:root{
  --bg:#f7f3ea; --paper:#fffaf2; --ink:#23201c; --muted:#6d665b;
  --accent:#9b3d2e; --accent2:#2f5d50; --line:#e3d8c8;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:var(--bg);color:var(--ink);line-height:1.65}
a{color:var(--accent2);text-decoration-thickness:1px;text-underline-offset:3px}
header{padding:28px 20px 56px;background:linear-gradient(135deg,#fff7e7 0%,#f0e3d0 100%);border-bottom:1px solid var(--line)}
.topbar{max-width:1120px;margin:0 auto;display:flex;gap:18px;align-items:center;justify-content:space-between}
.logo{font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--accent)}
nav{display:flex;gap:12px;flex-wrap:wrap;justify-content:flex-end}
nav a{font-size:.88rem;color:var(--ink);text-decoration:none;border:1px solid var(--line);padding:6px 10px;border-radius:999px;background:rgba(255,255,255,.45)}
.hero{max-width:920px;margin:72px auto 0;text-align:center}
.kicker{letter-spacing:.16em;text-transform:uppercase;color:var(--accent2);font-size:.8rem;font-weight:700}
h1{font-size:clamp(2.4rem,7vw,5.8rem);line-height:.92;margin:18px 0 12px;letter-spacing:-.06em}
.subtitle{font-size:clamp(1.15rem,2vw,1.55rem);color:var(--muted);margin:0 auto 22px;max-width:760px}
.cta{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:28px}
.button{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;padding:12px 18px;border-radius:999px;font-weight:700}
.button.secondary{background:transparent;color:var(--accent);border:1px solid var(--accent)}
main{max-width:1120px;margin:0 auto;padding:44px 20px}
section{background:var(--paper);border:1px solid var(--line);border-radius:24px;padding:clamp(24px,4vw,44px);margin:0 0 24px;box-shadow:0 12px 30px rgba(71,52,33,.05)}
h2{font-size:clamp(1.8rem,3vw,2.8rem);line-height:1.05;margin:0 0 18px;letter-spacing:-.035em}
h3{font-size:1.28rem;margin:28px 0 8px;line-height:1.2}
h4{font-size:1.04rem;margin:20px 0 6px;text-transform:uppercase;letter-spacing:.06em;color:var(--accent2)}
p{margin:0 0 16px}
ul,ol{padding-left:1.35rem}
li{margin:.35rem 0}
.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.card{border:1px solid var(--line);border-radius:18px;padding:18px;background:#fffdf8}
.note{background:#eef5f1;border-left:5px solid var(--accent2);padding:16px;border-radius:14px;margin:18px 0;color:#244d43}
.warn{background:#fff2ef;border-left:5px solid var(--accent);padding:16px;border-radius:14px;margin:18px 0}
.saving{font-size:1.25rem;font-weight:800;color:var(--accent)}
.test-q{margin:14px 0;padding:14px;border:1px solid var(--line);border-radius:14px;background:#fff}
label{display:block;margin:6px 0;cursor:pointer}
input[type=number]{width:120px;padding:10px;border:1px solid var(--line);border-radius:10px}
.result{margin-top:14px;font-weight:700}
footer{padding:36px 20px;border-top:1px solid var(--line);color:var(--muted);text-align:center}
.small{font-size:.9rem;color:var(--muted)}
.sources li{margin-bottom:.55rem}
@media(max-width:780px){
  .topbar{display:block}.logo{margin-bottom:16px}nav{justify-content:flex-start}
  .grid{grid-template-columns:1fr}
  section{border-radius:18px}
}