/* bankblock — дизайн-токены из логотипа: синий #013D9F, ключ #D9A03C */
:root{
  --brand:#013D9F; --brand-dark:#0A2751; --brand-soft:#EAF1FB;
  --accent:#D9A03C; --accent-soft:#FDF4E3;
  --action:#1A5CFF; --action-hover:#1045D1;
  --bg:#F5F6F8; --white:#fff; --border:#E2E8F0;
  --text:#2B3441; --muted:#656E7E;
  --ok:#2E7D32; --ok-soft:#EAF7EF;
  --radius:10px; --shadow:0 2px 10px rgba(10,39,81,.06);
  --wrap:1280px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  background:var(--bg);color:var(--text);line-height:1.65;font-size:17px;
  -webkit-text-size-adjust:100%;overflow-x:clip}
a{color:var(--action);text-decoration:none}
a:hover{text-decoration:underline}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
img,svg,video,iframe{max-width:100%;height:auto}
h1,h2,h3,h4,td,th,li,p,a,summary{overflow-wrap:anywhere}

/* адаптив, слой 1 — защитный контур от горизонтального скролла.
   clip, а не hidden: hidden ломает position:sticky у шапки. */
body{overflow-x:clip}
h1,h2,h3,h4,td,th,li,p,a,summary{overflow-wrap:break-word}
.layout,.wrap,main,article,.cards,.footer-grid,.side,.table-wrap,.steps,.faq{min-width:0}
.layout>*,.cards>*,.footer-grid>*,.steps>*{min-width:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}

/* шапка */
.site-header{background:var(--white);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100}
.header-inner{display:flex;align-items:center;gap:24px;min-height:68px}
.logo{display:flex;align-items:center;flex:0 0 auto}
.logo img{width:190px;height:auto;display:block}
.main-nav{margin-left:auto}
.main-nav ul{display:flex;gap:20px;list-style:none;flex-wrap:nowrap}
.main-nav a{color:var(--brand-dark);font-weight:600;font-size:15px;white-space:nowrap;
  padding:8px 2px;display:block;min-height:40px}
.main-nav a:hover,.main-nav a[aria-current]{color:var(--brand);text-decoration:none}
.main-nav a[aria-current]{box-shadow:inset 0 -3px 0 var(--accent)}
.nav-toggle{display:none;margin-left:auto;background:var(--brand-soft);border:0;border-radius:8px;
  color:var(--brand-dark);font-weight:600;font-size:15px;padding:11px 16px;cursor:pointer;min-height:44px}

/* сетка */
.layout{display:grid;grid-template-columns:270px minmax(0,1fr);gap:34px;
  max-width:var(--wrap);margin:0 auto;padding:26px 20px 60px}
.layout.no-toc{grid-template-columns:minmax(0,1fr)}
.side{position:sticky;top:92px;height:fit-content}
.side-block{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  padding:18px 20px;margin-bottom:18px;box-shadow:var(--shadow)}
.side-block h2,.side-block .side-title{font-size:15px;text-transform:uppercase;letter-spacing:.04em;
  color:var(--muted);margin-bottom:12px;font-weight:700}
.toc{list-style:none;counter-reset:toc}
.toc li{counter-increment:toc;border-bottom:1px dashed var(--border)}
.toc li:last-child{border-bottom:0}
.toc a{display:block;padding:9px 0 9px 26px;position:relative;font-size:15px;color:var(--brand-dark);line-height:1.4}
.toc a:before{content:counter(toc);position:absolute;left:0;top:9px;color:var(--accent);font-weight:700;font-size:13px}
.toc a:hover{color:var(--brand);text-decoration:none}

/* контент */
.breadcrumbs{font-size:14px;color:var(--muted);margin-bottom:14px}
.breadcrumbs a{color:var(--muted)}
h1{font-size:36px;line-height:1.22;color:var(--brand-dark);font-weight:800;margin-bottom:16px;letter-spacing:-.02em}
.lead{font-size:19px;color:var(--muted);margin-bottom:26px;max-width:70ch}
.updated{font-size:14px;color:var(--muted);margin-bottom:26px;display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.updated b{color:var(--text);font-weight:600}
article h2{font-size:27px;line-height:1.3;color:var(--brand-dark);font-weight:750;margin:44px 0 16px;
  padding-top:6px;letter-spacing:-.01em}
article h3{font-size:20px;color:var(--brand-dark);font-weight:700;margin:28px 0 10px}
article p{margin-bottom:16px;max-width:74ch}
article ul,article ol{margin:0 0 18px 22px}
article li{margin-bottom:9px;max-width:72ch}
article ul{list-style:disc}
article ol{list-style:decimal}
strong{font-weight:650;color:var(--brand-dark)}

/* цитата закона — фирменный блок */
.law{background:var(--white);border:1px solid var(--border);border-left:4px solid var(--brand);
  border-radius:var(--radius);padding:20px 22px;margin:24px 0;box-shadow:var(--shadow)}
.law-head{font-size:14px;font-weight:700;color:var(--brand);text-transform:uppercase;
  letter-spacing:.04em;margin-bottom:10px}
.law blockquote{font-size:16px;color:var(--text);margin:0 0 12px;padding:0}
.law .src{font-size:13.5px;color:var(--muted)}
.note{background:var(--accent-soft);border-left:4px solid var(--accent);border-radius:var(--radius);
  padding:18px 22px;margin:24px 0}
.note b{color:#8A5D12}
.ok-box{background:var(--ok-soft);border-left:4px solid var(--ok);border-radius:var(--radius);
  padding:18px 22px;margin:24px 0}

/* образцы документов */
.sample{background:var(--white);border:1px solid var(--border);border-left:4px solid var(--accent);
  border-radius:var(--radius);padding:20px 22px;margin:20px 0 26px;box-shadow:var(--shadow)}
.sample-head{font-size:14px;font-weight:700;color:#8A5D12;text-transform:uppercase;
  letter-spacing:.04em;margin-bottom:12px}
.sample p{margin-bottom:10px;font-size:16px;max-width:none}
.sample p:last-child{margin-bottom:0}
.sample em{color:var(--muted);font-style:normal;background:var(--accent-soft);padding:1px 5px;
  border-radius:4px;font-size:15px}

/* таблицы */
.table-wrap{overflow-x:auto;margin:0 0 26px;-webkit-overflow-scrolling:touch}
table{width:100%;min-width:520px;border-collapse:separate;border-spacing:0;background:var(--white);
  border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;font-size:15.5px}
th{background:var(--brand-dark);color:#fff;text-align:left;padding:13px 15px;font-weight:600;font-size:14.5px}
td{padding:13px 15px;border-bottom:1px solid var(--border);vertical-align:top}
tbody tr:last-child td{border-bottom:0}
tbody tr:nth-child(even) td{background:#FAFBFD}

/* шаги */
.steps{list-style:none;counter-reset:step;margin:24px 0 28px}
.steps li{counter-increment:step;background:var(--white);border:1px solid var(--border);
  border-radius:var(--radius);padding:18px 20px 18px 62px;position:relative;margin-bottom:12px;box-shadow:var(--shadow)}
.steps li:before{content:counter(step);position:absolute;left:18px;top:18px;width:30px;height:30px;
  background:var(--brand);color:#fff;border-radius:50%;display:flex;align-items:center;
  justify-content:center;font-weight:700;font-size:15px}
.steps h3{margin:0 0 6px;font-size:17.5px}
.steps p{margin:0;font-size:16px;color:var(--muted)}

/* карточки-ссылки */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0 28px}
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  padding:18px 20px;box-shadow:var(--shadow);display:block;color:inherit}
.card:hover{border-color:var(--brand);text-decoration:none;box-shadow:0 6px 18px rgba(10,39,81,.10)}
.card h3{margin:0 0 6px;font-size:17px;color:var(--brand)}
.card p{margin:0;font-size:15px;color:var(--muted)}

/* FAQ */
.faq details{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  padding:15px 20px;margin-bottom:10px}
.faq summary{list-style:none;cursor:pointer;font-weight:600;color:var(--brand-dark);
  display:flex;justify-content:space-between;gap:14px;min-height:28px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";color:var(--brand);font-size:22px;line-height:1;flex:0 0 auto}
.faq details[open] summary:after{content:"–"}
.faq details p{margin:12px 0 2px;font-size:16px}

/* подвал */
.site-footer{background:var(--brand-dark);color:#C7D3E6;padding:44px 0 26px;margin-top:40px;font-size:15px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
.site-footer h2{font-size:14px;text-transform:uppercase;letter-spacing:.05em;color:#fff;margin-bottom:14px}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:9px}
.site-footer a{color:#C7D3E6}
.site-footer a:hover{color:#fff}
.footer-about p{margin-bottom:12px;max-width:46ch}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:28px;padding-top:18px;
  font-size:14px;color:#93A5C0}
.disclaimer{background:rgba(255,255,255,.05);border-radius:var(--radius);padding:14px 16px;
  font-size:14px;line-height:1.55;margin-bottom:14px}

@media (max-width:1180px){
  .main-nav ul{gap:14px}
  .main-nav a{font-size:14px}
  .logo img{width:165px}
}
@media (max-width:1020px){
  .main-nav{position:absolute;left:0;right:0;top:100%;background:var(--white);
    border-bottom:1px solid var(--border);padding:10px 20px 16px;display:none;box-shadow:var(--shadow)}
  .main-nav.open{display:block}
  .main-nav ul{flex-direction:column;gap:0}
  .main-nav a{padding:12px 0;border-bottom:1px solid var(--border);font-size:16px}
  .nav-toggle{display:block}
  .site-header{position:relative}
  html{scroll-padding-top:20px}
  .layout,.layout.no-toc{grid-template-columns:minmax(0,1fr);gap:0}
  .side{position:static;margin-bottom:22px}
  .cards{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
/* сворачиваемое оглавление: на десктопе всегда раскрыто */
.toc-wrap summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;
  align-items:center;min-height:32px}
.toc-wrap summary::-webkit-details-marker{display:none}
.toc-wrap summary:after{content:"−";color:var(--brand);font-size:20px;line-height:1}
.toc-wrap:not([open]) summary:after{content:"+"}
@media (min-width:1021px){.toc-wrap summary{pointer-events:none}.toc-wrap summary:after{display:none}}

