:root {
  --bg: #f6f7f9;
  --card: #ffffff;
  --text: #1c2430;
  --muted: #5b6676;
  --line: #e1e5eb;
  --accent: #1f6feb;
  --accent-dark: #1557c0;
  --ok: #0f7b4a;
  --warn-bg: #fff7e6;
  --warn-line: #f0c36d;
  --radius: 12px;
  --font: -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--bg); color: var(--text); font: 16px/1.6 var(--font); }
a { color: var(--accent); }
a:hover { color: var(--accent-dark); }
img { max-width: 100%; }

.wrap { max-width: 980px; margin: 0 auto; padding: 0 16px; }

.top { background: var(--card); border-bottom: 1px solid var(--line); }
.top .wrap { display: flex; align-items: center; gap: 24px; min-height: 60px; flex-wrap: wrap; }
.logo { font-weight: 700; font-size: 18px; color: var(--text); text-decoration: none; white-space: nowrap; }
.logo:hover { color: var(--text); }
.logo span { color: var(--accent); }
.nav { display: flex; gap: 16px; flex-wrap: wrap; font-size: 15px; }
.nav a { color: var(--muted); text-decoration: none; }
.nav a:hover, .nav a.active { color: var(--accent); }

.crumbs { font-size: 13px; color: var(--muted); margin: 16px 0 0; }
.crumbs a { color: var(--muted); }

h1 { font-size: 30px; line-height: 1.25; margin: 12px 0 8px; }
h2 { font-size: 23px; line-height: 1.3; margin: 36px 0 12px; }
h3 { font-size: 18px; margin: 24px 0 8px; }
.lead { color: var(--muted); font-size: 17px; margin: 0 0 20px; }

.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; }
.calc { margin: 20px 0 8px; }
.calc .grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 14px 18px; }
.field label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 4px; }
.field .hint { display: block; font-size: 12.5px; color: var(--muted); margin-top: 3px; font-weight: 400; }
.mono { font-family: Consolas, Menlo, monospace; word-break: break-all; white-space: normal; }
.gs { background: #ffe08a; border-radius: 3px; padding: 0 3px; font-size: 11px; }
textarea { resize: vertical; font-family: Consolas, Menlo, monospace; font-size: 15px; }
input[type=number], input[type=date], input[type=month], input[type=text], select, textarea {
  width: 100%; padding: 10px 12px; font: inherit; border: 1px solid #c9d1db; border-radius: 8px; background: #fff;
}
input:focus, select:focus { outline: 2px solid rgba(31, 111, 235, .35); border-color: var(--accent); }
.radios { display: flex; gap: 14px; flex-wrap: wrap; padding-top: 6px; }
.radios label, .check { font-weight: 400; display: inline-flex; gap: 6px; align-items: center; font-size: 15px; }
.opts { display: flex; gap: 18px; flex-wrap: wrap; margin-top: 14px; }

.btn { display: inline-block; background: var(--accent); color: #fff; border: 0; border-radius: 8px; padding: 12px 22px;
  font: 600 16px var(--font); cursor: pointer; }
.btn:hover { background: var(--accent-dark); }
.btn.ghost { background: transparent; color: var(--accent); border: 1px solid var(--accent); padding: 8px 14px; font-size: 14px; }
.actions { margin-top: 18px; display: flex; gap: 12px; flex-wrap: wrap; align-items: center; }

.debts { width: 100%; border-collapse: collapse; margin-top: 4px; }
.debts td { padding: 4px 6px 4px 0; vertical-align: top; }
.debts .del { background: none; border: 0; color: #b3261e; font-size: 20px; cursor: pointer; padding: 6px; }

