*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:#222c3d;background:#fff;font-family:Arial,sans-serif;line-height:1.6}a{color:inherit}a:focus-visible{outline:3px solid #df9634;outline-offset:4px}img{display:block;max-width:100%}.wrap,.bar{width:min(1180px,calc(100% - 48px));margin:auto}.header{background:white;border-bottom:1px solid #e4e8ed}.bar{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{font-size:26px;font-weight:800;letter-spacing:-.06em;color:#2053a3;text-decoration:none}.header nav{display:flex;gap:30px;font-size:14px;font-weight:700}.header nav a{text-decoration:none}.header nav a:hover{text-decoration:underline}.cost-hero{background:linear-gradient(90deg,#182b43a8,#182b4340),url('room.jpg') center 58%/cover;padding:80px 0}.hero-card{background:white;border-radius:12px;padding:48px;max-width:685px;box-shadow:0 8px 32px #14223b22}.hero-card h1{font-size:clamp(38px,4.5vw,57px);line-height:1.08;letter-spacing:-.035em;margin:15px 0 22px}.hero-card p{color:#5a687a;font-size:19px}.eyebrow{font-size:12px;letter-spacing:.12em;font-weight:800;color:#2864ad}.section{padding:74px 0}.section h2,.closing h2{font-size:clamp(29px,3vw,40px);line-height:1.15;letter-spacing:-.03em;margin:12px 0 30px}.section h3{font-size:28px;line-height:1.23;letter-spacing:-.02em;margin:12px 0}.section h3 a{text-decoration:none}.section h3 a:hover{text-decoration:underline}.cost-feature{display:grid;grid-template-columns:1fr 1fr;gap:55px;align-items:center}.cost-feature p,.steps p{color:#586778}.cost-feature img{width:100%;height:320px;object-fit:cover;border-radius:12px}.soft{background:#f2f7fc}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}.steps b{color:#3972c4}.steps h3{font-size:21px}.closing{background:#e8f0fc;padding:65px 0}.closing p{max-width:730px;color:#53647a}.article-top{background:#edf4fc;padding:65px 24px}.reading{max-width:900px;margin:auto}.article-top h1{font-size:clamp(38px,5vw,60px);line-height:1.06;letter-spacing:-.04em;margin:16px 0 20px}.dek{font-size:19px;color:#586778}.article-layout{max-width:1160px;margin:50px auto 90px;padding:0 24px;display:grid;grid-template-columns:230px minmax(0,740px);gap:65px;align-items:start}.toc{position:sticky;top:24px;border-top:3px solid #3972c4;padding-top:15px;font-size:13px}.toc ol{padding-left:18px}.toc li{margin:10px 0}.prose{font-size:18px;line-height:1.8;min-width:0}.prose p{margin:0 0 1.15em}.prose h2{font-size:29px;line-height:1.2;letter-spacing:-.02em;margin:1.8em 0 .6em;scroll-margin-top:20px}.prose figure{margin:30px 0}.prose figure img{width:100%;max-height:500px;object-fit:cover;border-radius:8px}.prose figure.diagram img{object-fit:contain;height:auto}.prose figcaption{font-size:13px;color:#586778;margin-top:8px}.prose a{color:#2054a3}footer{background:#172940;color:white;padding:46px 0}.footer-inner p{color:#c3d0e1}.footer-inner a{margin-right:24px;font-size:14px}@media(max-width:760px){.wrap,.bar{width:calc(100% - 36px)}.bar{padding:16px 0;display:block}.header nav{margin-top:12px;gap:20px;flex-wrap:wrap}.cost-hero{padding:45px 0}.hero-card{padding:28px}.hero-card h1{font-size:39px}.hero-card p{font-size:17px}.section{padding:52px 0}.cost-feature{grid-template-columns:1fr;gap:20px}.cost-feature img{height:240px}.reverse img{order:2}.steps{grid-template-columns:1fr 1fr;gap:15px}.article-layout{display:block;margin-top:30px}.toc{position:static;margin-bottom:35px}.article-top{padding:45px 18px}.prose{font-size:17px}.closing{padding:48px 0}}
.prose figure.diagram{background:#edf4fc;border-radius:14px;padding:24px;font:16px/1.4 Arial,sans-serif}.prose figure.diagram figcaption{font:700 21px/1.2 Arial,sans-serif;color:#182c4c;margin:0 0 18px}.diagram-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.diagram-grid div{background:#fff;border-radius:8px;padding:16px;display:grid;gap:6px}.diagram-grid b{color:#2864ad}.diagram-grid strong{font-size:16px}.diagram-grid span{font-size:14px;color:#50617a}@media(max-width:420px){.diagram-grid{grid-template-columns:1fr}}
.cost-feature h3 a{color:#2054a3;text-decoration:underline;text-decoration-color:#9fb7dd;text-decoration-thickness:2px;text-underline-offset:4px}
.toc summary{cursor:pointer;font-weight:700;padding:8px 0}.toc summary:focus-visible{outline:3px solid #df9634;outline-offset:3px}
a{text-decoration:none}.cost-feature h3 a{color:#2054a3;text-decoration:none}.prose a{color:#2054a3}a:hover{text-decoration:underline}
.diagram-grid div:not(:last-child){position:relative}.diagram-grid div:not(:last-child):after{content:"→";color:#2864ad;font-weight:bold;position:absolute;right:9px;top:14px}@media(max-width:420px){.diagram-grid div:not(:last-child):after{content:"↓"}}
.additional-link a{color:#2054a3;font-weight:700}.additional-link a:hover{text-decoration:underline}

.topic-groups{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;margin-top:42px}.topic-groups>div{border-top:2px solid #d5e3f4;padding-top:18px}.topic-groups h3{font-size:19px;margin:0 0 14px}.topic-groups ul{list-style:none;padding:0;margin:0}.topic-groups li{margin:12px 0}.topic-groups a{color:#2054a3;font-weight:700}@media(max-width:760px){.topic-groups{grid-template-columns:1fr;gap:10px;margin-top:30px}}
