:root{--ink:#0f2137;--ink2:#314b63;--muted:#6c8094;--line:#dbe6ef;--soft:#f5f9fc;--blue:#1167d8;--blue2:#0b4ea7;--green:#0a7c5b;--white:#fff;--shadow:0 24px 70px rgba(15,33,55,.12)}
*{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;color:var(--ink);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button,input,select{font:inherit}.container{width:min(1180px,calc(100% - 40px));margin:auto}
header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.92);backdrop-filter:blur(18px);border-bottom:1px solid rgba(219,230,239,.95)}.nav{height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:10px;font-weight:900;letter-spacing:-.03em}.logo{width:36px;height:36px;border-radius:11px;display:grid;place-items:center;background:var(--blue);color:#fff;font-weight:950}.navlinks{display:flex;gap:23px;align-items:center;color:var(--ink2);font-weight:700;font-size:.93rem}.navlinks a:hover{color:var(--blue)}.navcta{padding:10px 15px;border-radius:12px;background:var(--ink);color:#fff!important}.menu{display:none;border:0;background:transparent;font-size:1.5rem}
.hero{padding:30px 0 64px;background:radial-gradient(circle at 84% 8%,rgba(17,103,216,.12),transparent 29%),radial-gradient(circle at 12% -4%,rgba(10,124,91,.08),transparent 26%),linear-gradient(180deg,#fbfdff 0%,#f3f8fd 100%);border-bottom:1px solid var(--line)}.crumbs{font-size:.78rem;color:#73879a;padding-top:6px}.crumbs a{color:#45627d}.crumbs span{margin:0 8px;color:#9eb0bf}.hero-grid{display:grid;grid-template-columns:1.06fr .94fr;gap:54px;align-items:start;margin-top:20px}.eyebrow{display:inline-flex;align-items:center;gap:8px;color:#0d5dbc;font-size:.76rem;font-weight:900;text-transform:uppercase;letter-spacing:.1em}.eyebrow:before{content:"";width:9px;height:9px;border-radius:50%;background:#23a47c;box-shadow:0 0 0 5px rgba(35,164,124,.12)}h1{font-size:clamp(2.7rem,5.5vw,4.95rem);line-height:.98;letter-spacing:-.06em;margin:16px 0 18px}.accent{color:var(--blue)}.hero-lead{font-size:1.09rem;color:#566b7f;margin:0 0 22px;max-width:720px}.chips{display:flex;gap:10px;flex-wrap:wrap;margin:0 0 24px}.chip{padding:8px 12px;border-radius:999px;background:#fff;border:1px solid #d8e5f1;color:#4d677f;font-size:.77rem;font-weight:800;box-shadow:0 8px 24px rgba(15,33,55,.04)}.actions{display:flex;gap:12px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:13px;padding:13px 18px;font-weight:850;cursor:pointer;transition:.18s}.primary{background:var(--blue);color:#fff;box-shadow:0 10px 24px rgba(17,103,216,.2)}.primary:hover{background:var(--blue2);transform:translateY(-1px)}.secondary{background:#fff;border:1px solid #d4e0ea;color:var(--ink)}
.mini-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:28px}.mini{background:rgba(255,255,255,.86);backdrop-filter:blur(12px);border:1px solid #dbe5ee;border-radius:18px;padding:16px;box-shadow:0 14px 30px rgba(15,33,55,.05)}.mini small{display:block;color:#7a8c9d;font-size:.71rem;font-weight:900;text-transform:uppercase;letter-spacing:.08em}.mini strong{display:block;font-size:1.45rem;letter-spacing:-.04em;margin:4px 0 2px}.mini span{color:#5d7388;font-size:.8rem}
.calc{background:rgba(255,255,255,.95);border:1px solid #dce6ef;border-radius:26px;padding:24px;box-shadow:var(--shadow)}.calc-head{display:flex;justify-content:space-between;gap:16px;margin-bottom:16px}.label{color:var(--blue);text-transform:uppercase;letter-spacing:.11em;font-weight:900;font-size:.68rem}.calc h2{font-size:1.5rem;letter-spacing:-.03em;margin:3px 0 0}.beta{font-size:.68rem;font-weight:850;color:#096b50;background:#e9f9f3;border:1px solid #bdebdc;border-radius:999px;padding:5px 9px;height:max-content}.field{display:block;margin-bottom:14px}.field>span{display:block;font-size:.86rem;font-weight:800;margin-bottom:6px}.field small{display:block;color:#7c8c9b;font-size:.7rem;line-height:1.45;margin-top:6px}input,select{width:100%;border:1px solid #ccd8e4;border-radius:12px;background:#fff;color:var(--ink);padding:12px;outline:none}input:focus,select:focus{border-color:#69a8ef;box-shadow:0 0 0 4px rgba(17,103,216,.09)}.inputunit{position:relative}.inputunit input{padding-right:70px}.inputunit b{position:absolute;right:13px;top:50%;transform:translateY(-50%);font-size:.8rem;color:#76889a}.full{width:100%;margin-top:4px}.result{margin-top:17px;background:linear-gradient(135deg,#f8fbff,#f7fcf9);border:1px solid #d8e6f2;border-radius:18px;padding:18px}.result small{display:block;text-transform:uppercase;letter-spacing:.1em;color:#6a7d90;font-weight:900;font-size:.62rem}.price{font-size:2rem;font-weight:950;letter-spacing:-.04em;margin:2px 0}.meta{font-size:.75rem;color:#64788c}.note{margin-top:11px;padding-top:11px;border-top:1px solid #dce7ef;color:#677b8d;font-size:.72rem;line-height:1.5}
