/* bankblock — дизайн-токены из логотипа: синий #013D9F, ключ #D9A03C */
:root{
  --brand:#013D9F; --brand-dark:#0A2751; --brand-soft:#EAF1FB;
  --accent:#D9A03C; --accent-soft:#FDF4E3;
  --action:#1A5CFF; --action-hover:#1045D1;
  --bg:#F5F6F8; --white:#fff; --border:#E2E8F0;
  --text:#2B3441; --muted:#656E7E;
  --ok:#2E7D32; --ok-soft:#EAF7EF;
  --radius:10px; --shadow:0 2px 10px rgba(10,39,81,.06);
  --wrap:1280px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  background:var(--bg);color:var(--text);line-height:1.65;font-size:17px;-webkit-text-size-adjust:100%}
a{color:var(--action);text-decoration:none}
a:hover{text-decoration:underline}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
img,svg,video,iframe{max-width:100%;height:auto}
h1,h2,h3,h4,td,th,li,p,a,summary{overflow-wrap:anywhere}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}

/* шапка */
.site-header{background:var(--white);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100}
.header-inner{display:flex;align-items:center;gap:24px;min-height:68px}
.logo{display:flex;align-items:center;flex:0 0 auto}
.logo img{width:190px;height:auto;display:block}
.main-nav{margin-left:auto}
.main-nav ul{display:flex;gap:20px;list-style:none;flex-wrap:nowrap}
.main-nav a{color:var(--brand-dark);font-weight:600;font-size:15px;white-space:nowrap;
  padding:8px 2px;display:block;min-height:40px}
.main-nav a:hover,.main-nav a[aria-current]{color:var(--brand);text-decoration:none}
.main-nav a[aria-current]{box-shadow:inset 0 -3px 0 var(--accent)}
.nav-toggle{display:none;margin-left:auto;background:var(--brand-soft);border:0;border-radius:8px;
  color:var(--brand-dark);font-weight:600;font-size:15px;padding:11px 16px;cursor:pointer;min-height:44px}

/* сетка */
.layout{display:grid;grid-template-columns:270px minmax(0,1fr);gap:34px;
  max-width:var(--wrap);margin:0 auto;padding:26px 20px 60px}
.layout.no-toc{grid-template-columns:minmax(0,1fr)}
.side{position:sticky;top:92px;height:fit-content}
.side-block{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  padding:18px 20px;margin-bottom:18px;box-shadow:var(--shadow)}
.side-block h2,.side-block .side-title{font-size:15px;text-transform:uppercase;letter-spacing:.04em;
  color:var(--muted);margin-bottom:12px;font-weight:700}
.toc{list-style:none;counter-reset:toc}
.toc li{counter-increment:toc;border-bottom:1px dashed var(--border)}
.toc li:last-child{border-bottom:0}
.toc a{display:block;padding:9px 0 9px 26px;position:relative;font-size:15px;color:var(--brand-dark);line-height:1.4}
.toc a:before{content:counter(toc);position:absolute;left:0;top:9px;color:var(--accent);font-weight:700;font-size:13px}
.toc a:hover{color:var(--brand);text-decoration:none}

/* контент */
.breadcrumbs{font-size:14px;color:var(--muted);margin-bottom:14px}
.breadcrumbs a{color:var(--muted)}
h1{font-size:36px;line-height:1.22;color:var(--brand-dark);font-weight:800;margin-bottom:16px;letter-spacing:-.02em}
.lead{font-size:19px;color:var(--muted);margin-bottom:26px;max-width:70ch}
.updated{font-size:14px;color:var(--muted);margin-bottom:26px;display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.updated b{color:var(--text);font-weight:600}
article h2{font-size:27px;line-height:1.3;color:var(--brand-dark);font-weight:750;margin:44px 0 16px;
  padding-top:6px;letter-spacing:-.01em}
article h3{font-size:20px;color:var(--brand-dark);font-weight:700;margin:28px 0 10px}
article p{margin-bottom:16px;max-width:74ch}
article ul,article ol{margin:0 0 18px 22px}
article li{margin-bottom:9px;max-width:72ch}
article ul{list-style:disc}
article ol{list-style:decimal}
strong{font-weight:650;color:var(--brand-dark)}

/* цитата закона — фирменный блок */
.law{background:var(--white);border:1px solid var(--border);border-left:4px solid var(--brand);
  border-radius:var(--radius);padding:20px 22px;margin:24px 0;box-shadow:var(--shadow)}
.law-head{font-size:14px;font-weight:700;color:var(--brand);text-transform:uppercase;
  letter-spacing:.04em;margin-bottom:10px}
.law blockquote{font-size:16px;color:var(--text);margin:0 0 12px;padding:0}
.law .src{font-size:13.5px;color:var(--muted)}
.note{background:var(--accent-soft);border-left:4px solid var(--accent);border-radius:var(--radius);
  padding:18px 22px;margin:24px 0}
.note b{color:#8A5D12}
.ok-box{background:var(--ok-soft);border-left:4px solid var(--ok);border-radius:var(--radius);
  padding:18px 22px;margin:24px 0}

