.sksmc{font-family:Manrope,Arial,sans-serif;color:#132535;background:#f6f8fa;padding-bottom:70px}
.sksmc *{box-sizing:border-box}.sksmc-hero{padding:65px 0;background:linear-gradient(120deg,#081520,#15344b);color:#fff}
.sksmc-kicker{color:#ffca12;font-size:12px;letter-spacing:2px;font-weight:800;margin-bottom:14px}
.sksmc-hero h1{font-size:clamp(30px,4vw,49px);max-width:900px;margin:0 0 16px}
.sksmc-hero h1 em{color:#ffca12;font-style:normal}.sksmc-hero p{max-width:720px;color:#c2d2df}
.sksmc-layout{display:grid;grid-template-columns:250px minmax(0,1fr);gap:28px;padding-top:36px}
.sksmc-tabs{display:flex;flex-direction:column;gap:6px;align-self:start;position:sticky;top:120px}
.sksmc-tabs a{display:block;padding:13px 15px;background:#fff;border:1px solid #dfe7ed;border-radius:9px;font-weight:800;font-size:13px}
.sksmc-tabs a small{display:block;color:#647788;font-size:11px;font-weight:500;margin-top:4px}
.sksmc-tabs a.is-active,.sksmc-tabs a:hover{background:#102738;border-color:#102738;color:#ffca12}
.sksmc-tabs a.is-active small,.sksmc-tabs a:hover small{color:#d2dce5}
.sksmc-panel{display:none;background:#fff;border:1px solid #dfe7ed;border-radius:16px;padding:30px;box-shadow:0 10px 32px #0d2b4210}
.sksmc-panel.is-active{display:block}.sksmc-label{font-size:11px;letter-spacing:1.5px;color:#a17b00;font-weight:800;text-transform:uppercase}
.sksmc-panel h2{margin:8px 0 25px;font-size:clamp(23px,3vw,34px)}
.sksmc-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:17px}
.sksmc-fields label{font-size:13px;font-weight:700;color:#405364}
.sksmc-fields input{display:block;width:100%;margin-top:7px;border:1px solid #c8d6df;border-radius:8px;padding:12px;color:#102332;background:#f8fafb}
.sksmc-fields input:focus{outline:2px solid #ffca12;outline-offset:1px}
.sksmc-result{background:#102738;color:#fff;border-radius:12px;padding:23px;margin-top:26px}
.sksmc-result span{display:block;color:#c5d4df;font-size:12px}.sksmc-result strong{display:block;color:#ffca12;font-size:clamp(23px,3vw,33px);margin:9px 0;line-height:1.25}
.sksmc-result p{margin:7px 0;color:#edf4f9;font-size:14px}.sksmc-result small{color:#b6c6d2;font-size:12px}
.sksmc-disclaimer{font-size:12px;color:#617484;margin-top:20px}
@media(max-width:850px){.sksmc-layout{grid-template-columns:1fr}.sksmc-tabs{position:static;display:grid;grid-template-columns:repeat(2,minmax(0,1fr))}.sksmc-panel{padding:20px}}
@media(max-width:550px){.sksmc-tabs,.sksmc-fields{grid-template-columns:1fr}.sksmc-hero{padding:45px 0}}