* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: system-ui, "Segoe UI", sans-serif;
  background: #f0f9ff;
  color: #0f172a;
  line-height: 1.72;
}
a { color: #0369a1; }

.sto-bar {
  background: #1e3a5f;
  color: #e0f2fe;
  padding: 14px 20px;
  position: sticky;
  top: 0;
  z-index: 40;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.sto-bar nav a { color: #7dd3fc; margin-right: 14px; text-decoration: none; font-size: 14px; font-weight: 600; }
.sto-btn {
  background: #ea580c;
  color: #fff !important;
  padding: 10px 20px;
  border-radius: 8px;
  font-weight: 700;
  text-decoration: none;
  border: none;
  cursor: pointer;
  font-size: 14px;
}

.sto-wrap { max-width: 880px; margin: 0 auto; padding: 28px 20px 56px; }
.sto-h1 { font-size: clamp(26px, 4vw, 38px); color: #1e3a5f; margin: 0 0 14px; }
.sto-lead { font-size: 18px; color: #475569; margin: 0 0 24px; }

.sto-table {
  width: 100%;
  border-collapse: collapse;
  margin: 20px 0;
  background: #fff;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 2px 12px rgba(30, 58, 95, 0.08);
}
.sto-table th, .sto-table td { border: 1px solid #e2e8f0; padding: 12px 14px; text-align: left; }
.sto-table th { background: #dbeafe; color: #1e40af; }

.sto-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 24px 0; }
@media (max-width: 640px) { .sto-cols { grid-template-columns: 1fr; } }
.sto-col {
  background: #fff;
  border: 2px solid #e2e8f0;
  border-radius: 12px;
  padding: 18px;
}
.sto-col h3 { margin: 0 0 10px; color: #1e3a5f; }

.sto-icons { display: flex; gap: 16px; flex-wrap: wrap; margin: 20px 0; }
.sto-icon { width: 56px; height: 56px; background: #fff; border-radius: 12px; padding: 10px; border: 1px solid #bae6fd; }

.sto-calc {
  background: #fff;
  border: 1px solid #cbd5e1;
  border-radius: 12px;
  padding: 20px;
  margin: 24px 0;
}
.sto-calc label { display: block; margin-bottom: 8px; font-weight: 600; }
.sto-calc input { width: 100%; max-width: 200px; padding: 8px; border-radius: 6px; border: 1px solid #cbd5e1; }
.sto-calc output { display: block; margin-top: 12px; font-size: 20px; color: #ea580c; font-weight: 700; }

.sto-contact { background: #fff; border-radius: 12px; padding: 20px; margin: 28px 0; border: 1px solid #e2e8f0; }
.sto-reveal { background: #1e3a5f; color: #fff; border: none; padding: 8px 16px; border-radius: 6px; cursor: pointer; font-weight: 600; }

.sto-faq details { background: #fff; border: 1px solid #e2e8f0; border-radius: 10px; padding: 12px 16px; margin-bottom: 8px; }
.sto-faq summary { font-weight: 700; cursor: pointer; }

.sto-sec { margin: 28px 0; }
.sto-sec h2 { color: #1e3a5f; font-size: 22px; margin: 0 0 12px; }

.sto-portal { text-align: center; background: linear-gradient(135deg, #1e3a5f, #2563eb); color: #fff; padding: 28px; border-radius: 14px; margin-top: 32px; }
.sto-portal a { color: #fde68a; font-size: 22px; font-weight: 800; }

.sto-foot { text-align: center; padding: 20px; color: #64748b; font-size: 14px; }

@media (prefers-reduced-motion: reduce) { *, *::before { animation: none !important; transition: none !important; } }