*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#FFFFFF;--bg-soft:#F4F7FC;--bg-mute:#EEF3FA;--bg-deep:#0A1F3C;--bg-deep2:#0E2A4E;
  --text:#0A1F3C;--text-soft:#3A4F69;--muted:#6B7E96;
  --accent:#2563EB;--accent-deep:#1D4FD7;--accent-ink:#163FAE;--accent-soft:#EAF1FE;
  --gold:#CFAB52;--gold-soft:#E6CC84;
  --danger:#E2574C;--warn:#E8A33D;--success:#1F9D6B;
  --line:rgba(10,31,60,.08);--line-strong:rgba(10,31,60,.14);
  --shadow:0 24px 60px rgba(10,31,60,.14);--shadow-soft:0 10px 30px rgba(10,31,60,.08);--shadow-card:0 4px 18px rgba(10,31,60,.06);
  --radius:18px;--radius-sm:12px
}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;overflow-x:hidden}
body{overflow-x:hidden}
h1,h2,h3,h4{overflow-wrap:break-word}
body{background:var(--bg);color:var(--text);font-family:'Manrope',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;font-weight:400;-webkit-font-smoothing:antialiased;line-height:1.6}
h1,h2,h3,h4{font-family:'Manrope',sans-serif;font-weight:800;letter-spacing:-.025em;color:var(--text)}
a{color:var(--accent-deep);text-decoration:none;transition:color .2s,opacity .2s,background .2s,transform .2s}
a:hover{color:var(--accent-ink)}
img{display:block;max-width:100%;height:auto}
.wrap{max-width:1180px;margin:0 auto;padding:0 32px}
@media(max-width:760px){.wrap{padding:0 18px}}

/* ===== NAV ===== */
.nav{position:fixed;top:0;left:0;right:0;z-index:200;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:0 32px;height:68px;background:rgba(255,255,255,.9);backdrop-filter:blur(16px);border-bottom:1px solid var(--line);transition:.3s}
.nav.scrolled{box-shadow:var(--shadow-soft)}
.brand{font-family:'Manrope',sans-serif;font-size:21px;font-weight:800;letter-spacing:-.03em;color:var(--text);display:flex;align-items:center;gap:10px;white-space:nowrap;flex:none}
.brand .mark{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:10px;background:linear-gradient(135deg,var(--accent),var(--accent-ink));color:#fff;font-size:18px;box-shadow:0 4px 12px rgba(37,99,235,.35)}
.brand b{color:var(--accent)}
.menu{display:flex;align-items:center;gap:6px;margin-left:auto}
.menu>li{list-style:none;position:relative}
.menu>li>a{display:flex;align-items:center;gap:5px;padding:10px 14px;font-size:15px;font-weight:600;color:var(--text);border-radius:10px}
.menu>li>a:hover{background:var(--accent-soft);color:var(--accent-ink)}
.menu>li>a .chev{width:8px;height:8px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin-top:-3px;opacity:.6;transition:.2s}
.menu>li:hover>a .chev{transform:rotate(-135deg);margin-top:2px}
.dropdown{position:absolute;top:calc(100% + 10px);left:0;min-width:300px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:10px;opacity:0;visibility:hidden;transform:translateY(8px);transition:.22s;display:grid;gap:2px}
.dropdown.wide{min-width:560px;grid-template-columns:1fr 1fr}
.menu>li:hover .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:flex;flex-direction:column;gap:2px;padding:11px 14px;border-radius:11px;color:var(--text)}
.dropdown a:hover{background:var(--bg-soft)}
.dropdown a b{font-size:14.5px;font-weight:700;color:var(--text);display:flex;align-items:center;gap:8px}
.dropdown a span{font-size:12.5px;color:var(--muted);line-height:1.4;padding-left:26px}
.dropdown .ico{width:18px;text-align:center}
.nav-cta{flex:none;font-size:14px;letter-spacing:.01em;font-weight:700;padding:12px 22px;background:linear-gradient(135deg,var(--accent),var(--accent-ink));color:#fff;border-radius:11px;box-shadow:0 6px 18px rgba(37,99,235,.32);white-space:nowrap}
.nav-cta:hover{color:#fff;transform:translateY(-1px);box-shadow:0 10px 24px rgba(37,99,235,.4)}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px}
.burger span{width:24px;height:2.5px;background:var(--text);border-radius:2px;transition:.25s}
.mobile-menu{display:none}
@media(max-width:980px){
  .menu{display:none;position:fixed;top:68px;left:0;right:0;bottom:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;margin:0;padding:14px 18px 40px;overflow-y:auto;border-top:1px solid var(--line)}
  .menu.open{display:flex}
  .menu>li>a{font-size:17px;padding:15px 12px;border-bottom:1px solid var(--line);border-radius:0;justify-content:space-between}
  .menu>li>a .chev{display:none}
  .dropdown,.dropdown.wide{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:none;padding:4px 0 12px 12px;min-width:0;grid-template-columns:1fr;display:none}
  .menu>li.open-sub .dropdown{display:grid}
  .burger{display:flex;order:3}
  .nav{padding:0 16px;gap:10px}
  .nav-cta{display:none}
  .brand{font-size:18px;flex:1}
  /* CTA внутрь мобильного меню */
  .menu .mob-cta{display:block;margin-top:16px}
  .menu .mob-cta a{display:block;text-align:center;background:linear-gradient(135deg,var(--accent),var(--accent-ink));color:#fff;padding:15px;border-radius:12px;font-weight:700;border:none}
}
.menu .mob-cta{display:none}

