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h2{font-size:1.3rem}.kk{display:flex;gap:14px;align-items:center;background:#f6f9ff;border:1px solid var(--ln);border-radius:18px;padding:18px 20px;color:var(--b)}.kk b,.kk span{color:var(--ink)}.kk b{display:block}.kk:hover{border-color:var(--b)}@media(max-width:900px){.kgrid{grid-template-columns:minmax(0,1fr)}}.faq{border:1px solid var(--ln);border-radius:16px;background:#fff;margin-bottom:12px;padding:0 22px}.faq summary{cursor:pointer;font-weight:700;padding:18px 0;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";float:right;color:var(--b);font-size:1.3rem;line-height:1}.faq[open] summary:after{content:"−"}.faq p{padding:0 0 18px;color:var(--mut)}.kf{background:#0a1a3d;color:#b9c6e3;padding:64px 0 0}.kf-in{max-width:1240px;margin:0 auto;padding:0 24px 40px;display:grid;grid-template-columns:1.7fr 1.1fr 1.1fr 1fr 1.1fr;grid-gap:32px;gap:32px}.kf h2{font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;color:#fff;margin-bottom:14px}.kf ul{list-style:none;margin:0;padding:0;display:grid;grid-gap:9px;gap:9px;font-size:.9rem}.kf a{color:#c9d5ee}.kf a:hover{color:#fff;text-decoration:underline}.kf :focus-visible{outline-color:#fff}.kf-brand img{height:auto;width:52px}.kf-brand b{display:block;color:#fff;margin:10px 0 6px;font-size:1.02rem}.kf-brand p{font-size:.88rem;max-width:340px}.kf-copy{border-top:1px solid #ffffff22;padding:20px 24px;display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between;max-width:1240px;margin:0 auto;font-size:.8rem;color:#93a4cc}@media(max-width:1000px){.kf-in{grid-template-columns:1fr 1fr}.kf-brand{grid-column:1/-1}}@media(max-width:520px){.kf-in{grid-template-columns:1fr 1fr;gap:26px 18px}}@media(max-width:1200px){.kh-cta,.kn{display:none}.kh{position:relative}.kh-in{height:64px}.kh-burger{display:grid;place-items:center;position:fixed;top:12px;right:14px;z-index:90;width:48px;height:48px;border-radius:50%;border:0;background:var(--b);box-shadow:0 8px 22px rgba(36,87,197,.4);cursor:pointer}.m-menu{display:block;position:fixed;inset:0;z-index:80;background:#fff;padding:84px 24px 32px;overflow-y:auto}.m-menu[hidden]{display:none!important}.m-menu ul{list-style:none;margin:0;padding:0}.m-menu>ul>li>a{display:block;padding:14px 4px;font-weight:700;font-size:1.1rem;border-bottom:1px solid var(--ln)}.m-sub{display:grid;grid-template-columns:1fr 1fr;grid-gap:4px 12px;gap:4px 12px;padding:8px 0 10px 8px!important}.m-sub a{display:block;padding:7px 0;color:var(--mut);font-size:.9rem}.m-act{display:grid;grid-gap:12px;gap:12px;margin-top:22px}}@media(max-width:420px){.m-sub{grid-template-columns:1fr}}.bhs{background:#fff}.kb-ghost{background:transparent;color:#fff;border-color:#ffffff88}.kb-ghost:hover{background:#ffffff1f}.cta-act{display:flex;flex-wrap:wrap;gap:12px}.calc{max-width:980px;margin:0 auto}.calc-in{background:#fff;border:1px solid var(--ln);border-radius:24px;padding:30px;box-shadow:0 12px 40px rgba(36,87,197,.08)}.calc-in h2{font-size:1.4rem;font-weight:800;margin-bottom:18px}.calc-row{display:flex;flex-wrap:wrap;gap:14px;align-items:center;justify-content:space-between}.calc-l{font-weight:700}.calc-n{font:inherit;font-size:1.6rem;font-weight:800;width:190px;max-width:100%;padding:10px 16px;border:2px solid #cfd9ee;border-radius:14px;color:var(--b);text-align:right}.calc-n:focus{border-color:var(--b);outline:3px solid #c9dafc}.calc-n[aria-invalid=true]{border-color:#c2273d}.calc-s{width:100%;margin:22px 0 4px;accent-color:#2457c5;height:28px}.calc-sc{display:flex;justify-content:space-between;font-size:.78rem;color:var(--mut)}.calc-hint{color:var(--mut);font-size:.9rem;margin-top:12px}.calc-err{color:#b4202f;font-weight:700;font-size:.92rem;min-height:1.2em;margin-top:6px}.calc-note{background:#fff7e0;border:1px solid #f0d58a;border-radius:14px;padding:14px 18px;margin-top:22px;color:#5c4400;font-size:.93rem}.calc-sub{font-size:1.2rem;font-weight:800;margin:34px 0 14px}.schemes{display:grid;grid-gap:16px;gap:16px}.schemes.n3{grid-template-columns:repeat(3,minmax(0,1fr))}.schemes.n2{grid-template-columns:repeat(2,minmax(0,1fr))}.sk{--ac:#2457c5;text-align:left;font:inherit;background:#fff;border:2px solid var(--ln);border-radius:22px;padding:22px;display:flex;flex-direction:column;gap:6px;cursor:pointer;transition:border-color .15s,box-shadow .15s}.sk.on,.sk:hover{border-color:var(--ac)}.sk.on{box-shadow:0 0 0 4px color-mix(in srgb,var(--ac) 18%,transparent)}.sk-top{display:flex;align-items:center;gap:8px;flex-wrap:wrap}.sk-top b{font-size:1.05rem;color:var(--ac)}.sel{font-style:normal;font-size:.68rem;padding:3px 10px;border-radius:999px;background:#fff0df;color:#9a4a05;background:var(--sky);color:var(--b2)}.sel,.sk-p{font-weight:800}.sk-p{font-size:clamp(1.3rem,2.4vw,1.75rem);line-height:1.15;word-break:break-word}.sk-p small{font-size:.8rem;font-weight:600;color:var(--mut)}.sk-s{font-size:.86rem;color:var(--mut)}.sk.hub{margin-top:16px;cursor:default;border-style:dashed}.sk.hub b{color:var(--b)}.calc-inc{margin-top:26px;background:#f6f9ff;border:1px solid var(--ln);border-radius:22px;padding:26px}.calc-inc h3{font-size:1.1rem;margin-bottom:12px}.calc-wa{margin-top:20px;display:flex;flex-wrap:wrap;gap:16px;align-items:end;justify-content:space-between}.calc-wa p{flex:1 1 260px;font-size:.93rem}.calc-wa label{display:grid;grid-gap:4px;gap:4px;font-weight:700;font-size:.85rem;flex:1 1 220px}.calc-wa select{font:inherit;font-weight:400;padding:12px;border:1.5px solid #cfd9ee;border-radius:12px}.calc-wa select,.tco-svg{background:#fff;width:100%}.tco-svg{height:auto;display:block;border:1px solid var(--ln);border-radius:18px;margin-top:8px}.legend{list-style:none;display:flex;flex-wrap:wrap;gap:16px;padding:0;margin:14px 0;font-size:.88rem;font-weight:600}.legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px}.tbl-wrap{overflow-x:auto;max-width:100%}.tco-t{width:100%;border-collapse:collapse;font-size:.92rem;background:#fff;border:1px solid var(--ln)}.tco-t td,.tco-t th{padding:11px 14px;text-align:left;border-bottom:1px solid var(--ln);white-space:nowrap}.tco-t thead th{background:#f2f6ff}.tco-t td.low{background:#e6f6ee;font-weight:700}.tco-t td small{color:#0f6b44;font-weight:700}.tco-t tr.cur td,.tco-t tr.cur th{background:var(--sky);font-weight:700}.impas{margin-top:22px}.impas h3{font-size:1.05rem;margin-bottom:8px}.impas ul{margin:0;padding-left:20px;color:#24324f;display:grid;grid-gap:8px;gap:8px;font-size:.93rem}.rtbl{margin-top:10px}@media(max-width:820px){.schemes.n2,.schemes.n3{grid-template-columns:minmax(0,1fr)}.calc-in{padding:22px}}.calc-ppn{font-size:.9rem;color:var(--mut);margin:-4px 0 14px}.calc-ppn b{color:var(--ink)}.tco-t.bd td{white-space:normal;min-width:180px;vertical-align:top}.tco-t.bd th[scope=row]{white-space:normal;min-width:120px}.tco{margin-top:10px}