*,
*::before,
*::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --color-bg: #f5f0eb;
    --color-bg-alt: #ede7df;
    --color-bg-card: #ffffff;
    --color-text: #2c2c2c;
    --color-text-light: #5a5a5a;
    --color-text-muted: #8a8a8a;
    --color-accent: #e8734a;
    --color-accent-dark: #d45e35;
    --color-accent-light: #fef0eb;
    --color-heading: #1a1a1a;
    --color-border: #e0dbd5;
    --color-border-light: #ece8e2;
    --color-green: #4a9d6e;
    --color-green-bg: #edf7f1;
    --color-blue: #4a7d9d;
    --color-blue-bg: #edf3f7;
    --color-yellow: #c49a2e;
    --color-yellow-bg: #fdf8ed;
    --font-heading: 'Playfair Display', 'DM Serif Display', Georgia, serif;
    --font-body: 'Inter', 'Source Sans 3', -apple-system, BlinkMacSystemFont, sans-serif;
    --font-accent: 'DM Serif Display', Georgia, serif;
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.06);
    --shadow-md: 0 4px 16px rgba(0,0,0,0.08);
    --shadow-lg: 0 8px 32px rgba(0,0,0,0.1);
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --max-width: 1200px;
    --transition: 0.3s ease;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-body);
    color: var(--color-text);
    background-color: var(--color-bg);
    line-height: 1.7;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    color: var(--color-accent);
    text-decoration: none;
    transition: color var(--transition);
}

a:hover {
    color: var(--color-accent-dark);
}

h1, h2, h3, h4 {
    font-family: var(--font-heading);
    color: var(--color-heading);
    line-height: 1.3;
}

.page-loader {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: var(--color-bg);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 9999;
    transition: opacity 0.5s, visibility 0.5s;
}

.page-loader.hidden {
    opacity: 0;
    visibility: hidden;
}

.loader-spinner {
    position: relative;
    width: 48px;
    height: 48px;
}

.loader-ring {
    position: absolute;
    width: 100%;
    height: 100%;
    border: 3px solid transparent;
    border-top-color: var(--color-accent);
    border-radius: 50%;
    animation: spin 1.2s linear infinite;
}

.loader-ring:nth-child(2) {
    width: 70%;
    height: 70%;
    top: 15%;
    left: 15%;
    border-top-color: var(--color-green);
    animation-duration: 1s;
    animation-direction: reverse;
}

.loader-ring:nth-child(3) {
    width: 40%;
    height: 40%;
    top: 30%;
    left: 30%;
    border-top-color: var(--color-blue);
    animation-duration: 0.8s;
}

@keyframes spin {
    to { transform: rotate(360deg); }
}

.site-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(245, 240, 235, 0.92);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--color-border-light);
    transition: background var(--transition), box-shadow var(--transition);
}

.site-header.scrolled {
    background: rgba(245, 240, 235, 0.98);
    box-shadow: var(--shadow-sm);
}

.header-inner {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 24px;
    height: 72px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--color-heading);
    text-decoration: none;
}

.logo:hover {
    color: var(--color-heading);
}

.logo-icon {
    display: flex;
    align-items: center;
}

.logo-text {
    font-family: var(--font-accent);
    font-size: 1.35rem;
    font-weight: 400;
    letter-spacing: -0.01em;
}

.logo-dot {
    color: var(--color-accent);
}

.main-nav ul {
    display: flex;
    list-style: none;
    gap: 32px;
}

.main-nav a {
    color: var(--color-text);
    font-size: 0.9rem;
    font-weight: 500;
    letter-spacing: 0.01em;
    padding: 6px 0;
    position: relative;
}

.main-nav a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--color-accent);
    transition: width var(--transition);
}

.main-nav a:hover::after {
    width: 100%;
}

.burger-btn {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    z-index: 1002;
}

.burger-btn span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--color-heading);
    transition: all var(--transition);
    border-radius: 2px;
}

.burger-btn.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.burger-btn.active span:nth-child(2) {
    opacity: 0;
}

