@font-face{font-family:Onest;src:url('fonts/onest-cyrillic.woff2') format('woff2');font-display:swap;font-style:normal;font-weight:100 900}
:root{
  --navy:#071827;
  --navy-2:#0d2b40;
  --navy-3:#173b51;
  --gold:#d29a4b;
  --gold-light:#efc781;
  --cream:#f5efe5;
  --paper:#fbf8f2;
  --ink:#102435;
  --muted:#697684;
  --line:#d9c6aa;
  --line-blue:#315066;
  --success:#4c8b75;
  --warning:#ad6f2c;
  --danger:#a54d42;
  --display:Georgia,'Times New Roman',serif;
  --sans:Onest,Inter,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;background:var(--paper)}
body{margin:0;color:var(--ink);background:var(--paper);font-family:var(--sans);font-size:16px;line-height:1.55;text-rendering:optimizeLegibility}
a{color:inherit;text-decoration:none}
button,input{font:inherit}
button{color:inherit}
.site-header{position:relative;z-index:20;min-height:88px;display:flex;align-items:center;justify-content:space-between;padding:18px clamp(22px,5vw,80px);color:#fff;background:var(--navy);border-bottom:1px solid rgba(210,154,75,.35)}
.brand,.footer-brand{display:flex;align-items:center;gap:14px}
.brand-mark{position:relative;display:grid;place-items:center;width:48px;height:48px;flex:0 0 auto;font-family:var(--display);font-size:18px;color:var(--gold-light)}
.brand-mark::before{content:"";position:absolute;inset:7px;border:1px solid var(--gold);transform:rotate(45deg)}
.brand>span:last-child,.footer-brand>span:last-child{display:flex;flex-direction:column;line-height:1.2}
.brand strong,.footer-brand strong{font-family:var(--display);font-size:20px;font-weight:600;letter-spacing:.01em}
.brand small,.footer-brand small{text-transform:uppercase;font-size:10px;letter-spacing:.18em;color:#9fb2c1;margin-top:5px}
.header-link{text-transform:uppercase;font-size:11px;font-weight:700;letter-spacing:.14em;border-bottom:1px solid var(--gold);padding:8px 0}

.hero{position:relative;isolation:isolate;min-height:680px;overflow:hidden;background:#04131f;color:#fff;border-bottom:1px solid var(--gold)}
.hero-photo{position:absolute;z-index:-3;inset:0;width:100%;height:100%;object-fit:cover;object-position:center center}
.hero-overlay{position:absolute;z-index:-2;inset:0;background:linear-gradient(90deg,rgba(2,14,23,.98) 0%,rgba(3,18,29,.93) 34%,rgba(5,22,34,.48) 58%,rgba(3,16,27,.10) 79%),linear-gradient(0deg,rgba(3,15,24,.8),transparent 36%)}
.hero::after{content:"";position:absolute;z-index:-1;left:clamp(22px,5vw,80px);top:92px;width:110px;height:1px;background:var(--gold)}
.hero-copy{max-width:690px;padding:148px clamp(22px,5vw,80px) 88px}
.eyebrow{margin:0 0 22px;color:var(--gold-light);text-transform:uppercase;letter-spacing:.18em;font-size:12px;font-weight:750}
h1,h2,h3,h4,p{margin-top:0}
h1{max-width:650px;margin-bottom:22px;font-family:var(--display);font-size:clamp(55px,6.3vw,94px);line-height:.94;font-weight:500;letter-spacing:-.035em;text-wrap:balance}
.hero-lead{max-width:610px;color:#d7e0e5;font-size:clamp(17px,1.7vw,23px);line-height:1.55}
.primary-button{display:inline-flex;align-items:center;justify-content:space-between;gap:48px;min-width:260px;margin-top:18px;padding:18px 22px;background:var(--gold);color:#071827;text-transform:uppercase;font-weight:800;font-size:11px;letter-spacing:.13em;transition:transform .2s ease,background .2s ease}
.primary-button:hover{background:var(--gold-light);transform:translateY(-2px)}
.privacy-line{margin:20px 0 0;color:#aebdc7;font-size:12px}.privacy-line span{color:var(--gold);font-size:9px;margin-right:7px}
.hero-signature{position:absolute;right:clamp(22px,5vw,80px);bottom:35px;display:flex;flex-direction:column;align-items:flex-end;text-shadow:0 2px 18px #000}
