:root {
  --bg: #f7f8f6;
  --surface: #ffffff;
  --surface-soft: #eef3ef;
  --text: #1f2a25;
  --muted: #66716c;
  --line: #dce3de;
  --accent: #176b56;
  --accent-dark: #0e493a;
  --gold: #b58a2a;
  --shadow: 0 18px 45px rgba(31, 42, 37, 0.08);
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.6;
}

a {
  color: inherit;
  text-decoration: none;
}

.site-header,
.site-footer,
main {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.site-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 0;
}

.logo {
  font-size: 22px;
  font-weight: 800;
  letter-spacing: 0;
}

.nav {
  display: flex;
  gap: 8px;
  padding: 6px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.72);
}

.nav a {
  padding: 9px 14px;
  border-radius: 6px;
  color: var(--muted);
  font-size: 14px;
  font-weight: 700;
}

.nav a.active,
.nav a:hover {
  background: var(--accent);
  color: #fff;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 28px;
  align-items: stretch;
  padding: 72px 0 48px;
}

.hero__content,
.hero__panel,
.page-header {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.hero__content {
  padding: 56px;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 760px;
  margin-bottom: 18px;
  font-size: clamp(36px, 5vw, 62px);
  line-height: 1.05;
  letter-spacing: 0;
}

h2 {
  margin-bottom: 14px;
  font-size: 30px;
  line-height: 1.2;
  letter-spacing: 0;
}

h3 {
  margin-bottom: 10px;
  font-size: 20px;
}

.hero__lead {
  max-width: 680px;
  color: var(--muted);
  font-size: 19px;
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 18px;
  border: 1px solid var(--accent);
  border-radius: 8px;
  background: var(--accent);
  color: #fff;
  font-weight: 800;
}

.button--secondary {
  background: transparent;
  color: var(--accent-dark);
}

.hero__panel {
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 32px;
  background: var(--accent-dark);
  color: #fff;
}

.panel-label {
  color: #b8d6cc;
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
}

.hero__panel strong {
  display: block;
  margin: 18px 0 8px;
  font-size: 72px;
  line-height: 1;
}

.hero__panel p {
  margin-bottom: 0;
  color: #dbe9e4;
}

.section {
  padding: 54px 0;
}

.section--muted {
  margin: 24px 0 54px;
  padding: 42px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface-soft);
}

.section__heading {
  max-width: 620px;
  margin-bottom: 24px;
}

.grid {
  display: grid;
  gap: 18px;
}

.grid--three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.card,
.term,
.article,
.digest__items article {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
}

.card {
  padding: 28px;
}

.card__number {
  display: block;
  margin-bottom: 22px;
  color: var(--accent);
  font-weight: 800;
}

.card p,
.term p,
.article p,
.page-header p,
.site-footer p {
  color: var(--muted);
}

.split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 420px;
  gap: 34px;
  align-items: start;
}

.checklist {
  display: grid;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.checklist li {
  padding: 15px 16px;
  border-left: 4px solid var(--accent);
  border-radius: 6px;
  background: #fff;
  font-weight: 700;
}

.page-header {
  margin-top: 34px;
  padding: 52px;
}

.page-header p {
  max-width: 720px;
  margin-bottom: 0;
  font-size: 18px;
}

.terms {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.term {
  padding: 24px;
}

.term h2 {
  font-size: 22px;
}

.calculator-note,
.digest {
  display: grid;
  grid-template-columns: 360px minmax(0, 1fr);
  gap: 32px;
}

.calculator-note ol {
  margin: 0;
  padding-left: 22px;
}

.calculator-note li + li {
  margin-top: 10px;
}

.articles {
  display: grid;
  gap: 18px;
}

.article {
  padding: 34px;
}

.article__meta {
  margin-bottom: 12px;
  color: var(--gold);
  font-size: 13px;
  font-weight: 800;
}

.digest__items {
  display: grid;
  gap: 14px;
}

.digest__items article {
  padding: 20px;
}

.digest__items span {
  display: block;
  margin-bottom: 8px;
  color: var(--accent);
  font-weight: 800;
}

.digest__items p {
  margin-bottom: 0;
}

.site-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 28px 0 40px;
  border-top: 1px solid var(--line);
  color: var(--muted);
}

.site-footer strong {
  display: block;
  color: var(--text);
}

.site-footer p {
  margin-bottom: 0;
}

@media (max-width: 820px) {
  .site-header,
  .site-footer {
    align-items: flex-start;
    flex-direction: column;
  }

  .nav {
    width: 100%;
    overflow-x: auto;
  }

  .hero,
  .split,
  .calculator-note,
  .digest {
    grid-template-columns: 1fr;
  }

  .hero__content,
  .page-header {
    padding: 34px;
  }

  .grid--three,
  .terms {
    grid-template-columns: 1fr;
  }

  .section--muted {
    padding: 28px;
  }
}

@media (max-width: 520px) {
  .site-header,
  .site-footer,
  main {
    width: min(100% - 24px, 1120px);
  }

  .hero {
    padding-top: 32px;
  }

  .hero__content,
  .page-header,
  .article {
    padding: 24px;
  }

  h1 {
    font-size: 34px;
  }

  h2 {
    font-size: 25px;
  }
}