*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  :root {
    --bg: #F7F6F2; --surface: #FFFFFF; --surface2: #F0EFE9;
    --text: #1A1916; --muted: #6B6860; --accent: #1B4FD8;
    --accent-light: #EFF4FF; --accent2: #1440B3;
    --gold: #92400E; --gold-light: #FEF3C7;
    --green: #047857; --green-light: #ECFDF5;
    --red: #DC2626; --red-light: #FEF2F2;
    --border: #E5E3DC;
  }
  body { font-family: 'Inter', sans-serif; background: var(--bg); color: var(--text); min-height: 100vh; display: flex; flex-direction: column; }
  header { background: var(--surface); border-bottom: 1px solid var(--border); padding: 0 2rem; height: 60px; display: flex; align-items: center; justify-content: space-between; position: sticky; top: 0; z-index: 100; box-shadow: 0 1px 3px rgba(0,0,0,0.04); }
  .logo { font-family: 'Playfair Display', serif; font-size: 22px; color: var(--accent); text-decoration: none; letter-spacing: -0.5px; }
  .logo em { font-style: italic; }
  .nav-links { display: flex; gap: 1.25rem; align-items: center; }
  .nav-links a { font-size: 13px; text-decoration: none; color: var(--muted); font-weight: 500; }
  .nav-links a:hover { color: var(--accent); }
  @media (max-width: 520px) { .nav-links a:not(.nav-home) { display: none; } }
  .ad-banner { background: #f5f5f5; border-bottom: 1px solid var(--border); text-align: center; padding: 10px; }
  .ad-label { font-size: 9px; color: var(--muted); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 3px; }
  .ad-placeholder { height: 90px; display: flex; align-items: center; justify-content: center; color: #ccc; font-size: 12px; border: 1px dashed #ddd; border-radius: 4px; margin: 0 auto; max-width: 728px; }
  .hero-banner { position: relative; height: 280px; overflow: hidden; display: flex; align-items: center; justify-content: center; }
  .hero-bg { position: absolute; inset: 0; background: linear-gradient(135deg, rgba(27,64,179,0.92) 0%, rgba(27,79,216,0.82) 100%), url('https://images.unsplash.com/photo-1554224155-8d04cb21cd6c?w=1000&q=72&fit=crop&auto=format') center/cover no-repeat; }
  .hero-content { position: relative; text-align: center; color: white; padding: 0 1.5rem; }
  .hero-eyebrow { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.15em; color: rgba(255,255,255,0.7); margin-bottom: 0.75rem; }
  .hero-content h1 { font-family: 'Playfair Display', serif; font-size: clamp(2rem, 5vw, 3rem); font-weight: 700; line-height: 1.1; margin-bottom: 0.75rem; }
  .hero-content h1 em { font-style: italic; }
  .hero-content p { font-size: 15px; color: rgba(255,255,255,0.82); font-weight: 300; max-width: 440px; margin: 0 auto; }
  main { flex: 1; max-width: 720px; margin: 0 auto; width: 100%; padding: 2.5rem 1.5rem; }
  .card { background: var(--surface); border: 1px solid var(--border); border-radius: 24px; padding: 2.5rem; margin-bottom: 1.5rem; box-shadow: 0 1px 4px rgba(0,0,0,0.05); }
  .section-label { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; color: var(--accent); margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 1px solid var(--border); }
  .form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1rem; }
  @media (max-width: 480px) { .form-grid { grid-template-columns: 1fr; } }
  .field label { display: block; font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted); margin-bottom: 0.5rem; }
  .input-wrap { position: relative; }
  .input-wrap input, .input-wrap select { width: 100%; padding: 0.85rem 1rem 0.85rem 2.25rem; border: 1.5px solid var(--border); border-radius: 12px; font-family: 'Inter', sans-serif; font-size: 16px; color: var(--text); background: var(--bg); outline: none; transition: border-color 0.2s; }
  .input-wrap input:focus, .input-wrap select:focus { border-color: var(--accent); background: white; }
  .input-prefix { position: absolute; left: 1rem; top: 50%; transform: translateY(-50%); font-size: 15px; color: var(--muted); font-weight: 500; pointer-events: none; }
  .input-suffix { position: absolute; right: 1rem; top: 50%; transform: translateY(-50%); font-size: 13px; color: var(--muted); font-weight: 500; pointer-events: none; }
  .no-prefix input { padding-left: 1rem; }
  .divider { display: flex; align-items: center; gap: 1rem; margin: 1.5rem 0; }
  .divider::before, .divider::after { content: ''; flex: 1; height: 1px; background: var(--border); }
  .divider span { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; color: var(--muted); white-space: nowrap; }
  .calc-btn { width: 100%; padding: 1rem; background: var(--accent); color: white; border: none; border-radius: 14px; font-family: 'Inter', sans-serif; font-size: 16px; font-weight: 600; cursor: pointer; transition: background 0.2s, transform 0.1s; margin-top: 0.5rem; }
  .calc-btn:hover { background: var(--accent2); }
  .calc-btn:active { transform: scale(0.99); }
  .result-box { display: none; }
  .result-box.show { display: block; animation: fadeUp 0.4s ease; }
  @keyframes fadeUp { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: translateY(0); } }
  .verdict-box { border-radius: 20px; padding: 2rem; text-align: center; margin-bottom: 1rem; }
  .verdict-box.good { background: linear-gradient(135deg, #065F46, #059669); color: white; }
