:root {
    --ink: #101820;
    --muted: #52606d;
    --line: #d8dee5;
    --paper: #ffffff;
    --soft: #f4f7f9;
    --steel: #66717d;
    --accent: #b9472f;
    --accent-dark: #87331f;
    --navy: #172638;
    --green: #2f6f55;
    --max: 1160px;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    color: var(--ink);
    font-family: Arial, Helvetica, sans-serif;
    line-height: 1.6;
    background: var(--paper);
}

img {
    max-width: 100%;
    display: block;
}

a {
    color: inherit;
}

.container {
    width: min(var(--max), calc(100% - 32px));
    margin: 0 auto;
}

.skip-link {
    position: absolute;
    left: -999px;
    top: 12px;
    background: var(--ink);
    color: #fff;
    padding: 8px 12px;
    z-index: 10;
}

.skip-link:focus {
    left: 12px;
}

.site-header {
    border-bottom: 1px solid var(--line);
    background: rgba(255, 255, 255, 0.96);
    position: sticky;
    top: 0;
    z-index: 5;
}

.nav-wrap {
    min-height: 72px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.brand {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-weight: 800;
    font-size: 18px;
    text-decoration: none;
    white-space: nowrap;
}

.brand-mark {
    width: 38px;
    height: 38px;
    display: inline-grid;
    place-items: center;
    background: var(--navy);
    color: #fff;
    border-radius: 6px;
    font-size: 14px;
    letter-spacing: 0;
}

.site-nav {
    display: flex;
    align-items: center;
    gap: 4px;
    flex-wrap: wrap;
    justify-content: flex-end;
}

.site-nav a {
    text-decoration: none;
    color: var(--muted);
    font-weight: 700;
    font-size: 14px;
    padding: 10px 12px;
    border-radius: 6px;
}

.site-nav a:hover,
.site-nav a.active {
    color: var(--ink);
    background: var(--soft);
}

.hero {
    min-height: 560px;
    display: grid;
    align-items: end;
    background:
        linear-gradient(90deg, rgba(16, 24, 32, 0.88), rgba(16, 24, 32, 0.48), rgba(16, 24, 32, 0.08)),
        url("https://images.unsplash.com/photo-1601584115197-04ecc0da31d7?auto=format&fit=crop&w=1800&q=82") center / cover;
    color: #fff;
}

.hero-inner {
    padding: 88px 0 72px;
    max-width: 760px;
}

.eyebrow {
    color: var(--accent);
    font-size: 13px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0;
    margin: 0 0 12px;
}

.hero .eyebrow {
    color: #f0b49d;
}

h1,
h2,
h3 {
    line-height: 1.15;
    margin: 0 0 16px;
}

h1 {
    font-size: clamp(38px, 7vw, 66px);
    max-width: 850px;
}

h2 {
    font-size: 32px;
}

h3 {
    font-size: 21px;
}

p {
    margin: 0 0 16px;
}

.lead {
    font-size: 20px;
    color: #e5eaef;
    max-width: 720px;
}

.page-lead {
    font-size: 20px;
    color: var(--muted);
    max-width: 800px;
}

.button-row {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin-top: 28px;
}

.button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 46px;
    padding: 12px 18px;
    border-radius: 6px;
    border: 1px solid transparent;
    text-decoration: none;
    font-weight: 800;
    background: var(--accent);
    color: #fff;
}

.button:hover {
    background: var(--accent-dark);
}

.button.secondary {
    background: rgba(255, 255, 255, 0.12);
    border-color: rgba(255, 255, 255, 0.42);
}

.section {
    padding: 72px 0;
}

.section.alt {
    background: var(--soft);
}

.section-header {
    max-width: 760px;
    margin-bottom: 34px;
}

.grid {
    display: grid;
    gap: 20px;
}

.grid.four {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.grid.three {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.grid.two {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.card {
    border: 1px solid var(--line);
    border-radius: 8px;
    padding: 24px;
    background: #fff;
}

.card p:last-child,
.content-panel p:last-child {
    margin-bottom: 0;
}

.card a {
    color: var(--accent-dark);
    font-weight: 800;
    text-decoration: none;
}

.card a:hover {
    text-decoration: underline;
}

.content-panel {
    max-width: 860px;
}

.content-panel ul {
    padding-left: 22px;
}

.split {
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    gap: 42px;
    align-items: center;
}

.image-band {
    min-height: 380px;
    border-radius: 8px;
    background: url("https://images.unsplash.com/photo-1494412519320-aa613dfb7738?auto=format&fit=crop&w=1100&q=80") center / cover;
}

