:root{
  --bk-navy:#14213d; --bk-navy-2:#1d2d52; --bk-graphite:#2b2f36; --bk-ink:#1e2430; --bk-muted:#5b6475;
  --bk-line:#dcd8cf; --bk-bg:#f6f4ef; --bk-card:#ffffff; --bk-accent:#d98c3a; --bk-accent-2:#f2c27e;
  --bk-ok:#2f6f4f; --bk-warn-bg:#fff6e8; --bk-radius:14px; --bk-shadow:0 6px 24px rgba(20,33,61,.08);
  --bk-wrap:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
section[id],[data-quiz],[data-result]{scroll-margin-top:76px}
body{margin:0;background:var(--bk-bg);color:var(--bk-ink);font:400 17px/1.6 "Golos Text",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
img{max-width:100%;display:block}
a{color:var(--bk-navy-2)}
.bk-wrap{max-width:var(--bk-wrap);margin:0 auto;padding:0 24px}
.bk-h1,.bk-h2{font-family:"PT Serif",Georgia,serif;font-weight:700;letter-spacing:-.01em;color:var(--bk-navy)}
.bk-h2{font-size:clamp(26px,3.2vw,38px);line-height:1.2;margin:0 0 14px}
.bk-lead{color:var(--bk-muted);font-size:18px;max-width:760px;margin:0 0 32px}
.bk-section{padding:72px 0}
.bk-section--alt{background:#fff}
.bk-todo{background:#fff1c9;border-radius:4px;padding:0 4px;font-size:.9em}
.bk-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;padding:0 26px;border-radius:12px;border:0;font:600 17px/1 "Golos Text",sans-serif;cursor:pointer;text-decoration:none;transition:transform .15s,background .15s,box-shadow .15s}
.bk-btn--accent{background:var(--bk-accent);color:#1b1408;box-shadow:0 6px 18px rgba(217,140,58,.35)}
.bk-btn--accent:hover{background:#e39a4b;transform:translateY(-1px)}
.bk-btn--ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.6)}
.bk-btn--ghost:hover{background:rgba(255,255,255,.1)}
.bk-btn--navy{background:var(--bk-navy);color:#fff}
.bk-btn--navy:hover{background:var(--bk-navy-2)}
.bk-btn:focus-visible,.bk-opt:focus-within,a:focus-visible,summary:focus-visible{outline:3px solid var(--bk-accent-2);outline-offset:2px}

/* header */
.bk-header{position:sticky;top:0;z-index:50;background:rgba(20,33,61,.96);backdrop-filter:saturate(1.2) blur(6px);color:#fff}
.bk-header__in{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.bk-logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:600;line-height:1.15}
.bk-logo__mark{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--bk-accent),#b8692a);display:grid;place-items:center;font-family:"PT Serif",serif;font-size:19px;color:#fff;flex:none}
.bk-logo small{display:block;font-weight:400;color:#b8c2d9;font-size:12px}
.bk-nav{display:flex;gap:22px}
.bk-nav a{color:#dfe5f2;text-decoration:none;font-size:15px}
.bk-nav a:hover{color:#fff}
.bk-header .bk-btn{min-height:42px;padding:0 18px;font-size:15px}

