/* ===== CSS Variables ===== */
:root {
  --primary: #0D47A1;
  --primary-light: #1565C0;
  --primary-dark: #0A3680;
  --accent: #FF6F00;
  --accent-light: #FF8F00;
  --accent-dark: #E65100;
  --text: #212121;
  --text-light: #616161;
  --text-white: #FFFFFF;
  --bg: #FFFFFF;
  --bg-light: #F5F7FA;
  --bg-dark: #0D1B2A;
  --border: #E0E0E0;
  --shadow: 0 2px 8px rgba(13,71,161,0.08);
  --shadow-hover: 0 8px 24px rgba(13,71,161,0.15);
  --radius: 12px;
  --radius-sm: 8px;
  --transition: 0.3s ease;
  --max-width: 1200px;
  --nav-height: 70px;
}

/* ===== Reset & Base ===== */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:'Nunito Sans',sans-serif;color:var(--text);background:var(--bg);line-height:1.7;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--primary);text-decoration:none;transition:color var(--transition)}
a:hover{color:var(--accent)}
ul,ol{list-style:none}
h1,h2,h3,h4,h5,h6{font-weight:700;line-height:1.3;color:var(--primary-dark)}
h1{font-size:clamp(1.8rem,4vw,2.6rem);margin-bottom:1rem}
h2{font-size:clamp(1.5rem,3vw,2rem);margin-bottom:0.8rem}
h3{font-size:clamp(1.2rem,2.5vw,1.5rem);margin-bottom:0.6rem}
p{margin-bottom:1rem}

/* ===== Container ===== */
.container{width:100%;max-width:var(--max-width);margin:0 auto;padding:0 20px}

/* ===== Navigation (B: Transparent → White on scroll) ===== */
.nav{position:fixed;top:0;left:0;width:100%;z-index:1000;padding:12px 0;transition:background var(--transition),box-shadow var(--transition);background:transparent}
.nav.scrolled{background:var(--bg);box-shadow:var(--shadow)}
.nav .container{display:flex;align-items:center;justify-content:space-between}
.nav-logo{font-size:1.3rem;font-weight:800;color:var(--text-white);transition:color var(--transition)}
.nav.scrolled .nav-logo{color:var(--primary)}
.nav-logo span{color:var(--accent)}
.nav-links{display:flex;gap:24px;align-items:center}
.nav-links a{font-size:0.95rem;font-weight:600;color:var(--text-white);transition:color var(--transition);position:relative}
.nav.scrolled .nav-links a{color:var(--text)}
.nav-links a:hover{color:var(--accent)}
.nav-links a::after{content:'';position:absolute;bottom:-4px;left:0;width:0;height:2px;background:var(--accent);transition:width var(--transition)}
.nav-links a:hover::after{width:100%}

/* Burger */
.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;z-index:1001;background:none;border:none;padding:4px}
.burger span{display:block;width:26px;height:3px;background:var(--text-white);border-radius:3px;transition:all var(--transition)}
.nav.scrolled .burger span{background:var(--primary)}
.burger.active span:nth-child(1){transform:rotate(45deg) translate(5px,6px)}
.burger.active span:nth-child(2){opacity:0}
.burger.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-6px)}

/* Mobile Nav */
@media(max-width:768px){
  .nav-links{position:fixed;top:0;right:-100%;width:280px;height:100vh;background:var(--bg);flex-direction:column;padding:80px 30px 30px;gap:20px;box-shadow:-4px 0 20px rgba(0,0,0,0.1);transition:right var(--transition)}
  .nav-links.active{right:0}
  .nav-links a{color:var(--text)!important;font-size:1.1rem}
  .burger{display:flex}
}

