@font-face{font-family:'Montserrat';font-style:normal;font-weight:700 800;font-display:swap;src:url(/fonts/montserrat-cyrillic-ext.woff2) format('woff2');unicode-range:U+0460-052F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}
@font-face{font-family:'Montserrat';font-style:normal;font-weight:700 800;font-display:swap;src:url(/fonts/montserrat-cyrillic.woff2) format('woff2');unicode-range:U+0301,U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116}
@font-face{font-family:'Montserrat';font-style:normal;font-weight:700 800;font-display:swap;src:url(/fonts/montserrat-latin.woff2) format('woff2');unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}

:root{
  --ink:#0f172a;--ink-2:#1e293b;--ink-3:#334155;--line-d:#334155;
  --gold:#f5c518;--gold-2:#e0a800;--gold-ink:#7a5600;--gold-soft:#fff6d6;
  --paper:#faf8f3;--card:#fff;--text:#1f2937;--muted:#566173;--line:#e6e1d6;
  --ok:#0f7a4a;--warn:#9a3b00;--warn-soft:#fff1e6;
  --r:14px;--head:'Montserrat',system-ui,sans-serif;--body:system-ui,-apple-system,'Segoe UI','Helvetica Neue',Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:80px}
body{margin:0;background:var(--paper);color:var(--text);font:400 17px/1.65 var(--body)}
img,svg{max-width:100%}
a{color:#1d4ed8;text-underline-offset:2px}
a:hover{color:#1e3a8a}
h1,h2,h3{font-family:var(--head);line-height:1.2;color:var(--ink);letter-spacing:-.01em}
h1{font-size:clamp(28px,5vw,44px);font-weight:800;margin:.2em 0 .4em}
h2{font-size:clamp(22px,3.2vw,30px);font-weight:800;margin:1.8em 0 .6em}
h3{font-size:19px;font-weight:700;margin:1.4em 0 .4em}
p{margin:0 0 1em}
.i{width:1.1em;height:1.1em;flex:none;vertical-align:-.15em}
.wrap{width:100%;max-width:1120px;margin:0 auto;padding:0 16px}
.prose{max-width:820px;padding-bottom:56px}
.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.1em}
.prose li{margin:.3em 0}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold);color:var(--ink);padding:10px 14px;border-radius:8px;z-index:20;font-weight:700}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold-2);outline-offset:2px}

/* header */
.top{background:var(--ink);color:#e2e8f0;position:sticky;top:0;z-index:10;border-bottom:1px solid var(--line-d)}
.top-in{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:12px}
.logo{display:inline-flex;align-items:center;gap:8px;color:#fff;text-decoration:none;font:800 22px/1 var(--head);letter-spacing:-.02em;min-height:44px}
.logo b{color:var(--gold);font-weight:800}
.logo:hover{color:#fff}
.crown{color:var(--gold);width:28px;height:28px}
.nav{display:flex;align-items:center;gap:4px}
.nav a{color:#cbd5e1;text-decoration:none;font-weight:600;font-size:15px;padding:10px 9px;border-radius:8px;min-height:44px;display:inline-flex;align-items:center}
.nav a:hover,.nav a[aria-current]{color:#fff;background:var(--ink-2)}
.nav .lang{border:1px solid var(--line-d);margin-left:6px;color:var(--gold)}
.menu-btn{display:none;align-items:center;gap:6px;background:none;border:1px solid var(--line-d);color:#fff;border-radius:10px;padding:0 12px;min-height:44px;font:600 15px var(--body);cursor:pointer}
@media (max-width:1100px){
  .menu-btn{display:inline-flex}
  .nav{display:none;position:absolute;left:0;right:0;top:64px;background:var(--ink);flex-direction:column;align-items:stretch;padding:8px 16px 16px;border-bottom:1px solid var(--line-d)}
  .nav.open{display:flex}
  .nav .lang{margin:6px 0 0;justify-content:center}
}

/* hero */
.hero{background:radial-gradient(1100px 500px at 85% -10%,#1e3a5f 0,transparent 60%),var(--ink);color:#e2e8f0;padding:40px 0 56px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:start}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero .lead{color:#cbd5e1;font-size:18px;max-width:34em}
.badge{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:700;color:var(--gold);background:rgba(245,197,24,.1);border:1px solid rgba(245,197,24,.35);padding:6px 12px;border-radius:999px}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:22px 0 0;padding:0;list-style:none}
.facts li{background:var(--ink-2);border:1px solid var(--line-d);border-radius:12px;padding:12px}
.facts b{display:block;font:800 20px/1.2 var(--head);color:#fff}
.facts span{font-size:13px;color:#94a3b8;line-height:1.35;display:block;margin-top:4px}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:28px}.hero{padding:28px 0 40px}}
@media (max-width:480px){.facts{grid-template-columns:1fr 1fr}.facts li:last-child{grid-column:span 2}}