/* ===== HOME HERO (premium dark) ===== */
.home-hero{position:relative;padding:140px 0 90px;background:radial-gradient(120% 120% at 80% -10%,#143A6B 0%,#0A1F3C 55%,#081730 100%);color:#fff;overflow:hidden}
.home-hero::before{content:"";position:absolute;inset:0;background:url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" width="40" height="40"><path d="M0 39.5H40M39.5 0V40" stroke="white" stroke-opacity="0.04"/></svg>');pointer-events:none}
.home-hero::after{content:"";position:absolute;top:-120px;right:-80px;width:520px;height:520px;background:radial-gradient(circle,rgba(37,99,235,.45),transparent 65%);filter:blur(20px);pointer-events:none}
.home-hero .wrap{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:54px;align-items:center}
.hero-badge{display:inline-flex;align-items:center;gap:8px;font-size:12px;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--gold-soft);padding:8px 16px;border:1px solid rgba(230,204,132,.35);border-radius:40px;background:rgba(230,204,132,.07);margin-bottom:24px}
.home-hero h1{font-size:clamp(34px,4.6vw,58px);line-height:1.08;letter-spacing:-.03em;color:#fff;margin-bottom:22px}
.home-hero h1 em{font-style:normal;background:linear-gradient(120deg,var(--gold-soft),#fff);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.home-hero .lead{font-size:19px;line-height:1.6;color:#B9CBE2;max-width:560px;margin-bottom:32px;font-weight:500}
.hero-cta-row{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.btn-hero{display:inline-flex;align-items:center;gap:10px;padding:17px 32px;border-radius:13px;font-size:16px;font-weight:700;transition:.25s}
.btn-hero.primary{background:linear-gradient(135deg,var(--accent),var(--accent-ink));color:#fff;box-shadow:0 12px 30px rgba(37,99,235,.45)}
.btn-hero.primary:hover{color:#fff;transform:translateY(-2px);box-shadow:0 16px 38px rgba(37,99,235,.55)}
.btn-hero.ghost{color:#fff;border:1.5px solid rgba(255,255,255,.25)}
.btn-hero.ghost:hover{color:#fff;border-color:var(--gold-soft);background:rgba(255,255,255,.06)}
.hero-stats{display:flex;gap:34px;margin-top:44px;flex-wrap:wrap}
.hero-stats .st b{display:block;font-size:32px;font-weight:800;color:#fff;letter-spacing:-.02em;background:linear-gradient(120deg,#fff,var(--gold-soft));-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.hero-stats .st span{font-size:13px;color:#8FA6C4;font-weight:600}
/* hero card (right) — quick request */
.hero-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:22px;padding:28px;backdrop-filter:blur(8px);box-shadow:0 24px 60px rgba(0,0,0,.3)}
.hero-card h3{color:#fff;font-size:20px;margin-bottom:6px}
.hero-card p{color:#9FB4D1;font-size:14px;margin-bottom:18px}
.hero-card .hc-points{display:grid;gap:10px;margin-bottom:22px}
.hero-card .hc-points div{display:flex;align-items:center;gap:10px;font-size:14.5px;color:#D6E2F2;font-weight:500}
.hero-card .hc-points .ck{flex:none;width:22px;height:22px;border-radius:7px;background:rgba(31,157,107,.2);color:#5BD6A0;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:800}
.hero-card .btn-hero{width:100%;justify-content:center;font-size:15px;padding:15px}
.hero-card .note{font-size:11.5px;color:#7C93B3;text-align:center;margin-top:12px;margin-bottom:0}
@media(max-width:920px){
  .hero-grid{grid-template-columns:1fr;gap:38px}
  .home-hero{padding:110px 0 70px}
  .hero-stats{gap:24px}
}

