:root{--navy:#00346f;--navy2:#0a4a96;--navy3:#062a57;--or:#f5821f;--or2:#d96b0b;--pk:#e5004f;--bg:#f3f6fb;--ink:#1b2535;--mut:#5b6679;--line:#dce3ee;--wh:#fff}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 "PT Sans",Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg);-webkit-text-size-adjust:100%}
img{max-width:100%;height:auto}
a{color:var(--navy2)}
a:hover{color:var(--or2)}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0}
h2{font-size:30px;margin-bottom:14px}
h3{font-size:20px;margin-bottom:8px}
p{margin:0 0 14px}

.hd{background:#fff;border-bottom:3px solid var(--or);position:sticky;top:0;z-index:20}
.hd .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:84px}
.logo{display:block;line-height:0}
.logo img{height:64px;width:auto}
.nav{display:flex;gap:4px;flex-wrap:wrap;justify-content:flex-end}
.nav a{display:block;padding:9px 14px;border-radius:6px;text-decoration:none;color:var(--navy);font-weight:700;font-size:16px}
.nav a:hover{background:var(--bg);color:var(--or2)}
.nav a.on{background:var(--navy);color:#fff}
#mt,.burger{display:none}

.hero{background:linear-gradient(115deg,var(--navy3) 0%,var(--navy) 55%,var(--navy2) 100%);color:#fff;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;right:-120px;top:-160px;width:520px;height:520px;border-radius:50%;border:70px solid rgba(245,130,31,.13)}
.hero:after{content:"";position:absolute;right:240px;bottom:-200px;width:380px;height:380px;border-radius:50%;border:44px solid rgba(255,255,255,.05)}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center;padding-top:64px;padding-bottom:64px;position:relative;z-index:1}
.hero .kick{display:inline-block;background:var(--or);color:#fff;font-weight:700;font-size:14px;letter-spacing:.06em;text-transform:uppercase;padding:5px 12px;border-radius:4px;margin-bottom:18px}
.hero h1{color:#fff;font-size:46px;margin-bottom:18px}
.hero p.lead{font-size:20px;color:#d3e0f3;max-width:560px;margin-bottom:26px}
.btns{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;padding:13px 24px;border-radius:6px;font-weight:700;text-decoration:none;font-size:16px;border:2px solid var(--or);background:var(--or);color:#fff}
.btn:hover{background:var(--or2);border-color:var(--or2);color:#fff}
.btn.ghost{background:transparent;border-color:rgba(255,255,255,.55)}
.btn.ghost:hover{background:rgba(255,255,255,.12);border-color:#fff}
.hero .ill{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.hero .ill div{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:12px;padding:20px 16px;text-align:center;font-weight:700;font-size:16px}
.hero .ill div:nth-child(2),.hero .ill div:nth-child(3){background:rgba(245,130,31,.16);border-color:rgba(245,130,31,.45)}
.hero .ill svg{width:54px;height:54px;display:block;margin:0 auto 8px;stroke:#fff;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.hero .ill div:nth-child(2) svg,.hero .ill div:nth-child(3) svg{stroke:#ffc58f}

section.s{padding:64px 0}
section.s.alt{background:#fff}
.sub{color:var(--mut);max-width:760px;margin-bottom:30px;font-size:18px}
.ttl{margin-bottom:6px}

.def{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:start}
.def .quote{background:#fff;border-left:6px solid var(--or);padding:22px 24px;border-radius:0 10px 10px 0;box-shadow:0 2px 10px rgba(0,52,111,.07)}
.def .quote p{margin:0}