.burger-btn.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

.burger-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(245, 240, 235, 0.98);
    z-index: 1001;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.4s, visibility 0.4s;
}

.burger-overlay.active {
    opacity: 1;
    visibility: visible;
}

.burger-nav ul {
    list-style: none;
    text-align: center;
}

.burger-nav li {
    margin-bottom: 24px;
}

.burger-nav a {
    font-family: var(--font-heading);
    font-size: 1.8rem;
    color: var(--color-heading);
    transition: color var(--transition);
}

.burger-nav a:hover {
    color: var(--color-accent);
}

.hero-section {
    margin-top: 72px;
    padding: 80px 24px;
    max-width: var(--max-width);
    margin-left: auto;
    margin-right: auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    min-height: 70vh;
}

.hero-badge {
    display: inline-block;
    background: var(--color-accent-light);
    color: var(--color-accent);
    font-size: 0.8rem;
    font-weight: 600;
    padding: 6px 16px;
    border-radius: 20px;
    margin-bottom: 20px;
    letter-spacing: 0.02em;
}

.hero-content h1 {
    font-size: 3.2rem;
    line-height: 1.15;
    margin-bottom: 24px;
    letter-spacing: -0.02em;
}

.hero-subtitle {
    font-size: 1.15rem;
    color: var(--color-text-light);
    line-height: 1.75;
    margin-bottom: 40px;
    max-width: 520px;
}

.hero-stats {
    display: flex;
    gap: 40px;
}

.stat-item {
    display: flex;
    flex-direction: column;
}

.stat-number {
    font-family: var(--font-accent);
    font-size: 1.8rem;
    color: var(--color-accent);
    line-height: 1.2;
}

.stat-label {
    font-size: 0.82rem;
    color: var(--color-text-muted);
    margin-top: 4px;
}

.hero-image {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}

.hero-image::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(232, 115, 74, 0.1) 0%, transparent 60%);
    pointer-events: none;
}

.hero-image img {
    width: 100%;
    height: 480px;
    object-fit: cover;
}

.intro-section {
    padding: 100px 24px;
    background: var(--color-bg-card);
}

.intro-inner {
    max-width: var(--max-width);
    margin: 0 auto;
}

.intro-text {
    max-width: 720px;
    margin-bottom: 60px;
}

.intro-text h2 {
    font-size: 2.2rem;
    margin-bottom: 20px;
}

.intro-text p {
    color: var(--color-text-light);
    font-size: 1.05rem;
    margin-bottom: 16px;
}

.intro-features {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.feature-card {
    background: var(--color-bg);
    padding: 36px 28px;
    border-radius: var(--radius-md);
    border: 1px solid var(--color-border-light);
    transition: transform var(--transition), box-shadow var(--transition);
}

.feature-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.feature-icon {
    color: var(--color-accent);
    margin-bottom: 16px;
}

.feature-card h3 {
    font-size: 1.15rem;
    margin-bottom: 10px;
}

.feature-card p {
    font-size: 0.92rem;
    color: var(--color-text-light);
}

.articles-section {
    padding: 100px 24px;
}

.articles-inner {
    max-width: var(--max-width);
    margin: 0 auto;
}

.section-header {
    margin-bottom: 52px;
}

.section-header h2 {
    font-size: 2.2rem;
    margin-bottom: 12px;
}

.section-header p {
    color: var(--color-text-light);
    font-size: 1.05rem;
    max-width: 600px;
}

.articles-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
}

.article-card {
    background: var(--color-bg-card);
    border-radius: var(--radius-md);
    overflow: hidden;
    border: 1px solid var(--color-border-light);
    transition: transform var(--transition), box-shadow var(--transition);
}

.article-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.article-card-featured {
    grid-column: 1 / -1;
    display: grid;
    grid-template-columns: 1.2fr 1fr;
}

.article-card-featured .article-image img {
    height: 100%;
    min-height: 340px;
}

.article-image {
    position: relative;
    overflow: hidden;
}

.article-image img {
    width: 100%;
    height: 240px;
    object-fit: cover;
    transition: transform 0.5s ease;
}