/* ===== SECTIONS / HOME ===== */
.section{padding:84px 0}
.section.soft{background:var(--bg-soft)}
.section.deep{background:linear-gradient(160deg,#0A1F3C,#0E2A4E);color:#fff}
.sec-head{text-align:center;max-width:680px;margin:0 auto 50px}
.sec-head .eyebrow{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--accent);font-weight:800;margin-bottom:14px}
.section.deep .sec-head .eyebrow{color:var(--gold-soft)}
.sec-head h2{font-size:clamp(28px,3.6vw,40px);line-height:1.15;margin-bottom:14px}
.section.deep .sec-head h2{color:#fff}
.sec-head p{font-size:17px;color:var(--text-soft);line-height:1.6}
.section.deep .sec-head p{color:#A9BDD8}

/* service cards with icons */
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.svc{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 26px;transition:.28s;display:block;overflow:hidden}
.svc::after{content:"→";position:absolute;right:24px;bottom:22px;font-size:18px;color:var(--accent);opacity:0;transform:translateX(-6px);transition:.28s;font-weight:700}
.svc:hover{border-color:transparent;transform:translateY(-6px);box-shadow:var(--shadow)}
.svc:hover::after{opacity:1;transform:translateX(0)}
.svc .ic{width:54px;height:54px;border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:26px;background:var(--accent-soft);margin-bottom:18px;transition:.28s}
.svc:hover .ic{background:linear-gradient(135deg,var(--accent),var(--accent-ink));transform:scale(1.05)}
.svc .tag{font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:700;margin-bottom:8px}
.svc h3{font-size:20px;margin-bottom:9px;color:var(--text)}
.svc p{font-size:14.5px;color:var(--text-soft);line-height:1.6}
@media(max-width:900px){.svc-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.svc-grid{grid-template-columns:1fr}}

/* compact link grid (cities / guides) */
.link-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.link-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:18px 20px;transition:.22s;display:flex;flex-direction:column;gap:4px}
.section.soft .link-card{background:#fff}
.link-card:hover{border-color:var(--accent);transform:translateY(-3px);box-shadow:var(--shadow-card)}
.link-card .meta{font-size:10.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:700}
.link-card b{font-size:16px;font-weight:700;color:var(--text)}
.link-card span{font-size:13px;color:var(--text-soft);line-height:1.5}
@media(max-width:820px){.link-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.link-grid{grid-template-columns:1fr}}

