:root{
  --bg:#f5f7fb;--surface:#fff;--surface2:#eef2f9;--text:#0e1a33;--muted:#5b6784;--line:#dfe5f0;
  --pri:#1c3faa;--pri2:#2f5cf0;--acc:#12b981;--acc-d:#0e9f6e;--acc-ink:#fff;--warn:#b45309;--warn-bg:#fff7ed;
  --danger:#dc2626;--star:#f5a524;--hero1:#0b1b3f;--hero2:#1c3faa;
  --r:16px;--r-sm:10px;--sh:0 1px 2px rgba(14,26,51,.05),0 8px 24px rgba(14,26,51,.06);
  --font:"Onest",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --bg:#0a1020;--surface:#111a2e;--surface2:#18233b;--text:#e7ecf7;--muted:#98a3bd;--line:#243152;
  --pri:#7aa2ff;--pri2:#9db8ff;--acc:#22d39a;--acc-d:#1bb884;--acc-ink:#04221a;--warn:#fbbf24;--warn-bg:#231a08;
  --hero1:#070c18;--hero2:#15254d;--sh:0 1px 2px rgba(0,0,0,.3),0 8px 24px rgba(0,0,0,.25)}}
:root[data-theme="dark"]{
  --bg:#0a1020;--surface:#111a2e;--surface2:#18233b;--text:#e7ecf7;--muted:#98a3bd;--line:#243152;
  --pri:#7aa2ff;--pri2:#9db8ff;--acc:#22d39a;--acc-d:#1bb884;--acc-ink:#04221a;--warn:#fbbf24;--warn-bg:#231a08;
  --hero1:#070c18;--hero2:#15254d;--sh:0 1px 2px rgba(0,0,0,.3),0 8px 24px rgba(0,0,0,.25)}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;background:var(--bg);color:var(--text);font:16px/1.6 var(--font);overflow-x:hidden}
img{max-width:100%;height:auto}
a{color:var(--pri);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{line-height:1.2;letter-spacing:-.01em;margin:0 0 .6em}
h1{font-size:clamp(1.7rem,4vw,2.6rem);font-weight:800}
h2{font-size:clamp(1.3rem,2.6vw,1.75rem);font-weight:750}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:1200px;margin:0 auto;padding:0 16px}
.narrow{max-width:820px}
.center{text-align:center}
.muted{color:var(--muted)}.small{font-size:.9rem}.tiny{font-size:.78rem;line-height:1.45}
.lead{font-size:1.1rem;color:var(--muted)}
.mt{margin-top:2rem}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;z-index:99;background:var(--surface);padding:8px 12px;border-radius:8px}
.sec{padding:32px 16px}
.sec__head{display:flex;align-items:baseline;justify-content:space-between;gap:6px 16px;flex-wrap:wrap;margin-bottom:22px}
.sec__head h2{margin-bottom:0}
.link-more{font-weight:600}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);padding:20px}
.empty{padding:24px;text-align:center;color:var(--muted)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:11px 18px;border-radius:12px;border:1px solid var(--line);background:var(--surface);color:var(--text);font:600 15px/1.2 var(--font);cursor:pointer;text-decoration:none!important;transition:transform .12s,background .15s,box-shadow .15s;white-space:nowrap}
.btn:hover{transform:translateY(-1px)}
.btn--acc{background:var(--acc);border-color:var(--acc);color:var(--acc-ink);box-shadow:0 6px 18px -6px color-mix(in srgb,var(--acc) 70%,transparent)}
.btn--acc:hover{background:var(--acc-d)}
.btn--ghost{background:transparent}
.btn--sm{padding:8px 13px;font-size:14px;border-radius:10px}
.btn--lg{padding:15px 22px;font-size:17px}
.btn--block{width:100%}
.link{background:none;border:0;color:var(--pri);font:inherit;cursor:pointer;padding:0}
.icon-btn{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:10px;border:1px solid var(--line);background:var(--surface);color:var(--text);cursor:pointer}

/* header */
.hdr{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--surface) 88%,transparent);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.hdr__in{display:flex;align-items:center;gap:20px;height:64px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.15rem;color:var(--text);text-decoration:none!important}
.logo svg{color:var(--pri)}
.nav{display:flex;gap:4px;margin-left:12px;align-items:center}
.nav__dd>a{display:block}
.nav>a,.nav__dd>a{padding:8px 12px;border-radius:10px;color:var(--text);font-weight:500;font-size:15px;text-decoration:none}
.nav>a:hover,.nav__dd>a:hover{background:var(--surface2)}
.nav__dd{position:relative}
.nav__menu{position:absolute;top:100%;left:0;min-width:300px;background:var(--surface);border:1px solid var(--line);border-radius:14px;box-shadow:var(--sh);padding:8px;display:none;flex-direction:column}
.nav__dd:hover .nav__menu,.nav__dd:focus-within .nav__menu{display:flex}
.nav__menu a{padding:8px 12px;border-radius:8px;color:var(--text);font-size:14.5px}
.nav__menu a:hover{background:var(--surface2);text-decoration:none}
.hdr__act{margin-left:auto;display:flex;gap:8px;align-items:center}
.burger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:4px}
.burger span{display:block;width:18px;height:2px;background:currentColor;border-radius:2px}
@media (max-width:1120px){
  .burger{display:inline-flex}
  .nav{position:fixed;inset:64px 0 auto 0;flex-direction:column;background:var(--surface);border-bottom:1px solid var(--line);padding:12px 16px 20px;margin:0;display:none;max-height:calc(100vh - 64px);overflow:auto}
  .nav.open{display:flex}
  .nav__menu{position:static;display:flex;box-shadow:none;border:0;padding:0 0 0 12px;min-width:0}
  .hide-sm{display:none}
}

