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id=\"gspb_iconBox-id-gsbp-ded0612\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"128pt\" style=\"width:5rem;height:5rem;margin:10px\" height=\"128pt\" viewbox=\"0 0 128 128\">\n <path d=\"m67.156 36.27h1.2578c0.23047 0 0.41797 0.1875 0.41797 0.41797v1.1211c0 0.21484 0.16797 0.39062 0.38281 0.41406 2.7695 0.28125 4.6875 1.4766 5.7461 3.5859 0.26953 0.52734 0.48047 1.6172 0.60937 2.4102 0.082032 0.49609-0.30078 0.94922-0.80469 0.94922h-1.4805c-0.20312 0-0.36719-0.16406-0.37891-0.36719-0.10547-1.6328-0.78906-2.8203-2.0469-3.5625-0.47266-0.26562-0.99219-0.44531-1.5586-0.53516-0.14844-0.023437-0.30469-0.035156-0.46875-0.035156v8.5195c0 0.18359 0.125 0.34766 0.29688 0.39844 2.1992 0.68359 3.6445 1.2188 4.3398 1.6055 2.0078 1.1406 3.0117 2.9648 3.0117 5.4688 0 2.457-0.80078 4.4062-2.4062 5.8516-0.25391 0.23047-0.53516 0.4375-0.84766 0.625-1.0703 0.63281-2.4102 1.0352-4.0195 1.2109-0.21094 0.023438-0.37891 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2.8281 4.9336 2.4805 2.7969 5.6992 4.7148 8.2891 6.9922 5.8398 5.0898 9.3242 12.562 9.3359 19.996 0.007812 8.8633-2.707 14.711-9.1094 19.555z\" fill=\"#16866a\"><\/path>\n <path d=\"m62.055 115.3h-0.015626c-5.9531 0.60547-6.0312-0.67188-8.9492-1.8242 1.5781 0.92578 2.3945 1.9375 4.1289 2.5508 1.9492 0.66797 4.8203 0.76562 4.9844 0.75 0.97656-0.097656 0.82812-1.5742-0.14844-1.4766z\" fill=\"#16866a\"><\/path>\n <path d=\"m81.594 89.387c-0.6875-0.85547-1.9883-1.7617-4.2227-1.2812-0.03125 0.011719-3.4258 0.84766-3.9375 1.5352-0.52344 0.71875 1.2109 9.207 5.4453 6.9102 1.6328-0.81641 3.1133-1.4062 3.8711-3.082v-0.011719c0.19531-0.42969 0.015625-2.6328-1.1562-4.0703zm-3.4062 5.8672c-1.9492 1.0039-3.0234-2.6406-3.3672-4.7852 0.64844-0.28516 2.0781-0.75 2.8633-0.91406 1.043-0.22656 1.8516-0.089844 2.4609 0.44141 0.99609 0.86719 1.1914 2.5391 1.2031 2.9727-0.64062 1.2891-2.2617 1.7734-3.1602 2.2852z\" fill=\"#16866a\"><\/path>\n <path d=\"m119.53 89.535c0.019531-0.34375 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1.9414 20.125 2.125 4.7266 0.14844 8.7617-0.91406 12.613-1.8008 4.0156-1.0156 8.9609-2 11.531 1.5156 1.0625 1.4688 1.1211 3.9766-0.40234 5.1406-2.9648 2.3711-12.602 6.1914-16.648 7.2383-6.1055 1.6328-12.516 0.93359-18.453 2.8047 5.9648-1.625 12.395-0.6875 18.629-2.0859 4.0547-0.875 13.805-4.2539 17.27-6.7148h0.011719 0.011719c24.949-8.9688 26.684-9.3945 30.445-8.9688 1.1523 0.13672 2.6172 0.67969 3.418 1.5859-4.4219 0.36328-8.0742 2.6094-9.0391 6.9414-7.4688 2.0312-11.578 4.3867-17.492 7.9102zm19.258-8.625c1.3477-3.2695 4.2539-4.6094 7.6719-4.7852-0.42578 1.1602-1.9727 3.3555-7.6719 4.7852z\" fill=\"#16866a\"><\/path>\n<\/svg><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-palette-color-3-color has-text-color has-link-color wp-elements-c22dead53df3ff7c0e4818f2baf62d9e\" id=\"oszczedzanie-na-wydatkach-stalych\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400;line-height:1.3\"><strong><strong><strong>\u042f\u043a \u0444\u0456\u043d\u0430\u043d\u0441\u0443\u044e\u0442\u044c\u0441\u044f:<\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-57c97ee4f1cb318b456319da0237dbb0\">\u0424\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0456 \u0440\u0430\u0434\u043d\u0438\u043a\u0438 \u043c\u043e\u0436\u0443\u0442\u044c \u043e\u0442\u0440\u0438\u043c\u0443\u0432\u0430\u0442\u0438 \u0432\u0438\u043d\u0430\u0433\u043e\u0440\u043e\u0434\u0443 \u0434\u0432\u043e\u043c\u0430 \u043e\u0441\u043d\u043e\u0432\u043d\u0438\u043c\u0438 \u0441\u043f\u043e\u0441\u043e\u0431\u0430\u043c\u0438:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-d032a070 wp-block-group-is-layout-constrained\" style=\"padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-fef438f3 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-062dab8\" id=\"gspb_iconBox-id-gsbp-062dab8\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-992422190691084ec6f0e62691935693\"><strong>\u041a\u043e\u043c\u0456\u0441\u0456\u044f (\u0447\u0430\u0441\u0442\u043e \u043f\u0440\u0438\u0445\u043e\u0432\u0430\u043d\u0430):<\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-46f24293871652c0bea20fe5a266be54\" style=\"margin-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">\u0426\u0435 \u043d\u0430\u0439\u043f\u043e\u0448\u0438\u0440\u0435\u043d\u0456\u0448\u0430 \u043c\u043e\u0434\u0435\u043b\u044c \u0443 \u041f\u043e\u043b\u044c\u0449\u0456. \u0420\u0430\u0434\u043d\u0438\u043a \u043e\u0442\u0440\u0438\u043c\u0443\u0454 \u043a\u043e\u043c\u0456\u0441\u0456\u044e \u0432\u0456\u0434 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0457 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u0438 (\u043d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434, \u0431\u0430\u043d\u043a\u0443, \u0456\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0456\u0439\u043d\u043e\u0433\u043e \u0444\u043e\u043d\u0434\u0443) \u0437\u0430 \u043f\u0440\u043e\u0434\u0430\u0436 \u0457\u0457 \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u0443, \u0442\u0430\u043a\u043e\u0433\u043e \u044f\u043a \u043a\u0440\u0435\u0434\u0438\u0442, \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0438\u0439 \u043f\u043e\u043b\u0456\u0441 \u0447\u0438 \u0456\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0456\u0439\u043d\u0438\u0439 \u043f\u0440\u043e\u0434\u0443\u043a\u0442. \u0423 \u0446\u0456\u0439 \u043c\u043e\u0434\u0435\u043b\u0456 \u043a\u043b\u0456\u0454\u043d\u0442 \u0447\u0430\u0441\u0442\u043e \u043d\u0435 \u043f\u043b\u0430\u0442\u0438\u0442\u044c \u0440\u0430\u0434\u043d\u0438\u043a\u0443 \u0431\u0435\u0437\u043f\u043e\u0441\u0435\u0440\u0435\u0434\u043d\u044c\u043e, \u0430\u043b\u0435 \u043a\u043e\u043c\u0456\u0441\u0456\u044f \u0437\u0430\u043a\u043b\u0430\u0434\u0435\u043d\u0430 \u0443 \u0432\u0430\u0440\u0442\u0456\u0441\u0442\u044c \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u0443. \u0426\u0435 \u043c\u043e\u0436\u0435 \u043f\u0440\u0438\u0437\u0432\u0435\u0441\u0442\u0438 \u0434\u043e \u043a\u043e\u043d\u0444\u043b\u0456\u043a\u0442\u0443 \u0456\u043d\u0442\u0435\u0440\u0435\u0441\u0456\u0432, \u043e\u0441\u043a\u0456\u043b\u044c\u043a\u0438 \u0440\u0430\u0434\u043d\u0438\u043a \u043c\u043e\u0436\u0435 \u0431\u0443\u0442\u0438 \u0441\u0445\u0438\u043b\u044c\u043d\u0438\u0439 \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0432\u0430\u0442\u0438 \u043f\u0440\u043e\u0434\u0443\u043a\u0442, \u044f\u043a\u0438\u0439 \u043f\u0440\u0438\u043d\u043e\u0441\u0438\u0442\u044c \u0439\u043e\u043c\u0443 \u0431\u0456\u043b\u044c\u0448\u0438\u0439 \u043f\u0440\u0438\u0431\u0443\u0442\u043e\u043a, \u0430 \u043d\u0435 \u0442\u043e\u0439, \u0449\u043e \u043d\u0430\u0439\u043a\u0440\u0430\u0449\u0438\u0439 \u0434\u043b\u044f \u043a\u043b\u0456\u0454\u043d\u0442\u0430.   <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-d032a070 wp-block-group-is-layout-constrained\" style=\"padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-fef438f3 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-dc4ad61\" id=\"gspb_iconBox-id-gsbp-dc4ad61\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-c69a5ef75b6c9b4a0d0a9ffd142123b1\"><strong><strong><strong><strong><strong><strong>\u041e\u043f\u043b\u0430\u0442\u0430 \u0432\u0456\u0434 \u043a\u043b\u0456\u0454\u043d\u0442\u0430 (fee-only):<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-d8192342856bac3c66b8616ecc0986c0\" style=\"margin-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">\u0423 \u0446\u0456\u0439 \u043c\u043e\u0434\u0435\u043b\u0456 \u043a\u043b\u0456\u0454\u043d\u0442 \u043f\u043b\u0430\u0442\u0438\u0442\u044c \u0440\u0430\u0434\u043d\u0438\u043a\u0443 \u0437\u0430 \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u0443 \u043f\u043e\u0441\u043b\u0443\u0433\u0443, \u043d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434, \u0437\u0430 \u043f\u0456\u0434\u0433\u043e\u0442\u043e\u0432\u043a\u0443 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u043f\u043b\u0430\u043d\u0443. \u0412\u0438\u043d\u0430\u0433\u043e\u0440\u043e\u0434\u0430 \u043c\u043e\u0436\u0435 \u0431\u0443\u0442\u0438 \u0444\u0456\u043a\u0441\u043e\u0432\u0430\u043d\u043e\u044e \u0441\u0443\u043c\u043e\u044e, \u043f\u043e\u0433\u043e\u0434\u0438\u043d\u043d\u043e\u044e \u0441\u0442\u0430\u0432\u043a\u043e\u044e \u0430\u0431\u043e \u0432\u0456\u0434\u0441\u043e\u0442\u043a\u043e\u043c \u0432\u0456\u0434 \u0432\u0430\u0440\u0442\u043e\u0441\u0442\u0456 \u043c\u0430\u0439\u043d\u0430, \u044f\u043a\u0438\u043c \u0443\u043f\u0440\u0430\u0432\u043b\u044f\u0454 \u0440\u0430\u0434\u043d\u0438\u043a. \u0426\u044f \u043c\u043e\u0434\u0435\u043b\u044c \u0454 \u0431\u0456\u043b\u044c\u0448 \u043f\u0440\u043e\u0437\u043e\u0440\u043e\u044e \u0439 \u0443\u0441\u0443\u0432\u0430\u0454 \u043a\u043e\u043d\u0444\u043b\u0456\u043a\u0442 \u0456\u043d\u0442\u0435\u0440\u0435\u0441\u0456\u0432, \u043e\u0441\u043a\u0456\u043b\u044c\u043a\u0438 \u0440\u0430\u0434\u043d\u0438\u043a \u043e\u0442\u0440\u0438\u043c\u0443\u0454 \u0432\u0438\u043d\u0430\u0433\u043e\u0440\u043e\u0434\u0443 \u0437\u0430 \u043e\u0431\u2019\u0454\u043a\u0442\u0438\u0432\u043d\u0443 \u043f\u043e\u0440\u0430\u0434\u0443, \u0430 \u043d\u0435 \u0437\u0430 \u043f\u0440\u043e\u0434\u0430\u0436 \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e\u0433\u043e \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u0443. \u0423 \u041f\u043e\u043b\u044c\u0449\u0456 \u0446\u044f \u043c\u043e\u0434\u0435\u043b\u044c \u043c\u0435\u043d\u0448 \u043f\u043e\u043f\u0443\u043b\u044f\u0440\u043d\u0430.   <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group is-content-justification-center is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-bottom:var(--wp--preset--spacing--60);padding-top:0;padding-bottom:0\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-057bf1b1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-palette-color-1-color has-text-color has-link-color wp-elements-0a762411b724327324e06f4cf4e3ca9f is-nowrap is-layout-flex wp-container-core-group-is-layout-29c66b93 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-853f666\" id=\"gspb_iconBox-id-gsbp-853f666\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"128pt\" style=\"width:5rem;height:5rem;margin:10px\" height=\"128pt\" viewbox=\"0 0 128 128\">\n <path d=\"m81.957 8.0898c-6.3359-1.3125-12.145 2.6836-14.074 9.5742 4.6016-5.7539 6.0586-7.9883 14.074-9.5742z\" fill=\"#16866a\"><\/path>\n <path d=\"m78.055 68.02-3.0273 2.3594c-7.4688 5.8203-18.055 5.5234-25.184-0.69922-7.8398-6.8477-19.379-7.0391-27.438-0.45313l-19.086 15.59c-0.31641 0.25781-0.36328 0.72266-0.10547 1.0391 0.14453 0.17969 0.35938 0.26953 0.57422 0.26953 0.16406 0 0.32813-0.054688 0.46875-0.16797l19.086-15.59c7.5-6.1289 18.238-5.9492 25.531 0.42187 7.6602 6.6914 19.039 7.0078 27.059 0.75781l3.0312-2.3633 2.1836 2.8008 9.9922-13.227-15.27 6.4609z\" fill=\"#16866a\"><\/path>\n <path d=\"m99.461 38.652c-0.34375-4.5391-4.7344-5.0703-6.5391-5.8398l-0.38281-7.3359c1.7344-0.078124 3.3477 0.34375 3.3789 0.34375 1.4062 0 1.6133-2.0469 0.27734-2.3633-1.8594-0.44141-3.6523-0.28516-3.7695-0.28516l-0.13672-2.6602c-0.058593-1.0039-1.5273-0.88672-1.4766 0.078125l0.13672 2.7383c-0.097657 0.050781-6.5781 0.97656-6.1719 6.2617 0.31641 4.1445 4.8555 4.8555 6.793 5.6328l0.41406 7.875c-3.3164 0.60156-5.7422-1.6445-6.2734 0.33594l-0.019532 0.070312c-0.17578 0.62891 0.1875 1.2695 0.80859 1.4492 2.9258 0.875 5.5039 0.46094 5.6016 0.46094 0.30469 2.1367-0.26562 4.0352 0.94531 3.9492 1.2422-0.070312 0.46094-1.8711 0.52344-4.1758 4.2344-0.91406 6.1055-3.6523 5.8906-6.5352zm-11.598-9.6133c-0.097656-1.3008 0.75781-2.8867 3.2109-3.4062l0.34375 6.7344c-1.1523-0.55859-3.3711-0.93359-3.5547-3.3281zm5.582 13.777-0.375-7.1484c0.79688 0.45312 3.1016 0.875 3.2891 3.4375 0.12891 1.7031-0.92578 3.0781-2.9141 3.7109z\" fill=\"#16866a\"><\/path>\n <path d=\"m119.16 51.707 0.070312 0.027344c0.32422 0.14062 2.5938 0.91406 3.7617 1.7969 4.1484 2.6641 3.1133 7.4023-0.37109 10.641 2.2695-1.7773 4.2305-4.8555 3.582-7.7305-0.65234-2.8945-3.125-4.1875-4.418-5.0859-0.046875-0.023438-2.0352-1.0039-2.082-1.0234-0.37891-0.14844-0.80859 0.039063-0.95703 0.41797-0.15625 0.37891 0.035156 0.80859 0.41406 0.95703z\" fill=\"#16866a\"><\/path>\n <path d=\"m126.64 76.832c-2.6602-3.9688-5.2695-7.8281-8.4102-9.2266 3.7695-2.7188 4.8438-8.043 2.2656-12.051-1.2812-1.9688-3.2383-3.3164-5.5156-3.7891-2.2852-0.47266-4.6172-0.011719-6.5664 1.3008-2.4727 1.6445-3.7812 4.6094-3.7812 5.7188-0.89453-2.5977-1.9414-6.3906-3.3789-8.3203 10.406-6.4609 11.648-21.582 2.4023-29.824-12.043-10.703-30.672-1.0742-29.43 15.312 0.375 4.9141 2.5781 9.3945 6.1914 12.613 3.2891 2.9336 