.article-card:hover .article-image img {
    transform: scale(1.04);
}

.article-tag {
    position: absolute;
    top: 16px;
    left: 16px;
    background: var(--color-accent);
    color: #fff;
    font-size: 0.75rem;
    font-weight: 600;
    padding: 4px 12px;
    border-radius: 20px;
    letter-spacing: 0.03em;
    text-transform: uppercase;
}

.article-content {
    padding: 28px;
    display: flex;
    flex-direction: column;
}

.article-content h3 {
    font-size: 1.3rem;
    margin-bottom: 12px;
    line-height: 1.35;
}

.article-content h3 a {
    color: var(--color-heading);
}

.article-content h3 a:hover {
    color: var(--color-accent);
}

.article-content p {
    font-size: 0.92rem;
    color: var(--color-text-light);
    margin-bottom: 16px;
    flex-grow: 1;
}

.article-meta {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.82rem;
    color: var(--color-text-muted);
    padding-top: 16px;
    border-top: 1px solid var(--color-border-light);
}

.read-more {
    font-weight: 600;
    color: var(--color-accent);
}

.tips-section {
    padding: 100px 24px;
    background: var(--color-bg-card);
}

.tips-inner {
    max-width: var(--max-width);
    margin: 0 auto;
}

.tips-header {
    margin-bottom: 52px;
}

.tips-header h2 {
    font-size: 2.2rem;
}

.tips-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.tip-card {
    background: var(--color-bg);
    padding: 36px 28px;
    border-radius: var(--radius-md);
    border: 1px solid var(--color-border-light);
    position: relative;
}

.tip-number {
    font-family: var(--font-accent);
    font-size: 2.5rem;
    color: var(--color-border);
    position: absolute;
    top: 20px;
    right: 24px;
    line-height: 1;
}

.tip-card h3 {
    font-size: 1.1rem;
    margin-bottom: 10px;
    padding-right: 40px;
}

.tip-card p {
    font-size: 0.9rem;
    color: var(--color-text-light);
}

.cta-section {
    padding: 100px 24px;
}

.cta-inner {
    max-width: var(--max-width);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.cta-image {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.cta-image img {
    width: 100%;
    height: 400px;
    object-fit: cover;
}

.cta-content h2 {
    font-size: 2.2rem;
    margin-bottom: 16px;
}

.cta-content p {
    color: var(--color-text-light);
    font-size: 1.05rem;
    margin-bottom: 32px;
    line-height: 1.75;
}

.cta-links {
    display: flex;
    gap: 16px;
}

.btn {
    display: inline-block;
    padding: 14px 28px;
    border-radius: var(--radius-sm);
    font-size: 0.92rem;
    font-weight: 600;
    letter-spacing: 0.01em;
    transition: all var(--transition);
    text-decoration: none;
}

.btn-primary {
    background: var(--color-accent);
    color: #fff;
}

.btn-primary:hover {
    background: var(--color-accent-dark);
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(232, 115, 74, 0.3);
}

.btn-secondary {
    background: transparent;
    color: var(--color-accent);
    border: 2px solid var(--color-accent);
}

.btn-secondary:hover {
    background: var(--color-accent-light);
    transform: translateY(-2px);
}

.article-page {
    margin-top: 72px;
}

.article-hero {
    padding: 80px 24px 60px;
    background: linear-gradient(135deg, var(--color-bg-alt) 0%, var(--color-bg) 100%);
}

.article-hero-content {
    max-width: 800px;
    margin: 0 auto;
}

.article-category {
    display: inline-block;
    background: var(--color-accent-light);
    color: var(--color-accent);
    font-size: 0.8rem;
    font-weight: 600;
    padding: 5px 14px;
    border-radius: 20px;
    margin-bottom: 20px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.article-hero h1 {
    font-size: 2.6rem;
    margin-bottom: 20px;
    line-height: 1.2;
}

.article-lead {
    font-size: 1.15rem;
    color: var(--color-text-light);
    line-height: 1.75;
    margin-bottom: 24px;
}

