:root{--bg:#f4f7fb;--card:#fff;--blue:#0056ff;--blue2:#1479ff;--cyan:#00c9f5;--ink:#15233a;--text:#2b3b52;--muted:#66758a;--line:#e4eaf2;--soft:#edf5ff;--green:#10b981;--shadow:0 18px 45px rgba(36,83,145,.10);--radius:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.68}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}.container{width:min(1120px,calc(100% - 40px));margin:auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-bottom:1px solid rgba(228,234,242,.9);box-shadow:0 4px 22px rgba(27,63,110,.05)}.navbar{height:74px;display:flex;align-items:center;justify-content:space-between;gap:28px}.logo{display:inline-flex;align-items:center;gap:10px;color:var(--blue);font-weight:850;font-size:1.45rem;letter-spacing:-.035em}.logo svg{width:31px;height:31px;fill:none;stroke:var(--cyan);stroke-width:5;stroke-linecap:round}.nav-links{display:flex;gap:8px}.nav-links a{padding:10px 14px;border-radius:11px;font-weight:700;color:#41516a;font-size:.94rem}.nav-links a:hover,.nav-links a.active{background:var(--soft);color:var(--blue)}.menu-button{display:none;border:1px solid var(--line);background:white;border-radius:10px;padding:8px 11px;font-size:1.1rem}
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,#0056ff 0%,#008afc 55%,#00c9f5 100%);color:white}.home-hero{padding:76px 0 84px;border-radius:0 0 42px 42px}.article-hero{padding:54px 0 62px;border-radius:0 0 34px 34px}.hero-inner{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1fr) 230px;gap:48px;align-items:center}.hero-copy{max-width:820px}.kicker{display:inline-flex;padding:6px 11px;border:1px solid rgba(255,255,255,.28);border-radius:999px;background:rgba(255,255,255,.10);font-size:.78rem;font-weight:750;margin-bottom:14px}.hero h1{font-size:clamp(2.35rem,5vw,4.4rem);line-height:1.06;letter-spacing:-.055em;margin:0 0 17px}.article-hero h1{font-size:clamp(2.2rem,4.3vw,3.65rem)}.hero p{max-width:780px;font-size:1.08rem;opacity:.94;margin:0}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:12px 20px;font-weight:800;border:1px solid transparent;cursor:pointer;font:inherit;transition:.2s ease}.btn.primary{background:#fff;color:var(--blue);box-shadow:0 9px 24px rgba(0,54,160,.18)}.article-card .btn.primary,.calculator .btn.primary,.contact-form .btn.primary{background:linear-gradient(135deg,var(--blue),var(--cyan));color:white}.btn.light{border-color:rgba(255,255,255,.42);color:white;background:rgba(255,255,255,.09)}.btn.outline{border-color:#cfe0f7;background:white;color:var(--blue)}.btn:hover,.action-btn:hover{transform:translateY(-2px)}.hero-mark{justify-self:end;width:190px;height:190px;border-radius:45px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.28);display:grid;place-items:center;transform:rotate(8deg);box-shadow:inset 0 0 60px rgba(255,255,255,.08)}.hero-mark svg{width:112px;height:112px;fill:none;stroke:white;stroke-width:4.5;stroke-linecap:round;animation:floatWind 5s ease-in-out infinite}@keyframes floatWind{50%{transform:translateY(-9px) translateX(5px)}}
.wind-lines{position:absolute;inset:0;opacity:.22;pointer-events:none}.wind-lines i{position:absolute;height:2px;width:420px;background:linear-gradient(90deg,transparent,white,transparent);border-radius:99px;animation:gust 7s linear infinite}.wind-lines i:nth-child(1){top:24%;left:-15%;animation-delay:-1s}.wind-lines i:nth-child(2){top:58%;left:-30%;width:620px;animation-delay:-4s}.wind-lines i:nth-child(3){top:78%;left:-10%;width:300px;animation-delay:-2s}@keyframes gust{to{transform:translateX(150vw)}}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:-28px;position:relative;z-index:5}.stats>div{background:white;border:1px solid var(--line);border-radius:16px;padding:18px 20px;box-shadow:var(--shadow)}.stats strong{display:block;color:var(--blue);font-size:1.35rem}.stats span{display:block;color:var(--muted);font-size:.84rem;margin-top:2px}.home-main{padding:44px 0 70px}.home-section{margin:28px 0 54px}.section-heading{margin-bottom:19px}.section-heading>span,.mini-label{display:block;color:var(--blue);font-weight:800;text-transform:uppercase;letter-spacing:.11em;font-size:.74rem;margin-bottom:5px}.section-heading h2{font-size:clamp(1.7rem,3vw,2.35rem);line-height:1.15;letter-spacing:-.035em;margin:0 0 8px;color:var(--ink)}.section-heading p{color:var(--muted);max-width:760px;margin:0}.center{text-align:center;margin-top:22px}
