*{margin:0;padding:0;box-sizing:border-box}
:root{--p:#0f766e;--ph:#0d9488;--pl:#ccfbf1;--bg:#f8fafc;--s:#fff;--t:#0f172a;--tm:#64748b;--b:#e2e8f0;--r:12px;--shadow:0 4px 24px rgba(0,0,0,.06)}
html{font-size:16px;scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;background:var(--bg);color:var(--t);line-height:1.7;min-height:100vh;-webkit-font-smoothing:antialiased}
.c{max-width:960px;margin:0 auto;padding:0 20px}

/* Header */
.hd{background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:1px solid var(--b);padding:14px 0;position:sticky;top:0;z-index:100}
.hd .c{display:flex;align-items:center;justify-content:space-between}
.logo{font-size:1.1rem;font-weight:800;color:var(--p);text-decoration:none;letter-spacing:-.3px}
.logo span{font-weight:400;color:var(--tm)}
.nav{display:flex;gap:4px;align-items:center}
.nav a{color:var(--tm);text-decoration:none;font-size:.82rem;font-weight:500;padding:6px 12px;border-radius:8px;transition:.15s}
.nav a:hover,.nav a.active{color:var(--p);background:var(--pl)}

/* Hero */
.hero{background:linear-gradient(135deg,#0f766e 0%,#0891b2 50%,#06b6d4 100%);padding:56px 0 64px;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;top:-40%;right:-15%;width:500px;height:500px;background:radial-gradient(circle,rgba(255,255,255,.08) 0%,transparent 70%);border-radius:50%}
.hero::after{content:'';position:absolute;bottom:-30%;left:-10%;width:400px;height:400px;background:radial-gradient(circle,rgba(255,255,255,.05) 0%,transparent 70%);border-radius:50%}
.hero .c{position:relative;z-index:1}
.hero h1{font-size:2.2rem;font-weight:800;color:#fff;margin-bottom:10px;letter-spacing:-.5px;line-height:1.2}
.hero .sub{font-size:1rem;color:rgba(255,255,255,.85);max-width:560px;line-height:1.6}

/* Cards */
.card{background:var(--s);border-radius:var(--r);padding:28px;box-shadow:var(--shadow);border:1px solid var(--b)}
.card-elevated{margin-top:-40px;position:relative;z-index:10}

/* Tool sections */
.tool-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:32px 0}
.tool-card{background:var(--s);border:1px solid var(--b);border-radius:var(--r);padding:24px;text-decoration:none;color:var(--t);transition:.2s;display:flex;flex-direction:column;gap:12px}
.tool-card:hover{border-color:var(--ph);box-shadow:0 8px 32px rgba(15,118,110,.1);transform:translateY(-2px)}
.tool-card .icon{width:48px;height:48px;background:var(--pl);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1.5rem}
.tool-card h3{font-size:1rem;font-weight:700;margin:0}
.tool-card p{font-size:.85rem;color:var(--tm);margin:0;line-height:1.5}

/* Forms */
.form-group{margin-bottom:16px}
.form-group label{display:block;font-size:.82rem;font-weight:600;color:var(--t);margin-bottom:6px}
.form-group select,.form-group input{width:100%;padding:12px 14px;font-size:.9rem;border:2px solid var(--b);border-radius:var(--r);outline:none;font-family:inherit;transition:.2s;background:var(--s)}
.form-group select:focus,.form-group input:focus{border-color:var(--p);box-shadow:0 0 0 4px rgba(15,118,110,.08)}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 28px;background:var(--p);color:#fff;border:none;border-radius:var(--r);font-size:.9rem;font-weight:600;cursor:pointer;transition:.2s;text-decoration:none;font-family:inherit}
.btn:hover{background:var(--ph);transform:translateY(-1px);box-shadow:0 4px 16px rgba(15,118,110,.2)}
.btn-outline{background:transparent;color:var(--p);border:2px solid var(--p)}
.btn-outline:hover{background:var(--pl)}

/* Results */
.result-box{background:linear-gradient(135deg,var(--pl) 0%,#f0fdfa 100%);border:2px solid var(--ph);border-radius:var(--r);padding:24px;text-align:center;margin:20px 0}
.result-box .amount{font-size:2rem;font-weight:800;color:var(--p)}
.result-box .label{font-size:.82rem;color:var(--tm);margin-top:4px}

/* Trust badges */
.trust-row{display:flex;gap:16px;flex-wrap:wrap;margin:20px 0;justify-content:center}
.trust-badge{display:flex;align-items:center;gap:6px;font-size:.78rem;color:var(--tm);background:var(--s);border:1px solid var(--b);padding:8px 14px;border-radius:20px}
.trust-badge .dot{width:8px;height:8px;border-radius:50%;background:var(--p)}

/* Content sections */
.content-section{padding:40px 0}
.content-section h2{font-size:1.25rem;font-weight:700;margin-bottom:12px}
.content-section h3{font-size:1.05rem;font-weight:600;margin:20px 0 8px}
.content-section p{margin-bottom:12px;font-size:.9rem}
.content-section ul{margin:0 0 16px 20px;font-size:.9rem}
.content-section li{margin-bottom:6px}

/* Blog list */
.blog-grid{display:grid;gap:16px;margin:24px 0}
.blog-item{background:var(--s);border:1px solid var(--b);border-radius:var(--r);padding:24px;text-decoration:none;color:var(--t);transition:.15s}
.blog-item:hover{border-color:var(--ph);box-shadow:var(--shadow)}
.blog-item h3{font-size:1rem;font-weight:700;margin-bottom:6px}
.blog-item p{font-size:.85rem;color:var(--tm);margin:0;line-height:1.5}
.blog-item .meta{font-size:.75rem;color:var(--tm);margin-top:8px}

/* Footer */
.footer{background:var(--s);border-top:1px solid var(--b);padding:24px 0;margin-top:40px}
.footer .c{text-align:center}
.footer nav{display:flex;flex-wrap:wrap;justify-content:center;gap:6px 16px;margin-bottom:12px}
.footer nav a{color:var(--tm);text-decoration:none;font-size:.8rem}
.footer nav a:hover{color:var(--p)}
.footer p{font-size:.72rem;color:var(--tm)}

/* Responsive */
@media(max-width:640px){
  .hero h1{font-size:1.6rem}
  .hero{padding:40px 0 48px}
  .tool-grid{grid-template-columns:1fr}
  .nav a{font-size:.75rem;padding:5px 8px}
  .trust-row{flex-direction:column;align-items:center}
}