.deal{background:#fff;border-radius:14px;padding:26px;box-shadow:0 2px 14px rgba(0,52,111,.08);border:1px solid var(--line)}
.deal svg{display:block;width:100%;height:auto}
.deal .t{font:700 16px "PT Sans",Arial,sans-serif;fill:var(--navy)}
.deal .t2{font:400 13px "PT Sans",Arial,sans-serif;fill:var(--mut)}
.deal .lb{font:700 13px "PT Sans",Arial,sans-serif;fill:var(--ink)}
ol.steps{list-style:none;margin:22px 0 0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:14px;counter-reset:st}
ol.steps li{counter-increment:st;background:var(--bg);border-radius:10px;padding:16px 16px 14px 16px;font-size:15.5px;line-height:1.45;position:relative}
ol.steps li:before{content:counter(st);display:block;width:30px;height:30px;border-radius:50%;background:var(--or);color:#fff;font-weight:700;text-align:center;line-height:30px;margin-bottom:8px}
ol.steps b{display:block;color:var(--navy);margin-bottom:2px}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px 22px;box-shadow:0 2px 10px rgba(0,52,111,.05)}
.card svg{width:48px;height:48px;stroke:var(--navy);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;margin-bottom:12px}
.card h3{margin-bottom:6px}
.card p{margin:0;color:var(--mut);font-size:16px}
.note{margin-top:22px;background:#fff6ec;border:1px solid #f9d5ae;border-radius:10px;padding:14px 18px;font-size:16px}

.kinds{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.kinds div{border-top:4px solid var(--or);background:#fff;padding:18px 18px 16px;border-radius:0 0 10px 10px;box-shadow:0 2px 10px rgba(0,52,111,.06)}
.kinds b{display:block;color:var(--navy);font-size:18px;margin-bottom:6px}
.kinds span{font-size:15.5px;color:var(--mut);line-height:1.5;display:block}

.arts{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
a.art{display:block;text-decoration:none;color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px 26px;position:relative;transition:box-shadow .15s,transform .15s}
a.art:hover{box-shadow:0 8px 24px rgba(0,52,111,.14);transform:translateY(-2px);color:var(--ink)}
a.art b{display:block;color:var(--navy);font-size:21px;line-height:1.25;margin-bottom:8px}
a.art span{display:block;color:var(--mut);font-size:16px;line-height:1.5;margin-bottom:12px}
a.art i{font-style:normal;font-weight:700;color:var(--or2);font-size:15px}

details{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:10px}
summary{cursor:pointer;padding:16px 52px 16px 20px;font-weight:700;color:var(--navy);list-style:none;position:relative;font-size:18px}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:26px;color:var(--or);font-weight:400}
details[open] summary:after{content:"–"}
details .a{padding:0 20px 16px}
details .a p{margin:0}

.crumbs{font-size:15px;color:var(--mut);padding:20px 0 0}
.crumbs a{text-decoration:none}
.crumbs span{margin:0 6px;color:#9aa5b8}
.ph{background:#fff;border-bottom:1px solid var(--line);padding-bottom:26px}
.ph h1{font-size:40px;margin-top:10px}
.ph p{color:var(--mut);margin:10px 0 0;max-width:780px;font-size:18px}
.art-l{display:grid;grid-template-columns:260px minmax(0,1fr);gap:40px;padding:40px 0 20px;align-items:start}
.sd{position:sticky;top:104px;display:grid;gap:16px}
.toc{background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden}
.toc b{display:block;background:var(--or);color:#fff;padding:12px 16px;font-size:16px}
.toc.n b{background:var(--navy)}
.toc a{display:block;padding:10px 16px;border-top:1px solid var(--line);text-decoration:none;font-size:15.5px;line-height:1.35;color:var(--navy)}
.toc a:hover{background:var(--bg);color:var(--or2)}
.toc a.cur{font-weight:700;background:#eef3fb}
.body{background:#fff;border:1px solid var(--line);border-radius:12px;padding:34px 40px;min-width:0}
.body h2{font-size:27px;margin:34px 0 12px;scroll-margin-top:100px}
.body h2:first-child{margin-top:0}
.body h3{font-size:21px;margin:24px 0 8px}
.body ul,.body ol{padding-left:24px;margin:0 0 16px}
.body li{margin-bottom:6px}
.tl{background:#eef3fb;border-left:6px solid var(--navy);border-radius:0 10px 10px 0;padding:16px 22px;margin:0 0 24px}
.tl b{display:block;color:var(--navy);margin-bottom:4px}
.tl ul{margin:6px 0 0}
.tw{overflow-x:auto;margin:0 0 18px;border:1px solid var(--line);border-radius:10px}
.tw table{border-collapse:collapse;width:100%;min-width:560px;font-size:16px}
.tw th{background:var(--navy);color:#fff;text-align:left;padding:11px 14px;font-size:16px}
.tw td{padding:11px 14px;border-top:1px solid var(--line);vertical-align:top;line-height:1.5}
.tw tr:nth-child(even) td{background:#f7f9fd}
.tw td:first-child{font-weight:700;color:var(--navy)}
.cap{font-weight:700;color:var(--navy);margin:20px 0 8px}
dl.gl{margin:0 0 16px}
dl.gl dt{font-weight:700;color:var(--navy);margin-top:14px}
dl.gl dd{margin:2px 0 0}
.hist{list-style:none;padding:0!important;margin:0 0 16px;border-left:3px solid var(--or)}
.hist li{padding:0 0 14px 22px;position:relative;margin:0}
.hist li:before{content:"";position:absolute;left:-9px;top:7px;width:15px;height:15px;border-radius:50%;background:#fff;border:3px solid var(--or)}
.hist b{color:var(--navy)}
.sq{margin-top:40px}
.more{margin:44px 0 0;padding:34px 0 10px;border-top:1px solid var(--line)}
.more h2{font-size:26px;margin-bottom:16px}

