:root{
  --bg:#f5f7fb;--card:#fff;--text:#13213a;--muted:#60708c;--blue:#1769e0;
  --border:#dfe5ee;--soft:#edf3ff;--green:#0b7a45;--shadow:0 10px 30px rgba(25,45,80,.07)
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.55}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1120px;margin:auto;padding:0 24px}
header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:10}
.nav{height:68px;display:flex;align-items:center;justify-content:space-between}
.logo{font-weight:800;color:var(--text);font-size:20px}
.logo span{color:var(--blue)}
nav a{margin-left:22px;color:var(--text);font-weight:600;font-size:14px}
.hero{padding:64px 0 34px;background:linear-gradient(180deg,#edf4ff 0%,var(--bg) 100%)}
.hero h1{font-size:48px;line-height:1.05;margin:10px 0 16px;max-width:760px}
.hero p{max-width:760px;color:var(--muted);font-size:18px}
.badge{display:inline-block;background:#dce9ff;color:#0e57bf;padding:6px 10px;border-radius:999px;font-weight:700;font-size:12px}
.section{padding:34px 0}
h1,h2,h3{line-height:1.2}
h2{font-size:30px;margin:0 0 22px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:var(--card);border:1px solid var(--border);border-radius:16px;padding:22px;box-shadow:var(--shadow);display:flex;flex-direction:column;min-height:220px}
.card h3{margin:0 0 10px;font-size:19px}
.card p{color:var(--muted);margin:0 0 18px;flex:1}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--blue);color:#fff;border:none;border-radius:10px;padding:12px 16px;font-weight:800;cursor:pointer;min-height:46px}
.card .btn{width:190px}
.btn:hover{filter:brightness(.96);text-decoration:none}
.calc-layout{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;align-items:start}
.panel{background:#fff;border:1px solid var(--border);border-radius:16px;padding:24px;box-shadow:var(--shadow)}
label{display:block;font-weight:700;margin:14px 0 6px}
input,select{width:100%;padding:12px 13px;border:1px solid #cfd7e3;border-radius:9px;background:#fff;font:inherit}
.result{margin-top:18px;background:#eef7f2;border-left:4px solid var(--green);padding:16px;border-radius:8px;display:none}
.result strong.big{display:block;font-size:26px;margin:3px 0 8px}
.note{font-size:13px;color:var(--muted);margin-top:9px}
.content{background:#fff;border:1px solid var(--border);border-radius:16px;padding:24px;margin-top:22px}
.content p,.content li{color:#465671}
.content h2{font-size:25px;margin-top:28px}
.content h3{font-size:19px;margin-top:22px}
.related{display:flex;gap:10px;flex-wrap:wrap}
.related a{background:var(--soft);padding:9px 11px;border-radius:8px;font-weight:700}
footer{margin-top:48px;background:#0f1c31;color:#cad4e3;padding:34px 0}
footer a{color:#fff;margin-right:18px}
small{color:#aab7c9}
.cookie{position:fixed;left:18px;right:18px;bottom:18px;max-width:720px;margin:auto;background:#fff;border:1px solid var(--border);border-radius:14px;padding:16px;box-shadow:0 18px 60px rgba(0,0,0,.18);z-index:50;display:none}
.cookie p{margin:0 0 12px;color:#53637b}
.cookie-actions{display:flex;gap:10px}
.cookie .secondary{background:#eef2f7;color:#22324b}
.kpi{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-top:12px}
.kpi div{background:#f6f8fb;border:1px solid var(--border);border-radius:10px;padding:12px}
.kpi span{display:block;color:var(--muted);font-size:12px}
.kpi b{font-size:18px}
@media(max-width:850px){
  .grid{grid-template-columns:1fr 1fr}.calc-layout{grid-template-columns:1fr}.hero h1{font-size:38px}
}
@media(max-width:580px){
  .wrap{padding:0 16px}.grid{grid-template-columns:1fr}.hero{padding-top:42px}.hero h1{font-size:34px}
  nav a{margin-left:12px;font-size:13px}.card .btn{width:100%}.kpi{grid-template-columns:1fr}
}