/* hero */
.bk-hero{position:relative;color:#fff;overflow:hidden;background:var(--bk-navy)}
.bk-hero__bg{position:absolute;inset:0}
.bk-hero__bg img{width:100%;height:100%;object-fit:cover;object-position:70% 40%}
.bk-hero__bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(14,24,46,.94) 0%,rgba(14,24,46,.82) 40%,rgba(14,24,46,.25) 75%,rgba(14,24,46,.1) 100%)}
.bk-hero__glow{position:absolute;inset:-20%;pointer-events:none;background:radial-gradient(40% 35% at 20% 30%,rgba(217,140,58,.18),transparent 70%),radial-gradient(35% 30% at 10% 80%,rgba(80,110,180,.22),transparent 70%);animation:bk-drift 18s ease-in-out infinite alternate}
@keyframes bk-drift{from{transform:translate3d(0,0,0)}to{transform:translate3d(4%,-3%,0)}}
@media (prefers-reduced-motion:reduce){.bk-hero__glow{animation:none}html{scroll-behavior:auto}.bk-btn{transition:none}}
.bk-hero__in{position:relative;padding:88px 0 64px;max-width:640px}
.bk-eyebrow{display:inline-block;font-size:14px;letter-spacing:.04em;text-transform:uppercase;color:var(--bk-accent-2);margin-bottom:14px}
.bk-h1{color:#fff;font-size:clamp(32px,4.4vw,52px);line-height:1.12;margin:0 0 18px}
.bk-hero__sub{font-size:19px;color:#dbe2f0;margin:0 0 28px}
.bk-hero__cta{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:28px}
.bk-hero__facts{display:flex;flex-wrap:wrap;gap:10px 24px;margin:0;padding:0;list-style:none;color:#c7d1e6;font-size:15px}
.bk-hero__facts li::before{content:"✓";color:var(--bk-accent-2);margin-right:8px}

/* warning (ст. 28.1 38-ФЗ) */
.bk-warning{background:var(--bk-warn-bg);border-top:3px solid var(--bk-accent);border-bottom:1px solid var(--bk-line)}
.bk-warning__in{display:flex;gap:16px;align-items:flex-start;padding:22px 0}
.bk-warning__icon{flex:none;width:36px;height:36px;border-radius:50%;background:var(--bk-accent);color:#fff;display:grid;place-items:center;font-weight:700}
.bk-warning p{margin:0;font-size:18px;line-height:1.5;font-weight:600;color:#4a3412}

/* cards */
.bk-grid{display:grid;gap:20px}
.bk-grid--2{grid-template-columns:repeat(2,1fr)}
.bk-grid--3{grid-template-columns:repeat(3,1fr)}
.bk-card{background:var(--bk-card);border:1px solid var(--bk-line);border-radius:var(--bk-radius);padding:26px;box-shadow:var(--bk-shadow)}
.bk-card h3{margin:0 0 10px;font-size:20px;line-height:1.3;color:var(--bk-navy)}
.bk-card p{margin:0 0 10px;color:#3a4252}
.bk-card p:last-child{margin-bottom:0}
.bk-card__q{display:block;font-size:14px;color:var(--bk-accent);font-weight:600;margin-bottom:6px}

/* МФЦ vs суд */
.bk-vs{display:grid;grid-template-columns:1fr 1fr;gap:20px;align-items:stretch}
.bk-vs .bk-card{display:flex;flex-direction:column}
.bk-vs__tag{display:inline-block;align-self:flex-start;font-size:13px;font-weight:600;padding:4px 10px;border-radius:20px;margin-bottom:12px}
.bk-vs__tag--free{background:#e3f1e9;color:var(--bk-ok)}
.bk-vs__tag--court{background:#e6ebf6;color:var(--bk-navy-2)}
.bk-list{margin:0;padding:0;list-style:none}
.bk-list li{position:relative;padding-left:22px;margin:0 0 8px}
.bk-list li::before{content:"";position:absolute;left:4px;top:.65em;width:7px;height:7px;border-radius:50%;background:var(--bk-accent)}
.bk-media{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.bk-media img{border-radius:var(--bk-radius);box-shadow:var(--bk-shadow);aspect-ratio:3/2;object-fit:cover;width:100%}

