*{margin:0;padding:0;box-sizing:border-box}:root{--primary-color:#0052cc;--accent-color:#ffdd2d;--text-dark:#1a1d21;--text-gray:#718096;--bg-light:#f7fafc;--white:#fff;--font-main:'Segoe UI' , Roboto , Helvetica , Arial , sans-serif;--content-width:1100px;--border-radius:12px;--transition:all .3s ease}body{font-family: var(--font-main);line-height:1.6;color:var(--text-dark);background-color:var(--white);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}a{text-decoration:none;color:inherit;transition:var(--transition)}img{max-width:100%;height:auto;display:block}.container{max-width:var(--content-width);margin:0 auto;padding:0 20px}.header{background:#fff;border-bottom:1px solid #e5e7eb;padding:10px 0;position:sticky;top:0;z-index:100;box-shadow:0 2px 8px rgba(0,0,0,.08)}.header .container{display:flex;justify-content:space-between;align-items:center}.logo{height:65px;width:auto}.header-right{display:flex;align-items:center;gap:20px}.phone{text-decoration:none;color:var(--text-dark);font-weight:600;font-size:1.1rem}.phone:hover{color:var(--primary-color)}.btn-header{background:#f3f4f6;color:var(--text-dark);border:1px solid #e5e7eb;font-weight:500;padding:10px 20px}.btn-header:hover{background:#e5e7eb;border-color:#d1d5db}.phone-block{display:flex;flex-direction:column;align-items:center;gap:3px;line-height:1.2}.phone-label{display:none;font-size:.65rem;font-weight:400;color:var(--text-gray);text-transform:uppercase;letter-spacing:.05em}.btn{display:inline-block;padding:10px 20px;border-radius:8px;text-decoration:none;font-weight:600;transition:var(--transition);cursor:pointer;border:none}.btn-primary{background-color:var(--primary-color);color:#fff}.btn-primary:hover{background-color:#003d99;transform:translateY(-2px);box-shadow:0 4px 12px 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rgba(0,0,0,.1)}.card-link{display:flex;flex-direction:column;height:100%;text-decoration:none;color:inherit}.card-image{width:100%;aspect-ratio: 16 / 10;overflow:hidden;background:var(--bg-light)}.card-image img{width:100%;height:100%;object-fit:cover;transition:var(--transition)}.article-card:hover .card-image img{transform:scale(1.05)}.card-content{padding:20px 24px 24px;display:flex;flex-direction:column;flex:1}.card-tags{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:10px}.card-tag{font-size:.65rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;padding:3px 10px;background:var(--bg-light);border-radius:100px;color:var(--text-gray)}.card-title{font-size:1.15rem;font-weight:700;color:var(--text-dark);margin-bottom:8px;line-height:1.3;letter-spacing:-.01em}.card-desc{font-size:.85rem;color:var(--text-gray);line-height:1.5;margin-bottom:14px;flex:1;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}.card-excerpt{font-size:.95rem;color:var(--text-gray);margin-bottom:16px;line-height:1.6}.card-meta{display:flex;justify-content:space-between;align-items:center;font-size:.75rem;color:var(--text-gray);margin-top:auto}.card-date{font-weight:500}.card-reading-time{opacity:.8}.article-wrapper{max-width:var(--content-width);margin:40px auto 60px;padding:0 20px}.article-keywords{display:flex;gap:20px;margin-bottom:10px;list-style:none;color:var(--text-gray);font-size:.85rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em}.article-keywords span:not(:last-child)::after {content:"•";margin-left:20px;color:#cbd5e0}.article-meta{margin-bottom:20px;color:var(--text-gray);font-size:.95rem}h1.article-title,.article-body h2,.article-body h3,.article-body