.band{background:#fff;border-bottom:1px solid var(--line)}.band-grid{display:grid;grid-template-columns:repeat(4,1fr)}.band-item{padding:22px 18px;border-right:1px solid var(--line)}.band-item:last-child{border-right:0}.band-item small{display:block;color:#75889a;font-size:.71rem;text-transform:uppercase;font-weight:900;letter-spacing:.06em}.band-item strong{display:block;font-size:1rem;margin-top:3px}.band-item span{display:block;color:#62788d;font-size:.79rem;margin-top:5px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 285px;gap:54px;padding:74px 0}.section-card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:26px 26px 10px;box-shadow:0 14px 40px rgba(15,33,55,.04);margin-bottom:22px}article h2{font-size:clamp(1.85rem,3vw,2.55rem);line-height:1.1;letter-spacing:-.04em;margin:0 0 14px}article h3{font-size:1.18rem;letter-spacing:-.02em;margin:28px 0 8px}article p{color:#536a80;margin:0 0 17px}article ul{color:#536a80;padding-left:21px;margin:0 0 20px}article li{margin-bottom:8px}article a{color:#0d5dbc;font-weight:760}.keytake{background:#eef6ff;border:1px solid #cfe3f6;border-radius:18px;padding:18px 20px;margin:0 0 22px}.keytake b{display:block;color:#0c5dbf;margin-bottom:6px}.keytake p{margin:0;color:#425d76}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:18px;margin:18px 0 12px}table{width:100%;border-collapse:collapse;min-width:650px;background:#fff}th,td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);font-size:.87rem}th{background:#f4f8fb;color:#314b64;font-size:.75rem;text-transform:uppercase;letter-spacing:.05em}tr:last-child td{border-bottom:0}.caption{font-size:.73rem;color:#7a8c9e;margin-bottom:24px}.cards,.link-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.card,.link-card{border:1px solid var(--line);border-radius:16px;padding:16px;background:#fff}.card h3,.link-card h3{margin:0 0 5px;font-size:1rem}.card p,.link-card p{margin:0;color:#5e7387;font-size:.84rem}.warning{border:1px solid #f0d39c;background:#fff7e8;border-radius:15px;padding:18px 20px;margin:18px 0}.warning b{color:#a75b00;display:block;margin-bottom:5px}.warning p{margin:0;color:#73562d;font-size:.9rem}
.faq details{border-top:1px solid var(--line);padding:18px 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;list-style:none;font-weight:850;padding-right:28px;position:relative}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";position:absolute;right:4px;top:-3px;font-size:1.35rem;color:var(--blue)}.faq details[open] summary:after{content:"–"}.faq p{font-size:.9rem;margin:12px 0 0}.sources{background:#f4f8fb;border:1px solid var(--line);border-radius:18px;padding:21px;margin-top:28px}.sources h3{margin:0 0 8px;font-size:1.03rem}.sources a{display:block;color:#0d5dbc;font-weight:760;font-size:.81rem;padding:5px 0}
.sidebar .sidecard{position:sticky;top:100px;border:1px solid var(--line);border-radius:18px;padding:20px;background:#fff}.sidecard b{font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:#60778c}.toc{list-style:none;padding:0;margin:12px 0 0}.toc li{margin:0}.toc a{display:block;padding:8px 0;border-bottom:1px solid #edf1f4;color:#4f687f;font-size:.83rem}.toc a:hover{color:var(--blue)}.toc li:last-child a{border-bottom:0}.side-cta{margin-top:16px;background:linear-gradient(135deg,#102b47,#0c2138);color:#fff;border-radius:16px;padding:16px}.side-cta strong{display:block;font-size:1.03rem;margin-bottom:5px}.side-cta p{font-size:.78rem;color:#b8c9d7;margin:0 0 12px}.side-cta a{display:block;text-align:center;background:#fff;color:#102238;border-radius:10px;padding:9px;font-weight:850;font-size:.8rem}
.bottom-cta{padding:0 0 84px}.cta{display:flex;align-items:center;justify-content:space-between;gap:34px;background:linear-gradient(135deg,#0d3153,#0b223a);border-radius:26px;padding:42px;color:#fff}.cta h2{font-size:clamp(1.8rem,3.5vw,2.8rem);line-height:1.08;letter-spacing:-.04em;margin:7px 0 10px}.cta p{color:#bfd0de;margin:0}.lightbtn{background:#fff;color:var(--ink);white-space:nowrap}
footer{background:#091a2b;color:#dce6ee;padding:50px 0 27px}.footer-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px}.footer-grid p,.fine{color:#91a5b7;font-size:.82rem}.footer-links{display:flex;flex-wrap:wrap;gap:10px 16px;margin-top:16px;color:#a9bccb;font-size:.78rem}.footer-bottom{display:flex;justify-content:space-between;gap:20px;color:#7890a3;font-size:.74rem;border-top:1px solid rgba(255,255,255,.1);padding-top:22px;margin-top:28px}
@media(max-width:980px){.hero-grid{grid-template-columns:1fr}.layout{grid-template-columns:1fr}.sidebar{display:none}.mini-grid,.cards,.link-grid,.band-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:760px){.container{width:min(100% - 28px,1180px)}.nav{height:68px}.menu{display:block}.navlinks{display:none;position:absolute;left:14px;right:14px;top:74px;flex-direction:column;align-items:stretch;gap:0;padding:12px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow)}.navlinks.open{display:flex}.navlinks a{padding:11px 10px}.navcta{text-align:center;margin-top:5px}h1{font-size:clamp(2.35rem,12vw,4rem)}.layout{padding:56px 0}.mini-grid,.cards,.link-grid,.band-grid{grid-template-columns:1fr}.cta{flex-direction:column;align-items:flex-start;padding:31px 23px}.footer-grid{grid-template-columns:1fr;gap:27px}.footer-bottom{flex-direction:column}}