/* calculator */
.calc{background:#fff;color:var(--text);border-radius:20px;padding:22px;box-shadow:0 20px 50px rgba(0,0,0,.35)}
.calc h2{margin:0 0 4px;font-size:22px}
.calc .sub{color:var(--muted);font-size:14px;margin:0 0 14px}
.field{margin:0 0 16px}
.field-top{display:flex;justify-content:space-between;align-items:baseline;gap:8px;margin-bottom:6px}
.field label,.field legend{font-weight:700;font-size:15px;color:var(--ink)}
.field output{font:800 20px var(--head);color:var(--ink)}
.field input[type=range]{width:100%;accent-color:var(--gold-2);height:32px;margin:0}
.range-ends{display:flex;justify-content:space-between;font-size:12px;color:var(--muted)}
fieldset.field{border:0;padding:0}
.rates{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin-top:6px}
.rates label{display:block;cursor:pointer}
.rates input{position:absolute;opacity:0;pointer-events:none}
.rates span{display:flex;flex-direction:column;align-items:center;justify-content:center;min-height:52px;border:1.5px solid var(--line);border-radius:10px;font:700 15px var(--head);color:var(--ink);text-align:center;line-height:1.15;padding:4px}
.rates small{font:500 11px var(--body);color:var(--muted)}
.rates input:checked+span{border-color:var(--gold-2);background:var(--gold-soft)}
.rates input:focus-visible+span{outline:3px solid var(--gold-2);outline-offset:2px}
.result{background:var(--paper);border-radius:14px;padding:14px 16px;margin:4px 0 12px}
.result dl{display:grid;grid-template-columns:1fr auto;gap:6px 12px;margin:0}
.result dl>div{display:contents}
.result dt{color:var(--muted);font-size:15px}
.result dd{margin:0;font-weight:700;text-align:right;font-variant-numeric:tabular-nums}
.result .total dt,.result .total dd{color:var(--ink);font:800 19px var(--head);padding-top:6px;border-top:1px solid var(--line)}
.check{box-shadow:0 8px 30px rgba(15,23,42,.12);border:1px solid var(--line);margin:8px 0 28px}
.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:4px 16px}
@media (max-width:560px){.check-grid{grid-template-columns:1fr}}
.check .field label{display:block;margin-bottom:6px}
.check input[type=number]{width:100%;min-height:48px;border:1.5px solid var(--line);border-radius:10px;padding:0 12px;font:600 17px var(--body);color:var(--ink);background:#fff}
.check input[type=number]:focus-visible{border-color:var(--gold-2)}
.check small{display:block;font-size:12px;color:var(--muted);margin-top:4px;line-height:1.35}
.verdict{list-style:none;padding:0;margin:0 0 12px}
.verdict li{display:flex;justify-content:space-between;gap:12px;align-items:center;padding:10px 12px 10px 40px;border-radius:10px;margin-bottom:6px;position:relative;font-size:15px}
.verdict li::before{content:'';position:absolute;left:12px;top:50%;transform:translateY(-50%);width:20px;height:20px;border-radius:50%;background-position:center;background-repeat:no-repeat}
.verdict .pass{background:#ecf7f1}
.verdict .pass::before{background-color:var(--ok);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='none' stroke='%23fff' stroke-width='3' stroke-linecap='round' stroke-linejoin='round' d='m6 12.5 4 4L18 8'/%3E%3C/svg%3E");background-size:14px}
.verdict .fail{background:var(--warn-soft)}
.verdict .fail::before{background-color:var(--warn);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='none' stroke='%23fff' stroke-width='3' stroke-linecap='round' d='M7 7l10 10M17 7 7 17'/%3E%3C/svg%3E");background-size:12px}
.verdict b{font-variant-numeric:tabular-nums;white-space:nowrap}
.check textarea{width:100%;border:1px solid var(--line);border-radius:10px;padding:10px;font:14px/1.5 var(--body);color:var(--text);background:#fff;margin:6px 0 10px;resize:vertical}
.btn-ghost{background:#fff;color:var(--ink);border:1.5px solid var(--ink);min-height:44px;font-size:15px}
.btn-ghost:hover{background:var(--ink);color:#fff}
.calc-note{font-size:13px;color:var(--muted);margin:0 0 12px;line-height:1.45}
.calc-note.warn{color:var(--warn)}