.stat-strip {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
}

.stat {
    padding: 28px;
    border-right: 1px solid var(--line);
}

.stat:last-child {
    border-right: 0;
}

.stat strong {
    display: block;
    font-size: 30px;
    line-height: 1;
    color: var(--navy);
}

.page-hero {
    padding: 72px 0 48px;
    background: var(--soft);
    border-bottom: 1px solid var(--line);
}

.article {
    padding: 56px 0 76px;
}

.article-layout {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 320px;
    gap: 44px;
    align-items: start;
}

.article-main {
    max-width: 820px;
}

.article-main h2 {
    margin-top: 34px;
}

.article-main h2:first-child {
    margin-top: 0;
}

.sidebar {
    position: sticky;
    top: 96px;
}

.sidebar .card + .card {
    margin-top: 18px;
}

.check-list {
    list-style: none;
    padding: 0;
}

.check-list li {
    padding-left: 26px;
    position: relative;
    margin-bottom: 10px;
}

.check-list li::before {
    content: "";
    width: 9px;
    height: 9px;
    border-radius: 50%;
    background: var(--green);
    position: absolute;
    left: 0;
    top: 10px;
}

.faq details {
    border-top: 1px solid var(--line);
    padding: 18px 0;
}

.faq details:last-child {
    border-bottom: 1px solid var(--line);
}

.faq summary {
    cursor: pointer;
    font-weight: 800;
}

.calculator {
    display: grid;
    grid-template-columns: 1fr 0.9fr;
    gap: 28px;
    align-items: start;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
}

label {
    display: grid;
    gap: 7px;
    font-weight: 800;
    color: var(--ink);
}

input,
select,
textarea {
    width: 100%;
    min-height: 46px;
    border: 1px solid var(--line);
    border-radius: 6px;
    padding: 10px 12px;
    font: inherit;
    background: #fff;
}

textarea {
    min-height: 140px;
    resize: vertical;
}

.result-box {
    background: var(--navy);
    color: #fff;
    border-radius: 8px;
    padding: 28px;
}

.result-box span {
    display: block;
    color: #d1d9e0;
    font-size: 14px;
    font-weight: 800;
    text-transform: uppercase;
    margin-bottom: 8px;
}

.result-box strong {
    display: block;
    font-size: 42px;
    line-height: 1.05;
}

.notice {
    border-left: 4px solid var(--accent);
    background: #fff7f3;
    padding: 16px 18px;
    color: #51362c;
}

.site-footer {
    background: var(--ink);
    color: #d8e0e6;
    padding: 48px 0 22px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.3fr 1fr 1fr;
    gap: 32px;
}

.footer-brand {
    color: #fff;
    margin-bottom: 14px;
}

.site-footer h2 {
    color: #fff;
    font-size: 16px;
    margin-bottom: 12px;
}

.site-footer a {
    display: block;
    color: #d8e0e6;
    text-decoration: none;
    margin-bottom: 8px;
}

.site-footer a:hover {
    color: #fff;
}

.footer-bottom {
    margin-top: 34px;
    padding-top: 18px;
    border-top: 1px solid rgba(255, 255, 255, 0.14);
    color: #aeb8c2;
    font-size: 14px;
}

@media (max-width: 920px) {
    .nav-wrap {
        align-items: flex-start;
        flex-direction: column;
        padding: 14px 0;
    }

    .site-nav {
        justify-content: flex-start;
    }

    .grid.four,
    .grid.three,
    .split,
    .article-layout,
    .calculator,
    .footer-grid {
        grid-template-columns: 1fr;
    }

    .grid.two {
        grid-template-columns: 1fr;
    }

    .stat-strip {
        grid-template-columns: 1fr;
    }

    .stat {
        border-right: 0;
        border-bottom: 1px solid var(--line);
    }

    .stat:last-child {
        border-bottom: 0;
    }

    .sidebar {
        position: static;
    }
}

@media (max-width: 600px) {
    .container {
        width: min(var(--max), calc(100% - 24px));
    }

    .hero {
        min-height: 520px;
    }

    .hero-inner,
    .section,
    .page-hero {
        padding-top: 48px;
        padding-bottom: 48px;
    }

    h1 {
        font-size: 38px;
    }

    h2 {
        font-size: 27px;
    }

    .form-grid {
        grid-template-columns: 1fr;
    }

    .site-nav a {
        padding: 8px 9px;
    }
}