:root{--bg:#f7f8fc;--card:#fff;--ink:#0b1324;--ink2:#334155;--mute:#64748b;--line:#e6e9f2;--pri:#1d4ed8;--pri2:#6d28d9;--acc:#0ea5a4;--gold:#b7791f;--ok:#047857;--okb:#ecfdf5;--bad:#b91c1c;--badb:#fef2f2;--warnb:#fffbeb;--r:18px;--sh:0 1px 2px rgba(11,19,36,.04),0 8px 28px rgba(11,19,36,.07);--sh2:0 20px 50px rgba(29,78,216,.18);
--f:"Inter","Noto Sans SC",-apple-system,BlinkMacSystemFont,"PingFang SC","Hiragino Sans GB","Microsoft YaHei",sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--f);background:var(--bg);color:var(--ink);line-height:1.7;font-size:16px;-webkit-font-smoothing:antialiased}
a{color:var(--pri);text-decoration:none}a:hover{text-decoration:underline}img,svg{max-width:100%}
.w{max-width:1200px;margin:0 auto;padding:0 24px}.narrow{max-width:860px}
.ico{width:20px;height:20px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;vertical-align:-4px;flex:none}
/* header */
.hd{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.85);backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid var(--line)}
.hd .w{display:flex;align-items:center;gap:28px;height:66px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--ink);font-size:17px;letter-spacing:-.01em}.logo:hover{text-decoration:none}
.logo .mk{width:34px;height:34px;border-radius:10px;background:linear-gradient(135deg,var(--pri),var(--pri2));display:grid;place-items:center;color:#fff;box-shadow:0 6px 16px rgba(29,78,216,.35)}
.logo small{display:block;font-size:11px;color:var(--mute);font-weight:500;letter-spacing:.02em}
.nv{display:flex;gap:4px;flex:1}.nv a{color:var(--ink2);font-size:14.5px;font-weight:500;padding:8px 12px;border-radius:10px}.nv a:hover,.nv a.on{background:#eef2ff;color:var(--pri);text-decoration:none}
.hd .act{display:flex;gap:10px;align-items:center}
.lang{border:1px solid var(--line);background:#fff;color:var(--ink2);border-radius:999px;padding:6px 14px;font-size:13px;font-weight:600;cursor:pointer;font-family:inherit}
.btn{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,var(--pri),var(--pri2));color:#fff!important;border:0;padding:12px 22px;border-radius:12px;font-weight:700;font-size:15px;cursor:pointer;box-shadow:0 8px 20px rgba(29,78,216,.28);font-family:inherit;transition:transform .15s,box-shadow .15s}.btn:hover{text-decoration:none;transform:translateY(-1px);box-shadow:0 12px 26px rgba(29,78,216,.34)}
.btn.sm{padding:8px 14px;font-size:13.5px;border-radius:10px}.btn.ghost{background:#fff;color:var(--pri)!important;border:1px solid #c7d2fe;box-shadow:none}.btn.white{background:#fff;color:var(--pri)!important}
.burger{display:none;background:none;border:0;padding:6px;cursor:pointer;color:var(--ink)}
@media(max-width:900px){.nv{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;flex-direction:column;padding:12px 16px;border-bottom:1px solid var(--line);box-shadow:var(--sh)}.nv.open{display:flex}.burger{display:block}.hd .act .btn{display:none}.hd .w{gap:12px}.hd .act{margin-left:auto}}
/* hero */
.hero{position:relative;overflow:hidden;background:radial-gradient(1200px 500px at 85% -10%,rgba(109,40,217,.55),transparent 60%),radial-gradient(900px 500px at 0% 0%,rgba(14,165,164,.35),transparent 55%),linear-gradient(160deg,#0b1736 0%,#13235a 55%,#1d1b52 100%);color:#fff;padding:72px 0 120px}
.hero:after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:44px 44px;mask-image:linear-gradient(180deg,#000,transparent 85%);pointer-events:none}
.hero .w{position:relative;z-index:1}.hero.sm{padding:56px 0 96px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);padding:6px 14px;border-radius:999px;font-size:13px;font-weight:600;color:#dbeafe}
.hero h1{font-size:clamp(30px,4.6vw,54px);line-height:1.15;margin:18px 0 16px;letter-spacing:-.02em;font-weight:800;max-width:860px}
