:root {
  --ink: #111;
  --muted: #555;
  --line: #cfcfcf;
  --surface: #ffffff;
  --soft: #f7f7f7;
  --brand: #0645ad;
  --brand-dark: #063b8f;
  --accent: #333;
}

body {
  background: var(--soft);
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  letter-spacing: 0;
  font-size: 16px;
}

.navbar-brand {
  color: var(--ink);
}

.nav-link.active,
.nav-link:focus,
.nav-link:hover {
  color: var(--brand);
}

.btn-primary {
  --bs-btn-bg: var(--brand);
  --bs-btn-border-color: var(--brand);
  --bs-btn-hover-bg: var(--brand-dark);
  --bs-btn-hover-border-color: var(--brand-dark);
}

.site-hero,
.calc-hero {
  background: #fff;
  border-bottom: 1px solid var(--line);
  padding: 26px 0 24px;
}

.site-hero h1,
.calc-hero h1 {
  font-size: clamp(1.7rem, 3vw, 2.6rem);
  line-height: 1.12;
  letter-spacing: 0;
  margin: 0 0 10px;
}

.eyebrow {
  color: var(--accent);
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: 0;
  text-transform: uppercase;
}

.lead {
  color: #333;
  max-width: 760px;
  font-size: 1.05rem;
}

.trust-panel,
.results-panel,
.calculator-form,
.content-section,
.category-block {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 0;
  box-shadow: none;
}

.trust-panel {
  padding: 16px;
}

.calc-workspace {
  padding-top: 24px;
  padding-bottom: 24px;
}

.calculator-form,
.results-panel {
  padding: 16px;
}

.form-stack {
  display: grid;
  gap: 12px;
}

.form-label {
  font-weight: 700;
  margin-bottom: 4px;
}

.form-control,
.form-select,
.btn {
  border-radius: 0;
}

.results-panel {
  min-height: 100%;
}

.result-main {
  border-bottom: 1px solid var(--line);
  padding-bottom: 14px;
  margin-bottom: 14px;
}

.result-label {
  color: var(--muted);
  display: block;
  font-size: .9rem;
}

.result-main strong {
  display: block;
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  line-height: 1.05;
}

.result-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.result-grid div {
  background: #fafafa;
  border: 1px solid #ddd;
  border-radius: 0;
  padding: 10px;
}

.result-grid span {
  color: var(--muted);
  display: block;
  font-size: .86rem;
}

.result-grid strong {
  display: block;
  font-size: 1.1rem;
  margin-top: 3px;
}

.apply-link {
  align-items: center;
  background: var(--brand);
  border-radius: 0;
  color: #fff;
  display: inline-flex;
  font-weight: 700;
  justify-content: center;
  margin-top: 22px;
  padding: 13px 18px;
  text-decoration: none;
}

.apply-link:hover {
  background: var(--brand-dark);
  color: #fff;
}

.content-section {
  padding: 18px;
}

.content-section h2 {
  font-size: 1.2rem;
  margin: 0 0 10px;
}

.content-section h2:not(:first-child) {
  margin-top: 28px;
}

.content-section p {
  color: #333;
  margin-bottom: 12px;
}

.calculator-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.calc-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 0;
  color: inherit;
  display: block;
  min-height: 142px;
  padding: 14px;
  text-decoration: none;
}

.calc-card:hover {
  border-color: var(--brand);
  box-shadow: none;
}

.category-block {
  padding: 16px;
  margin-bottom: 18px;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 14px;
}

.footer-links a {
  color: var(--brand-dark);
  text-decoration: underline;
}

@media (max-width: 991px) {
  .calculator-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 640px) {
  .site-hero,
  .calc-hero {
    padding: 22px 0 20px;
  }

  .calculator-grid,
  .result-grid {
    grid-template-columns: 1fr;
  }
}