/* ============================================================
   Finvora — modern fintech UI
   ============================================================ */

@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
  src: url('/assets/fonts/manrope-cyrillic-ext.woff2') format('woff2');
  unicode-range: U+0460-052F, U+1C80-1C8A, U+20B4, U+2DE0-2DFF, U+A640-A69F, U+FE2E-FE2F;
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
  src: url('/assets/fonts/manrope-cyrillic.woff2') format('woff2');
  unicode-range: U+0301, U+0400-045F, U+0490-0491, U+04B0-04B1, U+2116;
}
@font-face {
  font-family: 'Manrope';
  font-style: normal;
  font-weight: 400 800;
  font-display: swap;
  src: url('/assets/fonts/manrope-latin.woff2') format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

:root {
  --ink: #0b1220;
  --ink-2: #111b2e;
  --muted: #59647a;
  --muted-2: #8b94a7;
  --bg: #f5f6f8;
  --card: #ffffff;
  --line: #e7e9ef;
  --line-soft: #eef0f4;
  --brand: #4d7cfe;
  --violet: #8b5cf6;
  --lime: #c9f04b;
  --green: #12b76a;
  --red: #f04438;
  --grad: linear-gradient(115deg, #4d7cfe 0%, #8b5cf6 100%);
  --grad-soft: linear-gradient(115deg, rgba(77, 124, 254, .12), rgba(139, 92, 246, .12));
  --hero: #070b14;
  --radius-sm: 14px;
  --radius: 22px;
  --radius-lg: 30px;
  --shadow-xs: 0 1px 2px rgba(11, 18, 32, .05);
  --shadow-sm: 0 2px 4px rgba(11, 18, 32, .04), 0 8px 24px rgba(11, 18, 32, .06);
  --shadow-md: 0 4px 8px rgba(11, 18, 32, .05), 0 18px 48px rgba(11, 18, 32, .10);
  --shadow-lg: 0 8px 16px rgba(11, 18, 32, .07), 0 32px 80px rgba(11, 18, 32, .16);
}

*, *::before, *::after { box-sizing: border-box }

html { scroll-behavior: smooth; scroll-padding-top: 130px }

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: 'Manrope', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  font-weight: 500;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

h1, h2, h3, h4 {
  margin: 0 0 .6em;
  font-weight: 800;
  line-height: 1.08;
  letter-spacing: -.03em;
}
h1 { font-size: clamp(2.4rem, 5.4vw, 4.2rem) }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.9rem) }
h3 { font-size: 1.3rem; letter-spacing: -.02em }
p { margin: 0 0 1rem }
a { color: var(--brand); text-decoration-thickness: 1.5px; text-underline-offset: 2px }
a:hover { color: var(--violet) }

:focus-visible {
  outline: 3px solid var(--brand);
  outline-offset: 3px;
  border-radius: 6px;
}

::selection { background: var(--lime); color: var(--ink) }

.container {
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}
.container-narrow { max-width: 860px }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--brand);
  margin-bottom: 1rem;
}
.eyebrow::before {
  content: "";
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--grad);
  box-shadow: 0 0 0 4px rgba(77, 124, 254, .15);
}

.section { padding: 96px 0 }
.section-tight { padding: 64px 0 }
.section-head { max-width: 720px; margin-bottom: 48px }
.section-head p { color: var(--muted); font-size: 1.08rem; margin: 0 }
.section-head-center { margin-left: auto; margin-right: auto; text-align: center }

/* ============ Navigation ============ */
.nav-wrap {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  padding: 14px 0;
  transition: padding .25s ease;
}
.nav-wrap.scrolled { padding: 8px 0 }

.nav {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  background: rgba(255, 255, 255, .78);
  backdrop-filter: saturate(1.6) blur(16px);
  -webkit-backdrop-filter: saturate(1.6) blur(16px);
  border: 1px solid rgba(11, 18, 32, .06);
  border-radius: 999px;
  padding: 10px 12px 10px 20px;
  box-shadow: var(--shadow-sm);
}

