:root {
  --brand: #1a56db;
  --brand-dark: #1e40af;
  --gold: #d4a017;
  --success: #2b7a4b;
  --text: #1a1a1a;
  --muted: #5a6472;
  --border: #e1e5ea;
  --bg: #f7f9fb;
  --radius: 10px;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif; color: var(--text); background: var(--bg); line-height: 1.55; }
.container { max-width: 920px; margin: 0 auto; padding: 0 20px; }
header { background: linear-gradient(135deg, var(--brand-dark), var(--brand)); color: #fff; padding-top: 44px; padding-bottom: 44px; text-align: center; }
header .flag { font-size: 2rem; display: block; margin-bottom: 8px; }
header h1 { font-size: 1.9rem; margin-bottom: 8px; }
header p { opacity: .92; max-width: 640px; margin: 0 auto; }
main { padding-top: 32px; padding-bottom: 32px; }
.card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; margin-bottom: 24px; }
.tab-nav { display: flex; gap: 8px; margin-bottom: 20px; flex-wrap: wrap; }
.tab-btn { flex: 1; min-width: 120px; padding: 10px 14px; border: 1px solid var(--border); background: #fff; border-radius: 8px; cursor: pointer; font-size: .92rem; font-weight: 600; color: var(--muted); text-align: center; text-decoration: none; display: inline-block; }
.tab-btn.active { background: var(--brand); color: #fff; border-color: var(--brand); }
.tab-btn:hover:not(.active) { background: #f0f4f8; }
.tab-panel { display: none; }
.tab-panel.active { display: block; }
label { display: block; font-weight: 600; font-size: .88rem; margin-bottom: 6px; margin-top: 14px; }
input[type=number], input[type=date], select { width: 100%; padding: 11px 12px; border: 1px solid var(--border); border-radius: 8px; font-size: 1rem; }
button.calc-btn { margin-top: 18px; width: 100%; padding: 13px; background: var(--brand); color: #fff; border: none; border-radius: 8px; font-size: 1rem; font-weight: 700; cursor: pointer; }
button.calc-btn:hover { background: var(--brand-dark); }
.result { margin-top: 20px; display: none; }
.result.show { display: block; }
.result-hero { text-align: center; padding: 18px; background: var(--bg); border-radius: 8px; margin-bottom: 14px; }
.result-hero .amount { font-size: 2rem; font-weight: 800; color: var(--brand-dark); }
.result-hero .amount-label { font-size: .85rem; color: var(--muted); margin-top: 4px; }
.result-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 10px; }
.result-grid .stat { background: var(--bg); border-radius: 8px; padding: 12px; }
.result-grid .stat .val { font-weight: 700; font-size: 1.05rem; }
.result-grid .stat .lbl { font-size: .78rem; color: var(--muted); }
.result-grid.three-cols { grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); }
.result-note { font-size: .85rem; color: var(--muted); margin-top: 12px; padding: 10px; background: #fff8e6; border-left: 3px solid var(--gold); border-radius: 4px; }
.disclaimer-banner { font-size: .82rem; color: var(--muted); background: var(--bg); border-radius: 8px; padding: 10px 14px; margin-bottom: 18px; }
.cross-link { padding: 12px 14px; background: #eef6f0; border-radius: 8px; margin-bottom: 10px; font-size: .92rem; }
.cross-link a { color: var(--brand-dark); font-weight: 600; text-decoration: none; }
.cross-link a:hover { text-decoration: underline; }
h2 { font-size: 1.35rem; margin-bottom: 12px; margin-top: 8px; }
h3 { font-size: 1.1rem; margin-bottom: 8px; margin-top: 18px; }
p { margin-bottom: 10px; }
ul { margin-left: 20px; margin-bottom: 10px; }
.eeat-section { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; margin-bottom: 24px; }
.eeat-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; margin-top: 14px; }
.eeat-item { padding: 14px; background: var(--bg); border-radius: 8px; }
.eeat-item h4 { font-size: .95rem; margin-bottom: 6px; }
.eeat-item p { font-size: .85rem; color: var(--muted); margin-bottom: 0; }
table.const-table { width: 100%; border-collapse: collapse; margin-top: 12px; font-size: .88rem; }
table.const-table th, table.const-table td { text-align: left; padding: 8px 10px; border-bottom: 1px solid var(--border); }
table.const-table th { background: var(--bg); }
.overflow-wrap { overflow-x: auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q { width: 100%; text-align: left; background: none; border: none; padding: 14px 0; font-weight: 700; font-size: .98rem; cursor: pointer; display: flex; justify-content: space-between; align-items: center; }
.faq-q::after { content: "+"; font-size: 1.3rem; color: var(--brand); }
.faq-q.open::after { content: "−"; }
.faq-a { display: none; padding-bottom: 14px; color: var(--muted); font-size: .92rem; }
.faq-a.open { display: block; }
footer { text-align: center; padding: 32px 20px; font-size: .85rem; color: var(--muted); }
footer a { color: var(--brand-dark); }
.badge { display: inline-block; background: rgba(255, 255, 255, .18); padding: 4px 12px; border-radius: 20px; font-size: .78rem; margin-top: 10px; }
.affiliate-block { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 16px; margin-top: 20px; }
.broker-card { border: 1px solid var(--border); border-radius: 8px; padding: 16px; text-align: center; }
.broker-card h4 { margin-bottom: 8px; }
.broker-card a.btn { display: inline-block; background: var(--brand); color: white; padding: 8px 16px; border-radius: 4px; text-decoration: none; font-weight: 600; margin-top: 10px; width: 100%; }
.broker-card a.btn:hover { background: var(--brand-dark); }
.transparency-banner { font-size: .82rem; color: var(--muted); background: #fdfdfd; border: 1px dashed var(--border); border-radius: 8px; padding: 10px 14px; margin-bottom: 18px; margin-top: 24px; }