.article-info {
    display: flex;
    gap: 24px;
    font-size: 0.85rem;
    color: var(--color-text-muted);
}

.article-body {
    max-width: 800px;
    margin: 0 auto;
    padding: 48px 24px 80px;
}

.article-main-image {
    margin-bottom: 48px;
    border-radius: var(--radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.article-main-image img {
    width: 100%;
    height: 420px;
    object-fit: cover;
}

.article-main-image figcaption {
    padding: 12px 16px;
    font-size: 0.82rem;
    color: var(--color-text-muted);
    background: var(--color-bg-alt);
}

.article-section {
    margin-bottom: 48px;
}

.article-section h2 {
    font-size: 1.8rem;
    margin-bottom: 16px;
}

.article-section h3 {
    font-size: 1.3rem;
    margin-top: 28px;
    margin-bottom: 12px;
}

.article-section p {
    margin-bottom: 16px;
    color: var(--color-text-light);
    font-size: 1.02rem;
}

.article-list {
    padding-left: 24px;
    margin-bottom: 20px;
}

.article-list li {
    margin-bottom: 8px;
    color: var(--color-text-light);
    font-size: 1.02rem;
}

.info-box {
    background: var(--color-blue-bg);
    border-left: 4px solid var(--color-blue);
    padding: 24px;
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    margin: 28px 0;
}

.info-box h4 {
    font-size: 1rem;
    color: var(--color-blue);
    margin-bottom: 8px;
}

.info-box p {
    font-size: 0.95rem;
    margin-bottom: 0;
}

.category-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin: 24px 0;
}

.category-item {
    background: var(--color-bg);
    padding: 24px;
    border-radius: var(--radius-sm);
    border: 1px solid var(--color-border-light);
}

.category-item h4 {
    font-size: 1rem;
    margin-bottom: 8px;
    color: var(--color-accent);
}

.category-item p {
    font-size: 0.9rem;
    margin-bottom: 0;
}

.priority-list {
    margin: 24px 0;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.priority-item {
    padding: 24px;
    border-radius: var(--radius-sm);
}

.priority-high {
    background: #fef0eb;
    border-left: 4px solid var(--color-accent);
}

.priority-medium {
    background: var(--color-yellow-bg);
    border-left: 4px solid var(--color-yellow);
}

.priority-low {
    background: var(--color-green-bg);
    border-left: 4px solid var(--color-green);
}

.priority-label {
    font-weight: 700;
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    display: block;
    margin-bottom: 8px;
}

.priority-high .priority-label { color: var(--color-accent); }
.priority-medium .priority-label { color: var(--color-yellow); }
.priority-low .priority-label { color: var(--color-green); }

.priority-item p {
    font-size: 0.95rem;
    margin-bottom: 0;
}

.quarter-timeline {
    margin: 24px 0;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.quarter-item {
    background: var(--color-bg);
    border-radius: var(--radius-sm);
    padding: 24px;
    border: 1px solid var(--color-border-light);
}

.quarter-header {
    margin-bottom: 10px;
}

.quarter-name {
    font-family: var(--font-heading);
    font-size: 1.1rem;
    color: var(--color-accent);
    font-weight: 600;
}

.quarter-item p {
    font-size: 0.95rem;
    margin-bottom: 0;
}

.budget-breakdown {
    margin: 28px 0;
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.budget-item {
    display: flex;
    gap: 24px;
    align-items: flex-start;
    padding: 28px;
    background: var(--color-bg);
    border-radius: var(--radius-md);
    border: 1px solid var(--color-border-light);
}

.budget-percent {
    font-family: var(--font-accent);
    font-size: 2.4rem;
    color: var(--color-accent);
    line-height: 1;
    min-width: 80px;
}

.budget-details h4 {
    font-size: 1.1rem;
    margin-bottom: 8px;
}

.budget-details p {
    font-size: 0.92rem;
    margin-bottom: 0;
}

.envelope-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 16px;
    margin: 24px 0;
}