.brand {
  display: flex;
  align-items: center;
  gap: .6rem;
  font-weight: 800;
  font-size: 1.15rem;
  letter-spacing: -.03em;
  color: var(--ink);
  text-decoration: none;
  flex: none;
}
.brand-mark {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 11px;
  background: var(--grad);
  box-shadow: 0 4px 12px rgba(77, 124, 254, .35);
}
.brand-mark svg { display: block }

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-left: auto;
}
.nav-links a {
  position: relative;
  color: var(--ink-2);
  text-decoration: none;
  font-size: .95rem;
  font-weight: 600;
  padding: 8px 14px;
  border-radius: 999px;
  transition: background .2s, color .2s;
}
.nav-links a:hover { background: rgba(11, 18, 32, .05); color: var(--ink) }
.nav-links a[aria-current="page"] { background: var(--ink); color: #fff }

.nav-actions { display: flex; align-items: center; gap: 10px; flex: none }

.burger {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid rgba(255, 255, 255, .45);
  background: linear-gradient(135deg, #4d7cfe, #8b5cf6);
  border-radius: 14px;
  box-shadow: 0 6px 16px rgba(77, 124, 254, .32), inset 0 1px 0 rgba(255, 255, 255, .45);
  cursor: pointer;
  padding: 0;
  place-items: center;
  transition: transform .2s ease, box-shadow .2s ease, filter .2s ease;
}
.burger:hover { box-shadow: 0 9px 22px rgba(77, 124, 254, .42), inset 0 1px 0 rgba(255, 255, 255, .45); filter: saturate(1.05) }
.burger:active { transform: scale(.94) }
.burger:focus-visible { outline: 2px solid var(--ink); outline-offset: 2px }
.burger span {
  display: block;
  width: 18px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  position: relative;
  transition: transform .28s cubic-bezier(.22, .61, .36, 1), background .2s;
}
.burger span::before, .burger span::after {
  content: "";
  position: absolute;
  left: 0;
  width: 18px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: transform .28s cubic-bezier(.22, .61, .36, 1), top .28s cubic-bezier(.22, .61, .36, 1);
}
.burger span::before { top: -6px }
.burger span::after { top: 6px }
.burger[aria-expanded="true"] span { background: transparent }
.burger[aria-expanded="true"] span::before { top: 0; transform: rotate(45deg) }
.burger[aria-expanded="true"] span::after { top: 0; transform: rotate(-45deg) }

/* CTA внутри мобильного меню */
.nav-cta { display: none }

/* ============ Buttons ============ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  padding: 15px 24px;
  border-radius: 999px;
  border: 1.5px solid transparent;
  font: inherit;
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: -.01em;
  text-decoration: none;
  cursor: pointer;
  white-space: nowrap;
  transition: transform .18s ease, box-shadow .22s ease, background .22s ease, color .22s ease, border-color .22s;
}
.btn:active { transform: translateY(1px) }

.btn-grad {
  background: var(--grad);
  color: #fff;
  box-shadow: 0 10px 26px rgba(77, 124, 254, .35);
}
.btn-grad:hover { color: #fff; box-shadow: 0 14px 34px rgba(124, 92, 246, .42); transform: translateY(-1px) }

.btn-lime {
  background: var(--lime);
  color: #14240a;
  box-shadow: 0 10px 26px rgba(201, 240, 75, .3);
}
.btn-lime:hover { background: #d7fb60; color: #14240a; transform: translateY(-1px) }

.btn-dark {
  background: var(--ink);
  color: #fff;
  box-shadow: 0 8px 20px rgba(11, 18, 32, .18);
}
.btn-dark:hover { color: #fff; background: var(--ink-2); transform: translateY(-1px) }

.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: rgba(11, 18, 32, .16);
}
.btn-ghost:hover { background: rgba(11, 18, 32, .04); color: var(--ink); border-color: rgba(11, 18, 32, .3) }

