:root{--navy:#0B1F4B;--navy2:#19479A;--green:#7FBA2F;--green2:#6AA224;--amar:#FFD600;--txt:#1d2433;--muted:#5d6779;--bg:#f6f8fc;--card:#fff;--line:#e3e8f2}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Inter,Arial,sans-serif;color:var(--txt);background:var(--bg)}
a{color:var(--navy2)}img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}
header.top{background:var(--navy);color:#fff}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:62px}
.logo{color:#fff;text-decoration:none;font-weight:800;font-size:20px;letter-spacing:-.3px}.logo b{color:var(--green)}
nav.menu{display:flex;gap:16px;flex-wrap:wrap}nav.menu a{color:#dfe7f7;text-decoration:none;font-size:15px}
.lang{font-size:13px;color:#b9c6e3}.lang a{color:#b9c6e3;text-decoration:none;margin-left:6px}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:56px 0 64px}
.hero h1{font-size:clamp(30px,5vw,48px);line-height:1.12;margin:0 0 14px;letter-spacing:-.6px}
.hero p{font-size:19px;color:#dbe4f6;max-width:640px;margin:0 0 26px}
.btn{display:inline-block;background:var(--green);color:#fff;font-weight:700;text-decoration:none;padding:15px 26px;border-radius:12px;font-size:18px;box-shadow:0 6px 18px rgba(0,0,0,.18)}
.btn:hover{background:var(--green2)}.btn.alt{background:transparent;border:2px solid #fff;box-shadow:none;margin-left:10px}
.badge{display:inline-block;background:var(--amar);color:var(--navy);font-weight:800;border-radius:8px;padding:3px 10px;font-size:14px;margin-bottom:14px}
section{padding:48px 0}section h2{font-size:clamp(24px,3.4vw,32px);margin:0 0 18px;color:var(--navy);letter-spacing:-.3px}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px}
.card h3{margin:0 0 8px;color:var(--navy)}.n{display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;align-items:center;justify-content:center;font-weight:800;margin-bottom:10px}
table.tr{width:100%;border-collapse:collapse;background:#fff;border-radius:14px;overflow:hidden;font-size:15px}
table.tr th,table.tr td{padding:11px 12px;border-bottom:1px solid var(--line);text-align:left}table.tr th{background:#eef2fa;color:var(--navy)}
.pos{color:#1f8a3b;font-weight:700}.neg{color:#c0392b;font-weight:700}
.tabwrap{overflow-x:auto}
article.doc{background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px;max-width:780px}
article.doc h1{color:var(--navy);line-height:1.2}article.doc h2{color:var(--navy);margin-top:28px}
.cta{background:#eaf5dc;border:1px solid #cfe6b0;border-radius:16px;padding:22px;margin:26px 0}
.cta p{margin:0 0 12px}
.risk{font-size:13px;color:var(--muted);background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin:24px 0}
footer{background:var(--navy);color:#b9c6e3;padding:34px 0;font-size:14px}footer a{color:#dfe7f7}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin:18px 0}
.stat{background:#f3f6fc;border-radius:12px;padding:14px}.stat b{display:block;font-size:22px;color:var(--navy)}.stat span{font-size:13px;color:var(--muted)}
.crumbs{font-size:14px;color:var(--muted);margin:18px 0}
@media(max-width:640px){.btn.alt{margin:10px 0 0}nav.menu{display:none}}