@import url('https://fonts.googleapis.com/css2?family=Open+Sans:wght@400;600;700&display=swap');

:root {
  --primary: #1565C0;
  --primary-dark: #0D47A1;
  --primary-light: #42A5F5;
  --accent: #43A047;
  --accent-dark: #2E7D32;
  --accent-light: #66BB6A;
  --text: #212121;
  --text-secondary: #616161;
  --bg-white: #ffffff;
  --bg-gray: #F5F7FA;
  --bg-dark: #1B2838;
  --bg-dark-lighter: #243447;
  --border: #E0E0E0;
  --shadow: 0 2px 8px rgba(0,0,0,0.08);
  --shadow-lg: 0 4px 20px rgba(0,0,0,0.12);
  --radius: 8px;
  --radius-lg: 12px;
  --max-width: 1200px;
  --transition: 0.3s ease;
}

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: 'Open Sans', Arial, sans-serif;
  color: var(--text);
  background: var(--bg-white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; }
a { color: var(--primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--primary-dark); }
ul, ol { padding-left: 1.5em; }

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

/* ===== HEADER / NAV ===== */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--bg-white);
  box-shadow: 0 1px 4px rgba(0,0,0,0.06);
  transition: box-shadow var(--transition);
}

.header.scrolled {
  box-shadow: 0 2px 12px rgba(0,0,0,0.1);
}

.header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--primary);
  white-space: nowrap;
}

.logo svg {
  width: 32px;
  height: 32px;
  flex-shrink: 0;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 24px;
  list-style: none;
  padding: 0;
}

.nav-links a {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text);
  padding: 4px 0;
  position: relative;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--primary);
  transition: width var(--transition);
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

.nav-links a:hover { color: var(--primary); }

.burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  background: none;
  border: none;
}

.burger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text);
  transition: all var(--transition);
  border-radius: 2px;
}

.burger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.burger.active span:nth-child(2) { opacity: 0; }
.burger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

@media (max-width: 900px) {
  .burger { display: flex; }
  .nav-links {
    position: fixed;
    top: 64px;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--bg-white);
    flex-direction: column;
    padding: 30px 20px;
    gap: 16px;
    transform: translateX(100%);
    transition: transform var(--transition);
    overflow-y: auto;
  }
  .nav-links.open { transform: translateX(0); }
  .nav-links a { font-size: 1.05rem; }
}

/* ===== HERO (card-form style) ===== */
.hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: #fff;
  padding: 60px 0 70px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: rgba(255,255,255,0.04);
  border-radius: 50%;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 400px;
  height: 400px;
  background: rgba(255,255,255,0.03);
  border-radius: 50%;
}

.hero .container {
  position: relative;
  z-index: 1;
}

.hero h1 {
  font-size: 2.2rem;
  font-weight: 700;
  line-height: 1.3;
  margin-bottom: 16px;
  max-width: 700px;
}

.hero p {
  font-size: 1.1rem;
  opacity: 0.92;
  max-width: 600px;
  margin-bottom: 30px;
  line-height: 1.7;
}

.hero-card {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
  max-width: 560px;
  color: var(--text);
}

.hero-card h2 {
  font-size: 1.25rem;
  margin-bottom: 20px;
  color: var(--primary);
}

/* ===== BREADCRUMBS ===== */
.breadcrumbs {
  padding: 14px 0;
  font-size: 0.85rem;
  color: var(--text-secondary);
  background: var(--bg-gray);
}

.breadcrumbs a { color: var(--primary); }
.breadcrumbs span { margin: 0 6px; }

/* ===== SECTIONS ===== */
.section {
  padding: 60px 0;
}

.section-white { background: var(--bg-white); }
.section-gray { background: var(--bg-gray); }

.section-title {
  font-size: 1.7rem;
  font-weight: 700;
  margin-bottom: 16px;
  color: var(--text);
  line-height: 1.35;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-secondary);
  margin-bottom: 40px;
  max-width: 700px;
}

h2 { font-size: 1.5rem; font-weight: 700; margin-bottom: 14px; line-height: 1.35; }
h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 10px; line-height: 1.4; }
h4 { font-size: 1.05rem; font-weight: 700; margin-bottom: 8px; }

p { margin-bottom: 14px; }
p:last-child { margin-bottom: 0; }

/* ===== CARDS (large icon) ===== */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 24px;
}

.card {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
  display: flex;
  flex-direction: column;
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.card-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  font-size: 1.6rem;
}

.card-icon.blue { background: rgba(21,101,192,0.1); color: var(--primary); }
.card-icon.green { background: rgba(67,160,71,0.1); color: var(--accent); }
.card-icon.orange { background: rgba(245,124,0,0.1); color: #F57C00; }
.card-icon.purple { background: rgba(126,87,194,0.1); color: #7E57C2; }

