:root{--bg:#f7f8fc;--card:#fff;--ink:#0f172a;--mut:#64748b;--line:#e5e7f0;--brand:#6366f1;--brand2:#8b5cf6;--ok:#10b981;--r:16px;--sh:0 1px 2px rgba(15,23,42,.05),0 8px 24px rgba(15,23,42,.06)}
@media(prefers-color-scheme:dark){:root{--bg:#0b1020;--card:#131a2e;--ink:#e8ecf8;--mut:#93a0bd;--line:#232c47;--sh:0 1px 2px rgba(0,0,0,.3),0 8px 24px rgba(0,0,0,.35)}}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Inter,Helvetica,Arial,sans-serif;-webkit-font-smoothing:antialiased}
a{color:var(--brand);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}
header.nav{position:sticky;top:0;z-index:10;background:color-mix(in srgb,var(--bg) 85%,transparent);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
header.nav .wrap{display:flex;align-items:center;gap:18px;height:60px}
.logo{font-weight:800;font-size:1.25rem;letter-spacing:-.02em;color:var(--ink)}
.logo span{background:linear-gradient(135deg,var(--brand),var(--brand2));-webkit-background-clip:text;background-clip:text;color:transparent}
nav.links{display:flex;gap:4px;overflow-x:auto;scrollbar-width:none;margin-left:auto}
nav.links a{color:var(--mut);font-size:.9rem;padding:6px 10px;border-radius:8px;white-space:nowrap}
nav.links a:hover{background:var(--card);color:var(--ink);text-decoration:none}
.hero{padding:56px 0 30px;text-align:center}
.hero h1{font-size:clamp(1.9rem,5vw,3.1rem);line-height:1.12;letter-spacing:-.03em;margin:0 0 14px}
.hero h1 em{font-style:normal;background:linear-gradient(135deg,var(--brand),var(--brand2));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p{max-width:640px;margin:0 auto;color:var(--mut);font-size:1.08rem}
.hero.small{padding:34px 0 8px;text-align:left}
.hero.small h1{font-size:clamp(1.6rem,4vw,2.3rem)}
.hero.small p{margin:0}
.crumbs{font-size:.85rem;color:var(--mut);margin-bottom:8px}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;margin:26px 0}
.tile{display:block;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px;box-shadow:var(--sh);color:var(--ink);transition:transform .15s,border-color .15s}
.tile:hover{transform:translateY(-3px);border-color:var(--brand);text-decoration:none}
.tile i{font-style:normal;font-size:1.8rem;display:block;margin-bottom:8px}
.tile b{display:block;font-size:1.05rem}
.tile span{color:var(--mut);font-size:.9rem}
.grid2{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,6fr);gap:20px;align-items:start;margin:20px 0}
@media(max-width:820px){.grid2{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px;box-shadow:var(--sh)}
form.calc{display:grid;gap:14px}
.f{display:grid;gap:5px;font-size:.88rem;color:var(--mut);font-weight:600}
.f input,.f select{width:100%;font:inherit;font-size:1rem;font-weight:500;color:var(--ink);background:var(--bg);border:1.5px solid var(--line);border-radius:10px;padding:11px 12px;outline:none}
.f input:focus,.f select:focus{border-color:var(--brand);box-shadow:0 0 0 3px color-mix(in srgb,var(--brand) 20%,transparent)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.big{text-align:center;padding:6px 0 14px}
.big small{color:var(--mut);display:block;font-weight:600}
.big b{display:block;font-size:clamp(2.2rem,6vw,3.2rem);letter-spacing:-.03em;line-height:1.15;color:var(--ok)}
.big span{color:var(--mut);font-size:.9rem}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(110px,1fr));gap:10px;margin:8px 0 16px}
.kpis div{background:var(--bg);border-radius:12px;padding:10px 12px;text-align:center}
.kpis small{display:block;color:var(--mut);font-size:.78rem}
.kpis b{font-size:1.05rem}
.bar{display:flex;height:14px;border-radius:99px;overflow:hidden;background:var(--line);margin:6px 0}
.bar i{display:block;height:100%}
.legend{display:flex;flex-wrap:wrap;gap:6px 14px;font-size:.78rem;color:var(--mut);margin-bottom:12px}
.legend em{display:inline-block;width:9px;height:9px;border-radius:3px;margin-right:5px}
table{width:100%;border-collapse:collapse}
table.rows td,table.rows th{padding:9px 4px;border-bottom:1px solid var(--line);text-align:left;font-size:.95rem}
table.rows td:nth-child(2),table.rows td:nth-child(3),table.rows th:nth-child(2),table.rows th:nth-child(3){text-align:right;font-variant-numeric:tabular-nums}
table.rows td:nth-child(3){color:var(--mut)}
table.rows tr.total td{font-weight:800;border-bottom:0;color:var(--ok)}
.data{width:100%;border-collapse:collapse;margin:10px 0}
.data th,.data td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:right;font-variant-numeric:tabular-nums;font-size:.93rem}
.data th:first-child,.data td:first-child{text-align:left}
.data thead th{background:var(--card);color:var(--mut);font-size:.8rem;text-transform:uppercase;letter-spacing:.04em}
.scroll{overflow-x:auto;border:1px solid var(--line);border-radius:12px;background:var(--card)}
.note{background:color-mix(in srgb,var(--brand) 10%,transparent);border-radius:12px;padding:12px 14px;font-size:.92rem;margin:12px 0}
.note.ok{background:color-mix(in srgb,var(--ok) 14%,transparent)}
details{margin-top:10px}summary{cursor:pointer;color:var(--brand);font-weight:600}
.chart{width:100%;height:auto;margin:6px 0}
.ad{margin:22px auto;min-height:100px;border:1.5px dashed var(--line);border-radius:12px;display:grid;place-items:center;color:var(--mut);font-size:.8rem}
article{margin:30px 0}
article h2{font-size:1.4rem;letter-spacing:-.02em;margin:30px 0 8px}
article p,article li{color:color-mix(in srgb,var(--ink) 85%,var(--mut))}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:12px 16px;margin:8px 0}
.faq summary{color:var(--ink)}
.states{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:8px;margin:12px 0}
.states a{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:8px 12px;font-size:.9rem;color:var(--ink)}
.states a:hover{border-color:var(--brand);text-decoration:none}
footer{margin-top:60px;border-top:1px solid var(--line);padding:30px 0;color:var(--mut);font-size:.88rem}
footer .wrap{display:flex;flex-wrap:wrap;gap:12px 24px;justify-content:space-between}
footer nav a{margin-right:14px}
.tag{display:inline-block;background:color-mix(in srgb,var(--ok) 15%,transparent);color:var(--ok);font-size:.72rem;font-weight:700;padding:2px 8px;border-radius:99px;margin-left:6px}