.btn-glass {
  background: rgba(255, 255, 255, .08);
  color: #fff;
  border-color: rgba(255, 255, 255, .22);
  backdrop-filter: blur(8px);
}
.btn-glass:hover { background: rgba(255, 255, 255, .16); color: #fff; border-color: rgba(255, 255, 255, .4) }

.btn-sm { padding: 10px 18px; font-size: .9rem }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  font-weight: 700;
  font-size: .95rem;
  color: var(--ink);
  text-decoration: none;
}
.link-arrow svg { transition: transform .2s ease }
.link-arrow:hover svg { transform: translateX(3px) }
.link-arrow:hover { color: var(--brand) }

/* ============ Hero ============ */
.hero {
  position: relative;
  background: var(--hero);
  color: #e7ecf6;
  overflow: hidden;
  padding: 150px 0 0;
}
.hero::before {
  content: "";
  position: absolute;
  inset: -20% -10% auto;
  height: 90%;
  background:
    radial-gradient(46% 52% at 18% 12%, rgba(77, 124, 254, .34), transparent 70%),
    radial-gradient(40% 46% at 82% 6%, rgba(139, 92, 246, .30), transparent 70%),
    radial-gradient(36% 40% at 60% 78%, rgba(18, 183, 106, .10), transparent 70%);
  filter: blur(6px);
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, .045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, .045) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(75% 60% at 50% 0%, #000 20%, transparent 75%);
  -webkit-mask-image: radial-gradient(75% 60% at 50% 0%, #000 20%, transparent 75%);
  pointer-events: none;
}

.hero-inner { position: relative; z-index: 2 }

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 56px;
  align-items: center;
  padding: 0 0 76px;
}

.hero .eyebrow { color: #a9c2ff }
.hero .eyebrow::before { background: var(--lime); box-shadow: 0 0 0 4px rgba(201, 240, 75, .16) }

.hero h1 { color: #fff; margin-bottom: 22px }
.hero h1 em {
  font-style: normal;
  background: linear-gradient(100deg, #a9c2ff 5%, #d9c5ff 55%, var(--lime) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.hero-sub {
  font-size: 1.13rem;
  line-height: 1.62;
  color: #a8b3c9;
  max-width: 34em;
  margin-bottom: 30px;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 30px }

.hero-points {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 22px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.hero-points li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .92rem;
  font-weight: 600;
  color: #94a1ba;
}
.hero-points svg { color: var(--lime); flex: none }

/* Карточки-мокап */
.hero-visual { position: relative; min-height: 420px }

.bankcard {
  position: absolute;
  width: 320px;
  height: 196px;
  border-radius: 22px;
  padding: 22px;
  color: #fff;
  box-shadow: 0 30px 60px rgba(0, 0, 0, .45);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  overflow: hidden;
}
.bankcard::after {
  content: "";
  position: absolute;
  width: 220px;
  height: 220px;
  border-radius: 50%;
  right: -70px;
  bottom: -90px;
  background: radial-gradient(circle, rgba(255, 255, 255, .22), transparent 65%);
}
.bc-1 {
  top: 6px;
  left: 0;
  transform: rotate(-7deg);
  background: linear-gradient(140deg, #1d2a45, #0e1626 60%, #0a1120);
  border: 1px solid rgba(255, 255, 255, .1);
}
.bc-2 {
  top: 126px;
  left: 88px;
  transform: rotate(4deg);
  background: var(--grad);
  z-index: 2;
}
.bc-top { display: flex; justify-content: space-between; align-items: center }
.bc-logo { font-weight: 800; letter-spacing: -.02em; font-size: 1rem }
.bc-chip {
  width: 38px;
  height: 28px;
  border-radius: 6px;
  background: linear-gradient(150deg, #f6e3a1, #d9b761);
  opacity: .9;
}
.bc-num {
  font-size: 1.12rem;
  letter-spacing: .16em;
  font-weight: 700;
  opacity: .92;
  font-variant-numeric: tabular-nums;
}
.bc-bottom { display: flex; justify-content: space-between; align-items: flex-end; font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; opacity: .8 }
.bc-bottom b { display: block; font-size: .86rem; letter-spacing: .02em; text-transform: none; opacity: 1 }

