:root{
  --v248-navy:#102a43;
  --v248-red:#e31d2a;
  --v248-green:#0b7a57;
  --v248-line:#dce6ed;
  --v248-muted:#617789;
  --v248-soft:#f6f9fb;
}
.v248-hero{padding:30px 0 24px;background:linear-gradient(180deg,#fff,#f7fafc);border-bottom:1px solid #e6eef3}
.v248-hero-inner{display:flex;justify-content:space-between;align-items:end;gap:24px}
.v248-kicker{display:inline-flex;padding:6px 10px;border-radius:999px;background:#edf7f2;color:var(--v248-green);font-size:13px;font-weight:900}
.v248-hero h1{margin:10px 0 8px;color:var(--v248-navy);font-size:clamp(29px,4vw,45px);line-height:1.15}
.v248-hero p{max-width:820px;margin:0;color:#536b7d;line-height:1.8}
.v248-badges{display:flex;flex-wrap:wrap;gap:8px;justify-content:flex-end}
.v248-badges span{padding:8px 11px;border:1px solid #dce6ed;border-radius:999px;background:#fff;color:#415c70;font-size:12px;white-space:nowrap}
.v248-app{padding:22px 0 58px;background:#f7f9fb}
.v248-layout{display:grid;grid-template-columns:240px minmax(0,1fr);gap:16px;align-items:start}
.v248-tabs{position:sticky;top:16px;display:grid;gap:8px;background:#fff;border:1px solid var(--v248-line);border-radius:16px;padding:10px;box-shadow:0 10px 28px rgba(16,42,67,.05)}
.v248-tab{min-height:50px;border:0;border-radius:11px;background:transparent;color:#456075;font-weight:850;text-align:start;padding:10px 12px;cursor:pointer;display:flex;gap:9px;align-items:center}
.v248-tab:hover{background:#f4f8fa}
.v248-tab.active{background:#102a43;color:#fff}
.v248-tab .num{display:grid;place-items:center;min-width:25px;height:25px;border-radius:8px;background:rgba(227,29,42,.11);color:#c61d29;font-size:11px;font-weight:900}
.v248-tab.active .num{background:rgba(255,255,255,.16);color:#fff}
.v248-panels{min-width:0}
.v248-panel{display:none;background:#fff;border:1px solid var(--v248-line);border-radius:18px;padding:22px;box-shadow:0 10px 34px rgba(16,42,67,.05)}
.v248-panel.active{display:block}
.v248-panel-head{margin-bottom:18px}
.v248-panel h2{margin:0 0 7px;color:var(--v248-navy);font-size:24px}
.v248-panel-head p{margin:0;color:#63798a;line-height:1.75}
.v248-form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.v248-field{display:grid;gap:7px;color:#40596c;font-size:13px;font-weight:800}
.v248-field.full{grid-column:1/-1}
.v248-field input,.v248-field select,.v248-field textarea{
  width:100%;box-sizing:border-box;border:1px solid #d3dfe7;border-radius:11px;padding:12px 13px;background:#fff;color:#17364d;font:inherit;min-height:46px
}
.v248-field small{font-weight:500;color:#718493;line-height:1.45}
.v248-action-row{grid-column:1/-1;display:flex;gap:9px;flex-wrap:wrap;margin-top:3px}
.v248-btn{min-height:47px;padding:11px 18px;border:1px solid #d6e1e8;border-radius:11px;background:#fff;color:#24475f;font-weight:900;cursor:pointer}
.v248-btn.primary{background:#102a43;color:#fff;border-color:#102a43}
.v248-btn.green{background:#0b7a57;color:#fff;border-color:#0b7a57}
.v248-result{margin-top:16px;padding:17px;border-radius:14px;background:#f3f8fb;border:1px solid #dbe7ee}
.v248-result strong.big{display:block;color:#102a43;font-size:clamp(27px,5vw,40px);line-height:1.15;margin:3px 0 7px}
.v248-result p{margin:5px 0;color:#536b7c;line-height:1.65}
.v248-result-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px;margin-top:12px}
.v248-stat{padding:10px 12px;border:1px solid #dfe8ee;border-radius:10px;background:#fff}
.v248-stat small{display:block;color:#718596;margin-bottom:3px}
.v248-stat b{color:#183b53}
.v248-note{margin-top:14px;padding:12px 13px;border-radius:11px;background:#fff9eb;border:1px solid #f1dfad;color:#765c17;font-size:12px;line-height:1.65}
.v248-source{margin-top:13px;font-size:12px;color:#667c8e;line-height:1.65}
.v248-source a{color:#0b6a93;text-decoration:underline}
.v248-splits{width:100%;border-collapse:collapse;margin-top:12px;font-size:13px}
.v248-splits th,.v248-splits td{padding:9px;border-bottom:1px solid #e5edf2;text-align:start}
.v248-splits th{color:#5c7487;background:#f8fafb}
.v248-mini-tabs{display:flex;gap:7px;flex-wrap:wrap;margin-bottom:15px}
.v248-mini-tabs button{border:1px solid #d8e3ea;background:#fff;border-radius:999px;padding:8px 11px;font-weight:800;color:#526b7c;cursor:pointer}
.v248-mini-tabs button.active{background:#edf7f2;border-color:#b9d8c9;color:#0b6c50}
.v248-inline{display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.v248-progress{height:10px;background:#e4edf2;border-radius:999px;overflow:hidden;margin-top:9px}
.v248-progress>span{display:block;height:100%;background:#0b7a57;border-radius:999px}
.v248-disclaimer{margin:16px 0 0;padding:12px 14px;border:1px solid #e1e9ee;border-radius:12px;background:#fafcfd;color:#687d8d;font-size:12px;line-height:1.7}
.v248-grid-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.v248-link-card{display:block;border:1px solid #dce6ed;border-radius:14px;background:#fff;padding:16px;text-decoration:none;color:#173b53}
.v248-link-card h3{margin:0 0 6px;color:#102a43}
.v248-link-card p{margin:0;color:#657c8d;line-height:1.6;font-size:13px}

@media(max-width:900px){
  .v248-layout{grid-template-columns:1fr}
  .v248-tabs{position:static;display:flex;overflow-x:auto;scroll-snap-type:x proximity;padding:8px}
  .v248-tab{min-width:max-content;scroll-snap-align:start}
  .v248-hero-inner{display:block}
  .v248-badges{justify-content:flex-start;margin-top:12px}
}
@media(max-width:650px){
  .v248-hero{padding:20px 0 16px}
  .v248-hero h1{font-size:30px}
  .v248-app{padding-top:10px}
  .v248-app>.container{padding-inline:9px}
  .v248-panel{padding:16px;border-radius:14px}
  .v248-form{grid-template-columns:1fr}
  .v248-result-grid{grid-template-columns:1fr}
  .v248-btn{width:100%}
  .v248-grid-cards{grid-template-columns:1fr}
}