@media (max-width:640px){
  body{font-size:16px}
  h1{font-size:26px}
  article h2{font-size:21px;margin-top:34px}
  article h3{font-size:18px}
  .lead{font-size:17px}
  .cards{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .steps li{padding-left:56px}
  .logo img{width:150px}
  .header-inner{min-height:60px;gap:12px}
  .faq summary{min-height:44px}
  .toc a{padding:12px 0 12px 26px}
  .toc a:before{top:12px}
  .side-block{padding:16px}
  .law,.note,.ok-box,.sample{padding:16px 18px}
  .steps li{padding:16px 16px 16px 52px}
  .steps li:before{left:14px;top:16px}
}

/* бланк внутри страницы */
.blank{display:grid;grid-template-columns:190px minmax(0,1fr);gap:22px;align-items:start;
  margin:26px 0;padding:20px 22px;background:var(--white);border:1px solid var(--border);
  border-radius:var(--radius);box-shadow:var(--shadow)}
.blank-prev{display:block;border:1px solid var(--border);border-radius:8px;overflow:hidden;
  background:#fff;box-shadow:0 2px 10px rgba(10,39,81,.10);
  transition:transform .16s ease,box-shadow .16s ease}
.blank-prev:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(10,39,81,.18)}
.blank-prev img{display:block;width:100%;height:auto}
.blank-body{min-width:0}
.blank h3{margin:0 0 7px;font-size:20px;line-height:1.3;color:var(--brand-dark)}
.blank-desc{margin:0 0 14px;font-size:15.5px;line-height:1.55}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 16px}
.chip{display:inline-flex;align-items:center;gap:6px;padding:6px 11px;border-radius:999px;
  background:var(--brand-soft);color:var(--brand-dark);font-size:13.5px;font-weight:500;
  border:1px solid #D3E1F5;white-space:nowrap}
.chip svg{color:var(--brand);flex:0 0 14px}
.blank-dl{display:flex;flex-wrap:wrap;gap:12px;margin:0 0 12px}
.dl{position:relative;overflow:hidden;display:inline-flex;align-items:center;gap:9px;
  padding:13px 22px;border-radius:9px;font-weight:700;font-size:16px;
  text-decoration:none;transition:transform .15s ease,box-shadow .15s ease}
.dl-pdf{color:#402A05;background:linear-gradient(135deg,#E8B75A,var(--accent))}
.dl-doc{color:#fff;background:linear-gradient(135deg,var(--brand),var(--brand-dark))}
.dl:hover{transform:translateY(-1px);text-decoration:none;
  box-shadow:0 8px 20px rgba(10,39,81,.26)}
.dl:after{content:"";position:absolute;top:0;left:-60%;width:40%;height:100%;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,.5),transparent);
  transition:left .55s ease}
.dl:hover:after{left:120%}
.blank-note{margin:0;font-size:13.5px;line-height:1.5;color:var(--muted)}
@media (max-width:760px){
  .blank{grid-template-columns:minmax(0,1fr);gap:16px;padding:16px 17px}
  .blank-prev{max-width:200px}
  .blank .dl{flex:1 1 auto;justify-content:center;padding:13px 16px}
}
@media (prefers-reduced-motion:reduce){
  .dl,.dl:after,.blank-prev{transition:none}
  .dl:hover,.blank-prev:hover{transform:none}
}

/* конструктор документа */
.constr{margin:28px 0;padding:22px 24px;background:var(--white);border:1px solid var(--border);
  border-radius:var(--radius);box-shadow:var(--shadow)}
.constr-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:24px;
  align-items:start}
.constr .calc-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));
  gap:16px 14px;min-width:0}
.constr textarea{width:100%;max-width:100%;padding:11px 12px;font-size:15.5px;
  font-family:inherit;line-height:1.5;color:var(--text);background:var(--bg);
  border:1px solid var(--border);border-radius:8px;resize:vertical}
.constr textarea:focus{outline:3px solid var(--accent);outline-offset:1px}
.constr-side{min-width:0;position:sticky;top:84px}
.doc{background:#fff;border:1px solid var(--border);border-radius:10px;
  padding:26px 28px;box-shadow:0 3px 14px rgba(10,39,81,.09);
  font-family:Georgia,"Times New Roman",serif;font-size:15px;line-height:1.6;
  color:#1A1E26;max-height:520px;overflow-y:auto;overflow-x:hidden;overflow-wrap:break-word}
.doc p{margin:0 0 8px}
.doc .d-b{text-align:center;font-weight:700;margin:16px 0 6px;letter-spacing:.02em}
.doc .d-c{text-align:center}
.doc .d-gap{height:8px;margin:0}
.doc i{color:#8A8F98;font-style:italic}
.doc .d-sign{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px 18px;
  margin-top:26px}
.doc .d-sign span{overflow-wrap:anywhere;min-width:0}
.doc .d-sign-l{margin-top:2px;font-size:12px;color:var(--muted)}
.constr-btns{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}
.constr-btns .dl{border:0;cursor:pointer;font-family:inherit}
.constr-btns .dl-out{color:var(--brand-dark);background:var(--white);
  border:1px solid var(--border);box-shadow:none}
.constr-btns .dl-out:hover{background:var(--brand-soft)}
.constr-lim{margin-top:18px}
@media (max-width:900px){
  .constr-grid{grid-template-columns:minmax(0,1fr);gap:20px}
  .constr-side{position:static}
}
@media (max-width:640px){
  .constr{padding:17px 17px}
  .constr .calc-fields{grid-template-columns:minmax(0,1fr)}
  .doc{padding:18px 18px;font-size:14.5px;max-height:400px}
  .constr-btns .dl{flex:1 1 100%;justify-content:center}
}

/* калькулятор */
.calc{margin:28px 0;padding:22px 24px;background:var(--white);border:1px solid var(--border);
  border-radius:var(--radius);box-shadow:var(--shadow)}
.calc-head{display:flex;align-items:center;gap:11px;margin-bottom:12px;color:var(--brand)}
.calc-head b{color:var(--brand-dark);font-size:20px;line-height:1.3}
.calc-verified{display:flex;align-items:center;gap:9px;margin:0 0 14px;padding:10px 14px;
  background:var(--ok-soft);border-radius:8px;color:#1B6B3A;font-size:14.5px;line-height:1.45}
.calc-verified svg{flex:0 0 16px;color:var(--ok)}
.calc-lead{margin:0 0 18px;font-size:14.5px;line-height:1.5;color:var(--muted)}
.calc-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:24px;
  align-items:start}
.calc-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px 14px;min-width:0}
.fld{display:grid;gap:6px;align-content:start;min-width:0}
.fld-wide{grid-column:1 / -1}
.fld-t{font-size:14.5px;font-weight:600;color:var(--text);line-height:1.35}
.fld-h{font-size:13px;color:var(--muted);line-height:1.4}
.calc input,.calc select,.constr input,.constr select{width:100%;max-width:100%;padding:11px 12px;font-size:16px;
  font-family:inherit;color:var(--text);background:var(--bg);
  border:1px solid var(--border);border-radius:8px}
.calc input:focus,.calc select:focus,.constr input:focus,.constr select:focus{outline:3px solid var(--accent);outline-offset:1px}
.calc-side{min-width:0}
.calc-out{background:linear-gradient(160deg,var(--brand-dark),#06182F);color:#fff;
  border-radius:12px;padding:20px 22px}
.calc-main{padding-bottom:15px;margin-bottom:5px;border-bottom:1px solid rgba(255,255,255,.16)}
.calc-main-l{display:block;font-size:12.5px;letter-spacing:.09em;text-transform:uppercase;
  color:rgba(255,255,255,.66);margin-bottom:6px}
.calc-main-v{display:block;font-size:33px;line-height:1.12;font-weight:700;color:#fff;
  overflow-wrap:anywhere}
.calc-main-s{display:block;margin-top:8px;font-size:14px;line-height:1.45;
  color:rgba(255,255,255,.74)}
.calc-row{display:flex;justify-content:space-between;align-items:baseline;gap:14px;
  padding:9px 0;font-size:15px;border-bottom:1px solid rgba(255,255,255,.10)}
.calc-row:last-child{border-bottom:0;padding-bottom:0}
.calc-row span{color:rgba(255,255,255,.72);min-width:0}
.calc-row b{text-align:right;color:#fff;font-weight:600;overflow-wrap:anywhere}
.calc-row.ok b{color:#7EE2A8}
.calc-row.warn b{color:#F5C86B}
.calc-row.bad b{color:#FF9B93}
.calc-form{margin-top:14px;border:1px solid var(--border);border-radius:9px;
  background:var(--bg);overflow:hidden}
.calc-form summary{cursor:pointer;padding:13px 16px;font-weight:600;font-size:15px;
  color:var(--brand-dark);list-style:none;display:flex;justify-content:space-between;gap:10px}
.calc-form summary::-webkit-details-marker{display:none}
.calc-form summary:after{content:"+";color:var(--accent);font-weight:700;font-size:19px;
  line-height:1}
.calc-form[open] summary:after{content:"\2212"}
.calc-form>div{padding:0 16px 4px}
.calc-form p{margin:0 0 12px;font-size:14.5px;line-height:1.55;color:var(--text)}
.calc-note{display:flex;gap:9px;margin:14px 0 0;font-size:13.5px;line-height:1.5;
  color:var(--muted)}
.calc-note svg{flex:0 0 15px;margin-top:2px;color:var(--brand)}
@media (max-width:900px){
  .calc-grid{grid-template-columns:minmax(0,1fr);gap:20px}
}
@media (max-width:640px){
  .calc{padding:17px 17px}
  .calc-head b{font-size:18px}
  .calc-fields{grid-template-columns:minmax(0,1fr)}
  .calc-out{padding:17px 18px}
  .calc-main-v{font-size:28px}
  .calc-row{flex-direction:column;gap:3px;align-items:stretch}
  .calc-row b{text-align:left}
}

/* блок первоисточников */
.sources{margin:34px 0 0;padding:20px 22px;background:var(--brand-soft);
  border:1px solid #D3E1F5;border-radius:var(--radius)}
.sources h2{margin:0 0 6px;font-size:20px}
.sources-note{font-size:14.5px;color:var(--muted);margin:0 0 14px}
.src-list{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.src-list li{display:flex;align-items:flex-start;gap:10px;line-height:1.45}
.src-ico{flex:0 0 18px;margin-top:3px;color:var(--brand)}
.src-host{display:block;font-size:13px;color:var(--muted);overflow-wrap:anywhere}
@media (max-width:640px){.sources{padding:16px 18px}}