.hero-signature span{font-family:var(--display);font-size:22px}.hero-signature strong{text-transform:uppercase;letter-spacing:.18em;font-size:10px;color:var(--gold-light);margin-top:4px}

.trust-row{display:grid;grid-template-columns:repeat(3,1fr);background:var(--cream);border-bottom:1px solid var(--line)}
.trust-row span{position:relative;padding:24px;text-align:center;text-transform:uppercase;font-size:11px;font-weight:750;letter-spacing:.13em}
.trust-row span+span{border-left:1px solid var(--line)}
.legal-notice{max-width:1475px;margin:34px auto 0;display:flex;gap:18px;align-items:flex-start;padding:22px clamp(20px,3vw,38px);background:#f0e8dc;border:1px solid var(--line)}
.notice-mark{display:grid;place-items:center;flex:0 0 34px;width:34px;height:34px;border:1px solid var(--gold);color:var(--warning);font-family:var(--display);font-size:22px}
.legal-notice strong{text-transform:uppercase;font-size:11px;letter-spacing:.16em}.legal-notice p{margin:4px 0 0;color:#5c6670;font-size:13px}

.calculator-section{max-width:1475px;margin:0 auto;padding:70px 0 0}
.section-heading{padding:0 clamp(22px,4vw,56px) 34px}
.section-heading h2{max-width:870px;margin-bottom:14px;font-family:var(--display);font-size:clamp(38px,4.5vw,64px);font-weight:500;line-height:1.02;letter-spacing:-.02em}
.section-heading>p:last-child{max-width:670px;color:var(--muted)}
.calculator-shell{display:grid;grid-template-columns:minmax(0,2fr) minmax(310px,1fr);border:1px solid var(--line);border-bottom:0;background:#fff}
.question-panel{min-height:670px;padding:clamp(28px,4vw,58px);border-right:1px solid var(--line)}
.question-top{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-bottom:24px;border-bottom:1px solid #e6ddd1}
.question-top p{margin:0;color:var(--gold);text-transform:uppercase;letter-spacing:.18em;font-size:11px;font-weight:800}
.question-count{display:flex;align-items:baseline;gap:6px;color:var(--muted);font-size:12px}.question-count strong{font-family:var(--display);font-size:32px;color:var(--ink);font-weight:500}
.progress{height:3px;background:#e9dfd2;margin:0 0 38px}.progress span{display:block;height:100%;background:var(--gold);transition:width .35s ease}
.question-index{display:grid;place-items:center;width:48px;height:48px;border:1px solid var(--gold);color:var(--gold);font-family:var(--display);font-size:19px;margin-bottom:22px}
.question-panel h3{max-width:760px;margin-bottom:12px;font-family:var(--display);font-size:clamp(34px,3.6vw,54px);line-height:1.06;font-weight:500;letter-spacing:-.02em}
.question-help{max-width:760px;color:var(--muted);margin-bottom:28px}
.money-wrap{max-width:620px;margin:30px 0}.money-field{display:flex;align-items:center;border-bottom:1px solid var(--gold);padding:4px 0 12px}.money-field input{width:100%;border:0;outline:0;background:transparent;color:var(--ink);font-family:var(--display);font-size:clamp(44px,6vw,76px)}.money-field span{font-family:var(--display);font-size:36px;color:var(--gold)}
.range{width:100%;margin:22px 0 6px;accent-color:var(--gold)}.range-labels{display:flex;justify-content:space-between;color:var(--muted);font-size:11px}.field-hint{font-size:12px;color:var(--muted);margin-top:16px}
.subquestion{margin:28px 0 12px;font-size:12px;text-transform:uppercase;letter-spacing:.14em;color:var(--muted);font-weight:800}