.glass-stat {
  position: absolute;
  z-index: 3;
  background: rgba(16, 25, 43, .72);
  border: 1px solid rgba(255, 255, 255, .14);
  backdrop-filter: blur(14px);
  border-radius: 16px;
  padding: 14px 18px;
  box-shadow: 0 18px 40px rgba(0, 0, 0, .35);
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.glass-stat b { font-size: 1.35rem; font-weight: 800; letter-spacing: -.02em; color: #fff }
.glass-stat span { font-size: .74rem; color: #9aa6bd; font-weight: 600; letter-spacing: .04em; text-transform: uppercase }
.gs-1 { top: -6px; right: 6px; }
.gs-2 { bottom: 8px; left: -14px; }

/* Бегущая строка */
.ticker {
  position: relative;
  z-index: 2;
  border-top: 1px solid rgba(255, 255, 255, .08);
  overflow: hidden;
  padding: 18px 0;
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.ticker-track {
  display: flex;
  gap: 48px;
  width: max-content;
  animation: ticker 42s linear infinite;
}
.ticker:hover .ticker-track { animation-play-state: paused }
.ticker-item {
  display: flex;
  align-items: center;
  gap: .55rem;
  font-size: .84rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: #7c8aa5;
  white-space: nowrap;
}
.ticker-item::before {
  content: "";
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--lime);
}
@keyframes ticker {
  from { transform: translateX(0) }
  to { transform: translateX(-50%) }
}

/* ============ Категории (bento) ============ */
.bento {
  display: grid;
  grid-template-columns: repeat(12, 1fr);
  gap: 18px;
}
.tile {
  position: relative;
  grid-column: span 4;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow-xs);
  overflow: hidden;
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s;
  text-decoration: none;
  color: var(--ink);
  display: flex;
  flex-direction: column;
  min-height: 240px;
}
.tile:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: #cfd6e6; color: var(--ink) }
.tile .ico {
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--grad-soft);
  color: var(--brand);
  margin-bottom: auto;
}
.tile h3 { margin: 20px 0 6px; font-size: 1.15rem }
.tile p { margin: 0; font-size: .93rem; color: var(--muted); line-height: 1.5 }
.tile .tile-stat {
  position: absolute;
  top: 22px;
  right: 22px;
  font-size: .78rem;
  font-weight: 800;
  color: var(--green);
  background: rgba(18, 183, 106, .1);
  padding: 5px 10px;
  border-radius: 999px;
}

/* ============ Офферы ============ */
.offers {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.offer {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 16px;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow-xs);
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s;
  overflow: hidden;
}
.offer:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: #cfd6e6 }
.offer.featured {
  background:
    radial-gradient(120% 90% at 100% 0%, rgba(77, 124, 254, .10), transparent 60%),
    #fff;
  border-color: rgba(77, 124, 254, .35);
  box-shadow: 0 2px 4px rgba(77, 124, 254, .06), 0 20px 50px rgba(77, 124, 254, .16);
}
.offer-top { display: flex; align-items: center; justify-content: space-between; gap: 12px }
.bankmark {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .82rem;
  font-weight: 700;
  color: var(--muted);
}
.monogram {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 11px;
  background: var(--ink);
  color: #fff;
  font-size: .82rem;
  font-weight: 800;
  letter-spacing: -.02em;
  flex: none;
}
.monogram.blue { background: linear-gradient(135deg, #4d7cfe, #8b5cf6) }
.monogram.green { background: linear-gradient(135deg, #12b76a, #0e9358) }
.monogram.violet { background: linear-gradient(135deg, #8b5cf6, #6d3ef0) }

.chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: .74rem;
  font-weight: 800;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 6px 11px;
  border-radius: 999px;
  background: rgba(11, 18, 32, .06);
  color: var(--ink-2);
  white-space: nowrap;
}
.chip.hot { background: var(--ink); color: var(--lime) }
.chip.green { background: rgba(18, 183, 106, .12); color: #0b8f55 }

.offer h3 { font-size: 1.13rem; margin: 0; letter-spacing: -.02em }

.offer-rate {
  display: flex;
  align-items: baseline;
  gap: 8px;
  font-size: 2.35rem;
  font-weight: 800;
  letter-spacing: -.045em;
  line-height: 1;
}
.offer-rate small { font-size: .8rem; font-weight: 700; color: var(--muted); letter-spacing: 0 }
.offer-rate .up { color: var(--green); font-size: 1.1rem; font-weight: 800 }
.offer-rate .pre {
  font-size: 1.05rem;
  font-weight: 700;
  letter-spacing: 0;
  color: var(--muted);
  margin-right: -2px;
}
.offer-rate.sm { font-size: 1.85rem; letter-spacing: -.035em }

.offer-params {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 9px;
  font-size: .9rem;
  color: var(--muted);
}
.offer-params li { display: flex; gap: 9px; align-items: flex-start; line-height: 1.45 }
.offer-params li::before {
  content: "";
  flex: none;
  width: 17px;
  height: 17px;
  margin-top: 2px;
  border-radius: 50%;
  background: rgba(18, 183, 106, .12) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2312b76a' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 13l4 4 10-11'/%3E%3C/svg%3E") center/10px no-repeat;
}

.offer-foot { margin-top: auto; display: flex; align-items: center; justify-content: space-between; gap: 10px; padding-top: 6px }
.offer-note { font-size: .74rem; color: var(--muted-2); line-height: 1.35; max-width: 12em }

/* «Показать все» для витрины на телефоне */
.offers-more {
  display: none;
  width: 100%;
  margin-top: 16px;
  padding: 15px 22px;
  border: 1.5px solid var(--line);
  border-radius: 999px;
  background: #fff;
  color: var(--ink);
  font: inherit;
  font-size: .97rem;
  font-weight: 700;
  letter-spacing: -.01em;
  cursor: pointer;
  box-shadow: var(--shadow-xs);
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s;
}
.offers-more:active { transform: scale(.985) }
.offers-more:hover { border-color: #cfd6e6; box-shadow: var(--shadow-sm) }

/* ============ Шаги ============ */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  counter-reset: step;
}
.step {
  counter-increment: step;
  position: relative;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow-xs);
}
.step::before {
  content: "0" counter(step);
  display: block;
  font-size: .82rem;
  font-weight: 800;
  letter-spacing: .1em;
  color: var(--brand);
  margin-bottom: 26px;
}
.step h3 { font-size: 1.08rem; margin-bottom: 8px }
.step p { margin: 0; font-size: .92rem; color: var(--muted); line-height: 1.55 }
.step::after {
  content: "";
  position: absolute;
  top: 38px;
  right: -17px;
  width: 18px;
  height: 1px;
  background: var(--line);
}
.step:last-child::after { display: none }

/* ============ Преимущества ============ */
.features { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px }
.feature {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow-xs);
}
.feature .ico {
  display: grid;
  place-items: center;
  width: 46px;
  height: 46px;
  border-radius: 13px;
  margin-bottom: 20px;
  background: rgba(18, 183, 106, .1);
  color: #0b8f55;
}
.feature:nth-child(2) .ico { background: rgba(77, 124, 254, .1); color: var(--brand) }
.feature:nth-child(3) .ico { background: rgba(139, 92, 246, .1); color: var(--violet) }
.feature h3 { font-size: 1.08rem; margin-bottom: 8px }
.feature p { margin: 0; font-size: .93rem; color: var(--muted); line-height: 1.55 }

/* ============ Светлая полоса-статистика ============ */
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}
.stat {
  background: var(--card);
  padding: 28px;
}
.stat b { display: block; font-size: 2rem; font-weight: 800; letter-spacing: -.04em; line-height: 1.1; margin-bottom: 6px }
.stat span { font-size: .88rem; color: var(--muted); font-weight: 600 }

