:root{--bg:#f7f9fb;--card:#fff;--ink:#1d2a36;--mut:#5b6b7a;--pri:#0f7c8c;--pri2:#0b5f6b;--acc:#d9776b;--line:#e3e9ee;--soft:#e9f5f6}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:var(--pri2)}img{max-width:100%;height:auto}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:700;font-size:19px}
.logo small{color:var(--pri);font-weight:600}
nav.main{display:flex;gap:18px;flex-wrap:wrap}nav.main a{text-decoration:none;color:var(--ink);font-size:15px}nav.main a:hover{color:var(--pri)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:6px 10px;font-size:15px}
@media(max-width:820px){nav.main{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;flex-direction:column;padding:14px 20px;border-bottom:1px solid var(--line)}nav.main.open{display:flex}.menu-btn{display:block}}
.crumbs{font-size:14px;color:var(--mut);margin:18px 0 6px}.crumbs a{color:var(--mut)}
.hero{padding:6px 0 10px}
h1{font-size:clamp(26px,4.4vw,38px);line-height:1.2;margin:8px 0 10px;letter-spacing:-.01em}
h2{font-size:clamp(21px,3vw,27px);line-height:1.3;margin:34px 0 10px}h3{font-size:19px;margin:22px 0 6px}
.byline{display:flex;align-items:center;gap:10px;color:var(--mut);font-size:14px;margin:8px 0 18px}
.byline img{width:40px;height:40px;border-radius:50%;object-fit:cover}
.topcard{display:flex;align-items:center;gap:18px;justify-content:space-between;background:linear-gradient(135deg,#0f7c8c,#13a1a8);color:#fff;border-radius:16px;padding:20px 22px;text-decoration:none;box-shadow:0 8px 24px rgba(15,124,140,.22);margin:6px 0 22px}
.topcard .tc-k{font-size:13px;text-transform:uppercase;letter-spacing:.06em;opacity:.9}
.topcard .tc-t{font-size:clamp(18px,2.6vw,22px);font-weight:700;line-height:1.3;margin:4px 0}
.topcard .tc-s{font-size:14.5px;opacity:.95}
.topcard .tc-b{flex:0 0 auto;background:#fff;color:var(--pri2);font-weight:700;border-radius:999px;padding:11px 18px;white-space:nowrap;font-size:15.5px}
.topcard:hover .tc-b{background:#fdf1ef;color:#b85346}
@media(max-width:640px){.topcard{flex-direction:column;align-items:flex-start}.topcard .tc-b{width:100%;text-align:center}}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:36px;align-items:start}
@media(max-width:920px){.layout{grid-template-columns:1fr}}
article{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:8px 30px 26px}
@media(max-width:640px){article{padding:4px 18px 20px}}
.lead{font-size:18.5px;color:#2b3a47}
.range{background:var(--soft);border:1px solid #cfe8eb;border-radius:12px;padding:14px 18px;margin:18px 0}
.range b{color:var(--pri2)}
.range small{display:block;color:var(--mut);margin-top:4px}
ol.steps{padding-left:22px}ol.steps li{margin:6px 0}
.note{border-left:4px solid var(--acc);background:#fdf5f3;padding:12px 16px;border-radius:0 10px 10px 0;margin:18px 0;font-size:15.5px}
.faq details{border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:10px 0;background:#fff}
.faq summary{font-weight:600;cursor:pointer}
.cta-inline{display:inline-block;background:var(--pri);color:#fff;text-decoration:none;font-weight:700;border-radius:999px;padding:12px 22px;margin:8px 0}
.cta-inline:hover{background:var(--pri2)}
aside .box{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin-bottom:18px}
aside .box h3{margin-top:0;font-size:17px}aside ul{list-style:none;padding:0;margin:0}aside li{margin:6px 0}aside a{text-decoration:none}
.author{display:flex;gap:16px;align-items:flex-start;border-top:1px solid var(--line);margin-top:30px;padding-top:20px}
.author img{width:76px;height:76px;border-radius:50%;object-fit:cover;flex:0 0 auto}
.author p{margin:4px 0;font-size:15.5px;color:#344451}
.disclaimer{font-size:14px;color:var(--mut);background:#f1f4f7;border-radius:10px;padding:12px 16px;margin-top:22px}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:16px;margin:18px 0}
.tile{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;text-decoration:none;color:var(--ink);transition:box-shadow .15s}
.tile:hover{box-shadow:0 6px 18px rgba(20,40,60,.08)}.tile b{display:block;font-size:17px;color:var(--pri2)}.tile span{font-size:14px;color:var(--mut)}
footer.site{margin-top:46px;background:#fff;border-top:1px solid var(--line);padding:26px 0;font-size:14px;color:var(--mut)}
footer.site a{color:var(--mut);margin-right:14px}
table.kv{border-collapse:collapse;width:100%;font-size:15px;margin:12px 0}table.kv td,table.kv th{border-bottom:1px solid var(--line);padding:8px 6px;text-align:left}