7.3945 4.5 11.676 4.5 1.0547 0 2.0273-0.097656 2.7266-0.21484 0.14844 3.3789 1.9102 6.832 2.2539 7.7109 6.9336 16.238 8.3477 7.4258 5.8281 19.277-2.8438 13.234-3.6719 16.07-0.23438 20.461 0.089844 0.11719 3.8984 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1.1016z\" fill=\"#16866a\"><\/path>\n <path d=\"m45.66 77.789h-6.1719c-1.418 0-2.5781 1.1602-2.5781 2.5898v37c0 1.4297 1.1602 2.5898 2.5781 2.5898h6.1719c1.4258 0 2.5781-1.1602 2.5781-2.5898l0.003907-37c0-1.4297-1.1523-2.5898-2.582-2.5898zm1.1016 39.59c0 0.60938-0.49219 1.1133-1.1016 1.1133h-6.1719c-0.60938 0-1.1016-0.50391-1.1016-1.1133l-0.003907-37c0-0.60938 0.49219-1.1133 1.1016-1.1133h6.1719c0.60938 0 1.1016 0.50391 1.1016 1.1133z\" fill=\"#16866a\"><\/path>\n<\/svg><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-palette-color-3-color has-text-color has-link-color has-medium-font-size wp-elements-db311c789009997e246d44f0fcc7be97\" id=\"dlaczego-warto-wziac-gleboki-oddech-i-dac-sobie-czas\"><strong>\u0424\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u0439 \u043f\u043e\u0441\u0435\u0440\u0435\u0434\u043d\u0438\u043a<\/strong><\/h2>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-c3876e1e98cd010f87c68e46b1395021\">\u0424\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u0439 \u043f\u043e\u0441\u0435\u0440\u0435\u0434\u043d\u0438\u043a \u2014 \u0446\u0435 \u043e\u0441\u043e\u0431\u0430 \u0430\u0431\u043e \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u044f, \u044f\u043a\u0430 \u0437\u2019\u0454\u0434\u043d\u0443\u0454 \u043a\u043b\u0456\u0454\u043d\u0442\u0430 \u0437 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u043c\u0438 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u0430\u043c\u0438. \u0419\u043e\u0433\u043e \u0433\u043e\u043b\u043e\u0432\u043d\u0430 \u043c\u0435\u0442\u0430 \u2014 <strong>\u043f\u0440\u043e\u0434\u0430\u0436 \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u0438\u0445 \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u0456\u0432<\/strong>, \u0442\u0430\u043a\u0438\u0445 \u044f\u043a \u0456\u043f\u043e\u0442\u0435\u0447\u043d\u0456 \u043a\u0440\u0435\u0434\u0438\u0442\u0438, \u0433\u043e\u0442\u0456\u0432\u043a\u043e\u0432\u0456 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7.9102zm19.258-8.625c1.3477-3.2695 4.2539-4.6094 7.6719-4.7852-0.42578 1.1602-1.9727 3.3555-7.6719 4.7852z\" fill=\"#16866a\"><\/path>\n<\/svg><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-palette-color-3-color has-text-color has-link-color wp-elements-c22dead53df3ff7c0e4818f2baf62d9e\" id=\"oszczedzanie-na-wydatkach-stalych\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400;line-height:1.3\"><strong><strong><strong>\u042f\u043a \u0444\u0456\u043d\u0430\u043d\u0441\u0443\u044e\u0442\u044c\u0441\u044f:<\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-6b929a09c56856dca476aa75c80809c1\">\u041f\u043e\u0441\u0435\u0440\u0435\u0434\u043d\u0438\u043a\u0438 \u043e\u0442\u0440\u0438\u043c\u0443\u044e\u0442\u044c \u0432\u0438\u043d\u0430\u0433\u043e\u0440\u043e\u0434\u0443 \u043c\u0430\u0439\u0436\u0435 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19.996 0.007812 8.8633-2.707 