:root{--blue:#0758D5;--navy:#07255F;--orange:#FF9116;--yellow:#FFD33D;--white:#F5F9FF;--text:#1b2540;--muted:#5d6a85;--line:#e3eaf6;--r:14px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{font-family:"Plus Jakarta Sans",system-ui,sans-serif;color:var(--text);background:#fff;line-height:1.6;font-size:15px}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
.dc-wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.dc-center{text-align:center}
.dc-anchor{position:absolute;top:-90px}

/* header */
.dc-header{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 2px 14px rgba(7,37,95,.06)}
.dc-header__in{display:flex;align-items:center;justify-content:space-between;height:66px}
.dc-logo img{height:50px;width:auto}
.dc-nav{display:flex;gap:6px}
.dc-nav a{font-size:13.5px;font-weight:700;color:var(--navy);padding:8px 16px;border-radius:999px;transition:.2s}
.dc-nav a:hover{color:var(--blue)}
.dc-nav a.is-active{background:var(--blue);color:#fff}
.dc-burger{display:none;background:none;border:0;cursor:pointer;padding:6px}
.dc-burger span{display:block;width:24px;height:3px;background:var(--navy);margin:4px 0;border-radius:3px}

/* buttons */
.dc-btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-weight:700;border-radius:999px;padding:13px 26px;border:0;cursor:pointer;font-family:inherit;font-size:15px;transition:.2s}
.dc-btn--orange{background:linear-gradient(90deg,#ff7a00,var(--orange));color:#fff;box-shadow:0 8px 20px rgba(255,145,22,.35)}
.dc-btn--orange:hover{transform:translateY(-2px)}
.dc-btn--blue{background:var(--blue);color:#fff;border-radius:8px}
.dc-btn--blue:hover{background:#0649b3}
.dc-btn--full{width:100%}
.dc-btn--ghost{border:1.5px solid var(--blue);color:var(--blue);padding:8px 18px;font-size:13px}

/* hero */
.dc-hero{background:linear-gradient(110deg,#fff 0%,#eef4ff 45%,#dbe8ff 100%);overflow:hidden}
.dc-hero__in{display:grid;grid-template-columns:1fr 1.05fr;align-items:center;gap:20px;min-height:330px}
.dc-hero__txt{padding:34px 0}
.dc-badge{display:inline-block;background:#fff1e0;color:#e87800;font-size:12px;font-weight:700;padding:5px 14px;border-radius:999px;margin-bottom:16px}
.dc-hero h1{font-size:clamp(30px,4.2vw,46px);line-height:1.12;font-weight:800;color:var(--navy);margin-bottom:16px}
.dc-hero h1 span{color:var(--blue)}
.dc-hero p{color:var(--muted);max-width:470px;margin-bottom:24px}
.dc-hero__img img{width:100%;-webkit-mask-image:linear-gradient(90deg,transparent 0,#000 12%);mask-image:linear-gradient(90deg,transparent 0,#000 12%)}

/* quick cards */
.dc-quick{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:-6px;position:relative;z-index:2}
.dc-qcard{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px 18px 34px;position:relative;box-shadow:0 8px 24px rgba(7,37,95,.06);transition:.2s}
.dc-qcard:hover{transform:translateY(-3px)}
.dc-qcard__ic{flex:0 0 42px;height:42px;border-radius:10px;display:grid;place-items:center;font-size:22px;font-weight:800;color:var(--orange);background:#fff5ea}
.dc-qcard strong{display:block;font-size:14.5px;color:var(--navy)}
.dc-qcard small{display:block;font-size:12px;color:var(--muted);line-height:1.45;margin-top:2px}
.dc-qcard i{position:absolute;right:16px;bottom:12px;font-style:normal;width:24px;height:24px;border-radius:50%;display:grid;place-items:center;font-size:13px;color:var(--blue);background:#eef4ff}
.dc-qcard.is-on{background:var(--blue);border-color:var(--blue)}
.dc-qcard.is-on strong,.dc-qcard.is-on small{color:#fff}
.dc-qcard.is-on .dc-qcard__ic{background:rgba(255,255,255,.18);color:#fff}
.dc-qcard.is-on i{background:#fff;color:var(--blue)}