/* ─────────────────────────────────────────────────────────────────
   адаптив, слой 2 — таблица становится карточками (≤720px).
   Горизонтальный скролл на телефоне не замечают и не используют.
   Подписи ячеек берутся из data-label, его проставляет сборщик.
   ───────────────────────────────────────────────────────────────── */
@media (max-width:720px){
  .table-wrap{overflow-x:visible;margin:0 0 22px;padding:0;-webkit-overflow-scrolling:auto}
  .table-wrap table{min-width:0;width:100%;border:0;background:none;
    border-radius:0;font-size:15.5px;border-collapse:collapse}
  /* шапка нужна скринридеру, но не видна: клип вместо display:none */
  .table-wrap thead{position:absolute;width:1px;height:1px;overflow:hidden;
    clip-path:inset(50%);white-space:nowrap}
  .table-wrap tbody,.table-wrap tr,.table-wrap td{display:block;width:auto}
  .table-wrap tr{background:var(--white);border:1px solid var(--border);
    border-radius:var(--radius);box-shadow:var(--shadow);
    margin:0 0 12px;padding:13px 15px}
  .table-wrap tbody tr:nth-child(even) td{background:transparent}
  .table-wrap tbody tr:last-child{margin-bottom:0}
  .table-wrap td{border:0;padding:7px 0;display:flex;gap:12px;align-items:baseline}
  .table-wrap td+td{border-top:1px solid var(--border);padding-top:9px}
  .table-wrap td::before{content:attr(data-label);flex:0 0 38%;
    font-size:13px;line-height:1.4;font-weight:600;color:var(--muted)}
  .table-wrap td:not([data-label])::before{content:none}
  /* первая ячейка — заголовок карточки, подпись ей не нужна */
  .table-wrap td:first-child{display:block;font-weight:600;color:var(--brand-dark);
    font-size:16px;padding-top:0;padding-bottom:9px}
  .table-wrap td:first-child::before{display:none}
}

/* адаптив, слой 3 — очень узкие экраны (≤380px): подпись встаёт над значением */
@media (max-width:380px){
  .table-wrap tr{padding:12px 13px}
  .table-wrap td{display:block}
  .table-wrap td::before{display:block;margin-bottom:3px}
  .table-wrap td+td{padding-top:8px}
}

@media (hover:none){.card:hover{box-shadow:var(--shadow)}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* ======================================================================
   BANKBLOCK · дизайн-слой v2
   Каркас и палитра прежние; добавлены блоки подачи, графики, калькулятор.
   ====================================================================== */
:root{
  --brand-grad:linear-gradient(135deg,#0A2751 0%,#013D9F 55%,#1A5CFF 100%);
  --gold-grad:linear-gradient(135deg,#D9A03C 0%,#F0C169 100%);
  --ink-soft:#4A5464;
  --warn:#B4531A; --warn-soft:#FDF1E7;
  --bad:#B3261E;  --bad-soft:#FDECEA;
  --c1:#3B6FE0; --c2:#C98A1E; --c3:#0FA3A3; --c4:#D1495B;
  --s1:#E4ECFC; --s2:#B9CDF6; --s3:#83A6EE; --s4:#4E7CE4; --s5:#2453BE;
  --radius-l:16px;
  --shadow-m:0 6px 22px rgba(10,39,81,.09);
  --shadow-h:0 14px 40px rgba(10,39,81,.16);
}

/* ---------- 0. ПОРЯДОК КОЛОНОК ----------
   В разметке main идёт ПЕРВЫМ: на телефоне посетитель сразу видит ответ,
   а не список ссылок. На десктопе оглавление возвращается в левую колонку. */
@media (min-width:1021px){
  .layout > main{grid-column:2;grid-row:1}
  .layout > .side{grid-column:1;grid-row:1}
}
@media (max-width:1020px){
  .layout{grid-template-columns:minmax(0,1fr)}
  .layout > .side{position:static;margin-top:30px}
}

/* ---------- 1. ПОЛОСА ПРОГРЕССА ЧТЕНИЯ ---------- */
.rp{position:fixed;left:0;top:0;height:3px;width:100%;z-index:120;background:transparent;pointer-events:none}
.rp i{display:block;height:100%;width:0;background:var(--gold-grad);
  box-shadow:0 0 10px rgba(217,160,60,.55);transition:width .12s linear}

/* ---------- 2. КНОПКИ С ПЕРЕЛИВОМ ---------- */
.btn{--bg1:#1A5CFF;--bg2:#0A2751;
  position:relative;display:inline-flex;align-items:center;gap:9px;
  padding:13px 22px;border:0;border-radius:12px;cursor:pointer;
  font:600 16px/1.15 inherit;color:#fff;text-decoration:none;min-height:46px;
  background:linear-gradient(110deg,var(--bg1) 0%,var(--bg2) 38%,var(--bg1) 72%,var(--bg2) 100%);
  background-size:260% 100%;background-position:0% 0;
  box-shadow:0 5px 16px rgba(26,92,255,.26);overflow:hidden;
  transition:background-position .7s ease,transform .18s ease,box-shadow .18s ease}
.btn:hover{background-position:100% 0;transform:translateY(-1px);
  box-shadow:0 9px 24px rgba(26,92,255,.34);text-decoration:none;color:#fff}
.btn:active{transform:translateY(0)}
.btn:after{content:"";position:absolute;top:-60%;left:-60%;width:40%;height:220%;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,.38),transparent);
  transform:rotate(18deg) translateX(-160%);transition:transform .75s ease}
.btn:hover:after{transform:rotate(18deg) translateX(420%)}
.btn .ic{flex:0 0 auto}
.btn-gold{--bg1:#D9A03C;--bg2:#A96F12;box-shadow:0 5px 16px rgba(169,111,18,.28);color:#2B1B00}
.btn-gold:hover{color:#2B1B00;box-shadow:0 9px 24px rgba(169,111,18,.34)}
.btn-ghost{--bg1:#fff;--bg2:#fff;color:var(--brand);border:1.5px solid #C9D8F2;
  background:#fff;box-shadow:none}
.btn-ghost:hover{color:var(--brand);background:var(--brand-soft);box-shadow:none;transform:none}
.btn-ghost:after{display:none}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin:18px 0 4px}
@media (prefers-reduced-motion:reduce){
  .btn,.btn:hover{transition:none;transform:none;background-position:0 0}
  .btn:after{display:none}
}
@media (hover:none){.btn:hover{transform:none;background-position:0 0}}

/* ---------- 3. ГЕРОЙ-ОТВЕТ (первый экран) ---------- */
.hero{position:relative;background:var(--brand-grad);color:#fff;border-radius:var(--radius-l);
  padding:26px 30px 24px;margin:20px 0 26px;box-shadow:var(--shadow-h);overflow:hidden}
.hero:before{content:"";position:absolute;right:-70px;top:-90px;width:290px;height:290px;
  border-radius:50%;background:radial-gradient(circle,rgba(217,160,60,.30),transparent 68%)}
.hero:after{content:"";position:absolute;left:-40px;bottom:-110px;width:230px;height:230px;
  border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.12),transparent 70%)}
.hero > *{position:relative;z-index:1}
.hero-k{display:inline-flex;align-items:center;gap:7px;font-size:13.5px;font-weight:700;
  letter-spacing:.05em;text-transform:uppercase;color:#FCE3B4;margin-bottom:12px}
.hero-k .ic{color:#F0C169}
.hero h2,.hero .hero-t{font-size:23px;line-height:1.28;margin:0 0 12px;color:#fff;font-weight:700}
.hero p{color:#DCE6F8;font-size:16.5px;margin:0 0 12px}
.hero b,.hero strong{color:#fff}
.hero-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:18px 0 6px}
.hero-f{background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.18);
  border-radius:12px;padding:14px 15px;backdrop-filter:blur(2px)}
.hero-f .ic{color:#F0C169;margin-bottom:7px}
.hero-f b{display:block;font-size:19px;line-height:1.2;margin-bottom:3px}
.hero-f span{display:block;font-size:13.5px;color:#C8D6EE;line-height:1.35}
.hero .chips{margin-top:16px}
.hero .chip{background:rgba(255,255,255,.13);border-color:rgba(255,255,255,.26);color:#fff}
.hero .chip:hover{background:rgba(255,255,255,.22);text-decoration:none}
@media (max-width:760px){
  .hero{padding:22px 18px;border-radius:14px}
  .hero-grid{grid-template-columns:1fr}
  .hero h2,.hero .hero-t{font-size:20px}
}

/* ---------- 4. ЧИПЫ-ЯКОРЯ ---------- */
.chips{display:flex;flex-wrap:wrap;gap:9px}
.chip{display:inline-flex;align-items:center;gap:7px;padding:8px 14px;border-radius:999px;
  border:1px solid var(--border);background:#fff;color:var(--brand-dark);
  font-size:14.5px;font-weight:600;min-height:38px;transition:.16s}
.chip:hover{border-color:var(--action);color:var(--action);text-decoration:none}
.chip .ic{opacity:.8}

/* ---------- 5. ИКОНКА В ЗАГОЛОВКЕ ---------- */
article h2{display:flex;align-items:flex-start;gap:12px}
article h2 .h2ic{flex:0 0 auto;width:38px;height:38px;border-radius:10px;
  display:inline-flex;align-items:center;justify-content:center;
  background:var(--brand-soft);color:var(--brand);margin-top:1px}
article h3 .ic{color:var(--accent);vertical-align:-4px;margin-right:6px}
@media (max-width:640px){
  article h2{gap:10px}
  article h2 .h2ic{width:32px;height:32px;border-radius:9px}
  article h2 .h2ic svg{width:19px;height:19px}
}

