:root{color-scheme:light;--navy: #0a2540;--navy-2: #123056;--heading: #0a2540;--blue: #2563eb;--blue-dark: #1d4ed8;--blue-soft: #e8f1ff;--blue-wash: #f3f7ff;--ink: #0f172a;--muted: #5b6b80;--line: #e2e8f0;--card-line: #e6eef8;--paper: #ffffff;--bg: #f7f9fc;--bg-elev: #eef3f9;--input-bg: #f8fafc;--footer-bg: #0a2540;--btn: #2563eb;--btn-hover: #1d4ed8;--btn-text: #ffffff;--success: #15803d;--success-soft: #ecfdf3;--warning: #b45309;--warning-soft: #fff8e7;--danger: #b91c1c;--hero-from: #f3f7ff;--hero-to: #ffffff;--result-from: #0a2540;--result-to: #123056;--ok-border: #bbf7d0;--warn-border: #fde68a;--info-border: #bfdbfe;--header-bg: rgba(255, 255, 255, .92);--radius: 18px;--radius-sm: 12px;--shadow: 0 1px 2px rgba(10, 37, 64, .06), 0 18px 40px rgba(10, 37, 64, .08);--shadow-lg: 0 24px 60px rgba(10, 37, 64, .14);--header-h: 68px;--font: Inter, system-ui, -apple-system, Segoe UI, Roboto, sans-serif;--serif: Inter, system-ui, sans-serif;--max: 1140px;--accent: var(--blue);--accent-soft: var(--blue-soft);--primary: var(--navy)}[data-theme=dark]{color-scheme:dark;--heading: #f1f5f9;--blue: #93c5fd;--blue-dark: #bfdbfe;--blue-soft: rgba(96, 165, 250, .16);--blue-wash: #121c2e;--ink: #e8eef6;--muted: #b4c2d4;--line: #3a516c;--card-line: #3a516c;--paper: #1a2b44;--bg: #0b1524;--bg-elev: #1b2c44;--input-bg: #101c30;--footer-bg: #070e18;--btn: #3b82f6;--btn-hover: #2563eb;--btn-text: #ffffff;--success: #4ade80;--success-soft: rgba(74, 222, 128, .12);--warning: #fbbf24;--warning-soft: rgba(251, 191, 36, .12);--danger: #f87171;--hero-from: #102039;--hero-to: #0b1524;--result-from: #1d4ed8;--result-to: #1e3a8a;--ok-border: rgba(74, 222, 128, .35);--warn-border: rgba(251, 191, 36, .35);--info-border: rgba(96, 165, 250, .4);--header-bg: rgba(11, 21, 36, .92);--navy: #0a2540;--navy-2: #1e3a5f;--shadow: 0 1px 2px rgba(0, 0, 0, .35), 0 18px 40px rgba(0, 0, 0, .28);--shadow-lg: 0 24px 60px rgba(0, 0, 0, .45);--accent: var(--blue);--accent-soft: var(--blue-soft);--primary: var(--ink)}*,*:before,*:after{box-sizing:border-box}html{scroll-behavior:smooth;overflow-x:clip}html,body{min-height:100%}body{margin:0;background:var(--bg);color:var(--ink);font:400 16px/1.65 var(--font);overflow-x:clip;-webkit-text-size-adjust:100%}img{max-width:100%;height:auto}a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--navy)}[data-theme=dark] a:hover{color:var(--blue-dark)}h1,h2,h3,.serif{font-family:var(--font);letter-spacing:-.03em;line-height:1.15;color:var(--heading)}h1{font-size:clamp(2rem,4.6vw,3.15rem);font-weight:800;margin:0 0 14px}h2{font-size:clamp(1.45rem,2.6vw,2rem);font-weight:700;margin:0 0 12px}h3{font-size:1.15rem;font-weight:700;margin:0 0 8px}p{margin:0 0 1rem}.wrap{width:min(var(--max),100%);margin-inline:auto;padding-inline:max(20px,env(safe-area-inset-left)) max(20px,env(safe-area-inset-right))}.skip{position:absolute;left:-999px;top:8px}.skip:focus{left:8px;z-index:100;background:var(--paper);padding:8px 12px}.muted{color:var(--muted)}.prose{max-width:68ch}.prose p,.prose li{font-size:1.05rem;color:var(--muted)}.prose h2,.prose h3{margin-top:1.6em}.topbar{background:var(--footer-bg);color:#ffffffc7;font-size:12.5px;font-weight:500}.