.elementor-885 .elementor-element.elementor-element-655021e.elementor-element{--flex-grow:1;--flex-shrink:0;}:root{--page-title-display:none;}/* Start custom CSS for html, class: .elementor-element-655021e *//* ===== zaimhubkz-article13: хлебные крошки (текст + иконка домика) ===== */
.zaimhubkz-article13 {
  --zh13-navy: #16305A;
  --zh13-ink: #0B1B36;
  --zh13-mint: #2FB99B;
  --zh13-muted: #5F6E8A;
 
  width: 100%;
  max-width: 1200px;
  margin: 0 auto 12px;
  font-family: "Manrope", "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}
 
.zaimhubkz-article13 .rank-math-breadcrumb,
.zaimhubkz-article13 .rank-math-breadcrumb p {
  margin: 0 !important;
  padding: 0 !important;
  background: none !important;
  border: 0 !important;
  box-shadow: none !important;
  font-size: 14.5px;
  line-height: 1.6;
  font-weight: 500;
  color: var(--zh13-muted);
}
 
/* Ссылки */
.zaimhubkz-article13 .rank-math-breadcrumb a {
  color: var(--zh13-navy) !important;
  font-weight: 600;
  text-decoration: none !important;
  transition: color .2s ease;
}
.zaimhubkz-article13 .rank-math-breadcrumb a:hover {
  color: var(--zh13-mint) !important;
  text-decoration: underline !important;
  text-underline-offset: 3px;
}
.zaimhubkz-article13 .rank-math-breadcrumb a:focus-visible {
  outline: 2px solid rgba(47, 185, 155, .6);
  outline-offset: 2px;
  border-radius: 3px;
}
 
/* Иконка домика перед первой ссылкой */
.zaimhubkz-article13 .rank-math-breadcrumb a:first-child {
  display: inline-flex;
  align-items: center;
  gap: 7px;
}
.zaimhubkz-article13 .rank-math-breadcrumb a:first-child::before {
  content: "";
  width: 16px;
  height: 16px;
  flex: 0 0 auto;
  background: no-repeat center / contain url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2316305A' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3.5 11 12 4l8.5 7'/%3E%3Cpath d='M5.5 9.8V19a1.5 1.5 0 0 0 1.5 1.5h10a1.5 1.5 0 0 0 1.5-1.5V9.8'/%3E%3Cpath d='M10 20.5v-5h4v5'/%3E%3C/svg%3E");
}
.zaimhubkz-article13 .rank-math-breadcrumb a:first-child:hover::before { opacity: .7; }
 
/* Разделитель */
.zaimhubkz-article13 .rank-math-breadcrumb .separator {
  margin: 0 4px;
  color: #9AA7BF;
}
 
/* Текущая страница */
.zaimhubkz-article13 .rank-math-breadcrumb .last {
  color: var(--zh13-ink);
  font-weight: 600;
}
 
@media (max-width: 640px) {
  .zaimhubkz-article13 .rank-math-breadcrumb,
  .zaimhubkz-article13 .rank-math-breadcrumb p { font-size: 13.5px; }
}/* End custom CSS */
/* Start custom CSS for html, class: .elementor-element-129e4d8 *//* ---------- каркас ---------- */
.zaimhubkz-article12{
  max-width:1200px;width:100%;margin:0 auto;
  font-family:Roboto,Arial,Helvetica,sans-serif;
  color:#111A24;-webkit-font-smoothing:antialiased;
}
.zaimhubkz-article12 *,
.zaimhubkz-article12 *::before,
.zaimhubkz-article12 *::after{box-sizing:border-box;}

.zaimhubkz-article12__card{
  background:#fff;
  border:1px solid #E7EAF0;
  border-radius:20px;
  overflow:hidden;
  box-shadow:0 18px 50px rgba(16,24,40,.08);
}