/* steps home */
.steps-row{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:sr}
.steps-row .sr{position:relative;padding:28px 22px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);text-align:left}
.steps-row .sr .n{counter-increment:sr;width:44px;height:44px;border-radius:12px;background:var(--accent-soft);color:var(--accent-ink);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;margin-bottom:16px}
.steps-row .sr .n::before{content:"0" counter(sr)}
.steps-row .sr h4{font-size:17px;margin-bottom:7px}
.steps-row .sr p{font-size:14px;color:var(--text-soft);line-height:1.6}
.section.deep .steps-row .sr{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12)}
.section.deep .steps-row .sr h4{color:#fff}.section.deep .steps-row .sr p{color:#A9BDD8}
.section.deep .steps-row .sr .n{background:rgba(207,171,82,.18);color:var(--gold-soft)}
@media(max-width:900px){.steps-row{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.steps-row{grid-template-columns:1fr}}

/* big CTA band */
.cta-band{background:linear-gradient(135deg,#0A1F3C 0%,#15407A 100%);border-radius:26px;padding:60px 50px;text-align:center;position:relative;overflow:hidden;color:#fff}
.cta-band::before{content:"";position:absolute;top:-80px;right:-60px;width:300px;height:300px;background:radial-gradient(circle,rgba(207,171,82,.3),transparent 65%)}
.cta-band .eyebrow{color:var(--gold-soft);position:relative}
.cta-band h2{font-size:clamp(26px,3.4vw,38px);color:#fff;margin:10px 0 14px;position:relative}
.cta-band p{font-size:17px;color:#B9CBE2;max-width:540px;margin:0 auto 30px;position:relative}
.cta-band .hero-cta-row{justify-content:center;position:relative}

/* ===== ARTICLE HERO ===== */
.hero{padding:120px 24px 54px;text-align:center;background:radial-gradient(110% 140% at 50% 0%,#EAF1FE 0%,#F4F7FC 60%);border-bottom:1px solid var(--line)}
.breadcrumb{font-size:12.5px;letter-spacing:.02em;color:var(--muted);margin-bottom:18px}
.breadcrumb a{color:var(--muted);font-weight:600}
.breadcrumb a:hover{color:var(--accent)}
.tag-pin{display:inline-flex;align-items:center;gap:8px;font-size:12px;letter-spacing:.08em;text-transform:uppercase;font-weight:700;color:var(--accent-ink);margin-bottom:20px;padding:8px 16px;border:1px solid var(--accent);border-radius:40px;background:#fff}
.hero h1{font-size:clamp(30px,5vw,52px);line-height:1.12;max-width:920px;margin:0 auto 20px;letter-spacing:-.03em}
.hero h1 em{color:var(--accent-deep);font-style:normal}
.hero .sub{font-size:18px;color:var(--text-soft);max-width:680px;margin:0 auto;line-height:1.6;font-weight:500}
.hero .meta{margin-top:24px;font-size:12.5px;letter-spacing:.04em;color:var(--muted);font-weight:600}
.trust-row{display:flex;gap:26px;justify-content:center;flex-wrap:wrap;margin-top:30px}
.trust-row .ti{display:flex;align-items:center;gap:8px;font-size:13px;font-weight:700;color:var(--text-soft)}
.trust-row .ti b{color:var(--accent-deep)}

.cover{max-width:1120px;margin:0 auto;padding:0 24px}
.cover img{width:100%;aspect-ratio:21/9;object-fit:cover;margin-top:-36px;position:relative;z-index:2;border-radius:var(--radius);box-shadow:var(--shadow)}