.card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.card p { font-size: 0.92rem; color: var(--text-secondary); flex-grow: 1; }
.card .card-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: 14px;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--primary);
}

/* ===== BUTTONS ===== */
.cta-button {
  display: inline-block;
  padding: 14px 32px;
  background: var(--accent);
  color: #fff;
  font-size: 1rem;
  font-weight: 600;
  border-radius: 10px;
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  text-align: center;
}

.cta-button:hover {
  background: var(--accent-dark);
  color: #fff;
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(67,160,71,0.35);
}

.cta-button-outline {
  display: inline-block;
  padding: 12px 28px;
  background: transparent;
  color: var(--primary);
  font-size: 1rem;
  font-weight: 600;
  border: 2px solid var(--primary);
  border-radius: 10px;
  cursor: pointer;
  transition: all var(--transition);
}

.cta-button-outline:hover {
  background: var(--primary);
  color: #fff;
}

.btn-primary {
  display: inline-block;
  padding: 14px 32px;
  background: var(--primary);
  color: #fff;
  font-size: 1rem;
  font-weight: 600;
  border-radius: 10px;
  border: none;
  cursor: pointer;
  transition: all var(--transition);
}

.btn-primary:hover {
  background: var(--primary-dark);
  color: #fff;
  transform: translateY(-1px);
}

/* ===== FORMS ===== */
.form-group {
  margin-bottom: 16px;
}

.form-group label {
  display: block;
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--text);
}

.form-group input,
.form-group select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-size: 0.95rem;
  font-family: inherit;
  transition: border-color var(--transition);
  background: var(--bg-white);
}

.form-group input:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(21,101,192,0.12);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

@media (max-width: 500px) {
  .form-row { grid-template-columns: 1fr; }
}

/* ===== CALCULATOR RESULTS ===== */
.calc-results {
  margin-top: 24px;
  display: none;
}

.calc-results.show { display: block; }

.calc-results h3 {
  color: var(--accent);
  margin-bottom: 14px;
}

.benefit-item {
  background: var(--bg-gray);
  border-left: 4px solid var(--accent);
  padding: 14px 18px;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin-bottom: 10px;
}

.benefit-item h4 {
  margin-bottom: 4px;
  font-size: 0.95rem;
}

.benefit-item p {
  font-size: 0.88rem;
  color: var(--text-secondary);
  margin: 0;
}

/* ===== FAQ ACCORDION ===== */
.faq-list {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 10px;
  overflow: hidden;
  background: var(--bg-white);
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 20px;
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  gap: 12px;
  user-select: none;
  transition: background var(--transition);
}

.faq-question:hover { background: var(--bg-gray); }

.faq-question::after {
  content: '+';
  font-size: 1.3rem;
  font-weight: 400;
  color: var(--primary);
  flex-shrink: 0;
  transition: transform var(--transition);
}

.faq-item.open .faq-question::after {
  content: '−';
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
}

.faq-item.open .faq-answer {
  max-height: 600px;
}

.faq-answer-inner {
  padding: 0 20px 18px;
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.7;
}

/* ===== TABLES ===== */
.table-wrapper {
  overflow-x: auto;
  margin: 20px 0;
}

table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.92rem;
}

thead th {
  background: var(--primary);
  color: #fff;
  padding: 12px 16px;
  text-align: left;
  font-weight: 600;
}

tbody td {
  padding: 10px 16px;
  border-bottom: 1px solid var(--border);
}

tbody tr:nth-child(even) { background: var(--bg-gray); }
tbody tr:hover { background: rgba(21,101,192,0.04); }

/* ===== STEPS ===== */
.steps {
  counter-reset: step-counter;
}

.step {
  display: flex;
  gap: 20px;
  margin-bottom: 28px;
  align-items: flex-start;
}

.step-num {
  counter-increment: step-counter;
  width: 44px;
  height: 44px;
  min-width: 44px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  font-size: 1.1rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
}

.step-content h3 { margin-bottom: 6px; }
.step-content p { font-size: 0.95rem; color: var(--text-secondary); }

/* ===== INFO BOX ===== */
.info-box {
  background: rgba(21,101,192,0.06);
  border-left: 4px solid var(--primary);
  padding: 18px 22px;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 20px 0;
  font-size: 0.95rem;
}

.info-box.warning {
  background: rgba(245,124,0,0.06);
  border-color: #F57C00;
}

.info-box.success {
  background: rgba(67,160,71,0.06);
  border-color: var(--accent);
}

.info-box strong { display: block; margin-bottom: 4px; }

/* ===== CTA SECTION ===== */
.cta-section {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: #fff;
  padding: 50px 0;
  text-align: center;
}

.cta-section h2 { color: #fff; margin-bottom: 12px; }
.cta-section p { opacity: 0.92; margin-bottom: 24px; max-width: 600px; margin-left: auto; margin-right: auto; }

