:root{--bg:#f8fafc;--card:#fff;--text:#0f172a;--muted:#64748b;--border:#e2e8f0;--accent:#0ea5e9;--accent-dark:#0369a1;--accent-soft:#f0f9ff;--warn-bg:#fffbeb;--warn-border:#fcd34d}*{box-sizing:border-box}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,PingFang SC,Microsoft YaHei,sans-serif;background:var(--bg);color:var(--text)}.container{max-width:960px;margin:0 auto;padding:32px 20px 64px}h1{font-size:28px;margin:0 0 8px}.card{background:var(--card);border:1px solid var(--border);border-radius:16px;box-shadow:0 1px 3px rgba(15,23,42,.06);padding:24px;margin-bottom:20px}.card h2{font-size:18px;margin:0 0 16px}.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));grid-gap:14px 16px;gap:14px 16px}.field label{display:block;font-size:13px;color:var(--muted);margin-bottom:6px}.field input,.field select{width:100%;padding:9px 12px;font-size:15px;border:1px solid var(--border);border-radius:8px;background:#fff;color:var(--text)}.checkbox-row{display:flex;align-items:center;gap:8px;font-size:14px;padding-top:24px}.btn{background:linear-gradient(135deg,#0ea5e9,#0369a1);display:inline-block;color:#fff;border:none;border-radius:10px;padding:13px 36px;font-size:16px;cursor:pointer;margin-top:8px}.btn:disabled{opacity:.6;cursor:not-allowed}.btn-secondary{background:#fff;color:var(--accent);border:1px solid var(--accent);padding:8px 16px;font-size:14px;margin-top:0;margin-left:8px}.error{background:#fef2f2;border:1px solid #fca5a5;color:#b91c1c;border-radius:8px;padding:12px 16px;margin-bottom:20px}.range-hero{text-align:center;padding:12px 0 4px}.range-hero .mid{font-size:44px;font-weight:700;color:var(--accent)}.range-hero .band{color:var(--muted);margin-top:6px}.range-hero .per-month{font-size:15px;margin-top:10px}.bars{margin-top:12px}.bar-row{display:flex;align-items:center;gap:10px;margin:8px 0;font-size:14px}.bar-row .label{width:130px;color:var(--muted)}.bar-track{flex:1 1;height:10px;background:#eef2f7;border-radius:6px;overflow:hidden}.bar-fill{height:100%;background:var(--accent);border-radius:6px}.bar-row .val{width:90px;text-align:right;font-feature-settings:"tnum";font-variant-numeric:tabular-nums}table.factors{width:100%;border-collapse:collapse;font-size:14px}table.factors td,table.factors th{text-align:left;padding:9px 8px;border-bottom:1px solid var(--border)}table.factors th{color:var(--muted);font-weight:500}table.factors td.num{font-feature-settings:"tnum";font-variant-numeric:tabular-nums}ul.recs{margin:0;padding-left:20px}ul.recs li{margin:8px 0;font-size:14px;line-height:1.6}.disclaimer{background:var(--warn-bg);border:1px solid var(--warn-border);border-radius:8px;padding:12px 16px;font-size:13px;color:#92400e;margin:8px 0}.item-block{border:1px solid var(--border);border-radius:10px;padding:16px;margin-bottom:14px;background:#fbfcfe}.item-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}.item-head strong{font-size:15px}.btn-small{color:var(--accent);border:1px solid var(--accent);border-radius:8px;padding:6px 14px}.btn-remove,.btn-small{background:#fff;font-size:13px;cursor:pointer}.btn-remove{color:#b91c1c;border:1px solid #fca5a5;border-radius:8px;padding:5px 12px}.add-row{margin-top:4px}.carrier-note{color:var(--muted);font-size:14px;margin:-8px 0 16px}.carrier-list{display:flex;flex-direction:column;gap:10px}.carrier-row{display:flex;align-items:center;gap:12px}.carrier-name{width:130px;flex-shrink:0;font-weight:600;font-size:14px}.carrier-track{flex:1 1;height:10px;background:var(--track);border-radius:5px;overflow:hidden}.carrier-fill{height:100%;background:linear-gradient(90deg,#22c55e,#eab308);border-radius:5px;transition:width .4s}.carrier-val{width:90px;flex-shrink:0;text-align:right;font-feature-settings:"tnum";font-variant-numeric:tabular-nums;font-size:14px}.brand{display:flex;align-items:center;gap:16px;margin-bottom:8px}.brand-logo{width:56px;height:56px;border-radius:12px;flex-shrink:0}.brand h1{margin:0}.site-footer{margin-top:32px;padding:16px;font-size:12.5px;color:var(--muted);border-top:1px solid var(--border);line-height:1.6}.site-footer strong{color:var(--text)}.ins-tabs{margin:16px 0 24px}.ins-tab,.ins-tabs{display:flex;gap:8px}.ins-tab{padding:10px 24px;border:2px solid var(--border);border-radius:999px;background:var(--card);font-size:15px;font-weight:600;cursor:pointer;align-items:center;transition:all .2s}.ins-tab.active{border-color:#2563eb;color:#2563eb;background:#eff6ff}.slogan{font-size:18px;font-weight:600;background:linear-gradient(135deg,#0ea5e9,#14b8a6);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;margin:4px 0 8px}.tab-sub{color:var(--muted);font-size:14.5px;margin:0 0 24px;line-height:1.5}.card-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px}.card-head h2{margin:0}.muted-note{color:var(--muted);font-size:14px;margin:0;line-height:1.6}.container{max-width:1280px}.page-layout{display:flex;gap:28px;align-items:flex-start}.main-col{flex:1 1;min-width:0}.sidebar{width:300px;flex-shrink:0;position:-webkit-sticky;position:sticky;top:20px;gap:20px;padding-top:96px}.ad-slot,.sidebar{display:flex;flex-direction:column}.ad-slot{border:1px solid var(--border);border-radius:12px;background:var(--card);min-height:250px;align-items:center;justify-content:center;text-align:center;padding:16px;position:relative}.ad-label{position:absolute;top:8px;font-size:10px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}.ad-placeholder p{color:var(--muted);font-size:13px;margin:0}.ad-placeholder{border-style:dashed;background:#f8fafc}.faq-item{border-top:1px solid var(--border)}.faq-item:last-child{border-bottom:1px solid var(--border)}.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:12px;background:none;border:none;padding:14px 4px;font-size:15px;font-weight:600;color:var(--text);cursor:pointer;text-align:left}.faq-chev{font-size:20px;color:var(--accent-dark);flex-shrink:0}.faq-a{margin:0 0 16px;padding:0 4px;color:var(--muted);font-size:14px;line-height:1.65}@media (max-width:1100px){.page-layout{flex-direction:column}.sidebar{width:100%;position:static;padding-top:0;flex-direction:row;flex-wrap:wrap}.sidebar .ad-slot{flex:1 1 280px;min-height:180px}}