:root{--ink:#10253f;--muted:#526274;--line:#d7e0e8;--bg:#f4f7fa;--card:#fff;--brand:#003f70;--accent:#0d6b4d;--warn:#fff7df;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg);line-height:1.58}.wrap{width:min(var(--max),calc(100% - 32px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:12px;background:#fff;padding:10px;z-index:99}.site-header{background:#fff;border-bottom:1px solid var(--line)}.topbar{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:20px 0}.brand{color:var(--brand);text-decoration:none;display:flex;flex-direction:column}.brand strong{font-size:1.65rem;letter-spacing:.03em}.brand span{font-size:.92rem;color:var(--muted)}.nav{border-top:1px solid var(--line)}.nav-inner{display:flex;gap:4px;flex-wrap:wrap}.nav a{padding:12px 14px;color:var(--ink);text-decoration:none;font-weight:700}.nav a:hover,.nav a:focus{background:#edf4f8}.button{display:inline-block;background:var(--brand);color:#fff!important;text-decoration:none;font-weight:700;padding:13px 20px;border-radius:7px;border:0;cursor:pointer}.button.secondary{background:var(--accent)}.button.small{padding:10px 15px}.hero{background:linear-gradient(135deg,#e9f2f8,#fff);padding:58px 0;border-bottom:1px solid var(--line)}.eyebrow{font-weight:700;color:var(--accent);text-transform:uppercase;letter-spacing:.07em;font-size:.82rem}.hero h1{font-size:clamp(2rem,5vw,3.45rem);line-height:1.08;max-width:900px;margin:.25em 0}.lead{font-size:1.18rem;color:var(--muted);max-width:850px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.section{padding:48px 0}.section.white{background:#fff}.section h2{font-size:clamp(1.55rem,3vw,2.2rem);margin-top:0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid.two{grid-template-columns:repeat(2,1fr)}.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:23px;box-shadow:0 3px 14px rgba(16,37,63,.05)}.card h3{margin-top:0}.card a{color:var(--brand);font-weight:700}.checklist{padding-left:1.2rem}.checklist li{margin:.55rem 0}.facts{display:grid;grid-template-columns:220px 1fr;gap:0;border:1px solid var(--line);border-radius:10px;overflow:hidden;background:#fff}.facts dt,.facts dd{margin:0;padding:13px 16px;border-bottom:1px solid var(--line)}.facts dt{font-weight:700;background:#eef4f8}.facts dt:last-of-type,.facts dd:last-of-type{border-bottom:0}.notice{background:var(--warn);border-left:5px solid #d79b00;padding:18px 20px;border-radius:6px}.table-wrap{overflow-x:auto;background:#fff;border:1px solid var(--line);border-radius:10px}table{width:100%;border-collapse:collapse}th,td{text-align:left;padding:13px 14px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#eaf2f7}.calculator{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.field{display:flex;flex-direction:column;gap:7px}.field label{font-weight:700}.field input,.field select{font:inherit;padding:12px;border:1px solid #9eabb7;border-radius:6px;background:#fff}.result{font-size:1.35rem;font-weight:700;background:#eaf7f1;border:1px solid #acd6c5;padding:20px;border-radius:8px}.faq details{background:#fff;border:1px solid var(--line);border-radius:8px;padding:14px 17px;margin:10px 0}.faq summary{font-weight:700;cursor:pointer}.site-footer{background:#10253f;color:#e9f0f5;padding:34px 0}.site-footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:2fr 1fr;gap:24px}.legal{margin-top:20px;color:#c9d5de;font-size:.9rem}.breadcrumb{font-size:.9rem;color:var(--muted);margin-bottom:18px}.breadcrumb a{color:var(--brand)}.score{font-size:2rem;font-weight:800;color:var(--brand)}
@media(max-width:800px){.grid,.grid.two,.calculator{grid-template-columns:1fr}.facts{grid-template-columns:1fr}.facts dt{border-bottom:0}.topbar{align-items:flex-start}.footer-grid{grid-template-columns:1fr}.nav-inner{display:grid;grid-template-columns:repeat(2,1fr)}.nav a{padding:10px}.hero{padding:40px 0}}