  <style>
        /* ========== HARMONIOUS DESIGN SYSTEM ========== */
        :root {
            /* Primary - Emerald Green */
            --primary: #10B981;
            --primary-dark: #059669;
            --primary-light: #A7F3D0;
            --primary-soft: #ECFDF5;
            
            /* Accent - Warm Amber */
            --accent: #F59E0B;
            --accent-dark: #D97706;
            --accent-light: #FEF3C7;
            
            /* Supporting Colors */
            --teal: #14B8A6;
            --teal-light: #CCFBF1;
            --purple: #8B5CF6;
            --purple-light: #EDE9FE;
            --coral: #F87171;
            --coral-light: #FEE2E2;
            
            /* Neutrals */
            --text: #1F2937;
            --text-secondary: #4B5563;
            --text-muted: #9CA3AF;
            --bg: #F9FAFB;
            --card: #FFFFFF;
            --border: #E5E7EB;
            --border-light: #F3F4F6;
            
            /* Shadows */
            --shadow-sm: 0 1px 2px rgba(0,0,0,0.04);
            --shadow: 0 4px 12px rgba(0,0,0,0.06);
            --shadow-lg: 0 8px 24px rgba(0,0,0,0.08);
            
            /* Radius */
            --radius-sm: 8px;
            --radius: 12px;
            --radius-lg: 16px;
            --radius-xl: 24px;
            
            /* Transitions */
            --transition: 0.2s ease;
        }
        
        /* ========== HERO SECTION ========== */
        .hero {
            padding: 140px 24px 100px;
            text-align: center;
            max-width: 900px;
            margin: 0 auto;
        }
        
        .hero-badge {
            display: inline-flex;
            align-items: center;
            gap: 8px;
            padding: 10px 20px;
            background: var(--primary-soft);
            border: 1px solid var(--primary-light);
            border-radius: 50px;
            font-size: 14px;
            font-weight: 500;
            color: var(--primary-dark);
            margin-bottom: 28px;
        }
        
        .hero-badge svg {
            width: 16px;
            height: 16px;
            fill: var(--primary);
        }
        
        .hero-title {
            font-size: clamp(36px, 6vw, 56px);
            font-weight: 900;
            line-height: 1.1;
            color: var(--text);
            margin-bottom: 20px;
            letter-spacing: -0.02em;
        }
        
        .hero-title span {
            color: var(--primary);
        }
        
        .hero-subtitle {
            font-size: 18px;
            color: var(--text-secondary);
            line-height: 1.7;
            max-width: 560px;
            margin: 0 auto 36px;
        }
        
        .hero-cta {
            display: flex;
            gap: 16px;
            justify-content: center;
            flex-wrap: wrap;
        }
        
        .btn-primary {
            display: inline-flex;
            align-items: center;
            gap: 10px;
            padding: 16px 32px;
            background: var(--primary);
            color: white;
            font-size: 16px;
            font-weight: 600;
            border-radius: var(--radius);
            text-decoration: none;
            box-shadow: var(--shadow);
            transition: all 0.2s ease;
        }
        
        .btn-primary:hover {
            background: var(--primary-dark);
            transform: translateY(-2px);
            box-shadow: 0 6px 20px rgba(16, 185, 129, 0.3);
        }
        
        .btn-primary svg {
            width: 20px;
            height: 20px;
            fill: currentColor;
        }
        
        .btn-secondary {
            display: inline-flex;
            align-items: center;
            gap: 10px;
            padding: 16px 32px;
            background: var(--card);
            color: var(--text);
            font-size: 16px;
            font-weight: 600;
            border-radius: var(--radius);
            text-decoration: none;
            border: 1px solid var(--border);
            box-shadow: var(--shadow-sm);
            transition: all 0.2s ease;
        }
        
        .btn-secondary:hover {
            border-color: var(--primary);
            color: var(--primary);
            transform: translateY(-2px);
        }
        
        .btn-secondary svg {
            width: 20px;
            height: 20px;
            fill: var(--primary);
        }
        
        /* ========== SECTION STYLES ========== */
        .section {
            padding: 80px 24px;
        }
        
        .section-header {
            text-align: center;
            max-width: 600px;
            margin: 0 auto 48px;
        }
        