/* ---------- фото + H1 ---------- */
.zaimhubkz-article12__hero{
  position:relative;margin:0;width:100%;
  height:400px;overflow:hidden;background:#E9EDF2;
}
.zaimhubkz-article12__img{
  width:100%;height:100%;display:block;
  object-fit:cover;object-position:72% 50%;
}
.zaimhubkz-article12__scrim{
  position:absolute;inset:0;pointer-events:none;
  background:
    linear-gradient(90deg,
      rgba(8,14,22,.86) 0%,
      rgba(8,14,22,.66) 32%,
      rgba(8,14,22,.18) 60%,
      rgba(8,14,22,0) 80%),
    linear-gradient(180deg,
      rgba(8,14,22,.34) 0%,
      rgba(8,14,22,0) 34%,
      rgba(8,14,22,.52) 100%);
}
.zaimhubkz-article12__title{
  position:absolute;left:0;bottom:0;
  margin:0;padding:0 46px 34px 62px;max-width:880px;
  font-family:inherit;font-size:40px;line-height:1.16;
  font-weight:900;letter-spacing:-.022em;color:#fff;
  text-shadow:0 2px 18px rgba(6,12,20,.45);
}
.zaimhubkz-article12__title::before{
  content:'';position:absolute;left:34px;top:12px;bottom:26px;width:5px;
  border-radius:6px;
  background:linear-gradient(180deg,#14BDAD 0%,#0B7F7A 100%);
}

/* ---------- мета-чипы ---------- */
.zaimhubkz-article12__body{padding:26px 34px 34px;}
.zaimhubkz-article12__meta{
  list-style:none;display:flex;flex-wrap:wrap;gap:10px;
  margin:0 0 22px;padding:0;
}
.zaimhubkz-article12__chip{
  display:inline-flex;align-items:center;gap:9px;
  padding:8px 15px 8px 9px;
  background:#F7F9FB;border:1px solid #E7EAF0;border-radius:12px;
  font-size:13.5px;font-weight:500;line-height:1;color:#39424F;
}
.zaimhubkz-article12__ico{
  display:inline-flex;align-items:center;justify-content:center;
  width:28px;height:28px;flex:0 0 auto;border-radius:9px;
  background:#E9F6F4;color:#0E9F94;
}
.zaimhubkz-article12__ico svg{width:15px;height:15px;display:block;}

/* ---------- лид-панель ---------- */
.zaimhubkz-article12__lead{
  position:relative;margin:0;
  padding:20px 30px 20px 24px;
  background:#F7F9FB;border-radius:14px;
  border-left:3px solid #14BDAD;
  font-size:16.5px;font-weight:400;line-height:1.74;color:#2B3440;
}
.zaimhubkz-article12__lead::after{
  content:'';position:absolute;right:16px;top:14px;width:64px;height:64px;
  border-radius:6px;opacity:.18;pointer-events:none;
  background-image:radial-gradient(#12B5A6 1.6px,transparent 1.6px);
  background-size:8px 8px;
}

/* ---------- планшет ---------- */
@media (max-width:900px){
  .zaimhubkz-article12__hero{height:330px;}
  .zaimhubkz-article12__title{font-size:31px;padding:0 30px 26px 50px;max-width:none;}
  .zaimhubkz-article12__title::before{left:26px;top:8px;bottom:20px;width:4px;}
  .zaimhubkz-article12__body{padding:22px 24px 26px;}
}

/* ---------- мобильный ---------- */
@media (max-width:600px){
  .zaimhubkz-article12__card{border-radius:16px;}
  .zaimhubkz-article12__hero{height:270px;}
  .zaimhubkz-article12__img{object-position:70% 50%;}
  .zaimhubkz-article12__scrim{
    background:linear-gradient(180deg,
      rgba(8,14,22,.32) 0%,
      rgba(8,14,22,.12) 26%,
      rgba(8,14,22,.58) 66%,
      rgba(8,14,22,.86) 100%);
  }
  .zaimhubkz-article12__title{font-size:23px;line-height:1.22;padding:0 18px 18px 42px;}
  .zaimhubkz-article12__title::before{left:18px;top:4px;bottom:14px;width:4px;}
  .zaimhubkz-article12__body{padding:18px 16px 20px;}
  .zaimhubkz-article12__meta{gap:8px;margin-bottom:16px;}
  .zaimhubkz-article12__chip{font-size:12.5px;padding:7px 12px 7px 7px;border-radius:11px;}
  .zaimhubkz-article12__ico{width:26px;height:26px;border-radius:8px;}
  .zaimhubkz-article12__lead{font-size:15.5px;line-height:1.68;padding:16px 18px;border-radius:12px;}
  .zaimhubkz-article12__lead::after{display:none;}
}/* End custom CSS */
/* Start custom CSS for html, class: .elementor-element-8fa6299 *//* ===== zaimhubkz-article14: содержание статьи ===== */
.zaimhubkz-article14,
.zaimhubkz-article14 *,
.zaimhubkz-article14 *::before,
.zaimhubkz-article14 *::after { box-sizing: border-box; }
 
