.biz-shell{max-width:1200px;margin:0 auto;padding:24px 16px 60px}.biz-breadcrumb{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px;color:#5c6b82;font-size:14px}.biz-breadcrumb a{color:#315f9d;text-decoration:none}.biz-breadcrumb a:hover{text-decoration:underline}.biz-hero{display:grid;gap:16px;padding:32px;border:1px solid #d9e2ef;border-radius:16px;background:linear-gradient(135deg,#f8fbff 0,#eef4ff 100%);margin-bottom:28px}.biz-hero h1{margin:0;color:#182033;font-size:clamp(28px,4vw,44px);line-height:1.15;letter-spacing:-.02em}.biz-hero p{max-width:800px;margin:0;color:#42516b;font-size:17px;line-height:1.65}.biz-hero-badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:4px}.biz-badge{display:inline-flex;align-items:center;gap:6px;padding:6px 12px;border-radius:20px;background:#fff;border:1px solid #d9e2ef;color:#315f9d;font-size:13px;font-weight:600}.biz-hub-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px;margin-top:20px}.biz-hub-card{display:flex;flex-direction:column;gap:10px;padding:20px;border:1px solid #d9e2ef;border-radius:12px;background:#fff;text-decoration:none;transition:all .2s ease}.biz-hub-card:hover{border-color:#315f9d;box-shadow:0 8px 24px rgba(49,95,157,.12);transform:translateY(-2px)}.biz-hub-card-icon{width:44px;height:44px;display:flex;align-items:center;justify-content:center;border-radius:10px;background:#eef4ff;color:#315f9d;font-size:22px}.biz-hub-card h3{margin:0;color:#182033;font-size:17px;font-weight:700}.biz-hub-card p{margin:0;color:#5c6b82;font-size:14px;line-height:1.5;flex:1}.biz-hub-card .biz-card-count{color:#315f9d;font-size:13px;font-weight:600}.biz-layout{grid-template-columns:minmax(0,1fr) 300px;align-items:start}.biz-layout,.biz-main{display:grid;gap:24px}.biz-panel{border:1px solid #d9e2ef;border-radius:12px;background:#fff;padding:24px}.biz-panel h2{margin:0 0 16px;color:#1f2937;font-size:22px;letter-spacing:0}.biz-panel h3{margin:0 0 12px;color:#1f2937;font-size:18px}.biz-form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.biz-field{display:grid;gap:6px}.biz-field label{color:#273449;font-size:14px;font-weight:700}.biz-field input,.biz-field select{width:100%;min-height:44px;box-sizing:border-box;border:1px solid #c8d3e2;border-radius:8px;padding:10px 12px;font:inherit;color:#172033;background:#fff}.biz-field input:focus,.biz-field select:focus{outline:3px solid rgba(47,111,191,.18);border-color:#2f6fbf}.biz-field .biz-hint{color:#8a97ab;font-size:12px;font-weight:400}.biz-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}.biz-btn{min-height:44px;border:0;border-radius:8px;padding:10px 20px;background:#214f86;color:#fff;font-weight:700;font-size:15px;cursor:pointer;transition:background .2s}.biz-btn:hover{background:#1a3f6b}.biz-btn.secondary{border:1px solid #c8d3e2;background:#fff;color:#214f86}.biz-btn.secondary:hover{background:#f8fbff}.biz-btn.download{background:#0e7a4d}.biz-btn.download:hover{background:#0b5f3c}.biz-result{display:none;margin-top:20px;border:1px solid #b8d7c4;border-radius:12px;padding:20px;background:#f4fbf6}.biz-result.show{display:block}.biz-result-title{display:block;margin-bottom:10px;color:#12512d;font-size:20px;font-weight:700}.biz-metrics{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px;margin-top:14px}.biz-metric{border:1px solid #d9e2ef;border-radius:10px;padding:14px;background:#fff}.biz-metric span,.biz-note{color:#607089;font-size:13px}.biz-metric span{display:block}.biz-metric b{display:block;margin-top:5px;color:#172033;font-size:18px}.biz-metric .biz-positive{color:#0e7a4d}.biz-metric .biz-negative{color:#c2413a}.biz-note{margin-top:12px;line-height:1.6}.biz-chart h4,.biz-report h4{margin:0 0 12px;color:#273449;font-size:15px}.biz-chart canvas{width:100%;max-height:280px}.biz-chart,.biz-report{margin-top:16px;border:1px solid #d9e2ef;border-radius:10px;padding:16px;background:#fff}.biz-report h4{margin:0 0 10px}.biz-report table,.biz-section table{width:100%;border-collapse:collapse;font-size:14px}.biz-report td,.biz-report th{border:1px solid #d9e2ef;padding:8px 10px;text-align:left}.biz-report th{background:#f3f6fa;color:#273449;font-weight:700}.biz-report-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}.biz-sidebar{border:1px solid #d9e2ef;border-radius:12px;background:#fff;padding:18px;position:sticky;top:16px}.biz-section h2,.biz-sidebar h2{margin:0 0 14px;color:#1f2937;font-size:18px}.biz-links{display:grid;gap:8px}.biz-links a,.biz-section{border:1px solid #d9e2ef;background:#fff}.biz-links a{display:block;border-radius:8px;padding:10px 12px;color:#214f86;text-decoration:none;font-size:14px}.biz-links a:hover{border-color:#214f86;background:#f8fbff}.biz-links a.biz-active{border-color:#214f86;background:#eef4ff;font-weight:700}.biz-section{border-radius:12px;padding:24px}.biz-section h2{font-size:22px}.biz-section h3{margin:18px 0 10px;color:#273449;font-size:17px}.biz-section li,.biz-section p{color:#3d4a5e;line-height:1.7;font-size:15px}.biz-section ul{padding-left:20px;margin:8px 0}.biz-section table{margin-top:12px}.biz-section td,.biz-section th{border:1px solid #d9e2ef;padding:10px;text-align:left;vertical-align:top}.biz-section th{background:#f3f6fa;color:#273449}.biz-faq{margin-top:12px}.biz-faq-item{border:1px solid #d9e2ef;border-radius:8px;margin-bottom:10px;overflow:hidden}.biz-faq-item summary{padding:14px 16px;cursor:pointer;font-weight:600;color:#273449;background:#f8fbff;list-style:none}.biz-faq-item summary::-webkit-details-marker{display:none}.biz-faq-item summary::after{content:'+';float:right;font-size:18px;color:#315f9d}.biz-faq-item[open] summary::after{content:'\2212'}.biz-faq-item p{padding:0 16px 14px;margin:0;color:#3d4a5e;font-size:14px;line-height:1.6}.biz-formula{margin:12px 0;padding:14px 16px;border-left:4px solid #315f9d;background:#f0f5fc;border-radius:0 8px 8px 0;font-family:'SF Mono','Cascadia Code',Consolas,monospace;font-size:14px;color:#1a3f6b;overflow-x:auto;white-space:nowrap}@media (max-width:900px){.biz-layout{grid-template-columns:1fr}.biz-sidebar{position:static}}@media (max-width:640px){.biz-form-grid{grid-template-columns:1fr}.biz-hero{padding:22px}.biz-panel,.biz-section{padding:18px}.biz-hub-grid,.biz-metrics{grid-template-columns:1fr}}