/* quiz */
.bk-quiz{background:var(--bk-navy);color:#fff;border-radius:20px;padding:36px;position:relative;overflow:hidden}
.bk-quiz::before{content:"";position:absolute;right:-120px;top:-120px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle,rgba(217,140,58,.25),transparent 70%)}
.bk-quiz__top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:18px;position:relative}
.bk-quiz__step{font-size:14px;color:#b8c2d9}
.bk-progress{height:6px;background:rgba(255,255,255,.15);border-radius:6px;overflow:hidden;margin-bottom:26px;position:relative}
.bk-progress span{display:block;height:100%;width:0;background:var(--bk-accent);transition:width .3s}
.bk-q{display:none;position:relative}
.bk-q.is-active{display:block}
.bk-q h3{font-size:24px;line-height:1.3;margin:0 0 6px;font-family:"PT Serif",serif}
.bk-q__hint{color:#b8c2d9;font-size:15px;margin:0 0 18px}
.bk-opts{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.bk-opt{position:relative}
.bk-opt input{position:absolute;opacity:0;width:1px;height:1px}
.bk-opt label{display:flex;align-items:center;min-height:58px;padding:12px 16px;border-radius:12px;background:rgba(255,255,255,.07);border:1.5px solid rgba(255,255,255,.18);cursor:pointer;font-size:16px;line-height:1.35;transition:background .15s,border-color .15s}
.bk-opt label:hover{background:rgba(255,255,255,.12)}
.bk-opt input:checked+label{border-color:var(--bk-accent);background:rgba(217,140,58,.16)}
.bk-quiz__nav{display:flex;justify-content:space-between;gap:12px;margin-top:22px}
.bk-quiz__back{background:none;border:0;color:#b8c2d9;font:500 16px "Golos Text",sans-serif;cursor:pointer;padding:10px 0}
.bk-quiz__back[hidden]{display:none}
.bk-result{display:none;position:relative}
.bk-result.is-active{display:block}
.bk-result h3{font-family:"PT Serif",serif;font-size:26px;line-height:1.25;margin:0 0 12px}
.bk-result p{color:#dbe2f0;margin:0 0 12px}
.bk-result .bk-list li{color:#e8edf7}
.bk-result__box{background:rgba(255,255,255,.07);border-radius:12px;padding:18px 20px;margin:16px 0}
.bk-result__note{font-size:14px;color:#b8c2d9}
.bk-result__cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:18px}

/* steps */
.bk-steps{counter-reset:bk;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.bk-step{background:#fff;border:1px solid var(--bk-line);border-radius:var(--bk-radius);padding:24px;position:relative}
.bk-step::before{counter-increment:bk;content:counter(bk);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--bk-navy);color:#fff;font-weight:700;margin-bottom:12px}
.bk-step h3{margin:0 0 8px;font-size:18px;color:var(--bk-navy)}
.bk-step p{margin:0;color:#3a4252;font-size:16px}

/* cost table */
.bk-table{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--bk-radius);overflow:hidden;box-shadow:var(--bk-shadow)}
.bk-table th,.bk-table td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--bk-line);vertical-align:top}
.bk-table th{background:#eef1f7;color:var(--bk-navy);font-size:15px}
.bk-table tr:last-child td{border-bottom:0}
.bk-src{font-size:14px;color:var(--bk-muted);margin-top:12px}

/* consequences */
.bk-cons{background:var(--bk-graphite);color:#e9ecf2}
.bk-cons .bk-h2{color:#fff}
.bk-cons .bk-lead{color:#bfc6d4}
.bk-cons .bk-card{background:#343944;border-color:#454b58;box-shadow:none}
.bk-cons .bk-card h3{color:#fff}
.bk-cons .bk-card p{color:#c9cfdb}