/* ===== RSY AD PLACEHOLDER ===== */
.ad-block {
  padding: 20px 0;
  text-align: center;
  min-height: 100px;
}

/* ===== FOOTER ===== */
.footer {
  background: var(--bg-dark);
  color: rgba(255,255,255,0.75);
  padding: 50px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
  padding-bottom: 40px;
}

.footer-col h4 {
  color: #fff;
  font-size: 1rem;
  margin-bottom: 16px;
}

.footer-col ul {
  list-style: none;
  padding: 0;
}

.footer-col li { margin-bottom: 8px; }

.footer-col a {
  color: rgba(255,255,255,0.65);
  font-size: 0.9rem;
  transition: color var(--transition);
}

.footer-col a:hover { color: #fff; }

.footer-col p {
  font-size: 0.88rem;
  line-height: 1.65;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 20px 0;
  text-align: center;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
}

.footer-bottom p { margin-bottom: 6px; }

@media (max-width: 768px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 24px;
  }
}

@media (max-width: 480px) {
  .footer-grid {
    grid-template-columns: 1fr;
  }
}

/* ===== ANIMATIONS ===== */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ===== CONTENT ===== */
.content {
  max-width: 820px;
}

.content h2 { margin-top: 36px; }
.content h3 { margin-top: 24px; }
.content ul, .content ol { margin-bottom: 14px; }
.content li { margin-bottom: 6px; }

.two-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

@media (max-width: 640px) {
  .two-cols { grid-template-columns: 1fr; }
}

/* ===== INTERNAL PAGE HERO ===== */
.page-hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: #fff;
  padding: 40px 0 44px;
}

.page-hero h1 {
  font-size: 2rem;
  font-weight: 700;
  line-height: 1.3;
  margin-bottom: 10px;
}

.page-hero p {
  font-size: 1.05rem;
  opacity: 0.9;
  max-width: 650px;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 768px) {
  .hero { padding: 40px 0 50px; }
  .hero h1, .page-hero h1 { font-size: 1.6rem; }
  .section { padding: 40px 0; }
  .section-title { font-size: 1.4rem; }
  .hero-card { padding: 24px 20px; }
  .cards-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .hero h1, .page-hero h1 { font-size: 1.35rem; }
  .container { padding: 0 16px; }
  h2 { font-size: 1.25rem; }
}

/* ===== SIDEBAR NAV ON ARTICLES ===== */
.article-layout {
  display: grid;
  grid-template-columns: 1fr 280px;
  gap: 40px;
  align-items: start;
}

.sidebar {
  position: sticky;
  top: 80px;
}

.sidebar-nav {
  background: var(--bg-white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 20px;
}

.sidebar-nav h4 {
  font-size: 0.9rem;
  color: var(--text-secondary);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 12px;
}

.sidebar-nav ul {
  list-style: none;
  padding: 0;
}

.sidebar-nav li {
  margin-bottom: 6px;
}

.sidebar-nav a {
  font-size: 0.88rem;
  color: var(--text-secondary);
  display: block;
  padding: 4px 0;
}

.sidebar-nav a:hover {
  color: var(--primary);
}

.sidebar-cta {
  margin-top: 20px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  border-radius: var(--radius);
  padding: 22px 18px;
  color: #fff;
  text-align: center;
}

.sidebar-cta h4 { color: #fff; margin-bottom: 8px; }
.sidebar-cta p { font-size: 0.85rem; opacity: 0.9; margin-bottom: 14px; }
.sidebar-cta .cta-button { width: 100%; padding: 10px 16px; font-size: 0.9rem; }

@media (max-width: 900px) {
  .article-layout {
    grid-template-columns: 1fr;
  }
  .sidebar { display: none; }
}

/* ===== CALCULATOR (ZHK) ===== */
.calc-card {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-lg);
  margin: 24px 0;
}

.calc-card h3 {
  color: var(--primary);
  margin-bottom: 18px;
}

.calc-result-box {
  background: var(--bg-gray);
  border-radius: var(--radius);
  padding: 20px;
  text-align: center;
  margin-top: 18px;
  display: none;
}

.calc-result-box.show { display: block; }

.calc-result-box .amount {
  font-size: 2rem;
  font-weight: 700;
  color: var(--accent);
}

.calc-result-box .label {
  font-size: 0.9rem;
  color: var(--text-secondary);
  margin-top: 4px;
}

/* ===== TAGS / BADGES ===== */
.badge {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 20px;
  font-size: 0.78rem;
  font-weight: 600;
}

.badge-blue { background: rgba(21,101,192,0.1); color: var(--primary); }
.badge-green { background: rgba(67,160,71,0.1); color: var(--accent); }
.badge-orange { background: rgba(245,124,0,0.1); color: #F57C00; }