:root{--navy:#0B3D6E;--green:#1D9E75;--ink:#15263a;--muted:#5a6b7e;--bg:#ffffff;--soft:#f2f6fa;--line:#dde6ee}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
a{color:var(--green);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:1080px;margin:0 auto;padding:0 24px}
/* Header */
header{background:var(--navy);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 24px;max-width:1080px;margin:0 auto}
.logo{color:#fff;font-weight:bold;font-size:1.25rem;letter-spacing:.5px}
.logo span{color:var(--green)}
.nav ul{display:flex;gap:22px;list-style:none;flex-wrap:wrap}
.nav a{color:#dbe7f3;font-size:.95rem}
.nav a.cta{background:var(--green);color:#fff;padding:8px 16px;border-radius:4px;font-weight:bold}
.nav a.cta:hover{text-decoration:none;filter:brightness(1.08)}
/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,#0e4a85 100%);color:#fff;padding:84px 0}
.hero h1{font-size:2.6rem;line-height:1.15;max-width:760px}
.hero .tagline{color:var(--green);font-weight:bold;text-transform:uppercase;letter-spacing:1.5px;font-size:.9rem;margin-bottom:18px}
.hero p.lead{font-size:1.2rem;color:#cfe0ef;max-width:680px;margin:22px 0 32px}
.btn{display:inline-block;background:var(--green);color:#fff;font-weight:bold;padding:14px 28px;border-radius:4px;font-size:1rem;border:none;cursor:pointer}
.btn:hover{text-decoration:none;filter:brightness(1.08)}
.btn.ghost{background:transparent;border:2px solid #fff;margin-left:12px}
/* Sections */
section{padding:64px 0}
section.soft{background:var(--soft)}
.kicker{color:var(--green);font-weight:bold;text-transform:uppercase;letter-spacing:1.5px;font-size:.85rem}
h2{color:var(--navy);font-size:1.9rem;margin:8px 0 18px}
h3{color:var(--navy);font-size:1.2rem;margin-bottom:8px}
p{margin-bottom:14px}
.grid{display:grid;gap:24px;margin-top:32px}
.grid.c3{grid-template-columns:repeat(3,1fr)}
.grid.c2{grid-template-columns:repeat(2,1fr)}
.grid.c4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:28px}
.card .num{color:var(--green);font-weight:bold;font-size:.9rem}
.soft .card{background:#fff}
.step{border-top:4px solid var(--green)}
/* Stats band */
.band{background:var(--navy);color:#fff;text-align:center}
.band h2{color:#fff}
.band .grid div strong{display:block;font-size:2rem;color:var(--green)}
/* Tables */
table{width:100%;border-collapse:collapse;margin:20px 0}
th,td{border:1px solid var(--line);padding:10px 14px;text-align:left;font-size:.95rem}
th{background:var(--soft);color:var(--navy)}
/* Forms / calculator */
label{display:block;font-weight:bold;color:var(--navy);margin:16px 0 6px;font-size:.95rem}
input,select,textarea{width:100%;padding:10px;border:1px solid var(--line);border-radius:4px;font-family:inherit;font-size:1rem}
.note{font-size:.85rem;color:var(--muted)}
.result{background:var(--navy);color:#fff;border-radius:8px;padding:28px;margin-top:24px}
.result strong{color:var(--green);font-size:1.9rem;display:block}
/* Footer */
footer{background:var(--navy);color:#b9cbdd;padding:48px 0;font-size:.9rem}
footer .grid{gap:40px}
footer h4{color:#fff;margin-bottom:12px}
footer ul{list-style:none}
footer li{margin-bottom:6px}
footer a{color:#b9cbdd}
.footnote{border-top:1px solid #1d5091;margin-top:36px;padding-top:18px;color:#8aa2b8}
@media(max-width:820px){.grid.c3,.grid.c4,.grid.c2{grid-template-columns:1fr}.hero h1{font-size:2rem}.nav ul{gap:14px}}