.insurance-program-сommission {
    --ipc-bg: #f0f4f8;
    --ipc-text: #2d3748;
    --ipc-primary: #1a365d;
    --ipc-primary-light: #2b6cb0;
    --ipc-primary-lighter: #2c5282;
    --ipc-border: #e2e8f0;
    --ipc-hover-bg: #f7fafc;
    --ipc-hover-bg-strong: #edf2f7;
    --ipc-white: #fff;
  }

  .insurance-program-сommission,
  .insurance-program-сommission *,
  .insurance-program-сommission *::before,
  .insurance-program-сommission *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
  }

  .insurance-program-сommission {
    font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
    background: var(--ipc-bg);
    color: var(--ipc-text);
    line-height: 1.6;
    min-height: 100vh;
    display: flex;
    flex-direction: column;
  }

  .insurance-program-сommission .ipc-page {
    max-width: 960px;
    margin: 0 auto;
    padding: 40px 24px 60px;
    width: 100%;
  }

  .insurance-program-сommission .ipc-header {
    background: linear-gradient(135deg, var(--ipc-primary) 0%, var(--ipc-primary-light) 50%, var(--ipc-primary-lighter) 100%);
    color: var(--ipc-white);
    padding: 0;
    box-shadow: 0 4px 20px rgba(26, 54, 93, 0.25);
    position: relative;
    overflow: hidden;
  }

  .insurance-program-сommission .ipc-header::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, #48bb78, #4299e1, #ed8936, #48bb78);
    background-size: 200% 100%;
    animation: ipc-shimmer 3s linear infinite;
  }

  @keyframes ipc-shimmer {
    0% { background-position: 200% 0; }
    100% { background-position: -200% 0; }
  }

  .insurance-program-сommission .ipc-header-inner {
    max-width: 960px;
    margin: 0 auto;
    padding: 0px 20px 5px;
    position: relative;
    z-index: 1;
  }

  .insurance-program-сommission .ipc-header-title {
    font-size: 1.75rem;
    font-weight: 700;
    letter-spacing: -0.02em;
    line-height: 1.3;
    margin-bottom: 8px;
  }

  .insurance-program-сommission .ipc-header-subtitle {
    font-size: 1rem;
    opacity: 0.85;
    font-weight: 400;
  }

  .insurance-program-сommission .ipc-nav {
    background: var(--ipc-white);
    border-bottom: 1px solid var(--ipc-border);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 8px rgba(0,0,0,0.04);
  }

  .insurance-program-сommission .ipc-nav-inner {
    max-width: 960px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    gap: 0;
    list-style: none;
    overflow-x: auto;
  }

  .insurance-program-сommission .ipc-nav-inner li {
    margin: 0;
  }

  .insurance-program-сommission .ipc-nav .ipc-nav-inner ul li {
    padding: 6px 0 6px 24px !important;
  }

  .insurance-program-сommission .ipc-nav-inner a {
    display: block;
    padding: 14px 20px;
    color: #4a5568;
    text-decoration: none;
    font-size: 1.25rem;
    font-weight: 500;
    border-bottom: 3px solid transparent;
    transition: all 0.2s;
    white-space: nowrap;
  }

  .insurance-program-сommission .ipc-nav-inner a:hover {
    color: var(--ipc-primary-light);
    border-bottom-color: var(--ipc-primary-light);
    background: var(--ipc-hover-bg);
  }

  .insurance-program-сommission .ipc-card {
    background: var(--ipc-white);
    border-radius: 12px;
    box-shadow: 0 1px 3px rgba(0,0,0,0.06), 0 1px 2px rgba(0,0,0,0.04);
    overflow: hidden;
    margin-bottom: 32px;
  }

  .insurance-program-сommission .ipc-card-header {
    padding: 28px 32px 0;
  }

  .insurance-program-сommission .ipc-card-body {
    padding: 0px 0px 10px;
  }

  .insurance-program-сommission .ipc-section-title {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--ipc-primary);
    border-bottom: 3px solid var(--ipc-primary-light);
    padding-bottom: 10px;
    margin-bottom: 20px;
    display: flex;
    align-items: center;
    gap: 10px;
  }

  .insurance-program-сommission .ipc-section-title .ipc-icon {
    width: 28px;
    height: 28px;
    background: var(--ipc-primary-light);
    border-radius: 6px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: var(--ipc-white);
    font-size: 0.85rem;
    flex-shrink: 0;
  }

