:root{--ink:#11233d;--muted:#5a6775;--blue:#0d63b5;--blue2:#08477f;--pale:#eef6fb;--line:#dce5ec;--warm:#f7f8fa;--white:#fff;--shadow:0 16px 38px rgba(10,35,60,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);line-height:1.65;background:#fff}a{color:var(--blue);text-underline-offset:3px}img{max-width:100%;height:auto;display:block}.wrap{width:min(1180px,calc(100% - 32px));margin:auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.nav-row{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:22px}.brand{text-decoration:none;color:var(--ink);font-weight:900;font-size:1.24rem;letter-spacing:-.02em}.brand-top{color:var(--blue)}.nav{display:flex;align-items:center;gap:22px}.nav a{text-decoration:none;color:var(--ink);font-weight:720}.nav a:nth-last-child(3){color:var(--blue)}.menu-btn{display:none;border:1px solid var(--line);background:#fff;padding:9px 12px;border-radius:9px;font:inherit}
.hero{background:linear-gradient(105deg,#f3f8fc,#fff)}.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;align-items:center;gap:34px;padding:54px 0}.eyebrow{display:inline-block;color:var(--blue);font-size:.8rem;font-weight:850;text-transform:uppercase;letter-spacing:.04em}.hero h1,.page-hero h1{font-size:clamp(2.15rem,5vw,4.2rem);line-height:1.03;letter-spacing:-.035em;margin:.2em 0}.hero p{font-size:1.13rem;color:var(--muted);max-width:720px}.hero-img{display:block;border-radius:20px;overflow:hidden;box-shadow:var(--shadow);background:#e8eff4}.hero-img img{width:100%;aspect-ratio:16/9;object-fit:cover}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:23px}.button{display:inline-flex;align-items:center;justify-content:center;background:var(--blue);color:#fff;text-decoration:none;border:1px solid var(--blue);font-weight:800;padding:13px 18px;border-radius:10px}.button:hover{background:var(--blue2);color:#fff}.button.alt{background:#fff;color:var(--blue)}
.section{padding:54px 0}.section.alt{background:#f7f9fb}.section h2{font-size:clamp(1.55rem,3vw,2.35rem);line-height:1.15;margin:0 0 12px}.lead{font-size:1.08rem;color:var(--muted);max-width:820px}.problem-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:26px}.problem-card{display:block;border:1px solid var(--line);background:#fff;border-radius:15px;padding:21px;text-decoration:none;color:var(--ink);box-shadow:0 4px 14px rgba(10,35,60,.04)}.problem-card h3{margin:0 0 7px}.problem-card p{margin:0;color:var(--muted)}.problem-card:hover{border-color:#a8c6de}.cta{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;background:var(--blue2);color:#fff;border-radius:20px;padding:28px}.cta h2,.cta h3{color:#fff;margin:0 0 7px}.cta p{margin:0;color:#dceaf5}.cta .button{background:#fff;color:var(--blue2);border-color:#fff}
.page-hero{background:#f2f7fb;padding:35px 0 28px}.page-hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:32px;align-items:center}.page-hero p{font-size:1.08rem;color:var(--muted)}.breadcrumbs{font-size:.9rem;color:#697783;margin-bottom:10px}.breadcrumbs a{color:#596d7d}
.article-wrap{width:min(1040px,calc(100% - 32px));margin:auto;padding:42px 0 68px}.article-head{max-width:820px}.article-head h1{font-size:clamp(2rem,4.5vw,3.5rem);line-height:1.06;letter-spacing:-.03em;margin:.18em 0}.dek{font-size:1.1rem;color:var(--muted)}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 285px;gap:46px;margin-top:30px}.article-content h2{font-size:1.55rem;line-height:1.2;margin-top:2.1em}.article-content p{font-size:1.04rem}.quote-box{background:#eef6fb;border-left:4px solid var(--blue);padding:18px 20px;border-radius:0 12px 12px 0;margin:28px 0}.quote-box strong{display:block;margin-bottom:5px}.sidebar{position:sticky;top:96px;align-self:start}.side-card{border:1px solid var(--line);border-radius:15px;padding:19px;background:#fff;margin-bottom:16px}.side-card h3{margin-top:0}.side-card p{font-size:.94rem;color:var(--muted)}
.listing{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:24px}.listing-card{border:1px solid var(--line);border-radius:14px;padding:20px}.listing-card h2{font-size:1.18rem;margin:0 0 7px}.listing-card p{margin:0 0 8px;color:var(--muted)}
.legal{width:min(880px,calc(100% - 32px));margin:auto;padding:48px 0 70px}.legal h1{font-size:clamp(2rem,4vw,3.1rem)}.legal h2{margin-top:1.8em}.notice{font-size:.9rem;color:#67737f}.footer{background:#132b3c;color:#dce7ee;padding:38px 0 28px}.footer a{color:#fff}.footer-links{margin-top:0}.footer p{max-width:980px}.ico-row{display:flex;gap:14px;align-items:center;margin-top:14px}.ico-badge{display:grid;place-items:center;flex:0 0 70px;height:44px;border-radius:7px;background:#fff;color:#132b3c;font-weight:900}
.form-card{max-width:760px;border:1px solid var(--line);border-radius:18px;padding:24px;background:#fff;box-shadow:var(--shadow)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field{display:flex;flex-direction:column;gap:6px}.field.full{grid-column:1/-1}.field label{font-weight:750}.field input,.field select,.field textarea{font:inherit;border:1px solid #becbd5;border-radius:9px;padding:11px 12px}.field textarea{min-height:140px;resize:vertical}.placeholder-note{background:#fff7df;border:1px solid #ead9a8;border-radius:10px;padding:12px 14px;color:#665014}
@media(max-width:900px){.hero-grid,.page-hero-grid,.article-layout,.cta{grid-template-columns:1fr}.problem-grid{grid-template-columns:repeat(2,1fr)}.sidebar{position:static}.nav{display:none;position:absolute;top:68px;left:16px;right:16px;background:#fff;border:1px solid var(--line);border-radius:13px;box-shadow:var(--shadow);padding:15px;flex-direction:column;align-items:stretch}.nav.open{display:flex}.menu-btn{display:block}}
@media(max-width:620px){.wrap{width:min(100% - 22px,1180px)}.hero-grid{padding:38px 0}.problem-grid,.listing,.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.section{padding:42px 0}.article-wrap{width:min(100% - 22px,1040px)}.page-hero{padding-top:28px}.brand{font-size:1.08rem}}

.article-hero-image{margin:26px 0 10px}.article-hero-image .hero-img{max-width:860px}.article-hero-image .hero-img img{width:100%;aspect-ratio:16/9;object-fit:cover}