.hero h1 em{font-style:normal;background:linear-gradient(90deg,#7dd3fc,#c4b5fd);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.lead{font-size:clamp(16px,1.6vw,19px);color:#cbd5e1;max-width:720px;margin:0}
.hero .ctas{display:flex;gap:12px;margin-top:28px;flex-wrap:wrap}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:30px;font-size:13.5px;color:#cbd5e1}.trust span{display:flex;align-items:center;gap:7px}.trust .ico{color:#5eead4;width:18px;height:18px}
.crumb{font-size:13px;color:#a5b4fc}.crumb a{color:#c7d2fe}
/* sections */
.sec{padding:72px 0}.sec.tight{padding:40px 0}.sec h2.t{font-size:clamp(24px,3vw,34px);letter-spacing:-.02em;margin:0 0 10px;line-height:1.25}.sec p.st{color:var(--mute);margin:0 0 34px;max-width:680px}
.kicker{color:var(--pri);font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase}
.lift{margin-top:-78px;position:relative;z-index:2}
.card{background:var(--card);border-radius:var(--r);box-shadow:var(--sh);padding:26px;border:1px solid rgba(230,233,242,.7)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.cards.c2{grid-template-columns:repeat(2,1fr)}.cards.c4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.cards,.cards.c4{grid-template-columns:1fr 1fr}}@media(max-width:600px){.cards,.cards.c2,.cards.c4{grid-template-columns:1fr}}
.feat .ic{width:46px;height:46px;border-radius:13px;display:grid;place-items:center;background:linear-gradient(135deg,#eef2ff,#f5f3ff);color:var(--pri);margin-bottom:14px}.feat h3{margin:0 0 6px;font-size:17.5px}.feat p{margin:0;color:var(--mute);font-size:14.5px}
a.card{color:inherit;transition:transform .18s,box-shadow .18s;display:block}a.card:hover{transform:translateY(-3px);box-shadow:var(--sh2);text-decoration:none}
.tag{display:inline-block;font-size:12px;font-weight:700;padding:3px 10px;border-radius:999px;background:#eef2ff;color:var(--pri)}.tag.ok{background:var(--okb);color:var(--ok)}.tag.bad{background:var(--badb);color:var(--bad)}.tag.mix{background:#fff7ed;color:#c2410c}
.more{display:inline-flex;align-items:center;gap:6px;font-weight:700;font-size:14px;margin-top:12px}
/* steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}}@media(max-width:560px){.steps{grid-template-columns:1fr}}
.steps>div{counter-increment:s;position:relative;padding-top:52px}.steps>div:before{content:counter(s);position:absolute;top:0;left:0;width:38px;height:38px;border-radius:12px;background:var(--ink);color:#fff;display:grid;place-items:center;font-weight:800}
.steps h4{margin:0 0 4px}.steps p{margin:0;color:var(--mute);font-size:14.5px}
/* timeline */
.tl{position:relative;margin:24px 0;padding-left:34px}.tl:before{content:"";position:absolute;left:12px;top:6px;bottom:6px;width:2px;background:linear-gradient(var(--pri),var(--pri2))}
.tl li{list-style:none;position:relative;margin-bottom:22px}.tl li:before{content:"";position:absolute;left:-28px;top:6px;width:14px;height:14px;border-radius:50%;background:#fff;border:3px solid var(--pri)}
.tl b{display:block;font-size:16px}.tl .d{font-size:12.5px;color:var(--pri);font-weight:700;letter-spacing:.03em}.tl p{margin:2px 0 0;color:var(--ink2);font-size:15px}
/* article */
.art{display:grid;grid-template-columns:240px 1fr;gap:40px;align-items:start}@media(max-width:960px){.art{grid-template-columns:1fr}.toc{position:static!important}}
.toc{position:sticky;top:90px;font-size:14px}.toc b{display:block;font-size:12px;letter-spacing:.08em;color:var(--mute);text-transform:uppercase;margin-bottom:10px}.toc a{display:block;color:var(--ink2);padding:6px 0 6px 12px;border-left:2px solid var(--line)}.toc a:hover{border-color:var(--pri);color:var(--pri);text-decoration:none}
.prose{background:#fff;border-radius:var(--r);box-shadow:var(--sh);padding:40px 44px;border:1px solid rgba(230,233,242,.7)}@media(max-width:600px){.prose{padding:24px 20px}}