        .section-label {
            display: inline-block;
            padding: 6px 14px;
            background: var(--primary-soft);
            color: var(--primary-dark);
            font-size: 12px;
            font-weight: 600;
            text-transform: uppercase;
            letter-spacing: 0.05em;
            border-radius: 50px;
            margin-bottom: 16px;
        }
        
        .section-title {
            font-size: 36px;
            font-weight: 900;
            color: var(--text);
            margin-bottom: 12px;
            letter-spacing: -0.02em;
        }
        
        .section-subtitle {
            font-size: 17px;
            color: var(--text-secondary);
            line-height: 1.6;
        }
        
        /* ========== DEFICIT SECTION ========== */
        .deficit-section {
            background: linear-gradient(180deg, #F0FDF4 0%, #FFFFFF 50%, #F9FAFB 100%);
            border-top: 1px solid var(--primary-light);
            border-bottom: 1px solid var(--border);
        }
        
        .deficit-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 24px;
            margin-bottom: 48px;
        }
        
        .deficit-card {
            background: var(--card);
            border-radius: var(--radius-lg);
            padding: 32px;
            border: 1px solid var(--border);
            box-shadow: 0 4px 16px rgba(0,0,0,0.06);
            text-align: center;
            transition: all 0.3s ease;
        }
        
        .deficit-card:hover {
            transform: translateY(-4px);
            box-shadow: 0 8px 24px rgba(0,0,0,0.1);
            border-color: var(--primary-light);
        }
        
        .deficit-icon {
            width: 64px;
            height: 64px;
            border-radius: var(--radius);
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 20px;
        }
        
        .deficit-icon.blue {
            background: #DBEAFE;
        }
        
        .deficit-icon.blue svg {
            fill: #3B82F6;
        }
        
        .deficit-icon.green {
            background: var(--primary-soft);
        }
        
        .deficit-icon.green svg {
            fill: var(--primary);
        }
        
        .deficit-icon.amber {
            background: var(--accent-light);
        }
        
        .deficit-icon.amber svg {
            fill: var(--accent-dark);
        }
        
        .deficit-icon svg {
            width: 28px;
            height: 28px;
        }
        
        .deficit-card h3 {
            font-size: 20px;
            font-weight: 700;
            color: var(--text);
            margin-bottom: 12px;
        }
        
        .deficit-card p {
            font-size: 15px;
            color: var(--text-secondary);
            line-height: 1.7;
        }
        
        .example-box {
            max-width: 500px;
            margin: 0 auto;
            background: var(--card);
            border-radius: var(--radius-lg);
            padding: 32px;
            border: 2px solid var(--primary);
            box-shadow: 0 8px 24px rgba(16, 185, 129, 0.12);
        }
        
        .example-header {
            display: flex;
            align-items: center;
            gap: 12px;
            margin-bottom: 24px;
            padding-bottom: 20px;
            border-bottom: 1px solid var(--border-light);
        }
        
        .example-header-icon {
            width: 40px;
            height: 40px;
            background: var(--primary-soft);
            border-radius: var(--radius-sm);
            display: flex;
            align-items: center;
            justify-content: center;
        }
        
        .example-header-icon svg {
            width: 20px;
            height: 20px;
            fill: var(--primary);
        }
        
        .example-header h4 {
            font-size: 18px;
            font-weight: 700;
            color: var(--text);
        }
        
        .example-row {
            display: flex;
            justify-content: space-between;
            align-items: center;
            padding: 14px 0;
            border-bottom: 1px dashed var(--border);
        }
        
        .example-row:last-child {
            border-bottom: none;
        }
        
        .example-label {
            font-size: 15px;
            color: var(--text-secondary);
        }
        
        .example-value {
            font-size: 16px;
            font-weight: 600;
            color: var(--text);
        }
        
        .example-value.minus {
            color: var(--coral);
        }
        
        .example-value.result {
            color: var(--primary);
            font-size: 18px;
            font-weight: 700;
        }
        
        .example-footer {
            margin-top: 20px;
            padding-top: 20px;
            border-top: 2px solid var(--primary-light);
            text-align: center;
            font-size: 15px;
            font-weight: 600;
            color: var(--primary-dark);
        }
        
        /* ========== CALCULATORS SECTION ========== */
        .calculators-section {
            background: linear-gradient(180deg, #FFFFFF 0%, #F9FAFB 100%);
            border-bottom: 1px solid var(--border);
        }
        
