:root{--bg:#f5f7fb;--card:#fff;--text:#142039;--muted:#617089;--blue:#1967d2;--green:#0d7a4d;--orange:#b55a00;--border:#dfe5ee;--soft:#eef4ff;--shadow:0 10px 30px rgba(22,40,75,.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:1140px;margin:auto;padding:0 24px}header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:20}.nav{height:68px;display:flex;align-items:center;justify-content:space-between}.logo{font-size:20px;font-weight:850;color:var(--text)}.logo span{color:var(--blue)}nav a{margin-left:22px;color:var(--text);font-size:14px;font-weight:700}.hero{padding:68px 0 36px;background:linear-gradient(180deg,#edf4ff 0%,var(--bg) 100%)}.hero h1{font-size:50px;line-height:1.05;margin:10px 0 16px;max-width:820px}.hero p{font-size:18px;color:var(--muted);max-width:800px}.badge{display:inline-block;background:#dce9ff;color:#0d57bd;border-radius:999px;padding:6px 10px;font-size:12px;font-weight:800}.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:#fff;border:1px solid var(--border);border-radius:16px;padding:22px;box-shadow:var(--shadow);display:flex;flex-direction:column;min-height:245px}.card h3{margin:0 0 10px;font-size:19px}.card p{margin:0 0 18px;color:var(--muted);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;min-height:46px;font-weight:800;cursor:pointer}.card .btn{width:210px}.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:750;margin:14px 0 6px}input,select{width:100%;padding:12px 13px;border:1px solid #cfd7e3;border-radius:9px;background:#fff;font:inherit}.result{display:none;margin-top:18px;background:#eef8f3;border-left:4px solid var(--green);padding:16px;border-radius:8px}.result .big{display:block;font-size:25px;margin:3px 0 8px}.warning{background:#fff7ed;border-left-color:var(--orange)}.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}.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;flex-wrap:wrap;gap:10px}.related a{background:var(--soft);padding:9px 11px;border-radius:8px;font-weight:750}.note{font-size:13px;color:var(--muted)}footer{margin-top:48px;background:#0f1c31;color:#cad4e3;padding:34px 0}footer a{color:#fff;margin-right:18px}small{color:#aab7c9}@media(max-width:880px){.grid{grid-template-columns:1fr 1fr}.calc-layout{grid-template-columns:1fr}.hero h1{font-size:40px}}@media(max-width:600px){.wrap{padding:0 16px}.grid{grid-template-columns:1fr}.hero{padding-top:44px}.hero h1{font-size:34px}nav a{margin-left:12px;font-size:13px}.card .btn{width:100%}.kpi{grid-template-columns:1fr}}


.cookie{display:none;position:fixed;left:18px;right:18px;bottom:18px;max-width:760px;margin:auto;background:#fff;border:1px solid var(--border);border-radius:14px;padding:18px;box-shadow:0 15px 50px rgba(15,28,49,.18);z-index:100}
.cookie p{margin:0 0 12px;color:var(--text)}
.cookie-actions{display:flex;gap:10px;flex-wrap:wrap}
.btn.secondary{background:#eef2f7;color:var(--text);border:1px solid var(--border)}