.crumbs{font-size:.85rem;color:var(--muted);padding-top:14px;display:flex;flex-wrap:wrap;gap:6px}
.crumbs a{color:var(--muted)}.crumbs i{font-style:normal;opacity:.5}

/* hero */
.hero{background:radial-gradient(1000px 400px at 85% -10%,color-mix(in srgb,var(--acc) 35%,transparent),transparent 60%),linear-gradient(135deg,var(--hero1),var(--hero2));color:#fff;padding:48px 0 56px}
.hero__grid{display:grid;grid-template-columns:1.25fr 1fr;gap:40px;align-items:center}
.hero h1{color:#fff}
.hero .lead{color:#c9d5f2}
.eyebrow{display:inline-block;font-size:.85rem;font-weight:600;color:#bfe9d8;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);padding:5px 12px;border-radius:99px;margin-bottom:16px}
.hero__bullets{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:10px}
.hero__bullets li{padding-left:30px;position:relative;color:#dfe7fb}
.hero__bullets li::before{content:"";position:absolute;left:0;top:3px;width:20px;height:20px;border-radius:50%;background:var(--acc) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/12px no-repeat}
.hero__calc{color:var(--text)}
.hero__calc-h{font-weight:700;font-size:1.15rem;margin-bottom:12px}
.rng{display:block;margin-bottom:16px}
.rng span{display:flex;justify-content:space-between;font-size:.95rem;color:var(--muted);margin-bottom:6px}
.rng output{font-weight:700;color:var(--text)}
input[type=range]{width:100%;accent-color:var(--acc);height:28px}
.qc-res{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:4px 0 16px}
.qc-res div{background:var(--surface2);border-radius:12px;padding:10px 12px}
.qc-res small{display:block;color:var(--muted);font-size:.78rem}
.qc-res b{font-size:1.15rem}
@media (max-width:860px){.hero__grid{grid-template-columns:1fr}.hero{padding:32px 0 40px}}

/* offer cards */
.offers{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,300px),1fr));gap:18px}
.offers--list{grid-template-columns:repeat(auto-fill,minmax(min(100%,320px),1fr))}
.offers--inline{grid-template-columns:repeat(auto-fill,minmax(min(100%,260px),1fr));margin:1.5em 0}
.oc{position:relative;display:flex;flex-direction:column;gap:12px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:18px;box-shadow:var(--sh);transition:border-color .15s,transform .15s}
.oc:hover{border-color:color-mix(in srgb,var(--pri) 40%,var(--line))}
.oc--top{border-color:color-mix(in srgb,var(--acc) 55%,var(--line))}
.oc--top::before{content:"Вибір редакції";position:absolute;top:-10px;left:16px;background:var(--acc);color:var(--acc-ink);font-size:11px;font-weight:700;padding:2px 10px;border-radius:99px}
.oc__head{display:flex;gap:12px;align-items:center}
.oc__logo{flex:0 0 76px;height:48px;border-radius:12px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;overflow:hidden;padding:4px}
.oc__logo img{max-height:40px;width:auto;object-fit:contain}
.oc__logo span{font-weight:800;color:var(--pri);text-transform:uppercase}
.oc__title{min-width:0;flex:1}
.oc__title h3{margin:0;font-size:1.08rem}
.oc__title h3 a{color:var(--text)}
.oc__meta{display:flex;align-items:center;gap:6px;font-size:.85rem;color:var(--muted);flex-wrap:wrap}
.ad-label{align-self:flex-start;font-size:10.5px;font-weight:600;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);border:1px solid var(--line);border-radius:6px;padding:1px 6px}
.oc__promo{background:color-mix(in srgb,var(--acc) 14%,transparent);color:color-mix(in srgb,var(--acc-d) 85%,var(--text));font-weight:600;font-size:.9rem;padding:7px 12px;border-radius:10px}
.oc__facts{display:grid;grid-template-columns:1fr 1fr;gap:8px 14px;margin:0}
.oc__facts div{min-width:0}
.oc__facts dt{font-size:.75rem;color:var(--muted)}
.oc__facts dd{margin:0;font-weight:650;font-size:.95rem;overflow-wrap:anywhere}
.chips{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0}
.chips li{font-size:.76rem;background:var(--surface2);color:var(--muted);padding:3px 9px;border-radius:99px}
.chips--col{flex-direction:column;align-items:flex-start}
.oc__cta{display:grid;grid-template-columns:1fr auto;gap:8px;margin-top:auto}
.oc__foot{display:flex;justify-content:space-between;gap:8px;font-size:.78rem;color:var(--muted);align-items:center}
.oc__legal{overflow:hidden;text-overflow:ellipsis;white-space:nowrap;max-width:60%}
.cmp-chk{display:inline-flex;align-items:center;gap:6px;cursor:pointer;font-size:.85rem;color:var(--muted)}
.stars{--r:4.5;display:inline-block;width:80px;height:15px;background:linear-gradient(90deg,var(--star) calc(var(--r)/5*100%),color-mix(in srgb,var(--muted) 30%,transparent) 0);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 15'%3E%3Cpath d='M8 0l2.4 4.9 5.4.8-3.9 3.8.9 5.4L8 12.4l-4.8 2.5.9-5.4L.2 5.7l5.4-.8z'/%3E%3C/svg%3E") 0/16px 15px repeat-x;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 15'%3E%3Cpath d='M8 0l2.4 4.9 5.4.8-3.9 3.8.9 5.4L8 12.4l-4.8 2.5.9-5.4L.2 5.7l5.4-.8z'/%3E%3C/svg%3E") 0/16px 15px repeat-x}
.stars--sm{width:64px;height:12px;-webkit-mask-size:12.8px 12px;mask-size:12.8px 12px}