.result { margin-top: 20px; display: none; }
.result.show { display: block; }
.total { font-size: 26px; font-weight: 700; color: var(--ok); margin: 0 0 6px; }
.sub { color: var(--muted); font-size: 14px; margin: 0 0 12px; }
.err { color: #b3261e; font-weight: 600; }
.tbl-wrap { overflow-x: auto; }
table.res { border-collapse: collapse; width: 100%; font-size: 14px; }
table.res th, table.res td { border-bottom: 1px solid var(--line); padding: 8px 6px; text-align: left; white-space: nowrap; }
table.res th { color: var(--muted); font-weight: 600; }
table.res tr.skip td { color: var(--muted); }
table.res td.num, table.res th.num { text-align: right; }

.note { background: var(--warn-bg); border: 1px solid var(--warn-line); border-radius: 10px; padding: 12px 14px; font-size: 14.5px; margin: 16px 0; }
.formula { background: #eef3fb; border-radius: 10px; padding: 12px 14px; font-family: Consolas, Menlo, monospace; font-size: 15px; overflow-x: auto; }

article { margin-bottom: 40px; }
article p, article li { max-width: 760px; }
article table { border-collapse: collapse; margin: 12px 0; font-size: 15px; }
article table td, article table th { border: 1px solid var(--line); padding: 6px 10px; text-align: left; }

.faq details { background: var(--card); border: 1px solid var(--line); border-radius: 10px; padding: 12px 16px; margin: 10px 0; }
.faq summary { font-weight: 600; cursor: pointer; }

.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 14px; margin: 16px 0; }
.cards a { display: block; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px;
  text-decoration: none; color: var(--text); }
.cards a:hover { border-color: var(--accent); }
.cards b { display: block; margin-bottom: 4px; color: var(--accent); }
.cards span { font-size: 14px; color: var(--muted); }

.ad-slot { margin: 24px 0; min-height: 0; }

/* Иконки (спрайт assets/icons.svg) */
.ic { width: 22px; height: 22px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex: none; vertical-align: -5px; }
.logo { display: inline-flex; align-items: center; gap: 9px; }
.logo-ic { width: 32px; height: 32px; padding: 6px; border-radius: 9px; background: var(--accent); color: #fff;
  fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; box-shadow: 0 4px 12px -4px var(--accent); }
.cards a { position: relative; transition: border-color .15s, transform .15s, box-shadow .15s; }
.cards a:hover { transform: translateY(-2px); box-shadow: 0 10px 24px -14px rgba(16, 24, 40, .35); }
.cards a .ic { display: block; width: 40px; height: 40px; padding: 8px; margin-bottom: 12px; border-radius: 11px;
  color: var(--accent); background: #eef3fb; background: color-mix(in srgb, var(--accent) 11%, #fff); }
.features { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 12px 22px; }
.features li { display: flex; gap: 12px; align-items: flex-start; max-width: none; }
.features li .ic { width: 34px; height: 34px; padding: 7px; border-radius: 10px; color: var(--accent);
  background: #eef3fb; background: color-mix(in srgb, var(--accent) 11%, #fff); }

/* Шапка страницы с иллюстрацией */
.hero.has-art { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 28px; align-items: center; }
.hero-art svg { display: block; width: 100%; height: auto; overflow: visible; }
/* Палитра иллюстраций: акцент сайта + нейтральные и тёплые тона */
.art .a { fill: var(--accent); }
.art .a2 { fill: var(--accent); opacity: .55; }
.art .at { fill: var(--accent); opacity: .12; }
.art .w { fill: #fff; }
.art .n { fill: #e9eef4; }
.art .n2 { fill: #d3dce6; }
.art .d { fill: #1f2a37; }
.art .d2 { fill: #2f3e52; }
.art .k { fill: #3d4f66; }
.art .y { fill: #f5b83d; }
.art .yt { fill: #f5b83d; opacity: .22; }
.art .r { fill: #ef6b5b; }
.art .g { fill: #22a06b; }
.art .sa { fill: none; stroke: var(--accent); }
.art .sy { fill: none; stroke: #f5b83d; }
.art .sr { fill: none; stroke: #ef6b5b; }
.art .sd { fill: none; stroke: #c5cfdb; }
.art .sk { fill: none; stroke: #1f2a37; }
.art .sw { fill: none; stroke: #fff; }
.art .sh { filter: drop-shadow(0 10px 14px rgba(16, 24, 40, .13)); }
.art text { font-family: var(--font); font-weight: 700; }
.art .tw { fill: #fff; }
.art .td { fill: #1f2a37; }
.art .tm { fill: #6b7787; font-weight: 600; }
.art .ta { fill: var(--accent); }
.art .tr { fill: #ef6b5b; }
@media (max-width: 760px) {
  .hero.has-art { display: block; }
  .hero-art { display: none; }
}