/* ===== ARTICLE BODY + STICKY TOC ===== */
.article-shell{max-width:1120px;margin:0 auto;padding:60px 24px;display:grid;grid-template-columns:1fr 260px;gap:48px;align-items:start}
.article{min-width:0}
.article h2{font-size:clamp(25px,3.2vw,33px);margin:54px 0 18px;line-height:1.2;letter-spacing:-.02em;scroll-margin-top:90px}
.article h2:first-child{margin-top:0}
.article h3{font-size:22px;margin:36px 0 12px;line-height:1.3;font-weight:800}
.article p{font-size:17px;line-height:1.78;margin-bottom:20px;color:var(--text-soft)}
.article p strong{color:var(--text);font-weight:700}
.article ul,.article ol{margin:0 0 22px 4px;padding-left:22px}
.article li{font-size:17px;line-height:1.75;margin-bottom:10px;color:var(--text-soft)}
.article ul li::marker{color:var(--accent)}
.article ol li::marker{color:var(--accent-deep);font-weight:700}

/* sticky side TOC (generated from .toc) */
.toc-side{position:sticky;top:90px;align-self:start}
.toc-side .ttl{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);font-weight:800;margin-bottom:14px}
.toc-side ol{list-style:none;border-left:2px solid var(--line);padding-left:0}
.toc-side li{margin:0}
.toc-side a{display:block;padding:7px 0 7px 16px;margin-left:-2px;border-left:2px solid transparent;font-size:14px;color:var(--text-soft);font-weight:600;line-height:1.4}
.toc-side a:hover,.toc-side a.active{color:var(--accent-ink);border-left-color:var(--accent)}
@media(max-width:980px){.article-shell{grid-template-columns:1fr;gap:0}.toc-side{display:none}}

.tldr{background:linear-gradient(135deg,#0A1F3C,#123257);color:#E8F0FB;padding:32px 36px;margin:0 0 44px;border-radius:var(--radius);border-left:5px solid var(--gold);box-shadow:var(--shadow-soft)}
.tldr .label{font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-soft);margin-bottom:12px;font-weight:800}
.tldr p{font-size:18.5px;line-height:1.55;color:#E8F0FB;margin:0;font-weight:600}
.tldr p strong{color:#fff;font-weight:800}

/* inline TOC (kept, styled as card) */
.toc{background:var(--bg-soft);padding:24px 28px;margin-bottom:46px;border:1px solid var(--line);border-radius:var(--radius-sm)}
.toc .ttl{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin-bottom:12px;font-weight:800}
.toc ol{margin-left:18px;list-style:decimal}
.toc li{font-size:15px;margin-bottom:8px}
.toc a{color:var(--text);font-weight:600}
.toc a:hover{color:var(--accent)}
@media(min-width:981px){.toc.inline-hide{display:none}}

.pullquote{font-size:26px;line-height:1.35;color:var(--text);margin:50px 0;padding:26px 0 26px 26px;border-left:4px solid var(--accent);font-weight:700;letter-spacing:-.02em}

.law{background:#FCFAF3;border:1px solid var(--line-strong);border-left:4px solid var(--gold);border-radius:var(--radius-sm);padding:24px 28px;margin:34px 0}
.law .src{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:#A8842E;font-weight:800;margin-bottom:10px;display:flex;align-items:center;gap:8px}
.law .src::before{content:'§';font-size:16px;color:var(--gold)}
.law p{font-size:16px;line-height:1.7;color:var(--text-soft);margin:0;font-style:italic}
.law p strong{font-style:normal;color:var(--text)}

.table-wrap{margin:26px 0 40px;overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius-sm);box-shadow:var(--shadow-card)}
table{width:100%;border-collapse:collapse;font-size:15px;min-width:520px;background:#fff}
th{background:var(--bg-deep);color:#fff;text-align:left;padding:15px 18px;font-weight:700;font-size:12px;letter-spacing:.05em}
td{padding:14px 18px;border-bottom:1px solid var(--line);color:var(--text-soft)}
tr:last-child td{border-bottom:none}
tr:nth-child(even) td{background:var(--bg-soft)}
td:first-child{font-weight:700;color:var(--text)}
td strong{color:var(--accent-deep)}

