:root{--ink:#1d2a33;--muted:#5b6b75;--accent:#1f5fa8;--accent2:#eaf1fa;--line:#d8e0e4}
*{box-sizing:border-box}body{margin:0;font:17px/1.6 system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:#fff}
.wrap{max-width:860px;margin:0 auto;padding:0 18px}a{color:var(--accent)}
header.top{border-bottom:1px solid var(--line);background:#fafcfb}header.top .wrap{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:8px;padding:10px 18px}
.brand{font-weight:700;text-decoration:none;color:var(--ink);font-size:1.1em}nav a{margin-left:14px;text-decoration:none}
h1{font-size:1.9em;line-height:1.25;margin:28px 0 10px}h2{margin-top:30px}.lead{font-size:1.12em;color:var(--muted)}.small{font-size:.88em;color:var(--muted)}
.btn{display:inline-block;background:var(--accent);color:#fff;padding:11px 18px;border-radius:8px;text-decoration:none;font-weight:600;border:0;cursor:pointer;font-size:1em;margin:4px 6px 4px 0}
.btn.ghost{background:#fff;color:var(--accent);border:2px solid var(--accent)}.btn.small{padding:6px 12px;font-size:.9em;color:#fff}.btn.big{font-size:1.15em;padding:14px 24px}
.hero{padding:10px 0 6px}.grid3{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin-top:20px}.grid3>div{background:var(--accent2);padding:14px 16px;border-radius:10px}
.buy{background:var(--accent2);border:2px solid var(--accent);border-radius:12px;padding:18px 20px;margin:30px 0;text-align:center}
details{border:1px solid var(--line);border-radius:8px;padding:10px 14px;margin:8px 0}summary{font-weight:600;cursor:pointer}
.cols{columns:2;column-gap:28px}@media(max-width:640px){.cols{columns:1}h1{font-size:1.55em}nav a{margin-left:8px}}
fieldset.q{border:1px solid var(--line);border-radius:10px;margin:12px 0;padding:12px 14px}legend{font-weight:600;padding:0 4px}
fieldset.q label{display:inline-block;margin:6px 16px 0 0}.tip{background:#fff8e6;border-left:4px solid #e0a800;padding:8px 12px;margin-top:10px;border-radius:4px}
.result{background:var(--accent2);border-radius:12px;padding:6px 18px 14px;margin:20px 0}
.cta{background:var(--accent2);border-radius:12px;padding:12px 18px;margin:30px 0}.crumbs{font-size:.9em;margin-top:18px}
table{border-collapse:collapse;width:100%;margin:12px 0;font-size:.95em}th,td{border:1px solid var(--line);padding:6px 8px;text-align:left}
ul.guides li{margin-bottom:12px}footer{border-top:1px solid var(--line);margin-top:40px;padding:14px 0;font-size:.9em;color:var(--muted);background:#fafcfb}
.calc input[type=text],.calc input[type=date]{font:inherit;padding:8px 10px;border:1px solid var(--line);border-radius:6px;width:100%;max-width:320px;margin-top:4px}
.calc fieldset.q p{margin:8px 0}.result h2{margin-top:14px}.tool{background:#fff8e6;border-left:4px solid #e0a800;padding:8px 12px;border-radius:4px}