.bonus-list{display:grid;gap:14px}.bonus-card{background:white;border:1px solid var(--line);border-radius:16px;padding:16px 18px;display:grid;grid-template-columns:minmax(250px,1fr) minmax(300px,.9fr) auto;align-items:center;gap:20px;box-shadow:0 6px 18px rgba(35,76,130,.04);transition:.2s ease}.bonus-card:hover{border-color:#b8d8ff;box-shadow:0 15px 32px rgba(0,86,255,.08);transform:translateY(-2px)}.brand-info{display:flex;align-items:center;gap:16px;min-width:0}.brand-logo{width:112px;height:56px;background:#f8fbff;border:1px solid var(--line);border-radius:12px;display:grid;place-items:center;overflow:hidden;flex:0 0 auto}.brand-logo img{width:100%;height:100%;object-fit:contain;padding:5px}.brand-logo span{font-weight:900;color:var(--blue)}.record-label{display:block;font-size:.75rem;color:var(--muted);margin-bottom:3px}.brand-info strong{color:var(--ink);font-size:1.04rem}.bonus-details{display:grid;grid-template-columns:1fr 1.25fr;gap:12px}.detail-box{padding:8px 12px;border-left:2px solid #d9e9fc}.detail-box span{display:block;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);font-size:.68rem;font-weight:750}.detail-box strong{display:block;color:#324661;font-size:.88rem;margin-top:3px}.action-btn{display:inline-flex;justify-content:center;align-items:center;background:linear-gradient(135deg,var(--blue),var(--cyan));color:white;padding:11px 18px;border-radius:999px;font-weight:800;white-space:nowrap;box-shadow:0 7px 18px rgba(0,86,255,.18);transition:.2s ease}.directory-tools{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:17px}.directory-tools h2{margin:0;color:var(--ink);font-size:1.55rem}.directory-tools p{margin:4px 0 0;color:var(--muted)}.search-box{display:flex;align-items:center;gap:10px;background:white;border:1px solid var(--line);border-radius:999px;padding:8px 12px;color:var(--muted);font-size:.8rem}.search-box input{border:0;outline:0;font:inherit;min-width:190px;color:var(--text)}
.related-section{margin:38px 0}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}.guide-card{position:relative;background:white;border:1px solid var(--line);border-radius:17px;padding:19px 45px 19px 19px;min-height:118px;box-shadow:0 6px 18px rgba(35,76,130,.04);transition:.2s ease}.guide-card span{display:block;color:var(--blue);font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px}.guide-card strong{display:block;color:var(--ink);line-height:1.3}.guide-card b{position:absolute;right:18px;top:50%;transform:translateY(-50%);color:var(--cyan);font-size:1.5rem}.guide-card:hover{border-color:#b8d8ff;transform:translateY(-2px)}
.editorial-box{background:white;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:8px 30px}.editorial-box .content-section{padding:24px 0;border-bottom:1px solid var(--line)}.editorial-box .content-section:last-child{border-bottom:0}.content-section h2{font-size:clamp(1.45rem,2.7vw,2rem);line-height:1.18;letter-spacing:-.03em;color:var(--ink);margin:0 0 12px}.content-section h3{font-size:1.12rem;color:#23466f;margin:24px 0 8px}.content-section p{color:#43536a;margin:0 0 13px}.content-section p:last-child{margin-bottom:0}
.article-shell{padding:34px 0 72px}.breadcrumbs{display:flex;gap:8px;align-items:center;color:var(--muted);font-size:.82rem;margin-bottom:14px}.breadcrumbs a{color:var(--blue)}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 270px;gap:24px;align-items:start}.article-card{background:white;border:1px solid var(--line);border-radius:20px;padding:8px 32px 32px;box-shadow:var(--shadow);min-width:0}.article-card>.content-section{padding:28px 0;border-bottom:1px solid var(--line)}.side-card{position:sticky;top:96px;background:white;border:1px solid var(--line);border-radius:16px;padding:19px;box-shadow:0 10px 28px rgba(35,76,130,.06);font-size:.86rem}.side-card strong{display:block;color:var(--ink);margin-bottom:10px}.toc-list{display:grid;gap:8px;color:var(--muted);margin-bottom:16px}.side-card>a{color:var(--blue);font-weight:800}.directory-intro{border-bottom:0!important}.article-card .bonus-list{margin-bottom:34px}.article-card .bonus-card{grid-template-columns:minmax(220px,1fr) minmax(260px,.8fr) auto}.article-card .related-section,.article-card .faq-section{padding-top:8px}
