.ct-wrap{max-width:1180px;margin:0 auto;padding-left:20px;padding-right:20px}.ct-hero{padding:40px 0 56px;background:linear-gradient(180deg,#eef3ff,#f7f9fe)}.ct-hero__grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:40px;align-items:start}.ct-hero__copy{display:flex;flex-direction:column;gap:16px;min-width:0;padding-top:8px}.ct-crumbs{display:flex;flex-wrap:wrap;gap:8px;font-size:.875rem;color:#64748b}.ct-crumbs a{color:#64748b;text-decoration:none}.ct-crumbs a:hover{color:#2e3fb1}.ct-hero h1{margin:0!important;font-size:clamp(2rem,4vw,3rem);font-weight:700;line-height:1.08;color:#111827;text-wrap:balance}.ct-lead{margin:0!important;font-size:1.0625rem!important;line-height:1.65;color:#334155}.ct-lead a{color:#2e3fb1}.ct-short{padding:16px 18px;border-radius:16px;background:#fff;border:1px solid #e3e8f5}.ct-short p{margin:0!important;font-size:.95rem!important;line-height:1.6;color:#475569}.ct-short__t{margin:0 0 6px!important;font-size:.75rem!important;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#2e3fb1!important}.ct-hero__calc{min-width:0}.ct-hero__calc .calc-tool-container{max-width:none;margin:0}.ct-hero__calc .calc-card{margin-bottom:14px;border-radius:20px;box-shadow:0 20px 50px -30px #171e6c59}.ct-hero__calc .calc-card:last-child{margin-bottom:0}.ct-presets{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}.ct-preset{padding:7px 12px;border-radius:999px;border:1px solid #d5d9ef;background:#fff;color:#2e3fb1;font-size:.8rem;font-weight:600;cursor:pointer;transition:border-color .15s,background .15s}.ct-preset:hover{border-color:#2e3fb1;background:#eef2ff}.ct-preset:focus-visible{outline:2px solid #2e3fb1;outline-offset:2px}.ct-split{display:flex;flex-wrap:wrap;justify-content:center;gap:6px 14px;margin-top:10px;font-size:.92rem;color:#334155}.ct-split b{color:#111827}.ct-sec{padding:64px 0;background:#fff}.ct-sec.is-alt{background:#f5f7fc}.ct-sec h2{margin:0 0 12px!important;font-size:clamp(1.5rem,2.6vw,2rem);font-weight:700;line-height:1.2;color:#111827;text-wrap:balance}.ct-sec__lead{max-width:760px;margin:0 0 24px!important;color:#475569;line-height:1.6}.ct-ex{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:40px;align-items:center}.ct-ex__copy p{margin:0 0 12px!important;font-size:1rem;line-height:1.7;color:#334155}.ct-ex__calc{padding:22px 24px;border-radius:20px;background:#f5f7fc;border:1px solid #e3e8f5}.ct-ex__row{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px dashed #d6dcea;font-size:.95rem}.ct-ex__row span{color:#64748b}.ct-ex__row b{color:#111827;text-align:right;font-variant-numeric:tabular-nums}.ct-ex__row.is-sum{border-bottom:0;margin-top:6px;padding:14px 16px;border-radius:12px;background:#2e3fb1}.ct-ex__row.is-sum span,.ct-ex__row.is-sum b{color:#fff;font-weight:700}.ct-table-wrap{overflow-x:auto;border-radius:16px;border:1px solid #e3e8f5;background:#fff}.ct-table{width:100%;border-collapse:collapse;font-size:.95rem}.ct-table th,.ct-table td{padding:14px 18px;text-align:left;border-top:1px solid #e3e8f5;vertical-align:top}.ct-table thead th{border-top:0;background:#fafbfe;font-size:.75rem;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:#5a6080}.ct-table tbody th{font-weight:600;color:#1f2937;width:42%}.ct-table td{color:#334155;font-variant-numeric:tabular-nums}.ct-src{margin:14px 0 0!important;font-size:.85rem;color:#64748b}.ct-src a{color:#2e3fb1}.ct-content{padding:56px 0 24px}.ct-main{max-width:820px;margin:0 auto;padding:0 20px}.ct-toc{margin-bottom:28px;padding:20px 22px;border-radius:16px;background:#f5f7fc}.ct-toc__t{margin:0 0 10px!important;font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#64748b}.ct-toc__list{margin:0;padding:0 0 0 20px;columns:2;column-gap:28px;font-size:.92rem;line-height:1.5}.ct-toc__list li{margin:0 0 6px;break-inside:avoid;color:#94a3b8}.ct-toc__list a{color:#1e293b;text-decoration:none;font-weight:500}.ct-toc__list a:hover{color:#2e3fb1;text-decoration:underline}.ct-main figure{margin:28px 0}.ct-main figure img{display:block;width:100%;height:auto;border-radius:16px;background:#e8eef4}.ct-main