        .calculators-grid {
            display: grid;
            grid-template-columns: repeat(2, 1fr);
            gap: 24px;
            max-width: 1000px;
            margin: 0 auto;
        }
        
        .calculator-card {
            background: var(--card);
            border-radius: var(--radius-lg);
            padding: 28px;
            border: 1px solid var(--border);
            box-shadow: 0 4px 16px rgba(0,0,0,0.05);
            display: flex;
            flex-direction: column;
            position: relative;
            transition: all 0.3s ease;
        }
        
        .calculator-card:hover {
            transform: translateY(-4px);
            box-shadow: 0 12px 32px rgba(0,0,0,0.1);
            border-color: var(--primary-light);
        }
        
        .calculator-card.featured {
            border: 2px solid var(--primary);
            background: linear-gradient(180deg, var(--card) 0%, var(--primary-soft) 100%);
        }
        
        .calculator-badge {
            position: absolute;
            top: -10px;
            left: 24px;
            padding: 6px 14px;
            background: var(--primary);
            color: white;
            font-size: 11px;
            font-weight: 700;
            text-transform: uppercase;
            letter-spacing: 0.05em;
            border-radius: 50px;
        }
        
        .calculator-icon {
            width: 52px;
            height: 52px;
            border-radius: var(--radius);
            display: flex;
            align-items: center;
            justify-content: center;
            margin-bottom: 20px;
        }
        
        .calculator-icon svg {
            width: 24px;
            height: 24px;
        }
        
        .calculator-icon.green {
            background: var(--primary-soft);
        }
        
        .calculator-icon.green svg {
            fill: var(--primary);
        }
        
        .calculator-icon.purple {
            background: var(--purple-light);
        }
        
        .calculator-icon.purple svg {
            fill: var(--purple);
        }
        
        .calculator-icon.amber {
            background: var(--accent-light);
        }
        
        .calculator-icon.amber svg {
            fill: var(--accent-dark);
        }
        
        .calculator-icon.teal {
            background: var(--teal-light);
        }
        
        .calculator-icon.teal svg {
            fill: var(--teal);
        }
        
        .calculator-card h3 {
            font-size: 22px;
            font-weight: 700;
            color: var(--text);
            margin-bottom: 10px;
        }
        
        .calculator-card p {
            font-size: 15px;
            color: var(--text-secondary);
            line-height: 1.6;
            margin-bottom: 20px;
            flex-grow: 1;
        }
        
        .calculator-features {
            list-style: none;
            margin-bottom: 24px;
        }
        
        .calculator-features li {
            display: flex;
            align-items: center;
            gap: 10px;
            font-size: 14px;
            color: var(--text-secondary);
            padding: 6px 0;
        }
        
        .calculator-features li::before {
            content: '';
            width: 16px;
            height: 16px;
            background: var(--primary-soft);
            border-radius: 50%;
            flex-shrink: 0;
            background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%2310B981'%3E%3Cpath d='M9 16.17L4.83 12l-1.42 1.41L9 19 21 7l-1.41-1.41z'/%3E%3C/svg%3E");
            background-size: 12px;
            background-position: center;
            background-repeat: no-repeat;
        }
        
        .calculator-btn {
            display: flex;
            align-items: center;
            justify-content: center;
            gap: 10px;
            padding: 14px 24px;
            background: var(--primary);
            color: white;
            font-size: 15px;
            font-weight: 600;
            border-radius: var(--radius);
            text-decoration: none;
            transition: all 0.2s ease;
        }
        
        .calculator-btn:hover {
            background: var(--primary-dark);
            transform: translateY(-2px);
        }
        
        .calculator-btn svg {
            width: 18px;
            height: 18px;
            fill: currentColor;
        }
        
        .calculator-btn.outline {
            background: var(--card);
            color: var(--text);
            border: 1px solid var(--border);
        }
        
        .calculator-btn.outline:hover {
            border-color: var(--primary);
            color: var(--primary);
        }
        
        .calculator-btn.outline svg {
            fill: var(--primary);
        }
        
        /* ========== TOOLS PREVIEW SECTION ========== */
        .tools-preview-section {
            background: linear-gradient(135deg, var(--primary-soft) 0%, #D1FAE5 100%);
            padding: 60px 24px;
            border-top: 1px solid var(--primary-light);
            border-bottom: 1px solid var(--primary-light);
        }
        