.zaimhubkz-article14 {
  --zh14-ink: #0B1B36;
  --zh14-navy: #16305A;
  --zh14-mint: #2FB99B;
  --zh14-mint-soft: #E6F7F3;
  --zh14-muted: #5F6E8A;
  --zh14-line: #E3E9F2;
 
  width: 100%;
  max-width: 880px;
  margin: 0 auto 24px;
  background: #fff;
  border: 1px solid var(--zh14-line);
  border-radius: 18px;
  box-shadow: 0 1px 2px rgba(11, 27, 54, .05), 0 14px 32px -20px rgba(11, 27, 54, .28);
  font-family: "Manrope", "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--zh14-ink);
  overflow: hidden;
}
 
/* Заголовок карточки (он же кнопка сворачивания) */
.zaimhubkz-article14__head {
  list-style: none;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px clamp(16px, 3vw, 24px);
  cursor: pointer;
  user-select: none;
}
.zaimhubkz-article14__head::-webkit-details-marker { display: none; }
.zaimhubkz-article14__head:focus-visible {
  outline: 3px solid rgba(47, 185, 155, .55);
  outline-offset: -3px;
  border-radius: 18px;
}
.zaimhubkz-article14__icon {
  flex: 0 0 auto;
  width: 34px;
  height: 34px;
  border-radius: 10px;
  background: var(--zh14-mint-soft);
  color: var(--zh14-navy);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.zaimhubkz-article14__icon svg,
.zaimhubkz-article14__chevron svg {
  width: 18px;
  height: 18px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.zaimhubkz-article14__title {
  flex: 1 1 auto;
  font-size: 17px;
  font-weight: 800;
  letter-spacing: -.005em;
}
.zaimhubkz-article14__chevron {
  flex: 0 0 auto;
  display: inline-flex;
  color: var(--zh14-muted);
  transition: transform .25s ease;
}
.zaimhubkz-article14[open] .zaimhubkz-article14__chevron { transform: rotate(180deg); }
 
/* Список: две колонки на широких экранах, читается сверху вниз */
.zaimhubkz-article14__list {
  list-style: none;
  margin: 0;
  padding: 4px clamp(10px, 2vw, 16px) 16px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  grid-template-rows: repeat(4, auto);
  grid-auto-flow: column;
  gap: 2px 8px;
  border-top: 1px solid var(--zh14-line);
  padding-top: 12px;
}
.zaimhubkz-article14__list li { margin: 0; padding: 0; }
 
.zaimhubkz-article14__link {
  display: flex;
  align-items: baseline;
  gap: 12px;
  min-height: 44px;
  padding: 10px 12px;
  border-radius: 10px;
  color: var(--zh14-ink) !important;
  font-size: 15px;
  line-height: 1.35;
  font-weight: 600;
  text-decoration: none !important;
  transition: background-color .2s ease;
}
.zaimhubkz-article14__num {
  flex: 0 0 auto;
  min-width: 22px;
  font-size: 13px;
  font-weight: 800;
  font-variant-numeric: tabular-nums;
  color: var(--zh14-mint);
  transition: color .2s ease;
}
.zaimhubkz-article14__link:hover { background: var(--zh14-mint-soft); }
.zaimhubkz-article14__link:hover .zaimhubkz-article14__num { color: var(--zh14-navy); }
.zaimhubkz-article14__link:focus-visible {
  outline: 3px solid rgba(47, 185, 155, .55);
  outline-offset: 1px;
}
 
/* Телефон: одна колонка */
@media (max-width: 700px) {
  .zaimhubkz-article14 { border-radius: 14px; }
  .zaimhubkz-article14__list {
    grid-template-columns: 1fr;
    grid-template-rows: none;
    grid-auto-flow: row;
  }
  .zaimhubkz-article14__link { font-size: 14.5px; }
}
 
/* ===== Необязательно: плавный переход и отступ под шапку сайта ===== */
/* html { scroll-behavior: smooth; }
   h2[id] { scroll-margin-top: 90px; }
   @media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } } *//* End custom CSS */
/* Start custom CSS for html, class: .elementor-element-98ea6e7 *//* =====================================================
   zaimhubkz-article15: оформление тела статьи
   Колонка текста 820 px, широкие блоки 1200 px
   ===================================================== */
.zaimhubkz-article15,
.zaimhubkz-article15 *,
.zaimhubkz-article15 *::before,
.zaimhubkz-article15 *::after { box-sizing: border-box; }
 
