:root{--bg:#f5f8fc;--surface:#fff;--text:#121826;--muted:#5a6475;--line:#d9e2ef;--brand:#0b57d0;--brand-2:#3f8cff;--dark:#0c1322;--ok:#107a4f;--radius:16px;--shadow:0 10px 28px rgba(10,22,45,.08)}*{box-sizing:border-box}html,body{margin:0;padding:0}body{font-family:Segoe UI,Inter,Arial,sans-serif;background:linear-gradient(180deg,#f8fbff,#eef3fb);color:var(--text);line-height:1.65}img{max-width:100%;height:auto;display:block}a{color:var(--brand);text-decoration:none}a:hover{text-decoration:underline}.container{width:min(1120px,92%);margin:auto}.topbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.9);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;padding:12px 0;gap:14px}.brand{display:flex;align-items:center;gap:10px;font-weight:700;color:var(--dark)}.brand img{width:34px;height:34px;border-radius:10px}.menu{display:flex;flex-wrap:wrap;gap:14px;list-style:none;margin:0;padding:0}.menu a{color:#283141;font-weight:600;font-size:.95rem}.hero{padding:72px 0 44px}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:28px;align-items:center}.eyebrow{display:inline-block;padding:6px 12px;border:1px solid #bfd5fb;background:#e9f2ff;color:#184b9b;border-radius:999px;font-size:.82rem;font-weight:700}.hero h1{font-size:clamp(1.9rem,4vw,3rem);line-height:1.15;margin:14px 0 12px}.hero p{font-size:1.05rem;color:var(--muted);max-width:62ch}.btns{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.btn{display:inline-block;padding:11px 17px;border-radius:12px;border:1px solid transparent;font-weight:700}.btn-primary{background:var(--brand);color:#fff}.btn-primary:hover{background:#0848b4;text-decoration:none}.btn-soft{background:#fff;border-color:var(--line);color:#21304e}.hero-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}.hero-card figcaption{padding:10px 14px;color:var(--muted);font-size:.9rem}.section{padding:56px 0}.section h2{font-size:clamp(1.4rem,3vw,2.05rem);margin:0 0 10px}.lead{color:var(--muted);max-width:76ch}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:20px}.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;box-shadow:0 2px 10px rgba(22,42,76,.04)}.card h3{margin:0 0 8px;font-size:1.05rem}.points{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px}.point{border-left:4px solid var(--brand-2);padding:8px 10px;background:#fff;border-radius:10px;border:1px solid var(--line)}details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px}details+details{margin-top:10px}summary{cursor:pointer;font-weight:700}.cta{background:linear-gradient(120deg,#0d1f40,#122e61 70%,#17438d);color:#f0f6ff;border-radius:18px;padding:24px;border:1px solid #2e4f8f;box-shadow:var(--shadow)}.cta p{color:#d4e3ff}.cta .btn-soft{background:#ffffff12;color:#f0f6ff;border-color:#a9c6ff66}.cluster{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}.cluster a{display:inline-flex;padding:8px 12px;border-radius:999px;border:1px solid var(--line);background:#fff;color:#27324b;font-weight:600}.cluster a:hover{text-decoration:none;background:#eef4ff;border-color:#b8cdf3}footer{padding:26px 0 38px;color:#6a7587;font-size:.92rem}.breadcrumb{font-size:.9rem;color:#5e6a80;margin:16px 0}.article-hero{padding:36px 0 12px}.article-hero h1{margin:8px 0 8px;font-size:clamp(1.6rem,3vw,2.3rem)}.article-banner{border-radius:16px;overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow);margin:18px 0 20px}.article{display:grid;grid-template-columns:1fr;gap:18px}.article p{margin:0;color:#2b364a}.kpi{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.kpi .card{padding:14px}.kpi b{font-size:1.2rem;color:#0f2350}.back-home{margin-top:8px;display:inline-block}.skip{position:absolute;left:-9999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;border:1px solid var(--line);z-index:100}@media (max-width:900px){.hero-grid,.grid-3,.points,.kpi{grid-template-columns:1fr}.menu{gap:8px}.hero{padding-top:48px}}