:root {
  --blue: #1d5fa8;
  --blue-dark: #144479;
  --ink: #17212e;
  --muted: #5a6673;
  --bg: #f2f5f9;
  --card: #ffffff;
  --line: #dce3ec;
  --accent: #e9f1fa;
  --good: #1f7a4d;
  --good-bg: #e7f4ec;
  --warn: #9a6b00;
  --warn-bg: #fbf1d9;
  --radius: 14px;
  --maxw: 900px;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
}

.wrap {
  width: 100%;
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 16px;
}

.hero {
  background: linear-gradient(160deg, var(--blue), var(--blue-dark));
  color: #fff;
  padding: 42px 0 30px;
}
.hero h1 { margin: 0 0 8px; font-size: clamp(1.5rem, 4vw, 2.15rem); line-height: 1.2; }
.hero .lead { margin: 0 0 12px; font-size: 1.06rem; max-width: 62ch; }
.hero .note { margin: 0; font-size: 0.85rem; opacity: 0.92; max-width: 72ch; }
.hero .badge {
  display: inline-block; background: rgba(255,255,255,0.18);
  border: 1px solid rgba(255,255,255,0.35); color: #fff;
  padding: 4px 10px; border-radius: 999px; font-size: 0.78rem; margin-bottom: 12px;
}

main { padding: 22px 16px 8px; }

.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px;
  margin: 16px 0;
}

h2 { margin: 0 0 12px; font-size: 1.3rem; }
h3 { margin: 20px 0 8px; font-size: 1.05rem; }
p { margin: 0 0 12px; }

label { display: block; font-weight: 600; margin-bottom: 6px; font-size: 0.95rem; }
.hint { font-weight: 400; color: var(--muted); font-size: 0.85rem; }

input[type="number"], select {
  width: 100%; padding: 10px 12px; font-size: 1rem;
  border: 1px solid var(--line); border-radius: 10px; background: #fff; color: var(--ink);
}
input[type="number"]:focus, select:focus { outline: 2px solid var(--blue); border-color: var(--blue); }

.grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 18px; }
.grid .full { grid-column: 1 / -1; }
@media (max-width: 620px) { .grid { grid-template-columns: 1fr; } }

.check { display: flex; align-items: center; gap: 10px; margin: 10px 0 0; font-weight: 600; font-size: 0.95rem; }
.check input { width: 18px; height: 18px; accent-color: var(--blue); }

.field { margin-bottom: 4px; }

.result {
  background: var(--accent); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 18px; margin-top: 6px;
}
.result .big { font-size: 2rem; font-weight: 800; color: var(--blue-dark); margin: 2px 0 2px; }
.result .sub { color: var(--muted); font-size: 0.9rem; }

.pill {
  display: inline-block; padding: 4px 10px; border-radius: 999px;
  font-size: 0.82rem; font-weight: 700; margin-top: 8px;
}
.pill.good { background: var(--good-bg); color: var(--good); }
.pill.warn { background: var(--warn-bg); color: var(--warn); }

table { width: 100%; border-collapse: collapse; font-size: 0.92rem; }
th, td { text-align: right; padding: 8px 6px; border-bottom: 1px solid var(--line); }
th:first-child, td:first-child { text-align: left; }
tbody tr:last-child td { border-bottom: none; }
.breakdown td:first-child { color: var(--muted); }
.breakdown tr.total td { font-weight: 700; color: var(--ink); border-top: 2px solid var(--line); }

.opt-table th { color: var(--muted); font-weight: 600; }
.opt-table tr.now td { background: var(--accent); font-weight: 700; }
.opt-table .q100 { color: var(--good); }
.opt-table .q0 { color: var(--warn); }

.faq h3 { cursor: default; }
details { border-bottom: 1px solid var(--line); padding: 10px 0; }
details:last-child { border-bottom: none; }
summary { font-weight: 700; cursor: pointer; }
details p { margin: 8px 0 2px; color: var(--muted); }

footer { color: var(--muted); font-size: 0.85rem; padding: 20px 16px 40px; text-align: center; }
footer a { color: var(--blue); }

.disc { font-size: 0.82rem; color: var(--muted); }