:root{
  --bg:#f8fafc;
  --card:#ffffff;
  --ink:#0f172a;
  --muted:#475569;
  --line:#e2e8f0;
  --navy:#0f172a;
  --navy2:#1e293b;
  --amber:#d97706;
  --amber-bg:#fef3c7;
  --green:#059669;
  --blue:#0284c7;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1220px;margin:0 auto;padding:0 16px}
header.top{background:var(--navy);color:#fff;padding:13px 0;border-bottom:3px solid #f59e0b}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px}
.logo{display:flex;align-items:center;gap:9px;color:#fff;font-size:1.3rem;font-weight:700;text-decoration:none}
.logo b{color:#fbbf24}
.logo .ico{background:#f59e0b;color:#0f172a;font-weight:900;padding:3px 9px;border-radius:6px;font-size:1.05rem}
nav.main{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
nav.main a{color:#e2e8f0;font-size:.9rem;font-weight:600}
nav.main a.lang{background:rgba(255,255,255,.12);padding:3px 8px;border-radius:5px;font-size:.82rem}
nav.main a:hover{color:#fbbf24;text-decoration:none}
.ticker{background:var(--navy2);color:#cbd5e1;font-size:.8rem;padding:7px 0;border-bottom:1px solid #334155}
.ticker .wrap{display:flex;flex-wrap:wrap;gap:16px;justify-content:space-between}
.ticker b{color:#fbbf24}
.crumbs{font-size:.83rem;color:var(--muted);padding:12px 0}
.grid-main{display:grid;grid-template-columns:1fr 320px;gap:22px;margin-bottom:36px}
@media(max-width:940px){.grid-main{grid-template-columns:1fr}}
.hero{background:linear-gradient(135deg,#0f172a 0%,#1e293b 100%);color:#fff;padding:24px;border-radius:12px;margin-bottom:18px;border-left:5px solid #f59e0b}
.hero .badge{display:inline-block;background:rgba(245,158,11,.2);color:#fbbf24;font-size:.78rem;font-weight:700;padding:3px 10px;border-radius:99px;margin-bottom:8px}
.hero h1{font-size:1.62rem;line-height:1.28;margin-bottom:8px}
.hero p{color:#cbd5e1;font-size:.95rem}
.kpi-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(195px,1fr));gap:12px;margin-bottom:18px}
.kpi{background:var(--card);border:1px solid var(--line);border-top:3px solid #f59e0b;border-radius:10px;padding:14px}
.kpi .lbl{display:block;font-size:.76rem;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);font-weight:700}
.kpi .val{display:block;font-size:1.42rem;font-weight:800;color:var(--ink);margin:4px 0}
.kpi .sub{display:block;font-size:.79rem;color:var(--green);font-weight:600}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:20px;margin-bottom:18px}
.card h1,.card h2{font-size:1.22rem;color:var(--ink);margin-bottom:10px}
.card h3{font-size:1rem;color:var(--ink);margin:10px 0 6px}
.card p,.card li{color:var(--muted);font-size:.94rem;margin-bottom:8px}
.card ul{padding-left:20px}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(175px,1fr));gap:12px}
.calc-grid label{display:block;font-size:.82rem;font-weight:700;color:var(--muted);margin-bottom:4px}
.calc-grid input,.calc-grid select{width:100%;padding:9px 10px;border:1px solid #cbd5e1;border-radius:7px;font-size:.95rem;font-weight:600}
.table-wrap{overflow-x:auto}
table.tbl{width:100%;border-collapse:collapse;font-size:.88rem}
table.tbl th,table.tbl td{padding:9px 10px;border-bottom:1px solid var(--line);text-align:left}
table.tbl th{background:#f1f5f9;font-weight:700;color:var(--ink)}
.ok{color:#059669;font-weight:700;font-size:.8rem}
.warn{color:#d97706;font-weight:700;font-size:.8rem}
.no{color:#94a3b8;font-size:.8rem}
.links-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:8px;margin-top:8px}
.links-grid a{display:block;background:#f8fafc;border:1px solid var(--line);padding:8px 11px;border-radius:7px;font-size:.85rem;font-weight:600;color:var(--ink)}
.links-grid a:hover{border-color:#f59e0b;background:#fffbeb;text-decoration:none}
.faq-item{border-bottom:1px solid var(--line);padding:10px 0}
.faq-item:last-child{border-bottom:none}
.side-box{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px;margin-bottom:16px}
.side-box h3{font-size:.98rem;margin-bottom:10px;color:var(--ink)}
footer{background:var(--navy);color:#cbd5e1;padding:34px 0 22px;margin-top:40px;font-size:.87rem}
.foot-cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:22px;margin-bottom:20px}
@media(max-width:820px){.foot-cols{grid-template-columns:1fr 1fr}}
footer h4{color:#fff;margin-bottom:10px;font-size:.96rem}
footer ul{list-style:none}
footer li{margin-bottom:6px}
footer a{color:#94a3b8}
footer a:hover{color:#fbbf24}
footer .copy{border-top:1px solid #334155;padding-top:16px;font-size:.8rem;color:#64748b;text-align:center}