/* SemakLayak — shared styles for article / SEO pages */
*{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#0b1f3a;--navy2:#132f52;--ink:#0f172a;--muted:#5a6b82;--line:#dfe6ef;
--accent:#00a86b;--accent2:#00875a;--warn:#e8930c;--danger:#d92d20;--gold:#f5b301;
--bg:#f5f7fb;--soft:#f8fafc;--radius:14px}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
color:var(--ink);background:var(--bg);line-height:1.7;font-size:16px;-webkit-font-smoothing:antialiased}

header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(0,0,0,.18)}
.hdr{max-width:820px;margin:0 auto;padding:0 20px;display:flex;align-items:center;
justify-content:space-between;height:58px;gap:14px}
.brand{display:flex;align-items:center;gap:9px;font-weight:800;font-size:18px;color:#fff;text-decoration:none}
.brand .dot{width:25px;height:25px;border-radius:8px;background:var(--accent);
display:grid;place-items:center;font-size:13px}
.hdr nav{display:flex;gap:16px}
.hdr nav a{color:#cfe0f5;text-decoration:none;font-size:13px;font-weight:700}
.hdr nav a:hover{color:#fff}
.burger{display:none;background:none;border:0;color:#fff;font-size:22px;cursor:pointer}
@media(max-width:600px){
  .hdr nav{display:none;position:absolute;top:58px;left:0;right:0;background:var(--navy2);
    flex-direction:column;padding:14px 20px;gap:11px}
  .hdr nav.open{display:flex}
  .burger{display:block}
}

main{max-width:820px;margin:0 auto;padding:24px 20px 60px}
.crumbs{font-size:12.5px;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--accent2)}

h1{font-size:clamp(24px,4.4vw,34px);line-height:1.22;letter-spacing:-.8px;font-weight:800;margin-bottom:12px}
h2{font-size:21px;font-weight:800;letter-spacing:-.4px;margin:30px 0 10px}
h3{font-size:17px;font-weight:800;margin:20px 0 7px}
p{color:#28394f;margin-bottom:13px}
ul,ol{margin:10px 0 14px 22px}
li{color:#28394f;margin-bottom:6px}
a{color:var(--accent2)}
strong,b{color:var(--ink)}
.lede{font-size:17.5px;color:#33465e;margin-bottom:18px}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
padding:22px;margin:20px 0}
.card.tight{padding:16px 20px}

table{width:100%;border-collapse:collapse;font-size:14.5px;margin:12px 0}
th,td{padding:9px 10px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--soft);font-size:11.5px;text-transform:uppercase;letter-spacing:.5px;
color:var(--muted);font-weight:800}
td.n,th.n{text-align:right;font-variant-numeric:tabular-nums}

.note{border-radius:10px;padding:13px 15px;margin:16px 0;font-size:14.5px}
.note.info{background:#eff6ff;border-left:4px solid #3b82f6;color:#1e3a5f}
.note.warn{background:#fff8ec;border-left:4px solid var(--warn);color:#7a4b00}
.note.ok{background:#e9f9f1;border-left:4px solid var(--accent);color:#0a5c3c}
.note.bad{background:#fdeeed;border-left:4px solid var(--danger);color:#8f1f19}

/* ---- calculator ---- */
.calc{background:linear-gradient(150deg,#0b1f3a,#132f52);color:#fff;border-radius:var(--radius);
padding:22px;margin:22px 0}
.calc *{color:#fff}
.calc-title{font-size:16px;font-weight:800;margin:0 0 14px;letter-spacing:-.2px}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px}
.calc-field{display:block;font-size:12px;font-weight:700;color:#c3d5ec;letter-spacing:.2px}
.calc-field input{width:100%;margin-top:5px;padding:10px 12px;border-radius:9px;
border:1.5px solid rgba(255,255,255,.25);background:rgba(255,255,255,.1);
color:#fff;font-size:15px;font-family:inherit;font-weight:700}
.calc-field input:focus{outline:0;border-color:var(--accent);background:rgba(255,255,255,.16)}
.calc-out{margin-top:16px}
.calc-kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px}
.calc-kpi{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.16);
border-radius:10px;padding:11px 13px}
.calc-kpi .k{font-size:10.5px;text-transform:uppercase;letter-spacing:.6px;color:#9fb8d6;font-weight:800}
.calc-kpi .v{font-size:19px;font-weight:800;letter-spacing:-.6px;margin-top:3px;
font-variant-numeric:tabular-nums;color:#4ade9f}
.calc-kpi .v span{color:inherit}
.calc-note{margin-top:12px;padding:11px 13px;border-radius:9px;font-size:13.5px;line-height:1.6}
.calc-note.ok{background:rgba(74,222,159,.14);color:#a7f3d0;border-left:3px solid #4ade9f}
.calc-note.warn{background:rgba(232,147,12,.16);color:#fde3b0;border-left:3px solid var(--warn)}
.calc-note.bad{background:rgba(217,45,32,.18);color:#fecaca;border-left:3px solid var(--danger)}
.calc-note.info{background:rgba(59,130,246,.16);color:#cfe1ff;border-left:3px solid #3b82f6}
.calc-table-wrap{overflow-x:auto;margin-top:6px}
.calc-table{width:100%;border-collapse:collapse;font-size:13.5px}
.calc-table th{background:rgba(255,255,255,.1);color:#9fb8d6;font-size:10.5px;
text-transform:uppercase;letter-spacing:.5px;padding:8px;text-align:left;border:0}
.calc-table td{padding:8px;border-top:1px solid rgba(255,255,255,.12)}
.calc-table td.n{text-align:right;font-variant-numeric:tabular-nums}

/* ---- FAQ ---- */
.faq details{border-bottom:1px solid var(--line);padding:13px 0}
.faq summary{font-weight:800;font-size:15.5px;cursor:pointer;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"+ ";color:var(--accent);font-weight:800}
.faq details[open] summary::before{content:"\2212 "}
.faq p{margin-top:9px;font-size:15px}

/* ---- CTA ---- */
.cta{background:#fff;border:1.5px solid var(--accent);border-radius:var(--radius);
padding:22px;margin:26px 0;text-align:center}
.cta h3{margin:0 0 7px;font-size:18px}
.cta p{font-size:14.5px;color:var(--muted);margin-bottom:14px}
.btn{display:inline-block;background:var(--accent);color:#fff;font-weight:800;
padding:13px 26px;border-radius:11px;text-decoration:none;font-size:15px}
.btn:hover{background:var(--accent2)}

/* ---- related links ---- */
.related{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin:14px 0}
.related a{display:block;background:#fff;border:1px solid var(--line);border-radius:11px;
padding:14px;text-decoration:none;color:var(--ink);font-weight:700;font-size:14.5px}
.related a:hover{border-color:var(--accent)}
.related a span{display:block;font-weight:400;font-size:12.5px;color:var(--muted);margin-top:4px}

footer{background:var(--navy);color:#9fb5d0;padding:26px 0;font-size:13px;margin-top:20px}
footer .f{max-width:820px;margin:0 auto;padding:0 20px;display:flex;
justify-content:space-between;gap:16px;flex-wrap:wrap}
footer a{color:#9fb5d0;text-decoration:none}
footer a:hover{color:#fff}
.disc{max-width:820px;margin:18px auto 0;padding:14px 20px 0;font-size:11.5px;
color:#7e97b5;line-height:1.65;border-top:1px solid rgba(255,255,255,.13)}