:root{--blue:#08243c;--gold:#f0b429;--light:#f6f8fb;--ink:#142033;--muted:#5b6472;--white:#fff;--border:#d9e2ec;--danger:#b42318;--green:#087443}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--light);line-height:1.6}a{color:#064f8c}header{background:var(--blue);color:#fff;padding:18px 20px;position:sticky;top:0;z-index:20;box-shadow:0 2px 12px rgba(0,0,0,.16)}.nav{max-width:1180px;margin:0 auto;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}.brand{font-weight:800;font-size:24px;color:#fff;text-decoration:none}.powered a{color:var(--gold);font-weight:700}.navlinks a{color:#fff;text-decoration:none;margin-left:14px;font-weight:700}.hero{background:linear-gradient(135deg,#08243c,#0e3f69);color:#fff;padding:70px 20px}.wrap{max-width:1180px;margin:0 auto}.hero h1{font-size:clamp(34px,5vw,60px);line-height:1.05;margin:0 0 18px}.hero p{font-size:20px;max-width:780px}.pill{display:inline-block;background:rgba(240,180,41,.16);border:1px solid rgba(240,180,41,.5);padding:8px 12px;border-radius:999px;color:#ffe7a3;font-weight:700}.btn{display:inline-block;background:var(--gold);color:#08243c;text-decoration:none;font-weight:800;border:0;border-radius:12px;padding:14px 20px;cursor:pointer;font-size:16px}.btn.secondary{background:#fff;color:#08243c}.grid{display:grid;grid-template-columns:1.1fr .9fr;gap:28px}.section{padding:46px 20px}.card{background:#fff;border:1px solid var(--border);border-radius:18px;box-shadow:0 8px 30px rgba(12,31,55,.08);padding:24px}.calc label{display:block;font-weight:800;margin:14px 0 5px}.calc input,.calc select{width:100%;padding:13px;border:1px solid var(--border);border-radius:10px;font-size:16px}.results{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:16px}.result{background:#fff7e6;border:1px solid #f6d992;border-radius:14px;padding:16px;text-align:center}.result strong{display:block;font-size:26px;color:#7a3d00}.warning{background:#fff1f0;border-left:5px solid var(--danger);padding:16px;border-radius:10px}.success{background:#e8f7ef;border-left:5px solid var(--green);padding:16px;border-radius:10px}.list{columns:2}.industry-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:10px}.industry-list a{background:#fff;border:1px solid var(--border);border-radius:10px;padding:10px;text-decoration:none;font-weight:700}.faq details{background:#fff;border:1px solid var(--border);border-radius:12px;padding:14px;margin:10px 0}.faq summary{font-weight:800;cursor:pointer}footer{background:#071d31;color:#fff;padding:32px 20px;margin-top:40px}footer a{color:#ffd369}.legal{font-size:14px;color:var(--muted)}table{width:100%;border-collapse:collapse;background:#fff}th,td{border:1px solid var(--border);padding:10px;text-align:left}th{background:#eef4fa}@media(max-width:820px){.grid{grid-template-columns:1fr}.results{grid-template-columns:1fr}.navlinks{display:none}.list{columns:1}}