:root{--navy:#061a44;--blue:#0b3f91;--cyan:#16b8d7;--bg:#f4f7fb;--text:#14213d;--muted:#667085;--line:#dbe3ef;--gold:#d7a52a}*{box-sizing:border-box}body{margin:0;font-family:Inter,Arial,"PingFang SC","Microsoft YaHei",sans-serif;background:var(--bg);color:var(--text);line-height:1.55}a{text-decoration:none;color:inherit}.wrap{width:min(860px,92%);margin:auto}.top{background:var(--navy);color:#fff}.nav{min-height:66px;display:flex;align-items:center;justify-content:space-between;gap:16px}.brand{font-size:22px;font-weight:950}.right{display:flex;gap:10px;align-items:center}.lang,.back{border:0;border-radius:9px;padding:9px 12px;font:inherit}.back{background:#16b8d7;color:#fff;font-weight:850}.hero{background:radial-gradient(circle at 85% 10%,#0d5db8 0,transparent 34%),linear-gradient(135deg,#041333,#082c67);color:#fff;padding:54px 0}.eyebrow{font-size:12px;font-weight:900;letter-spacing:1.5px;color:#7de4f3}.hero h1{font-size:clamp(36px,6vw,56px);margin:7px 0 9px;line-height:1.05}.hero p{color:#dbe8fb;margin:0;max-width:680px}.main{padding:38px 0 58px}.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:0 16px 40px #061a4410}.choice{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:20px}.choice label{position:relative;border:2px solid var(--line);border-radius:13px;padding:15px;cursor:pointer}.choice input{position:absolute;opacity:0}.choice label:has(input:checked){border-color:var(--cyan);background:#effbfe}.choice strong{display:block;font-size:17px;color:var(--navy)}.choice span{font-size:13px;color:var(--muted)}.field{display:grid;gap:7px;margin-bottom:14px}.field label{font-weight:800}.field input,.field select{width:100%;border:1px solid #cbd5e1;border-radius:9px;padding:11px;background:#fff;font:inherit}.check{display:flex;gap:9px;color:var(--muted);font-size:13px;margin:16px 0}.btn{width:100%;border:0;border-radius:10px;padding:13px 16px;background:linear-gradient(135deg,var(--cyan),#1678d2);color:#fff;font-weight:900;font:inherit;cursor:pointer}.btn:disabled{opacity:.6;cursor:not-allowed}.note{margin:0 0 20px;padding:13px 15px;border-left:4px solid var(--gold);border-radius:9px;background:#fff7dc;color:#5a4300;font-size:13px}.result{display:none;margin-top:14px;padding:12px;border-radius:9px;background:#fff0ea;color:#9c341b}.mini{margin-top:16px;color:var(--muted);font-size:12px}.footer{background:#020b1e;color:#b8c5dc;padding:28px 0;font-size:13px}.footer-links{display:flex;gap:14px;flex-wrap:wrap;margin-top:8px}.footer a{text-decoration:underline}.risk{color:#ffdede}@media(max-width:620px){.nav{padding:12px 0;align-items:flex-start;flex-direction:column}.right{width:100%}.lang,.back{flex:1}.choice{grid-template-columns:1fr}.card{padding:20px}}