:root{--bg:#f6f9ff;--card:#ffffff;--accent1:linear-gradient(135deg,#4ea8ff 0%,#6dd6ff 100%);--primary:#0b6ef6;--muted:#556070;--radius:14px}
[data-theme='dark']{--bg:#071025;--card:#071828;--muted:#9aa6b2;--primary:#66b0ff}
*{box-sizing:border-box}
body{margin:0;font-family:Inter,system-ui,Arial;background:var(--bg);color:#04202f}
.container{max-width:1100px;margin:24px auto;padding:16px}
.topbar{background:var(--accent1);padding:14px;border-radius:14px;color:white}
.navwrap{display:flex;align-items:center;gap:12px}
.brand a{font-weight:700;color:white;text-decoration:none}
nav{display:flex;gap:10px;margin-left:12px}
nav a{color:rgba(255,255,255,0.92);text-decoration:none;padding:6px 8px;border-radius:8px}
nav a.active{background:rgba(255,255,255,0.12)}
.tools{margin-left:auto;display:flex;gap:8px;align-items:center}
.icon{background:transparent;border:0;color:white;font-size:18px;cursor:pointer}
.lang button{background:transparent;border:0;color:white;cursor:pointer}
.hero{padding:22px;display:flex;flex-direction:column;gap:8px}
.btn{background:var(--primary);color:white;padding:10px 14px;border-radius:10px;border:0;cursor:pointer}
.btn.ghost{background:transparent;border:1px solid rgba(11,110,246,0.14);color:var(--primary)}
.card{background:var(--card);border-radius:12px;padding:14px;box-shadow:0 6px 20px rgba(2,6,23,0.04)}
.small{color:var(--muted)}
.grid-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:16px}
.feature-list{margin:8px 0 0;padding-left:18px}
.cta-row{display:flex;gap:10px;margin-top:12px}
.tabs{display:flex;gap:8px;margin-top:12px}
.tab{padding:8px 10px;border-radius:8px;border:1px solid #eef6ff;background:transparent;cursor:pointer}
.tab.active{background:var(--primary);color:white}
.tabpanels .calc{margin-top:12px}
.calc-form input,textarea,select{width:100%;padding:10px;border-radius:8px;border:1px solid #e8f0ff;margin-top:6px}
.row{display:flex;gap:10px}
.col{flex:1}
.result{margin-top:10px;padding:10px;border-radius:8px;background:linear-gradient(180deg,rgba(11,110,246,0.04),transparent)}
.chart{margin-top:10px}
.amort-table{width:100%;border-collapse:collapse;margin-top:8px}
.amort-table th,.amort-table td{padding:8px;border-bottom:1px solid #f1f5f9}
.footer{margin-top:20px;padding:14px;text-align:center;color:var(--muted)}
@media(max-width:900px){.grid-cards{grid-template-columns:repeat(2,1fr)}.navwrap{flex-wrap:wrap}}
@media(max-width:600px){.grid-cards{grid-template-columns:1fr}.row{flex-direction:column}}