/* ============ FAQ ============ */
.faq {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}
.faq details { border-bottom: 1px solid var(--line-soft) }
.faq details:last-child { border-bottom: 0 }
.faq summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 22px 26px;
  font-weight: 700;
  font-size: 1.02rem;
  letter-spacing: -.01em;
}
.faq summary::-webkit-details-marker { display: none }
.faq summary::after {
  content: "";
  flex: none;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  border: 1px solid var(--line);
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230b1220' stroke-width='2.2' stroke-linecap='round'%3E%3Cpath d='M12 5v14M5 12h14'/%3E%3C/svg%3E") center/13px no-repeat;
  transition: transform .25s ease, background-color .2s;
}
.faq details[open] summary::after { transform: rotate(45deg); background-color: var(--lime) }
.faq details p { margin: 0; padding: 0 26px 24px; color: var(--muted); max-width: 64em }

/* ============ CTA ============ */
.cta {
  position: relative;
  overflow: hidden;
  border-radius: var(--radius-lg);
  background:
    radial-gradient(70% 120% at 85% 10%, rgba(139, 92, 246, .35), transparent 60%),
    radial-gradient(60% 100% at 10% 90%, rgba(77, 124, 254, .32), transparent 60%),
    var(--ink);
  color: #dfe6f3;
  padding: 64px;
  display: grid;
  grid-template-columns: 1.4fr .6fr;
  align-items: center;
  gap: 40px;
  box-shadow: var(--shadow-lg);
}
.cta::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, .05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, .05) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(60% 90% at 30% 50%, #000, transparent 80%);
  -webkit-mask-image: radial-gradient(60% 90% at 30% 50%, #000, transparent 80%);
  pointer-events: none;
}
.cta > * { position: relative; z-index: 1 }
.cta h2 { color: #fff; margin-bottom: 14px }
.cta p { color: #a8b3c9; margin: 0; max-width: 44em }
.cta-actions { display: flex; flex-direction: column; align-items: flex-start; gap: 12px; justify-self: end }
.cta-actions small { font-size: .78rem; color: #7c8aa5 }

/* ============ Внутренние страницы ============ */
.page-hero {
  position: relative;
  background: var(--hero);
  color: #e7ecf6;
  padding: 150px 0 64px;
  overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute;
  inset: -40% -10% auto;
  height: 120%;
  background:
    radial-gradient(40% 55% at 20% 10%, rgba(77, 124, 254, .30), transparent 70%),
    radial-gradient(36% 48% at 85% 5%, rgba(139, 92, 246, .26), transparent 70%);
  pointer-events: none;
}
.page-hero .container { position: relative; z-index: 1 }
.page-hero h1 { color: #fff; max-width: 20em }
.page-hero .lead { color: #a8b3c9; font-size: 1.12rem; max-width: 40em; margin: 0 }

.breadcrumbs {
  display: flex;
  gap: 8px;
  align-items: center;
  font-size: .82rem;
  color: #6f7c95;
  margin-bottom: 20px;
  font-weight: 600;
}
.breadcrumbs a { color: #9aa8c2; text-decoration: none }
.breadcrumbs a:hover { color: #fff }

/* ============ Prose (юридические страницы) ============ */
.prose { max-width: 820px; padding: 72px 0 }
.prose h2 { font-size: 1.55rem; margin: 2.4em 0 .7em; letter-spacing: -.025em }
.prose h2:first-child { margin-top: 0 }
.prose p, .prose li { color: #3f4a5e; line-height: 1.68 }
.prose ul { padding-left: 1.2rem; margin: 0 0 1.2rem }
.prose li { margin: .45rem 0 }
.prose strong { color: var(--ink) }
.prose .btn { margin-top: 1.5rem }

