:root{--ink:#14212b;--muted:#566571;--bg:#fbfaf7;--card:#fff;--line:#e6e2da;--accent:#1f6f5c;--accent-soft:#e7f1ed;--dark:#10202a}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.7;font-size:1.0625rem}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.25;font-weight:700;color:var(--dark)}
a{color:var(--accent)}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
header.top{border-bottom:1px solid var(--line);background:rgba(251,250,247,.92);backdrop-filter:blur(6px);position:sticky;top:0;z-index:10}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{font-family:Georgia,serif;font-weight:700;font-size:1.15rem;color:var(--dark);text-decoration:none;letter-spacing:.2px}
nav a{margin-left:22px;color:var(--muted);text-decoration:none;font-size:.95rem}
nav a:hover{color:var(--accent)}
.burger{display:none;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;margin-right:-10px;padding:10px;background:none;border:0;cursor:pointer}
.burger span{display:block;height:2px;background:var(--dark);border-radius:2px;transition:transform .2s,opacity .2s}
header.top.open .burger span:nth-child(1){transform:translateY(7px) rotate(45deg)}
header.top.open .burger span:nth-child(2){opacity:0}
header.top.open .burger span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.hero{padding:80px 0 64px}
.hero .wrap{display:grid;grid-template-columns:1fr 220px;gap:56px;align-items:center}
.kicker{display:inline-block;background:var(--accent-soft);color:var(--accent);font-weight:600;font-size:.85rem;padding:5px 12px;border-radius:99px;margin-bottom:18px}
.hero h1{font-size:clamp(2.1rem,4.5vw,3.1rem);margin:0 0 14px}
.hero .role{font-size:1.2rem;color:var(--ink);margin:0 0 8px;font-weight:600}
.hero .sub{color:var(--muted);margin:0 0 28px}
.hero p.lead{font-size:1.1rem;max-width:620px}
.avatar{width:220px;height:220px;border-radius:50%;background:linear-gradient(145deg,var(--dark),var(--accent));display:flex;align-items:center;justify-content:center;color:#fff;font-family:Georgia,serif;font-size:4.2rem;box-shadow:0 20px 50px rgba(16,32,42,.18)}
.btn{display:inline-block;background:var(--dark);color:#fff;text-decoration:none;padding:12px 22px;border-radius:8px;font-weight:600;margin:6px 10px 0 0}
.btn.ghost{background:transparent;color:var(--dark);border:1px solid var(--line)}
.btn:hover{opacity:.9}
section{padding:64px 0;border-top:1px solid var(--line)}
section h2{font-size:clamp(1.6rem,3vw,2.1rem);margin:0 0 22px}
.prose{max-width:720px}
.prose ul{padding-left:20px}
.prose li{margin:4px 0}
.grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:10px}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:26px}
.card h3{margin:0 0 8px;font-size:1.2rem}
.card p{margin:0;color:var(--muted)}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:28px 0 0}
.fact{border-left:3px solid var(--accent);padding:4px 0 4px 16px}
.fact strong{display:block;color:var(--dark)}
.fact span{color:var(--muted);font-size:.95rem}
.book{display:grid;grid-template-columns:180px 1fr;gap:36px;align-items:center}
.cover{aspect-ratio:3/4;border-radius:6px;background:linear-gradient(160deg,#1f6f5c,#10202a);color:#fff;padding:18px;font-family:Georgia,serif;font-size:1rem;line-height:1.3;display:flex;flex-direction:column;justify-content:space-between;box-shadow:0 18px 40px rgba(16,32,42,.25)}
.cover small{font-family:-apple-system,Segoe UI,sans-serif;font-size:.7rem;opacity:.8}
.badge{display:inline-block;font-size:.8rem;background:#fff4dc;color:#7a5a00;padding:3px 10px;border-radius:99px;font-weight:600}
blockquote{margin:0;padding:22px 26px;background:var(--accent-soft);border-radius:12px;font-family:Georgia,serif;font-size:1.2rem;color:var(--dark)}
.note{font-size:.92rem;color:var(--muted)}
.contact{background:var(--dark);color:#dfe7ea;border-top:0}
.contact h2{color:#fff}
.contact a.mail{color:#fff;font-size:1.3rem;font-weight:600}
footer{background:#0b161d;color:#8fa0aa;font-size:.9rem;padding:24px 0}
footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
footer a{color:#b9c6cc}
.page{padding:56px 0}
.page h1{font-size:2.2rem}
.page h2{font-size:1.35rem;margin-top:32px}
@media(max-width:760px){
 .burger{display:flex}
 nav{display:none;position:absolute;top:64px;left:0;right:0;flex-direction:column;background:var(--bg);border-bottom:1px solid var(--line);box-shadow:0 12px 24px rgba(16,32,42,.08);padding:6px 20px 14px}
 header.top.open nav{display:flex}
 nav a{margin:0;padding:13px 0;font-size:1.05rem;color:var(--dark);border-bottom:1px solid var(--line)}
 nav a:last-child{border-bottom:0}
 .hero{padding:48px 0}
 .hero .wrap{grid-template-columns:1fr;gap:28px}
 .avatar{width:120px;height:120px;font-size:2.4rem;order:-1}
 .grid,.facts{grid-template-columns:1fr}
 .book{grid-template-columns:1fr}
 .cover{max-width:180px}
 section{padding:48px 0}
}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 26px}
.chip{background:#fff;border:1px solid var(--line);border-radius:99px;padding:5px 13px;font-size:.88rem;color:var(--ink)}
.intro{max-width:720px;color:var(--muted);margin:-8px 0 26px}
