:root{--sbr-green:#0a7f5a;--sbr-green-dark:#064232;--sbr-ink:#132c25;--sbr-muted:#587069;--sbr-soft:#eef9f4;--sbr-soft2:#f8fffb;--sbr-line:#cfe8dd;--sbr-white:#fff;--sbr-gold:#d6a33d;--sbr-shell:min(1450px,calc(100vw - 5cm));--sbr-shadow:0 18px 46px rgba(5,55,38,.13)}
*{box-sizing:border-box}
.sbr-rate-page{font-family:Arial,Helvetica,sans-serif;color:var(--sbr-ink);background:#fff;line-height:1.72}
.sbr-rate-shell{width:var(--sbr-shell);max-width:1450px;margin:auto}
.sbr-rate-breadcrumb{padding:18px 0;font-size:13px}
.sbr-rate-breadcrumb ol{display:flex;gap:8px;flex-wrap:wrap;list-style:none;margin:0;padding:0}
.sbr-rate-breadcrumb a{color:var(--sbr-green);font-weight:900;text-decoration:none}
.sbr-rate-breadcrumb li:not(:last-child)::after{content:'›';margin-left:8px;color:#78968c}
.sbr-rate-hero{background:radial-gradient(circle at top left,rgba(255,255,255,.16),transparent 30%),linear-gradient(135deg,#063828,#0a7f5a 60%,#12a879);color:#fff;padding:20px 0 46px}
.sbr-rate-hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);gap:26px;align-items:center}
.sbr-rate-kicker,.sbr-rate-mini{display:inline-flex;align-items:center;gap:8px;text-transform:uppercase;font-size:12px;font-weight:950;letter-spacing:.35px;color:#dcfff2}
.sbr-rate-mini{color:var(--sbr-green-dark)}
.sbr-rate-kicker:before,.sbr-rate-mini:before{content:'';width:9px;height:9px;border-radius:50%;background:#ffd166}
.sbr-rate-page h1{font-size:clamp(34px,4.4vw,66px);line-height:1.04;margin:12px 0;color:#fff}
.sbr-rate-lead{font-size:18px;color:#edfff7;font-weight:700}
.sbr-rate-hero p{color:#effff8}
.sbr-rate-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}
.sbr-rate-btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:12px 18px;border-radius:16px;font-weight:950;text-decoration:none}
.sbr-rate-primary{background:#fff;color:#07553d}
.sbr-rate-secondary{background:#0b5d44;color:#fff;border:1px solid rgba(255,255,255,.35)}
.sbr-rate-hero-image,.sbr-rate-image{margin:0;background:#fff;border-radius:28px;padding:12px;box-shadow:var(--sbr-shadow)}
.sbr-rate-hero-image img,.sbr-rate-image img{display:block;width:100%;border-radius:20px;aspect-ratio:16/9;object-fit:cover}
.sbr-rate-hero-image figcaption,.sbr-rate-image figcaption{padding:8px 6px 2px;color:#426058;font-size:13px;font-weight:800}
.sbr-rate-section{padding:54px 0}
.sbr-rate-soft{background:var(--sbr-soft)}
.sbr-rate-two{display:grid;grid-template-columns:minmax(0,1fr) minmax(320px,.88fr);gap:24px;align-items:start}
.sbr-rate-panel{background:#fff;border:1px solid var(--sbr-line);border-radius:26px;padding:24px;box-shadow:var(--sbr-shadow)}
.sbr-rate-page h2{font-size:clamp(27px,3vw,44px);line-height:1.12;margin:0 0 14px;color:var(--sbr-green-dark)}
.sbr-rate-page h3{font-size:21px;line-height:1.25;margin:0 0 8px;color:var(--sbr-green-dark)}
.sbr-rate-page h4{font-size:16px;margin:18px 0 8px;color:var(--sbr-green)}
.sbr-rate-head{max-width:1060px;margin-bottom:20px}
.sbr-rate-grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.sbr-rate-factor-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:18px}
.sbr-rate-card,.sbr-rate-risk,.sbr-rate-link{background:#fff;border:1px solid var(--sbr-line);border-radius:22px;padding:20px;box-shadow:0 10px 26px rgba(5,55,38,.08)}
.sbr-rate-risk{background:#fffdf6}
.sbr-rate-link a{display:inline-flex;color:var(--sbr-green);font-weight:950;text-decoration:none;margin-top:10px}
.sbr-rate-note{border-left:5px solid var(--sbr-gold);background:#fff8e7;border-radius:14px;padding:14px;color:#59400c;font-weight:850}
.sbr-rate-checklist{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:0;padding:0;list-style:none}
.sbr-rate-checklist li{background:#f7fffb;border:1px solid var(--sbr-line);border-radius:14px;padding:10px;font-weight:850}
.sbr-rate-calc{display:grid;grid-template-columns:1.1fr .9fr;gap:18px}
.sbr-rate-form{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.sbr-rate-field label{display:block;margin-bottom:5px;font-size:12px;font-weight:950;color:var(--sbr-green-dark)}
.sbr-rate-field select{width:100%;border:1px solid var(--sbr-line);border-radius:14px;padding:12px;background:#fff;color:var(--sbr-ink)}
.sbr-rate-result strong{display:block;font-size:36px;line-height:1.1;color:var(--sbr-green)}
.sbr-rate-result ul{margin:14px 0 0;padding-left:20px}
.sbr-rate-table-card{margin:0 0 22px}
.sbr-rate-table-wrap{overflow:auto;border:1px solid var(--sbr-line);border-radius:22px;background:#fff;box-shadow:var(--sbr-shadow)}
.sbr-rate-table-wrap table{width:100%;min-width:950px;border-collapse:collapse}
.sbr-rate-table-wrap th{background:#064232;color:#fff;text-align:left;padding:13px;font-size:13px}
.sbr-rate-table-wrap td{padding:12px;border-top:1px solid #e2f2ea;font-size:13.5px;vertical-align:top}
.sbr-rate-table-wrap tr:nth-child(even) td{background:#f8fffb}
.sbr-rate-faq details{background:#fff;border:1px solid var(--sbr-line);border-radius:18px;padding:16px}
.sbr-rate-faq summary{cursor:pointer;font-weight:950;color:var(--sbr-green-dark)}
.sbr-rate-final{padding:50px 0;background:linear-gradient(135deg,#05261d,#0a7f5a);color:#fff}
.sbr-rate-final h2{color:#fff}
.sbr-rate-final p{color:#eafff6}
.sbr-rate-final-grid{display:grid;grid-template-columns:1fr auto;gap:20px;align-items:center}
@media(max-width:1100px){:root{--sbr-shell:min(94vw,1450px)}.sbr-rate-hero-grid,.sbr-rate-two,.sbr-rate-calc,.sbr-rate-final-grid{grid-template-columns:1fr}.sbr-rate-grid-4,.sbr-rate-factor-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:680px){.sbr-rate-section{padding:38px 0}.sbr-rate-grid-4,.sbr-rate-factor-grid,.sbr-rate-checklist,.sbr-rate-form{grid-template-columns:1fr}.sbr-rate-actions{flex-direction:column}.sbr-rate-btn{width:100%}}