*,*::before,*::after{box-sizing:border-box}
html,body{margin:0}
img,svg{max-width:100%}
[hidden]{display:none!important}
:root{padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px)}

/* Layout: compact sticky masthead (hamburger menu under 860px), hash-routed views. Voroneț blue for structure, gold for money moments. */
:root{
  --bg:#f5f6fa; --surface:#ffffff; --ink:#15213b; --muted:#56607a; --line:#dde2ec; --soft:#eef1f8;
  --blue:#1d4ed8; --blue-deep:#13307f; --gold:#e0a526; --gold-soft:#fdf3d9; --good:#12805c; --warn:#a33c12;
  --f-display:"Bricolage Grotesque",ui-sans-serif,system-ui,sans-serif;
  --f-body:"Atkinson Hyperlegible",ui-sans-serif,system-ui,sans-serif;
  --f-mono:"JetBrains Mono",ui-monospace,Menlo,monospace;
  --fs:18px; --head:64px;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --bg:#0d1324; --surface:#151d33; --ink:#e9edf7; --muted:#a1abc3; --line:#27314c; --soft:#1a2340;
  --blue:#86a6ff; --blue-deep:#0f1d4a; --gold:#f0b93f; --gold-soft:#2c2412; --good:#4cc79a; --warn:#ff9a6b; color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0d1324; --surface:#151d33; --ink:#e9edf7; --muted:#a1abc3; --line:#27314c; --soft:#1a2340;
  --blue:#86a6ff; --blue-deep:#0f1d4a; --gold:#f0b93f; --gold-soft:#2c2412; --good:#4cc79a; --warn:#ff9a6b; color-scheme:dark}

*{box-sizing:border-box}
html{scroll-padding-top:calc(var(--head) + 16px)}
body{background:var(--bg);color:var(--ink);font:17px/1.6 var(--f-body);-webkit-text-size-adjust:100%}
.wrap{max-width:1120px;margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
h1,h2,h3{font-family:var(--f-display);line-height:1.15;text-wrap:balance;margin:0;font-weight:700}
p{margin:0}
a{color:var(--blue)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-9999px;top:8px;z-index:60;background:#fff;color:#13307f;padding:10px 14px;border-radius:8px;font-weight:700}
.skip:focus{left:16px}
.muted{color:var(--muted)}

/* ── Masthead ── */
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:30;background:#13307f}
.mast{background:#13307f;color:#fff;position:sticky;top:env(safe-area-inset-top,0px);z-index:20}
.top{display:flex;align-items:center;gap:12px;min-height:var(--head);padding-block:8px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font:800 23px/1 var(--f-display);letter-spacing:-.01em}
.logo svg{flex:none;width:44px;height:41px}
.logo small{display:block;font:400 12.5px/1.2 var(--f-body);color:#c6d3ff;margin-top:4px;letter-spacing:0}
.search{margin-left:auto;flex:0 1 340px;position:relative}
.search input{width:100%;min-width:0;padding:11px 12px 11px 40px;border:0;border-radius:10px;font:inherit;font-size:16px;background:#fff;color:#15213b;color-scheme:light}
.search .i{position:absolute;left:12px;top:50%;transform:translateY(-50%);width:18px;height:18px;color:#56607a;pointer-events:none}
.icon-btn{display:none;align-items:center;justify-content:center;gap:6px;min-height:44px;min-width:44px;padding:0 12px;border-radius:10px;border:1px solid rgba(255,255,255,.28);background:transparent;color:#fff;font:700 15px var(--f-body);cursor:pointer}
.icon-btn svg{width:20px;height:20px}
.menu{border-top:1px solid rgba(255,255,255,.14)}
.menu ul{list-style:none;margin:0;padding:6px 0;display:flex;flex-wrap:wrap;gap:2px}
.menu a{display:flex;align-items:center;gap:7px;color:#e6ecff;text-decoration:none;font-weight:700;font-size:14.5px;padding:8px 10px;border-radius:8px}
.menu a:hover{background:rgba(255,255,255,.1)}
.menu a svg{width:17px;height:17px;opacity:.85;flex:none}
.menu a[aria-current="page"]{background:#e0a526;color:#13307f}
.menu .m-desc{display:none}
.menu .m-extra{display:none}