.foot { border-top: 1px solid var(--line); background: var(--card); color: var(--muted); font-size: 14px; padding: 24px 0; margin-top: 40px; }
.foot a { color: var(--muted); }

@media (max-width: 600px) {
  h1 { font-size: 24px; }
  h2 { font-size: 20px; }
  .card { padding: 16px; }
  .total { font-size: 22px; }
}

@media print {
  .top, .nav, .crumbs, .foot, .ad-slot, form, .actions, article, .no-print { display: none !important; }
  body { background: #fff; }
  .card { border: 0; padding: 0; }
  .result { display: block !important; }
}

/* Статьи */
.meta-line { color: var(--muted); font-size: 14px; margin: -6px 0 0; display: flex; gap: 6px; align-items: center; flex-wrap: wrap; }
.meta-line .ic { width: 16px; height: 16px; vertical-align: -3px; }
.toc { margin: 18px 0 8px; padding: 16px 20px; }
.toc b { display: block; margin-bottom: 6px; }
.toc ol { margin: 0; padding-left: 20px; columns: 2 260px; column-gap: 28px; }
.toc li { margin: 3px 0; break-inside: avoid; }
.figure { margin: 26px 0; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; }
.figure svg { display: block; width: 100%; height: auto; max-height: 560px; }
.figure figcaption { color: var(--muted); font-size: 14px; margin-top: 10px; text-align: center; }
.cta { display: flex; gap: 14px; align-items: center; text-decoration: none; color: var(--text); margin: 28px 0;
  border-color: var(--accent); background: #f3f7fe; background: color-mix(in srgb, var(--accent) 6%, #fff); }
.cta:hover { color: var(--text); box-shadow: 0 10px 24px -14px rgba(16, 24, 40, .35); }
.cta > .ic { width: 46px; height: 46px; padding: 10px; border-radius: 12px; background: var(--accent); color: #fff; }
.cta span { flex: 1; display: flex; flex-direction: column; }
.cta small { color: var(--muted); font-size: 14px; }
.cta > .ic:last-child { background: none; color: var(--accent); width: 30px; height: 30px; padding: 0; }
.cards .when { display: block; margin-top: 8px; color: var(--muted); font-size: 12.5px; }
article h2 { scroll-margin-top: 16px; }
.tip { border-left: 4px solid var(--accent); background: #f3f7fe; background: color-mix(in srgb, var(--accent) 6%, #fff);
  padding: 12px 16px; border-radius: 0 10px 10px 0; margin: 16px 0; }
.sources { font-size: 14px; color: var(--muted); }

/* Уведомление о cookie */
#nk-consent { position: fixed; left: 16px; right: 16px; bottom: 16px; z-index: 1000; max-width: 720px; margin: 0 auto;
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 18px;
  box-shadow: 0 16px 40px -12px rgba(16, 24, 40, .35); display: flex; gap: 14px; align-items: center; flex-wrap: wrap; font-size: 14.5px; }
#nk-consent p { margin: 0; flex: 1 1 320px; }
.nk-consent-actions { display: flex; gap: 8px; flex-wrap: wrap; }
.nk-consent-actions .btn { padding: 9px 16px; font-size: 14.5px; }
.foot .legal { font-size: 13px; }
@media print { #nk-consent { display: none !important; } }

/* Формы заявок */
.lead-form { margin: 24px 0; border-color: var(--accent); }
.lead-form .hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.lead-status.ok { color: var(--ok); font-weight: 600; }
.lead-status.err { color: #b3261e; font-weight: 600; }