/* tiles, steps */
.tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,240px),1fr));gap:12px}
.tiles--sm{grid-template-columns:repeat(auto-fill,minmax(min(100%,200px),1fr))}
.tile{display:flex;flex-direction:column;gap:4px;padding:16px;border-radius:14px;background:var(--surface);border:1px solid var(--line);color:var(--text);text-decoration:none!important;transition:border-color .15s,transform .15s}
.tile:hover{border-color:var(--pri);transform:translateY(-2px)}
.tile span{font-size:.85rem;color:var(--muted)}
.steps__list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,230px),1fr));gap:14px;counter-reset:s}
.steps__list li{counter-increment:s;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:20px;display:flex;flex-direction:column;gap:6px}
.steps__list li::before{content:counter(s);width:34px;height:34px;border-radius:10px;display:grid;place-items:center;background:color-mix(in srgb,var(--pri) 14%,transparent);color:var(--pri);font-weight:800}
.steps__list span{color:var(--muted);font-size:.93rem}
.split{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.split>div{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:24px}
@media (max-width:760px){.split{grid-template-columns:1fr}}

/* posts */
.posts{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,280px),1fr));gap:18px}
.post{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column}
.post__img{aspect-ratio:16/9;display:block;background:var(--surface2)}
.post__img img{width:100%;height:100%;object-fit:cover}
.post__ph{display:grid;place-items:center;height:100%;font-size:3rem;font-weight:800;color:#fff;background:linear-gradient(135deg,var(--pri),var(--acc))}
.post__ph[data-topic=borhy]{background:linear-gradient(135deg,#7c3aed,#db2777)}
.post__ph[data-topic=kredytna-istoriia]{background:linear-gradient(135deg,#0891b2,#1c3faa)}
.post__ph[data-topic=bezpeka]{background:linear-gradient(135deg,#ea580c,#b91c1c)}
.post__ph[data-topic=porady]{background:linear-gradient(135deg,#059669,#0d9488)}
.post__body{padding:16px 18px 18px;display:flex;flex-direction:column;gap:6px;flex:1}
.post__body h3{margin:0;font-size:1.05rem}.post__body h3 a{color:var(--text)}
.post__body p{color:var(--muted);font-size:.92rem;margin:0}
.post__body time{margin-top:auto;font-size:.8rem;color:var(--muted)}
.post__topic{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--acc-d)}
.topics{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px}
.topics a{padding:7px 14px;border-radius:99px;border:1px solid var(--line);background:var(--surface);color:var(--text);font-size:.9rem;text-decoration:none}
.topics a.on{background:var(--pri);color:#fff;border-color:var(--pri)}
.pager{display:flex;gap:6px;justify-content:center;margin-top:24px}
.pager a{min-width:40px;height:40px;display:grid;place-items:center;border-radius:10px;border:1px solid var(--line);background:var(--surface)}
.pager a.on{background:var(--pri);color:#fff}

/* rich content */
.rich h2{margin-top:1.6em}.rich h3{margin-top:1.3em}
.rich ul,.rich ol{padding-left:1.3em}.rich li{margin-bottom:.4em}
.rich table{width:100%;border-collapse:collapse;margin:1em 0;font-size:.95rem;display:block;overflow-x:auto}
.rich th,.rich td{border:1px solid var(--line);padding:8px 10px;text-align:left}
.rich th{background:var(--surface2)}
.rich blockquote{margin:1.2em 0;padding:14px 18px;border-left:4px solid var(--acc);background:var(--surface);border-radius:0 12px 12px 0}
.rich .note{background:var(--warn-bg);border:1px solid color-mix(in srgb,var(--warn) 35%,transparent);border-radius:12px;padding:14px 16px}
.seo-text{max-width:900px;color:color-mix(in srgb,var(--text) 88%,var(--muted))}
.seo-text ul{padding-left:1.2em}
.updated{color:var(--muted);font-size:.9rem}