/* ── Buttons, cards ── */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;border:0;border-radius:10px;background:#e0a526;color:#13307f;font:700 16px var(--f-body);cursor:pointer;text-decoration:none}
.btn:hover{background:#f0b93f}
.card{background:var(--surface);border:1px solid var(--line);border-radius:14px}
.ico{width:44px;height:44px;border-radius:12px;background:var(--gold-soft);color:var(--blue-deep);display:grid;place-items:center;flex:none}
:root[data-theme="dark"] .ico{color:var(--gold)}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .ico{color:var(--gold)}}
.ico svg{width:24px;height:24px}
.crumbs{font-size:15px;color:var(--muted);padding-top:20px;display:flex;flex-wrap:wrap;gap:6px}
.crumbs a{color:var(--muted)}

/* ── Home ── */
.hero{padding-block:40px 32px;display:grid;grid-template-columns:1.25fr 1fr;gap:44px;align-items:start}
.hero h1{font-size:clamp(32px,5vw,54px);font-weight:800;letter-spacing:-.02em}
.hero h1 em{font-style:normal;background:linear-gradient(transparent 64%,var(--gold) 64%);padding:0 .06em}
.hero .lede{font-size:19px;color:var(--muted);max-width:50ch;margin:14px 0 26px}
.tasks h2{font:700 17px var(--f-body);margin-bottom:12px}
.tasks ul{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.tasks a{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:56px;height:100%;padding:12px 14px;background:var(--surface);border:1px solid var(--line);border-radius:12px;color:var(--ink);text-decoration:none;font-weight:700;font-size:15.5px;line-height:1.3;transition:border-color .15s}
.tasks a:hover{border-color:var(--blue)}
.chev{width:18px;height:18px;flex:none;color:var(--blue)}
.wins{padding:22px 22px 10px}
.wins h2{font-size:20px;margin-bottom:4px}
.wins > p{font-size:15px;color:var(--muted);margin-bottom:8px}
.wins ol{list-style:none;margin:0;padding:0}
.wins li + li{border-top:1px solid var(--line)}
.wins a{display:grid;grid-template-columns:auto 1fr auto;gap:12px;align-items:center;padding:14px 0;color:inherit;text-decoration:none}
.wins a:hover strong{color:var(--blue)}
.wins .tag{font:700 13px/1 var(--f-body);background:var(--gold-soft);color:var(--ink);padding:7px 0;border-radius:8px;width:56px;text-align:center}
.wins strong{display:block;font-size:16px;line-height:1.3}
.wins span.d{display:block;color:var(--muted);font-size:14.5px;line-height:1.4;margin-top:2px}

section.block{padding-block:36px}
.sec-head{margin-bottom:20px;display:flex;justify-content:space-between;align-items:end;gap:16px;flex-wrap:wrap}
.sec-head h2{font-size:clamp(24px,3vw,32px)}
.sec-head p{margin-top:6px;color:var(--muted);max-width:60ch}
.sections{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.sec-tile{padding:18px;text-decoration:none;color:inherit;display:flex;flex-direction:column;gap:10px;min-width:0;transition:border-color .15s,transform .15s}
.sec-tile:hover{border-color:var(--blue);transform:translateY(-2px)}
.sec-tile h3{font-size:18px}
.sec-tile p{font-size:14.5px;color:var(--muted);line-height:1.45}
.sec-tile .n{margin-top:auto;font-size:13.5px;font-weight:700;color:var(--blue)}

.feat{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.art-card{padding:20px;display:flex;flex-direction:column;gap:8px;text-decoration:none;color:inherit;min-width:0}
.art-card:hover h3{color:var(--blue)}
.art-card .tag{font-size:13.5px;font-weight:700;color:var(--blue)}
.art-card h3{font-size:19px}
.art-card p{color:var(--muted);font-size:15px;line-height:1.5}
.art-card .meta{margin-top:auto;padding-top:6px;font-size:13.5px;color:var(--muted)}

