:root{
  --bg:#0f172a; --surface:#111c33; --card:#16223d; --text:#e6edf7;
  --muted:#9db0cd; --accent:#38bdf8; --accent-2:#fbbf24;
  --border:rgba(255,255,255,.1); --radius:14px; --maxw:1080px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
  background:linear-gradient(180deg,#0b1120,#0f172a 40%);color:var(--text);line-height:1.6}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.skip-link{position:absolute;left:-9999px}
.skip-link:focus{left:12px;top:12px;background:#fff;color:#000;padding:8px 12px;z-index:99}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(11,17,32,.85);backdrop-filter:blur(8px);border-bottom:1px solid var(--border)}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 20px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.15rem}
.brand-mark{font-size:1.5rem}
.accent{color:var(--accent-2)}
.nav{display:flex;gap:18px;align-items:center;font-size:.95rem}
.nav a{color:var(--muted)}
.nav a:hover{color:var(--text);text-decoration:none}
.nav-external{border:1px solid var(--border);padding:6px 12px;border-radius:999px}

/* Hero */
.hero{padding:64px 0 32px;text-align:center}
.hero h1{font-size:clamp(2rem,5vw,3.1rem);margin:0 0 16px;line-height:1.15}
.lede{max-width:640px;margin:0 auto;font-size:1.1rem;color:var(--muted)}
.btn{display:inline-block;padding:12px 22px;border-radius:10px;background:#1e293b;border:1px solid var(--border);color:var(--text);font-weight:600;cursor:pointer}
.btn.primary{background:linear-gradient(135deg,#0ea5e9,#2563eb);border:none;color:#fff}
.btn.full{width:100%}

/* Sections */
.section{padding:56px 0}
.section h2{font-size:clamp(1.5rem,3vw,2rem);margin:0 0 8px}
.section-sub{color:var(--muted);margin:0 0 28px}

/* Calculator */
.calc-section{background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.calc{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:26px;
  display:grid;gap:18px;max-width:620px;margin:0 auto}
.field label{display:block;font-weight:600;margin-bottom:8px}
select,input{width:100%;padding:12px 14px;border-radius:10px;border:1px solid var(--border);
  background:#0b1120;color:var(--text);font-size:1rem}
select:focus,input:focus{outline:2px solid var(--accent);outline-offset:1px}
.input-with-currency{display:flex;align-items:center;gap:10px}
.input-with-currency input{flex:1}
.currency-sym{font-weight:700;color:var(--muted);min-width:24px}
.hint{font-size:.85rem;color:var(--muted);margin:8px 0 0}
.result{background:#0b1120;border:1px solid var(--border);border-radius:12px;padding:18px}
.result-row{display:flex;justify-content:space-between;align-items:center;padding:6px 0}
.result-row.big .result-value{font-size:1.6rem;color:var(--accent-2);font-weight:800}
.result-value{font-weight:700}
.result-note{margin:12px 0 0;font-size:.9rem;color:var(--muted)}

/* Table */
.table-wrap{overflow-x:auto}
.tip-table{width:100%;border-collapse:collapse;font-size:.95rem}
.tip-table th,.tip-table td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--border)}
.tip-table th{background:#0b1120;position:sticky;top:64px}
.tip-table tr:hover td{background:rgba(56,189,248,.05)}
.incl{color:var(--accent-2)}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:22px}
.card h3{margin:0 0 10px;font-size:1.1rem}
.card p{margin:0;color:var(--muted)}

/* Aboard cross-link */
.aboard-card{background:linear-gradient(135deg,#123,#0b1120);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.aboard-inner{display:flex;gap:20px;align-items:center;flex-wrap:wrap;justify-content:space-between}
.aboard-inner h2{margin:0 0 8px}
.aboard-inner p{color:var(--muted);max-width:560px}

/* Ads */
.ad-container{padding:18px 20px;text-align:center}
.ad-container ins{display:block;max-width:970px;margin:0 auto;min-height:90px}

/* Footer */
.site-footer{border-top:1px solid var(--border);padding:28px 0;background:#0b1120}
.footer-inner{display:flex;flex-direction:column;gap:6px;text-align:center;color:var(--muted);font-size:.9rem}
.disclosure{font-size:.8rem;opacity:.8}

@media (max-width:600px){
  .nav{gap:12px;font-size:.85rem}
  .section{padding:40px 0}
}