:root{--bg:#f6f8fb;--card:#fff;--ink:#172033;--muted:#5b6578;--brand:#1457d9;--brand2:#0f3f9e;--line:#dfe5ef;--soft:#eef4ff;--ok:#0a7a44;--warn:#9a5a00}*{box-sizing:border-box}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6}.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.wrap{max-width:1120px;margin:auto;padding:0 20px}.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:72px}.logo{font-weight:900;font-size:1.35rem;color:var(--ink);text-decoration:none;letter-spacing:-.02em}.logo span{color:var(--brand)}nav a{color:var(--muted);text-decoration:none;font-weight:650;margin-left:18px}nav a:hover{color:var(--brand)}.hero{padding:58px 0 34px;background:linear-gradient(135deg,#fff 0%,#edf4ff 100%);border-bottom:1px solid var(--line)}.hero h1{font-size:clamp(2.1rem,5vw,4.2rem);line-height:1.02;margin:0 0 16px;letter-spacing:-.05em}.hero p{font-size:1.18rem;color:var(--muted);max-width:780px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid2{display:grid;grid-template-columns:2fr 1fr;gap:24px}.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 10px 28px rgba(23,32,51,.05)}.tile{text-decoration:none;color:inherit;display:block}.tile h3{margin-top:0}.tile p{color:var(--muted)}.pill{display:inline-block;background:var(--soft);color:var(--brand2);border-radius:999px;padding:6px 12px;font-weight:750;font-size:.86rem}.section{padding:34px 0}.calc{display:grid;gap:14px;margin:20px 0}.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}label{font-weight:750}input,select{width:100%;border:1px solid var(--line);border-radius:12px;padding:13px;font:inherit;background:#fff}button,.btn{display:inline-block;border:0;background:var(--brand);color:#fff;border-radius:12px;padding:13px 18px;font-weight:850;text-decoration:none;cursor:pointer}button:hover,.btn:hover{background:var(--brand2)}.result{background:#f8fbff;border:1px solid #cfe0ff;border-radius:16px;padding:18px;margin-top:16px;font-size:1.08rem}.muted{color:var(--muted)}.note{background:#fff8e8;border:1px solid #f0d69b;border-radius:14px;padding:16px;color:#5f3b00}.ad-slot{border:1px dashed #b8c3d6;background:#fbfcff;border-radius:14px;min-height:110px;display:flex;align-items:center;justify-content:center;color:#7b8495;font-size:.9rem;margin:26px 0}.content h2{font-size:1.8rem;margin-top:32px;letter-spacing:-.02em}.content h3{margin-top:24px}.content p,.content li{color:#333d50}.table{width:100%;border-collapse:collapse;background:#fff;border-radius:14px;overflow:hidden}.table th,.table td{padding:12px;border-bottom:1px solid var(--line);text-align:left}.table th{background:#eef4ff}.footer{margin-top:40px;background:#111827;color:#d6dbe6;padding:36px 0}.footer a{color:#fff;text-decoration:none}.small{font-size:.92rem}.breadcrumbs{font-size:.9rem;color:var(--muted);margin:18px 0}.breadcrumbs a{color:var(--brand);text-decoration:none}@media(max-width:850px){.grid,.grid2,.row{grid-template-columns:1fr}nav{display:none}.hero{padding:38px 0}.card{padding:20px}}