:root{--amber:#f59e0b;--bg:#f9fafb;--text:#111827;--muted:#6b7280}
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;background:var(--bg);color:var(--text)}
.container{max-width:1100px;margin:0 auto;padding:0 16px}
.site-header{background:#fff;border-bottom:1px solid #e5e7eb;position:sticky;top:0;z-index:10}
.nav{display:flex;align-items:center;justify-content:space-between;padding:12px 0}
.brand img{height:36px}.menu{display:flex;gap:16px;align-items:center}
.menu a{text-decoration:none;color:var(--text)}.btn{background:var(--amber);color:#fff;padding:10px 14px;border-radius:10px;text-decoration:none;border:0;display:inline-block;cursor:pointer}
.btn.ghost{background:transparent;color:var(--text);border:1px solid #e5e7eb}
.hero{padding:56px 0;background:linear-gradient(180deg,#fff,#fafafa)}.section{padding:40px 0}
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.card{background:#fff;border:1px solid #e5e7eb;border-radius:16px;padding:16px;text-decoration:none;color:inherit}
.ih-form{background:#fff;border:1px solid #e5e7eb;border-radius:16px;padding:16px}
.ih-form .ih-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.ih-form label{display:block;font-size:14px;margin-bottom:10px}
.ih-form input,.ih-form select,.ih-form textarea{width:100%;padding:10px 12px;border:1px solid #e5e7eb;border-radius:10px;font:inherit}
.ih-note{color:var(--muted);font-size:12px}
.ih-calc{background:#fff;border:1px solid #e5e7eb;border-radius:16px;padding:16px;margin-top:10px}
.ih-calc .ih-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:10px 0}
.ih-results{margin-top:10px;padding:12px;background:#f3f4f6;border-radius:12px}
.site-footer{background:#111827;color:#e5e7eb;margin-top:48px}.site-footer .container{padding:28px 16px}
@media(max-width:900px){.cards{grid-template-columns:1fr}.ih-form .ih-grid,.ih-calc .ih-grid{grid-template-columns:1fr}}