/* calculator */
.dc-calc{position:relative;display:grid;grid-template-columns:1.25fr 1fr;gap:24px;margin-top:22px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:0 10px 30px rgba(7,37,95,.07)}
.dc-calc__head{display:flex;gap:14px;align-items:center;margin-bottom:16px}
.dc-calc__ic{width:54px;height:54px;border-radius:12px;background:linear-gradient(135deg,#ff7a00,var(--orange));color:#fff;display:grid;place-items:center;font-size:26px;font-weight:800}
.dc-calc h2{font-size:22px;font-weight:800;color:var(--navy)}
.dc-calc__head p{font-size:13px;color:var(--muted)}
.dc-tabs{display:flex;gap:6px;margin-bottom:16px;background:var(--white);padding:4px;border-radius:10px;width:max-content}
.dc-tabs button{border:0;background:none;font:600 13px inherit;font-family:inherit;padding:7px 14px;border-radius:8px;color:var(--muted);cursor:pointer}
.dc-tabs button.is-on{background:#fff;color:var(--blue);box-shadow:0 2px 8px rgba(7,37,95,.1)}
.dc-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:16px;margin-bottom:16px}
.dc-row label span{display:block;font-size:13px;font-weight:700;margin-bottom:8px}
.dc-row input{width:100%;height:46px;border:1.5px solid #d6deec;border-radius:8px;padding:0 14px;font:500 16px inherit;font-family:inherit;color:var(--text)}
.dc-row input:focus{outline:0;border-color:var(--blue)}
.dc-suffix{position:relative}
.dc-suffix em{position:absolute;right:6px;top:6px;bottom:6px;width:32px;display:grid;place-items:center;background:var(--white);border-radius:6px;font-style:normal;color:var(--muted)}
.dc-calc__res{background:linear-gradient(160deg,#eef4ff,#e2ecff);border-radius:14px;padding:22px 20px}
.dc-res__top{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px;gap:8px;flex-wrap:wrap}
.dc-pill{background:#fff;color:var(--blue);font-size:12px;font-weight:700;padding:4px 12px;border-radius:999px}
.dc-ok{background:#e4f8ea;color:#1d9a4b;font-size:12px;font-weight:700;padding:4px 12px;border-radius:999px}
.dc-res__row{display:flex;justify-content:space-between;padding:6px 0;font-size:15px}
.dc-res__total{display:flex;justify-content:space-between;align-items:center;border-top:1.5px solid #c9d8f3;margin-top:10px;padding-top:14px}
.dc-res__total span{font-weight:800;font-size:16px;color:var(--navy)}
.dc-res__total strong{font-size:28px;font-weight:800;color:var(--blue)}