/* образцы документов */
.sample{background:var(--white);border:1px solid var(--border);border-left:4px solid var(--accent);
  border-radius:var(--radius);padding:20px 22px;margin:20px 0 26px;box-shadow:var(--shadow)}
.sample-head{font-size:14px;font-weight:700;color:#8A5D12;text-transform:uppercase;
  letter-spacing:.04em;margin-bottom:12px}
.sample p{margin-bottom:10px;font-size:16px;max-width:none}
.sample p:last-child{margin-bottom:0}
.sample em{color:var(--muted);font-style:normal;background:var(--accent-soft);padding:1px 5px;
  border-radius:4px;font-size:15px}

/* таблицы */
.table-wrap{overflow-x:auto;margin:0 0 26px;-webkit-overflow-scrolling:touch}
table{width:100%;min-width:520px;border-collapse:separate;border-spacing:0;background:var(--white);
  border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;font-size:15.5px}
th{background:var(--brand-dark);color:#fff;text-align:left;padding:13px 15px;font-weight:600;font-size:14.5px}
td{padding:13px 15px;border-bottom:1px solid var(--border);vertical-align:top}
tbody tr:last-child td{border-bottom:0}
tbody tr:nth-child(even) td{background:#FAFBFD}

/* шаги */
.steps{list-style:none;counter-reset:step;margin:24px 0 28px}
.steps li{counter-increment:step;background:var(--white);border:1px solid var(--border);
  border-radius:var(--radius);padding:18px 20px 18px 62px;position:relative;margin-bottom:12px;box-shadow:var(--shadow)}
.steps li:before{content:counter(step);position:absolute;left:18px;top:18px;width:30px;height:30px;
  background:var(--brand);color:#fff;border-radius:50%;display:flex;align-items:center;
  justify-content:center;font-weight:700;font-size:15px}
.steps h3{margin:0 0 6px;font-size:17.5px}
.steps p{margin:0;font-size:16px;color:var(--muted)}

/* карточки-ссылки */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0 28px}
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  padding:18px 20px;box-shadow:var(--shadow);display:block;color:inherit}
.card:hover{border-color:var(--brand);text-decoration:none;box-shadow:0 6px 18px rgba(10,39,81,.10)}
.card h3{margin:0 0 6px;font-size:17px;color:var(--brand)}
.card p{margin:0;font-size:15px;color:var(--muted)}

/* FAQ */
.faq details{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);
  padding:15px 20px;margin-bottom:10px}
.faq summary{list-style:none;cursor:pointer;font-weight:600;color:var(--brand-dark);
  display:flex;justify-content:space-between;gap:14px;min-height:28px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";color:var(--brand);font-size:22px;line-height:1;flex:0 0 auto}
.faq details[open] summary:after{content:"–"}
.faq details p{margin:12px 0 2px;font-size:16px}

/* подвал */
.site-footer{background:var(--brand-dark);color:#C7D3E6;padding:44px 0 26px;margin-top:40px;font-size:15px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
.site-footer h2{font-size:14px;text-transform:uppercase;letter-spacing:.05em;color:#fff;margin-bottom:14px}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:9px}
.site-footer a{color:#C7D3E6}
.site-footer a:hover{color:#fff}
.footer-about p{margin-bottom:12px;max-width:46ch}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:28px;padding-top:18px;
  font-size:14px;color:#93A5C0}
.disclaimer{background:rgba(255,255,255,.05);border-radius:var(--radius);padding:14px 16px;
  font-size:14px;line-height:1.55;margin-bottom:14px}

@media (max-width:1180px){
  .main-nav ul{gap:14px}
  .main-nav a{font-size:14px}
  .logo img{width:165px}
}
@media (max-width:1020px){
  .main-nav{position:absolute;left:0;right:0;top:100%;background:var(--white);
    border-bottom:1px solid var(--border);padding:10px 20px 16px;display:none;box-shadow:var(--shadow)}
  .main-nav.open{display:block}
  .main-nav ul{flex-direction:column;gap:0}
  .main-nav a{padding:12px 0;border-bottom:1px solid var(--border);font-size:16px}
  .nav-toggle{display:block}
  .site-header{position:relative}
  html{scroll-padding-top:20px}
  .layout{grid-template-columns:minmax(0,1fr);gap:0}
  .side{position:static;margin-bottom:22px}
  .cards{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  body{font-size:16px}
  h1{font-size:26px}
  article h2{font-size:21px;margin-top:34px}
  article h3{font-size:18px}
  .lead{font-size:17px}
  .cards{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  table{font-size:14px}
  .table-wrap{margin-left:-20px;margin-right:-20px;padding:0 20px}
  .steps li{padding-left:56px}
}
@media (hover:none){.card:hover{box-shadow:var(--shadow)}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}