/* faq */
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:14px;margin-bottom:10px;overflow:hidden}
.faq summary{cursor:pointer;padding:15px 18px;font-weight:650;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.3rem;line-height:1;color:var(--pri);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details>div{padding:0 18px 4px;color:var(--muted)}

/* catalog */
.cat{display:grid;grid-template-columns:270px 1fr;gap:22px;align-items:start;margin-top:16px}
.filters{position:sticky;top:80px;display:flex;flex-direction:column;gap:12px}
.filters__h{font-weight:700;margin:0}
.filters label,.calc label,.review-form label,.quiz label{display:flex;flex-direction:column;gap:5px;font-size:.88rem;color:var(--muted)}
.filters fieldset{border:0;padding:0;margin:0;display:flex;flex-direction:column;gap:6px}
.filters legend{font-size:.88rem;color:var(--muted);margin-bottom:4px}
label.chk{flex-direction:row!important;align-items:center;gap:8px!important;color:var(--text)!important;cursor:pointer}
input[type=number],input[type=text],input[type=search],input[type=email],input[type=password],input:not([type]),select,textarea{width:100%;font:inherit;font-size:15px;color:var(--text);background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:10px 12px}
input:focus,select:focus,textarea:focus{outline:2px solid color-mix(in srgb,var(--pri) 45%,transparent);outline-offset:1px}
input[type=checkbox],input[type=radio]{accent-color:var(--acc);width:17px;height:17px}
@media (max-width:900px){.cat{grid-template-columns:1fr}.filters{position:static}}

/* tables */
.tbl-wrap{overflow-x:auto;border-radius:var(--r);border:1px solid var(--line);background:var(--surface)}
.tbl{width:100%;border-collapse:collapse;font-size:.95rem}
.tbl th,.tbl td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:middle}
.tbl thead th{background:var(--surface2);font-size:.82rem;color:var(--muted);font-weight:600}
.tbl tr:last-child td,.tbl tr:last-child th{border-bottom:0}
.mfo__main>.tbl{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:var(--surface)}
.mfo__main>.tbl th{width:42%;color:var(--muted);font-weight:500}
.tbl--sm th,.tbl--sm td{padding:6px 10px;font-size:.85rem}
.rt-name{display:flex;align-items:center;gap:10px;color:var(--text)}
.rt-name img{border-radius:6px;background:#fff;object-fit:contain}
.acc-txt{display:block;color:var(--acc-d);font-size:.8rem}
tr.out td{opacity:.45}
@media (max-width:700px){
  .tbl--rating thead{display:none}
  .tbl--rating tr{display:grid;grid-template-columns:1fr 1fr;padding:12px;border-bottom:1px solid var(--line);gap:4px 12px}
  .tbl--rating td{border:0;padding:2px 0}
  .tbl--rating td:first-child{display:none}
  .tbl--rating td:nth-child(2),.tbl--rating td:last-child{grid-column:1/-1}
  .tbl--rating td[data-l]::before{content:attr(data-l) ": ";color:var(--muted);font-size:.8rem}
}

/* offer page */
.mfo__head{display:grid;grid-template-columns:auto 1fr 260px;gap:24px;align-items:center}
.mfo__logo{width:130px;height:84px;border-radius:14px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;padding:8px}
.mfo__logo span{font-size:2rem;font-weight:800;color:var(--pri)}
.mfo__title h1{font-size:clamp(1.5rem,3vw,2.1rem);margin:.3em 0}
.mfo__grid{display:grid;grid-template-columns:1fr 300px;gap:28px;margin-top:28px}
.mfo__main h2{margin-top:1.8em}
.sticky{position:sticky;top:84px}
.side-h{font-weight:700;margin-bottom:10px}
.kv{list-style:none;padding:0;margin:0 0 12px}
.kv li{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px dashed var(--line);font-size:.93rem}
.kv span{color:var(--muted)}
.mfo__side .chips{margin-bottom:14px}
.mfo__side .cmp-chk{margin-top:10px}
.example{margin-top:18px}
.pc{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.pc>div{border-radius:var(--r);padding:16px 18px;border:1px solid var(--line);background:var(--surface)}
.pc ul{list-style:none;padding:0;margin:0}
.pc li{padding:5px 0 5px 26px;position:relative}
.pc__pros li::before{content:"✓";position:absolute;left:0;color:var(--acc-d);font-weight:800}
.pc__cons li::before{content:"–";position:absolute;left:4px;color:var(--danger);font-weight:800}
.howto{padding-left:1.2em}.howto li{margin-bottom:8px}
.checks{list-style:none;padding:0}.checks li{padding:4px 0 4px 26px;position:relative}.checks li::before{content:"✓";position:absolute;left:0;color:var(--acc-d);font-weight:800}
.promo{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;margin-top:18px}
.reviews{display:grid;gap:12px}
.review{margin:0;background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:14px 16px}
.review__h{display:flex;gap:10px;align-items:center;flex-wrap:wrap;margin-bottom:6px}
.review__h time{color:var(--muted);font-size:.8rem;margin-left:auto}
.review-form{display:flex;flex-direction:column;gap:12px;margin-top:18px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.hp{position:absolute;left:-5000px;opacity:0}
.form-msg{padding:10px 12px;border-radius:10px;background:var(--surface2)}
.mob-cta{display:none}
@media (max-width:900px){
  .mfo__head{grid-template-columns:1fr;text-align:left}
  .mfo__grid{grid-template-columns:1fr}
  .mfo__side{display:none}
  .mob-cta{display:block;position:fixed;left:0;right:0;bottom:0;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:color-mix(in srgb,var(--surface) 92%,transparent);backdrop-filter:blur(8px);border-top:1px solid var(--line);z-index:40}
  .p-offer .ftr{padding-bottom:80px}
  .pc,.row2{grid-template-columns:1fr}
}