h4{text-align:center;text-wrap:balance;margin-left:auto;margin-right:auto;font-weight:800}h1.article-title{font-size:2.6rem;line-height:1.3;margin:30px auto;max-width:900px;text-wrap:balance}.article-body h2{font-size:1.8rem;margin:50px auto 25px;max-width:850px}.article-body h3{font-size:1.4rem;margin:40px auto 20px;max-width:850px}.article-cover{margin:0 auto 40px;border-radius:16px;overflow:hidden;box-shadow:0 10px 30px rgba(0,0,0,.1)}.article-cover img{width:100%;height:auto;display:block}.article-body{font-size:1.15rem;color:#2d3748;max-width:100%}.article-body p{margin-bottom:25px;text-align:left}.article-body strong{font-weight:700;color:var(--text-dark)}.article-body ul,.article-body ol{margin-bottom:25px;padding-left:28px}.article-body li{margin-bottom:10px}.article-body blockquote{margin:50px auto;padding:35px 40px;background-color:var(--bg-light);border:1px solid rgba(0,82,204,.2);border-radius:20px;font-style:italic;max-width:850px;text-align:center;text-wrap:balance;box-shadow:0 5px 15px rgba(0,0,0,.03)}.autolink{color:#2563eb;text-decoration:none;border-bottom:1px solid rgba(37,99,235,.3);transition:border-color .15s , color .15s}.autolink:hover{color:#1d4ed8;border-bottom-color:#1d4ed8}.article-banner{margin:40px auto;max-width:850px;padding:16px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:20px;box-shadow:0 2px 8px rgba(0,0,0,.04);transition:var(--transition)}.article-banner:hover{box-shadow:0 6px 18px rgba(0,0,0,.07)}.article-banner a{display:block;text-decoration:none;color:inherit}.article-banner img{width:100%;display:block;border-radius:14px;transition:var(--transition)}.article-banner a:hover img{transform:translateY(-2px)}.article-banner__btn{display:block;margin:26px auto 10px;max-width:380px;padding:18px 36px;background:#ffdd2d;color:#111;font-weight:800;font-size:19px;letter-spacing:.2px;text-align:center;border-radius:14px;box-shadow:0 3px 10px rgba(255,221,45,.35);transition:var(--transition);user-select:none}.article-banner a:hover .article-banner__btn{background:#f0cc1f;transform:translateY(-1px);box-shadow:0 6px 18px rgba(255,221,45,.5)}body.banners-off .article-banner{display:none!important}.lead-form-tinkoff{margin-top:60px;padding:50px;background:var(--white);border-radius:24px;box-shadow:0 20px 50px rgba(0,0,0,.06);border:1px solid #f0f0f0;text-align:center}.lead-form-tinkoff h3{font-size:2rem;margin-bottom:10px;text-wrap:balance;font-weight:800}.lead-form-tinkoff p{color:#4a5568;margin-bottom:35px;font-size:1.05rem;text-wrap:balance}.lead-form-tinkoff form{display:flex;flex-direction:column;align-items:center;gap:15px}.lead-form-tinkoff input{padding:18px 20px;border:1px solid #d1d5db;border-radius:var(--border-radius);font-size:1.05rem;width:100%;max-width:400px;outline:none;transition:var(--transition)}.lead-form-tinkoff input:focus{border-color:var(--accent-color)}.btn-tinkoff{background-color:var(--accent-color);color:var(--text-dark);padding:18px 40px;border:none;border-radius:var(--border-radius);font-size:1.1rem;font-weight:700;cursor:pointer;transition:var(--transition);width:100%;max-width:400px}.btn-tinkoff:hover{background-color:#ffd000;transform:translateY(-2px);box-shadow:0 4px 16px rgba(255,221,45,.4)}.form-agreement{margin:20px 0;text-align:left;max-width:600px;margin-left:auto;margin-right:auto}.checkbox-wrapper{display:flex;align-items:flex-start;gap:12px;cursor:pointer;position:relative}.checkbox-wrapper input[type="checkbox"]{position:absolute;opacity:0;cursor:pointer;width:0;height:0}.checkmark{min-width:20px;height:20px;border:2px solid #d1d5db;border-radius:4px;background:#fff;transition:var(--transition);position:relative;margin-top:2px}.checkbox-wrapper.highlight .checkmark{border-color:#ef4444;animation:shake .3s;box-shadow:0 0 0 3px rgba(239,68,68,.2)}@keyframes shake {