.envelope-item {
    background: var(--color-accent-light);
    padding: 24px 20px;
    border-radius: var(--radius-sm);
    text-align: center;
    border: 1px solid rgba(232, 115, 74, 0.15);
}

.envelope-amount {
    display: block;
    font-family: var(--font-accent);
    font-size: 1.6rem;
    color: var(--color-accent);
    margin-bottom: 8px;
}

.envelope-label {
    font-size: 0.85rem;
    color: var(--color-text-light);
}

.tools-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin: 24px 0;
}

.tool-card {
    background: var(--color-bg);
    padding: 24px;
    border-radius: var(--radius-sm);
    border: 1px solid var(--color-border-light);
}

.tool-card h4 {
    font-size: 1rem;
    margin-bottom: 8px;
    color: var(--color-accent);
}

.tool-card p {
    font-size: 0.9rem;
    margin-bottom: 0;
}

.mistakes-list {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin: 24px 0;
}

.mistake-item {
    background: #fef5f5;
    padding: 24px;
    border-radius: var(--radius-sm);
    border-left: 4px solid #d9534f;
}

.mistake-item h4 {
    font-size: 1rem;
    margin-bottom: 8px;
    color: #d9534f;
}

.mistake-item p {
    font-size: 0.92rem;
    margin-bottom: 0;
}

.calendar-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin: 24px 0;
}

.calendar-item {
    background: var(--color-bg);
    border-radius: var(--radius-sm);
    overflow: hidden;
    border: 1px solid var(--color-border-light);
}

.calendar-month {
    background: var(--color-accent);
    color: #fff;
    padding: 10px 20px;
    font-family: var(--font-heading);
    font-size: 1rem;
}

.calendar-content {
    padding: 20px;
}

.calendar-content h4 {
    font-size: 1rem;
    margin-bottom: 8px;
}

.calendar-content p {
    font-size: 0.9rem;
    margin-bottom: 0;
}

.compare-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin: 24px 0;
}

.compare-item {
    background: var(--color-bg);
    padding: 24px;
    border-radius: var(--radius-sm);
    border: 1px solid var(--color-border-light);
}

.compare-item h4 {
    font-size: 1rem;
    margin-bottom: 8px;
    color: var(--color-accent);
}

.compare-item p {
    font-size: 0.9rem;
    margin-bottom: 0;
}

.checklist {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin: 24px 0;
}

.checklist-item {
    background: var(--color-green-bg);
    padding: 24px;
    border-radius: var(--radius-sm);
    border-left: 4px solid var(--color-green);
}

.checklist-item h4 {
    font-size: 1rem;
    margin-bottom: 8px;
    color: var(--color-green);
}

.checklist-item p {
    font-size: 0.92rem;
    margin-bottom: 0;
}

.finance-options {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin: 24px 0;
}

.finance-item {
    background: var(--color-bg);
    padding: 24px;
    border-radius: var(--radius-sm);
    border: 1px solid var(--color-border-light);
}

.finance-item h4 {
    font-size: 1rem;
    margin-bottom: 8px;
    color: var(--color-accent);
}

.finance-item p {
    font-size: 0.92rem;
    margin-bottom: 0;
}

.article-nav {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    margin-top: 48px;
    padding-top: 32px;
    border-top: 1px solid var(--color-border);
}

.article-nav a {
    font-weight: 600;
    font-size: 0.95rem;
}

.page-hero {
    margin-top: 72px;
    padding: 80px 24px;
    background: linear-gradient(135deg, var(--color-bg-alt) 0%, var(--color-bg) 100%);
}

.page-hero-compact {
    padding: 60px 24px;
}

.page-hero-content {
    max-width: var(--max-width);
    margin: 0 auto;
}

.page-hero h1 {
    font-size: 2.6rem;
    margin-bottom: 12px;
}

.page-hero p {
    font-size: 1.1rem;
    color: var(--color-text-light);
    max-width: 600px;
}

.about-section,
.contact-section,
.policy-section {
    padding: 80px 24px;
}

.about-inner,
.contact-inner,
.policy-inner {
    max-width: 900px;
    margin: 0 auto;
}