/* article */
.art__head{max-width:860px}
.art__meta{display:flex;flex-wrap:wrap;gap:6px 18px;color:var(--muted);font-size:.88rem}
.art__grid{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:36px;margin-top:24px}
.art__body{font-size:1.05rem;line-height:1.75;max-width:780px}
.toc{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:14px 18px;margin-bottom:24px}
.toc__h{font-weight:700;margin:0 0 6px}
.toc ol{margin:0;padding-left:1.2em;font-size:.95rem}
.mini-offer{display:flex;gap:10px;align-items:center;padding:10px;border:1px solid var(--line);border-radius:12px;margin-bottom:8px;background:var(--surface);color:var(--text);text-decoration:none!important}
.mini-offer img{background:#fff;border-radius:6px;object-fit:contain}
.mini-offer span{display:flex;flex-direction:column;font-size:.9rem}
.mini-offer small{color:var(--muted)}
.author-box{display:flex;gap:14px;align-items:flex-start;margin-top:32px;padding:18px;border-radius:14px;background:var(--surface2)}
.author-box__av{flex:0 0 48px;height:48px;border-radius:50%;background:var(--pri);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.2rem}
.cta-box{display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap;background:linear-gradient(135deg,color-mix(in srgb,var(--pri) 12%,var(--surface)),color-mix(in srgb,var(--acc) 12%,var(--surface)));border:1px solid var(--line);border-radius:14px;padding:18px 20px;margin:1.5em 0}
.cta-box p{margin:0}
@media (max-width:960px){.art__grid{grid-template-columns:1fr}.art__side{display:none}}

/* calculator */
.calc .tabs{display:flex;gap:6px;background:var(--surface2);padding:4px;border-radius:12px;margin-bottom:18px;flex-wrap:wrap}
.calc .tabs button{flex:1;border:0;background:transparent;color:var(--muted);font:600 14px var(--font);padding:9px 12px;border-radius:9px;cursor:pointer}
.calc .tabs button.on{background:var(--surface);color:var(--text);box-shadow:var(--sh)}
.calc__grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.calc__in{display:flex;flex-direction:column;gap:12px}
.calc__out{background:var(--surface2);border-radius:14px;padding:18px;display:flex;flex-direction:column;gap:12px}
.big small{display:block;color:var(--muted)}
.big b{font-size:2.1rem;font-weight:800;color:var(--acc-d)}
.kv2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.kv2 small{display:block;color:var(--muted);font-size:.78rem}
.kv2 b{font-size:1.1rem}
.calc--compact{margin:1.5em 0}
.sched summary{cursor:pointer;color:var(--pri);font-weight:600}
.sched .tbl-wrap{max-height:320px;margin-top:10px}
@media (max-width:760px){.calc__grid{grid-template-columns:1fr}}

/* quiz */
.quiz{padding:24px}
.quiz legend{font-size:1.25rem;font-weight:700;margin-bottom:14px}
.quiz fieldset{border:0;padding:0;margin:0}
.opts{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,180px),1fr));gap:10px}
.opts label{position:relative}
.opts input{position:absolute;opacity:0}
.opts span{display:block;padding:14px 16px;border:1.5px solid var(--line);border-radius:12px;background:var(--surface);color:var(--text);font-weight:600;cursor:pointer;transition:border-color .12s,background .12s}
.opts input:checked+span,.opts span:hover{border-color:var(--acc);background:color-mix(in srgb,var(--acc) 10%,var(--surface))}
.opts input:focus-visible+span{outline:2px solid var(--pri)}
.quiz__nav{display:flex;align-items:center;gap:14px;margin-top:20px}
.quiz__bar{flex:1;height:6px;background:var(--surface2);border-radius:9px;overflow:hidden}
.quiz__bar i{display:block;height:100%;background:var(--acc);transition:width .25s}
.quiz__res{margin-top:24px}

/* compare */
.cmp-pick__list{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,180px),1fr));gap:6px;margin-bottom:14px}
.tbl--cmp th:first-child{color:var(--muted);font-weight:500;width:150px}
.cmp-bar{position:fixed;left:0;right:0;bottom:0;z-index:45;background:var(--surface);border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(0,0,0,.08)}
.cmp-bar__in{display:flex;align-items:center;gap:14px;height:62px}
.cmp-bar__in span{font-weight:600;margin-right:auto}