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:36px;flex-wrap:wrap}.topbar a{color:#fff;text-decoration:none}.topbar a:hover{color:#93c5fd}.site-header{position:sticky;top:0;z-index:40;background:var(--header-bg);backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:var(--header-h)}.brand{display:flex;align-items:center;gap:12px;color:inherit;text-decoration:none;min-width:168px}.logo{width:44px;height:30px;border-radius:6px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:11px;letter-spacing:.14em;border:2px solid #7dd3fc}[data-theme=dark] .logo{background:var(--blue);color:#07111d;border-color:#93c5fd}.brand-name{font-weight:800;font-size:15px;color:var(--heading);letter-spacing:-.02em}.brand-tag{display:block;font-size:11.5px;color:var(--muted);font-weight:500}.menu{display:flex;gap:2px;flex-wrap:wrap;justify-content:center}.menu a{color:var(--ink);text-decoration:none;padding:10px 12px;border-radius:999px;font-size:14px;font-weight:600}.menu a:hover,.menu a[aria-current=page]{background:var(--blue-soft);color:var(--blue)}.nav-actions{display:flex;align-items:center;gap:8px}.icon-btn,.menu-toggle{width:44px;height:44px;border-radius:10px;border:1px solid var(--line);background:var(--paper);color:var(--ink);cursor:pointer;display:grid;place-items:center}.icon-sun{display:none}[data-theme=dark] .icon-sun{display:block}[data-theme=dark] .icon-moon,.menu-toggle{display:none}.btn-nav{display:inline-flex;align-items:center;justify-content:center;padding:10px 16px;border-radius:999px;background:var(--btn);color:var(--btn-text)!important;text-decoration:none!important;font-size:14px;font-weight:700;border:0;min-height:40px}.btn-nav:hover{background:var(--btn-hover);color:var(--btn-text)!important}.menu-cta{display:none}.hero-band{position:relative;overflow:hidden;padding:64px 0 28px;background:radial-gradient(ellipse 70% 55% at 50% -8%,rgba(37,99,235,.18),transparent 58%),linear-gradient(180deg,var(--hero-from) 0%,var(--hero-to) 72%)}[data-theme=dark] .hero-band{background:radial-gradient(ellipse 70% 55% at 50% -8%,rgba(59,130,246,.34),transparent 58%),linear-gradient(180deg,var(--hero-from) 0%,var(--hero-to) 72%)}.hero-inner{text-align:center;max-width:760px;margin:0 auto}.hero-tool{text-align:left;max-width:580px;margin:32px auto 0}.kicker,.eyebrow{display:inline-flex;gap:8px;align-items:center;font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--blue);margin-bottom:12px}.lead{font-size:1.18rem;color:var(--muted);margin:0 auto 8px;max-width:62ch}.badges{display:flex;flex-wrap:wrap;gap:8px;justify-content:center}.badge{display:inline-flex;align-items:center;gap:6px;padding:6px 11px;border-radius:999px;border:1px solid var(--line);background:var(--paper);color:var(--muted);font-size:12px;font-weight:600}.badge.ok{color:var(--success);background:var(--success-soft);border-color:var(--ok-border)}.badge.warn{color:var(--warning);background:var(--warning-soft);border-color:var(--warn-border)}.trust-row{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:28px;text-align:left}.trust-item{display:flex;gap:12px;align-items:flex-start;background:var(--paper);background:color-mix(in srgb,var(--paper) 72%,transparent);border:1px solid 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var(--line);background:var(--input-bg);color:var(--ink);border-radius:var(--radius-sm);padding:13px 14px;font:inherit;font-size:16px}.field textarea{min-height:132px;resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid color-mix(in srgb,var(--btn) 28%,transparent);border-color:var(--btn);background:var(--paper)}.