:root{
  --ink:#122733; --ink-2:#1A3644; --ink-3:#244B5C;
  --paper:#F3EFE6; --card:#FFFDF8; --card-2:#FAF6ED;
  --text:#182229; --muted:#687174; --muted-2:#8A908D;
  --line:#DED4C2; --line-2:#CDC1AB;
  --orange:#D4772B; --orange-dark:#B45B16; --orange-soft:#F8E5D2;
  --red:#A83A2E; --red-soft:#F6DFDA;
  --green:#2F6B4F; --green-soft:#E1EEE5;
  --yellow:#A97B1C; --yellow-soft:#F5EACD;
  --blue:#2C637B; --blue-soft:#E0EDF2;
  --radius:13px; --radius-sm:9px;
  --shadow:0 1px 0 rgba(18,39,51,.04), 0 26px 54px -36px rgba(18,39,51,.5);
  --sans:"Segoe UI Variable Text","Segoe UI",system-ui,-apple-system,"Helvetica Neue",Arial,sans-serif;
  --mono:"Cascadia Mono","SFMono-Regular",Consolas,"Liberation Mono",monospace;
}
*{box-sizing:border-box}
[hidden]{display:none!important}
body{margin:0;background:var(--paper);color:var(--text);font-family:var(--sans);font-size:17px;line-height:1.5;-webkit-font-smoothing:antialiased}
body::before{content:"";position:fixed;inset:0;pointer-events:none;z-index:-1;background-image:linear-gradient(rgba(18,39,51,.028) 1px,transparent 1px),linear-gradient(90deg,rgba(18,39,51,.028) 1px,transparent 1px);background-size:32px 32px}
h1,h2,h3,h4,p,ul,ol,dl,dd,figure,table{margin:0}
ul,ol{padding:0;list-style:none}
button,input,select,textarea{font:inherit;color:inherit}
button{cursor:pointer}
a{color:inherit}
svg{display:block}
table{border-collapse:collapse;width:100%}
::selection{background:var(--orange-soft);color:var(--ink)}
.skip{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:10px 14px;z-index:300;border-radius:0 0 8px 0}
.skip:focus{left:0}
.wrap{width:min(1240px,calc(100% - 48px));margin-inline:auto}
.mono{font-family:var(--mono);font-variant-numeric:tabular-nums}
.muted{color:var(--muted)}
.small{font-size:13.5px;line-height:1.5}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
:focus-visible{outline:2px solid var(--orange);outline-offset:3px;border-radius:4px}

.topbar{position:sticky;top:0;z-index:80;background:rgba(18,39,51,.97);backdrop-filter:blur(12px);color:#F4F1E8;border-bottom:1px solid rgba(255,255,255,.09)}
.topbar-top{height:62px;display:flex;align-items:center;gap:22px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:#F4F1E8;flex:none}
.brand-mark{width:31px;height:31px;flex:none}
.brand-name{font-weight:750;font-size:19px;letter-spacing:-.02em;line-height:1}
.brand-sub{display:block;font-size:10px;letter-spacing:.11em;text-transform:uppercase;color:#9FB0B7;margin-top:3px;font-weight:650}
.topbar-right{display:flex;align-items:center;gap:12px;margin-left:auto}
.year-chip{font-family:var(--mono);font-size:12px;color:#D9E1E3;border:1px solid rgba(255,255,255,.17);border-radius:99px;padding:5px 10px;white-space:nowrap}
.save-state{display:flex;align-items:center;gap:6px;font-size:11.5px;color:#93A3A8;white-space:nowrap}
.save-dot{width:6px;height:6px;border-radius:50%;background:#6FA783;box-shadow:0 0 0 3px rgba(111,167,131,.15);flex:none}
.tabbar{display:flex;gap:4px;overflow-x:auto;scrollbar-width:none;padding:0 0 9px}
.tabbar::-webkit-scrollbar{display:none}
.tab{display:flex;align-items:center;gap:7px;border:0;background:transparent;color:#A9B8BD;font-size:14px;font-weight:650;padding:8px 12px;border-radius:8px;white-space:nowrap}
.tab:hover{color:#fff;background:rgba(255,255,255,.06)}
.tab[aria-selected="true"]{background:#F4F1E8;color:var(--ink)}