  .insurance-program-сommission p {
    margin-bottom: 16px;
    font-size: 1.25rem;
  }

  .insurance-program-сommission p:last-child {
    margin-bottom: 0;
  }

  .insurance-program-сommission ul {
    list-style: none;
    padding: 0;
  }

  .insurance-program-сommission ul li {
    padding: 6px 0 6px 24px !important;
    position: relative;
    font-size: 1.25rem;
  }

  .insurance-program-сommission ul li::before {
    /*content: '';*/
    position: absolute;
    left: 4px;
    top: 14px;
    width: 8px;
    height: 8px;
    background: var(--ipc-primary-light);
    border-radius: 50%;
    opacity: 0.5;
  }

  .insurance-program-сommission .ipc-accordion {
    display: flex;
    flex-direction: column;
    gap: 8px;
  }

  .insurance-program-сommission .ipc-accordion-item {
    border: 1px solid var(--ipc-border);
    border-radius: 10px;
    overflow: hidden;
    transition: box-shadow 0.2s;
  }

  .insurance-program-сommission .ipc-accordion-item:hover {
    box-shadow: 0 2px 8px rgba(0,0,0,0.06);
  }

  .insurance-program-сommission .ipc-accordion-header {
    margin: 0;
  }

  .insurance-program-сommission .ipc-accordion-header a {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 20px;
    background: var(--ipc-hover-bg);
    color: var(--ipc-text);
    text-decoration: none;
    font-weight: 600;
    font-size: 1.25rem;
    transition: background 0.2s, color 0.2s;
    cursor: pointer;
    user-select: none;
  }

  .insurance-program-сommission .ipc-accordion-header a:hover {
    background: var(--ipc-hover-bg-strong);
    color: var(--ipc-primary-light);
  }

  .insurance-program-сommission .ipc-accordion-header a::after {
    content: '+';
    font-size: 1.2rem;
    font-weight: 300;
    color: #a0aec0;
    transition: transform 0.3s, color 0.2s;
    flex-shrink: 0;
    margin-left: 12px;
  }

  .insurance-program-сommission .ipc-accordion-header a.ipc-active::after {
    content: '−';
    color: var(--ipc-primary-light);
  }

  .insurance-program-сommission .ipc-accordion-body {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease, padding 0.3s ease;
    padding: 0 20px;
    background: var(--ipc-white);
  }

  .insurance-program-сommission .ipc-accordion-body.ipc-open {
    max-height: 2000px;
    padding: 16px 20px 20px;
  }

  .insurance-program-сommission .ipc-accordion-body ul li {
    font-size: 0.9rem;
  }

  .insurance-program-сommission .ipc-accordion-body ul li::before {
    top: 13px;
    width: 6px;
    height: 6px;
  }

  .insurance-program-сommission .ipc-accordion-body a {
    color: var(--ipc-primary-light);
    text-decoration: none;
    transition: color 0.2s;
  }

  .insurance-program-сommission .ipc-accordion-body a:hover {
    color: var(--ipc-primary);
    text-decoration: underline;
  }

  .insurance-program-сommission .ipc-highlight-box {
    background: linear-gradient(135deg, #ebf8ff, #e6f7ff);
    border-left: 4px solid var(--ipc-primary-light);
    border-radius: 8px;
    padding: 20px 5px;
    margin-bottom: 20px;
  }

  .insurance-program-сommission .ipc-highlight-box p {
    margin-bottom: 0;
  }

  .insurance-program-сommission .ipc-footer {
    margin-top: auto;
    background: var(--ipc-primary);
    color: rgba(255,255,255,0.7);
    text-align: center;
    padding: 24px;
    font-size: 1.25rem;
  }