figcaption{margin-top:8px;font-size:.85rem;color:#64748b;text-align:center}.ct-author{margin-top:16px}.ct-more{max-width:1180px;margin:48px auto 0;padding:36px;border-radius:24px;background:#f5f7fc}.ct-more__head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:20px}.ct-more__head h2{margin:0!important;font-size:1.6rem;font-weight:700;color:#111827}.ct-more__head a{color:#2e3fb1;font-weight:600;text-decoration:none}.ct-more__grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:12px}.ct-more__card{display:flex;flex-direction:column;gap:4px;padding:16px 18px;border-radius:14px;background:#fff;border:1px solid #e3e8f5;text-decoration:none;transition:border-color .15s,transform .15s}.ct-more__card:hover{border-color:#c7cdee;transform:translateY(-2px)}.ct-more__card b{color:#111827;font-size:.95rem}.ct-more__card span{color:#64748b;font-size:.82rem}.ct-more__cols{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-top:28px}.ct-more__cols h3{margin:0 0 10px!important;font-size:1rem!important;font-weight:700}.ct-more__cols h3 a{color:#111827;text-decoration:none}.ct-more__cols ul{margin:0;padding:0;list-style:none;display:flex;flex-direction:column;gap:6px}.ct-more__cols li a{color:#334155;font-size:.9rem;text-decoration:none}.ct-more__cols li a:hover{color:#2e3fb1;text-decoration:underline}@media (max-width:960px){.ct-hero__grid,.ct-ex{grid-template-columns:1fr}.ct-hero__calc{order:2}.ct-short{order:3}.ct-more__cols{grid-template-columns:1fr}}@media (max-width:640px){.ct-hero{padding:24px 0 40px}.ct-sec{padding:44px 0}.ct-toc__list{columns:1}.ct-more{padding:22px;border-radius:0}.ct-table th,.ct-table td{padding:12px}}.dark .ct-hero{background:#111827}.dark .ct-hero h1,.dark .ct-sec h2,.dark .ct-more__head h2,.dark .ct-ex__row b{color:#f3f4f6}.dark .ct-short,.dark .ct-ex__calc,.dark .ct-table-wrap,.dark .ct-more__card{background:#1f2937;border-color:#374151}.dark .ct-sec,.dark .ct-sec.is-alt,.dark .ct-more,.dark .ct-toc{background:#111827}.calc-label-strong{display:block;margin:0 0 10px!important;font-size:1rem;font-weight:700;color:#111827}.ct-hero__calc input[type=number],.ct-hero__calc input[type=text],.ct-hero__calc input[type=date],.ct-hero__calc select{width:100%;height:48px;padding:0 14px;border:1px solid #d6dcea;border-radius:12px;background:#f8fafd;font:inherit;font-size:1rem;color:#111827;transition:border-color .15s,background .15s,box-shadow .15s}.ct-hero__calc input:focus,.ct-hero__calc select:focus{outline:none;border-color:#2e3fb1;background:#fff;box-shadow:0 0 0 4px #2e3fb11f}.ct-hero__calc .calc-row{background:#f8fafd;border-radius:14px}.ct-hero__calc label{font-size:.85rem;font-weight:600;color:#1f2937}.ct-hero__calc input[type=number],.ct-hero__calc input[type=text],.ct-hero__calc input[type=date],.ct-hero__calc select{height:48px!important;min-height:48px!important;padding:0 14px!important;line-height:46px!important;border-radius:12px!important}@media (max-width:960px){.ct-hero__copy{display:contents}.ct-crumbs,.ct-hero h1,.ct-lead{order:1}.ct-hero__calc{order:2}.ct-short{order:3}.ct-hero__grid{gap:18px}}.ct-next{margin:36px 0 8px}.ct-next h2{margin:0 0 14px!important;font-size:1.5rem;font-weight:700;color:#111827}.ct-next__grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.ct-next__card{display:flex;flex-direction:column;gap:4px;padding:16px 18px;border-radius:14px;background:#fff;border:1px solid #e3e8f5;text-decoration:none;transition:border-color .15s,transform .15s}.ct-next__card:hover{border-color:#c7cdee;transform:translateY(-2px)}.ct-next__kind{align-self:flex-start;padding:3px 8px;border-radius:6px;background:#eaf1ff;color:#2e3fb1;font-size:.7rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase}.ct-next__card b{color:#111827;font-size:1rem}.ct-next__d{color:#64748b;font-size:.875rem}@media (max-width:640px){.ct-next__grid{grid-template-columns:1fr}}.ct-short a{color:#2e3fb1}.ct-hero__calc .form-control{max-width:none!important}.ct-hero__calc .calc-tool-container{display:block!important}
