:root{--ink:#12203a;--muted:#5a6a86;--bg:#f4f7fc;--card:#ffffff;--line:#dde5f2;
--brand:#0f4c81;--brand2:#f39c12;--accent:#1f8a70;--shadow:0 6px 22px rgba(18,32,58,.08)}
*{box-sizing:border-box}
html,body{margin:0;padding:0;width:100%;overflow-x:hidden}
body{font-family:"Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif;
color:var(--ink);background:var(--bg);line-height:1.7;font-size:17px}
a{color:var(--brand)}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
/* header */
.masthead{background:linear-gradient(120deg,#0f4c81,#123a63);color:#fff;
box-shadow:var(--shadow);position:sticky;top:0;z-index:40}
.head-row{display:flex;align-items:center;gap:14px;padding:12px 22px;max-width:1080px;
margin:0 auto;flex-wrap:nowrap}
.brand-logo{color:#fff;font-weight:800;font-size:1.28rem;text-decoration:none;
letter-spacing:.2px;white-space:nowrap}
.nav-shell{display:flex;align-items:center;gap:10px;margin-left:auto;flex-wrap:nowrap}
.nav-main{display:flex;gap:4px;flex-wrap:nowrap}
.nav-main a{color:#e8f0fb;text-decoration:none;padding:8px 10px;border-radius:8px;
font-size:.95rem;white-space:nowrap}
.nav-main a:hover,.nav-main a.active{background:rgba(255,255,255,.16);color:#fff}
.cta-top{background:var(--brand2);color:#20130a;font-weight:700;text-decoration:none;
padding:9px 15px;border-radius:9px;white-space:nowrap}
.cta-top:hover{filter:brightness(1.06)}
.burger{display:none;margin-left:auto;background:rgba(255,255,255,.14);border:0;
color:#fff;font-size:1.5rem;line-height:1;padding:6px 12px;border-radius:9px;cursor:pointer}
/* breadcrumb */
.crumbs{background:#eaf0f9;border-bottom:1px solid var(--line);font-size:.86rem}
.crumbs .wrap{padding-top:9px;padding-bottom:9px}
.crumbs a{color:var(--brand);text-decoration:none}
.crumbs span{color:var(--muted)}
/* main */
main{display:block;padding:26px 0 10px}
h1{font-size:2rem;line-height:1.22;margin:.2em 0 .5em}
h2{font-size:1.4rem;margin:1.6em 0 .5em;color:#12365e}
h3{font-size:1.12rem;margin:1.2em 0 .4em}
.lede{font-size:1.12rem;background:var(--card);border-left:5px solid var(--brand2);
padding:16px 20px;border-radius:0 12px 12px 0;box-shadow:var(--shadow);color:#22344f}
.hero-shot{border-radius:14px;box-shadow:var(--shadow);margin:6px 0 20px;width:100%}
p{margin:.7em 0}
main ul,main ol{background:var(--card);border:1px solid var(--line);border-radius:12px;
padding:14px 18px 14px 40px;box-shadow:var(--shadow)}
main li{margin:.4em 0}
/* faq */
.faq h2{margin-bottom:.2em}
details{background:var(--card);border:1px solid var(--line);border-radius:10px;
padding:2px 16px;margin:10px 0;box-shadow:var(--shadow)}
details summary{cursor:pointer;font-weight:700;padding:12px 0;color:#123a63}
details[open] summary{border-bottom:1px solid var(--line);margin-bottom:6px}
/* cta */
.spin{background:linear-gradient(120deg,#123a63,#1f8a70);color:#fff;border-radius:16px;
padding:24px;margin:28px 0;text-align:center;box-shadow:var(--shadow)}
.spin h2{color:#fff;margin-top:0}
.spin p{color:#e6f2ee}
.spin .btn{display:inline-block;margin-top:10px;background:var(--brand2);color:#20130a;
font-weight:800;text-decoration:none;padding:13px 30px;border-radius:11px;font-size:1.05rem}
.spin .btn:hover{filter:brightness(1.07)}
/* calculator widget */
.calc{background:var(--card);border:1px solid var(--line);border-radius:14px;
padding:18px;margin:22px 0;box-shadow:var(--shadow)}
.calc h3{margin-top:0}
.calc .row{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin:8px 0}
.calc button{background:var(--brand);color:#fff;border:0;border-radius:9px;
padding:9px 16px;font-weight:700;cursor:pointer}
.calc button.ghost{background:#e7eef8;color:var(--brand)}
.calc .out{font-weight:800;font-size:1.25rem;color:var(--accent)}
.calc small{color:var(--muted)}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
/* footer */
.site-foot{background:#0d2440;color:#c7d5ec;margin-top:34px;padding:30px 0 18px}
.foot-grid{display:flex;flex-wrap:wrap;gap:26px;justify-content:space-between}
.foot-grid h4{color:#fff;font-size:1rem;margin:0 0 10px}
.foot-grid a{color:#c7d5ec;text-decoration:none;display:block;padding:3px 0}
.foot-grid a:hover{color:#fff}
.foot-note{border-top:1px solid #1c3a5c;margin-top:22px;padding-top:16px;
font-size:.82rem;color:#8ea6c6}
.age{display:inline-block;border:1px solid #3a5c85;border-radius:6px;padding:1px 7px;
font-weight:700;color:#fff;margin-right:8px}
/* back to top */
#toTop{position:fixed;right:18px;bottom:18px;background:var(--brand);color:#fff;
border:0;border-radius:50%;width:46px;height:46px;font-size:1.2rem;cursor:pointer;
box-shadow:var(--shadow);display:none;z-index:50}
/* mobile */
@media(max-width:860px){
  h1{font-size:1.62rem}
  .burger{display:block}
  .nav-shell{display:none;position:absolute;left:0;right:0;top:100%;
    background:#123a63;flex-direction:column;align-items:stretch;gap:0;padding:8px 14px 14px;
    box-shadow:var(--shadow)}
  .nav-shell.open{display:flex}
  .nav-main{flex-direction:column;gap:0}
  .nav-main a{padding:12px 8px;border-bottom:1px solid rgba(255,255,255,.08)}
  .cta-top{margin-top:10px;text-align:center}
  .head-row{position:relative;flex-wrap:nowrap}
}
@media(max-width:720px){
  .wrap{padding:0 22px}
  body{font-size:16px}
}