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:12px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 18px;min-height:44px;border-radius:12px;border:1px solid var(--line);background:var(--paper);color:var(--ink);font:700 15px var(--font);cursor:pointer;text-decoration:none}.btn.primary{background:var(--btn);color:var(--btn-text);border-color:var(--btn);width:100%;padding:14px 18px;border-radius:14px;box-shadow:0 8px 20px #2563eb47}.btn.primary:hover{background:var(--btn-hover);color:var(--btn-text);filter:none}.btn.ghost{background:transparent;color:#fff;border-color:#ffffff40;width:auto}.result{margin-top:16px;padding:20px;border-radius:16px;background:linear-gradient(160deg,var(--result-from) 0%,var(--result-to) 100%);color:#fff}.result .amount{font-size:2.1rem;font-weight:800;letter-spacing:-.03em;margin:6px 0 10px}.result .details{font-size:14px;opacity:.92}.band{padding:72px 0}.band-soft,[data-theme=dark] .band-soft{background:var(--blue-wash)}.band-white{background:var(--paper)}.section{padding:40px 0}.section-head{margin-bottom:28px}.section-head.center{text-align:center}.section-head.center .muted,.section-head.center .lead{margin-inline:auto}.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(240px,100%),1fr));gap:16px}.features{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.feature{text-align:center;background:var(--paper);border:1px solid var(--card-line);border-radius:20px;padding:28px 22px 24px;box-shadow:var(--shadow)}.feature-icon{width:56px;height:56px;margin:0 auto 14px;border-radius:50%;background:var(--blue-soft);color:var(--blue);display:grid;place-items:center}.feature p{margin:0;color:var(--muted);font-size:14.5px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:step}.step{position:relative;background:var(--paper);border:1px solid var(--card-line);border-radius:20px;padding:24px}.step-num{width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:14px;margin-bottom:12px}.callout{display:flex;gap:14px;align-items:flex-start;border-radius:16px;padding:18px 20px;margin:20px 0}.callout.info{background:var(--blue-soft);border:1px solid var(--info-border)}.callout.warn{background:var(--warning-soft);border:1px solid var(--warn-border)}.callout 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.9fr;align-items:start}@media(max-width:1080px){.hero-grid,.showcase,.footer-grid,.features,.steps,.trust-row{grid-template-columns:1fr}.menu-toggle{display:grid}.nav-actions>.btn-nav{display:none}.menu-cta{display:flex;margin-top:4px;justify-content:center}.menu{display:none;position:absolute;top:100%;left:0;right:0;background:var(--paper);border-bottom:1px solid var(--line);padding:12px 16px calc(16px + env(safe-area-inset-bottom));flex-direction:column;box-shadow:var(--shadow);max-height:calc(100dvh - var(--header-h) - 36px);overflow-y:auto}.menu a{padding:12px 14px;min-height:44px;display:flex;align-items:center}.menu.open{display:flex}.grid-2,.specs{grid-template-columns:1fr 1fr}.hero-band,.band,.cta-band{padding:48px 0}.topbar .wrap{justify-content:center;text-align:center}.topbar-hide-sm{display:none}}@media(max-width:720px){.brand-tag{display:none}.brand{min-width:0}h1{font-size:clamp(1.7rem,8vw,2.4rem)}.lead{font-size:1.05rem}.article{padding:28px 0 56px}}@media(max-width:560px){.specs,.grid-2{grid-template-columns:1fr}.wrap{padding-inline:max(12px,env(safe-area-inset-left)) max(12px,env(safe-area-inset-right))}.calc-card{padding:20px 16px 18px}.price-box,.result{padding:18px 16px}.result .amount,.price-box strong{font-size:1.7rem;overflow-wrap:anywhere}.table-wrap{margin-inline:0;-webkit-overflow-scrolling:touch}th,td{white-space:nowrap;padding:10px 12px}.cta-band .btn.primary{width:100%;min-width:0}.cookie.show{padding:12px 14px;gap:10px}.cookie p{font-size:13px;line-height:1.45}.band{padding:40px 0}}.sr-only[data-astro-cid-3ef6ksr2]{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}