:root{--bg:#f6f8fb;--surface:#ffffff;--text:#0f172a;--muted:#51607a;--border:#e3e9f2;--primary:#0369a1;--primary-dark:#075985;--accent:#38bdf8;--dark:#0f172a;--radius:14px;--maxw:1120px;--shadow:0 1px 2px rgba(15,23,42,0.05),0 8px 28px rgba(15,23,42,0.07)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.7;-webkit-font-smoothing:antialiased}a{color:var(--primary)}a:hover{color:var(--primary-dark)}.container{max-width:var(--maxw);margin:0 auto;padding:0 22px}.site-header{background:rgba(15,23,42,.97);color:#fff;position:-webkit-sticky;position:sticky;top:0;z-index:50;box-shadow:0 1px 0 rgba(255,255,255,.06),0 4px 18px rgba(2,6,23,.35)}.site-header .container{gap:30px;height:62px}.logo,.site-header .container{display:flex;align-items:center}.logo{gap:9px;font-size:1.35rem;font-weight:800;color:#fff;text-decoration:none;letter-spacing:-.5px}.logo span{color:var(--accent)}.logo svg{display:block}.site-nav{display:flex;gap:4px;flex-wrap:wrap;margin-left:auto}.site-nav a{color:#cbd5e1;text-decoration:none;font-size:.94rem;font-weight:500;padding:7px 13px;border-radius:8px;transition:background .15s,color .15s}.site-nav a:hover{color:#fff;background:rgba(56,189,248,.14)}.hero{background:radial-gradient(900px 420px at 85% -10%,rgba(56,189,248,.22),transparent 60%),radial-gradient(700px 380px at 5% 110%,rgba(14,165,233,.14),transparent 55%),linear-gradient(150deg,#0f172a 30%,#16304e);color:#fff;padding:64px 0 60px;overflow:hidden}.hero .container{display:grid;grid-template-columns:1.1fr .9fr;grid-gap:48px;gap:48px;align-items:center}.hero h1{font-size:2.55rem;line-height:1.18;margin:0 0 16px;letter-spacing:-1px}.hero h1 em{font-style:normal;color:var(--accent)}.hero p{color:#c7d4e8;font-size:1.12rem;margin:0 0 28px;max-width:560px}.hero-art{width:100%;height:auto;filter:drop-shadow(0 18px 40px rgba(2,6,23,.5))}.hero-ctas{display:flex;gap:14px;flex-wrap:wrap}.btn-ghost,.btn-primary{display:inline-flex;align-items:center;gap:9px;padding:13px 22px;border-radius:11px;font-weight:700;font-size:1rem;text-decoration:none;transition:transform .15s,box-shadow .15s,background .15s}.btn-primary{background:var(--accent);color:#082f49!important;box-shadow:0 8px 24px rgba(56,189,248,.35)}.btn-primary:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(56,189,248,.45)}.btn-ghost{color:#e2e8f0!important;border:1px solid rgba(226,232,240,.35)}.btn-ghost:hover{background:rgba(226,232,240,.1)}.trust-band{background:var(--dark);border-top:1px solid rgba(148,163,184,.15)}.trust-band .container{display:flex;gap:18px;flex-wrap:wrap;justify-content:space-between;padding-top:16px;padding-bottom:16px}.trust-item{display:flex;align-items:center;gap:10px;color:#b7c5da;font-size:.92rem;font-weight:500}.trust-item svg{color:var(--accent);flex-shrink:0}main{padding:44px 0 64px}.section-title{font-size:1.65rem;letter-spacing:-.5px;margin:38px 0 6px}.section-sub{color:var(--muted);margin:0 0 22px}.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));grid-gap:20px;gap:20px;margin:26px 0}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:26px;text-decoration:none;color:var(--text);display:block;box-shadow:0 1px 2px rgba(15,23,42,.04);transition:box-shadow .18s,transform .18s,border-color .18s}.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:#c8d6ea;color:var(--text)}.card h2,.card h3{margin:0 0 8px;font-size:1.18rem;color:var(--text);letter-spacing:-.3px}.card p{margin:0;color:var(--muted);font-size:.96rem}.card-icon{width:52px;height:52px;border-radius:13px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;color:#fff}.card-icon.sky{background:linear-gradient(135deg,#0ea5e9,#0369a1)}.card-icon.green{background:linear-gradient(135deg,#10b981,#047857)}.card-icon.violet{background:linear-gradient(135deg,#8b5cf6,#6d28d9)}.card-arrow{display:inline-flex;align-items:center;gap:7px;margin-top:16px;color:var(--primary);font-weight:700;font-size:.92rem}.guide-card{padding:0;overflow:hidden}.guide-card .guide-body{padding:20px 22px 22px}.guide-thumb{height:132px;position:relative;display:flex;align-items:center;justify-content:center;overflow:hidden}.guide-thumb img{width:100%;height:100%;object-fit:cover;display:block}.article-hero{width:100%;height:auto;aspect-ratio:3/2;object-fit:cover;border-radius:var(--radius);margin-bottom:28px;box-shadow:var(--shadow)}.tools-block{margin-top:48px;padding-top:8px;border-top:2px solid var(--border)}.tools-block h2{border-bottom:0!important}.guide-thumb .thumb-icon{color:rgba(255,255,255,.95);position:relative}.thumb-road{position:absolute;inset:auto 0 0 0;width:100%;height:60px}.calculator{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:30px;margin:30px 