:root{--bg:#0B1220;--bg2:#0E1628;--card:#121C33;--line:#1F2C4A;--txt:#E6EDF7;--mut:#8CA0C4;--acc:#38BDF8;--acc2:#0EA5E9;--amber:#FBBF24;--red:#F87171;--green:#34D399}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--txt);font-family:'Segoe UI',system-ui,Arial,sans-serif;line-height:1.6}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
h1{font-size:clamp(28px,4.5vw,44px);line-height:1.2;margin:14px 0}
h2{font-size:clamp(22px,3vw,30px);margin:34px 0 14px}
h2:after{content:'';display:block;width:64px;height:4px;border-radius:2px;background:linear-gradient(90deg,var(--acc),var(--acc2));margin-top:10px}
p{margin:10px 0}
.lead{color:var(--mut);font-size:17px;max-width:780px}
section{padding:50px 0}
header{position:sticky;top:0;z-index:50;background:rgba(11,18,32,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:16px;height:60px}
.logo{font-weight:800;font-size:19px;color:var(--txt);text-decoration:none;display:flex;align-items:center;gap:10px}
.logo-ic{width:32px;height:32px;border-radius:10px;background:linear-gradient(135deg,var(--acc),#6366F1);display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:800;color:#04101F}
.logo-img{width:40px;height:40px;border-radius:50%;object-fit:cover;background:#fff}
.nav .back{color:var(--mut);text-decoration:none;font-size:14px;margin-left:auto}
.btn{display:inline-block;background:linear-gradient(135deg,var(--acc),var(--acc2));color:#04101F;font-weight:700;padding:12px 22px;border-radius:12px;text-decoration:none;border:none;cursor:pointer;font-size:15px}
.btn:hover{filter:brightness(1.1)}
.btn.ghost{background:transparent;color:var(--txt);border:1px solid var(--line)}
.btn.sm{padding:8px 14px;font-size:13px;border-radius:10px}
.badge{display:inline-block;background:rgba(56,189,248,.12);color:var(--acc);border:1px solid rgba(56,189,248,.35);padding:6px 14px;border-radius:999px;font-size:13px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:20px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:20px}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px}
.card .ic{font-size:26px;margin-bottom:10px}
.card h3{margin-bottom:8px;font-size:17px}
.card p{color:var(--mut);font-size:14px}
ul.check{list-style:none;margin:14px 0}
ul.check li{padding:7px 0 7px 26px;position:relative;font-size:15px}
ul.check li:before{content:'✓';position:absolute;left:0;color:var(--green);font-weight:700}
.case{background:linear-gradient(135deg,rgba(56,189,248,.08),rgba(99,102,241,.08));border:1px solid var(--line);border-radius:16px;padding:24px;margin:24px 0}
.case b{color:var(--acc)}
.stats{display:flex;gap:30px;flex-wrap:wrap;margin:22px 0}
.stats div b{display:block;font-size:26px;color:var(--green)}
.stats div span{color:var(--mut);font-size:13px}
table.cmp{width:100%;border-collapse:collapse;margin:18px 0;font-size:14px}
table.cmp th,table.cmp td{border:1px solid var(--line);padding:10px 12px;text-align:left}
table.cmp th{background:var(--card)}
td.good{color:var(--green)} td.bad{color:var(--red)}
.cta{background:var(--card);border:1px solid var(--line);border-radius:20px;padding:34px;text-align:center;margin:40px 0}
.cta h2{margin-top:0}.cta h2:after{margin:10px auto 0}
footer{border-top:1px solid var(--line);padding:24px 0}
.foot{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;align-items:center}
.foot p{color:var(--mut);font-size:14px}
.foot a{color:var(--mut);font-size:13px;text-decoration:none}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:24px}
.calc .in label{display:block;color:var(--mut);font-size:13px;margin:12px 0 6px}
.calc .in input,.calc .in select{width:100%;background:var(--bg2);border:1px solid var(--line);color:var(--txt);border-radius:10px;padding:12px;font-size:16px}
.calc .out{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px}
.out .row{display:flex;justify-content:space-between;gap:10px;padding:10px 0;border-bottom:1px dashed var(--line);font-size:15px}
.out .total{margin-top:14px}.out .total b{font-size:30px;color:var(--green)}
@media(max-width:900px){.grid3,.grid4{grid-template-columns:1fr 1fr}.calc{grid-template-columns:1fr}}
@media(max-width:560px){.grid3,.grid4{grid-template-columns:1fr}}