.faq-section{margin:36px 0}.faq-section details{border-top:1px solid var(--line);padding:14px 2px}.faq-section summary{cursor:pointer;color:var(--ink);font-weight:800}.faq-section p{color:var(--muted);margin:10px 0 0}.calculator,.checklist-box,.contact-form{margin:28px 0;background:#f8fbff;border:1px solid #dceaf9;border-radius:18px;padding:24px}.calculator{display:grid;grid-template-columns:1fr 1fr;gap:24px}.calculator h2,.checklist-box h2{color:var(--ink);margin:3px 0 8px}.calculator p,.checklist-box p{color:var(--muted);margin-top:0}.calculator form,.contact-form{display:grid;gap:12px}.calculator label,.contact-form label{display:grid;gap:6px;color:var(--muted);font-size:.83rem;font-weight:650}.calculator input,.contact-form input,.contact-form textarea,.contact-form select{width:100%;border:1px solid #cfdcec;background:white;border-radius:11px;padding:11px 12px;font:inherit;color:var(--text);outline:none}.calculator input:focus,.contact-form input:focus,.contact-form textarea:focus,.contact-form select:focus{border-color:#78b9ff;box-shadow:0 0 0 3px rgba(0,86,255,.08)}.calculator output{display:block;padding:12px 14px;border-radius:11px;background:#e9f5ff;color:var(--blue);font-weight:850}.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:9px;margin-top:16px}.check-grid label{display:flex;gap:9px;align-items:flex-start;background:white;border:1px solid var(--line);border-radius:12px;padding:12px;color:#40516a}.check-grid input{margin-top:4px;accent-color:var(--blue)}.glossary-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:28px 0}.glossary-grid article{background:#f9fbfe;border:1px solid var(--line);border-radius:15px;padding:17px}.glossary-grid h2{font-size:1rem;margin:0 0 6px;color:var(--ink)}.glossary-grid p{margin:0;color:var(--muted);font-size:.9rem}.notice{margin:20px 0;padding:13px 16px;border-radius:12px}.notice.success{background:#ecfdf5;border:1px solid #a7f3d0;color:#047857}.notice.error{background:#fff1f2;border:1px solid #fecdd3;color:#be123c}.hp{position:absolute!important;left:-10000px!important}
footer{background:white;border-top:1px solid var(--line);padding:42px 0 18px}.footer-grid{display:grid;grid-template-columns:1.4fr .8fr .8fr;gap:36px;color:var(--muted);font-size:.9rem}.footer-grid strong{display:block;color:var(--ink);margin-bottom:9px}.footer-grid a:not(.logo){display:block;margin:6px 0}.footer-logo{margin-bottom:12px}.risk{color:#8a5c17}.footer-bottom{border-top:1px solid var(--line);margin-top:28px;padding-top:16px;display:flex;justify-content:space-between;gap:20px;color:#8290a3;font-size:.78rem}.not-found{padding:30px 0 80px}
@media(max-width:960px){.hero-inner{grid-template-columns:1fr}.hero-mark{display:none}.stats{grid-template-columns:repeat(2,1fr)}.article-layout{grid-template-columns:1fr}.side-card{position:static;order:-1}.guide-grid{grid-template-columns:repeat(2,1fr)}.bonus-card,.article-card .bonus-card{grid-template-columns:1fr auto}.bonus-details{grid-column:1/-1;order:3}.footer-grid{grid-template-columns:1.2fr 1fr 1fr}}
@media(max-width:720px){.container{width:min(100% - 24px,1120px)}.navbar{height:66px}.nav-links{position:absolute;top:66px;left:12px;right:12px;background:white;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:14px;padding:8px;display:none;flex-direction:column}.nav-links.open{display:flex}.menu-button{display:block}.home-hero{padding:56px 0 66px;border-radius:0 0 28px 28px}.article-hero{padding:42px 0 48px}.hero h1{font-size:2.45rem}.hero p{font-size:1rem}.stats{grid-template-columns:1fr 1fr;margin-top:-20px}.stats>div{padding:14px}.bonus-card,.article-card .bonus-card{grid-template-columns:1fr;padding:14px}.bonus-details{grid-template-columns:1fr 1fr;order:initial;grid-column:auto}.card-action{width:100%}.action-btn{width:100%}.guide-grid,.glossary-grid,.check-grid{grid-template-columns:1fr}.article-card{padding:4px 20px 24px}.calculator{grid-template-columns:1fr}.directory-tools{align-items:stretch;flex-direction:column}.search-box{width:100%}.search-box input{min-width:0;flex:1}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}.editorial-box{padding:6px 20px}}
@media(max-width:460px){.stats{grid-template-columns:1fr}.bonus-details{grid-template-columns:1fr}.hero-actions .btn{width:100%}.brand-logo{width:92px}.article-card{border-radius:15px}}