.zaimhubkz-article15 {
  --zh15-ink: #0B1B36;
  --zh15-body: #334155;
  --zh15-navy: #16305A;
  --zh15-mint: #2FB99B;
  --zh15-mint-bright: #3FD0B0;
  --zh15-green: #0E7C68;          /* тёмно-зелёный для текста на светлом фоне */
  --zh15-mint-soft: #E6F7F3;
  --zh15-surface: #F4F7FB;
  --zh15-line: #E3E9F2;
  --zh15-muted: #5F6E8A;
  --zh15-gutter: 0px;             /* если у контейнера сайта нет боковых полей — поставьте 16px */
 
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding-inline: var(--zh15-gutter);
  font-family: "Manrope", "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 18px;
  line-height: 1.7;
  color: var(--zh15-body);
}
.zaimhubkz-article15 [id] { scroll-margin-top: 90px; }   /* отступ под шапку при переходе по содержанию */
 
/* ---------- Ширина: текст 820, широкие блоки 1200 ---------- */
.zaimhubkz-article15 .zaimhubkz-article15__col { width: 100%; max-width: 820px; margin-inline: auto; }
.zaimhubkz-article15 .zaimhubkz-article15__wide { width: 100%; max-width: 1200px; margin: 44px auto; }
 
/* ---------- Типографика ---------- */
.zaimhubkz-article15 .zaimhubkz-article15__p {
  margin: 0 0 20px;
  font-size: 18px;
  line-height: 1.7;
  color: var(--zh15-body);
}
.zaimhubkz-article15 .zaimhubkz-article15__p strong { font-weight: 700; color: var(--zh15-ink); }
 
.zaimhubkz-article15 .zaimhubkz-article15__h2 {
  margin: 56px 0 20px;
  font-size: clamp(26px, 3.2vw, 32px);
  line-height: 1.2;
  font-weight: 700;
  letter-spacing: -.01em;
  color: var(--zh15-ink);
  text-wrap: balance;
}
.zaimhubkz-article15 .zaimhubkz-article15__h3 {
  margin: 38px 0 12px;
  font-size: clamp(20px, 2.4vw, 22px);
  line-height: 1.3;
  font-weight: 700;
  color: var(--zh15-ink);
}
.zaimhubkz-article15 .zaimhubkz-article15__h3 .zaimhubkz-article15__n {
  color: var(--zh15-green);
  margin-right: 4px;
}
 
/* ---------- Таблицы (1200 px) ---------- */
.zaimhubkz-article15 .zaimhubkz-article15__table-wrap {
  width: 100%;
  background: #fff;
  border: 1px solid var(--zh15-line);
  border-radius: 16px;
  overflow-x: auto;
  box-shadow: 0 1px 2px rgba(11, 27, 54, .05), 0 14px 32px -22px rgba(11, 27, 54, .3);
}
.zaimhubkz-article15 .zaimhubkz-article15__table {
  width: 100%;
  margin: 0;
  border-collapse: collapse;
  border: 0;
  font-size: 16px;
  line-height: 1.5;
}
.zaimhubkz-article15 .zaimhubkz-article15__table th,
.zaimhubkz-article15 .zaimhubkz-article15__table td {
  padding: 17px 26px;
  text-align: left;
  vertical-align: top;
  border: 0;
  border-top: 1px solid var(--zh15-line);
}
.zaimhubkz-article15 .zaimhubkz-article15__table thead th {
  background: var(--zh15-surface);
  border-top: 0;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--zh15-muted);
  letter-spacing: .01em;
}
.zaimhubkz-article15 .zaimhubkz-article15__table tbody td:first-child {
  width: 34%;
  font-weight: 700;
  color: var(--zh15-ink);
}
.zaimhubkz-article15 .zaimhubkz-article15__table tbody td:last-child { color: var(--zh15-body); }
.zaimhubkz-article15 .zaimhubkz-article15__table--calm tbody td:last-child { color: var(--zh15-muted); font-weight: 500; }
.zaimhubkz-article15 .zaimhubkz-article15__table tbody tr { transition: background-color .2s ease; }
.zaimhubkz-article15 .zaimhubkz-article15__table tbody tr:hover { background: #FAFCFE; }
 