.options{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.option{position:relative;min-height:78px;padding:15px 46px 15px 17px;border:1px solid #dbe0e3;background:#fff;text-align:left;cursor:pointer;transition:border-color .18s ease,background .18s ease,transform .18s ease}.option:hover{border-color:var(--gold);transform:translateY(-1px)}.option.selected{border-color:var(--gold);background:#fbf5ea}.option::after{content:"";position:absolute;right:17px;top:50%;width:17px;height:17px;border:1px solid #9da8af;border-radius:50%;transform:translateY(-50%)}.option.selected::after{box-shadow:inset 0 0 0 4px #fbf5ea;background:var(--gold);border-color:var(--gold)}.option strong{display:block;font-size:14px}.option span{display:block;margin-top:3px;color:var(--muted);font-size:11px;line-height:1.4}
.multi-note{display:flex;gap:10px;align-items:flex-start;margin:18px 0 0;color:var(--muted);font-size:12px}.multi-note i{display:grid;place-items:center;flex:0 0 22px;width:22px;height:22px;border:1px solid var(--gold);border-radius:50%;font-style:normal;color:var(--gold)}
.dependents{display:flex;align-items:center;justify-content:space-between;max-width:520px;margin-top:24px;padding:18px 0;border-top:1px solid #e6ddd1;border-bottom:1px solid #e6ddd1}.dependents span{display:flex;flex-direction:column}.dependents small{color:var(--muted)}.stepper{display:flex;align-items:center;gap:17px}.stepper button{display:grid;place-items:center;width:38px;height:38px;border:1px solid var(--line);background:#fff;cursor:pointer}.stepper strong{min-width:24px;text-align:center;font-family:var(--display);font-size:24px}
.question-actions{display:flex;align-items:center;gap:18px;margin-top:34px}.nav-button{min-width:150px;padding:14px 18px;border:1px solid var(--navy);background:transparent;text-transform:uppercase;font-size:11px;letter-spacing:.12em;font-weight:800;cursor:pointer}.nav-button.next{background:var(--navy);color:#fff}.nav-button:disabled{opacity:.35;cursor:not-allowed}.answer-required{margin-left:auto;color:var(--muted);font-size:11px}

.live-panel{position:sticky;top:0;align-self:start;min-height:670px;padding:clamp(28px,3.7vw,52px);background:var(--navy);color:#fff}
.live-kicker{color:var(--gold-light);text-transform:uppercase;letter-spacing:.16em;font-size:10px;font-weight:800}
.score-ring{--score:0;display:grid;place-items:center;width:170px;height:170px;margin:26px auto 20px;border-radius:50%;background:conic-gradient(var(--gold) calc(var(--score)*1%),rgba(255,255,255,.12) 0);position:relative;transition:background .35s ease}.score-ring::before{content:"";position:absolute;inset:9px;border-radius:50%;background:var(--navy)}.score-ring div{position:relative;display:flex;align-items:baseline}.score-ring strong{font-family:var(--display);font-size:62px;font-weight:500;line-height:1}.score-ring span{color:#9eb1be;font-size:12px}
.score-caption{min-height:52px;color:#bcc9d1;text-align:center;font-size:13px}.live-stats{margin-top:30px;border-top:1px solid var(--line-blue)}.live-stats>div{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;padding:16px 0;border-bottom:1px solid var(--line-blue)}.live-stats span{color:#91a6b4;font-size:11px}.live-stats strong{max-width:55%;text-align:right;font-size:12px}.model-note{margin:24px 0 0;color:#6f899a;font-size:10px}

.result{border:1px solid var(--line);background:#fff}
.result-hero{display:grid;grid-template-columns:190px 1fr;gap:32px;padding:clamp(32px,5vw,68px);background:var(--navy);color:#fff}
.result-score{display:flex;flex-direction:column;align-items:center;justify-content:center;min-height:160px;border:1px solid var(--gold)}.result-score strong{font-family:var(--display);font-size:70px;font-weight:500;line-height:1}.result-score span{color:#9fb0bb;font-size:12px}.result-summary .eyebrow{margin-bottom:12px}.result-summary h2{max-width:850px;margin-bottom:12px;font-family:var(--display);font-size:clamp(38px,4.5vw,64px);line-height:1.02;font-weight:500}.result-summary>p:last-of-type{max-width:850px;color:#b7c6cf}.result-pills{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}.pill{padding:9px 12px;border:1px solid var(--line-blue);font-size:11px}.pill strong{color:var(--gold-light)}