0;box-shadow:var(--shadow)}.calculator h2{margin-top:0;letter-spacing:-.4px}.calc-grid{display:grid;grid-gap:18px;gap:18px;max-width:500px}.calc-grid label{display:flex;flex-direction:column;gap:7px;font-weight:600;font-size:.93rem}.calc-grid input[type=number],.calc-grid select{padding:12px 14px;border:1.5px solid var(--border);border-radius:10px;font-size:1.02rem;background:#fff;color:var(--text);transition:border-color .15s,box-shadow .15s}.calc-grid input:focus,.calc-grid select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(56,189,248,.18)}.calc-check{flex-direction:row!important;align-items:center;gap:11px!important}.calc-check input{width:18px;height:18px;accent-color:var(--primary)}.calc-result{margin-top:24px;padding:22px;background:linear-gradient(135deg,#f0f9ff,#e0f2fe);border:1px solid #bae6fd;border-radius:12px}.calc-total{font-size:1.35rem;margin:0 0 8px}.calc-total strong{color:var(--primary-dark);font-size:1.55rem}.calc-total.ok{color:#15803d;font-size:1.05rem}.calc-result ul{margin:10px 0}.calc-note{font-size:.85rem;color:var(--muted);margin-bottom:0}.page-head{display:flex;align-items:flex-start;gap:18px}.page-head .card-icon{flex-shrink:0;margin-bottom:0;margin-top:6px}.page-title{font-size:2.05rem;margin:0 0 10px;letter-spacing:-.8px;line-height:1.2}.page-intro{color:var(--muted);font-size:1.08rem;max-width:740px;margin-top:0}table{border-collapse:separate;border-spacing:0;width:100%;margin:18px 0;background:var(--surface);font-size:.95rem;border:1px solid var(--border);border-radius:12px;overflow:hidden}td,th{border-bottom:1px solid var(--border);padding:11px 15px;text-align:left}th{background:#f1f5fb;font-size:.85rem;text-transform:uppercase;letter-spacing:.4px;color:var(--muted)}tbody tr:last-child td{border-bottom:0}tbody tr:hover{background:#f8fafd}details{margin:18px 0}details summary{cursor:pointer;font-weight:700;color:var(--primary);padding:12px 16px;background:#f0f9ff;border:1px solid #bae6fd;border-radius:10px}details[open] summary{border-radius:10px 10px 0 0}.article{max-width:780px}.article h2{margin-top:42px;letter-spacing:-.4px;font-size:1.5rem;padding-bottom:8px;border-bottom:2px solid var(--border)}.article h3{margin-top:26px;font-size:1.15rem}.article img{max-width:100%;border-radius:12px}.article li{margin-bottom:6px}.article blockquote{border-left:3px solid var(--accent);margin-left:0;padding-left:18px;color:var(--muted)}.article-banner{height:168px;border-radius:var(--radius);margin-bottom:28px;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden}.article-banner .guide-thumb{position:absolute;inset:0;height:100%;border-radius:var(--radius)}.article-meta{color:var(--muted);font-size:.9rem;margin-bottom:26px;display:flex;gap:14px;align-items:center}.article-meta .chip{background:#e0f2fe;color:var(--primary-dark);padding:3px 12px;border-radius:99px;font-weight:700;font-size:.78rem;text-transform:uppercase;letter-spacing:.5px}.notice{background:#fffbeb;border:1px solid #fde68a;border-radius:10px;padding:13px 17px;font-size:.92rem;color:#78350f}.breadcrumb{font-size:.86rem;margin:0 0 18px}.breadcrumb,.breadcrumb a{color:var(--muted)}.region-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));grid-gap:12px;gap:12px;margin:22px 0}.region-grid a{display:flex;align-items:center;gap:9px;background:var(--surface);border:1px solid var(--border);border-radius:10px;padding:12px 15px;text-decoration:none;font-size:.93rem;font-weight:500;transition:border-color .15s,box-shadow .15s}.region-grid a:hover{border-color:#b8cce4;box-shadow:0 4px 14px rgba(15,23,42,.07)}.region-grid svg{color:var(--primary);flex-shrink:0}.site-footer{background:linear-gradient(180deg,#0f172a,#0b1222);color:#8fa1bb;padding:48px 0 34px;font-size:.9rem;margin-top:48px}.site-footer a{color:#c3d0e2;text-decoration:none}.site-footer a:hover{color:#fff}.site-footer .cols{display:grid;grid-template-columns:1.3fr 1fr 1.1fr 1fr .9fr;grid-gap:30px;gap:30px;margin-bottom:30px}.site-footer h4{color:#fff;margin:0 0 13px;font-size:.95rem}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:8px}.footer-brand p{margin:10px 0 0;max-width:280px}.footer-legal{border-top:1px solid rgba(148,163,184,.15);padding-top:20px;font-size:.82rem}@media (max-width:880px){.hero .container{grid-template-columns:1fr;gap:30px}.hero h1{font-size:1.9rem}.site-footer .cols{grid-template-columns:1fr 1fr}}@media (max-width:640px){.page-title{font-size:1.5rem}.site-header .container{height:auto;padding-top:10px;padding-bottom:10px;flex-wrap:wrap;gap:8px}.site-nav{margin-left:0}.page-head{flex-direction:column;gap:10px}.site-footer .cols{grid-template-columns:1fr}}