        .tools-preview-grid {
            display: grid;
            grid-template-columns: repeat(4, 1fr);
            gap: 20px;
            max-width: 1100px;
            margin: 0 auto;
        }
        
        .tool-preview-card {
            background: var(--card);
            border-radius: var(--radius-lg);
            padding: 24px;
            text-align: center;
            border: 1px solid var(--border);
            box-shadow: 0 4px 12px rgba(0,0,0,0.05);
            transition: all 0.3s ease;
        }
        
        .tool-preview-card:hover {
            transform: translateY(-6px);
            box-shadow: 0 12px 28px rgba(0,0,0,0.1);
            border-color: var(--primary);
        }
        
        .tool-preview-icon {
            width: 56px;
            height: 56px;
            border-radius: var(--radius);
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 16px;
        }
        
        .tool-preview-icon svg {
            width: 26px;
            height: 26px;
        }
        
        .tool-preview-icon.green { background: var(--primary-soft); }
        .tool-preview-icon.green svg { fill: var(--primary); }
        .tool-preview-icon.purple { background: var(--purple-light); }
        .tool-preview-icon.purple svg { fill: var(--purple); }
        .tool-preview-icon.amber { background: var(--accent-light); }
        .tool-preview-icon.amber svg { fill: var(--accent-dark); }
        .tool-preview-icon.teal { background: var(--teal-light); }
        .tool-preview-icon.teal svg { fill: var(--teal); }
        
        .tool-preview-card h4 {
            font-size: 16px;
            font-weight: 700;
            color: var(--text);
            margin-bottom: 8px;
        }
        
        .tool-preview-card p {
            font-size: 13px;
            color: var(--text-secondary);
            line-height: 1.5;
            margin-bottom: 16px;
        }
        
        .tool-preview-link {
            display: inline-flex;
            align-items: center;
            gap: 6px;
            font-size: 13px;
            font-weight: 600;
            color: var(--primary);
            text-decoration: none;
        }
        
        .tool-preview-link:hover {
            color: var(--primary-dark);
        }
        
        .tool-preview-link svg {
            width: 14px;
            height: 14px;
            fill: currentColor;
        }
        
        /* ========== TIPS SECTION ========== */
        .tips-section {
            background: linear-gradient(180deg, #FFFFFF 0%, #F9FAFB 100%);
            border-bottom: 1px solid var(--border);
        }
        
        .tips-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 20px;
            max-width: 1100px;
            margin: 0 auto;
        }
        
        .tip-card {
            background: var(--card);
            border-radius: var(--radius-lg);
            padding: 24px;
            border: 1px solid var(--border);
            box-shadow: 0 4px 12px rgba(0,0,0,0.04);
            transition: all 0.3s ease;
        }
        
        .tip-card:hover {
            transform: translateY(-4px);
            box-shadow: 0 8px 20px rgba(0,0,0,0.08);
            border-color: var(--primary-light);
        }
        
        .tip-icon {
            width: 44px;
            height: 44px;
            border-radius: var(--radius-sm);
            display: flex;
            align-items: center;
            justify-content: center;
            margin-bottom: 16px;
        }
        
        .tip-icon svg {
            width: 22px;
            height: 22px;
        }
        
        .tip-icon.green { background: var(--primary-soft); }
        .tip-icon.green svg { fill: var(--primary); }
        .tip-icon.amber { background: var(--accent-light); }
        .tip-icon.amber svg { fill: var(--accent-dark); }
        .tip-icon.blue { background: #DBEAFE; }
        .tip-icon.blue svg { fill: #3B82F6; }
        .tip-icon.purple { background: var(--purple-light); }
        .tip-icon.purple svg { fill: var(--purple); }
        .tip-icon.teal { background: var(--teal-light); }
        .tip-icon.teal svg { fill: var(--teal); }
        .tip-icon.rose { background: var(--coral-light); }
        .tip-icon.rose svg { fill: var(--coral); }
        
        .tip-card h4 {
            font-size: 17px;
            font-weight: 700;
            color: var(--text);
            margin-bottom: 8px;
        }
        