    0%, 100% { transform: translateX(0); }
    25% { transform: translateX(-5px); }
    75% { transform: translateX(5px); }
}.checkbox-error{color:#ef4444;font-size:.85rem;margin-top:8px;display:none}.checkbox-error.show{display:block}.checkbox-wrapper input[type="checkbox"]:checked ~ .checkmark {background-color:var(--primary-color);border-color:var(--primary-color)}.checkbox-wrapper input[type="checkbox"]:checked ~ .checkmark::after {content:'';position:absolute;left:50%;top:45%;width:5px;height:10px;border:solid #fff;border-width:0 2px 2px 0;transform:translate(-50%,-50%) rotate(45deg)}.agreement-text{font-size:.85rem;line-height:1.5;color:#4a5568}.agreement-text a{color:var(--primary-color);text-decoration:underline}.agreement-text a:hover{text-decoration:none}.agreement-links{font-size:.85rem;display:flex;justify-content:center;gap:20px;margin-top:8px}.agreement-links a{font-size:inherit;color:inherit;text-decoration:underline}.agreement-links a:hover{text-decoration:none}.footer{margin-top:80px;padding:40px 0;background-color:var(--text-dark);color:#a0aec0}.footer-content{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:20px}.footer-copy{font-size:.95rem}.footer-links{display:flex;gap:24px}.footer-links a{color:#a0aec0;text-decoration:none;font-size:.9rem;transition:var(--transition)}.footer-links a:hover{color:var(--white)}.cookie-notice{position:fixed;bottom:24px;left:50%;transform:translateX(-50%);background:var(--white);padding:20px 30px;border-radius:16px;box-shadow:0 10px 40px rgba(0,0,0,.15);z-index:1000;display:none;justify-content:space-between;align-items:center;width:90%;max-width:700px}.cookie-notice.show{display:flex}.cookie-content{display:flex;gap:20px;align-items:center}.cookie-content p{flex:1;font-size:.9rem;line-height:1.5;margin:0}.cookie-content a{color:var(--primary-color);text-decoration:underline}.success-modal-overlay{position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(0,0,0,.7);display:flex;align-items:center;justify-content:center;z-index:10000;opacity:0;transition:opacity .3s ease}.success-modal-overlay.show{opacity:1}.success-modal{background:#fff;border-radius:16px;padding:40px;max-width:400px;text-align:center;box-shadow:0 20px 60px rgba(0,0,0,.3);transform:scale(.9);transition:transform .3s ease}.success-modal-overlay.show .success-modal{transform:scale(1)}.success-icon{width:80px;height:80px;border-radius:50%;background:#27ae60;color:#fff;font-size:48px;line-height:80px;margin:0 auto 24px;animation:scaleIn .5s ease}@keyframes scaleIn {
    0% { transform: scale(0); }
    50% { transform: scale(1.1); }
    100% { transform: scale(1); }
}.success-modal h2{font-size:24px;font-weight:700;color:#2c3e50;margin:0 0 16px}.success-modal p{font-size:16px;color:#7f8c8d;margin:0 0 32px;line-height:1.6}.success-btn{background:#27ae60;color:#fff;border:none;padding:14px 32px;border-radius:8px;font-size:16px;font-weight:600;cursor:pointer;transition:all .2s ease}.success-btn:hover{background:#229954;transform:translateY(-2px);box-shadow:0 4px 12px rgba(39,174,96,.3)}@media (max-width:768px){.card-tags{display:none}.article-title{font-size:1.75rem!important;line-height:1.2}.article-body h2{font-size:1.35rem;line-height:1.2}.article-body h3{font-size:1.25rem;line-height:1.2}.article-body{font-size:1rem}.article-body p,.article-body li{font-size:1rem;line-height:1.6}.article-body ul,.article-body ol{padding-left:22px}.header-right .phone{font-size:.95rem}.header{padding:8px 0}.logo{height:45px}.header .container{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:12px}.header-right{display:contents}.phone-block{grid-column:2;text-align:center}.phone-label{display:block}.header-right .phone{font-size:.9rem}.header-right .btn-header{padding:8px 16px;font-size:.85rem;grid-column:3}.lead-form-tinkoff{padding:35px 25px}.lead-form-tinkoff h3{font-size:1.5rem}.lead-form-tinkoff input{width:100%}.article-meta{text-align:center;padding-bottom:20px;margin-bottom:20px;border-bottom:1px solid #e5e7eb}.article-keywords{display:none}.cookie-content{flex-direction:column;text-align:center}.articles-grid{grid-template-columns:1fr;gap:20px}.article-card:first-child .card-image{aspect-ratio: 16 / 9}.article-card:first-child .card-title{font-size:1.25rem}.page-title{font-size:2rem}.agreement-text{font-size:.75rem;line-height:1.4}.agreement-links{font-size:.75rem;flex-direction:column;gap:8px;align-items:center}.agreement-links a{font-size:.75rem}}.breadcrumbs{font-size:.85rem;color:var(--text-gray);margin-bottom:20px}.breadcrumbs a{color:var(--primary-color);text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}.breadcrumbs span{color:var(--text-gray)}.reading-time{margin-left:20px;color:var(--text-gray);font-size:.9rem}.share-buttons{margin:50px 0;padding:30px;background:var(--bg-light);border-radius:var(--border-radius);text-align:center}.share-title{font-size:1.1rem;font-weight:600;margin-bottom:20px;color:var(--text-dark)}.share-icons{display:flex;justify-content:center;gap:15px}.share-btn{display:flex;align-items:center;justify-content:center;width:50px;height:50px;border-radius:50%;transition:var(--transition);color:#fff}.share-btn.vk{background:#07f}.share-btn.telegram{background:#08c}.share-btn.whatsapp{background:#25d366}.share-btn:hover{transform:translateY(-3px);box-shadow:0 4px 12px rgba(0,0,0,.2)}.faq-item{border:1px solid #e2e8f0;border-radius:10px;margin-bottom:10px;overflow:hidden}.faq-question{width:100%;background:#f8fafc;border:none;padding:16px 20px;text-align:left;font-size:16px;font-weight:600;color:#1e293b;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:12px;line-height:1.4;transition:background .15s}.faq-question:hover{background:#f1f5f9}.faq-arrow{font-size:12px;color:#64748b;transition:transform .25s;flex-shrink:0}.faq-item.open .faq-arrow{transform:rotate(180deg)}.faq-answer{max-height:0;overflow:hidden;transition:max-height .3s ease , padding .3s ease;padding:0 20px;font-size:15px;color:#475569;line-height:1.7}.faq-answer p{margin:0}.faq-item.open .faq-answer{max-height:600px;padding:14px 20px 18px}@media (max-width:768px){.faq-question{font-size:15px;padding:14px 16px}.faq-answer{font-size:14px}.container{padding:0 16px}.article-body p{font-size:1rem;margin-bottom:20px}.article-body li{line-height:1.65}.article-body ul,.article-body ol{padding-left:20px;margin-bottom:20px}.article-body li{margin-bottom:8px;line-height:1.7}.article-body blockquote{padding:20px 20px;margin:32px auto;font-size:1rem}.article-banner{margin:24px auto}.main-content{padding:32px 0 40px}.footer{margin-top:48px;padding:32px 0}.footer-content{flex-direction:column;align-items:center;text-align:center;gap:16px}.footer-links{flex-wrap:wrap;justify-content:center;gap:12px 20px}.success-modal-overlay{padding:16px;align-items:center}.success-modal{width:100%;max-width:100%;padding:28px 20px;border-radius:16px}.success-modal h2{font-size:20px}.success-modal p{font-size:15px}.success-icon{width:64px;height:64px;font-size:36px;line-height:64px;margin-bottom:16px}}