.hero{background:var(--ink);color:#F4F1E8;position:relative;overflow:hidden;border-bottom:1px solid rgba(255,255,255,.08)}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);background-size:36px 36px;mask-image:linear-gradient(90deg,#000,transparent 72%);pointer-events:none}
.hero::after{content:"";position:absolute;width:660px;height:660px;right:-200px;top:-280px;border-radius:50%;background:radial-gradient(circle,rgba(212,119,43,.18),transparent 66%);pointer-events:none}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:54px;align-items:center;padding:56px 0 62px}
.eyebrow{display:flex;align-items:center;gap:9px;font-size:11px;font-weight:750;letter-spacing:.14em;text-transform:uppercase;color:#9FB0B7}
.eyebrow::before{content:"";width:20px;height:1px;background:var(--orange)}
h1{font-size:clamp(2.35rem,4.5vw,3.95rem);line-height:1.04;letter-spacing:-.045em;font-weight:750;margin:17px 0 19px;max-width:15ch}
.h1-warm{color:#F0A36D}
.lede{font-size:17.5px;line-height:1.6;color:#C4CFD3;max-width:54ch}
.hero-actions{display:flex;flex-wrap:wrap;gap:11px;margin-top:26px}
.hero-trust{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:17px;font-size:13px;color:#8FA1A7}
.hero-trust span{display:inline-flex;align-items:center;gap:6px}
.hero-trust svg{width:14px;height:14px;color:#82A894;flex:none}

.verdict-card{background:var(--card);color:var(--text);border-radius:var(--radius);box-shadow:0 30px 60px -34px rgba(0,0,0,.65);padding:22px;position:relative;overflow:hidden}
.verdict-card::before{content:"";position:absolute;inset:0 0 auto 0;height:3px;background:linear-gradient(90deg,var(--green),#62A37F 60%,transparent)}
.verdict-card[data-tone="bad"]::before{background:linear-gradient(90deg,var(--red),#C9735F 60%,transparent)}
.verdict-card[data-tone="warn"]::before{background:linear-gradient(90deg,var(--yellow),#CDA24A 60%,transparent)}
.verdict-head{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:12px}
.verdict-label{font-size:11px;font-weight:750;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.verdict-chip{font-size:11px;font-weight:700;color:var(--orange-dark);background:var(--orange-soft);border-radius:99px;padding:3px 9px;white-space:nowrap}
.verdict-big{font-size:clamp(1.55rem,3.2vw,2rem);font-weight:750;letter-spacing:-.03em;line-height:1.12;color:var(--green)}
.verdict-card[data-tone="bad"] .verdict-big{color:var(--red)}
.verdict-card[data-tone="warn"] .verdict-big{color:#8A6410}
.verdict-sub{font-size:14px;color:var(--muted);margin-top:7px}
.verdict-rows{margin-top:15px;border-top:1px solid var(--line);padding-top:12px;display:grid;gap:8px}
.verdict-rows div{display:flex;align-items:baseline;justify-content:space-between;gap:12px;font-size:14px}
.verdict-rows span{color:var(--muted)}
.verdict-rows b{font-weight:650;font-size:14.5px;text-align:right}

.main{padding:0 0 20px}
.panel{padding:34px 0 8px;scroll-margin-top:112px}
.panel-head{display:flex;align-items:flex-end;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-bottom:20px}
.panel-head h2{font-size:clamp(1.5rem,2.4vw,1.95rem);letter-spacing:-.025em;font-weight:740;line-height:1.15}
.panel-head p{color:var(--muted);font-size:14.5px;max-width:62ch;margin-top:6px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.split{display:grid;grid-template-columns:400px minmax(0,1fr);gap:20px;align-items:start}
.form-card{padding:22px}
.field{display:grid;gap:6px;margin-bottom:16px}
.field:last-child{margin-bottom:0}
.label{font-size:13.5px;font-weight:650;color:var(--ink-3);display:flex;align-items:center;justify-content:space-between;gap:8px}
.hint{font-size:12.5px;color:var(--muted);line-height:1.4}
.input,.select{width:100%;height:46px;padding:0 13px;border:1px solid var(--line-2);border-radius:var(--radius-sm);background:#fff;font-size:16px;color:var(--text);font-variant-numeric:tabular-nums}
.select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1.5l5 5 5-5' stroke='%23687174' stroke-width='1.7' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 13px center;padding-right:34px}
.input:focus,.select:focus{border-color:var(--orange);outline:0;box-shadow:0 0 0 3px rgba(212,119,43,.16)}
.seg{display:flex;gap:6px;flex-wrap:wrap}
.seg button{border:1px solid var(--line-2);background:#fff;border-radius:99px;padding:8px 13px;font-size:13.5px;font-weight:650;color:var(--ink-3)}
.seg button:hover{border-color:var(--orange);color:var(--orange-dark)}
.seg button[aria-pressed="true"]{background:var(--ink);border-color:var(--ink);color:#F4F1E8}
.checks{display:grid;gap:9px;padding-top:4px;border-top:1px solid var(--line);margin-top:4px}
.check{display:flex;align-items:flex-start;gap:9px;font-size:14px;line-height:1.4;color:#3A4348;cursor:pointer}
.check input{width:18px;height:18px;margin:1px 0 0;accent-color:var(--orange);flex:none}
.form-note{margin-top:16px;padding-top:14px;border-top:1px solid var(--line);font-size:12.5px;color:var(--muted);line-height:1.45}