.callout{padding:24px 28px;margin:34px 0;border-radius:var(--radius-sm);border-left:4px solid var(--accent);background:var(--accent-soft)}
.callout.green{background:rgba(31,157,107,.08);border-color:var(--success)}
.callout.red{background:rgba(226,87,76,.07);border-color:var(--danger)}
.callout.warn{background:rgba(232,163,61,.1);border-color:var(--warn)}
.callout .ttl{font-size:11px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:10px;font-weight:800;color:var(--accent-ink)}
.callout.green .ttl{color:var(--success)}.callout.red .ttl{color:var(--danger)}.callout.warn .ttl{color:#C7861F}
.callout p:last-child{margin-bottom:0}
.callout ul,.callout ol{margin-bottom:0}

.inline-photo{margin:44px 0}
.inline-photo img{width:100%;aspect-ratio:16/9;object-fit:cover;border-radius:var(--radius-sm);box-shadow:var(--shadow-soft)}
.inline-photo .caption{margin-top:12px;font-size:14px;font-style:italic;color:var(--muted);text-align:center}

.price-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:34px 0 40px}
.price-card{background:#fff;border:1.5px solid var(--line-strong);border-radius:var(--radius);padding:26px 24px;transition:.25s}
.price-card.featured{border-color:var(--accent);box-shadow:var(--shadow-soft);position:relative}
.price-card.featured::after{content:'Чаще берут';position:absolute;top:-11px;right:18px;background:var(--accent);color:#fff;font-size:11px;font-weight:800;letter-spacing:.05em;padding:5px 12px;border-radius:30px}
.price-card .pc-name{font-size:13px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--muted)}
.price-card .pc-price{font-size:28px;font-weight:800;color:var(--text);margin:10px 0 4px;letter-spacing:-.02em}
.price-card .pc-price span{font-size:14px;color:var(--muted);font-weight:600}
.price-card .pc-desc{font-size:14px;color:var(--text-soft);line-height:1.55}
.price-card ul{margin:14px 0 0;padding-left:18px}.price-card li{font-size:14px;margin-bottom:7px;color:var(--text-soft)}
@media(max-width:760px){.price-grid{grid-template-columns:1fr}}

.steps{counter-reset:st;margin:34px 0 40px}
.step{display:flex;gap:18px;padding:18px 0;border-bottom:1px solid var(--line)}
.step:last-child{border-bottom:none}
.step .num{flex:none;counter-increment:st;width:40px;height:40px;border-radius:11px;background:var(--accent-soft);color:var(--accent-ink);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:17px}
.step .num::before{content:counter(st)}
.step .sc h4{font-size:18px;margin-bottom:5px}.step .sc p{margin:0;font-size:15px}

/* inline article CTA */
.cta-inline{background:linear-gradient(135deg,#0A1F3C 0%,#15407A 100%);color:#fff;padding:44px 40px;margin:56px 0;text-align:center;border-radius:var(--radius);position:relative;overflow:hidden}
.cta-inline::before{content:'';position:absolute;top:-60px;right:-40px;width:220px;height:220px;background:radial-gradient(circle,rgba(207,171,82,.3),transparent 70%)}
.cta-inline .label{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-soft);margin-bottom:12px;font-weight:800;position:relative}
.cta-inline h3{font-size:28px;line-height:1.2;color:#fff;margin-bottom:12px;font-weight:800;position:relative;letter-spacing:-.02em}
.cta-inline h3 em{color:var(--gold-soft);font-style:normal}
.cta-inline p{font-size:16px;color:#B9CBE2;margin-bottom:26px;max-width:480px;margin-left:auto;margin-right:auto;position:relative}
.cta-inline .btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;position:relative}
.btn{display:inline-flex;align-items:center;gap:8px;padding:15px 30px;border-radius:12px;font-size:14px;font-weight:700;transition:.25s;border:1.5px solid transparent;cursor:pointer}
.btn-solid{background:linear-gradient(135deg,var(--accent),var(--accent-ink));color:#fff;box-shadow:0 8px 22px rgba(37,99,235,.4)}
.btn-solid:hover{color:#fff;transform:translateY(-1px)}
.btn-ghost{border-color:rgba(255,255,255,.3);color:#fff}
.btn-ghost:hover{border-color:var(--gold-soft);color:#fff;background:rgba(255,255,255,.06)}