/* ---------- Блок карточек МФО (3 карточки JetEngine, 1200 px) ---------- */
.zaimhubkz-article15 .zaimhubkz-article15__offers {
  width: 100%;
  max-width: 1200px;
  margin: 52px auto;
  padding: clamp(22px, 4vw, 40px);
  background: linear-gradient(180deg, #F1FAF7 0%, var(--zh15-surface) 100%);
  border: 1px solid #D9EEE7;
  border-radius: 22px;
}
.zaimhubkz-article15 .zaimhubkz-article15__offers-head { max-width: 820px; margin-bottom: 26px; }
.zaimhubkz-article15 .zaimhubkz-article15__offers-head .zaimhubkz-article15__h3 { margin-top: 0; font-size: clamp(22px, 2.8vw, 26px); }
.zaimhubkz-article15 .zaimhubkz-article15__offers-head .zaimhubkz-article15__p { margin-bottom: 0; }
/* Только для превью: рамки-заглушки. На сайте здесь выводится листинг JetEngine */
.zaimhubkz-article15 .zaimhubkz-article15__offers-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.zaimhubkz-article15 .zaimhubkz-article15__offers-stub {
  min-height: 220px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  text-align: center;
  font-size: 15px;
  color: var(--zh15-muted);
  background: #fff;
  border: 2px dashed #BFD9D1;
  border-radius: 16px;
}
 
/* ---------- Шаги (6 карточек) ---------- */
.zaimhubkz-article15 .zaimhubkz-article15__steps {
  list-style: none;
  margin: 8px 0 0;
  padding: 0;
  display: grid;
  gap: 16px;
}
.zaimhubkz-article15 .zaimhubkz-article15__step {
  position: relative;
  display: flex;
  gap: 18px;
  align-items: flex-start;
  margin: 0;
  padding: 22px 24px;
  background: #fff;
  border: 1px solid var(--zh15-line);
  border-radius: 16px;
  box-shadow: 0 1px 2px rgba(11, 27, 54, .04);
}
/* линия-связка между шагами: это последовательность */
.zaimhubkz-article15 .zaimhubkz-article15__step:not(:last-child)::after {
  content: "";
  position: absolute;
  left: 45px;
  top: 100%;
  width: 2px;
  height: 16px;
  background: #BFE6DC;
}
.zaimhubkz-article15 .zaimhubkz-article15__step-num {
  flex: 0 0 auto;
  width: 44px;
  height: 44px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  background: var(--zh15-mint-soft);
  color: var(--zh15-green);
  font-size: 16px;
  font-weight: 800;
  font-variant-numeric: tabular-nums;
}
.zaimhubkz-article15 .zaimhubkz-article15__step-title {
  margin: 0 0 6px;
  font-size: 18px;
  line-height: 1.3;
  font-weight: 700;
  color: var(--zh15-ink);
}
.zaimhubkz-article15 .zaimhubkz-article15__step-text {
  margin: 0;
  font-size: 16.5px;
  line-height: 1.6;
  color: var(--zh15-body);
}
 
/* ---------- FAQ (аккордеон без JS) ---------- */
.zaimhubkz-article15 .zaimhubkz-article15__faq { display: grid; gap: 12px; }
.zaimhubkz-article15 .zaimhubkz-article15__q {
  background: #fff;
  border: 1px solid var(--zh15-line);
  border-radius: 14px;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.zaimhubkz-article15 .zaimhubkz-article15__q[open] {
  border-color: #BFE6DC;
  box-shadow: 0 12px 28px -22px rgba(11, 27, 54, .35);
}
.zaimhubkz-article15 .zaimhubkz-article15__q-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 22px;
  cursor: pointer;
  list-style: none;
  font-size: 17px;
  line-height: 1.4;
  font-weight: 700;
  color: var(--zh15-ink);
}
.zaimhubkz-article15 .zaimhubkz-article15__q-head::-webkit-details-marker { display: none; }
.zaimhubkz-article15 .zaimhubkz-article15__q-head::after {
  content: "";
  flex: 0 0 auto;
  width: 22px;
  height: 22px;
  background: no-repeat center / contain url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230E7C68' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  transition: transform .25s ease;
}
.zaimhubkz-article15 .zaimhubkz-article15__q[open] .zaimhubkz-article15__q-head::after { transform: rotate(180deg); }
.zaimhubkz-article15 .zaimhubkz-article15__q-head:focus-visible { outline: 3px solid rgba(47, 185, 155, .55); outline-offset: 2px; border-radius: 14px; }
.zaimhubkz-article15 .zaimhubkz-article15__a { padding: 0 22px 20px; }
.zaimhubkz-article15 .zaimhubkz-article15__a .zaimhubkz-article15__p { margin: 0; font-size: 17px; }
 