/* ============ Контакты ============ */
.contacts { display: grid; grid-template-columns: 1fr 1fr; gap: 18px }
.contact-card {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  text-decoration: none;
  color: var(--ink);
  box-shadow: var(--shadow-xs);
  transition: transform .22s, box-shadow .22s, border-color .22s;
}
.contact-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: #cfd6e6; color: var(--ink) }
.contact-card .ico {
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--grad-soft);
  color: var(--brand);
  flex: none;
}
.contact-card b { display: block; font-size: 1.05rem; margin-bottom: 4px; letter-spacing: -.02em }
.contact-card span { font-size: .9rem; color: var(--muted); line-height: 1.5 }
.contacts-help { margin-top: 32px }

/* ============ Принципы ============ */
.principles { display: grid; gap: 14px; list-style: none; margin: 0; padding: 0 }
.principle {
  display: flex;
  gap: 18px;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px 26px;
  box-shadow: var(--shadow-xs);
}
.principle .ico {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border-radius: 13px;
  background: var(--grad-soft);
  color: var(--brand);
  flex: none;
}
.principle b { display: block; margin-bottom: 4px; letter-spacing: -.01em }
.principle p { margin: 0; color: var(--muted); font-size: .94rem; line-height: 1.55 }

/* ============ Предупреждение ============ */
.notice {
  display: flex;
  gap: 14px;
  background: #fff8e8;
  border: 1px solid #f5e2b8;
  border-radius: var(--radius-sm);
  padding: 18px 20px;
  font-size: .9rem;
  color: #6b5518;
  line-height: 1.5;
}
.notice svg { flex: none; color: #d99a24; margin-top: 1px }
.notice a { color: #8a6a12 }

/* ============ Footer ============ */
footer {
  margin-top: 96px;
  background: var(--hero);
  color: #95a1b8;
  border-top: 1px solid rgba(255, 255, 255, .06);
}
.foot {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 44px;
  padding: 64px 0 48px;
}
.foot .brand { color: #fff; margin-bottom: 16px }
.foot-note { font-size: .86rem; line-height: 1.6; color: #6f7c95; margin: 0 0 12px; max-width: 26em }
.foot-note a { color: #9aa8c2 }
.foot h4 {
  color: #fff;
  font-size: .8rem;
  font-weight: 800;
  letter-spacing: .1em;
  text-transform: uppercase;
  margin: 0 0 18px;
}
.foot ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px }
.foot ul a { color: #95a1b8; text-decoration: none; font-size: .93rem }
.foot ul a:hover { color: var(--lime) }
.foot-legal {
  border-top: 1px solid rgba(255, 255, 255, .07);
  padding: 22px 0 28px;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 10px 24px;
  font-size: .82rem;
  color: #5f6c85;
}
.foot-legal a { color: #8b97ae }

/* ============ Анимации появления ============ */
.js [data-reveal] {
  opacity: 0;
  transform: translateY(12px);
  transition: opacity .3s ease-out, transform .3s cubic-bezier(.22, .61, .36, 1);
}
.js [data-reveal].is-in { opacity: 1; transform: none }

/* ============ Адаптив ============ */
@media (max-width: 1060px) {
  .offers { grid-template-columns: repeat(2, 1fr) }
  .steps { grid-template-columns: repeat(2, 1fr) }
  .step::after { display: none }
  .tile { grid-column: span 6 }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; padding-top: 36px }
  .hero-visual { min-height: 380px; max-width: 460px }
  .cta { grid-template-columns: 1fr; padding: 48px }
  .cta-actions { justify-self: start; flex-direction: row; flex-wrap: wrap; align-items: center }
}