.faq{margin:50px 0}
.faq .q{font-size:19px;font-weight:800;margin:24px 0 9px;color:var(--text);line-height:1.3;display:flex;gap:10px}
.faq .q::before{content:'?';flex:none;width:26px;height:26px;border-radius:8px;background:var(--accent-soft);color:var(--accent-ink);display:flex;align-items:center;justify-content:center;font-size:15px;font-weight:800}
.faq .a{font-size:16px;line-height:1.7;color:var(--text-soft);padding-left:36px}

.related{background:var(--bg-soft);padding:64px 24px}
.related .rwrap{max-width:1120px;margin:0 auto}
.related .label{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--accent);text-align:center;margin-bottom:12px;font-weight:800}
.related h2{font-size:30px;text-align:center;margin-bottom:40px;letter-spacing:-.02em}
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.related-card{background:#fff;padding:26px;border:1px solid var(--line);border-radius:var(--radius);transition:.25s;display:block}
.related-card:hover{border-color:var(--accent);transform:translateY(-4px);box-shadow:var(--shadow-soft)}
.related-card .meta{font-size:11px;letter-spacing:.07em;text-transform:uppercase;color:var(--muted);margin-bottom:10px;font-weight:700}
.related-card h3{font-size:19px;line-height:1.3;margin-bottom:10px;color:var(--text)}
.related-card p{font-size:14px;line-height:1.6;color:var(--text-soft)}
@media(max-width:900px){.related-grid{grid-template-columns:1fr}}

footer{background:var(--bg-deep);color:#8FA3BC;padding:54px 24px 40px;text-align:center;font-size:13px;line-height:1.7}
footer a{color:var(--gold-soft)}
footer .fl{margin-bottom:10px}
footer .fnav{display:flex;gap:8px 22px;justify-content:center;flex-wrap:wrap;margin-bottom:18px;padding-bottom:22px;border-bottom:1px solid rgba(255,255,255,.08)}
footer .fnav a{color:#C4D3E6;font-weight:600;font-size:14px}
footer .fnav a:hover{color:var(--gold-soft)}
footer .disclaimer{max-width:760px;margin:16px auto 0;font-size:11px;color:#5E7388;line-height:1.6}

@media(max-width:600px){
  .hero{padding:100px 18px 40px}
  .article-shell{padding:44px 18px}
  .article h2{font-size:25px}.article h3{font-size:20px}
  .article p,.article li{font-size:16px}
  .tldr,.cta-inline{padding:26px 22px}.tldr p{font-size:17px}.cta-inline h3{font-size:23px}
  .pullquote{font-size:21px;margin:36px 0}
  .cover img{margin-top:-20px;border-radius:12px}
  .section{padding:60px 0}
  .home-hero{padding:92px 0 48px}
  .home-hero h1{font-size:27px;line-height:1.18;letter-spacing:-.02em}
  .home-hero .lead{font-size:15.5px;max-width:100%}
  .hero-badge{font-size:10.5px;letter-spacing:.06em;padding:7px 12px;white-space:normal;line-height:1.4;margin-bottom:18px}
  .hero-cta-row{gap:10px}
  .hero-cta-row .btn-hero{flex:1 1 100%;justify-content:center}
  .hero-stats{gap:10px;margin-top:30px}
  .hero-stats .st{flex:1 1 30%;min-width:0}
  .hero-stats .st b{font-size:21px}
  .hero-stats .st span{font-size:11px}
  .btn-hero{padding:14px 18px;font-size:14.5px}
  .hero-card{padding:24px}
  .cta-band{padding:40px 20px}
  .cta-band h2{font-size:23px}
  .sec-head h2{font-size:25px}
  .home-hero h1 em{-webkit-text-fill-color:var(--gold-soft);color:var(--gold-soft)}
}