/* misc */
.gloss div{padding:14px 0;border-bottom:1px solid var(--line)}
.gloss dt{font-weight:700;font-size:1.05rem}
.gloss dd{margin:4px 0 0;color:var(--muted)}
.search{display:flex;gap:10px;margin:14px 0 24px}
.big404{font-size:6rem;font-weight:800;margin:0;color:var(--pri);line-height:1}
.warn-band{display:flex;gap:12px;align-items:flex-start;background:var(--warn-bg);border:1px solid color-mix(in srgb,var(--warn) 35%,transparent);border-radius:14px;padding:14px 18px;margin-top:24px;margin-bottom:0;color:var(--text);font-size:.9rem}
.warn-band svg{flex:0 0 22px;color:var(--warn);margin-top:2px}
.warn-band p{margin:0}
.ftr{margin-top:32px;background:var(--surface);border-top:1px solid var(--line);padding:36px 0 20px;font-size:.92rem}
.ftr__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:26px}
.ftr__grid a{display:block;color:var(--muted);padding:3px 0}
.ftr__grid p a{display:inline}
.ftr__h{font-weight:700;margin-bottom:8px}
.logo--ftr{margin-bottom:10px}
.ftr__legal{border-top:1px solid var(--line);margin-top:24px;padding-top:16px;color:var(--muted);font-size:.8rem}
@media (max-width:860px){.ftr__grid{grid-template-columns:1fr 1fr}.ftr__grid>div:first-child{grid-column:1/-1}}
.cookie{position:fixed;left:16px;bottom:16px;max-width:380px;z-index:60;background:var(--surface);border:1px solid var(--line);border-radius:14px;box-shadow:var(--sh);padding:14px 16px;display:flex;gap:12px;align-items:center;font-size:.85rem}
.cookie p{margin:0}
@media (max-width:480px){.cookie{left:8px;right:8px;max-width:none}.oc__cta{grid-template-columns:1fr}}
.toast{position:fixed;left:50%;bottom:90px;transform:translateX(-50%);background:var(--text);color:var(--bg);padding:10px 16px;border-radius:10px;z-index:99;font-size:.9rem}
/* compliance: NBU Resolution 100/130 — links underlined in contrast color, warning framed & bold */
.oc__docs{display:flex;flex-wrap:wrap;gap:4px 14px;margin:0;font-size:.95rem}
.oc__docs a{color:var(--pri);text-decoration:underline;text-underline-offset:2px}
.offers-warn{display:flex;gap:12px;align-items:flex-start;margin:18px 0 4px;padding:12px 16px;border:1.5px solid color-mix(in srgb,var(--warn) 55%,var(--line));border-radius:14px;background:color-mix(in srgb,var(--warn-bg) 70%,var(--surface));font-size:.95rem;line-height:1.5}
.offers-warn__ic{flex:0 0 22px;color:var(--warn);margin-top:1px}
.offers-warn p{margin:0}.offers-warn b{font-weight:600}
.offers-warn a{color:var(--pri);text-decoration:underline;text-underline-offset:2px}
.art__cover{display:block;width:100%;height:auto;aspect-ratio:16/9;border-radius:var(--r);margin-top:20px;box-shadow:var(--sh)}
.rich a,.seo-text a{text-decoration:underline;text-underline-offset:2px}
.oc__note{margin:0;font-size:.8rem;line-height:1.45;color:var(--muted);padding:8px 10px;border-radius:10px;background:var(--surface2)}
/* «Гід позичальника» на головній */
.know{display:grid;grid-template-columns:1.15fr 1fr;gap:0;border-radius:24px;overflow:hidden;border:1px solid var(--line);box-shadow:var(--sh);background:var(--surface)}
.know__intro{padding:36px 36px 32px;background:radial-gradient(600px 260px at 0% 0%,color-mix(in srgb,var(--acc) 14%,transparent),transparent 70%),var(--surface)}
.know__eyebrow{display:inline-block;margin:0 0 12px;font-size:.78rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--acc-d);background:color-mix(in srgb,var(--acc) 12%,transparent);padding:5px 12px;border-radius:99px}
.know__intro h2{margin-bottom:.7em}
.know__intro p{color:color-mix(in srgb,var(--text) 82%,var(--muted));line-height:1.7}
.know__facts{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:22px}
.know__facts div{padding:14px;border-radius:14px;background:var(--surface2);display:flex;flex-direction:column;gap:4px}
.know__facts b{font-size:1.5rem;font-weight:800;color:var(--pri);line-height:1.1}
.know__facts span{font-size:.82rem;color:var(--muted);line-height:1.35}
.know__list{padding:36px 32px;background:var(--surface2);border-left:1px solid var(--line)}
.know__list h3{font-size:1.15rem;margin-bottom:18px}
.know__list ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.know__list li{display:flex;gap:14px;align-items:flex-start;padding:14px;border-radius:14px;background:var(--surface);border:1px solid var(--line);transition:border-color .15s,transform .15s}
.know__list li:hover{border-color:color-mix(in srgb,var(--pri) 40%,var(--line));transform:translateX(3px)}
.know__list i{flex:0 0 40px;height:40px;border-radius:12px;display:grid;place-items:center;background:color-mix(in srgb,var(--pri) 12%,transparent);color:var(--pri)}
.know__list b{display:block;font-size:.98rem;margin-bottom:2px}
.know__list span{font-size:.88rem;color:var(--muted);line-height:1.45}
@media (max-width:900px){.know{grid-template-columns:1fr}.know__list{border-left:0;border-top:1px solid var(--line)}.know__intro,.know__list{padding:24px 20px}.know__facts{grid-template-columns:1fr 1fr 1fr}.know__facts b{font-size:1.2rem}}
@media (max-width:480px){.know__facts{grid-template-columns:1fr}}