.news{background:#13307f;color:#fff;border-radius:18px;padding:32px;display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:center;margin-block:12px 40px}
.news h2{font-size:clamp(22px,3vw,30px)}
.news p{color:#c9d5ff;margin-top:8px}
.signup{display:flex;gap:8px;flex-wrap:wrap}
.signup input{flex:1 1 220px;min-width:0;min-height:48px;padding:0 14px;border:0;border-radius:10px;font:inherit;font-size:16px;background:#fff;color:#15213b;color-scheme:light}
.note{font-size:14px;color:#c9d5ff;margin-top:10px}
.note.ok{color:#9ff0cf;font-weight:700}

/* ── Section page ── */
.page-head{padding-block:14px 26px;display:flex;gap:16px;align-items:flex-start}
.page-head .ico{width:56px;height:56px;border-radius:14px}
.page-head .ico svg{width:30px;height:30px}
.page-head h1{font-size:clamp(28px,4.4vw,44px);font-weight:800}
.page-head p{color:var(--muted);font-size:18px;margin-top:8px;max-width:62ch}
.glist{display:grid;gap:10px;margin-bottom:40px}
.grow{display:grid;grid-template-columns:1fr auto;gap:4px 16px;align-items:center;padding:16px 18px;text-decoration:none;color:inherit;transition:border-color .15s}
.grow:hover{border-color:var(--blue)}
.grow:hover h3{color:var(--blue)}
.grow h3{font-size:18px}
.grow p{grid-column:1;color:var(--muted);font-size:15px;line-height:1.5}
.grow .t{grid-column:1;font-size:13.5px;color:var(--muted)}
.grow .chev{grid-column:2;grid-row:1/4}

/* ── Article ── */
.art{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:56px;padding-block:6px 48px}
.art-head h1{font-size:clamp(28px,4.2vw,44px);font-weight:800;margin-top:10px}
.art-head .lede{font-size:clamp(18px,2.2vw,20px);color:var(--muted);margin:14px 0 18px;max-width:58ch;line-height:1.55}
.meta-row{display:flex;flex-wrap:wrap;align-items:center;gap:8px 18px;padding-block:10px;border-block:1px solid var(--line);font-size:14.5px;color:var(--muted)}
.fs-ctrl{margin-left:auto;display:flex;align-items:center;gap:6px}
.fs-ctrl span{font-size:14px}
.fs-ctrl button{min-width:44px;min-height:40px;border:1px solid var(--line);background:var(--surface);color:var(--ink);border-radius:8px;font:700 15px var(--f-body);cursor:pointer}
.fs-ctrl button:disabled{opacity:.4;cursor:default}
.toc-m{margin-top:16px}
.toc-m summary{cursor:pointer;font-weight:700;padding:12px 14px;border:1px solid var(--line);border-radius:10px;background:var(--surface);list-style:none;display:flex;justify-content:space-between;align-items:center}
.toc-m summary::-webkit-details-marker{display:none}
.toc-m[open] summary{border-radius:10px 10px 0 0}
.toc-m ol{margin:0;padding:6px 14px 10px 34px;border:1px solid var(--line);border-top:0;border-radius:0 0 10px 10px;background:var(--surface)}
.toc-m li a{display:block;padding:7px 0;font-size:15.5px;line-height:1.35}
.prose{font-size:var(--fs);line-height:1.7;max-width:68ch;padding-top:8px}
.prose h2{font-size:1.38em;margin:1.7em 0 .5em}
.prose p,.prose ul,.prose ol{margin:0 0 1em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.45em}
.prose li::marker{color:var(--blue)}
.box{border-radius:12px;padding:16px 18px;margin:1.2em 0;font-size:.95em;line-height:1.6}
.box.tip{background:var(--gold-soft);border-left:4px solid var(--gold)}
.box.alert{background:var(--soft);border-left:4px solid var(--warn)}
.box.alert b{color:var(--warn)}
.box p{margin:0}
.verify{font-size:.88em;color:var(--muted)}
.tbl{overflow-x:auto;margin:1.2em 0;border:1px solid var(--line);border-radius:12px;background:var(--surface)}
.tbl table{border-collapse:collapse;width:100%;font-size:.92em}
.tbl th,.tbl td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top;line-height:1.5}
.tbl tr:last-child td{border-bottom:0}
.tbl th{font-size:.85em;color:var(--muted);font-weight:700;background:var(--soft)}
.tbl td:first-child{font-weight:700;white-space:nowrap}
.side{display:grid;gap:16px;align-content:start;position:sticky;top:calc(var(--head) + 52px)}
.side .card{padding:18px}
.side-h{font:700 16px var(--f-body);margin-bottom:8px}
.side ol,.side ul{margin:0;padding:0;list-style:none}
.side li + li{border-top:1px solid var(--line)}
.side li a{display:block;padding:8px 0;font-size:15px;line-height:1.35;text-decoration:none}
.side li a:hover{text-decoration:underline}

