:root{--ink:#0b1b3f;--text:#1e293b;--muted:#5b6b82;--line:#e5e9f2;--bg:#f6f8fc;--card:#fff;--brand:#4f46e5;--brand2:#0ea5e9;--ok:#059669;--r:16px;--sh:0 1px 2px rgba(16,24,40,.04),0 8px 24px -8px rgba(16,24,40,.10)}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,sans-serif;color:var(--text);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--brand)}a:hover{color:#3730a3}
h1,h2{color:var(--ink);letter-spacing:-.02em;line-height:1.15}h2{font-size:1.15rem;margin:0 0 .5rem}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}.narrow{max-width:860px}
:focus-visible{outline:3px solid #a5b4fc;outline-offset:2px;border-radius:6px}
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.82);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:12px;height:64px}
.logo{display:inline-flex;align-items:center;gap:10px;font-weight:800;color:var(--ink);text-decoration:none;font-size:1.05rem;letter-spacing:-.02em}
.logo-mark{display:grid;place-items:center;width:30px;height:30px;border-radius:9px;color:#fff;background:linear-gradient(135deg,var(--brand),var(--brand2));box-shadow:0 4px 12px -2px rgba(79,70,229,.45)}
.nav nav{display:flex;align-items:center;gap:4px;overflow-x:auto}
.nav nav a{color:var(--muted);text-decoration:none;font-weight:500;font-size:.92rem;padding:8px 12px;border-radius:9px;white-space:nowrap}
.nav nav a:hover{color:var(--ink);background:#f1f4fa}.nav nav a[aria-current]{color:var(--ink);background:#eef0ff}
.nav nav a.nav-cta{color:#fff;background:var(--ink);margin-left:6px}.nav nav a.nav-cta:hover{background:#1e2f5c;color:#fff}
.hero,.page-hero{position:relative;overflow:hidden;background:radial-gradient(1000px 400px at 15% -10%,rgba(79,70,229,.16),transparent 60%),radial-gradient(800px 380px at 95% 0%,rgba(14,165,233,.16),transparent 60%)}
.hero-in{padding:64px 20px 120px;text-align:center;max-width:860px}
.page-hero .wrap{padding-top:56px;padding-bottom:40px;max-width:860px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.8rem;font-weight:600;color:#3730a3;background:#fff;border:1px solid #e0e3ff;padding:6px 12px;border-radius:999px;box-shadow:var(--sh)}
.dot{width:7px;height:7px;border-radius:50%;background:var(--ok);box-shadow:0 0 0 3px rgba(5,150,105,.18)}
h1{font-size:clamp(2rem,5vw,3.4rem);font-weight:800;margin:18px 0 14px;letter-spacing:-.035em}
.page-hero h1{font-size:clamp(1.8rem,4vw,2.6rem)}
.grad{display:block;background:linear-gradient(90deg,var(--brand),var(--brand2));-webkit-background-clip:text;background-clip:text;color:transparent}
.lead{font-size:1.12rem;color:var(--muted);margin:0 auto;max-width:680px}.page-hero .lead{margin:0}
.trust{list-style:none;padding:0;margin:22px 0 0;display:flex;flex-wrap:wrap;justify-content:center;gap:8px 20px;font-size:.9rem;color:#334155;font-weight:500}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);padding:24px}
.calc-layout{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:24px;margin-top:-80px;position:relative;align-items:start}
.card-head{margin-bottom:8px}.card-head p{margin:0;color:var(--muted);font-size:.92rem}
fieldset{border:0;padding:0;margin:20px 0 0;min-width:0}legend{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;font-weight:700;color:var(--muted);margin-bottom:10px}
.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.grid.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.field label{display:block;font-size:.85rem;font-weight:600;color:#334155;margin-bottom:6px}
.field small{display:block;color:var(--muted);font-size:.78rem;margin-top:4px}
.input{position:relative;display:flex;align-items:center}