.result{background:var(--ink);color:#F4F1E8;border-radius:var(--radius);padding:24px;border:1px solid #0C1E27;box-shadow:0 30px 60px -40px rgba(0,0,0,.8);position:relative;overflow:hidden}
.result::after{content:"";position:absolute;width:420px;height:420px;right:-160px;bottom:-230px;border-radius:50%;background:radial-gradient(circle,rgba(212,119,43,.2),transparent 68%);pointer-events:none}
.result-top{position:relative;z-index:1;display:flex;align-items:flex-start;justify-content:space-between;gap:16px;flex-wrap:wrap}
.result-label{font-size:11px;font-weight:750;letter-spacing:.12em;text-transform:uppercase;color:#9FB0B7}
.result-verdict{font-size:clamp(1.5rem,3vw,1.95rem);font-weight:740;letter-spacing:-.02em;line-height:1.15;margin-top:8px;color:#fff}
.result-basis{font-size:13px;color:#9FB0B7;margin-top:6px}
.result-delta{display:inline-flex;align-items:center;gap:6px;font-family:var(--mono);font-size:13px;font-weight:600;padding:6px 11px;border-radius:99px;white-space:nowrap;background:rgba(255,255,255,.08);color:#D9E1E3;border:1px solid rgba(255,255,255,.18)}
.result-delta[data-tone="good"]{background:rgba(111,167,131,.18);color:#9DD5B4;border-color:rgba(111,167,131,.35)}
.result-delta[data-tone="bad"]{background:rgba(211,106,85,.16);color:#F0AE9F;border-color:rgba(211,106,85,.35)}
.result-delta[data-tone="warn"]{background:rgba(201,160,74,.18);color:#EBD09A;border-color:rgba(201,160,74,.35)}
.opt{font-weight:500;color:var(--muted-2);font-size:12px}
.result-rows{position:relative;z-index:1;margin-top:18px;display:grid;grid-template-columns:1fr 1fr;gap:1px;background:rgba(255,255,255,.11);border-radius:10px;overflow:hidden;border:1px solid rgba(255,255,255,.11)}
.result-cell{background:#172F3C;padding:13px 15px}
.result-cell span{display:block;font-size:11.5px;color:#93A3A8;margin-bottom:4px}
.result-cell b{font-family:var(--mono);font-size:16px;font-weight:600;color:#fff;font-variant-numeric:tabular-nums}
.result-foot{position:relative;z-index:1;margin-top:15px;font-size:13px;color:#A9B8BD;line-height:1.5}
.result-foot b{color:#F4F1E8}
.result-steps{position:relative;z-index:1;margin-top:16px;display:grid;gap:8px}
.result-step{display:flex;gap:9px;font-size:13.5px;color:#D9E1E3;line-height:1.45}
.result-step::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--orange);flex:none;margin-top:7px}

.callout{display:flex;gap:11px;padding:13px 15px;border-radius:var(--radius-sm);border:1px solid var(--line);background:var(--card-2);font-size:13.5px;line-height:1.5;color:var(--ink-3)}
.callout svg{width:18px;height:18px;flex:none;margin-top:2px;color:var(--orange-dark)}
.callout[data-tone="warn"]{background:var(--yellow-soft);border-color:#E4D3A4;color:#6F520F}
.callout[data-tone="warn"] svg{color:#8A6410}
.callout[data-tone="info"]{background:var(--blue-soft);border-color:#C2DCE5;color:#204E60}
.callout[data-tone="info"] svg{color:var(--blue)}
.callout[data-tone="bad"]{background:var(--red-soft);border-color:#E7C6BE;color:#8A2F24}
.callout[data-tone="bad"] svg{color:var(--red)}
.callouts{display:grid;gap:10px;margin-top:14px}