@media (max-width: 1024px) {
  .nav-links {
    position: absolute;
    top: calc(100% + 8px);
    left: 24px;
    right: 24px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 20px;
    box-shadow: var(--shadow-lg);
    padding: 10px;
    gap: 2px;
  }
  .nav-links.open { display: flex }
  .nav-links a { border-radius: 12px; padding: 12px 14px; font-size: 1rem }
  .nav-links a.nav-cta {
    display: flex;
    justify-content: center;
    margin-top: 8px;
    padding: 15px 20px;
    border-radius: 14px;
    background: var(--grad);
    color: #fff;
    font-weight: 700;
    box-shadow: 0 8px 20px rgba(77, 124, 254, .28);
  }
  .nav-links a.nav-cta:hover { background: var(--grad); color: #fff; opacity: .95 }
  .nav-links a.nav-cta[aria-current="page"] { background: var(--grad); color: #fff }
  .burger { display: grid }
  .nav { position: relative }
}

@media (max-width: 860px) {
  .foot { grid-template-columns: 1fr 1fr; gap: 36px }
  .features, .stats { grid-template-columns: 1fr 1fr }
  .contacts { grid-template-columns: 1fr }
  .section { padding: 72px 0 }
  .hero { padding-top: 120px }
  .page-hero { padding: 128px 0 56px }
}

@media (max-width: 620px) {
  body { font-size: 16px }
  .container { padding: 0 18px }
  .offers, .steps, .features, .stats, .bento { grid-template-columns: 1fr }
  .tile { grid-column: auto }
  .offers:not(.is-open) .offer:nth-child(n + 4) { display: none }
  .offers-more { display: block }
  .offers.is-open + .offers-more { display: none }
  .stats { gap: 1px }
  .hero-grid { padding-bottom: 56px }
  .hero-visual { min-height: 330px }
  .bankcard { width: 272px; height: 168px; padding: 18px }
  .bc-2 { left: 60px; top: 108px }
  .glass-stat { padding: 11px 15px }
  .gs-2 { left: 0 }
  .cta { padding: 36px 24px; border-radius: var(--radius) }
  .cta-actions { flex-direction: column; align-items: flex-start }
  .foot { grid-template-columns: 1fr; gap: 32px; padding: 48px 0 36px }
  .faq summary { padding: 18px 20px; font-size: .97rem }
  .faq details p { padding: 0 20px 20px }
  .nav-actions .btn { display: none }
  .section-head { margin-bottom: 32px }
  h1 { font-size: clamp(2rem, 9vw, 2.8rem) }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto }
  *, *::before, *::after { animation-duration: .001s !important; transition-duration: .001s !important }
  .js [data-reveal], [data-reveal] { opacity: 1; transform: none }
  .ticker-track { animation: none }
}

/* ============ Детали категорий и утилиты ============ */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; align-items: start }
.panel {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow-xs);
}
.panel h3 { font-size: 1.12rem; margin-bottom: 16px; letter-spacing: -.02em }
.panel ul {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 12px;
  font-size: .93rem;
  color: var(--muted);
}
.panel li { display: flex; gap: 11px; line-height: 1.5 }
.panel li::before {
  content: "";
  flex: none;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--brand);
  margin-top: 9px;
}
.panel li strong { color: var(--ink); font-weight: 700 }
.panel-warn li::before { background: #f79009 }
.panel .link-arrow { margin-top: 20px }
.panel .btn { margin-top: 20px }

.category-block + .category-block { margin-top: 78px }
.category-block { scroll-margin-top: 110px }

.lead-page { font-size: 1.12rem; color: var(--muted); max-width: 44em; margin: 0 }
.section-head .lead-page { margin-top: 14px }

/* Дополнительные карточки-ссылки */
.mini-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px }
.mini {
  display: flex;
  flex-direction: column;
  gap: 8px;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px 26px;
  box-shadow: var(--shadow-xs);
  text-decoration: none;
  color: var(--ink);
  transition: transform .22s, box-shadow .22s, border-color .22s;
}
.mini:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: #cfd6e6; color: var(--ink) }
.mini b { font-size: 1rem; letter-spacing: -.01em }
.mini span { font-size: .9rem; color: var(--muted); line-height: 1.5 }

@media (max-width: 860px) {
  .split, .mini-grid { grid-template-columns: 1fr }
  .category-block + .category-block { margin-top: 56px }
}