/* ---------- 6. ПЛИТКИ С ИКОНКАМИ ---------- */
.tiles{display:grid;gap:14px;margin:22px 0}
.tiles.t2{grid-template-columns:repeat(2,minmax(0,1fr))}
.tiles.t3{grid-template-columns:repeat(3,minmax(0,1fr))}
.tiles.t4{grid-template-columns:repeat(4,minmax(0,1fr))}
.tile{background:#fff;border:1px solid var(--border);border-radius:14px;padding:18px 18px 16px;
  box-shadow:var(--shadow);transition:.18s;min-width:0}
.tile:hover{box-shadow:var(--shadow-m);transform:translateY(-2px);border-color:#C9D8F2}
.tile-i{width:42px;height:42px;border-radius:12px;display:flex;align-items:center;justify-content:center;
  background:var(--brand-soft);color:var(--brand);margin-bottom:12px}
.tile.gold .tile-i{background:var(--accent-soft);color:#A96F12}
.tile.ok   .tile-i{background:var(--ok-soft);color:var(--ok)}
.tile.warn .tile-i{background:var(--warn-soft);color:var(--warn)}
.tile.bad  .tile-i{background:var(--bad-soft);color:var(--bad)}
.tile b{display:block;font-size:16.5px;line-height:1.3;margin-bottom:6px;color:var(--brand-dark)}
.tile p{font-size:15px;color:var(--ink-soft);margin:0}
.tile .num{font-size:12.5px;font-weight:700;letter-spacing:.06em;color:var(--muted);
  text-transform:uppercase;display:block;margin-bottom:6px}
@media (max-width:900px){.tiles.t4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .tiles.t3{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.tiles.t2,.tiles.t3,.tiles.t4{grid-template-columns:1fr}}
@media (hover:none){.tile:hover{transform:none;box-shadow:var(--shadow)}}

/* ---------- 7. БЛОК СРАВНЕНИЯ ---------- */
.cmp{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0;margin:24px 0;
  border:1px solid var(--border);border-radius:14px;overflow:hidden;box-shadow:var(--shadow)}
.cmp-col{background:#fff;min-width:0}
.cmp-col + .cmp-col{border-left:1px solid var(--border)}
.cmp-h{display:flex;align-items:center;gap:10px;padding:14px 18px;font-weight:700;font-size:16px;
  color:#fff;background:var(--brand)}
.cmp-col.alt .cmp-h{background:#6B7A90}
.cmp-col.ok   .cmp-h{background:var(--ok)}
.cmp-col.bad  .cmp-h{background:var(--bad)}
.cmp ul{list-style:none;margin:0;padding:14px 18px 18px}
.cmp li{position:relative;padding:9px 0 9px 26px;font-size:15.5px;border-bottom:1px dashed var(--border);color:var(--ink-soft)}
.cmp li:last-child{border-bottom:0}
.cmp li:before{content:"";position:absolute;left:2px;top:15px;width:9px;height:9px;border-radius:50%;
  background:var(--brand);opacity:.5}
.cmp-col.ok li:before{background:var(--ok);opacity:.65}
.cmp-col.bad li:before{background:var(--bad);opacity:.65}
.cmp li b{color:var(--text)}
@media (max-width:720px){
  .cmp{grid-template-columns:1fr}
  .cmp-col + .cmp-col{border-left:0;border-top:1px solid var(--border)}
}

/* ---------- 8. ЦИТАТА-ВРЕЗКА ---------- */
.quote{position:relative;margin:28px 0;padding:26px 30px 24px 66px;border-radius:14px;
  background:linear-gradient(135deg,#F3F7FF 0%,#FDF4E3 100%);
  border:1px solid #E3EBFA;box-shadow:var(--shadow)}
.quote:before{content:"\201C";position:absolute;left:18px;top:2px;font-size:74px;line-height:1;
  color:var(--accent);font-family:Georgia,"Times New Roman",serif;opacity:.55}
.quote p{font-size:18.5px;line-height:1.5;color:var(--brand-dark);font-weight:600;margin:0}
.quote cite{display:block;margin-top:12px;font-size:14.5px;font-style:normal;color:var(--muted)}
@media (max-width:640px){.quote{padding:22px 18px 20px 46px}.quote p{font-size:17px}
  .quote:before{font-size:56px;left:12px}}

/* ---------- 9. ШАГИ СО СТРЕЛКАМИ (флоу) ---------- */
.flow{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin:24px 0;align-items:stretch}
.flow-s{position:relative;background:#fff;border:1px solid var(--border);border-radius:13px;
  padding:16px 15px;box-shadow:var(--shadow);min-width:0}
.flow-s:not(:last-child):after{content:"";position:absolute;right:-11px;top:50%;
  width:12px;height:12px;border-top:2px solid #C9D8F2;border-right:2px solid #C9D8F2;
  transform:translateY(-50%) rotate(45deg);z-index:2}
.flow-n{display:inline-flex;align-items:center;justify-content:center;width:26px;height:26px;
  border-radius:8px;background:var(--brand);color:#fff;font-size:14px;font-weight:700;margin-bottom:10px}
.flow-s b{display:block;font-size:15.5px;line-height:1.3;color:var(--brand-dark);margin-bottom:5px}
.flow-s span{font-size:14px;color:var(--ink-soft);line-height:1.4}
@media (max-width:900px){
  .flow{grid-template-columns:1fr}
  .flow-s:not(:last-child):after{right:auto;left:50%;top:auto;bottom:-11px;
    transform:translateX(-50%) rotate(135deg)}
}

/* ---------- 10. ПИЛЛЫ И СЧЁТЧИКИ ---------- */
.pill{display:inline-flex;align-items:center;gap:5px;padding:3px 11px;border-radius:999px;
  font-size:13.5px;font-weight:700;line-height:1.5;white-space:nowrap}
.pill.ok{background:var(--ok-soft);color:var(--ok)}
.pill.warn{background:var(--warn-soft);color:var(--warn)}
.pill.bad{background:var(--bad-soft);color:var(--bad)}
.pill.neu{background:var(--brand-soft);color:var(--brand)}
.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:24px 0}
.stat{background:#fff;border:1px solid var(--border);border-radius:13px;padding:16px 16px 14px;
  box-shadow:var(--shadow);min-width:0;border-top:3px solid var(--brand)}
.stat.gold{border-top-color:var(--accent)}
.stat.ok{border-top-color:var(--ok)}
.stat.bad{border-top-color:var(--bad)}
.stat-v{font-size:27px;font-weight:700;line-height:1.1;color:var(--brand-dark);
  letter-spacing:-.02em;margin-bottom:5px;display:block}
.stat-l{font-size:14px;color:var(--ink-soft);line-height:1.35;display:block}
.stat-s{font-size:12.5px;color:var(--muted);margin-top:7px;display:block}
@media (max-width:900px){.stats{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:420px){.stats{grid-template-columns:1fr}}

/* ---------- 11. ГРАФИКИ ---------- */
.fig{background:#fff;border:1px solid var(--border);border-radius:14px;padding:20px 22px 16px;
  margin:24px 0;box-shadow:var(--shadow)}
.fig-h{display:flex;align-items:flex-start;gap:11px;margin-bottom:4px}
.fig-h .ic{color:var(--brand);flex:0 0 auto;margin-top:2px}
.fig-h b{font-size:16.5px;line-height:1.3;color:var(--brand-dark)}
.fig-sub{font-size:14px;color:var(--muted);margin:0 0 14px 35px}
.fig figcaption{font-size:13.5px;color:var(--muted);margin-top:12px;padding-top:11px;
  border-top:1px solid var(--border);line-height:1.45}
.fig-lg{display:flex;flex-wrap:wrap;gap:16px;margin:2px 0 12px 35px}
.fig-lg span{display:inline-flex;align-items:center;gap:7px;font-size:14px;color:var(--ink-soft)}
.fig-lg i{width:12px;height:12px;border-radius:3px;display:inline-block}
.ic{flex:0 0 auto}
svg.ic{height:auto}
.ch-lbl{font:600 13px/1 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;fill:#4A5464}
.ch-val{font:700 13.5px/1 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;fill:#2B3441}
.ch-ax {font:500 12.5px/1 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;fill:#8A93A3}
.ch-grid{stroke:#EDF0F5;stroke-width:1}
.ch-base{stroke:#D8DEE8;stroke-width:1}
@media (max-width:640px){.fig{padding:16px 14px 12px}.fig-sub,.fig-lg{margin-left:0}}

