.hi{max-width:1200px;margin:34px auto 10px;padding:0 20px}
.hi-card{background:linear-gradient(180deg,#f0fdf4,#ffffff 40%,#eff6ff);border:1px solid #dbe6f5;border-radius:22px;padding:28px;box-shadow:0 14px 34px rgba(15,42,74,.10)}
.hi-head{position:static!important;background:none!important;box-shadow:none!important;padding:0!important;border:0!important}
.hi-badge{display:inline-block;background:#0f2a4a;color:#fff;border-radius:999px;padding:4px 12px;font-weight:700;font-size:.85rem}
.hi h2{color:#0f2a4a;font-size:clamp(1.5rem,3vw,2.1rem);margin:8px 0 6px}.hi-lead{color:#1e3a5f;font-size:1.08rem;line-height:1.7;max-width:820px;margin:0 0 16px}
.hi-ex{background:#0f2a4a;color:#fff;border-radius:16px;padding:16px 20px;margin-bottom:18px}.hi-ex h3{margin:0 0 6px;color:#fff;font-size:1.1rem}.hi-ex ul{margin:0;padding-right:20px;line-height:1.75}.hi-ex strong{color:#fca5a5}.hi-note{margin:8px 0 0;font-size:.82rem;color:#cbd5e1}
.hi-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.hi-item{background:#fff;border:1px solid #dbe6f5;border-top:4px solid #1d4ed8;border-radius:14px;padding:14px;transition:transform .2s,box-shadow .2s}
.hi-item:hover{transform:translateY(-5px);box-shadow:0 14px 28px rgba(29,78,216,.14)}
.hi-item>span{font-size:1.6rem}.hi-item h3{margin:4px 0 6px;color:#0f2a4a;font-size:1.05rem}.hi-item p{margin:0;color:#334155;line-height:1.6;font-size:.95rem}
.hi-adv{border-top-color:#16a34a;background:#f0fdf4}
.hi-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}
.hi-btn,.hi-sec{display:inline-flex;align-items:center;min-height:48px;padding:10px 22px;border-radius:12px;font-weight:800;text-decoration:none;transition:transform .2s,box-shadow .2s}
.hi-btn{background:#15803d;color:#fff}.hi-btn:hover{background:#166534;transform:translateY(-2px);box-shadow:0 8px 18px rgba(21,128,61,.3)}
.hi-sec{border:2px solid #1d4ed8;color:#1d4ed8;background:#fff}.hi-sec:hover{background:#eff6ff}
.hi a:focus-visible{outline:3px solid #f59e0b;outline-offset:3px}
.hi-src{font-size:.82rem;color:#475569;margin:14px 0 0}.hi-src a{color:#1d4ed8}
@media(max-width:1000px){.hi-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:560px){.hi{padding:0 12px}.hi-card{padding:18px}.hi-grid{grid-template-columns:1fr}.hi-btn,.hi-sec{flex:1 1 100%;justify-content:center}}
@media(prefers-reduced-motion:reduce){.hi-item,.hi-btn{transition:none}.hi-item:hover{transform:none}}
.hy{margin-top:20px;background:#fff;border:2px solid #1d4ed8;border-radius:18px;padding:20px;box-shadow:0 10px 24px rgba(29,78,216,.10)}
.hy h3{margin:0;color:#0f2a4a;font-size:1.3rem}.hy-sub{margin:4px 0 14px;color:#475569}
.hy-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px 16px}
.hy-grid label{display:flex;flex-direction:column;gap:4px;font-weight:700;color:#0f2a4a}
.hy-grid input{min-height:48px;padding:8px 12px;font:inherit;font-size:1.05rem;border:2px solid #cbd5e1;border-radius:10px;direction:ltr;text-align:right;width:100%;box-sizing:border-box;color:#0f2a4a}
.hy-grid input:focus{border-color:#1d4ed8}.hy-grid small{font-weight:400;color:#475569;font-size:.82rem}
.hy-link{background:none;border:0;color:#1d4ed8;text-decoration:underline;font:inherit;cursor:pointer;padding:0;min-height:24px}
.hy :focus-visible{outline:3px solid #f59e0b;outline-offset:2px}
.hy-res{margin-top:16px}.hy-kpi{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:10px;margin:0}
.hy-kpi div{background:#f8fbff;border:1px solid #dbe6f5;border-radius:12px;padding:10px;transition:transform .2s}.hy-kpi div:hover{transform:translateY(-3px)}
.hy-kpi dt{font-size:.82rem;color:#475569}.hy-kpi dd{margin:4px 0 0;font-weight:800;font-size:1.15rem;color:#0f2a4a}
.hy-kpi dd.neg{color:#b91c1c}.hy-kpi dd.pos{color:#15803d}
.hy-verdict{margin:12px 0 0;padding:10px 14px;border-radius:12px;font-weight:700}.hy-verdict.bad{background:#fef2f2;color:#991b1b;border:1px solid #fecaca}.hy-verdict.good{background:#f0fdf4;color:#14532d;border:1px solid #bbf7d0}
@media(max-width:1000px){.hy-kpi{grid-template-columns:repeat(3,minmax(0,1fr))}.hy-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:560px){.hy{padding:14px}.hy-grid,.hy-kpi{grid-template-columns:1fr 1fr}.hy-grid{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){.hy-kpi div{transition:none}}
.hy .hy-fine{color:#475569;font-size:.85rem}