/* ---------- Главное ---------- */
.zaimhubkz-article15 .zaimhubkz-article15__key {
  margin: 56px auto 0;
  padding: clamp(22px, 4vw, 34px);
  background: #EAF7F3;
  border: 1px solid #CBEBE2;
  border-radius: 18px;
}
.zaimhubkz-article15 .zaimhubkz-article15__key-head { display: flex; align-items: center; gap: 12px; margin-bottom: 12px; }
.zaimhubkz-article15 .zaimhubkz-article15__key-icon {
  flex: 0 0 auto;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--zh15-green);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.zaimhubkz-article15 .zaimhubkz-article15__key-icon svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.zaimhubkz-article15 .zaimhubkz-article15__key .zaimhubkz-article15__h2 { margin: 0; font-size: clamp(24px, 3vw, 28px); }
.zaimhubkz-article15 .zaimhubkz-article15__key .zaimhubkz-article15__p { margin: 0; }
 
/* ---------- Официальные источники ---------- */
.zaimhubkz-article15 .zaimhubkz-article15__src {
  margin-top: 52px;
  padding-top: 28px;
  border-top: 1px solid var(--zh15-line);
}
.zaimhubkz-article15 .zaimhubkz-article15__src .zaimhubkz-article15__h2 { margin: 0 0 12px; font-size: clamp(21px, 2.6vw, 25px); }
.zaimhubkz-article15 .zaimhubkz-article15__src .zaimhubkz-article15__p { font-size: 16px; line-height: 1.6; color: var(--zh15-muted); margin-bottom: 10px; }
.zaimhubkz-article15 .zaimhubkz-article15__ext {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 16px;
  font-weight: 600;
  line-height: 1.5;
  color: var(--zh15-green) !important;
  text-decoration: underline !important;
  text-decoration-color: rgba(14, 124, 104, .35);
  text-underline-offset: 4px;
  transition: text-decoration-color .2s ease;
}
.zaimhubkz-article15 .zaimhubkz-article15__ext:hover { text-decoration-color: var(--zh15-green); }
.zaimhubkz-article15 .zaimhubkz-article15__ext:focus-visible { outline: 3px solid rgba(47, 185, 155, .55); outline-offset: 3px; border-radius: 4px; }
.zaimhubkz-article15 .zaimhubkz-article15__ext::after {
  content: "";
  flex: 0 0 auto;
  width: 15px;
  height: 15px;
  background: no-repeat center / contain url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230E7C68' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 4h6v6'/%3E%3Cpath d='M20 4 10 14'/%3E%3Cpath d='M18 14v4.5a1.5 1.5 0 0 1-1.5 1.5h-11A1.5 1.5 0 0 1 4 18.5v-11A1.5 1.5 0 0 1 5.5 6H10'/%3E%3C/svg%3E");
}
 
/* ---------- CTA (1200 px) ---------- */
.zaimhubkz-article15 .zaimhubkz-article15__cta {
  position: relative;
  overflow: hidden;
  width: 100%;
  max-width: 1200px;
  margin: 56px auto 44px;
  padding: clamp(28px, 5vw, 56px);
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 32px;
  border-radius: 24px;
  color: #fff;
  background:
    radial-gradient(circle at 88% 30%, rgba(63, 208, 176, .22), transparent 42%),
    linear-gradient(120deg, #0B1B36 0%, #12294F 55%, #1B3A6B 100%);
}
.zaimhubkz-article15 .zaimhubkz-article15__cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(143, 176, 230, .28) 1.4px, transparent 1.6px);
  background-size: 28px 28px;
  opacity: .5;
  pointer-events: none;
}
.zaimhubkz-article15 .zaimhubkz-article15__cta-body { position: relative; max-width: 640px; }
.zaimhubkz-article15 .zaimhubkz-article15__cta .zaimhubkz-article15__h2 {
  margin: 0 0 14px;
  color: #fff;
  font-size: clamp(24px, 3.2vw, 34px);
}
.zaimhubkz-article15 .zaimhubkz-article15__cta .zaimhubkz-article15__p {
  margin: 0 0 26px;
  font-size: 17px;
  line-height: 1.65;
  color: #C9D6EC;
}
.zaimhubkz-article15 .zaimhubkz-article15__btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 52px;
  padding: 14px 28px;
  border-radius: 12px;
  background: var(--zh15-mint-bright);
  color: var(--zh15-ink) !important;
  font-size: 16px;
  font-weight: 800;
  text-decoration: none !important;
  transition: background-color .2s ease, transform .2s ease;
}
.zaimhubkz-article15 .zaimhubkz-article15__btn:hover { background: #63E0C4; transform: translateY(-1px); }
.zaimhubkz-article15 .zaimhubkz-article15__btn:focus-visible { outline: 3px solid #fff; outline-offset: 3px; }
.zaimhubkz-article15 .zaimhubkz-article15__cta-coin { position: relative; width: 168px; height: 168px; flex: 0 0 auto; }
.zaimhubkz-article15 .zaimhubkz-article15__cta-coin svg { width: 100%; height: 100%; display: block; }
 