  .verdict-box.ok { background: linear-gradient(135deg, #92400E, #D97706); color: white; }
  .verdict-box.bad { background: linear-gradient(135deg, #991B1B, #DC2626); color: white; }
  .verdict-icon { font-size: 2.5rem; margin-bottom: 0.5rem; }
  .verdict-title { font-family: 'Playfair Display', serif; font-size: 1.75rem; font-weight: 700; margin-bottom: 0.5rem; }
  .verdict-sub { font-size: 14px; opacity: 0.85; }
  .savings-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.75rem; margin-bottom: 1rem; }
  @media (max-width: 400px) { .savings-grid { grid-template-columns: 1fr; } }
  .savings-card { background: var(--surface2); border-radius: 14px; padding: 1rem; text-align: center; }
  .savings-card .num { font-family: 'Playfair Display', serif; font-size: 1.4rem; color: var(--text); font-weight: 700; line-height: 1; }
  .savings-card .lbl { font-size: 11px; color: var(--muted); margin-top: 4px; text-transform: uppercase; letter-spacing: 0.06em; }
  .savings-card.highlight { background: var(--green-light); border: 1px solid rgba(5,150,105,0.2); }
  .savings-card.highlight .num { color: var(--green); }
  .comparison { background: var(--surface); border: 1px solid var(--border); border-radius: 16px; padding: 1.5rem; margin-bottom: 1rem; }
  .comparison h2 { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted); margin-bottom: 1rem; }
  .comparison-row { display: flex; justify-content: space-between; align-items: center; padding: 0.65rem 0; border-bottom: 1px solid var(--border); font-size: 14px; }
  .comparison-row:last-child { border-bottom: none; }
  .comparison-row .label { color: var(--muted); }
  .col-header { font-size: 11px; font-weight: 600; text-transform: uppercase; color: var(--muted); text-align: center; padding: 0.5rem; background: var(--surface2); border-radius: 8px; margin-bottom: 0.5rem; }
  .col-val { font-weight: 600; font-family: 'Playfair Display', serif; font-size: 15px; text-align: center; }
  .col-val.better { color: var(--green); }
  .col-val.worse { color: var(--red); }
  .breakeven-box { background: var(--accent-light); border: 1px solid rgba(27,79,216,0.2); border-radius: 14px; padding: 1.25rem; margin-bottom: 1rem; }
  .breakeven-box h3 { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--accent2); margin-bottom: 0.5rem; }
  .breakeven-box p { font-size: 14px; color: var(--text); line-height: 1.6; }
  .affiliate-box { background: linear-gradient(135deg, #1440B3, #1B4FD8); border-radius: 16px; padding: 1.5rem; margin-bottom: 1rem; text-align: center; color: white; }
  .affiliate-box h3 { font-family: 'Playfair Display', serif; font-size: 1.2rem; margin-bottom: 0.5rem; }
  .affiliate-box p { font-size: 13px; opacity: 0.85; margin-bottom: 1rem; line-height: 1.5; }
  .affiliate-btn { display: inline-block; background: white; color: var(--accent2); padding: 0.75rem 1.75rem; border-radius: 10px; font-weight: 600; font-size: 14px; text-decoration: none; }
  .ad-block { background: #f9f9f9; border: 1px dashed #ddd; border-radius: 12px; padding: 1rem; text-align: center; font-size: 11px; color: var(--muted); margin-bottom: 1.5rem; min-height: 260px; display: flex; flex-direction: column; align-items: center; justify-content: center; }
  .info-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.75rem; margin-bottom: 1.5rem; }
  @media (max-width: 480px) { .info-grid { grid-template-columns: 1fr; } }
  .info-card { background: var(--surface); border: 1px solid var(--border); border-radius: 16px; padding: 1.25rem; }
  .info-card .icon { font-size: 1.5rem; margin-bottom: 0.5rem; }
  .info-card h3 { font-size: 13px; font-weight: 600; margin-bottom: 0.25rem; }
  .info-card p { font-size: 12px; color: var(--muted); line-height: 1.5; }
  .related-links { background: var(--surface); border: 1px solid var(--border); border-radius: 16px; padding: 1.5rem; margin-bottom: 1.5rem; }
  .related-links h2 { font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted); margin-bottom: 1rem; }
  .related-links-grid { display: flex; flex-direction: column; gap: 0.6rem; }
  .related-link { display: flex; align-items: center; justify-content: space-between; padding: 0.7rem 1rem; background: var(--surface2); border-radius: 10px; text-decoration: none; color: var(--text); font-size: 13px; font-weight: 500; }
  .related-link span.arrow { color: var(--accent); font-weight: 700; }
  .faq { margin-bottom: 2rem; }
  .faq h2 { font-family: 'Playfair Display', serif; font-size: 1.75rem; font-weight: 400; margin-bottom: 1rem; }
  .faq-item { border-bottom: 1px solid var(--border); padding: 1rem 0; }
  .faq-item h3 { font-size: 14px; font-weight: 600; margin-bottom: 0.4rem; }
  .faq-item p { font-size: 13px; color: var(--muted); line-height: 1.6; }
  .faq-item p a { color: var(--accent); text-decoration: underline; text-underline-offset: 2px; }
  footer { background: var(--surface); border-top: 1px solid var(--border); padding: 1.5rem 2rem; text-align: center; font-size: 12px; color: var(--muted); }
  footer a { color: var(--accent); text-decoration: underline; }
  .error-msg { display: none; color: #EF4444; font-size: 13px; margin-top: 0.75rem; text-align: center; }
  .error-msg.show { display: block; }