14.711-9.1094 19.555z\" fill=\"#16866a\"><\/path>\n <path d=\"m62.055 115.3h-0.015626c-5.9531 0.60547-6.0312-0.67188-8.9492-1.8242 1.5781 0.92578 2.3945 1.9375 4.1289 2.5508 1.9492 0.66797 4.8203 0.76562 4.9844 0.75 0.97656-0.097656 0.82812-1.5742-0.14844-1.4766z\" fill=\"#16866a\"><\/path>\n <path d=\"m81.594 89.387c-0.6875-0.85547-1.9883-1.7617-4.2227-1.2812-0.03125 0.011719-3.4258 0.84766-3.9375 1.5352-0.52344 0.71875 1.2109 9.207 5.4453 6.9102 1.6328-0.81641 3.1133-1.4062 3.8711-3.082v-0.011719c0.19531-0.42969 0.015625-2.6328-1.1562-4.0703zm-3.4062 5.8672c-1.9492 1.0039-3.0234-2.6406-3.3672-4.7852 0.64844-0.28516 2.0781-0.75 2.8633-0.91406 1.043-0.22656 1.8516-0.089844 2.4609 0.44141 0.99609 0.86719 1.1914 2.5391 1.2031 2.9727-0.64062 1.2891-2.2617 1.7734-3.1602 2.2852z\" fill=\"#16866a\"><\/path>\n <path d=\"m119.53 89.535c0.019531-0.34375 0.070312-0.62109-0.19531-0.86719 0 0 0-0.011719-0.011719-0.011719-0.67969-1.8125-2.8672-2.9648-5.0508-3.2188-4.8438-0.55078-7.6992 0.73828-29.074 8.3203 0.57031-1.6133 0.34375-3.6133-0.75781-5.1289-3.1211-4.293-8.8438-3.1406-13.508-1.9805-9.3555 2.3047-12.496 1.9609-20.078 0.51172-13.539-2.5781-13.992-0.39453-23.77 2.6094-0.51172-2.4531-0.34375-4.125-5.8203-2.9336-0.40234-1.2031-0.10938-0.66797-8.9805 0.89453-1.8711 0.33594-3.25 1.9609-3.2578 3.8594-0.058594 5.6719-0.46094 20.953-0.58984 25.797-0.058594 2.0391 0.79688 3.957 2.3516 5.2695 1.2109 1.0234 2.7188 1.5664 4.2734 1.5664 0.43359 0 0.86719-0.039062 1.3086-0.12891 9.7852-1.9492 10.793-2.5703 11.371-4.2031 2.5898-0.28516 4.5898-1.4375 4.5898-4.3516 9.5195-2.1055 13.402-0.98437 19.23 1.25 14.227 5.4648 12.602 0.20703 29.754-6.6641 7.0195-2.7969 12.879-7.5625 19.594-10.477 8.2266-3.5586 19.332-4.4648 18.621-10.113zm-93.273 30.098c-0.12891 0.22656-7.6992 2.5117-10.18 3.0117-1.5469 0.30469-3.1328-0.097656-4.332-1.1211-3.0898-2.5781-1.5156-4.3047-1.2422-29.922 0.011719-1.1914 0.86719-2.207 2.0469-2.4141 3.0703-0.55078 5.4648-1.082 7.4453-1.4492 1.7031 5.8789 5.1875 23.945 5.9648 28.168 0.56641 2.9375 0.63281 3.0859 0.29687 3.7266zm4.5898-3.9492c0 1.7734-1.2422 2.4727-2.9648 2.707-0.75-4.8633-4.6289-24.328-6.2031-30.141 0.45312-0.097656 0.96484-0.14844 1.9297-0.25781 1.5742-0.1875 1.6055 0.039062 1.7344 0.67969 0.019531 0.097656 0.58203 2.7383 0.62891 2.9453 4.8555 22.906 4.9648 22.77 4.875 24.066zm60.152-12.336h-0.011719c0.33594-0.90625-0.75781-0.73828-1.8594-3.3398-0.42188-1.0039-0.79688-2.0391-1.1602-3.0703 0.089844 0.73828 0.64062 6.6836 2.2461 6.8828 0 0.011719-0.011719 0.011719-0.011719 0.011719h-0.011719c-11.836 7.0586-9.4219 3.8984-20.707 10.387l-0.69922 0.41406c-6.2148 3.582-8.2617 4.0078-16.688 0.77734-5.5352-2.125-9.707-3.5938-19.871-1.3594-0.13672-0.88672 0.097657 0.34375-4.8242-22.832 3.7617-1.1211 7.6094-3.0312 11.578-3.5625 6.5977-0.89453 13.281 1.9414 20.125 2.125 4.7266 0.14844 8.7617-0.91406 12.613-1.8008 4.0156-1.0156 8.9609-2 11.531 1.5156 1.0625 1.4688 1.1211 3.9766-0.40234 5.1406-2.9648 2.3711-12.602 6.1914-16.648 7.2383-6.1055 1.6328-12.516 0.93359-18.453 2.8047 5.9648-1.625 12.395-0.6875 18.629-2.0859 4.0547-0.875 13.805-4.2539 17.27-6.7148h0.011719 0.011719c24.949-8.9688 26.684-9.3945 30.445-8.9688 