/* ---------- 12. КАЛЬКУЛЯТОР v2 ---------- */
.calc2{border:1px solid #DCE5F5;border-radius:var(--radius-l);background:#fff;
  box-shadow:var(--shadow-m);margin:26px 0;overflow:hidden}
.calc2-top{background:linear-gradient(135deg,#F4F8FF,#FFF9EE);padding:18px 22px 16px;
  border-bottom:1px solid #E6EDF9}
.calc2-top .ttl{display:flex;align-items:center;gap:10px;font-size:18px;font-weight:700;
  color:var(--brand-dark);margin-bottom:6px}
.calc2-top .ttl .ic{color:var(--brand)}
.calc2-top p{font-size:14.5px;color:var(--ink-soft);margin:0}
.calc2-ver{display:inline-flex;align-items:center;gap:6px;background:var(--ok-soft);color:var(--ok);
  border-radius:999px;padding:4px 12px;font-size:13px;font-weight:600;margin-top:10px}
.calc2-body{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:0}
.calc2-in{padding:20px 22px 22px;min-width:0}
.calc2-out{background:#0A2751;color:#fff;padding:22px;min-width:0;
  background-image:radial-gradient(circle at 115% -10%,rgba(217,160,60,.28),transparent 58%)}
.calc2-q{font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;
  color:var(--muted);margin:0 0 9px}
.calc2-in .chips{margin-bottom:18px}
.calc2-in .chip{cursor:pointer;font-size:14px;padding:7px 13px}
.calc2-in .chip[aria-pressed="true"]{background:var(--brand);border-color:var(--brand);color:#fff}
.calc2-in .chip b{display:block;font-size:14px;font-weight:700}
.calc2-in .chip i{display:block;font-style:normal;font-size:12.5px;opacity:.75;font-weight:500}
.f2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-bottom:6px}
.f2 .fld-wide{grid-column:1/-1}
.fld{display:block;min-width:0}
.fld .fld-t{display:block;font-size:14.5px;font-weight:600;color:var(--brand-dark);margin-bottom:6px}
.fld input,.fld select{width:100%;padding:11px 13px;border:1.5px solid #D5DEEC;border-radius:10px;
  font-size:16px;font-family:inherit;color:var(--text);background:#fff;min-height:44px}
.fld input:focus,.fld select:focus{outline:0;border-color:var(--action);
  box-shadow:0 0 0 3px rgba(26,92,255,.14)}
.fld .fld-h{display:block;font-size:13px;color:var(--muted);margin-top:5px;line-height:1.35}
.sw{display:flex;border:1.5px solid #D5DEEC;border-radius:10px;overflow:hidden;background:#fff}
.sw button{flex:1;border:0;background:#fff;padding:11px 8px;font:600 15px/1.2 inherit;
  color:var(--ink-soft);cursor:pointer;min-height:44px}
.sw button[aria-pressed="true"]{background:var(--brand-soft);color:var(--brand)}
.calc2-main{border-bottom:1px solid rgba(255,255,255,.16);padding-bottom:16px;margin-bottom:16px}
.calc2-main .l{font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:#9DB4DC;
  font-weight:700;display:block;margin-bottom:8px}
.calc2-main .v{font-size:33px;font-weight:700;line-height:1.1;letter-spacing:-.02em;display:block}
.calc2-main .s{font-size:14px;color:#C2D2EC;display:block;margin-top:7px;line-height:1.4}
.calc2-rows{list-style:none;margin:0;padding:0}
.calc2-rows li{display:flex;justify-content:space-between;gap:12px;padding:8px 0;
  border-bottom:1px dashed rgba(255,255,255,.14);font-size:14.5px;color:#D6E1F3}
.calc2-rows li:last-child{border-bottom:0}
.calc2-rows li b{color:#fff;text-align:right;font-weight:600}
.calc2-rows li.warn b{color:#FFCF8A}
.calc2-rows li.ok b{color:#9BE3B4}
.calc2-acts{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.calc2-acts button{display:inline-flex;align-items:center;gap:7px;border:1px solid rgba(255,255,255,.26);
  background:rgba(255,255,255,.10);color:#fff;border-radius:10px;padding:9px 13px;
  font:600 14px/1 inherit;cursor:pointer;min-height:40px;transition:.16s}
.calc2-acts button:hover{background:rgba(255,255,255,.2)}
.calc2-note{display:flex;gap:9px;font-size:13.5px;color:var(--muted);margin-top:16px;line-height:1.45}
.calc2-note .ic{flex:0 0 auto;color:var(--accent);margin-top:1px}
.calc2-why{margin-top:14px;border-top:1px solid var(--border);padding-top:12px}
.calc2-why summary{cursor:pointer;font-weight:600;font-size:15px;color:var(--action);
  list-style:none;display:flex;align-items:center;gap:8px;min-height:40px}
.calc2-why summary::-webkit-details-marker{display:none}
.calc2-why summary:before{content:"";width:8px;height:8px;border-right:2px solid currentColor;
  border-bottom:2px solid currentColor;transform:rotate(-45deg);transition:.2s;flex:0 0 auto}
.calc2-why[open] summary:before{transform:rotate(45deg)}
.calc2-why p{font-size:14.5px;color:var(--ink-soft);margin:9px 0 0}
@media (max-width:980px){
  .calc2-body{grid-template-columns:1fr}
  .calc2-out{border-radius:0}
}
@media (max-width:640px){
  .calc2-in,.calc2-out{padding:18px 16px}
  .f2{grid-template-columns:1fr}
  .calc2-main .v{font-size:28px}
}

/* ---------- 13. ДИАГНОСТИКА (квиз-маршрутизатор) ---------- */
.dg{border:1px solid #DCE5F5;border-radius:var(--radius-l);overflow:hidden;margin:26px 0;
  box-shadow:var(--shadow-m);background:#fff}
.dg-h{background:var(--brand-grad);color:#fff;padding:18px 22px}
.dg-h b{display:flex;align-items:center;gap:10px;font-size:18px}
.dg-h .ic{color:#F0C169}
.dg-h p{margin:7px 0 0;font-size:14.5px;color:#CBD9F0}
.dg-b{padding:20px 22px 22px}
.dg-q{font-size:16.5px;font-weight:700;color:var(--brand-dark);margin:0 0 4px}
.dg-c{font-size:13.5px;color:var(--muted);margin:0 0 14px}
.dg-opts{display:grid;gap:10px}
.dg-opt{display:flex;align-items:flex-start;gap:11px;width:100%;text-align:left;cursor:pointer;
  background:#fff;border:1.5px solid var(--border);border-radius:12px;padding:14px 16px;
  font:inherit;color:var(--text);transition:.16s;min-height:46px}
.dg-opt:hover{border-color:var(--action);background:#F7FAFF}
.dg-opt .ic{flex:0 0 auto;color:var(--brand);margin-top:1px}
.dg-opt b{display:block;font-size:15.5px;color:var(--brand-dark);margin-bottom:2px}
.dg-opt span{display:block;font-size:14px;color:var(--ink-soft);line-height:1.4}
.dg-res{display:none}
.dg-res.on{display:block}
.dg-step{display:flex;align-items:center;gap:8px;margin-bottom:14px}
.dg-step i{width:28px;height:4px;border-radius:2px;background:var(--border);display:block}
.dg-step i.on{background:var(--accent)}
.dg-back{background:none;border:0;color:var(--action);font:600 14.5px inherit;cursor:pointer;
  padding:8px 0;min-height:40px;display:inline-flex;align-items:center;gap:6px}
.dg-out{border:1.5px solid var(--ok);background:var(--ok-soft);border-radius:12px;padding:16px 18px}
.dg-out b{display:block;font-size:16.5px;color:#1B5E20;margin-bottom:6px}
.dg-out p{font-size:15px;color:#2C4A31;margin:0 0 10px}
.dg-out .btn-row{margin-top:12px}
@media (max-width:640px){.dg-h,.dg-b{padding:16px}}

/* ---------- 14. КАРТОЧКИ БАНКОВ / ССЫЛОК ---------- */
.lnk{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:22px 0}
.lnk a{display:flex;align-items:flex-start;gap:12px;background:#fff;border:1px solid var(--border);
  border-radius:13px;padding:15px 16px;box-shadow:var(--shadow);transition:.18s;min-width:0}
.lnk a:hover{border-color:var(--action);box-shadow:var(--shadow-m);text-decoration:none;transform:translateY(-2px)}
.lnk .ic{flex:0 0 auto;color:var(--brand);margin-top:2px}
.lnk b{display:block;font-size:15.5px;color:var(--brand-dark);margin-bottom:3px}
.lnk span{display:block;font-size:14px;color:var(--ink-soft);line-height:1.4}
@media (max-width:640px){.lnk{grid-template-columns:1fr}}
@media (hover:none){.lnk a:hover{transform:none}}

/* ---------- 15. ИСТОРИЯ ОБНОВЛЕНИЙ ---------- */
.upd{border-left:3px solid var(--accent);padding-left:18px;margin:24px 0}
.upd li{list-style:none;position:relative;padding:0 0 14px 0;font-size:15px;color:var(--ink-soft)}
.upd li:before{content:"";position:absolute;left:-24px;top:7px;width:9px;height:9px;border-radius:50%;
  background:var(--accent);box-shadow:0 0 0 3px #fff}
.upd time{display:block;font-size:13px;font-weight:700;color:var(--brand);margin-bottom:2px;
  text-transform:uppercase;letter-spacing:.04em}

/* ---------- 16. ВРЕЗКИ: усиление ---------- */
.note,.ok-box,.law,.sample{position:relative}
.note-h{display:flex;align-items:center;gap:9px;font-weight:700;color:var(--brand-dark);
  margin-bottom:7px;font-size:16px}
.note-h .ic{color:var(--accent)}
.ok-box .note-h .ic{color:var(--ok)}
.bad-box{background:var(--bad-soft);border-left:4px solid var(--bad);border-radius:var(--radius);
  padding:18px 20px;margin:22px 0}
.bad-box .note-h .ic{color:var(--bad)}
.warn-box{background:var(--warn-soft);border-left:4px solid var(--warn);border-radius:var(--radius);
  padding:18px 20px;margin:22px 0}
.warn-box .note-h .ic{color:var(--warn)}

/* ---------- 17. ТАБЛИЦЫ: премиум ---------- */
.table-wrap{margin:22px 0}
table thead th{background:var(--brand-dark);color:#fff;font-weight:600;font-size:14.5px;
  padding:13px 15px;text-align:left;letter-spacing:.01em}
tbody tr:nth-child(even){background:#FAFBFD}
tbody tr:hover{background:#F4F8FF}
td:first-child{font-weight:600;color:var(--brand-dark)}
@media (hover:none){tbody tr:hover{background:inherit}tbody tr:nth-child(even):hover{background:#FAFBFD}}

/* ---------- 18. НУМЕРОВАННЫЙ СПИСОК С ИКОНКАМИ ---------- */
ol.num{list-style:none;counter-reset:n;margin:20px 0;padding:0}
ol.num > li{counter-increment:n;position:relative;padding:4px 0 16px 46px;font-size:16px;color:var(--ink-soft)}
ol.num > li:before{content:counter(n);position:absolute;left:0;top:2px;width:32px;height:32px;
  border-radius:10px;background:var(--brand);color:#fff;font-weight:700;font-size:15px;
  display:flex;align-items:center;justify-content:center}
ol.num > li b{color:var(--brand-dark)}
ul.ick{list-style:none;margin:18px 0;padding:0}
ul.ick > li{position:relative;padding:6px 0 10px 32px;font-size:16px;color:var(--ink-soft)}
ul.ick > li > .ic{position:absolute;left:0;top:7px;color:var(--ok)}
ul.ick.bad > li > .ic{color:var(--bad)}
ul.ick > li b{color:var(--brand-dark)}

/* ---------- 19. ПОИСК ---------- */
.srch-b{display:inline-flex;align-items:center;gap:8px;background:var(--brand-soft);border:0;
  border-radius:10px;color:var(--brand-dark);font:600 14.5px inherit;padding:9px 14px;
  cursor:pointer;min-height:40px;margin-left:16px;flex:0 0 auto}
.srch-b:hover{background:#DCE8FA}
.srch-b kbd{background:#fff;border:1px solid #CBD8EE;border-radius:5px;padding:1px 6px;
  font:600 12px/1.5 inherit;color:var(--muted)}
@media (max-width:1180px){.srch-b kbd{display:none}}
@media (max-width:1020px){.srch-b{margin-left:auto;margin-right:10px}}