.prose h2{font-size:24px;margin:38px 0 12px;letter-spacing:-.01em;scroll-margin-top:90px;padding-top:6px}.prose h2:first-child{margin-top:0}.prose h3{font-size:18px;margin:24px 0 8px}.prose p,.prose li{color:var(--ink2)}.prose ul{padding-left:20px}.prose li{margin:6px 0}
.meta{display:flex;flex-wrap:wrap;gap:16px;color:#c7d2fe;font-size:13.5px;margin-top:18px}.meta span{display:flex;gap:6px;align-items:center}
.call{display:flex;gap:14px;border-radius:14px;padding:16px 18px;margin:20px 0;background:#eff6ff;border:1px solid #dbeafe;font-size:15px}.call .ico{color:var(--pri);margin-top:3px}.call.warn{background:var(--warnb);border-color:#fde68a}.call.warn .ico{color:var(--gold)}.call.ok{background:var(--okb);border-color:#a7f3d0}.call.ok .ico{color:var(--ok)}.call p{margin:0}
table.tb{width:100%;border-collapse:separate;border-spacing:0;font-size:14.5px;margin:16px 0;border:1px solid var(--line);border-radius:12px;overflow:hidden}.tb th{background:#f8fafc;text-align:left;font-weight:700;color:var(--ink2);font-size:13px}.tb th,.tb td{padding:11px 14px;border-bottom:1px solid var(--line)}.tb tr:last-child td{border-bottom:0}
.tbw{overflow-x:auto}
details{border:1px solid var(--line);border-radius:14px;padding:0 18px;margin:10px 0;background:#fff}details summary{cursor:pointer;font-weight:700;padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:10px}details summary::-webkit-details-marker{display:none}details summary:after{content:"+";font-size:22px;line-height:1;color:var(--pri)}details[open] summary:after{content:"−"}details p{margin:0 0 16px;color:var(--ink2)}
.ctab{border-radius:22px;padding:40px;background:radial-gradient(600px 300px at 100% 0,rgba(196,181,253,.35),transparent),linear-gradient(135deg,#0b1736,#312e81);color:#fff;display:flex;gap:30px;align-items:center;justify-content:space-between;flex-wrap:wrap;box-shadow:var(--sh2)}.ctab h3{font-size:26px;margin:0 0 6px;letter-spacing:-.01em}.ctab p{margin:0;color:#c7d2fe;max-width:560px}
.badge-lic{display:inline-flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:10px 14px;box-shadow:var(--sh);font-size:13px;color:var(--ink2)}.badge-lic .ico{color:var(--ok)}
/* footer */
.ft{background:#0b1324;color:#94a3b8;padding:56px 0 30px;margin-top:40px;font-size:14px}.ft .g{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}@media(max-width:800px){.ft .g{grid-template-columns:1fr 1fr}}
.ft h5{color:#fff;font-size:14px;margin:0 0 12px}.ft a{color:#94a3b8;display:block;margin:6px 0}.ft a:hover{color:#fff}.ft .logo{color:#fff}.ft .bot{border-top:1px solid #1e293b;margin-top:36px;padding-top:20px;font-size:12.5px;line-height:1.7}
/* calculator */
.calc{display:grid;grid-template-columns:370px 1fr;gap:22px;align-items:start}@media(max-width:960px){.calc{grid-template-columns:1fr}}.calc>div{min-width:0}
.calc .card{margin-bottom:22px;padding:24px}.calc h2{margin:0 0 6px;font-size:18px;display:flex;align-items:center;gap:8px}.calc h2 .ico{color:var(--pri)}
.calc h3{font-size:14px;margin:22px 0 4px;color:var(--ink2);text-transform:uppercase;letter-spacing:.06em}
.side{position:sticky;top:86px}@media(max-width:960px){.side{position:static}}
label{display:block;font-size:13px;color:var(--mute);margin:14px 0 5px;font-weight:500}
input,select{width:100%;padding:11px 13px;border:1px solid #d9deea;border-radius:11px;font-size:15px;background:#fbfcfe;font-family:inherit;color:var(--ink);transition:border .15s,box-shadow .15s}input:focus,select:focus{outline:0;border-color:var(--pri);box-shadow:0 0 0 4px rgba(29,78,216,.12);background:#fff}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}.chk{display:flex!important;gap:10px;align-items:flex-start;margin-top:12px!important;font-size:14px;color:var(--ink)!important}.chk input{width:18px;height:18px;margin-top:3px;accent-color:var(--pri)}