/* SEO-тексти на інших сторінках — картка з акуратною типографікою */
.seo-text{max-width:none;background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:32px 36px;margin-top:8px;margin-bottom:8px;box-shadow:var(--sh);color:color-mix(in srgb,var(--text) 85%,var(--muted));line-height:1.7}
.seo-text.wrap{max-width:1168px}
.seo-text h2{position:relative;padding-left:16px;color:var(--text)}
.seo-text h2::before{content:"";position:absolute;left:0;top:.2em;bottom:.2em;width:4px;border-radius:4px;background:linear-gradient(var(--pri),var(--acc))}
.seo-text h2:not(:first-child){margin-top:1.6em}
.seo-text ul{list-style:none;padding-left:0}
.seo-text ul li{position:relative;padding-left:28px;margin-bottom:.55em}
.seo-text ul li::before{content:"";position:absolute;left:0;top:.35em;width:18px;height:18px;border-radius:50%;background:color-mix(in srgb,var(--acc) 16%,transparent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230e9f6e' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/11px no-repeat}
.seo-text ol{padding-left:1.3em}.seo-text ol li{margin-bottom:.55em;padding-left:4px}
.seo-text ol li::marker{font-weight:700;color:var(--pri)}
@media (max-width:700px){.seo-text{padding:22px 18px;border-radius:16px}}
@media (max-width:1200px){.seo-text.wrap{margin-left:16px;margin-right:16px}}
.seo-text > h2:first-child,.seo-text > h3:first-child{margin-top:0}
/* меню: суми */
.nav__sub{margin:8px 12px 4px;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.nav__sums{display:flex;flex-wrap:wrap;gap:6px;padding:0 8px 6px}
.nav__sums a{padding:5px 10px!important;border-radius:99px!important;background:var(--surface2);font-size:13px!important}

/* промокоди */
.promo-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,320px),1fr));gap:18px}
.promo-grid--wide{grid-template-columns:repeat(auto-fill,minmax(min(100%,380px),1fr))}
.pc-card{position:relative;display:flex;flex-direction:column;gap:12px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:18px;box-shadow:var(--sh);overflow:hidden}
.pc-card::before{content:"";position:absolute;inset:0 0 auto 0;height:4px;background:linear-gradient(90deg,var(--acc),var(--pri))}
.pc-card__head{display:flex;align-items:center;gap:12px}
.pc-card__who{display:flex;flex-direction:column;gap:4px;min-width:0;flex:1}
.pc-card__who a{color:var(--text)}
.pc-kind{align-self:flex-start;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em;padding:3px 9px;border-radius:99px}
.pc-kind--code{background:color-mix(in srgb,var(--acc) 15%,transparent);color:var(--acc-d)}
.pc-kind--act{background:color-mix(in srgb,var(--pri) 12%,transparent);color:var(--pri)}
.pc-card__head .ad-label{margin-left:auto}
.pc-card__title{margin:0;font-size:1.12rem}
.pc-card__desc{font-size:.92rem;color:color-mix(in srgb,var(--text) 80%,var(--muted));line-height:1.55;max-height:9.3em;overflow:auto}
.pc-code{display:flex;align-items:center;gap:10px;padding:10px 12px;border:2px dashed color-mix(in srgb,var(--acc) 55%,var(--line));border-radius:12px;background:color-mix(in srgb,var(--acc) 6%,var(--surface))}
.pc-code span{font-size:.8rem;color:var(--muted)}
.pc-code code{font:800 1.15rem/1 ui-monospace,SFMono-Regular,Menlo,monospace;letter-spacing:.06em;color:var(--text);margin-right:auto}
.pc-card__dates{margin:0;font-size:.88rem;color:var(--muted)}
.pc-soon{color:var(--warn);font-weight:700}
.pc-card__fine{margin:0;font-size:.75rem;color:var(--muted)}
.oc__gift{display:inline-flex;align-items:center;gap:6px;font-size:.82rem;font-weight:700;color:var(--acc-d)!important;background:color-mix(in srgb,var(--acc) 12%,transparent);padding:5px 10px;border-radius:10px;text-decoration:none!important;align-self:flex-start}
.promo-strip{margin-top:4px}
/* сторінки сум */
.sum-facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,180px),1fr));gap:12px;margin:18px 0 22px}
.sum-facts div{padding:14px 16px;border-radius:14px;background:var(--surface);border:1px solid var(--line);display:flex;flex-direction:column;gap:2px}
.sum-facts b{font-size:1.35rem;color:var(--pri)}
.sum-facts span{font-size:.85rem;color:var(--muted)}
.sum-tiles{display:flex;flex-wrap:wrap;gap:8px}
.sum-tiles a{padding:9px 16px;border-radius:99px;background:var(--surface);border:1px solid var(--line);color:var(--text);font-weight:600;text-decoration:none!important}
.sum-tiles a:hover{border-color:var(--pri);color:var(--pri)}