  @media (max-width: 640px) {
    .insurance-program-сommission .ipc-page { padding: 24px 16px 40px; }
    .insurance-program-сommission .ipc-header-inner { padding: 32px 20px 28px; }
    .insurance-program-сommission .ipc-header-title { font-size: 1.35rem; }
    .insurance-program-сommission .ipc-card-header { padding: 20px 20px 0; }
    .insurance-program-сommission .ipc-card-body { padding: 16px 20px 24px; }
    .insurance-program-сommission .ipc-accordion-header a { padding: 14px 16px; font-size: 1.25rem; }
    .insurance-program-сommission .ipc-accordion-body { padding: 0 16px; }
    .insurance-program-сommission .ipc-accordion-body.ipc-open { padding: 12px 16px 16px; }
    .insurance-program-сommission .ipc-nav-inner { padding: 0 16px; }
    .insurance-program-сommission .ipc-nav-inner a { padding: 12px 14px; }
    .insurance-program-сommission .ipc-highlight-box { padding: 16px 18px; }
  }


  .regulation-container {
    max-width: 1200px;
    margin: 0 auto;
    background: #ffffff;
    box-shadow: 0 20px 35px -12px rgba(0, 0, 0, 0.15);
    border-radius: 20px;
    overflow: hidden;
    padding: 40px 48px;
    transition: all 0.2s;
}

@media (max-width: 768px) {
    .regulation-container {
        padding: 24px 20px;
    }
    body {
        padding: 20px 12px;
    }
}

/* Типографика */
.appendix-header {
    font-size: 0.9rem;
    color: #2c5a6e;
    border-bottom: 1px solid #cfdfe9;
    padding-bottom: 12px;
    margin-bottom: 24px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    font-weight: 500;
}

.doc-title {
    font-size: 1.9rem;
    font-weight: 700;
    line-height: 1.3;
    margin: 20px 0 20px 0;
    color: #0f3b4f;
    text-align: center;
    letter-spacing: -0.3px;
    border-bottom: 2px solid #bfd9e5;
    padding-bottom: 20px;
}

.doc-subtitle {
    text-align: center;
    font-size: 0.95rem;
    color: #3c6e8c;
    margin-top: -12px;
    margin-bottom: 30px;
    font-style: italic;
}

/* Основные пункты */
.article {
    margin: 1.8rem 0 1.2rem 0;
}

.article-number {
    display: inline-block;
    font-weight: 700;
    font-size: 1.1rem;
    color: #1b516d;
    background: #eef4f8;
    padding: 0 8px 0 4px;
    border-radius: 20px;
    margin-right: 10px;
}

.article-text {
    font-weight: 600;
    font-size: 1.05rem;
    color: #1a3b48;
    display: inline;
}

.article-content {
    margin-top: 12px;
    margin-left: 28px;
    padding-left: 12px;
    border-left: 2px solid #cde3ed;
}

/* Списки подпунктов (1), 2) и т.д.) */
.subpoint-list {
    list-style: none;
    margin: 12px 0 12px 22px;
    padding-left: 0;
}

.subpoint-item {
    margin-bottom: 10px;
    position: relative;
    padding-left: 28px;
    font-size: 0.98rem;
}

.subpoint-marker {
    position: absolute;
    left: 0;
    font-weight: 600;
    color: #2c6a8c;
}

.nested-list {
    list-style: none;
    margin: 8px 0 8px 40px;
    padding-left: 0;
}

.nested-list li {
    margin-bottom: 6px;
    position: relative;
    padding-left: 20px;
}

.nested-list li::before {
    content: "—";
    position: absolute;
    left: 0;
    color: #598ea8;
    font-weight: 500;
}

/* Для перечислений внутри подпунктов (с тире) */
.dash-list {
    margin: 8px 0 10px 40px;
    list-style: none;
}

.dash-list li {
    margin-bottom: 6px;
    padding-left: 20px;
    position: relative;
}

.dash-list li::before {
    content: "";
    position: absolute;
    left: 4px;
    color: #2c6a8c;
    font-weight: bold;
}

/* Дополнительные отступы для сложных блоков */
.indent-block {
    margin-left: 28px;
    padding-left: 12px;
    border-left: 1px dashed #cbdde6;
}

.legal-note {
    margin-top: 25px;
    padding-top: 15px;
    font-size: 0.85rem;
    color: #5e7e92;
    border-top: 1px solid #dcf0f8;
    text-align: center;
}

strong, b {
    color: #1c5d7a;
}

a {
    color: #1c6d8f;
    text-decoration: none;
}

hr {
    margin: 20px 0;
    border: none;
    height: 1px;
    background: linear-gradient(to right, #c0d9e6, transparent);
}

.small-print {
    font-size: 0.85rem;
    color: #567e94;
}