.card ul{margin:12px 0 0;padding-left:18px;color:var(--ink);font-size:.97rem}
.card li{margin:3px 0}
.card .tag{display:inline-block;font-size:.75rem;text-transform:uppercase;letter-spacing:.6px;color:var(--accent);font-weight:700;margin-bottom:6px}
.timeline{list-style:none;padding:0;margin:26px 0 0;max-width:720px}
.timeline li{position:relative;padding:0 0 26px 30px;border-left:2px solid var(--line);margin-left:6px}
.timeline li:last-child{padding-bottom:0}
.timeline li::before{content:"";position:absolute;left:-8px;top:6px;width:14px;height:14px;border-radius:50%;background:var(--accent);border:3px solid var(--bg)}
.timeline .date{display:block;font-style:normal;font-size:.85rem;font-weight:700;color:var(--accent);letter-spacing:.02em;margin-bottom:2px}
.timeline strong{display:block;color:var(--dark)}
.timeline span{color:var(--muted);font-size:.97rem}
.method{counter-reset:m;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.method .card{position:relative;padding-top:52px}
.method .card::before{counter-increment:m;content:counter(m);position:absolute;top:20px;left:26px;width:26px;height:26px;border-radius:50%;background:var(--dark);color:#fff;font-weight:700;font-size:.85rem;display:flex;align-items:center;justify-content:center}
.sources{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.sources span{font-size:.88rem;background:var(--accent-soft);color:var(--accent);padding:5px 12px;border-radius:6px;font-weight:600}
.qs{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:10px}
.qs div{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 18px;font-family:Georgia,serif;color:var(--dark)}
.frame{border:1px solid var(--line);border-left:4px solid #c9a227;background:#fff;border-radius:10px;padding:20px 24px;max-width:720px}
.frame h3{margin:0 0 8px;font-size:1.1rem}
.frame ul{margin:8px 0 0;padding-left:18px}
@media(max-width:760px){.method,.qs{grid-template-columns:1fr}}
.cover-img{width:100%;max-width:220px;height:auto;border-radius:4px;box-shadow:0 18px 40px rgba(16,32,42,.25);display:block}
.book{grid-template-columns:220px 1fr}
.badge.ok{background:var(--accent-soft);color:var(--accent);margin-bottom:10px}
.contact a.li{color:#9fd3c2;font-weight:600}
@media(max-width:760px){.book{grid-template-columns:1fr}.cover-img{max-width:180px}}
.cover-link{display:block;max-width:220px}.cover-link picture{display:block}
.avatar{overflow:hidden;border:4px solid #fff}
.avatar picture,.avatar img{display:block;width:100%;height:100%;object-fit:cover}
.pubs{display:flex;flex-wrap:wrap;align-items:center;gap:14px 26px;margin-top:30px;padding-top:22px;border-top:1px solid var(--line)}
.pubs span{width:100%;font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.pubs a{display:block;opacity:.85;transition:opacity .2s}
.pubs a:hover{opacity:1}
.pubs img{display:block;width:auto}
.pubs .logo-compareil{height:46px}
.pubs .logo-financemag{height:30px}
html{scroll-padding-top:72px}
.cform{max-width:640px;margin-top:18px}
.cform .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.cform label{display:block;font-size:.9rem;font-weight:600;color:#fff;margin-bottom:16px}
.cform input,.cform select,.cform textarea{display:block;width:100%;box-sizing:border-box;margin-top:6px;padding:11px 13px;font:inherit;font-size:1rem;color:var(--ink);background:#fff;border:1px solid #c9d3d7;border-radius:8px}
.cform textarea{resize:vertical;min-height:140px}
.cform input:focus,.cform select:focus,.cform textarea:focus{outline:2px solid #9fd3c2;outline-offset:1px}
.cform .btn{background:#9fd3c2;color:var(--dark);border:0;cursor:pointer;font-size:1rem;margin:0}
.cform .btn:disabled{opacity:.6;cursor:wait}
.cform .rgpd{font-size:.85rem;color:#aebcc2;margin:0 0 16px}
.cform .rgpd a{color:#9fd3c2}
.cform .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-status{margin:14px 0 0;font-weight:600;min-height:1.5em}
.form-status.ok{color:#9fd3c2}
.form-status.err{color:#ffb4a8}
@media(max-width:760px){.cform .row{grid-template-columns:1fr;gap:0}}
.cform input,.cform select,.cform textarea{font-weight:400}
.arts-title{margin:48px 0 16px;font-size:1.3rem}
.arts{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,400px),1fr));gap:18px}
.art{display:flex;flex-direction:column;gap:6px;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:20px 22px;text-decoration:none;color:var(--ink);transition:border-color .2s,box-shadow .2s}
.art:hover{border-color:var(--accent);box-shadow:0 8px 22px rgba(16,32,42,.07)}
.art strong{font-family:Georgia,serif;font-size:1.08rem;line-height:1.4;color:var(--dark)}
.art span{font-size:.95rem;color:var(--muted)}
.art .art-meta{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--accent)}
.arts-more{margin-top:16px}
.arts-more a{color:var(--accent);font-weight:600}
@media(max-width:760px){.arts{grid-template-columns:1fr}}
.charte{margin-top:30px}
.charte li{margin-bottom:6px}
.charte a{color:var(--accent)}
.e404{padding:90px 0;text-align:center}
.e404 .code{font-family:Georgia,serif;font-size:5rem;color:var(--accent);line-height:1;margin:0}
.e404 .btn{margin-top:18px}