/* sections */
.dc-sec{margin-top:52px}
.dc-title{font-size:24px;font-weight:800;color:var(--navy);line-height:1.25}
.dc-title span{color:var(--orange)}
.dc-sub{font-size:13.5px;color:var(--muted);margin:4px 0 20px}
.dc-sec__head{display:flex;justify-content:space-between;align-items:flex-end;gap:12px;flex-wrap:wrap}
.dc-feat{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.dc-feat__c{border-radius:var(--r);padding:26px 18px;text-align:center;border:1px solid var(--line)}
.dc-feat__c b{display:grid;place-items:center;width:52px;height:52px;margin:0 auto 12px;font-size:30px;color:var(--blue);font-weight:800}
.dc-feat__c h3{font-size:16px;color:var(--navy);margin-bottom:4px}
.dc-feat__c p{font-size:13px;color:var(--muted)}
.c1{background:#fff6ec}.c2{background:#eef5ff}.c3{background:#f4f0ff}.c4{background:#eefaf4}
.dc-ex{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.dc-ex__c{border:1px solid var(--line);border-radius:var(--r);padding:16px 20px;box-shadow:0 6px 18px rgba(7,37,95,.05)}
.dc-ex__h{display:flex;justify-content:space-between;align-items:center;font-size:13px;font-weight:700;margin-bottom:4px}
.dc-ex__h em{font-style:normal;color:#fff;font-size:12px;padding:3px 12px;border-radius:999px}
.t-b{background:var(--blue)}.t-o{background:var(--orange)}.t-r{background:#f0453a}.t-p{background:#7b3fe4}
.dc-ex__c s{display:block;color:#9aa6bd;font-size:15px}
.dc-ex__c i{display:block;font-style:normal;color:var(--muted);font-size:12px;line-height:1}
.dc-ex__c strong{color:var(--blue);font-size:18px;font-weight:800}
.dc-guide{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.dc-guide article{background:var(--white);border-radius:var(--r);padding:22px;border-left:4px solid var(--orange)}
.dc-guide h2{font-size:17px;color:var(--navy);margin-bottom:8px}
.dc-guide p{font-size:13.5px;color:var(--muted)}
.dc-posts{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.dc-post{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff;box-shadow:0 6px 18px rgba(7,37,95,.05)}
.dc-post__img{position:relative}
.dc-post__img img{width:100%;aspect-ratio:414/160;object-fit:cover}
.dc-post__img span{position:absolute;left:10px;bottom:8px;background:#fff3e4;color:#e87800;font-size:11px;font-weight:700;padding:3px 10px;border-radius:999px}
.dc-post__b{padding:14px 16px 16px}
.dc-post h3{font-size:14.5px;line-height:1.35;color:var(--navy);margin-bottom:6px}
.dc-post time{font-size:12px;color:var(--muted)}
.dc-post p{font-size:12.5px;color:var(--muted);margin-top:6px}
.dc-faq{display:grid;grid-template-columns:1fr 2fr;gap:30px;background:var(--white);border-radius:18px;padding:32px 24px;margin-bottom:56px}
.dc-faq h2{font-size:24px;color:var(--navy);line-height:1.2;margin-bottom:8px}
.dc-faq>div>p{font-size:13.5px;color:var(--muted)}
.dc-faq details{background:#fff;border:1px solid var(--line);border-radius:8px;margin-bottom:8px}
.dc-faq summary{list-style:none;cursor:pointer;padding:10px 14px;font-size:13.5px;font-weight:600;display:flex;justify-content:space-between}
.dc-faq summary::-webkit-details-marker{display:none}
.dc-faq summary::after{content:"⌄";color:var(--muted)}
.dc-faq details[open] summary::after{transform:rotate(180deg)}
.dc-faq details p{padding:0 14px 12px;font-size:13.5px;color:var(--muted)}

/* footer */
.dc-footer{background:var(--navy);color:#c8d3ea;padding-top:40px}
.dc-footer__grid{display:grid;grid-template-columns:1.8fr 1fr 1fr 1fr;gap:30px}
.dc-footer__brand img{height:52px;width:auto;margin-bottom:12px}
.dc-footer__brand strong{display:block;color:#fff;font-size:13.5px;margin-bottom:8px}
.dc-footer__brand p{font-size:12.5px;max-width:330px}
.dc-footer h4{color:#fff;font-size:14px;margin-bottom:12px}
.dc-footer__grid>div>a{display:block;font-size:13px;margin-bottom:6px}
.dc-footer a:hover{color:var(--yellow)}
.dc-social{display:flex;gap:10px}
.dc-social a{width:30px;height:30px;border-radius:50%;background:#fff;color:var(--navy);display:grid;place-items:center}
.dc-footer__bottom{display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding:16px 20px;font-size:12px}
.dc-footer__bottom strong{color:#fff}