1.1523 0.13672 2.6172 0.67969 3.418 1.5859-4.4219 0.36328-8.0742 2.6094-9.0391 6.9414-7.4688 2.0312-11.578 4.3867-17.492 7.9102zm19.258-8.625c1.3477-3.2695 4.2539-4.6094 7.6719-4.7852-0.42578 1.1602-1.9727 3.3555-7.6719 4.7852z\" fill=\"#16866a\"><\/path>\n<\/svg><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-palette-color-3-color has-text-color has-link-color wp-elements-c22dead53df3ff7c0e4818f2baf62d9e\" id=\"oszczedzanie-na-wydatkach-stalych\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400;line-height:1.3\"><strong><strong><strong>\u042f\u043a \u0444\u0456\u043d\u0430\u043d\u0441\u0443\u044e\u0442\u044c\u0441\u044f:<\/strong><\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-a21949624b77a724b623610ae4946dd4\">\u0414\u0436\u0435\u0440\u0435\u043b\u0430 \u0444\u0456\u043d\u0430\u043d\u0441\u0443\u0432\u0430\u043d\u043d\u044f \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u0445 \u0442\u0440\u0435\u043d\u0435\u0440\u0456\u0432 \u0440\u0456\u0437\u043d\u043e\u043c\u0430\u043d\u0456\u0442\u043d\u0456:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-d032a070 wp-block-group-is-layout-constrained\" style=\"padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-fef438f3 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-1958182\" id=\"gspb_iconBox-id-gsbp-1958182\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-5c45bb19c4ed6565e8ddcdc8138afdee\"><strong><strong>\u0414\u043e\u0442\u0430\u0446\u0456\u0457 \u0442\u0430 \u0433\u0440\u0430\u043d\u0442\u0438<\/strong><\/strong>:<\/p>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-e023596cbd201dbfb8e1de6e93b19439\" style=\"margin-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">\u0411\u0430\u0433\u0430\u0442\u043e \u043d\u0435\u0443\u0440\u044f\u0434\u043e\u0432\u0438\u0445 \u043e\u0440\u0433\u0430\u043d\u0456\u0437\u0430\u0446\u0456\u0439 \u0456 \u0444\u043e\u043d\u0434\u0456\u0432, \u0449\u043e \u0432\u0435\u0434\u0443\u0442\u044c \u043e\u0441\u0432\u0456\u0442\u043d\u044e \u0434\u0456\u044f\u043b\u044c\u043d\u0456\u0441\u0442\u044c, \u0444\u0456\u043d\u0430\u043d\u0441\u0443\u044e\u0442\u044c\u0441\u044f \u0437 \u043f\u0443\u0431\u043b\u0456\u0447\u043d\u0438\u0445 \u043a\u043e\u0448\u0442\u0456\u0432 (\u043d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434, \u0404\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u044c\u043a\u043e\u0433\u043e \u0421\u043e\u044e\u0437\u0443), \u0434\u0435\u0440\u0436\u0430\u0432\u043d\u0438\u0445 \u0434\u043e\u0442\u0430\u0446\u0456\u0439 (\u043d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434, \u0432\u0456\u0434 \u041c\u0456\u043d\u0456\u0441\u0442\u0435\u0440\u0441\u0442\u0432\u0430 \u0444\u0456\u043d\u0430\u043d\u0441\u0456\u0432) \u0430\u0431\u043e \u043f\u0440\u0438\u0432\u0430\u0442\u043d\u0438\u0445 \u043f\u043e\u0436\u0435\u0440\u0442\u0432.