:root{
  --blue:#005eb8; --blue-dark:#003087; --ink:#17252f; --muted:#5b6b76;
  --bg:#f4f7f9; --card:#ffffff; --line:#d9e2e8; --accent:#007a33;
  --radius:14px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.55}
a{color:var(--blue)}
header.site{background:var(--blue-dark);color:#fff}
.wrap{max-width:1060px;margin:0 auto;padding:0 16px}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:12px;flex-wrap:wrap}
.brand{font-weight:800;font-size:1.15rem;color:#fff;text-decoration:none;letter-spacing:.2px}
.brand span{color:#7fd1ff}
.nav nav a{color:#dceeff;text-decoration:none;margin-left:16px;font-size:.95rem}
.nav nav a:hover{text-decoration:underline}
.hero{padding:26px 0 6px}
.hero h1{font-size:2rem;line-height:1.2;margin:0 0 8px}
.hero p.sub{color:var(--muted);margin:0 0 14px;max-width:720px}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 18px}
.chip{background:#e7f2fb;border:1px solid #c4def2;color:var(--blue-dark);border-radius:999px;padding:4px 12px;font-size:.82rem;font-weight:600}
main{padding-bottom:40px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin:18px 0;box-shadow:0 1px 3px rgba(16,42,67,.06)}
.card h2{margin:0 0 12px;font-size:1.35rem}
.card h3{margin:20px 0 8px;font-size:1.08rem}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}
@media (max-width:820px){.calc-grid{grid-template-columns:1fr}}
.field{margin-bottom:14px}
.field label{display:block;font-weight:650;font-size:.92rem;margin-bottom:6px}
.field select,.field input[type=number]{width:100%;padding:11px 12px;border:1.5px solid #b9c9d4;border-radius:9px;font-size:1rem;background:#fff}
.seg{display:flex;border:1.5px solid #b9c9d4;border-radius:9px;overflow:hidden}
.seg button{flex:1;padding:10px;border:0;background:#fff;font-size:1rem;cursor:pointer;font-weight:600;color:var(--muted)}
.seg button.active{background:var(--blue);color:#fff}
.checkline{display:flex;align-items:center;gap:9px;font-weight:600;font-size:.95rem}
.checkline input{width:19px;height:19px;accent-color:var(--blue)}
.result-big{background:#eef7ee;border:1.5px solid #bfe3c6;border-radius:11px;padding:16px;text-align:center;margin-bottom:16px}
.result-big .amount{font-size:2.3rem;font-weight:850;color:var(--accent);line-height:1.1}
.result-big .per{color:var(--muted);font-weight:600}
table.breakdown,table.data{width:100%;border-collapse:collapse;font-size:.96rem}
table.breakdown td,table.breakdown th{padding:8px 6px;border-bottom:1px solid var(--line);text-align:right}
table.breakdown td:first-child,table.breakdown th:first-child{text-align:left}
table.breakdown tr.total td{font-weight:850;border-top:2px solid var(--ink);border-bottom:none;font-size:1.05rem}
table.data th{background:var(--blue-dark);color:#fff;padding:9px 8px;text-align:right;font-size:.9rem}
table.data th:first-child{text-align:left}
table.data td{padding:8px;border-bottom:1px solid var(--line);text-align:right}
table.data td:first-child{text-align:left;font-weight:650}
table.data tr:nth-child(even) td{background:#f7fafc}
.table-scroll{overflow-x:auto}
.formula{background:#0f2a43;color:#eaf4ff;border-radius:11px;padding:16px 18px;font-size:.98rem}
.formula ol{margin:8px 0 0;padding-left:20px}
.formula li{margin:5px 0}
.faq details{border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:10px 0;background:#fbfdff}
.faq summary{font-weight:700;cursor:pointer}
.faq p{margin:9px 0 3px;color:#33454f}
.links-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(225px,1fr));gap:12px}
.tool-link{display:block;border:1px solid var(--line);border-radius:11px;padding:14px 16px;text-decoration:none;color:var(--ink);background:#fbfdff}
.tool-link:hover{border-color:var(--blue)}
.tool-link b{display:block;color:var(--blue-dark);margin-bottom:3px}
.tool-link span{font-size:.88rem;color:var(--muted)}
.note{font-size:.88rem;color:var(--muted)}
footer.site{background:#10222f;color:#c7d5de;margin-top:34px}
footer.site .wrap{padding:26px 16px}
footer.site a{color:#9fd0f5}
.small{font-size:.85rem}

.cols { display:grid; grid-template-columns: 1fr 1fr; gap: 20px; }
@media (max-width: 700px){ .cols { grid-template-columns: 1fr; } }