.ft{background:var(--navy3);color:#b7c6df;margin-top:60px;padding:40px 0 30px;font-size:15.5px}
.ft .wrap{display:grid;grid-template-columns:auto 1fr;gap:40px;align-items:start}
.ft img{height:60px;width:auto;background:#fff;border-radius:8px;padding:6px 10px}
.ft a{color:#fff;text-decoration:none;margin-right:18px;display:inline-block;margin-bottom:6px}
.ft a:hover{color:#ffc58f}
.ft p{margin:10px 0 0;line-height:1.5}
.ft .c{margin-top:14px;color:#8da2c4;font-size:14.5px}

@media (max-width:980px){
.hero .wrap{grid-template-columns:1fr;padding-top:44px;padding-bottom:44px}
.hero h1{font-size:36px}
.hero .ill{display:none}
.def{grid-template-columns:1fr;gap:24px}
.cards{grid-template-columns:repeat(2,1fr)}
.kinds{grid-template-columns:repeat(2,1fr)}
ol.steps{grid-template-columns:repeat(2,1fr)}
.art-l{grid-template-columns:1fr;gap:20px}
.sd{position:static}
.toc a{display:inline-block;border-top:0;border-right:1px solid var(--line);padding:9px 12px}
.toc{display:flex;flex-wrap:wrap}
.toc b{width:100%}
}
@media (max-width:760px){
.sd .toc:not(.n){display:none}
.deal svg{display:none}
.deal{padding:18px}
.deal ol.steps{margin-top:0}
ol.steps{grid-template-columns:1fr}
.arts{grid-template-columns:1fr}
.hd .wrap{min-height:72px;flex-wrap:wrap}
.logo img{height:52px}
.burger{display:block;padding:9px 14px;border:2px solid var(--navy);border-radius:6px;font-weight:700;color:var(--navy);cursor:pointer}
.nav{display:none;width:100%;flex-direction:column;order:3;padding-bottom:12px}
#mt:checked~.nav{display:flex}
.nav a{background:var(--bg)}
.ph h1{font-size:30px}
h2{font-size:25px}
section.s{padding:44px 0}
.body{padding:22px 18px}
.body h2{font-size:23px}
.ft .wrap{grid-template-columns:1fr;gap:18px}
}
@media (max-width:520px){
.cards,.kinds{grid-template-columns:1fr}
.hero h1{font-size:30px}
.hero p.lead{font-size:18px}
body{font-size:16.5px}
}