:root{--bg:#f7f9fc;--surface:#fff;--surface-2:#eef5fb;--ink:#132238;--muted:#607086;--primary:#123c69;--primary-2:#0e7490;--success:#15803d;--warn:#b45309;--danger:#b91c1c;--line:#d8e1ea;--focus:#f59e0b;--shadow:0 18px 50px rgba(19,34,56,.10);--radius:18px;--radius-sm:12px;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;background:linear-gradient(180deg,#f3f8fc 0%,var(--bg) 45%,#fff 100%);color:var(--ink);line-height:1.5}a{color:inherit}button,input,select{font:inherit}:focus-visible{outline:3px solid var(--focus);outline-offset:3px}.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}.topbar{position:sticky;top:0;z-index:20;background:rgba(247,249,252,.9);backdrop-filter:blur(14px);border-bottom:1px solid rgba(216,225,234,.8)}.nav{min-height:70px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:12px;font-weight:800;letter-spacing:-.02em;text-decoration:none}.mark{width:38px;height:38px;border-radius:12px;background:var(--primary);display:grid;place-items:center;color:#fff;font-weight:900;box-shadow:0 10px 24px rgba(18,60,105,.25)}.navlinks{display:flex;gap:16px;align-items:center;color:var(--muted);font-size:14px;flex-wrap:wrap}.navlinks a{text-decoration:none;color:inherit}.navlinks a:hover,.navlinks a.active,.navlinks a[aria-current="page"]{color:var(--primary)}.navlinks a.active,.navlinks a[aria-current="page"]{font-weight:850}.small-cta{background:var(--ink);color:#fff!important;text-decoration:none;padding:10px 14px;border-radius:999px;font-weight:700;font-size:14px}.hero{padding:64px 0 30px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.04fr) minmax(320px,.7fr);gap:36px;align-items:center}.hero-grid>*{min-width:0}.eyebrow{display:inline-flex;gap:8px;align-items:center;border:1px solid var(--line);border-radius:999px;padding:7px 12px;background:#fff;color:var(--primary);font-weight:800;font-size:13px}.hero h1{font-size:clamp(40px,7vw,72px);line-height:.96;letter-spacing:-.06em;margin:22px 0 16px}.lead{font-size:20px;color:#415166;max-width:760px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.btn{border:0;border-radius:14px;padding:13px 18px;font-weight:850;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;gap:8px}.btn-primary{background:var(--primary);color:#fff;box-shadow:0 12px 30px rgba(18,60,105,.24)}.btn-secondary{background:#fff;color:var(--primary);border:1px solid var(--line)}.trust{margin-top:24px}.trust-summary{max-width:760px;color:#43546b;font-weight:750;font-size:15px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:12px 14px}.chip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 12px;color:#43546b;font-weight:750;text-align:center;font-size:14px}.hero-card,.panel,.form-card,.result{background:var(--surface);border:1px solid var(--line);border-radius:24px;padding:22px;box-shadow:var(--shadow)}.hero-card .big,.total{font-size:42px;line-height:1;font-weight:950;color:var(--success);letter-spacing:-.05em;margin:8px 0 16px}.label{color:var(--muted);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:12px}section{padding:42px 0}.section-title{font-size:34px;line-height:1.1;letter-spacing:-.04em;margin:0 0 10px}.section-sub{color:var(--muted);margin:0 0 22px;max-width:820px}.calc-shell{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(330px,.75fr);gap:22px;align-items:start}.calc-shell>*{min-width:0}.tabs{display:flex;gap:8px;background:#e8f0f7;padding:6px;border-radius:16px;margin-bottom:18px}.tab{flex:1;border:0;background:transparent;border-radius:12px;padding:12px;font-weight:850;color:#516174;cursor:pointer}.tab.active{background:#fff;color:var(--primary);box-shadow:0 4px 14px rgba(19,34,56,.08)}.tab-panel[hidden]{display:none}.form-section{border:1px solid var(--line);border-radius:18px;padding:18px;margin:14px 0;background:#fff}.form-section h3{margin:0 0 4px}.help{color:var(--muted);font-size:14px;margin:0 0 14px}.