/* ---------- Автор ---------- */
.zaimhubkz-article15 .zaimhubkz-article15__author {
  display: flex;
  gap: 26px;
  align-items: flex-start;
  margin: 8px auto 0;
  padding: 30px;
  background: #FFFFFF;
  border: 1px solid #E2E8F0;
  border-radius: 18px;
  box-shadow: 0 1px 2px rgba(11, 27, 54, .04), 0 16px 34px -26px rgba(11, 27, 54, .3);
}
/* Фото 84 px. Пока фото нет — круг с инициалами. Для фото замените <span> на
   <img class="zaimhubkz-article15__photo" src="..." alt="Айгерим Нурланова" width="84" height="84"> */
.zaimhubkz-article15 .zaimhubkz-article15__photo {
  flex: 0 0 auto;
  width: 84px;
  height: 84px;
  border-radius: 50%;
  object-fit: cover;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, #16305A, #1B3A6B);
  box-shadow: 0 0 0 4px var(--zh15-mint-soft);
  color: #fff;
  font-size: 26px;
  font-weight: 800;
  letter-spacing: .02em;
}
.zaimhubkz-article15 .zaimhubkz-article15__author-main { min-width: 0; }
.zaimhubkz-article15 .zaimhubkz-article15__author-name { margin: 0; font-size: 22px; line-height: 1.25; font-weight: 800; color: var(--zh15-ink); }
.zaimhubkz-article15 .zaimhubkz-article15__author-role { margin: 4px 0 0; font-size: 15.5px; line-height: 1.4; font-weight: 700; color: var(--zh15-green); }
.zaimhubkz-article15 .zaimhubkz-article15__author-exp {
  display: flex;
  flex-wrap: wrap;
  gap: 4px 0;
  margin: 6px 0 0;
  padding: 0;
  list-style: none;
  font-size: 14px;
  line-height: 1.5;
  color: var(--zh15-muted);
}
.zaimhubkz-article15 .zaimhubkz-article15__author-exp li { margin: 0; padding: 0; }
.zaimhubkz-article15 .zaimhubkz-article15__author-exp li + li::before { content: "·"; margin: 0 10px; color: #9AA7BF; }
.zaimhubkz-article15 .zaimhubkz-article15__author-bio { margin: 16px 0 0; font-size: 16px; line-height: 1.65; color: var(--zh15-body); }
.zaimhubkz-article15 .zaimhubkz-article15__author-tags {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  margin: 18px 0 0;
  padding: 16px 0 0;
  border-top: 1px solid var(--zh15-line);
  list-style: none;
}
.zaimhubkz-article15 .zaimhubkz-article15__author-tags-label { margin-right: 4px; font-size: 13.5px; font-weight: 600; color: var(--zh15-muted); }
.zaimhubkz-article15 .zaimhubkz-article15__author-tags li { margin: 0; padding: 0; }
.zaimhubkz-article15 .zaimhubkz-article15__tag {
  display: inline-block;
  padding: 5px 12px;
  border-radius: 999px;
  background: var(--zh15-surface);
  border: 1px solid var(--zh15-line);
  color: var(--zh15-navy);
  font-size: 13.5px;
  font-weight: 600;
  line-height: 1.3;
}
 
/* ---------- Изображение внутри статьи ---------- */
.zaimhubkz-article15 .zaimhubkz-article15__figure { margin: 30px 0 8px; }
 