.timeline{display:grid;gap:0;border-left:2px solid var(--line);margin-left:7px;padding-left:22px}
.tstep{position:relative;padding:0 0 20px}
.tstep:last-child{padding-bottom:0}
.tstep::before{content:"";position:absolute;left:-29px;top:5px;width:12px;height:12px;border-radius:50%;background:var(--card);border:2px solid var(--line-2)}
.tstep[data-done="1"]::before{background:var(--green);border-color:var(--green)}
.tstep[data-soon="1"]::before{background:var(--orange);border-color:var(--orange)}
.tstep b{display:block;font-size:15px;font-weight:680}
.tstep i{display:block;font-style:normal;font-family:var(--mono);font-size:12.5px;color:var(--orange-dark);margin:2px 0 3px}
.tstep p{font-size:13.5px;color:var(--muted);line-height:1.45}
.tstep .tag{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:#8A2F24;background:var(--red-soft);border-radius:4px;padding:1px 6px;margin-left:6px;vertical-align:1px}

.penalty{margin-top:18px;padding:16px;border-radius:var(--radius-sm);background:var(--card-2);border:1px solid var(--line)}
.penalty-label{font-size:11.5px;font-weight:750;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.penalty-sum{font-family:var(--mono);font-size:clamp(1.5rem,3.4vw,2rem);font-weight:600;color:var(--ink);margin-top:6px;letter-spacing:-.02em}
.penalty-note{font-size:12.5px;color:var(--muted);margin-top:4px;line-height:1.4}

.norms-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:14px}
.norm-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm);padding:17px 18px}
.norm-card h3{font-size:15.5px;font-weight:700;letter-spacing:-.01em;margin-bottom:7px}
.norm-card p{font-size:14px;color:#3A4348;line-height:1.55}
.norm-ref{display:inline-block;margin-top:10px;font-family:var(--mono);font-size:11.5px;color:var(--orange-dark);background:var(--orange-soft);border-radius:5px;padding:2px 7px}
.list-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm);padding:8px 18px 16px;margin-top:14px}
.list-card h3{font-size:16px;font-weight:700;margin:12px 0 10px}
.nolist{counter-reset:n;display:grid;gap:9px}
.nolist li{position:relative;padding-left:30px;font-size:14px;line-height:1.5;color:#3A4348}
.nolist li::before{counter-increment:n;content:counter(n);position:absolute;left:0;top:1px;width:20px;height:20px;border-radius:6px;background:var(--red-soft);color:#8A2F24;font-family:var(--mono);font-size:11.5px;display:flex;align-items:center;justify-content:center}
.faq{display:grid;gap:10px;margin-top:16px}
details{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm)}
summary{cursor:pointer;padding:15px 18px;font-weight:670;font-size:15px;list-style:none;display:flex;justify-content:space-between;gap:14px;align-items:center}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-family:var(--mono);font-size:18px;color:var(--orange-dark);flex:none;line-height:1}
details[open] summary::after{content:"–"}
details .faq-body{padding:0 18px 16px;font-size:14.5px;line-height:1.6;color:#3A4348}
details .faq-body p+p{margin-top:9px}

