:root{--blau:#1c3d5f;--blau2:#2a5580;--grau:#f5f6f7;--line:#dde;--tx:#222;--mut:#667}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:'Segoe UI',Helvetica,Arial,sans-serif;color:var(--tx);font-size:14px;line-height:1.55;background:#fff}
a{color:var(--blau);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:960px;margin:0 auto;padding:0 18px}

header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hd{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px;flex-wrap:wrap}
.logo{display:flex;align-items:baseline;gap:10px}
.logo b{font-size:19px;color:var(--blau);font-weight:700;letter-spacing:-.3px}
.logo span{font-size:12px;color:var(--mut)}
nav{display:flex;gap:22px}
nav a{font-size:13px;color:#444;padding:4px 0;border-bottom:2px solid transparent}
nav a:hover{text-decoration:none;color:var(--blau)}
nav a.on{color:var(--blau);border-bottom-color:var(--blau)}
.crumb{background:var(--grau);padding:8px 0;font-size:12px;color:var(--mut);border-bottom:1px solid var(--line)}

.hero{position:relative;padding:44px 0;border-bottom:1px solid var(--line);background:var(--blau) url(../img/hero.jpg) center/cover no-repeat}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(28,61,95,.94) 0%,rgba(28,61,95,.82) 55%,rgba(28,61,95,.62) 100%)}
.hero .wrap{position:relative;z-index:1}
.hero h1{font-size:24px;color:#fff;font-weight:600;margin-bottom:10px}
.hero p{color:#c8d4e0;font-size:14px;max-width:640px;margin-bottom:6px}

main{padding:24px 0}
.blk{margin-bottom:24px}
.blk h2{font-size:16px;color:var(--blau);font-weight:600;margin-bottom:12px;padding-bottom:6px;border-bottom:1px solid var(--line)}
.blk h3{font-size:14px;color:#333;font-weight:600;margin:14px 0 6px}
.blk p{margin-bottom:10px}
ul.simple{padding-left:18px;font-size:13.5px}
ul.simple li{margin:5px 0}
table.tbl{width:100%;border-collapse:collapse;font-size:13px;margin:10px 0}
table.tbl th{background:var(--grau);padding:7px 10px;text-align:left;font-weight:600;border:1px solid var(--line)}
table.tbl td{padding:7px 10px;border:1px solid var(--line)}
.note{background:#f8f9fa;border-left:3px solid var(--blau);padding:10px 14px;margin:12px 0;font-size:13px}

.cols{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:700px){.cols{grid-template-columns:1fr}}

footer{background:var(--grau);border-top:1px solid var(--line);padding:16px 0;font-size:12px;color:var(--mut)}
footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px}
footer a{color:#556}

.stat3{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:16px 0}
.stat3 div{text-align:center;padding:14px 10px;background:var(--grau);border:1px solid var(--line)}
.stat3 b{display:block;font-size:22px;color:var(--blau);font-weight:700}
.stat3 span{font-size:11px;color:var(--mut);text-transform:uppercase;letter-spacing:.5px}
@media(max-width:600px){.stat3{grid-template-columns:1fr}}

.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:14px 0}
.grid4>div{background:var(--grau);border:1px solid var(--line);padding:14px;border-radius:3px}
.grid4 b{display:block;color:var(--blau);font-size:13px;margin-bottom:6px}
.grid4 span{font-size:12px;color:#445;line-height:1.5;display:block}
@media(max-width:900px){.grid4{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.grid4{grid-template-columns:1fr}}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:14px 0;border:1px solid var(--line);border-radius:3px;overflow:hidden}
.steps>div{padding:16px;background:#fff;border-right:1px solid var(--line)}
.steps>div:last-child{border-right:none}
.steps b{display:block;color:var(--blau);font-size:13px;margin-bottom:6px}
.steps span{font-size:12px;color:#445;line-height:1.5;display:block}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}.steps>div{border-bottom:1px solid var(--line)}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}