.seg{display:flex;background:#f1f5f9;border-radius:13px;padding:4px;margin-bottom:18px}.seg button{flex:1;border:0;background:none;padding:10px;border-radius:10px;cursor:pointer;font-weight:700;color:var(--mute);font-family:inherit;font-size:14.5px}.seg button.on{background:#fff;color:var(--pri);box-shadow:0 2px 8px rgba(11,19,36,.08)}
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}@media(max-width:760px){.kpis{grid-template-columns:1fr 1fr}}@media(max-width:420px){.kpis{grid-template-columns:1fr}}
.kpi{background:#f8fafc;border:1px solid var(--line);border-radius:14px;padding:16px}.kpi b{display:block;font-size:24px;letter-spacing:-.02em;line-height:1.3;margin:2px 0}.kpi small{color:var(--mute);font-size:12.5px;line-height:1.5}
.kpi.hl{background:linear-gradient(135deg,#1d4ed8,#6d28d9);border:0;color:#fff}.kpi.hl small{color:#c7d2fe}
.kpi.shock{background:linear-gradient(135deg,#fef2f2,#fff7ed);border-color:#fecaca}.kpi.shock b{color:var(--bad)}
#tbl{width:100%;border-collapse:collapse;font-size:13.5px;font-variant-numeric:tabular-nums}#tbl th,#tbl td{padding:10px 8px;border-bottom:1px solid var(--line);text-align:right;white-space:nowrap}#tbl th:first-child,#tbl td:first-child{text-align:left;white-space:normal}#tbl th{color:var(--mute);font-weight:600;font-size:12px;text-transform:uppercase;letter-spacing:.03em}#tbl tfoot td{font-weight:800;border-bottom:0;font-size:15px}
.uv{color:#b45309;font-weight:700;cursor:help}
.bar{display:flex;height:14px;border-radius:999px;overflow:hidden;margin:20px 0 12px;gap:2px;background:#f1f5f9}.bar div{height:100%}
.legend{display:flex;flex-wrap:wrap;gap:8px 16px;font-size:13px;color:var(--ink2)}.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px}
.cmp{display:flex;align-items:center;gap:10px;font-size:13px;margin:6px 0}.cmp .nm{width:230px;flex:none;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;color:var(--ink2)}.cmp .tr{flex:1;background:#f1f5f9;border-radius:6px;height:18px}.cmp .fl{height:100%;border-radius:6px;background:linear-gradient(90deg,#93c5fd,#818cf8)}.cmp .v{width:76px;text-align:right;font-weight:700;font-variant-numeric:tabular-nums}.cmp.me .nm{font-weight:800;color:var(--pri)}.cmp.me .fl{background:linear-gradient(90deg,#1d4ed8,#6d28d9)}
@media(max-width:600px){.cmp .nm{width:118px}}
#cmp{max-height:520px;overflow:auto;padding-right:6px}
.warn{background:var(--warnb);border:1px solid #fde68a;border-radius:12px;padding:12px 14px;font-size:13.5px;margin-top:14px;color:#78350f}
.muted{color:var(--mute);font-size:13.5px}#srcs{padding-left:18px}#srcs li{margin:4px 0}
.chips{display:flex;flex-wrap:wrap;gap:6px;margin:8px 0 4px}.chips button{border:1px solid #c7d2fe;background:#eef2ff;color:var(--pri);border-radius:999px;padding:5px 11px;cursor:pointer;font-size:12.5px;font-weight:600;font-family:inherit}
.cta-side{background:linear-gradient(135deg,#0b1736,#312e81);color:#fff;border:0}.cta-side p{color:#c7d2fe;font-size:14.5px}
/* map */
.map{display:grid;grid-template-columns:repeat(4,1fr);grid-template-rows:repeat(4,92px);gap:10px}.map a{border-radius:14px;padding:12px;color:#fff;font-weight:800;display:flex;flex-direction:column;justify-content:space-between;font-size:15px;transition:transform .15s}.map a:hover{transform:scale(1.03);text-decoration:none}.map a small{font-weight:600;font-size:11.5px;opacity:.9}
.m-out{background:linear-gradient(135deg,#475569,#334155)}.m-mix{background:linear-gradient(135deg,#0d9488,#0f766e)}
@media(max-width:600px){.map{grid-template-rows:repeat(4,78px);gap:6px}.map a{font-size:12.5px;padding:8px}.map a small{font-size:10px}}
.agent{display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:center}.av{width:92px;height:92px;border-radius:24px;background:linear-gradient(135deg,var(--pri),var(--pri2));color:#fff;display:grid;place-items:center;font-size:34px;font-weight:800;box-shadow:var(--sh2)}