.next{display:grid;grid-template-columns:1fr auto;gap:2px 16px;align-items:center;margin-top:32px;padding:18px 20px;text-decoration:none;color:inherit;max-width:68ch}
.next:hover{border-color:var(--blue)}
.next span{font-size:14px;color:var(--muted)}
.next strong{font:700 19px/1.3 var(--f-display);color:var(--ink)}
.next .chev{grid-row:1/3;grid-column:2}
.ph{background:var(--gold-soft);border:1px dashed var(--gold);border-radius:4px;padding:0 4px;font-family:var(--f-mono);font-size:.88em}

/* Calculator */
.calc{background:#13307f;color:#fff;border-radius:14px;padding:20px;display:grid;gap:14px;margin:1.4em 0;font-size:16px}
.calc h3{font-size:19px}
.calc .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.calc label{display:grid;gap:6px;font-size:15px;font-weight:700;min-width:0;line-height:1.3}
.calc input{width:100%;min-height:48px;padding:0 12px;border:0;border-radius:10px;font:500 17px var(--f-mono);color:#15213b;background:#fff;color-scheme:light}
.calc .hint{font-weight:400;color:#c9d5ff;font-size:13px}
.result{border-radius:10px;background:#fdf3d9;color:#15213b;padding:16px;display:grid;gap:8px}
.result .lbl{font-size:14px;font-weight:700;color:#56607a}
.result .big{font:800 32px/1 var(--f-display);font-variant-numeric:tabular-nums}
.result dl{display:grid;grid-template-columns:1fr auto;gap:6px 16px;margin:0;font-size:15px}
.result dd{margin:0;font-family:var(--f-mono);text-align:right;font-variant-numeric:tabular-nums}
.result .w{color:#a33c12;font-weight:700;font-size:15px}

/* Back to top */
.totop{position:fixed;right:max(16px,calc(env(safe-area-inset-right,0px) + 16px));bottom:calc(env(safe-area-inset-bottom,0px) + 16px);width:48px;height:48px;border-radius:50%;border:0;background:#13307f;color:#fff;box-shadow:0 4px 14px rgba(0,0,0,.25);cursor:pointer;display:grid;place-items:center;z-index:15}
.totop svg{width:22px;height:22px}

/* Footer */
footer{background:var(--surface);border-top:1px solid var(--line);margin-top:24px}
footer .cols{padding-block:32px 20px;display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px;font-size:15px;color:var(--muted)}
.f-title{font:700 16px var(--f-body);color:var(--ink);margin-bottom:10px}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:6px}
footer a{color:var(--muted)}
.foot-links{padding-block:16px 28px;border-top:1px solid var(--line);display:flex;flex-wrap:wrap;gap:10px 22px;font-size:15px;color:var(--muted)}
.foot-links a{font-weight:700;color:var(--ink)}
.empty{padding:20px 0 48px;color:var(--muted)}

