*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
    --kvClay: #6b3a24;
    --kvMain: #c1673d;
    --kvSand: #f0d9b5;
    --kvInk: #2b1a12;
    --kvMute: #7a6153;
    --kvEdge: #e3cdb6;
    --kvPaper: #fbf6f0;
    --kvTint: #f3e5d6;
    --kvPanel: #ffffff;
    --kvDark: #4a2617;
    --kvUi: "Gill Sans", "Gill Sans MT", Calibri, sans-serif;
    --kvHead: Baskerville, "Times New Roman", serif;
    --kvR1: 4px;
    --kvR2: 14px;
    --kvR3: 22px;
    --kvLift1: 0 8px 18px rgba(43, 26, 18, .07);
    --kvLift2: 0 16px 34px rgba(43, 26, 18, .11);
}

html { scroll-behavior: smooth; }

body {
    font-family: var(--kvHead);
    background:
        radial-gradient(circle at 88% 0%, rgba(193, 103, 61, .14), transparent 38%),
        linear-gradient(180deg, #fbf6f0 0%, #f3e5d6 100%);
    color: var(--kvInk);
    line-height: 1.76;
    font-size: 16px;
}

a {
    color: var(--kvClay);
    text-decoration: none;
    transition: color .2s ease, border-color .2s ease;
}
a:hover { color: var(--kvMain); }

/* ---------- Шапка ---------- */
.kvTopBar {
    position: sticky;
    top: 0;
    z-index: 30;
    padding: 16px 20px;
    text-align: center;
    background: rgba(251, 246, 240, .93);
    backdrop-filter: blur(14px);
    border-bottom: 2px solid rgba(107, 58, 36, .18);
}
.kvTopBarInner {
    max-width: 1220px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
    text-align: center;
}
.kvTopBarName {
    font-family: var(--kvUi);
    font-size: 22px;
    letter-spacing: .24em;
    text-transform: uppercase;
    font-weight: 700;
    color: var(--kvClay);
}

/* ---------- Hero документа ---------- */
.kvDocLead {
    max-width: 1220px;
    margin: 0 auto;
    padding: 52px 24px 34px;
    color: var(--kvInk);
    border-bottom: 2px solid var(--kvEdge);
}
.kvDocLeadCentered { text-align: center; }
.kvDocLeadBand {
    background: linear-gradient(120deg, rgba(240, 217, 181, .7), rgba(251, 246, 240, .2));
    border: 2px solid var(--kvEdge);
    border-radius: var(--kvR1);
    padding: 40px 32px 34px;
    margin-top: 26px;
    margin-bottom: 20px;
    border-bottom-width: 2px;
}
.kvDocTag {
    display: inline-block;
    padding: 6px 15px;
    border: 2px solid var(--kvMain);
    border-radius: var(--kvR1);
    background: var(--kvTint);
    font-family: var(--kvUi);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: .16em;
    text-transform: uppercase;
    color: var(--kvClay);
    margin-bottom: 16px;
}
.kvDocTitle {
    max-width: 860px;
    margin: 0 0 14px;
    font-family: var(--kvHead);
    font-weight: 400;
    font-size: clamp(30px, 4.6vw, 52px);
    line-height: 1.14;
    color: var(--kvClay);
}
.kvDocLeadCentered .kvDocTitle { margin-left: auto; margin-right: auto; }
.kvDocSub {
    max-width: 700px;
    margin: 0;
    color: var(--kvMute);
    font-family: var(--kvUi);
    font-size: 17px;
    line-height: 1.8;
}
.kvDocLeadCentered .kvDocSub { margin-left: auto; margin-right: auto; }
.kvDocBrush {
    display: inline-block;
    padding: 0 12px 4px;
    background: linear-gradient(100deg, rgba(240, 217, 181, .95), rgba(193, 103, 61, .32));
    border-radius: 255px 15px 225px 15px / 15px 225px 15px 255px;
    color: var(--kvDark);
}

/* ---------- Двоколонковий каркас ---------- */
.kvTextHold {
    max-width: 1220px;
    margin: 0 auto;
    padding: 30px 24px 80px;
}
.kvDocGrid {
    display: grid;
    grid-template-columns: 320px minmax(0, 1fr);
    gap: 38px;
    align-items: start;
}
.kvDocGridWide { grid-template-columns: 340px minmax(0, 1fr); gap: 44px; }
.kvDocGridSnug { grid-template-columns: 288px minmax(0, 1fr); gap: 32px; }

@media (max-width: 980px) {
    .kvDocGrid,
    .kvDocGridWide,
    .kvDocGridSnug {
        grid-template-columns: minmax(0, 1fr);
        gap: 26px;
    }
}

.kvDocBody { min-width: 0; }

/* ---------- Аркуш тексту ---------- */
.kvTextSheet {
    background: var(--kvPanel);
    border: 2px solid var(--kvEdge);
    border-radius: var(--kvR1);
    padding: 44px 46px 46px;
}
@media (max-width: 740px) {
    .kvTextSheet { padding: 26px 20px 30px; }
    .kvDocLead { padding-top: 40px; }
    .kvDocLeadBand { padding: 28px 20px 24px; }
}