/* ---------- 20. АДАПТИВ 320-380 ---------- */
@media (max-width:380px){
  .wrap,.layout{padding-left:14px;padding-right:14px}
  h1{font-size:23px}
  .hero{padding:18px 15px}
  .hero h2,.hero .hero-t{font-size:18.5px}
  .stat-v{font-size:24px}
  .calc2-main .v{font-size:25px}
  .chip{font-size:13.5px;padding:7px 11px}
}
@media (max-width:340px){
  .wrap,.layout{padding-left:12px;padding-right:12px}
  h1{font-size:21.5px}
  article h2{font-size:19px}
}

/* ---------- 21. ГРАФИКИ: столбики на HTML (читаемы на 320 px) ---------- */
.bars{margin:6px 0 2px}
.bars .row{display:grid;grid-template-columns:minmax(120px,34%) minmax(0,1fr);gap:14px;
  align-items:center;padding:7px 0}
.bars .nm{font-size:14.5px;color:var(--ink-soft);line-height:1.3;min-width:0}
.bars .nm b{display:block;color:var(--brand-dark);font-weight:600}
.bars .nm i{display:block;font-style:normal;font-size:12.8px;color:var(--muted);margin-top:1px}
.bars .trk{min-width:0}
.bars .brw{display:flex;align-items:center;gap:10px;min-width:0}
.bars .br{display:block;flex:0 0 auto;height:18px;border-radius:0 5px 5px 0;background:var(--s4);min-width:3px}
.bars .br.gold{background:var(--c2)}
.bars .br.bad{background:var(--c4)}
.bars .br.ok{background:var(--c3)}
.bars .vl{font-size:14px;font-weight:700;color:var(--text);white-space:nowrap}
.bars .vl small{font-weight:500;color:var(--muted);font-size:12.8px}
.bars .zero{font-size:13.5px;color:var(--muted);font-style:italic}
.bars-ax{display:flex;justify-content:space-between;font-size:12.5px;color:#8A93A3;
  border-top:1px solid #EDF0F5;margin-top:8px;padding-top:6px}
@media (max-width:560px){
  .bars .row{grid-template-columns:1fr;gap:5px;padding:9px 0;border-bottom:1px dashed var(--border)}
  .bars .row:last-child{border-bottom:0}
}

/* ---------- 22. ТАЙМЛАЙН ПРОЦЕДУРЫ ---------- */
.tlx{position:relative;margin:8px 0 2px;padding-left:2px}
.tlx ol{list-style:none;margin:0;padding:0;display:grid;gap:0}
.tlx li{position:relative;padding:0 0 22px 38px}
.tlx li:last-child{padding-bottom:2px}
.tlx li:before{content:"";position:absolute;left:11px;top:22px;bottom:0;width:2px;background:#DCE5F5}
.tlx li:last-child:before{display:none}
.tlx li .dot{position:absolute;left:0;top:3px;width:24px;height:24px;border-radius:50%;
  background:var(--brand);color:#fff;display:flex;align-items:center;justify-content:center;
  font-size:12px;font-weight:700;box-shadow:0 0 0 3px #fff}
.tlx li.gold .dot{background:var(--accent);color:#2B1B00}
.tlx li.ok .dot{background:var(--ok)}
.tlx li .d{display:block;font-size:12.8px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;
  color:var(--brand);margin-bottom:3px}
.tlx li.gold .d{color:#A96F12}
.tlx li b{display:block;font-size:16px;color:var(--brand-dark);margin-bottom:3px;line-height:1.3}
.tlx li span.t{display:block;font-size:14.8px;color:var(--ink-soft);line-height:1.45}

/* ---------- 23. ТАБЛИЦА-ВИД ДЛЯ ГРАФИКА ---------- */
.fig-tbl{margin-top:12px}
.fig-tbl summary{cursor:pointer;font-size:14px;color:var(--action);font-weight:600;
  min-height:38px;display:flex;align-items:center;gap:7px}
.fig-tbl summary::-webkit-details-marker{display:none}
.fig-tbl table{margin-top:10px;font-size:14.5px}

/* ---------- 24. ФИКСЫ АДАПТИВА (проверено рендерингом на 320 px) ---------- */
b,i,strong,em,span,figcaption,cite{overflow-wrap:break-word}

/* шапку таблицы прячем целиком, иначе её прямоугольники распирают экран */
@media (max-width:720px){
  .table-wrap thead,.table-wrap thead tr,.table-wrap thead th{
    position:absolute;left:0;top:0;width:1px;height:1px;margin:-1px;padding:0;
    overflow:hidden;clip-path:inset(50%);white-space:nowrap;border:0;font-size:1px}
  table,.table-wrap table,.scroll table,.scroll.t2 table,.scroll.t3 table{min-width:0}
}

/* кнопка поиска на узком экране — только иконка */
@media (max-width:520px){
  .srch-b{font-size:0;padding:9px 11px;gap:0;margin-left:auto;margin-right:8px}
  .srch-b .ic{width:20px;height:20px}
}

/* столбики: значение переносится под полосу, полоса не распирает строку */
@media (max-width:560px){
  .bars .row{grid-template-columns:minmax(0,1fr)}
  .bars .br{max-width:58%}
}

/* чипы пресетов калькулятора переносятся по словам */
.calc2-in .chip{white-space:normal;max-width:100%;text-align:left;align-items:flex-start}
.calc2-in .chip b,.calc2-in .chip i{white-space:normal}

/* мелкие подписи — базовым правилом, а не в медиазапросе */
.bars .nm i{font-size:13px}
.stat-s{font-size:13px}
.tlx li .d{font-size:13px}
.tlx li .dot{width:26px;height:26px;font-size:13px}
.tlx li:before{left:12px}
.fig-lg span,.bars-ax{font-size:13px}
.chip i{font-size:13px}
.calc2-rows li{font-size:14.5px}
.calc2-note,.fig figcaption,.fig-sub{font-size:13.5px}

/* длинные значения в тёмной панели результата */
.calc2-rows li b{overflow-wrap:anywhere}
.calc2-main .v{overflow-wrap:anywhere}

/* заголовок графика обязан уметь сжиматься внутри флекса */
.fig-h{min-width:0}
.fig-h b{min-width:0;flex:1 1 auto}
.calc2-in .chip i{font-size:13px}
.note-h,.law-head,.sample-head{min-width:0}

@media (max-width:400px){
  .logo img{width:124px}
  .srch-b{padding:9px 9px;margin-right:4px}
  .header-inner{gap:8px}
}
@media (max-width:360px){
  .hero-f b{font-size:17.5px}
  .bars .nm b{font-size:14px}
}

/* ═══ КАЛЬКУЛЯТОР v3 ═══════════════════════════════════════ */
:root{--bad:#C0392B;--bad-soft:#FBEDEB;--warn:#B26A00;--warn-soft:#FFF5E3}

.c3{border:1px solid #DCE5F5;border-radius:16px;background:#fff;
  box-shadow:0 6px 26px rgba(10,39,81,.09);margin:28px 0;overflow:hidden}
.c3-top{background:linear-gradient(135deg,#F4F8FF 0%,#FFF9EE 100%);
  padding:18px 22px 16px;border-bottom:1px solid #E6EDF9}
.c3-top .ttl{display:flex;align-items:center;gap:10px;font-size:19px;font-weight:700;
  color:var(--brand-dark);margin-bottom:6px;min-width:0}
.c3-top .ttl .ic{color:var(--brand);flex:0 0 auto}
.c3-top p{font-size:14.5px;color:var(--muted);margin:0}
.c3-ver{display:inline-flex;align-items:center;gap:6px;background:var(--ok-soft);color:var(--ok);
  border-radius:999px;padding:4px 12px;font-size:13px;font-weight:600;margin-top:10px}
.c3-ver .ic{flex:0 0 auto}

.c3-body{display:grid;grid-template-columns:minmax(0,1fr) 372px;gap:0;align-items:start}
.c3-in{padding:20px 22px 22px;min-width:0}
.c3-out{background:var(--brand-dark);color:#fff;padding:20px;min-width:0;align-self:stretch;
  background-image:radial-gradient(circle at 115% -10%,rgba(217,160,60,.30),transparent 58%)}

/* группы быстрых пресетов */
.c3-q{display:flex;align-items:center;justify-content:space-between;gap:12px;
  font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;
  color:var(--muted);margin:0 0 10px}
.c3-q a{font-size:13px;font-weight:600;text-transform:none;letter-spacing:0}
.c3-grp{margin-bottom:15px}
.c3-gh{display:flex;align-items:center;gap:8px;font-size:13px;font-weight:700;
  text-transform:uppercase;letter-spacing:.04em;color:var(--muted);margin:0 0 8px}
.c3-gh i{width:9px;height:9px;border-radius:50%;background:var(--ok);flex:0 0 auto}
.c3-gh.w i{background:var(--accent)}
.c3-gh.b i{background:var(--bad)}
.c3-in .chips{gap:8px}
.c3-in .chip{cursor:pointer;font-size:14px;padding:8px 13px;white-space:normal;
  max-width:100%;text-align:left;align-items:flex-start;transition:.16s}
.c3-in .chip b{display:block;font-size:14px;font-weight:700;white-space:normal}
.c3-in .chip i{display:block;font-style:normal;font-size:13px;opacity:.75;
  font-weight:500;white-space:normal}
.c3-in .chip:hover{border-color:var(--action);background:#F7FAFF}
.c3-in .chip[aria-pressed="true"]{background:var(--brand);border-color:var(--brand);color:#fff}
.c3-in .chip[aria-pressed="true"] i{opacity:.85}

/* поля */
.c3-f{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:15px;margin-bottom:4px}
.c3-f .fld-wide{grid-column:1/-1}
.fld-live{display:block;font-size:13px;font-weight:600;color:var(--brand);margin-top:5px;
  line-height:1.35;min-height:18px}
.sw3{display:flex;border:1.5px solid #D5DEEC;border-radius:10px;overflow:hidden;background:#fff}
.sw3 button{flex:1;border:0;background:#fff;padding:11px 8px;font:600 15px/1.25 inherit;
  color:var(--ink-soft,#4A5568);cursor:pointer;min-height:46px;transition:.16s;min-width:0}
.sw3 button+button{border-left:1.5px solid #D5DEEC}
.sw3 button[aria-pressed="true"]{background:var(--brand);color:#fff}
.sw3 button span{display:block;font-size:13px;font-weight:500;opacity:.72}