/* ── Tablet / phone ── */
@media (max-width:960px){
  .hero{grid-template-columns:1fr;gap:28px}
  .sections{grid-template-columns:repeat(3,1fr)}
  .feat{grid-template-columns:repeat(2,1fr)}
  .art{grid-template-columns:1fr;gap:0}
  .side{position:static;margin-top:36px}
  .side .toc-card{display:none}
  .news{grid-template-columns:1fr}
  footer .cols{grid-template-columns:1fr 1fr}
  footer .cols > :first-child{grid-column:1/-1}
}
@media (min-width:961px){ .toc-m{display:none} }
@media (max-width:860px){
  :root{--head:60px}
  .icon-btn{display:inline-flex}
  #search-btn{margin-left:auto}
  .top{flex-wrap:wrap}
  .search{display:none;order:5;flex:1 1 100%;margin:0 0 6px}
  .mast.search-open .search{display:block}
  .menu{display:none;max-height:calc(100dvh - var(--head) - env(safe-area-inset-top,0px));overflow-y:auto;overscroll-behavior:contain}
  .mast.menu-open .menu{display:block}
  .menu ul{flex-direction:column;gap:0;padding:4px 0 8px}
  .menu a{padding:13px 2px;font-size:17px;gap:14px;border-radius:0;border-bottom:1px solid rgba(255,255,255,.1)}
  .menu a svg{width:24px;height:24px}
  .menu .m-desc{display:block;font-weight:400;font-size:14px;color:#c6d3ff;margin-top:2px}
  .menu a[aria-current="page"]{background:transparent;color:#f6cc6a}
  .menu .m-extra{display:flex;flex-wrap:wrap;gap:8px 20px;padding:14px 2px 22px}
  .menu .m-extra a{border:0;padding:6px 0;font-size:15px;color:#c6d3ff}
}
@media (max-width:640px){
  body{font-size:16.5px}
  .logo{font-size:21px}
  .logo svg{width:40px;height:37px}
  .hero{padding-block:24px 20px}
  .hero .lede{font-size:17.5px;margin-bottom:20px}
  .tasks ul{grid-template-columns:1fr}
  .sections{grid-template-columns:1fr 1fr;gap:10px}
  .sec-tile{padding:14px;gap:8px}
  .sec-tile p{display:none}
  .sec-tile h3{font-size:16px}
  .feat{grid-template-columns:1fr}
  .news{padding:22px;border-radius:14px}
  section.block{padding-block:26px}
  .page-head .ico{display:none}
  .page-head p{font-size:17px}
  .meta-row{gap:8px 14px}
  .fs-ctrl{margin-left:0}
  .calc .row{grid-template-columns:1fr}
  .tbl{border:0;background:transparent;border-radius:0}
  .tbl thead{display:none}
  .tbl table,.tbl tbody,.tbl tr,.tbl td{display:block;width:100%}
  .tbl tr{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:12px 14px;margin-bottom:8px}
  .tbl td{border:0;padding:2px 0}
  .tbl td:first-child{white-space:normal;color:var(--ink);margin-bottom:2px}
  footer .cols{grid-template-columns:1fr}
}
@media (max-width:640px){ .logo small{display:none} .top{flex-wrap:nowrap} .mast.search-open .top{flex-wrap:wrap} }
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

html{scroll-behavior:smooth}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.side ol{list-style:none}
.side .toc-card ol li a{color:var(--blue)}
.prose h2{scroll-margin-top:calc(var(--head) + 16px)}
.sources{margin-top:2.2em;padding-top:1.2em;border-top:1px solid var(--line)}
.sources h2{font-size:1.1em;margin:0 0 .5em}
.sources ul{padding-left:1.2em}
.art.single{grid-template-columns:minmax(0,1fr)}
.prose.bordered{border-top:1px solid var(--line);padding-top:16px}
.sitemap{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;padding-bottom:40px}
.map-sec h2{font-size:19px;margin-bottom:8px}
.map-sec ul{margin:0;padding-left:1.1em;display:grid;gap:6px;font-size:15.5px}
.big-search{display:flex;gap:8px;max-width:640px;margin-bottom:22px}
.big-search input{flex:1;min-width:0;min-height:48px;padding:0 14px;border:1px solid var(--line);border-radius:10px;font:inherit;font-size:16px;background:var(--surface);color:var(--ink)}
@media (max-width:960px){.sitemap{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.sitemap{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.crumbs .cur{display:contents}
@media (max-width:640px){.crumbs .cur{display:none}}