.nav>a,.nav__dd>a{white-space:nowrap}

.mfo__main,.art__body,.cat>div{min-width:0}
.rng span{flex-wrap:wrap;gap:2px 8px}
.calc__in,.calc__out{min-width:0}
@media (max-width:360px){.calc.card{padding:14px}.big b{font-size:1.7rem}.kv2{grid-template-columns:1fr}}

/* мобільне меню: підбірки розкриваються кнопкою, основні пункти — одразу видно */
.nav__toggle,.nav__cta{display:none}
@media (max-width:1120px){
  .nav{align-items:stretch;gap:0;padding:8px 16px 20px}
  .nav>a:not(.btn),.nav__dd>a{display:block;padding:13px 4px;font-size:16px;font-weight:600;border-radius:0;border-bottom:1px solid var(--line)}
  .nav__dd{display:flex;flex-wrap:wrap;align-items:center}
  .nav__dd>a{flex:1}
  .nav__toggle{display:grid;place-items:center;width:44px;height:44px;border:0;background:none;color:var(--text);cursor:pointer;border-bottom:1px solid var(--line);transition:transform .2s}
  .nav__dd.open .nav__toggle svg{transform:rotate(180deg)}
  .nav__dd .nav__menu,.nav__dd:hover .nav__menu,.nav__dd:focus-within .nav__menu{display:none;width:100%;padding:6px 0 10px 8px}
  .nav__dd.open .nav__menu{display:flex}
  .nav__cta{display:flex;margin-top:16px}
}
.nav>a.nav__cta{color:var(--acc-ink);justify-content:center;padding:13px;font-size:16px}
@media (max-width:1120px){.nav__toggle{height:auto;align-self:stretch;min-height:44px}}
/* каталог: компактний фільтр, що завжди вміщується в екран */
.filters{max-height:calc(100vh - 96px);overflow:auto;overscroll-behavior:contain;padding:16px;gap:0}
.filters__body{display:flex;flex-direction:column;gap:14px}
.filters__row{display:grid;grid-template-columns:1.3fr 1fr .8fr;gap:8px}
.filters__row input{padding:9px 10px}
.filters__toggle{display:none}
.pills{display:flex!important;flex-direction:row!important;flex-wrap:wrap;gap:6px!important}
.pills legend{width:100%;margin-bottom:6px}
.pill{position:relative;display:inline-flex!important;cursor:pointer}
.pill input{position:absolute;opacity:0;pointer-events:none}
.pill span{display:inline-flex;align-items:center;gap:5px;padding:6px 10px;border-radius:99px;border:1px solid var(--line);background:var(--surface);color:var(--text);font-size:.82rem;line-height:1.2;transition:background .12s,border-color .12s}
.pill span small{color:var(--muted);font-size:.72rem}
.pill:hover span{border-color:var(--pri)}
.pill input:checked+span{background:var(--pri);border-color:var(--pri);color:#fff}
.pill input:checked+span small{color:rgba(255,255,255,.8)}
.pill input:focus-visible+span{outline:2px solid var(--pri);outline-offset:2px}
.filters__foot{position:sticky;bottom:-16px;margin:0 -16px -16px;padding:12px 16px 16px;background:linear-gradient(to top,var(--surface) 75%,transparent);display:flex;align-items:center;gap:12px}
.filters__foot .link{white-space:nowrap;font-size:.9rem}
@media (max-width:900px){
  .filters{max-height:none;overflow:visible;padding:0}
  .filters__toggle{display:flex;align-items:center;justify-content:center;gap:8px;width:100%;padding:13px;border:0;background:none;color:var(--text);font:600 15px var(--font);cursor:pointer}
  .filters__toggle i{font-style:normal;background:var(--pri);color:#fff;border-radius:99px;min-width:20px;height:20px;font-size:12px;display:grid;place-items:center;padding:0 6px}
  .filters__body{display:none;padding:4px 16px 16px}
  .filters.open .filters__body{display:flex}
  .filters__foot{position:static;margin:0;padding:0;background:none}
}
@media (max-width:700px){
  .sum-tiles{flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none;-webkit-overflow-scrolling:touch;margin-left:-16px!important;margin-right:-16px!important;padding:2px 16px 6px}
  .sum-tiles::-webkit-scrollbar{display:none}
  .sum-tiles a{flex:0 0 auto;padding:8px 14px;font-size:.9rem}
}