/* buttons / CTA */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 24px;border-radius:12px;font:800 16px var(--head);text-decoration:none;border:0;cursor:pointer;text-align:center}
.btn-gold{background:linear-gradient(180deg,#ffd84a,var(--gold));color:var(--ink);box-shadow:0 6px 18px rgba(245,197,24,.3)}
.btn-gold:hover{color:var(--ink);background:linear-gradient(180deg,#ffe066,#f2bd00)}
.cta-box{margin:24px 0}
.cta-box .btn{width:100%;max-width:420px}
.calc .cta-box{margin:0}
.calc .cta-box .btn{max-width:none}
.cta-note{font-size:13px;color:var(--muted);margin:8px 0 0;line-height:1.45}
.promo{display:flex;align-items:center;justify-content:space-between;gap:20px;background:#fff;border:1.5px solid var(--gold-2);border-radius:20px;padding:24px;margin:0 0 40px}
.promo h2{margin:0 0 6px}
.promo p{margin:0;color:var(--muted)}
.promo .btn{flex:none}
@media (max-width:720px){.promo{flex-direction:column;align-items:stretch}}
.cta-band{background:var(--ink);color:#e2e8f0;border-radius:20px;padding:28px;margin:40px 0}
.cta-band h2{color:#fff;margin-top:0}
.cta-band .cta-note{color:#94a3b8}

/* sections */
.section{padding:48px 0}
.section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section h2:first-child{margin-top:0}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
@media (max-width:820px){.grid3,.grid2{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px}
.section.alt .card{background:var(--paper)}
.card h3{margin-top:0}
.card-link{text-decoration:none;color:inherit;display:block}
.card-link:hover{border-color:var(--gold-2);color:inherit}
.card-link h3{color:#1d4ed8}
.sprite{position:absolute;width:0;height:0;overflow:hidden}
.card p:last-child{margin-bottom:0}
.card .num{display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--ink);color:var(--gold);font:800 16px var(--head);align-items:center;justify-content:center;margin-bottom:8px}
.card a.more{font-weight:700}
.steps{counter-reset:s;list-style:none;padding:0}
.checks{list-style:none;padding:0!important}
.checks li{position:relative;padding-left:30px}
.checks li::before{content:'';position:absolute;left:0;top:.35em;width:20px;height:20px;border-radius:50%;background:var(--ok) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='none' stroke='%23fff' stroke-width='3' stroke-linecap='round' stroke-linejoin='round' d='m6 12.5 4 4L18 8'/%3E%3C/svg%3E") center/14px no-repeat}
.crosses li::before{background:var(--warn) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='none' stroke='%23fff' stroke-width='3' stroke-linecap='round' d='M7 7l10 10M17 7 7 17'/%3E%3C/svg%3E") center/12px no-repeat}
.note{border:1px solid #f0dc9a;background:var(--gold-soft);padding:14px 16px;border-radius:12px;margin:18px 0}
.note.warn{border-color:#f3c7a6;background:var(--warn-soft)}
.note p:last-child{margin:0}
.tbl{overflow-x:auto;margin:0 0 1.2em;border:1px solid var(--line);border-radius:12px;background:#fff}
table{border-collapse:collapse;width:100%;font-size:15px}
@media (max-width:480px){th,td{padding:8px 9px;font-size:14px}}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#f3efe4;font-weight:700;color:var(--ink)}
tr:last-child td{border-bottom:0}
td.n{white-space:nowrap;font-variant-numeric:tabular-nums}
.src{font-size:14px;color:var(--muted)}
.src a{color:var(--muted)}

/* page head */
.page-head{background:var(--ink);color:#cbd5e1;padding:20px 0 30px;margin-bottom:28px}
.page-head h1{color:#fff;max-width:820px}
.page-head .lead{font-size:18px;max-width:46em;color:#cbd5e1}
.upd{font-size:13px;color:#94a3b8;margin:0}
.crumbs{font-size:14px;display:flex;gap:8px;flex-wrap:wrap;align-items:center}
.crumbs a{color:#cbd5e1;min-height:44px;display:inline-flex;align-items:center}
.crumbs span{color:#94a3b8}

/* faq */
.faq{margin-top:40px}
details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:0 0 10px}
summary{cursor:pointer;list-style:none;padding:16px 48px 16px 18px;font-weight:700;color:var(--ink);position:relative;min-height:44px}
summary::-webkit-details-marker{display:none}
summary::after{content:'+';position:absolute;right:18px;top:50%;transform:translateY(-50%);font:700 24px var(--head);color:var(--gold-2)}
details[open] summary::after{content:'–'}
.ans{padding:0 18px 16px}
.ans p:last-child{margin:0}

/* footer */
.foot{background:var(--ink);color:#94a3b8;padding:40px 0 24px;font-size:14px}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:24px}
@media (max-width:820px){.foot-grid{grid-template-columns:1fr}}
.foot-h{color:#fff;font-size:15px;margin:6px 0 10px}
.foot-list{list-style:none;padding:0;margin:0;columns:1}
.foot-list a{color:#cbd5e1;text-decoration:none;display:inline-flex;min-height:36px;align-items:center}
.foot-list a:hover{color:#fff;text-decoration:underline}
.legal{border-top:1px solid var(--line-d);margin-top:28px;padding-top:18px;font-size:13px;line-height:1.55}
.small{font-size:14px}
@media (prefers-reduced-motion:no-preference){.btn{transition:transform .15s}.btn:hover{transform:translateY(-1px)}}