/* form */
.bk-form-wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:start}
.bk-form{background:#fff;border:1px solid var(--bk-line);border-radius:20px;padding:30px;box-shadow:var(--bk-shadow)}
.bk-field{margin-bottom:16px}
.bk-field label{display:block;font-size:15px;font-weight:600;margin-bottom:6px;color:var(--bk-navy)}
.bk-field input,.bk-field select{width:100%;min-height:50px;border:1.5px solid #cfd4de;border-radius:10px;padding:10px 14px;font:400 17px "Golos Text",sans-serif;background:#fff;color:var(--bk-ink)}
.bk-field input:focus,.bk-field select:focus{outline:none;border-color:var(--bk-navy-2);box-shadow:0 0 0 3px rgba(29,45,82,.15)}
.bk-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.bk-check{display:flex;gap:10px;align-items:flex-start;font-size:14px;line-height:1.45;color:#3a4252;margin:10px 0}
.bk-check input{flex:none;width:20px;height:20px;margin-top:1px;accent-color:var(--bk-navy)}
.bk-form .bk-btn{width:100%;margin-top:8px}
.bk-form__msg{margin-top:14px;font-size:15px;border-radius:10px;padding:0}
.bk-form__msg.is-ok{background:#e3f1e9;color:var(--bk-ok);padding:14px}
.bk-form__msg.is-err{background:#fde8e6;color:#9b2c20;padding:14px}
.bk-hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.bk-trust{list-style:none;margin:20px 0 0;padding:0}
.bk-trust li{display:flex;gap:12px;margin-bottom:14px}
.bk-trust b{display:grid;place-items:center;flex:none;width:30px;height:30px;border-radius:8px;background:#e6ebf6;color:var(--bk-navy);font-size:15px}

/* faq */
.bk-faq{max-width:860px}
.bk-faq details{background:#fff;border:1px solid var(--bk-line);border-radius:12px;margin-bottom:10px}
.bk-faq summary{cursor:pointer;list-style:none;padding:18px 52px 18px 20px;font-weight:600;color:var(--bk-navy);position:relative}
.bk-faq summary::-webkit-details-marker{display:none}
.bk-faq summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:24px;color:var(--bk-accent)}
.bk-faq details[open] summary::after{content:"–"}
.bk-faq details p{margin:0;padding:0 20px 18px;color:#3a4252}


/* footer */
.bk-footer{background:#0f1a31;color:#aeb8cc;padding:48px 0 110px;font-size:15px}
.bk-footer a{color:#dfe5f2}
.bk-footer__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;margin-bottom:28px}
.bk-footer h4{color:#fff;margin:0 0 10px;font-size:16px}
.bk-footer ul{list-style:none;margin:0;padding:0}
.bk-footer li{margin-bottom:6px}
.bk-footer__warn{border:1px solid #33405e;border-radius:12px;padding:16px 18px;color:#f2d3a5;font-weight:600;font-size:16px;margin-bottom:18px}

.bk-related{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.bk-related a{display:block;background:#fff;border:1px solid var(--bk-line);border-radius:12px;padding:18px 20px;text-decoration:none;color:var(--bk-navy);font-weight:600;line-height:1.35;box-shadow:var(--bk-shadow)}
.bk-related a span{display:block;font-weight:400;font-size:14px;color:var(--bk-muted);margin-top:6px}
.bk-related a:hover{border-color:var(--bk-accent)}