/* ---------- Похожие статьи ---------- */
.zaimhubkz-article15 .zaimhubkz-article15__related { margin-top: 48px; }
.zaimhubkz-article15 .zaimhubkz-article15__related .zaimhubkz-article15__h2 { margin: 0 0 20px; font-size: clamp(22px, 2.8vw, 27px); }
.zaimhubkz-article15 .zaimhubkz-article15__related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.zaimhubkz-article15 .zaimhubkz-article15__card {
  display: flex;
  flex-direction: column;
  overflow: hidden;
  background: #fff;
  border: 1px solid var(--zh15-line);
  border-radius: 16px;
  text-decoration: none !important;
  color: var(--zh15-ink) !important;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.zaimhubkz-article15 .zaimhubkz-article15__card:hover { border-color: #9FDCCB; box-shadow: 0 14px 30px -22px rgba(11, 27, 54, .4); }
.zaimhubkz-article15 .zaimhubkz-article15__card:focus-visible { outline: 3px solid rgba(47, 185, 155, .55); outline-offset: 2px; }
/* Заглушка миниатюры: на сайте замените на <img class="zaimhubkz-article15__thumb" src="..." alt="..."> */
.zaimhubkz-article15 .zaimhubkz-article15__thumb {
  display: block;
  width: 100%;
  height: 132px;
  object-fit: cover;
  background:
    radial-gradient(circle at 82% 30%, rgba(63, 208, 176, .35), transparent 40%),
    linear-gradient(135deg, #12294F, #1B3A6B);
}
.zaimhubkz-article15 .zaimhubkz-article15__card-body { padding: 16px 18px 18px; }
.zaimhubkz-article15 .zaimhubkz-article15__cat {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 999px;
  background: var(--zh15-mint-soft);
  color: var(--zh15-green);
  font-size: 13px;
  font-weight: 700;
}
.zaimhubkz-article15 .zaimhubkz-article15__card-title { margin: 10px 0 8px; font-size: 17px; line-height: 1.35; font-weight: 700; }
.zaimhubkz-article15 .zaimhubkz-article15__card-meta { margin: 0; font-size: 13.5px; color: var(--zh15-muted); }
 
/* ---------- Планшет ---------- */
@media (max-width: 900px) {
  .zaimhubkz-article15 .zaimhubkz-article15__offers-grid,
  .zaimhubkz-article15 .zaimhubkz-article15__related-grid { grid-template-columns: 1fr; }
  .zaimhubkz-article15 .zaimhubkz-article15__offers-stub { min-height: 120px; }
}
 
/* ---------- Телефон ---------- */
@media (max-width: 640px) {
  .zaimhubkz-article15 { font-size: 17px; }
  .zaimhubkz-article15 .zaimhubkz-article15__p { font-size: 17px; line-height: 1.7; }
  .zaimhubkz-article15 .zaimhubkz-article15__h2 { margin-top: 44px; }
  .zaimhubkz-article15 .zaimhubkz-article15__wide { margin: 32px auto; }
 
  .zaimhubkz-article15 .zaimhubkz-article15__table { font-size: 15px; }
  .zaimhubkz-article15 .zaimhubkz-article15__table th,
  .zaimhubkz-article15 .zaimhubkz-article15__table td { padding: 13px 14px; }
  .zaimhubkz-article15 .zaimhubkz-article15__table tbody td:first-child { width: 40%; }
 
  .zaimhubkz-article15 .zaimhubkz-article15__offers { border-radius: 16px; margin: 40px auto; }
  .zaimhubkz-article15 .zaimhubkz-article15__step { padding: 16px; gap: 14px; }
  .zaimhubkz-article15 .zaimhubkz-article15__step-num { width: 40px; height: 40px; font-size: 15px; }
  .zaimhubkz-article15 .zaimhubkz-article15__step:not(:last-child)::after { left: 36px; }
  .zaimhubkz-article15 .zaimhubkz-article15__step-text { font-size: 16px; }
 
  .zaimhubkz-article15 .zaimhubkz-article15__q-head { padding: 16px 16px; font-size: 16.5px; }
  .zaimhubkz-article15 .zaimhubkz-article15__a { padding: 0 16px 18px; }
 
  .zaimhubkz-article15 .zaimhubkz-article15__cta { grid-template-columns: 1fr; border-radius: 18px; }
  .zaimhubkz-article15 .zaimhubkz-article15__cta-coin { position: absolute; right: -28px; top: -28px; width: 110px; height: 110px; opacity: .35; }
  .zaimhubkz-article15 .zaimhubkz-article15__btn { width: 100%; }
 
  .zaimhubkz-article15 .zaimhubkz-article15__author { flex-direction: column; gap: 16px; padding: 22px 20px; border-radius: 16px; }
  .zaimhubkz-article15 .zaimhubkz-article15__photo { width: 72px; height: 72px; font-size: 22px; }
  .zaimhubkz-article15 .zaimhubkz-article15__author-name { font-size: 20px; }
  .zaimhubkz-article15 .zaimhubkz-article15__author-bio { margin-top: 14px; }
}/* End custom CSS */