:root{--bg:#f6f8f9;--card:#fff;--ink:#14212b;--muted:#566472;--line:#dfe5ea;--brand:#0b6e99;--brand2:#085678;--accent:#13836b;--warn:#9a3412;--chip:#e8f4fa}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand2)}a:hover{color:var(--brand)}
.wrap{max-width:1000px;margin:0 auto;padding:0 18px}
.disc-bar{background:#14212b;color:#d6e2ea;font-size:12.5px}.disc-bar .wrap{padding:5px 18px}
header.site{background:#fff;border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:60px;flex-wrap:wrap;padding-top:6px;padding-bottom:6px}
.logo{font-weight:800;font-size:20px;text-decoration:none;color:var(--ink);letter-spacing:-.3px}.logo span{color:var(--brand)}
nav.main{display:flex;gap:14px;flex-wrap:wrap;font-size:15px;align-items:center}nav.main a{text-decoration:none;color:var(--muted)}nav.main a:hover{color:var(--ink)}
nav.main a.nav-cta{background:var(--accent);color:#fff;padding:6px 12px;border-radius:8px;font-weight:650}
main{padding:22px 0 44px}
h1{font-size:clamp(27px,4.6vw,40px);line-height:1.15;margin:.2em 0 .4em;letter-spacing:-.5px}h2{font-size:22px;margin:1.7em 0 .5em}h3{font-size:17.5px;margin:1.2em 0 .3em}
.lead{font-size:18.5px;color:var(--muted);max-width:740px}
.hero{background:linear-gradient(135deg,#0b6e99 0%,#13836b 100%);color:#fff;border-radius:16px;padding:28px 24px;margin:6px 0 18px}
.hero h1{color:#fff}.hero .lead{color:#e3f2f8}.hero .btn{background:#fff;color:var(--brand2)!important}.hero .btn.alt{background:transparent;color:#fff!important;border:1px solid #cfe9f3}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:18px;margin:14px 0}
.grid{display:grid;gap:12px;grid-template-columns:repeat(auto-fill,minmax(230px,1fr))}
.tile{display:block;background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px;text-decoration:none;color:var(--ink)}
.tile:hover{border-color:var(--brand)}.tile small{display:block;color:var(--muted)}
.chip{display:inline-block;background:var(--chip);color:#0b4f6c;border:1px solid #bfe0ef;border-radius:999px;padding:1px 9px;font-size:13px;margin:2px 4px 2px 0}
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:10px;margin:12px 0}
.fact{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px}.fact b{display:block;font-size:23px;color:var(--brand2)}.fact span{color:var(--muted);font-size:13.5px}
.btns{display:flex;gap:10px;flex-wrap:wrap;margin:14px 0}
.btn{display:inline-block;background:var(--accent);color:#fff!important;text-decoration:none;border-radius:9px;padding:11px 18px;font-weight:650;border:0;font-size:15.5px;cursor:pointer}
.btn:hover{filter:brightness(.93)}.btn.alt{background:#fff;color:var(--brand2)!important;border:1px solid var(--brand)}
table{width:100%;border-collapse:collapse;background:#fff;font-size:14px}th,td{border-bottom:1px solid var(--line);padding:8px 7px;text-align:left;vertical-align:top}th{color:var(--muted);font-weight:600;background:#f8fafb}
td.num,th.num{text-align:right;white-space:nowrap}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:10px;margin:10px 0}
.note{border-left:4px solid #f59e0b;background:#fffbeb;padding:10px 13px;border-radius:6px;font-size:15px;margin:12px 0}
.ok{border-left:4px solid var(--accent);background:#ecfdf5;padding:10px 13px;border-radius:6px;margin:12px 0}
.bad{border-left:4px solid #b91c1c;background:#fef2f2;padding:10px 13px;border-radius:6px;margin:12px 0}
.src{font-size:13.5px;color:var(--muted);overflow-wrap:anywhere}.src li{margin:3px 0}
.cite{font-size:12px;text-decoration:none;vertical-align:super}
.listed{display:inline-block;background:#f1f5f9;border:1px solid var(--line);border-radius:6px;font-size:13px;padding:3px 8px;color:var(--muted)}
form label{display:block;font-weight:600;margin:12px 0 4px}form .hint{font-weight:400;color:var(--muted);font-size:14px}
form select,form input[type=text],form input[type=email],form input[type=tel],form textarea{width:100%;max-width:520px;padding:11px;border:1px solid #c5d0d8;border-radius:8px;font:inherit;background:#fff}
form textarea{min-height:90px}
fieldset{border:1px solid var(--line);border-radius:10px;padding:10px 14px;margin:12px 0;background:#fff}legend{font-weight:700;padding:0 6px}
.radio{display:block;font-weight:400;margin:6px 0}.radio input{margin-right:7px}
.consent{display:flex;gap:10px;align-items:flex-start;font-weight:400!important;font-size:14.5px;max-width:640px}.consent input{margin-top:5px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
#result:empty{display:none}
.amount{font-size:28px;font-weight:800;color:var(--brand2)}
footer{border-top:1px solid var(--line);background:#fff;color:var(--muted);font-size:14px}footer .wrap{padding:20px 18px}
.crumbs{font-size:14px;color:var(--muted);margin:0}.crumbs a{color:var(--muted)}
.toc{columns:2;font-size:15px}@media (max-width:640px){.toc{columns:1}}
@media (max-width:560px){body{font-size:15.5px}.card{padding:14px}.btn{width:100%;text-align:center}.hero{padding:22px 16px}nav.main{gap:10px;font-size:14px}}