/* кнопка расчёта с переливом */
.c3-cta{display:flex;align-items:center;justify-content:center;gap:10px;width:100%;border:0;
  border-radius:12px;min-height:54px;cursor:pointer;font:700 17px/1.2 inherit;color:#fff;
  margin-top:18px;position:relative;overflow:hidden;
  background:linear-gradient(100deg,#C8902F 0%,#E8B65C 50%,#C8902F 100%);
  background-size:220% 100%;background-position:0 0;
  box-shadow:0 6px 18px rgba(217,160,60,.32);
  transition:background-position .55s ease,box-shadow .22s,transform .12s}
.c3-cta .ic{flex:0 0 auto}
.c3-cta:hover{background-position:100% 0;box-shadow:0 9px 26px rgba(217,160,60,.46)}
.c3-cta:active{transform:translateY(1px)}
.c3-cta:after{content:"";position:absolute;inset:0;pointer-events:none;
  background:linear-gradient(105deg,transparent 36%,rgba(255,255,255,.42) 50%,transparent 64%);
  transform:translateX(-130%)}
.c3-cta:hover:after{transform:translateX(130%);transition:transform .8s ease}
.c3-dis{font-size:13px;color:var(--muted);text-align:center;margin:9px 0 0;line-height:1.45}

/* результат */
.c3-badge{display:inline-flex;align-items:center;gap:7px;border-radius:999px;padding:5px 13px;
  font-size:13px;font-weight:700;margin-bottom:13px}
.c3-badge .ic{flex:0 0 auto}
.c3-badge.ok{background:rgba(155,227,180,.17);color:#9BE3B4}
.c3-badge.warn{background:rgba(255,207,138,.17);color:#FFCF8A}
.c3-badge.bad{background:rgba(255,145,130,.17);color:#FF9182}
.c3-badge.info{background:rgba(157,180,220,.17);color:#BBCBE8}
.c3-main{border-bottom:1px solid rgba(255,255,255,.16);padding-bottom:16px;margin-bottom:15px}
.c3-main .l{font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:#9DB4DC;
  font-weight:700;display:block;margin-bottom:8px}
.c3-main .v{font-size:34px;font-weight:700;line-height:1.08;letter-spacing:-.02em;display:block;
  overflow-wrap:anywhere}
.c3-main .s{font-size:14px;color:#C2D2EC;display:block;margin-top:8px;line-height:1.45}
.c3-rows{list-style:none;margin:0;padding:0}
.c3-rows li{display:flex;justify-content:space-between;gap:12px;padding:9px 0;
  border-bottom:1px dashed rgba(255,255,255,.14);font-size:14.5px;color:#D6E1F3}
.c3-rows li:last-child{border-bottom:0}
.c3-rows li b{color:#fff;text-align:right;font-weight:600;overflow-wrap:anywhere}
.c3-rows li.warn b{color:#FFCF8A}
.c3-rows li.ok b{color:#9BE3B4}
.c3-rows li.bad b{color:#FF9182}

/* шкала */
.c3-box{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);
  border-radius:12px;padding:14px;margin-top:14px}
.c3-bh{display:flex;justify-content:space-between;align-items:center;gap:10px;font-size:13px;
  font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:#9DB4DC}
.c3-bh b{color:#fff;font-size:14px;text-transform:none;letter-spacing:0}
.c3-track{height:8px;border-radius:99px;background:rgba(255,255,255,.17);position:relative;
  margin:16px 0 9px}
.c3-fill{position:absolute;left:0;top:0;bottom:0;border-radius:99px;
  background:linear-gradient(90deg,#7FD3A0,#D9A03C)}
.c3-dot{position:absolute;top:50%;width:15px;height:15px;border-radius:50%;background:#fff;
  border:3px solid var(--accent);transform:translate(-50%,-50%);box-shadow:0 2px 8px rgba(0,0,0,.34)}
.c3-ends{display:flex;justify-content:space-between;gap:10px;font-size:13px;color:#9DB4DC}
.c3-cap{font-size:13.5px;color:#D6E1F3;margin-top:10px;line-height:1.5}
.c3-cap b{color:#FFCF8A}
.c3-box ul{list-style:none;margin:10px 0 0;padding:0}
.c3-box li{display:flex;justify-content:space-between;gap:12px;padding:7px 0;font-size:14px;
  color:#D6E1F3;border-bottom:1px dashed rgba(255,255,255,.12)}
.c3-box li:last-child{border-bottom:0}
.c3-box li b{color:#fff;text-align:right;font-weight:600}
.c3-bn{font-size:13px;color:#9DB4DC;margin:10px 0 0;line-height:1.5}

/* действия */
.c3-acts{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:16px}
.c3-acts button,.c3-acts a{display:inline-flex;align-items:center;justify-content:center;gap:7px;
  border:1px solid rgba(255,255,255,.26);background:rgba(255,255,255,.10);color:#fff;
  border-radius:10px;padding:10px 12px;font:600 14px/1.2 inherit;cursor:pointer;min-height:44px;
  transition:.16s;text-align:center;min-width:0}
.c3-acts a{text-decoration:none}
.c3-acts button:hover,.c3-acts a:hover{background:rgba(255,255,255,.2);text-decoration:none}
.c3-acts .wide{grid-column:1/-1}
.c3-acts .ic{flex:0 0 auto}

.c3-why{margin-top:15px;border-top:1px solid var(--border);padding-top:13px}
.c3-why summary{cursor:pointer;font-weight:600;font-size:15px;color:var(--action);
  list-style:none;display:flex;align-items:center;gap:8px;min-height:42px}
.c3-why summary::-webkit-details-marker{display:none}
.c3-why summary:before{content:"";width:8px;height:8px;border-right:2px solid currentColor;
  border-bottom:2px solid currentColor;transform:rotate(-45deg);transition:.2s;flex:0 0 auto}
.c3-why[open] summary:before{transform:rotate(45deg)}
.c3-why p{font-size:14.5px;color:var(--text);margin:9px 0 0;line-height:1.6}
.c3-note{display:flex;gap:9px;font-size:13.5px;color:var(--muted);line-height:1.5;
  padding:0 22px 18px;margin:0}
.c3-note .ic{flex:0 0 auto;color:var(--accent);margin-top:2px}

@media (prefers-reduced-motion:reduce){
  .c3-cta,.c3-cta:after,.c3-in .chip,.sw3 button{transition:none}
  .c3-cta:hover:after{transform:translateX(-130%)}
}
@media (hover:none){
  .c3-cta:hover{background-position:0 0;box-shadow:0 6px 18px rgba(217,160,60,.32)}
  .c3-cta:after{display:none}
  .c3-in .chip:hover{border-color:var(--border);background:#fff}
}
@media (max-width:980px){
  .c3-body{grid-template-columns:1fr}
  .c3-out{border-radius:0}
}
@media (max-width:640px){
  .c3-in,.c3-out{padding:18px 16px}
  .c3-f{grid-template-columns:1fr}
  .c3-main .v{font-size:29px}
  .c3-note{padding:0 16px 16px}
  .c3-acts{grid-template-columns:1fr}
}
@media (max-width:400px){
  .c3-main .v{font-size:26px}
  .c3-top .ttl{font-size:17.5px}
  .sw3 button{font-size:14.5px;padding:10px 6px}
}

/* тач-таргеты, унаследованные из слоя v2 */
.faq summary{min-height:44px}
.fig-tbl summary,.side-title,.toc-wrap summary.side-title{min-height:40px;
  display:flex;align-items:center;gap:8px;cursor:pointer}

/* ── Таблица на телефоне: ячейка — flex, значение должно быть ОДНИМ
   элементом, иначе каждый <b> внутри становится отдельным flex-элементом
   и длинное слово выталкивает строку за экран. ───────────────────── */
@media (max-width:720px){
  .table-wrap td>.td-v{flex:1 1 auto;min-width:0;overflow-wrap:anywhere}
  .table-wrap td>*{min-width:0}
  .table-wrap td{overflow-wrap:anywhere}
}