.input .pre{position:absolute;left:12px;font-size:.85rem;color:var(--muted);font-weight:500;pointer-events:none}
.has-pre input{padding-left:44px}
input,select{width:100%;font:inherit;font-size:.98rem;color:var(--ink);background:#fbfcfe;border:1px solid #d5dce8;border-radius:10px;padding:11px 12px;transition:border-color .15s,box-shadow .15s;font-variant-numeric:tabular-nums;min-height:46px}
input:hover,select:hover{border-color:#b8c3d6}
input:focus,select:focus{outline:0;border-color:var(--brand);background:#fff;box-shadow:0 0 0 4px rgba(79,70,229,.14)}
select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%235b6b82' stroke-width='2'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:34px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:inherit;font-weight:600;border-radius:11px;padding:12px 20px;text-decoration:none;cursor:pointer;border:1px solid transparent;transition:transform .1s,box-shadow .15s,background .15s}
.btn-primary{color:#fff;background:linear-gradient(180deg,#5b53f0,var(--brand));box-shadow:0 6px 16px -4px rgba(79,70,229,.5),inset 0 1px 0 rgba(255,255,255,.2)}
.btn-primary:hover{color:#fff;box-shadow:0 10px 22px -6px rgba(79,70,229,.6)}.btn:active{transform:translateY(1px)}
.btn-block{width:100%;margin-top:24px;padding:14px;font-size:1.02rem}
.btn-ghost{background:#fff;border-color:#d5dce8;color:var(--ink)}.btn-ghost:hover{border-color:var(--brand);color:var(--brand)}
.result-col{position:sticky;top:84px;display:grid;gap:16px}
.result-card{padding:0;overflow:hidden}
.res-top{padding:24px;color:#fff;background:radial-gradient(600px 200px at 100% 0,rgba(14,165,233,.35),transparent 60%),linear-gradient(135deg,#0b1b3f,#1e2a78)}
.res-label{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;font-weight:600;color:#c7d2fe}
.res-total{font-size:clamp(1.9rem,4vw,2.4rem);font-weight:800;letter-spacing:-.03em;font-variant-numeric:tabular-nums;margin:4px 0 12px}
.chips{display:flex;flex-wrap:wrap;gap:8px}.chip{font-size:.8rem;font-weight:600;padding:4px 10px;border-radius:999px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.2)}
.chip-warn{background:rgba(245,158,11,.2);border-color:rgba(245,158,11,.45);color:#fde68a}
.bar{display:flex;height:14px;margin:20px 24px 0;border-radius:999px;overflow:hidden;background:#eef1f6;gap:2px}.bar span{display:block;min-width:2px}
.legend{list-style:none;margin:14px 24px 4px;padding:0;display:grid;gap:8px;font-size:.9rem}
.legend li{display:grid;grid-template-columns:12px 1fr auto 52px;align-items:center;gap:10px}
.legend i{width:12px;height:12px;border-radius:4px}.legend b{font-variant-numeric:tabular-nums;color:var(--ink)}.legend em{font-style:normal;color:var(--muted);text-align:right;font-size:.82rem}
details{margin:12px 24px 20px;border-top:1px solid var(--line);padding-top:10px}
summary{cursor:pointer;font-weight:600;color:var(--ink);font-size:.92rem;padding:6px 0}
table{width:100%;border-collapse:collapse;font-size:.92rem;font-variant-numeric:tabular-nums}
td,th{padding:9px 4px;border-bottom:1px solid #eef1f6;text-align:left}td:last-child{text-align:right;white-space:nowrap}
tr.sub td{font-weight:700;color:var(--ink);border-bottom-color:#d5dce8}
tr.total td{font-weight:800;font-size:1.05rem;color:#065f46;background:#ecfdf5;border-bottom:0;padding:12px 10px}
.sponsor{border:1px dashed #c7cdf9;background:linear-gradient(180deg,#fafbff,#f3f4ff);border-radius:var(--r);padding:18px 20px;display:grid;gap:10px;justify-items:start}
.sponsor p{margin:0;font-size:.9rem;color:#334155}