/* sticky mobile bar */
.bk-sticky{display:none}

/* responsive */
@media (max-width:1024px){
  .bk-nav{display:none}
  .bk-grid--3{grid-template-columns:repeat(2,1fr)}
  .bk-steps{grid-template-columns:repeat(2,1fr)}
  .bk-media,.bk-form-wrap{grid-template-columns:1fr}
  .bk-media img{max-width:640px}
  .bk-footer__grid{grid-template-columns:1fr 1fr 1fr}
  .bk-footer__grid>div:first-child{grid-column:1/-1}
  .bk-related{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:767px){
  body{font-size:16px}
  .bk-wrap{padding:0 16px}
  .bk-section{padding:52px 0}
  .bk-header__in{min-height:56px}
  .bk-header .bk-btn{display:none}
  .bk-logo small{display:none}
  body{padding-bottom:72px}
  .bk-hero__bg{position:relative;height:38svh;min-height:240px;max-height:360px}
  .bk-hero__bg img{object-position:50% 58%}
  .bk-hero__bg::after{background:linear-gradient(180deg,rgba(14,24,46,0) 45%,rgba(20,33,61,1) 100%)}
  .bk-hero__in{padding:4px 0 32px;width:100%}
  .bk-hero__sub{font-size:17px}
  .bk-hero__cta .bk-btn{width:100%}
  .bk-warning p{font-size:16px}
  .bk-grid--2,.bk-grid--3,.bk-vs,.bk-steps,.bk-opts,.bk-row{grid-template-columns:1fr}
  .bk-quiz{padding:24px 18px;border-radius:16px}
  .bk-q h3{font-size:21px}
  .bk-result h3{font-size:22px}
  .bk-form{padding:22px 16px}
  .bk-table th,.bk-table td{padding:12px}
  .bk-table{font-size:15px}
  .bk-footer__grid{grid-template-columns:1fr}
  .bk-related{grid-template-columns:1fr}
  .bk-sticky{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(15,26,49,.97);box-shadow:0 -6px 20px rgba(0,0,0,.2);transition:transform .25s}
  .bk-sticky.is-hidden{transform:translateY(110%)}
  .bk-sticky .bk-btn{min-height:48px;padding:0 10px;font-size:15px;width:100%}
}

/* --- страницы статей --- */
.bk-crumbs{font-size:14px;color:#b8c2d9;margin:0 0 14px;padding:0;list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.bk-crumbs a{color:#dfe5f2;text-decoration:none}
.bk-crumbs li+li::before{content:"›";margin-right:6px;color:#8592ad}
.bk-phero{background:var(--bk-navy);color:#fff;position:relative;overflow:hidden}
.bk-phero .bk-hero__glow{opacity:.8}
.bk-phero__in{position:relative;padding:44px 0 40px;max-width:820px}
.bk-phero .bk-h1{font-size:clamp(28px,3.6vw,44px);margin-bottom:14px}
.bk-phero__lead{font-size:18px;color:#dbe2f0;margin:0}
.bk-art{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;align-items:start}
.bk-prose{font-size:18px;line-height:1.7;max-width:760px}
.bk-prose h2{font-family:"PT Serif",Georgia,serif;color:var(--bk-navy);font-size:clamp(23px,2.4vw,29px);line-height:1.25;margin:40px 0 12px}
.bk-prose h2:first-child{margin-top:0}
.bk-prose p{margin:0 0 14px}
.bk-prose ul,.bk-prose ol{margin:0 0 16px;padding-left:22px}
.bk-prose li{margin-bottom:6px}
.bk-prose a{color:var(--bk-navy-2);text-decoration-color:var(--bk-accent);text-underline-offset:3px}
.bk-side{position:sticky;top:84px;display:grid;gap:16px}
.bk-side .bk-card{padding:22px}
.bk-side .bk-card h3{font-size:18px}
.bk-side .bk-btn{width:100%;min-height:48px;font-size:16px;margin-top:6px}
.bk-toc{list-style:none;margin:0;padding:0;font-size:15px}
.bk-toc li{margin:0 0 8px}
.bk-toc a{text-decoration:none;color:var(--bk-navy-2)}
.bk-toc a:hover{text-decoration:underline}
.bk-laws{font-size:14px;color:var(--bk-muted);margin-top:28px;border-top:1px solid var(--bk-line);padding-top:14px}
.bk-related--2{grid-template-columns:repeat(2,1fr)}
.bk-doc{max-width:860px;font-size:16px}
.bk-doc h2{font-size:21px;margin:28px 0 10px}
@media (max-width:1024px){.bk-art{grid-template-columns:1fr}.bk-side{position:static;grid-template-columns:1fr 1fr}}
@media (max-width:767px){.bk-related--2{grid-template-columns:1fr}.bk-prose{font-size:17px}.bk-side{grid-template-columns:1fr}.bk-phero__in{padding:28px 0 26px}}