        .tip-card p {
            font-size: 14px;
            color: var(--text-secondary);
            line-height: 1.6;
        }
        
        /* ========== FAQ SECTION ========== */
        .faq-section {
            background: #FFFFFF;
            padding-bottom: 100px;
            border-bottom: 1px solid var(--border);
        }
        
        .faq-container {
            max-width: 720px;
            margin: 0 auto;
        }
        
        .faq-item {
            background: var(--card);
            border-radius: var(--radius);
            margin-bottom: 12px;
            border: 1px solid var(--border);
            overflow: hidden;
            transition: all 0.2s ease;
        }
        
        .faq-item:hover {
            border-color: var(--primary-light);
        }
        
        .faq-header {
            display: flex;
            align-items: center;
            justify-content: space-between;
            width: 100%;
            padding: 18px 24px;
            background: none;
            border: none;
            font-size: 15px;
            font-weight: 600;
            color: var(--text);
            cursor: pointer;
            text-align: left;
        }
        
        .faq-header:hover {
            background: var(--primary-soft);
        }
        
        .faq-header svg {
            width: 20px;
            height: 20px;
            fill: var(--text-muted);
            transition: transform 0.2s ease;
        }
        
        .faq-item.active .faq-header svg {
            transform: rotate(180deg);
            fill: var(--primary);
        }
        
        .faq-content {
            max-height: 0;
            overflow: hidden;
            transition: max-height 0.3s ease;
        }
        
        .faq-item.active .faq-content {
            max-height: 200px;
        }
        
        .faq-content p {
            padding: 0 24px 18px;
            font-size: 14px;
            color: var(--text-secondary);
            line-height: 1.7;
        }
        
        /* ========== CTA SECTION ========== */
        .cta-section {
            padding: 80px 24px;
            background: linear-gradient(135deg, var(--primary-soft) 0%, #D1FAE5 100%);
            border-top: 1px solid var(--primary-light);
        }
        
        .cta-box {
            max-width: 600px;
            margin: 0 auto;
            text-align: center;
        }
        
        .cta-box h2 {
            font-size: 32px;
            font-weight: 900;
            color: var(--text);
            margin-bottom: 12px;
        }
        
        .cta-box p {
            font-size: 17px;
            color: var(--text-secondary);
            margin-bottom: 28px;
            line-height: 1.6;
        }
        
        /* ========== STATS SECTION ========== */
        .stats-section {
            background: linear-gradient(180deg, #FFFFFF 0%, #F9FAFB 100%);
            padding: 60px 24px;
            border-bottom: 1px solid var(--border);
        }
        
        .stats-grid {
            display: grid;
            grid-template-columns: repeat(4, 1fr);
            gap: 24px;
            max-width: 900px;
            margin: 0 auto;
        }
        
        .stat-item {
            text-align: center;
            padding: 24px;
        }
        
        .stat-number {
            font-size: 42px;
            font-weight: 900;
            color: var(--primary);
            margin-bottom: 8px;
        }
        
        .stat-label {
            font-size: 14px;
            color: var(--text-secondary);
            font-weight: 500;
        }
        
        /* ========== RESPONSIVE ========== */
        @media (max-width: 1024px) {
            .deficit-grid {
                grid-template-columns: 1fr;
            }
            
            .calculators-grid {
                grid-template-columns: 1fr;
            }
            
            .tips-grid {
                grid-template-columns: repeat(2, 1fr);
            }
            
            .tools-preview-grid {
                grid-template-columns: repeat(2, 1fr);
            }
            
            .stats-grid {
                grid-template-columns: repeat(2, 1fr);
            }
        }
        
        @media (max-width: 640px) {
            .hero {
                padding: 120px 20px 60px;
            }
            
            .hero-cta {
                flex-direction: column;
            }
            
            .hero-cta .btn-primary,
            .hero-cta .btn-secondary {
                width: 100%;
                justify-content: center;
            }
            
            .section {
                padding: 60px 20px;
            }
            
            .section-title {
                font-size: 28px;
            }
            
            .tips-grid {
                grid-template-columns: 1fr;
            }
            
            .tools-preview-grid {
                grid-template-columns: 1fr;
            }
            
            .stats-grid {
                grid-template-columns: 1fr 1fr;
            }
            
            .cta-box h2 {
                font-size: 26px;
            }
        }
    </style>