.sponsor-tag{font-size:.68rem;text-transform:uppercase;letter-spacing:.1em;font-weight:700;color:#4338ca;background:#e0e7ff;padding:3px 8px;border-radius:6px}
.explain{margin:40px 0 0}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:14px}
.steps div{display:flex;gap:12px}.steps span{flex:none;display:grid;place-items:center;width:28px;height:28px;border-radius:8px;background:#eef0ff;color:var(--brand);font-weight:700;font-size:.85rem}
.steps p{margin:0;font-size:.9rem;color:#334155}
.callout{background:#fffbeb;border:1px solid #fde68a;color:#78350f;border-radius:12px;padding:14px 16px;font-size:.92rem;margin-bottom:18px}
.table-card{padding:8px 20px}.icms th{font-size:.75rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.icms td:last-child,.icms th:last-child{text-align:left;white-space:normal}.icms .num{text-align:right;width:110px}
.icms tbody tr:hover{background:#f8faff}
.uf{display:inline-block;min-width:36px;text-align:center;font-weight:700;font-size:.78rem;color:#3730a3;background:#eef0ff;border-radius:6px;padding:2px 6px;margin-right:8px}
.rate{font-weight:700;color:var(--ink)}.note{color:var(--muted);font-size:.85rem}
.muted{color:var(--muted)}.small{font-size:.85rem}
.terms{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:0}
.term{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;box-shadow:var(--sh)}
.term dt{font-weight:700;color:var(--ink);margin-bottom:4px}.term dd{margin:0;color:#475569;font-size:.93rem}
.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.plan h2{font-size:1.02rem;margin-top:10px}
.plan.featured{border-color:#c7d2fe;box-shadow:0 0 0 4px rgba(79,70,229,.08),var(--sh)}
.price{font-size:1.8rem;font-weight:800;color:var(--ink);margin:6px 0;letter-spacing:-.02em}.price small{font-size:.9rem;color:var(--muted);font-weight:500}
.small-price{font-size:1.1rem}.plan p:last-child{color:var(--muted);font-size:.9rem;margin-bottom:0}
.cta-card{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;margin-top:16px;background:linear-gradient(135deg,#0b1b3f,#1e2a78);border:0}
.cta-card h2{color:#fff}.cta-card p{color:#c7d2fe;margin:0}
.site-footer{margin-top:64px;border-top:1px solid var(--line);background:#fff}
.foot{display:grid;grid-template-columns:1.4fr 2fr;gap:12px 24px;padding-top:32px;padding-bottom:32px;font-size:.88rem;color:var(--muted)}
.foot p{margin:8px 0 0}.foot nav{display:flex;flex-wrap:wrap;gap:8px 20px;justify-content:flex-end;align-items:flex-start}
.foot nav a{color:#475569;text-decoration:none}.foot nav a:hover{color:var(--brand)}.foot .contact{grid-column:1/-1;border-top:1px solid var(--line);padding-top:16px}
@media(max-width:960px){.calc-layout{grid-template-columns:1fr}.result-col{position:static}.steps{grid-template-columns:1fr 1fr}.plans{grid-template-columns:1fr}}
@media(max-width:640px){.nav{height:auto;flex-direction:column;align-items:stretch;padding-top:10px;padding-bottom:8px;gap:6px}
.nav nav{margin:0 -20px;padding:0 16px;scrollbar-width:none}.nav nav a{padding:6px 10px;font-size:.86rem}
.site-header{position:static}.hero-in{padding:40px 20px 96px}.lead{font-size:1rem}
.grid,.grid.g3{grid-template-columns:1fr 1fr;gap:12px}.card{padding:18px}.steps,.terms{grid-template-columns:1fr}
.foot{grid-template-columns:1fr}.foot nav{justify-content:flex-start}.icms .note,.icms th:last-child{display:none}
.legend li{grid-template-columns:12px 1fr auto 44px}}
@media(max-width:380px){.grid,.grid.g3{grid-template-columns:1fr}}
@media(max-width:640px){.nav nav{flex-wrap:wrap;overflow:visible;margin:0;padding:0}.nav nav a.nav-cta{margin-left:0}.eyebrow{font-size:.72rem}}