.kvTextSheet h2 {
    font-family: var(--kvHead);
    font-weight: 400;
    font-size: clamp(23px, 3vw, 31px);
    line-height: 1.2;
    color: var(--kvClay);
    margin: 38px 0 14px;
    padding-bottom: 8px;
    border-bottom: 2px solid var(--kvTint);
    scroll-margin-top: 92px;
}
.kvTextSheet h2:first-child { margin-top: 0; }
.kvTextSheet h3 {
    font-family: var(--kvUi);
    font-size: 17px;
    font-weight: 700;
    letter-spacing: .04em;
    line-height: 1.35;
    color: var(--kvDark);
    margin: 24px 0 10px;
}
.kvTextSheet p {
    color: var(--kvMute);
    margin-bottom: 15px;
}
.kvTextSheet ul,
.kvTextSheet ol {
    padding-left: 22px;
    margin: 0 0 17px;
    color: var(--kvMute);
}
.kvTextSheet li { margin-bottom: 8px; }
.kvTextSheet li::marker { color: var(--kvMain); }
.kvTextSheet strong { color: var(--kvDark); }

/* ---------- Картки: без тіней, товсті рамки ---------- */
.kvClaimGrid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
    gap: 16px;
    margin: 26px 0;
}
.kvClaimBox {
    background: var(--kvPaper);
    border: 2px solid var(--kvEdge);
    border-left: 6px solid var(--kvMain);
    border-radius: var(--kvR1);
    padding: 20px 18px;
    box-shadow: none;
}
.kvClaimBoxTitle {
    font-family: var(--kvUi);
    font-size: 14px;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: var(--kvClay);
    margin-bottom: 7px;
}
.kvClaimBoxBody {
    font-size: 14.5px;
    line-height: 1.7;
    color: var(--kvMute);
}

.kvHintBox {
    margin: 26px 0;
    padding: 20px 22px;
    border-radius: var(--kvR1);
    background: var(--kvTint);
    border: 2px solid var(--kvMain);
    box-shadow: none;
}
.kvHintBox p { margin: 0; color: var(--kvDark); }

/* ---------- Таблиця з вертикальними роздільниками ---------- */
.kvFactTable {
    width: 100%;
    border-collapse: collapse;
    margin: 22px 0 28px;
    background: var(--kvPanel);
    border: 2px solid var(--kvClay);
    box-shadow: none;
}
.kvFactTable th {
    background: var(--kvClay);
    color: var(--kvSand);
    text-align: left;
    padding: 13px 16px;
    font-family: var(--kvUi);
    font-size: 13px;
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
    border-right: 2px solid rgba(240, 217, 181, .45);
}
.kvFactTable th:last-child { border-right: none; }
.kvFactTable td {
    padding: 13px 16px;
    border-bottom: 1px solid var(--kvTint);
    border-right: 2px solid var(--kvEdge);
    color: var(--kvMute);
    vertical-align: top;
}
.kvFactTable td:last-child { border-right: none; }
.kvFactTable tr:nth-child(even) td { background: var(--kvPaper); }
.kvFactTable tr:last-child td { border-bottom: none; }
.kvTableScroll { overflow-x: auto; }

/* ---------- Кроки ---------- */
.kvFlowList {
    margin: 28px 0;
    display: grid;
    gap: 14px;
}
.kvFlowStep {
    display: grid;
    grid-template-columns: 50px minmax(0, 1fr);
    gap: 16px;
    align-items: start;
    padding: 18px 20px 16px;
    background: var(--kvPaper);
    border: 2px solid var(--kvEdge);
    border-radius: var(--kvR1);
    box-shadow: none;
}
.kvFlowStepNum {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    display: grid;
    place-items: center;
    font-family: var(--kvUi);
    font-size: 19px;
    font-weight: 700;
    color: var(--kvSand);
    background: var(--kvClay);
    border: 2px solid var(--kvMain);
}
.kvFlowStepTitle {
    font-family: var(--kvUi);
    font-size: 15px;
    font-weight: 700;
    letter-spacing: .05em;
    color: var(--kvDark);
    margin-bottom: 4px;
}
.kvFlowStepText {
    font-size: 15px;
    color: var(--kvMute);
}

/* ---------- Футер ---------- */
.kvFootRail {
    margin-top: 40px;
    background: var(--kvDark);
    color: #d8bfa8;
    padding: 26px 20px 22px;
    text-align: center;
    border-top: 4px solid var(--kvMain);
    font-family: var(--kvUi);
}
.kvFootRailInner {
    max-width: 900px;
    margin: 0 auto;
}
.kvFootRailNav {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 6px 22px;
    margin-bottom: 14px;
}
.kvFootRailNav a {
    color: var(--kvSand);
    font-size: 12px;
    letter-spacing: .06em;
    text-decoration: none;
    border-bottom: 1px dotted rgba(240, 217, 181, .45);
}
.kvFootRailNav a:hover { color: #fff; border-bottom-color: #fff; }
.kvFootRailBiz {
    font-size: 12px;
    color: #c2a48c;
    line-height: 1.8;
    margin-bottom: 12px;
}
.kvFootRailLegal {
    font-size: 11.5px;
    color: #a98c76;
    line-height: 1.75;
    max-width: 780px;
    margin: 0 auto 12px;
}
.kvFootRailNote {
    font-size: 11.5px;
    color: #a98c76;
}