.list-ic{list-style:none;padding:0;margin:0}.list-ic li{display:flex;gap:12px;padding:10px 0;border-bottom:1px solid var(--line);color:var(--ink2)}.list-ic li:last-child{border:0}.list-ic .ico{color:var(--pri);margin-top:3px}
textarea{width:100%;padding:11px 13px;border:1px solid #d9deea;border-radius:11px;font:inherit;background:#fbfcfe}
.ph{background:#fef3c7;color:#92400e;padding:1px 6px;border-radius:6px;font-size:.92em}
.stat{font-size:30px;font-weight:800;letter-spacing:-.02em;background:linear-gradient(90deg,var(--pri),var(--pri2));-webkit-background-clip:text;background-clip:text;color:transparent}
.hgrid{display:grid;grid-template-columns:1.25fr .9fr;gap:48px;align-items:center}@media(max-width:960px){.hgrid{grid-template-columns:1fr}.hviz{display:none}}
.hv-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);backdrop-filter:blur(10px);border-radius:22px;padding:26px;box-shadow:0 30px 60px rgba(0,0,0,.3)}
.hv-h{font-size:12.5px;color:#a5b4fc;font-weight:600;margin-bottom:14px;letter-spacing:.02em}.hv-row{display:flex;justify-content:space-between;font-size:14px;color:#e2e8f0;margin-top:14px}.hv-row b{font-size:20px;color:#fff}.hv-row b.r{color:#fca5a5}
.hv-tr{height:10px;background:rgba(255,255,255,.1);border-radius:999px;margin-top:8px;overflow:hidden}.hv-tr div{height:100%;border-radius:999px;background:linear-gradient(90deg,#5eead4,#60a5fa)}.hv-tr div.r{background:linear-gradient(90deg,#fb923c,#f87171)}.hv-tr div.r2{background:linear-gradient(90deg,#f87171,#e11d48)}
.hv-f{margin-top:18px;padding-top:14px;border-top:1px solid rgba(255,255,255,.15);font-size:13px;color:#cbd5e1}.hv-f b{color:#fca5a5;font-size:16px}
#tbl{min-width:600px}
@media(max-width:600px){.agent{grid-template-columns:1fr;text-align:left}.av{width:72px;height:72px;font-size:26px;border-radius:20px}.kpi b{font-size:20px}.map{grid-template-rows:repeat(4,70px)}}
@media(max-width:420px){.kpis{grid-template-columns:1fr 1fr}}
.calc2{display:grid;grid-template-columns:1fr 370px;gap:22px;align-items:start;margin-top:0}@media(max-width:960px){.calc2{grid-template-columns:1fr}}.calc2>div{min-width:0}.calc2 .card{margin-bottom:22px;padding:24px}.calc2 h2{margin:0 0 6px;font-size:18px;display:flex;align-items:center;gap:8px}.calc2 h2 .ico{color:var(--pri)}
@media(min-width:1100px){.cmp2{column-count:2;column-gap:32px}.cmp2>*{break-inside:avoid}}
.loan-card{background:linear-gradient(135deg,#1e1b4b,#312e81 60%,#4c1d95);color:#e0e7ff;border:0}.loan-card ul{padding-left:18px;margin:10px 0 18px;font-size:14px}.loan-card p{color:#c7d2fe}
.lic2{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px;font-size:13px;color:var(--ink2);line-height:1.6}.lic2>div{background:#f8fafc;border:1px solid var(--line);border-radius:14px;padding:14px}.lic2 b{display:block;color:var(--ink);margin-bottom:4px}@media(max-width:600px){.lic2{grid-template-columns:1fr}}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0}.chip{display:inline-block;padding:7px 13px;border:1px solid var(--line);border-radius:999px;background:#fff;font-size:13.5px;color:var(--ink2);text-decoration:none}.chip:hover{border-color:var(--pri);color:var(--pri)}
.prose h2{font-size:22px;margin:34px 0 10px}.prose h2:first-child{margin-top:0}.prose p{line-height:1.8;color:var(--ink2)}.prose table{width:100%;border-collapse:collapse;font-size:14px}.prose th,.prose td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.prose th{background:#f8fafc;font-size:12.5px;color:var(--ink2)}
.faq{padding:16px 20px!important;margin:10px 0!important}.faq summary{font-weight:600;cursor:pointer}.faq p{margin:10px 0 0}
.cta-band{padding:30px!important}
.kpis .kpi span{display:block;font-size:12.5px;opacity:.8}.kpis .kpi small{display:block;font-size:12px;opacity:.75;margin-top:4px}