/* inner pages */
.dc-page{background:var(--white);padding:36px 0 60px}
.dc-page__in{max-width:860px}
.dc-crumb{font-size:13px;color:var(--muted);margin-bottom:14px}
.dc-crumb a{color:var(--blue)}
.dc-article{background:#fff;border-radius:18px;padding:34px;box-shadow:0 8px 24px rgba(7,37,95,.06);margin-bottom:16px}
.dc-article h1{font-size:32px;color:var(--navy);margin-bottom:16px}
.dc-content h2{font-size:21px;color:var(--navy);margin:26px 0 8px}
.dc-content p,.dc-content ul,.dc-content ol{margin-bottom:12px}
.dc-content ul,.dc-content ol{padding-left:22px}
.dc-content a{color:var(--blue);font-weight:600}

/* responsive */
@media(max-width:960px){
	.dc-quick,.dc-feat,.dc-ex,.dc-posts{grid-template-columns:repeat(2,1fr)}
	.dc-calc,.dc-guide{grid-template-columns:1fr}
	.dc-footer__grid{grid-template-columns:1fr 1fr}
	.dc-burger{display:block}
	.dc-nav{position:absolute;top:66px;left:0;right:0;background:#fff;flex-direction:column;padding:12px 20px;box-shadow:0 10px 20px rgba(7,37,95,.1);display:none}
	.dc-nav.is-open{display:flex}
}
@media(max-width:640px){
	.dc-hero__in{grid-template-columns:1fr}
	.dc-hero__txt{padding-bottom:0}
	.dc-quick,.dc-feat,.dc-ex,.dc-posts,.dc-faq,.dc-footer__grid{grid-template-columns:1fr}
	.dc-article{padding:22px}
}
.dc-table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r)}
.dc-table{width:100%;border-collapse:collapse;font-size:14px;min-width:640px}
.dc-table th{background:var(--navy);color:#fff;padding:12px;text-align:left;font-size:13px}
.dc-table td{padding:11px 12px;border-top:1px solid var(--line)}
.dc-table tr:nth-child(even) td{background:var(--white)}
.dc-table td:not(:first-child){color:var(--blue);font-weight:600}
.dc-why{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.dc-why>div{border:1px solid var(--line);border-radius:var(--r);padding:22px;background:#fff;box-shadow:0 6px 18px rgba(7,37,95,.05)}
.dc-why b{font-size:28px;display:block;margin-bottom:8px}
.dc-why h3{font-size:16px;color:var(--navy);margin-bottom:4px}
.dc-why p{font-size:13.5px;color:var(--muted)}
.dc-steps{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.dc-steps li{background:linear-gradient(160deg,#eef4ff,#fff);border-radius:var(--r);padding:22px;border:1px solid var(--line)}
.dc-steps b{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--orange);color:#fff;font-weight:800;margin-bottom:10px}
.dc-steps h3{font-size:15px;color:var(--navy);margin-bottom:4px}
.dc-steps p{font-size:13px;color:var(--muted)}
.dc-longread{background:var(--white);border-radius:18px;padding:32px}
.dc-longread h3{font-size:17px;color:var(--navy);margin:18px 0 6px}
.dc-longread p{font-size:14.5px;color:#3c4763}
.dc-longread>p:first-of-type{margin-top:10px}
@media(max-width:960px){.dc-why{grid-template-columns:repeat(2,1fr)}.dc-steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.dc-why,.dc-steps{grid-template-columns:1fr}.dc-longread{padding:22px}}
.dc-mistakes{counter-reset:m;list-style:none;display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.dc-mistakes li{counter-increment:m;position:relative;padding:16px 16px 16px 58px;border:1px solid var(--line);border-radius:var(--r);font-size:14px;color:var(--muted);background:#fff}
.dc-mistakes li::before{content:counter(m);position:absolute;left:16px;top:14px;width:30px;height:30px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;font-weight:800}
.dc-mistakes strong{color:var(--navy)}
.dc-glossary{display:grid;grid-template-columns:200px 1fr;gap:10px 20px;margin-top:14px}
.dc-glossary dt{font-weight:800;color:var(--blue)}
.dc-glossary dd{color:#3c4763;font-size:14.5px;border-bottom:1px dashed var(--line);padding-bottom:10px}
@media(max-width:640px){.dc-mistakes,.dc-glossary{grid-template-columns:1fr}.dc-glossary dd{margin-bottom:6px}}