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:14px;align-items:start}.field{display:grid;gap:6px;align-content:start}.field label{font-weight:800;font-size:14px;display:block;line-height:1.35}.field input,.field select{width:100%;padding:13px 12px;border:1px solid #cdd8e5;border-radius:12px;background:#fff;color:var(--ink);height:48px;min-height:48px;line-height:1.2}.field small{display:block;color:var(--muted);line-height:1.35}.radio-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.radio-card{border:1px solid var(--line);border-radius:14px;padding:14px;background:#fff;cursor:pointer}.radio-card.selected{border-color:var(--primary);background:#eef6ff;box-shadow:inset 0 0 0 1px var(--primary)}.radio-card input{display:none}.radio-card b{display:block}.radio-card span{color:var(--muted);font-size:13px}.advanced{background:#f8fbfe;border-style:dashed}.result{position:sticky;top:92px}.metrics{display:grid;grid-template-columns:1fr 1fr;gap:10px}.metric{background:var(--surface-2);border-radius:14px;padding:12px}.metric span{display:block;color:var(--muted);font-size:12px;font-weight:800}.metric b{font-size:18px}.notice{margin-top:14px;border-left:4px solid var(--warn);background:#fff7ed;padding:12px;border-radius:12px;color:#7c2d12;font-size:14px}details{border-top:1px solid var(--line);padding:12px 0}summary{cursor:pointer;font-weight:850}.detail-row{display:flex;justify-content:space-between;color:var(--muted);font-size:14px;margin-top:8px;gap:14px}.detail-row strong{color:var(--ink)}.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.mini-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px}.mini-card b{font-size:22px;display:block}.mini-card span{color:var(--muted);font-weight:800;font-size:12px;text-transform:uppercase;letter-spacing:.06em}.compare{display:grid;grid-template-columns:1fr 1fr;gap:18px}.panel ul{padding-left:20px;margin:0;color:#40526a}.panel li{margin:9px 0}.tag{display:inline-block;font-size:12px;font-weight:900;letter-spacing:.04em;text-transform:uppercase;border-radius:999px;padding:5px 9px;margin-bottom:12px;background:#eef2f7;color:#475569}.source-list a{color:var(--primary);font-weight:750}.faq{display:grid;grid-template-columns:.65fr 1fr;gap:22px}.footer{padding:34px 0;color:var(--muted);border-top:1px solid var(--line);font-size:14px}.page-title{padding:46px 0 12px}.page-title h1{font-size:clamp(36px,6vw,58px);line-height:1;letter-spacing:-.055em;margin:12px 0}.link-card{text-decoration:none;display:block}.link-card:hover{border-color:var(--primary)}@media (max-width:900px){.topbar{position:static;backdrop-filter:none}.hero-grid,.calc-shell,.faq,.compare{grid-template-columns:1fr}.nav{min-height:64px}.navlinks{display:none}.trust{grid-template-columns:1fr 1fr}.result{position:relative;top:auto}.grid-2,.radio-grid,.cards-3{grid-template-columns:1fr}.hero{padding-top:32px}}.check-card{display:flex;align-items:flex-start;gap:12px;border:1px solid var(--line);border-radius:16px;background:#fff;padding:13px 14px;margin:10px 0 16px;cursor:pointer}.check-card input{width:20px;height:20px;margin-top:3px;accent-color:var(--primary)}.check-card b{display:block;color:var(--ink)}.check-card small{display:block;color:var(--muted);margin-top:3px;line-height:1.4}@media (max-width:420px){.wrap{padding:0 16px}.hero-card,.panel,.form-card,.result{padding:18px;border-radius:20px}.metrics{grid-template-columns:1fr}.hero-card .big,.total{font-size:36px}.section-title{font-size:30px}}