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-d032a070 wp-block-group-is-layout-constrained\" style=\"padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-fef438f3 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-f708951\" id=\"gspb_iconBox-id-gsbp-f708951\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-7a5aa66c5cbecddf8f352ae8c39a53a8\"><strong><strong><strong><strong><strong><strong><strong>\u0417\u0430\u0440\u043e\u0431\u0456\u0442\u043d\u0430 \u043f\u043b\u0430\u0442\u0430 \u0437 \u0434\u0435\u0440\u0436\u0430\u0432\u043d\u0438\u0445 \u0443\u0441\u0442\u0430\u043d\u043e\u0432:<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-9a629aeccc21670a2bfd1cf6d74eb15c\" style=\"margin-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">\u041e\u0441\u0432\u0456\u0442\u044f\u043d\u0438 \u043c\u043e\u0436\u0443\u0442\u044c \u043f\u0440\u0430\u0446\u044e\u0432\u0430\u0442\u0438 \u0432 \u0434\u0435\u0440\u0436\u0430\u0432\u043d\u0438\u0445 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u0430\u0445, \u0442\u0430\u043a\u0438\u0445 \u044f\u043a <strong>\u041d\u0430\u0446\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u0438\u0439 \u0431\u0430\u043d\u043a \u041f\u043e\u043b\u044c\u0449\u0456 (NBP)<\/strong>, <strong>UOKiK <\/strong>\u0447\u0438 <strong>\u041a\u043e\u043c\u0456\u0441\u0456\u044f \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u043d\u0430\u0433\u043b\u044f\u0434\u0443 (KNF)<\/strong>, \u044f\u043a\u0456 \u0440\u0435\u0430\u043b\u0456\u0437\u0443\u044e\u0442\u044c \u043f\u0443\u0431\u043b\u0456\u0447\u043d\u0456 \u043e\u0441\u0432\u0456\u0442\u043d\u0456 \u043a\u0430\u043c\u043f\u0430\u043d\u0456\u0457.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-d032a070 wp-block-group-is-layout-constrained\" style=\"padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-fef438f3 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-cd4cab8\" id=\"gspb_iconBox-id-gsbp-cd4cab8\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-d878593fe3d9a8bceeb8ba8b1ec5a2f9\"><strong><strong><strong><strong><strong><strong><strong><strong>\u041f\u0440\u043e\u0434\u0430\u0436 \u043a\u043d\u0438\u0433 \u0456 \u043a\u0443\u0440\u0441\u0456\u0432:<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-9f72ea610840fdc50c5745a7061ad436\" style=\"margin-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">\u041d\u0435\u0437\u0430\u043b\u0435\u0436\u043d\u0456 \u043e\u0441\u0432\u0456\u0442\u044f\u043d\u0438 \u0447\u0430\u0441\u0442\u043e \u0437\u0430\u0440\u043e\u0431\u043b\u044f\u044e\u0442\u044c \u043d\u0430 \u043f\u0440\u043e\u0434\u0430\u0436\u0456 \u0432\u043b\u0430\u0441\u043d\u0438\u0445 \u043f\u0443\u0431\u043b\u0456\u043a\u0430\u0446\u0456\u0439, \u043a\u043d\u0438\u0433, \u043e\u043d\u043b\u0430\u0439\u043d-\u043a\u0443\u0440\u0441\u0456\u0432 \u0447\u0438 \u043f\u0440\u043e\u0432\u0435\u0434\u0435\u043d\u043d\u0456 \u043f\u043b\u0430\u0442\u043d\u0438\u0445 \u043c\u0430\u0439\u0441\u0442\u0435\u0440-\u043a\u043b\u0430\u0441\u0456\u0432 \u0442\u0430 \u0442\u0440\u0435\u043d\u0456\u043d\u0433\u0456\u0432.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-d032a070 wp-block-group-is-layout-constrained\" style=\"padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-fef438f3 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-8cf3239\" id=\"gspb_iconBox-id-gsbp-8cf3239\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color 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