*{box-sizing:border-box}body{margin:0;font-family:-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;color:#14202e;background:#fff;line-height:1.6}
a{color:#0b5fff}.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{border-bottom:1px solid #e6ebf0;position:sticky;top:0;background:#fff;z-index:5}
.nav{display:flex;justify-content:space-between;align-items:center;padding:14px 0}.logo{font-weight:800;font-size:20px;color:#14202e;text-decoration:none}.logo span{color:#0b5fff}
.nav nav a{margin-left:18px;color:#33475c;text-decoration:none;font-size:15px}
.hero{padding:56px 0 36px;background:linear-gradient(180deg,#f2f7ff,#fff)}
h1{font-size:40px;line-height:1.15;margin:0 0 14px}h2{font-size:28px;margin:34px 0 10px}h3{margin:0 0 6px}
.sub{font-size:19px;color:#47596b;max-width:720px}
.btn{display:inline-block;background:#0b5fff;color:#fff!important;padding:12px 22px;border-radius:10px;text-decoration:none;font-weight:700;border:0;cursor:pointer}
.btn.alt{background:#eef3fb;color:#14202e!important}.cta-row{margin:22px 0}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:26px 0}@media(max-width:760px){.grid{grid-template-columns:1fr}h1{font-size:31px}}
.card{border:1px solid #e0e7ef;border-radius:14px;padding:22px}.card .pay{display:inline-block;background:#e7f7ee;color:#0a6b38;font-weight:800;border-radius:999px;padding:3px 11px;font-size:13px;margin-bottom:10px}
.card .pay.blue{background:#e8f0fe;color:#0b4fc0}
table{width:100%;border-collapse:collapse;margin:16px 0}th,td{border:1px solid #e0e7ef;padding:10px;text-align:left;vertical-align:top}th{background:#f6f9fc}
.pick{background:#f2fbf5;border-color:#bfe6cd}
.calc{background:#f6f9fc;border:1px solid #e0e7ef;border-radius:14px;padding:22px;margin:20px 0}
.calc label{display:block;font-weight:600;margin:12px 0 4px}.calc input{width:100%;padding:10px;border:1px solid #c6d2df;border-radius:8px;font-size:16px}
.result{font-size:22px;font-weight:800;margin:16px 0}.note{color:#5b6d7f;font-size:14px}
footer{border-top:1px solid #e6ebf0;margin-top:50px;padding:26px 0;color:#5b6d7f;font-size:14px}
.faq dt{font-weight:700;margin-top:16px}.verdict{border-left:4px solid #0b5fff;background:#f2f7ff;padding:14px 18px;border-radius:0 10px 10px 0;margin:18px 0}