.about-content h2 {
    font-size: 1.8rem;
    margin-top: 40px;
    margin-bottom: 16px;
}

.about-content h2:first-child {
    margin-top: 0;
}

.about-content p {
    color: var(--color-text-light);
    font-size: 1.02rem;
    margin-bottom: 16px;
}

.about-list {
    padding-left: 24px;
    margin-bottom: 20px;
}

.about-list li {
    margin-bottom: 8px;
    color: var(--color-text-light);
    font-size: 1.02rem;
}

.values-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin: 24px 0;
}

.value-card {
    background: var(--color-bg);
    padding: 28px;
    border-radius: var(--radius-sm);
    border: 1px solid var(--color-border-light);
}

.value-card h3 {
    font-size: 1.1rem;
    margin-bottom: 10px;
    color: var(--color-accent);
}

.value-card p {
    font-size: 0.92rem;
    margin-bottom: 0;
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
}

.contact-info h2,
.contact-text h2 {
    font-size: 1.8rem;
    margin-bottom: 24px;
}

.contact-card {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.contact-item {
    background: var(--color-bg);
    padding: 28px;
    border-radius: var(--radius-sm);
    border: 1px solid var(--color-border-light);
}

.contact-item h3 {
    font-size: 1.1rem;
    margin-bottom: 10px;
    color: var(--color-accent);
}

.contact-item p {
    font-size: 0.92rem;
    color: var(--color-text-light);
    margin-bottom: 8px;
}

.contact-item a {
    font-weight: 600;
    font-size: 0.95rem;
}

.contact-text p {
    color: var(--color-text-light);
    font-size: 1.02rem;
    margin-bottom: 16px;
}

.contact-note {
    background: var(--color-yellow-bg);
    border-left: 4px solid var(--color-yellow);
    padding: 24px;
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    margin-top: 28px;
}

.contact-note h3 {
    font-size: 1rem;
    color: var(--color-yellow);
    margin-bottom: 8px;
}

.contact-note p {
    font-size: 0.92rem;
    margin-bottom: 0;
}

.policy-content {
    background: var(--color-bg-card);
    padding: 48px;
    border-radius: var(--radius-md);
    border: 1px solid var(--color-border-light);
}

.policy-date {
    font-size: 0.85rem;
    color: var(--color-text-muted);
    margin-bottom: 32px;
}

.policy-content h2 {
    font-size: 1.4rem;
    margin-top: 36px;
    margin-bottom: 12px;
}

.policy-content h2:first-of-type {
    margin-top: 0;
}

.policy-content p {
    color: var(--color-text-light);
    font-size: 0.95rem;
    margin-bottom: 12px;
}

.policy-content ul {
    padding-left: 24px;
    margin-bottom: 16px;
}

.policy-content li {
    color: var(--color-text-light);
    font-size: 0.95rem;
    margin-bottom: 6px;
}

.site-footer {
    background: #2c2c2c;
    color: #c0c0c0;
    padding: 64px 24px 32px;
}

.footer-inner {
    max-width: var(--max-width);
    margin: 0 auto;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 48px;
}

.footer-logo .logo-text {
    color: #fff;
    font-size: 1.2rem;
}

.footer-desc {
    font-size: 0.88rem;
    line-height: 1.7;
    margin-top: 16px;
    color: #999;
}

.footer-col h4 {
    color: #fff;
    font-family: var(--font-body);
    font-size: 0.9rem;
    font-weight: 600;
    margin-bottom: 16px;
    letter-spacing: 0.03em;
}

.footer-col ul {
    list-style: none;
}

.footer-col li {
    margin-bottom: 10px;
}

.footer-col a {
    color: #999;
    font-size: 0.88rem;
    transition: color var(--transition);
}

.footer-col a:hover {
    color: var(--color-accent);
}

.footer-col p {
    font-size: 0.88rem;
    color: #999;
    margin-bottom: 8px;
}

.footer-col p a {
    color: var(--color-accent);
}

.footer-bottom {
    border-top: 1px solid #444;
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.footer-bottom p {
    font-size: 0.82rem;
    color: #777;
}

