:root{--navy:#0a1628;--navy2:#10233d;--amber:#f5a623;--amber2:#ffb93e;--ink:#1a2433;--muted:#5b6b7f;--bg:#f7f9fc;--card:#fff;--line:#dde5ee;--radius:12px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:#0b5cad;text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(0,0,0,.25)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 20px;max-width:1080px;margin:0 auto;flex-wrap:wrap}
.logo{font-weight:800;font-size:24px;letter-spacing:1px;color:#fff}
.logo span{color:var(--amber)}
.logo:hover{text-decoration:none}
nav.main a{color:#cfdae8;margin-left:18px;font-size:15px;font-weight:600}
nav.main a:hover{color:var(--amber);text-decoration:none}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 60%,#173a5e 100%);color:#fff;padding:64px 0 56px}
.hero h1{font-size:40px;line-height:1.2;margin-bottom:16px;max-width:820px}
.hero h1 em{font-style:normal;color:var(--amber)}
.hero p.lead{font-size:19px;color:#d7e2ef;max-width:760px;margin-bottom:28px}
.cta{display:inline-block;background:var(--amber);color:#141414;font-weight:700;padding:13px 26px;border-radius:8px;margin-right:12px}
.cta:hover{background:var(--amber2);text-decoration:none}
.cta.ghost{background:transparent;border:2px solid #7f96b3;color:#fff}
.cta.ghost:hover{border-color:var(--amber);color:var(--amber)}
main{padding:40px 0 20px}
h1.page{font-size:34px;line-height:1.25;margin-bottom:14px;color:var(--navy)}
h2{font-size:26px;color:var(--navy);margin:34px 0 12px;line-height:1.3}
h3{font-size:20px;color:var(--navy2);margin:24px 0 8px}
p{margin-bottom:14px}
ul,ol{margin:0 0 14px 22px}
li{margin-bottom:6px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 1px 4px rgba(10,22,40,.05)}
.card h3{margin-top:0}
.card .tag{display:inline-block;background:#fdf0d5;color:#8a5d00;font-size:12px;font-weight:700;padding:3px 10px;border-radius:20px;margin-bottom:10px;text-transform:uppercase;letter-spacing:.5px}
table{border-collapse:collapse;width:100%;margin:16px 0;background:#fff}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;font-size:15px}
th{background:var(--navy);color:#fff}
.calc{background:#fff;border:2px solid var(--navy);border-radius:var(--radius);padding:26px;margin:24px 0}
.calc label{display:block;font-weight:600;margin:12px 0 4px;font-size:15px}
.calc input,.calc select{width:100%;max-width:340px;padding:10px 12px;border:1px solid #b9c6d6;border-radius:8px;font-size:16px}
.calc .result{margin-top:16px;background:#fdf6e3;border:1px solid var(--amber);border-radius:8px;padding:14px 16px;font-size:18px;font-weight:700;color:var(--navy);min-height:54px}
.calc .formula{font-size:14px;color:var(--muted);margin-top:8px}
.faq{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:6px 22px;margin:18px 0}
.faq h3{margin-top:18px}
.note{background:#eef4fb;border-left:4px solid #0b5cad;padding:14px 18px;border-radius:0 8px 8px 0;margin:18px 0}
.affiliate-slot{border:2px dashed var(--amber);background:#fffaf0;border-radius:var(--radius);padding:18px;margin:16px 0;text-align:center;color:var(--muted);font-size:14px}
.breadcrumb{font-size:14px;color:var(--muted);margin-bottom:10px}
.breadcrumb a{color:var(--muted)}
footer.site{background:var(--navy);color:#b9c8da;margin-top:50px;padding:38px 0 26px;font-size:15px}
footer.site a{color:#e8eef6}
footer.site .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px;max-width:1080px;margin:0 auto;padding:0 20px}
footer.site h4{color:#fff;margin-bottom:10px;font-size:16px}
footer.site ul{list-style:none;margin:0}
footer.site .fine{max-width:1080px;margin:24px auto 0;padding:16px 20px 0;border-top:1px solid #243b5c;font-size:13px;color:#8499b3}
form.contact input,form.contact textarea{width:100%;padding:11px 12px;border:1px solid #b9c6d6;border-radius:8px;margin:6px 0 14px;font-size:16px;font-family:inherit}
form.contact button{background:var(--amber);border:0;font-weight:700;padding:13px 28px;border-radius:8px;font-size:16px;cursor:pointer}
@media(max-width:640px){.hero h1{font-size:30px}h1.page{font-size:27px}nav.main a{margin-left:0;margin-right:14px}.nav{flex-direction:column;align-items:flex-start}}