:root{
  --bg:#0b1020;
  --card:#121733;
  --muted:#9aa3b2;
  --text:#eaf0ff;
  --accent:#5b8cff;
  --accent-2:#4ade80;
  --border:#1e2648;
  --shadow:0 8px 24px rgba(0,0,0,.35);
}

:root.light{
  --bg:#f6f8fc;
  --card:#ffffff;
  --muted:#5b6575;
  --text:#0b1220;
  --accent:#3b82f6;
  --accent-2:#16a34a;
  --border:#e6e9f2;
  --shadow:0 8px 24px rgba(10,16,32,.08);
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,"Helvetica Neue",Arial;
  background:radial-gradient(1200px 600px at 20% -10%, rgba(91,140,255,.15), transparent 60%),
             radial-gradient(1000px 500px at 100% 0%, rgba(74,222,128,.12), transparent 55%),
             linear-gradient(180deg,#0a0f25, #0b1020 40%, #0b1020 100%);
  color:var(--text);
}

:root.light body{
  background:radial-gradient(1200px 600px at 20% -10%, rgba(59,130,246,.10), transparent 60%),
             radial-gradient(1000px 500px at 100% 0%, rgba(22,163,74,.08), transparent 55%),
             linear-gradient(180deg,#f6f8fc, #f9fbff 40%, #ffffff 100%);
}
.container{width:100%;max-width:1080px;margin:0 auto;padding:0 16px}

.site-header{position:sticky;top:0;z-index:20;background:rgba(11,16,32,.7);backdrop-filter:saturate(120%) blur(8px);border-bottom:1px solid var(--border)}
:root.light .site-header{background:rgba(255,255,255,.7)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand a{color:#fff;text-decoration:none;font-weight:700;letter-spacing:.2px;font-size:18px}
:root.light .brand a{color:#0b1220}
.nav a{color:var(--muted);text-decoration:none;margin-left:16px;padding:8px 10px;border-radius:8px;transition:color .15s ease, background .15s ease}
.nav a:hover{color:#fff;background:rgba(255,255,255,.05)}
:root.light .nav a:hover{color:#0b1220;background:rgba(10,16,32,.06)}

.hero{padding:64px 0 28px 0}
.hero h1{margin:0 0 12px 0;font-size:32px;line-height:1.25}
.subtitle{color:var(--muted);margin:0 0 20px 0}
.actions{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;border:1px solid var(--border);padding:10px 14px;border-radius:10px;color:#fff;text-decoration:none;transition:transform .15s ease, box-shadow .15s ease, background .15s ease}
.btn.small{padding:8px 12px;font-size:14px}
.btn.primary{background:linear-gradient(135deg,var(--accent),#7aa1ff);border-color:transparent;box-shadow:0 6px 18px rgba(91,140,255,.25)}
.btn.primary:hover{filter:brightness(1.05);transform:translateY(-1px);box-shadow:0 10px 24px rgba(91,140,255,.32)}
.btn:hover{transform:translateY(-1px);box-shadow:0 6px 18px rgba(0,0,0,.25)}
.btn:focus-visible{outline:2px solid rgba(91,140,255,.8);outline-offset:2px}

.features-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:18px;margin:24px 0 40px 0}
.card{background:linear-gradient(180deg, rgba(255,255,255,.02), rgba(255,255,255,.0)), var(--card);border:1px solid var(--border);padding:16px;border-radius:14px;box-shadow:var(--shadow);transition:transform .15s ease, box-shadow .15s ease, border-color .15s ease}
.card h3{margin:0 0 8px 0}
.card p{margin:0 0 14px 0;color:var(--muted)}
.card:hover{transform:translateY(-2px);box-shadow:0 16px 36px rgba(0,0,0,.45);border-color:#2a3570}

.why{padding:12px 0 40px 0}
.why h2{margin:0 0 12px 0}
.tick-list{margin:0 0 12px 0;padding-left:18px;color:var(--muted)}
.closing{color:var(--muted)}
.closing.strong{color:#fff;font-weight:600}

.site-footer{border-top:1px solid var(--border);padding:20px 0;color:var(--muted)}

/* Calculator layouts */
.page-header{padding:28px 0 8px 0}
.tool{display:grid;grid-template-columns:1.1fr .9fr;gap:18px}
.panel{background:linear-gradient(180deg, rgba(255,255,255,.02), rgba(255,255,255,.0)), var(--card);border:1px solid var(--border);border-radius:16px;padding:18px;box-shadow:var(--shadow)}
.panel h2{margin:0 0 12px 0}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.field{display:flex;flex-direction:column;gap:6px}
.field label{color:var(--muted);font-size:14px}
.field input,.field select{background:#0e1430;border:1px solid var(--border);border-radius:10px;padding:12px;color:#fff;transition:border-color .15s ease, box-shadow .15s ease}
:root.light .field input,:root.light .field select{background:#ffffff;color:#0b1220}
.field input:focus-visible,.field select:focus-visible{outline:none;border-color:#3c66ff;box-shadow:0 0 0 3px rgba(60,102,255,.25)}
.result{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.stat{background:#0e1430;border:1px solid var(--border);border-radius:12px;padding:14px}
.stat .k{color:var(--muted);font-size:12px}
.stat .v{font-size:20px;font-weight:700}
.note{color:var(--muted);font-size:13px;margin-top:8px}
.table{width:100%;border-collapse:collapse}
.table th,.table td{border-bottom:1px solid var(--border);padding:10px;text-align:right}
.table th:first-child,.table td:first-child{text-align:left}

@media (max-width: 900px){
  .tool{grid-template-columns:1fr}
  .hero h1{font-size:26px}
  .grid{grid-template-columns:1fr}
  .result{grid-template-columns:1fr}
}