.footer-note a {
    color: #999;
}

.cookie-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 2000;
    background: #2c2c2c;
    box-shadow: 0 -4px 24px rgba(0,0,0,0.15);
}

.cookie-inner {
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 20px 24px;
    display: flex;
    align-items: center;
    gap: 24px;
}

.cookie-text {
    flex: 1;
}

.cookie-text p {
    color: #c0c0c0;
    font-size: 0.88rem;
    line-height: 1.6;
}

.cookie-text a {
    color: var(--color-accent);
    text-decoration: underline;
}

.cookie-actions {
    display: flex;
    gap: 12px;
    flex-shrink: 0;
}

.cookie-btn {
    padding: 10px 24px;
    border: none;
    border-radius: var(--radius-sm);
    font-size: 0.88rem;
    font-weight: 600;
    cursor: pointer;
    transition: all var(--transition);
}

.cookie-accept {
    background: var(--color-accent);
    color: #fff;
}

.cookie-accept:hover {
    background: var(--color-accent-dark);
}

.cookie-reject {
    background: transparent;
    color: #c0c0c0;
    border: 1px solid #666;
}

.cookie-reject:hover {
    background: #444;
}

@media (max-width: 1024px) {
    .hero-section {
        grid-template-columns: 1fr;
        gap: 40px;
        min-height: auto;
        padding: 60px 24px;
    }

    .hero-image img {
        height: 360px;
    }

    .articles-grid {
        grid-template-columns: 1fr;
    }

    .article-card-featured {
        grid-template-columns: 1fr;
    }

    .article-card-featured .article-image img {
        min-height: auto;
        height: 280px;
    }

    .tips-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .cta-inner {
        grid-template-columns: 1fr;
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr;
    }

    .calendar-grid {
        grid-template-columns: 1fr;
    }

    .compare-grid,
    .tools-grid {
        grid-template-columns: 1fr;
    }

    .contact-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .main-nav {
        display: none;
    }

    .burger-btn {
        display: flex;
    }

    .hero-content h1 {
        font-size: 2.2rem;
    }

    .hero-stats {
        gap: 24px;
    }

    .intro-features {
        grid-template-columns: 1fr;
    }

    .tips-grid {
        grid-template-columns: 1fr;
    }

    .category-grid {
        grid-template-columns: 1fr;
    }

    .values-grid {
        grid-template-columns: 1fr;
    }

    .envelope-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .footer-bottom {
        flex-direction: column;
        gap: 8px;
        text-align: center;
    }

    .article-hero h1 {
        font-size: 2rem;
    }

    .article-main-image img {
        height: 280px;
    }

    .budget-item {
        flex-direction: column;
        gap: 12px;
    }

    .budget-percent {
        min-width: auto;
    }

    .cookie-inner {
        flex-direction: column;
        text-align: center;
    }

    .article-nav {
        flex-direction: column;
    }

    .page-hero h1 {
        font-size: 2rem;
    }

    .policy-content {
        padding: 28px 20px;
    }
}

@media (max-width: 480px) {
    .header-inner {
        padding: 0 16px;
        height: 60px;
    }

    .hero-section {
        margin-top: 60px;
        padding: 40px 16px;
    }

    .hero-content h1 {
        font-size: 1.8rem;
    }

    .hero-image img {
        height: 260px;
    }

    .stat-number {
        font-size: 1.4rem;
    }

    .section-header h2,
    .tips-header h2,
    .intro-text h2,
    .cta-content h2 {
        font-size: 1.6rem;
    }

    .article-hero {
        padding: 60px 16px 40px;
    }

    .article-body {
        padding: 32px 16px 60px;
    }

    .article-hero h1 {
        font-size: 1.6rem;
    }

    .article-section h2 {
        font-size: 1.4rem;
    }

    .page-hero {
        margin-top: 60px;
        padding: 40px 16px;
    }

    .page-hero h1 {
        font-size: 1.6rem;
    }

    .envelope-grid {
        grid-template-columns: 1fr;
    }
}