:root{--bg:#f5f0e8;--card:#ffffff;--ink:#1e2a2f;--muted:#687579;--brand:#b56d2a;--brand-dark:#79522b;--accent:#2f6f73;--line:#e4d8c7;--soft:#fff6e8;--soft2:#eaf4f2;--shadow:0 20px 60px rgba(55,43,31,.14)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:radial-gradient(circle at top left,#fff7e8 0,#f5f0e8 26%,#fbfaf7 62%,#eef6f4 100%);line-height:1.65}.wrap{max-width:1160px;margin:0 auto;padding:0 22px}.topbar{position:sticky;top:0;z-index:5;background:rgba(251,248,242,.93);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:78px}.brand{display:flex;align-items:center;gap:11px;color:var(--ink);text-decoration:none;font-weight:900;font-size:1.22rem;letter-spacing:-.02em}.mark{display:inline-flex;align-items:center;justify-content:center;width:39px;height:39px;border-radius:15px;background:linear-gradient(135deg,var(--brand),var(--accent));color:#fff;font-weight:900}.links{display:flex;gap:14px;flex-wrap:wrap}.links a,.footer a,.breadcrumb a{color:var(--ink);text-decoration:none}.links a{font-weight:700;font-size:.96rem}.links a:hover,.links a.active,.footer a:hover,.breadcrumb a:hover{color:var(--brand)}.hero{padding:72px 0 48px}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:30px;align-items:center}.eyebrow{display:inline-flex;padding:7px 13px;border:1px solid var(--line);border-radius:999px;background:#fff;font-weight:800;color:var(--accent);font-size:.92rem}h1{font-size:clamp(2.1rem,4.5vw,4.7rem);line-height:1.04;margin:18px 0 20px;letter-spacing:-.055em}h2{font-size:clamp(1.45rem,2.4vw,2.25rem);line-height:1.2;margin:36px 0 12px;letter-spacing:-.025em}h3{margin:16px 0 8px;line-height:1.25}.lead{font-size:1.18rem;color:var(--muted);max-width:800px}.section-lead{color:var(--muted);max-width:820px}.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 18px;border-radius:14px;background:var(--brand);color:#fff;text-decoration:none;font-weight:900;border:0;cursor:pointer;font-size:1rem}.btn:hover{background:var(--brand-dark)}.btn.secondary{background:#fff;color:var(--ink);border:1px solid var(--line)}.btn.secondary:hover{background:var(--soft)}.card{background:rgba(255,255,255,.95);border:1px solid var(--line);border-radius:28px;box-shadow:var(--shadow)}.hero-card{padding:28px;position:relative;overflow:hidden}.hero-card:before{content:"";position:absolute;inset:auto -40px -70px auto;width:180px;height:180px;background:var(--soft2);border-radius:50%}.badge{display:inline-flex;background:var(--soft2);color:var(--accent);border-radius:999px;padding:6px 12px;font-weight:900}.big-number{font-size:clamp(2rem,3vw,3.2rem);font-weight:900;color:var(--brand);line-height:1.05;margin:20px 0}.muted{color:var(--muted)}.section{padding:38px 0}.section.soft{background:linear-gradient(135deg,rgba(255,246,232,.75),rgba(234,244,242,.8));border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-top:26px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid.two{grid-template-columns:repeat(2,1fr)}.teaser{padding:25px;text-decoration:none;color:var(--ink);transition:transform .16s ease,box-shadow .16s ease}.teaser:hover{transform:translateY(-3px);box-shadow:0 24px 64px rgba(55,43,31,.18)}.teaser p,.mini p{color:var(--muted)}.icon{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:14px;background:var(--soft);color:var(--brand);font-weight:900}.split{display:grid;grid-template-columns:1fr .82fr;gap:22px;align-items:center}.list-card{padding:25px}.article{padding:42px 0}.article-shell{padding:36px}.article-body{max-width:880px;margin:0 auto}.breadcrumb{font-size:.95rem;color:var(--muted);margin-bottom:12px}.toc{padding:16px 18px;border-radius:18px;background:var(--soft);border:1px solid var(--line);margin:24px 0}.toc a{color:var(--brand);text-decoration:none;margin-left:11px;font-weight:800}.table-wrap{overflow-x:auto;margin:20px 0}table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden}th,td{padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top;text-align:left}th{background:var(--soft);font-weight:900}tr:last-child td{border-bottom:0}.note{border-left:4px solid var(--accent);background:var(--soft2);padding:15px 17px;border-radius:13px;color:#2b5558}.mini{padding:20px;box-shadow:none}.nextbox{margin-top:34px;padding:22px;border:1px solid var(--line);border-radius:22px;background:linear-gradient(135deg,var(--soft),#fff)}.calculator{padding:24px;border:1px solid var(--line);border-radius:24px;background:#fff}.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.field label{display:block;font-weight:900;margin-bottom:6px}.field input{width:100%;padding:12px 13px;border:1px solid var(--line);border-radius:12px;font-size:1rem;background:#fff}.calc-btn{margin-top:18px}.result{margin-top:18px;padding:18px;border-radius:18px;background:var(--soft2);font-size:1.16rem}.result span{color:var(--muted);font-size:1rem}.footer{border-top:1px solid var(--line);padding:27px 0;margin-top:36px;background:#fbfaf7}.footer-grid{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;color:var(--muted)}ul{padding-left:22px}@media(max-width:900px){.hero-grid,.grid,.grid.two,.split,.calc-grid{grid-template-columns:1fr}.nav{align-items:flex-start;flex-direction:column;padding:16px 22px}.links{gap:10px}.links a{font-size:.95rem}.hero{padding-top:38px}.article-shell{padding:24px}.toc a{display:inline-block;margin:6px 10px 0 0}}