.doc-layout{display:grid;grid-template-columns:380px minmax(0,1fr);gap:20px;align-items:start}
.doc-types{display:grid;gap:7px;margin-bottom:15px}
.doc-type{text-align:left;border:1px solid var(--line-2);background:#fff;border-radius:var(--radius-sm);padding:11px 13px;display:grid;gap:2px}
.doc-type b{font-size:14.5px;font-weight:670}
.doc-type span{font-size:12px;color:var(--muted)}
.doc-type[aria-pressed="true"]{border-color:var(--orange);background:var(--orange-soft);box-shadow:0 0 0 2px rgba(212,119,43,.12)}
.paper-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.paper-toolbar{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:11px 14px;border-bottom:1px solid var(--line);background:var(--card-2);flex-wrap:wrap}
.paper-toolbar span{font-size:12.5px;color:var(--muted);font-weight:600}
.paper{background:#fff;padding:clamp(20px,4vw,46px);font-size:15px;line-height:1.62;color:#14181B;max-height:70vh;overflow:auto}
.paper h2{font-size:18px;text-align:center;letter-spacing:.06em;text-transform:uppercase;margin:24px 0 18px;font-weight:700}
.paper .doc-top{margin-bottom:22px;font-size:14px;line-height:1.5;display:flex;flex-direction:column;align-items:flex-end;gap:14px}
.paper .doc-top .right{max-width:64%;text-align:left;line-height:1.45}
.paper p{margin-bottom:12px}
.paper ol,.paper ul{margin:0 0 12px;padding-left:22px;list-style:decimal}
.paper ul{list-style:disc}
.paper li{margin-bottom:5px}
.paper .sign{margin-top:34px;display:flex;justify-content:space-between;gap:20px;font-size:14px;color:#3A4348}
.paper .doc-note{font-size:13px;color:#5A6266;border-left:3px solid var(--orange);padding-left:11px;margin:14px 0}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:var(--radius-sm);padding:11px 17px;font-size:14.5px;font-weight:650;border:1px solid transparent;text-decoration:none;line-height:1.2}
.btn svg{width:16px;height:16px;flex:none}
.btn-primary{background:var(--orange);color:#fff;border-color:var(--orange)}
.btn-primary:hover{background:var(--orange-dark);border-color:var(--orange-dark)}
.btn-ghost{background:transparent;border-color:var(--line-2);color:var(--ink)}
.btn-ghost:hover{background:var(--card-2);border-color:var(--ink-3)}
.btn-dark{background:#F4F1E8;color:var(--ink);border-color:#F4F1E8}
.btn-dark:hover{background:#fff}
.btn-sm{padding:8px 12px;font-size:13px}
.btn-row{display:flex;flex-wrap:wrap;gap:8px}

.foot{border-top:1px solid var(--line);margin-top:34px;padding:26px 0 34px;color:var(--muted);font-size:13px}
.foot-grid{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
.foot b{color:var(--ink-3);font-weight:680}
.foot p{max-width:70ch;line-height:1.55;margin-top:6px}

.toast{position:fixed;left:50%;bottom:26px;transform:translate(-50%,20px);background:var(--ink);color:#F4F1E8;padding:11px 18px;border-radius:99px;font-size:13.5px;font-weight:600;box-shadow:0 18px 40px -18px rgba(0,0,0,.7);opacity:0;pointer-events:none;transition:opacity .18s,transform .18s;z-index:200}
.toast[data-show="1"]{opacity:1;transform:translate(-50%,0)}

@media (max-width:1000px){
  .hero-grid{grid-template-columns:1fr;gap:30px;padding:42px 0 46px}
  h1{max-width:17ch}
  .split,.doc-layout{grid-template-columns:1fr}
  .verdict-card{max-width:520px}
}
@media (max-width:640px){
  body{font-size:16.5px}
  .wrap{width:calc(100% - 28px)}
  .topbar-top{height:56px;gap:12px}
  .brand-sub{display:none}
  .save-state{display:none}
  .hero-grid{padding:32px 0 38px}
  h1{font-size:2rem;letter-spacing:-.035em}
  .lede{font-size:15.5px}
  .panel{padding:26px 0 6px}
  .result-rows{grid-template-columns:1fr}
  .result,.form-card{padding:18px}
  .paper{padding:20px 16px}
  .paper .sign{flex-direction:column;gap:8px}
  .paper .doc-top .right{max-width:100%}
}
@media print{
  body{background:#fff}
  body::before,.topbar,.hero,.panel-head,.doc-form,.paper-toolbar,.foot,.toast,.skip{display:none!important}
  .main,.panel,.doc-layout{display:block!important;padding:0!important;margin:0!important}
  .doc-layout{grid-template-columns:1fr}
  .paper-card{border:0;box-shadow:none;border-radius:0}
  .paper{max-height:none;overflow:visible;padding:0;font-size:12pt}
  .panel[hidden]{display:block!important}
  .panel:not(#panel-docs){display:none!important}
}

.home-link{display:inline-flex;align-items:center;gap:5px;font-size:12px;font-weight:650;color:#D9E1E3;border:1px solid rgba(255,255,255,.17);border-radius:99px;padding:5px 9px;white-space:nowrap;text-decoration:none;line-height:1;flex:none}
.home-link:hover{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.3)}
.hl-short{display:none}
@media (max-width:640px){.hl-text{display:none}.hl-short{display:inline}}