.result-grid{display:grid;grid-template-columns:1fr 1fr}.result-card{padding:clamp(30px,4vw,54px);border-bottom:1px solid var(--line)}.result-card:nth-child(odd){border-right:1px solid var(--line)}.card-number{display:block;color:var(--gold);font-family:var(--display);font-size:18px;margin-bottom:18px}.result-card h3{font-family:var(--display);font-size:34px;line-height:1.08;font-weight:500}.result-list{margin:0;padding:0;list-style:none}.result-list li{position:relative;padding:13px 0 13px 24px;border-top:1px solid #e7ded2;font-size:14px}.result-list li::before{content:"";position:absolute;left:2px;top:22px;width:6px;height:6px;background:var(--gold);transform:rotate(45deg)}
.next-steps{padding:clamp(34px,5vw,68px);background:var(--cream)}.next-steps h3{font-family:var(--display);font-size:40px;font-weight:500}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}.step{padding:24px;background:var(--paper)}.step span{font-family:var(--display);font-size:26px;color:var(--gold)}.step p{margin:12px 0 0;font-size:13px}
.contact-result{display:grid;grid-template-columns:1.15fr .85fr;gap:45px;padding:clamp(34px,5vw,68px);background:var(--navy-2);color:#fff}.contact-result h3{font-family:var(--display);font-size:clamp(38px,4vw,55px);line-height:1.04;font-weight:500}.contact-result p{color:#b7c6cf}.contact-note{display:flex;gap:10px;font-size:12px!important;color:#8fa6b4!important}.contact-note span{color:var(--gold-light)}.messenger-actions{display:grid;gap:10px}.messenger-button{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:62px;padding:15px 18px;border:1px solid var(--line-blue);background:transparent;color:#fff;cursor:pointer;text-align:left}.messenger-button:hover{border-color:var(--gold)}.messenger-button strong{display:block}.messenger-button small{display:block;color:#8fa5b3;margin-top:2px}.messenger-code{display:grid;place-items:center;min-width:42px;height:32px;border:1px solid var(--gold);color:var(--gold-light);font-weight:800;font-size:10px}.messenger-icon img{display:block;max-width:24px;max-height:24px}.copy-button{margin-top:7px;background:var(--gold);border-color:var(--gold);color:var(--navy)}
.result-controls{display:flex;gap:14px;padding:24px clamp(24px,5vw,68px);border-top:1px solid var(--line)}
.disclaimer{padding:20px clamp(24px,5vw,68px);border-top:1px solid var(--line);color:var(--muted);font-size:11px}.disclaimer strong{color:var(--ink)}

.site-footer{display:grid;grid-template-columns:1fr 1.25fr auto;gap:40px;align-items:center;margin-top:80px;padding:48px clamp(22px,5vw,80px);background:#03111c;color:#fff}.site-footer>p{margin:0;color:#698293;font-size:10px}.footer-contact{display:flex;align-items:center;gap:20px}.footer-contact>a{font-family:var(--display);font-size:25px;color:var(--gold-light);white-space:nowrap}.footer-messengers{display:flex;gap:8px}.footer-messengers a{display:grid;place-items:center;min-width:42px;height:42px;padding:0 8px;border:1px solid #425867;border-radius:50%;font-size:9px;font-weight:800;color:var(--gold-light)}.footer-messengers img{display:block;max-width:21px;max-height:21px}
.toast{position:fixed;left:50%;bottom:24px;z-index:100;max-width:min(520px,calc(100vw - 32px));padding:14px 18px;background:#fff;border:1px solid var(--gold);box-shadow:0 16px 50px rgba(0,0,0,.25);transform:translate(-50%,20px);opacity:0;pointer-events:none;transition:.2s ease;font-size:13px}.toast.show{transform:translate(-50%,0);opacity:1}