/* ── Конструктор документов: шапка справа, пункты, карточки операций ── */
.doc .d-r{text-align:right;margin:0 0 2px}
.doc .d-li{padding-left:18px;text-indent:-18px;margin:0 0 6px}
.doc{overflow-wrap:anywhere}
.doc.doc-static{max-height:none;overflow:visible;margin:0 0 20px}
/* справочник доходов (/pristavy/zashchishchennye-dohody/) */
.inc{background:#fff;border:1px solid var(--border);border-radius:16px;box-shadow:0 6px 22px rgba(10,39,81,.09);margin:22px 0;overflow:hidden}
.inc-top{padding:20px 22px 14px;background:linear-gradient(135deg,#EAF1FB 0%,#fff 70%);border-bottom:1px solid var(--border)}
.inc-top>b{display:inline-flex;align-items:center;gap:10px;font-size:19px;color:#0A2751}
.inc-top>b .ic,.inc-top>.ic{color:#013D9F}
.inc-top{display:grid;grid-template-columns:auto 1fr;column-gap:10px;align-items:center}
.inc-top p{grid-column:1/-1;margin:6px 0 0;color:var(--muted);font-size:14.5px}
.inc-bar{padding:16px 22px 6px;display:grid;gap:12px}
.inc-q{display:flex;align-items:center;gap:10px;border:1.5px solid var(--border);border-radius:12px;padding:0 14px;background:#F8FAFD;transition:border-color .2s,box-shadow .2s}
.inc-q:focus-within{border-color:#1A5CFF;box-shadow:0 0 0 4px rgba(26,92,255,.12);background:#fff}
.inc-q .ic{color:var(--muted);flex:0 0 auto}
.inc-q input{border:0;background:transparent;font:inherit;font-size:16px;min-height:48px;width:100%;outline:0;color:var(--text)}
.inc-chips{display:flex;flex-wrap:wrap;gap:8px}
.inc-chips button{border:1.5px solid var(--border);background:#fff;border-radius:999px;padding:9px 14px;font:inherit;font-size:14px;font-weight:600;color:#2B3441;cursor:pointer;min-height:40px;display:inline-flex;align-items:center;gap:6px;transition:all .18s}
.inc-chips button b{font-size:13px;background:#EEF2F7;border-radius:999px;padding:1px 7px;color:var(--muted)}
.inc-chips button:hover{border-color:#1A5CFF;color:#013D9F}
.inc-chips button[aria-pressed="true"]{background:#013D9F;border-color:#013D9F;color:#fff}
.inc-chips button[aria-pressed="true"] b{background:rgba(255,255,255,.2);color:#fff}
.inc-count{margin:4px 22px 10px;font-size:13.5px;color:var(--muted)}
.inc-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;padding:0 22px 22px}
.inc-it{border:1px solid var(--border);border-radius:12px;padding:14px 16px;background:#fff;transition:box-shadow .2s,transform .2s;border-left:4px solid #CBD5E1}
.inc-it:hover{box-shadow:0 6px 18px rgba(10,39,81,.08);transform:translateY(-1px)}
.inc-it[data-st="free"]{border-left-color:#2E7D32}
.inc-it[data-st="alim"]{border-left-color:#C98A1E}
.inc-it[data-st="part"]{border-left-color:#3B6FE0}
.inc-it[data-st="open"]{border-left-color:#B3261E}
.inc-it[hidden]{display:none}
.inc-h{display:flex;justify-content:space-between;gap:10px;align-items:flex-start}
.inc-h b{font-size:15.5px;color:#0A2751;line-height:1.35}
.inc-st{flex:0 0 auto;font-size:13px;font-weight:700;border-radius:999px;padding:3px 9px;white-space:nowrap}
.inc-st.free{background:#EAF7EF;color:#2E7D32}
.inc-st.alim{background:#FDF4E3;color:#8A5A0B}
.inc-st.part{background:#E4ECFC;color:#2453BE}
.inc-st.open{background:#FDECEA;color:#B3261E}
.inc-it p{margin:8px 0 0;font-size:14px;color:#4A5464;line-height:1.5}
.inc-m{display:flex;flex-wrap:wrap;gap:6px 14px;margin-top:10px;font-size:13px;color:var(--muted)}
.inc-m span{display:inline-flex;align-items:center;gap:5px}
.inc-m b{color:#0A2751}
.inc-code::before{content:"код ";font-weight:400;color:var(--muted)}
/* самопроверка по признакам (/115-fz/) */
.sc{background:#fff;border:1px solid var(--border);border-radius:16px;box-shadow:0 6px 22px rgba(10,39,81,.09);margin:22px 0;overflow:hidden}
.sc-top{padding:20px 22px 14px;background:linear-gradient(135deg,#EAF1FB 0%,#fff 70%);border-bottom:1px solid var(--border);display:grid;grid-template-columns:auto 1fr;column-gap:10px;align-items:center}
.sc-top>b{font-size:19px;color:#0A2751}.sc-top>.ic{color:#013D9F}
.sc-top p{grid-column:1/-1;margin:6px 0 0;color:var(--muted);font-size:14.5px}
.sc-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;padding:18px 22px}
.sc-it{position:relative;display:flex;gap:12px;align-items:flex-start;border:1.5px solid var(--border);border-radius:12px;padding:13px 14px;cursor:pointer;font-size:15px;line-height:1.45;transition:all .18s;min-height:44px}
.sc-it:hover{border-color:#1A5CFF}
.sc-it input{position:absolute;opacity:0;width:1px;height:1px}
.sc-box{flex:0 0 24px;height:24px;border:2px solid #CBD5E1;border-radius:7px;display:flex;align-items:center;justify-content:center;color:transparent;transition:all .18s;margin-top:1px}
.sc-it input:checked+.sc-box{background:#013D9F;border-color:#013D9F;color:#fff}
.sc-it:has(input:checked){border-color:#013D9F;background:#F4F8FF}
.sc-it input:focus-visible+.sc-box{box-shadow:0 0 0 4px rgba(26,92,255,.2)}
.sc-out{margin:0 22px 22px;padding:16px 18px;border-radius:12px;border-left:5px solid #2E7D32;background:#EAF7EF}
.sc-out.warn{border-left-color:#C98A1E;background:#FDF4E3}
.sc-out.bad{border-left-color:#B3261E;background:#FDECEA}
.sc-out b{font-size:17px;color:#0A2751}.sc-out p{margin:6px 0 10px;font-size:15px}
.sc-out .btn{display:inline-flex;min-height:44px;align-items:center}
@media(max-width:760px){.sc-list{grid-template-columns:minmax(0,1fr);padding:14px}.sc-top{padding-left:14px;padding-right:14px}.sc-out{margin:0 14px 16px}}
.inc-empty{margin:0 22px 22px;padding:14px 16px;border-radius:12px;background:#FDF4E3;font-size:14.5px}
@media(max-width:760px){
  .inc-list{grid-template-columns:minmax(0,1fr);padding:0 14px 16px}
  .inc-top,.inc-bar{padding-left:14px;padding-right:14px}
  .inc-count{margin-left:14px;margin-right:14px}
  .inc-h{flex-direction:column;gap:6px}
  .inc-chips button{font-size:13.5px;padding:8px 12px}
}
.constr [data-items]{display:grid;gap:12px;grid-column:1/-1}
.doc-it{border:1px solid var(--border);border-radius:10px;padding:14px 14px 12px;
  background:#F9FBFE;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.doc-it-h{grid-column:1/-1;display:flex;align-items:center;justify-content:space-between;
  gap:10px;font-weight:700;color:var(--brand-dark);font-size:15px}
.doc-it-h b{display:inline-flex;align-items:center;justify-content:center;width:26px;height:26px;
  border-radius:50%;background:var(--brand);color:#fff;font-size:13.5px;margin-right:8px}
.doc-it-del{border:1px solid var(--border);background:#fff;color:var(--muted);border-radius:8px;
  padding:8px 12px;min-height:38px;font:inherit;font-size:14px;cursor:pointer}
.doc-it-del:hover{color:var(--bad);border-color:var(--bad)}
.doc-it .fld-wide{grid-column:1/-1}
.constr .doc-add{grid-column:1/-1;justify-self:start;min-height:44px}
.constr .doc-add[disabled]{opacity:.45;cursor:not-allowed}
@media (max-width:720px){
  .doc-it{grid-template-columns:minmax(0,1fr)}
}

/* Строка «Что сверит банк» под образцом */
.p-check{display:flex;align-items:flex-start;gap:8px;margin:-4px 0 18px;
  padding:9px 13px;font-size:15px;line-height:1.5;color:var(--text);
  background:#F4F7FC;border-left:3px solid var(--brand);border-radius:0 8px 8px 0}
.p-check .ic{flex:0 0 16px;margin-top:3px;color:var(--brand)}

/* Документ растёт с числом операций: на десктопе даём ему высоту экрана */
@media (min-width:721px){
  .constr-side .doc{max-height:min(760px,calc(100vh - 210px))}
}
.lim-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;padding:18px 22px 6px}
.lim-f{display:flex;flex-direction:column;gap:6px;font-size:14.5px;color:#0A2751;font-weight:600}
.lim-f span{font-weight:400;color:var(--muted);font-size:13px}
.lim-f input{min-height:46px;border:1.5px solid var(--border);border-radius:10px;padding:0 12px;font-size:17px;font-variant-numeric:tabular-nums}
.gl-list{margin:4px 22px 18px}.gl-list details summary{font-weight:600}
@media(max-width:760px){.gl-list{margin:4px 14px 14px}}
.bf{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0 16px}
.bf-p{min-height:40px;padding:0 16px;border-radius:20px;border:1.5px solid var(--border);background:#fff;color:#0A2751;font-weight:600;font-size:14.5px;cursor:pointer}
.bf-p[aria-pressed="true"]{background:#013D9F;border-color:#013D9F;color:#fff}
.bl-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:0 0 22px}
.bl-card{display:grid;grid-template-columns:120px 1fr;gap:14px;background:#fff;border:1px solid var(--border);border-radius:14px;padding:14px;box-shadow:0 4px 16px rgba(10,39,81,.06)}
.bl-card img{width:120px;height:auto;border:1px solid var(--border);border-radius:6px;background:#fff}
.bl-body h3{font-size:16px;margin:6px 0 6px;line-height:1.3}.bl-body p{font-size:14px;margin:0 0 10px;color:var(--muted)}
.bl-tag{display:inline-block;font-size:13px;font-weight:700;color:#013D9F;background:#EAF1FB;border-radius:10px;padding:2px 9px}
.bl-dl{display:flex;flex-wrap:wrap;gap:8px}.bl-dl .btn{min-height:40px;font-size:14px;padding:0 12px;display:inline-flex;align-items:center;gap:6px}
.bl-more{display:inline-block;margin-top:10px;font-size:14px;font-weight:600}
@media(max-width:760px){.bl-grid{grid-template-columns:minmax(0,1fr)}.bl-card{grid-template-columns:84px 1fr;gap:10px;padding:12px}.bl-card img{width:84px}}
.lim-f select{min-height:46px;border:1.5px solid var(--border);border-radius:10px;padding:0 10px;font-size:15px;background:#fff;color:#0A2751;max-width:100%}
.lim-f input:focus{outline:none;border-color:#1A5CFF;box-shadow:0 0 0 4px rgba(26,92,255,.15)}
.lim-bar{margin:14px 22px 4px;height:14px;border-radius:8px;background:#EEF2F7;overflow:hidden;display:flex}
.lim-used{background:#013D9F;transition:width .25s}.lim-plan{background:#D9A03C;transition:width .25s}
.lim-leg{display:flex;flex-wrap:wrap;gap:6px 18px;margin:6px 22px 14px;font-size:13px;color:var(--muted)}
.lim-leg i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:-1px}
@media(max-width:760px){.lim-grid{grid-template-columns:minmax(0,1fr);padding:14px}.lim-bar,.lim-leg{margin-left:14px;margin-right:14px}}
.cp-pre{white-space:pre-wrap;background:var(--brand-soft,#eef3ff);border:1px solid var(--border,#e3e7ee);border-radius:10px;padding:12px 14px;font-size:14px;margin:10px 0 12px;overflow-wrap:anywhere}
.rt-res p{margin:.4em 0}
.sc>.lim-f,.sc>.rt-res,.sc>.cp-pre{margin:10px 16px}
.sc>.rt-res{padding-bottom:6px}
.sc>.btn{margin:0 8px 16px 16px}
.sc>.lim-f select{width:100%}