:root{--navy:#0b2545;--navy-2:#13315c;--blue:#1d6fd8;--orange:#ff7a00;--orange-dark:#e86a00;--green:#1fa463;--gold:#ffb400;--bg:#f4f7fb;--ink:#1b2a3a;--muted:#5f6f80;--line:#dde5ee}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:"Open Sans",system-ui,sans-serif;color:var(--ink);background:#fff;line-height:1.75;font-size:17px}
h1,h2,h3,.btn,.logo{font-family:Montserrat,system-ui,sans-serif}
a{color:var(--blue)}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
header{background:#fff;box-shadow:0 2px 10px rgba(11,37,69,.08);position:sticky;top:0;z-index:20}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:16px}
.logo{font-weight:900;font-size:1.4rem;color:var(--navy);display:flex;align-items:center;gap:10px;text-decoration:none}
.logo .mark{width:52px;height:52px;flex:none}
.logo b{color:var(--orange)}
.nav-links{display:flex;align-items:center;gap:22px}
.nav-links a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem}
.nav-links .btn{padding:10px 18px;font-size:.85rem;white-space:nowrap}

.hero{background:linear-gradient(120deg,var(--navy),var(--navy-2) 60%,#1d4f9a);color:#fff;padding:48px 0 54px}
.crumbs{font-size:.85rem;opacity:.85;margin-bottom:14px}
.crumbs a{color:#fff}
.hero h1{font-size:clamp(1.8rem,4.2vw,2.8rem);font-weight:900;line-height:1.15;max-width:820px;margin-bottom:14px}
.hero p{max-width:760px;opacity:.92;font-size:1.08rem}
.meta{margin-top:16px;font-size:.85rem;opacity:.75}

.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:44px;padding:44px 20px 60px}
article h2{font-size:1.55rem;color:var(--navy);margin:38px 0 12px;line-height:1.3}
article h2:first-child{margin-top:0}
article h3{font-size:1.15rem;color:var(--navy);margin:24px 0 8px}
article p{margin:0 0 16px}
article ul,article ol{margin:0 0 18px 22px}
article li{margin-bottom:8px}
.note{background:#fff8ee;border-left:4px solid var(--orange);padding:14px 18px;border-radius:0 8px 8px 0;margin:20px 0;font-size:.95rem}
.tip{background:#eef6ff;border-left:4px solid var(--blue);padding:14px 18px;border-radius:0 8px 8px 0;margin:20px 0;font-size:.95rem}
table{width:100%;border-collapse:collapse;margin:8px 0 22px;font-size:.95rem}
th,td{border:1px solid var(--line);padding:11px 12px;text-align:left;vertical-align:top}
th{background:var(--bg);color:var(--navy);font-family:Montserrat;font-weight:700}
.table-wrap{overflow-x:auto}
.checklist{list-style:none;margin-left:0}
.checklist li{padding-left:30px;position:relative}
.checklist li::before{content:"☐";position:absolute;left:0;color:var(--orange);font-size:1.1rem;line-height:1.6}
details{border:1px solid var(--line);border-radius:10px;padding:0 18px;margin-bottom:10px}
summary{font-family:Montserrat;font-weight:700;color:var(--navy);cursor:pointer;padding:14px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--orange);font-size:1.4rem;line-height:1}
details[open] summary::after{content:"–"}
details p{color:var(--muted);padding-bottom:12px}

aside .box{position:sticky;top:100px;background:var(--bg);border-radius:14px;padding:24px;border:1px solid var(--line)}
aside h3{color:var(--navy);font-size:1.15rem;margin-bottom:8px;line-height:1.3}
aside p{color:var(--muted);font-size:.93rem;margin-bottom:14px}
aside .links{margin-top:22px;font-size:.92rem}
aside .links a{display:block;margin-bottom:8px;text-decoration:none}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--orange);color:#fff !important;font-weight:800;border:0;border-radius:8px;padding:14px 22px;font-size:.95rem;text-decoration:none;text-transform:uppercase;letter-spacing:.03em}
.btn:hover{background:var(--orange-dark)}
.btn.block{display:flex;width:100%}
.btn.ghost{background:#fff;color:var(--navy) !important;border:2px solid var(--navy)}

.cta{background:linear-gradient(120deg,var(--orange),#ff9a3c);color:#fff;border-radius:16px;padding:30px;text-align:center;margin:36px 0 10px}
.cta h2{color:#fff;margin:0 0 8px !important}
.cta p{opacity:.95;margin-bottom:18px}
.cta .btn{background:var(--navy)}
.cta .btn:hover{background:#06162b}
.cta .btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:18px;margin:10px 0 24px}
.card{border:1px solid var(--line);border-radius:14px;padding:22px;text-decoration:none;color:var(--ink);transition:.2s;background:#fff}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(11,37,69,.1)}
.card .ico{font-size:1.8rem}
.card h3{color:var(--navy);margin:8px 0 6px;font-size:1.08rem}
.card p{color:var(--muted);font-size:.92rem;margin:0}

footer{background:#071a33;color:#a9b8cb;font-size:.85rem;padding:30px 0}
footer .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
footer a{color:#fff;text-decoration:none;margin-right:16px}
.disclaimer{font-size:.78rem;opacity:.8;margin-top:8px;max-width:640px}

@media (max-width:900px){.layout{grid-template-columns:1fr}aside .box{position:static}.nav-links a:not(.btn){display:none}}
@media (max-width:560px){body{font-size:16px}.wrap,.layout{padding-left:16px;padding-right:16px}.logo{font-size:1rem;gap:7px}.logo .mark{width:40px;height:40px}.nav-links .btn{padding:9px 12px;font-size:.75rem}.cta{padding:24px 18px}}