[hidden]{display:none!important}

@media(max-width:980px){
  .calculator-shell{grid-template-columns:1fr}.question-panel{border-right:0}.live-panel{position:relative;min-height:auto}.score-ring{width:140px;height:140px}.result-grid{grid-template-columns:1fr}.result-card:nth-child(odd){border-right:0}.contact-result{grid-template-columns:1fr}.site-footer{grid-template-columns:1fr 1fr}.site-footer>p{grid-column:1/-1;grid-row:2}.footer-contact{justify-self:end}
}
@media(max-width:700px){
  .site-header{min-height:72px;padding:12px 16px}.brand-mark{width:40px;height:40px}.brand strong{font-size:15px}.brand small{font-size:8px}.header-link{display:none}
  .hero{min-height:760px}.hero-photo{object-position:62% center}.hero-overlay{background:linear-gradient(0deg,rgba(3,15,24,.98) 0%,rgba(3,15,24,.91) 39%,rgba(3,15,24,.22) 69%,rgba(3,15,24,.08) 100%),linear-gradient(90deg,rgba(3,15,24,.45),transparent 75%)}.hero::after{top:auto;bottom:375px;left:18px}.hero-copy{position:absolute;left:0;right:0;bottom:0;padding:0 18px 72px}.hero-copy .eyebrow{margin-bottom:12px}.hero h1{font-size:53px;max-width:450px}.hero-lead{font-size:15px;line-height:1.5}.primary-button{width:100%;min-width:0;margin-top:10px}.privacy-line{font-size:10px}.hero-signature{top:20px;right:16px;bottom:auto}.hero-signature span{font-size:15px}.hero-signature strong{font-size:8px}
  .trust-row{grid-template-columns:1fr}.trust-row span{padding:16px}.trust-row span+span{border-left:0;border-top:1px solid var(--line)}.legal-notice{margin:18px 14px 0;padding:17px}.calculator-section{padding-top:50px}.section-heading{padding:0 18px 26px}.section-heading h2{font-size:39px}
  .calculator-shell{border-left:0;border-right:0}.question-panel{min-height:620px;padding:26px 18px}.question-top{padding-bottom:16px}.progress{margin-bottom:26px}.question-index{width:42px;height:42px;margin-bottom:16px}.question-panel h3{font-size:37px}.options{grid-template-columns:1fr}.option{min-height:70px}.question-actions{flex-wrap:wrap}.nav-button{min-width:calc(50% - 9px)}.answer-required{width:100%;order:-1;margin:0}.dependents{gap:12px}.dependents>span{font-size:13px}
  .live-panel{padding:32px 18px}.live-panel{display:grid;grid-template-columns:145px 1fr;gap:0 18px}.live-kicker{grid-column:1/-1}.score-ring{grid-column:1}.score-caption{align-self:center;text-align:left}.live-stats{grid-column:1/-1}.model-note{grid-column:1/-1}
  .result-hero{grid-template-columns:1fr;padding:32px 18px}.result-score{min-height:115px}.result-score strong{font-size:58px}.result-summary h2{font-size:42px}.result-grid{grid-template-columns:1fr}.result-card{padding:32px 18px}.next-steps{padding:34px 18px}.steps{grid-template-columns:1fr}.contact-result{padding:34px 18px;gap:22px}.result-controls{padding:20px 18px;flex-direction:column}.result-controls .nav-button{width:100%}.disclaimer{padding:18px}.site-footer{grid-template-columns:1fr;gap:26px;margin-top:45px;padding:38px 18px}.site-footer>p{grid-column:auto;grid-row:auto}.footer-contact{justify-self:start;flex-wrap:wrap}.footer-contact>a{font-size:23px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important}}
@media print{.site-header,.hero,.trust-row,.legal-notice,.section-heading,.question-panel,.live-panel,.site-footer,.result-controls,.messenger-actions,.contact-note{display:none!important}.calculator-section{padding:0}.calculator-shell{display:none}.result{display:block!important;border:0}.result-hero{background:#fff;color:#000}.contact-result{background:#fff;color:#000}.contact-result p{color:#444}}