/* ===== Hero (A: Gradient + Calculator) ===== */
.hero{background:linear-gradient(135deg,var(--primary) 0%,var(--primary-dark) 60%,#051b38 100%);color:var(--text-white);padding:140px 0 80px;position:relative;overflow:hidden;min-height:600px;display:flex;align-items:center}
.hero::before{content:'';position:absolute;top:-50%;right:-20%;width:600px;height:600px;background:radial-gradient(circle,rgba(255,111,0,0.15) 0%,transparent 70%);border-radius:50%}
.hero::after{content:'';position:absolute;bottom:-30%;left:-10%;width:400px;height:400px;background:radial-gradient(circle,rgba(255,255,255,0.05) 0%,transparent 70%);border-radius:50%}
.hero .container{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;position:relative;z-index:1}
.hero-content h1{color:var(--text-white);font-size:clamp(2rem,4.5vw,3rem)}
.hero-content p{font-size:1.1rem;opacity:0.9;margin-bottom:1.5rem;max-width:500px}
.hero-stats{display:flex;gap:30px;margin-top:2rem}
.hero-stat{text-align:center}
.hero-stat-value{font-size:2rem;font-weight:800;color:var(--accent)}
.hero-stat-label{font-size:0.85rem;opacity:0.8}

/* Hero Calculator Widget */
.hero-calc{background:rgba(255,255,255,0.1);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,0.2);border-radius:var(--radius);padding:30px;max-width:440px}
.hero-calc h3{color:var(--text-white);margin-bottom:1.2rem;font-size:1.2rem}

@media(max-width:900px){
  .hero .container{grid-template-columns:1fr}
  .hero-calc{max-width:100%}
  .hero{padding:120px 0 60px;min-height:auto}
}

/* ===== Calculator Form ===== */
.calc-group{margin-bottom:16px}
.calc-group label{display:block;font-size:0.9rem;margin-bottom:6px;font-weight:600;opacity:0.9}
.calc-group input,.calc-group select{width:100%;padding:12px 16px;border:1px solid rgba(255,255,255,0.3);border-radius:var(--radius-sm);background:rgba(255,255,255,0.12);color:var(--text-white);font-size:1rem;font-family:inherit;transition:border var(--transition)}
.calc-group input::placeholder{color:rgba(255,255,255,0.5)}
.calc-group input:focus,.calc-group select:focus{outline:none;border-color:var(--accent)}
.calc-group select option{color:var(--text);background:var(--bg)}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}

/* Calculator on white bg (page version) */
.calc-white .calc-group label{color:var(--text);opacity:1}
.calc-white .calc-group input,.calc-white .calc-group select{background:var(--bg-light);border:1px solid var(--border);color:var(--text)}
.calc-white .calc-group input::placeholder{color:var(--text-light)}
.calc-white .calc-group input:focus,.calc-white .calc-group select:focus{border-color:var(--primary)}

.calc-result{margin-top:20px;padding:20px;background:rgba(255,255,255,0.1);border-radius:var(--radius-sm);text-align:center;display:none}
.calc-result.visible{display:block}
.calc-result-value{font-size:2rem;font-weight:800;color:var(--accent)}
.calc-result-label{font-size:0.9rem;opacity:0.85;margin-top:4px}

.calc-white .calc-result{background:var(--bg-light);border:2px solid var(--primary)}
.calc-white .calc-result-value{color:var(--primary)}
.calc-white .calc-result-label{color:var(--text-light)}

/* ===== Buttons (B: Pill 50px radius) ===== */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 32px;border-radius:50px;font-size:1rem;font-weight:700;font-family:inherit;cursor:pointer;border:none;transition:all var(--transition);text-decoration:none}
.btn-primary{background:var(--accent);color:var(--text-white)}
.btn-primary:hover{background:var(--accent-dark);color:var(--text-white);transform:translateY(-2px);box-shadow:0 8px 20px rgba(255,111,0,0.3)}
.btn-secondary{background:transparent;color:var(--text-white);border:2px solid var(--text-white)}
.btn-secondary:hover{background:var(--text-white);color:var(--primary)}
.btn-outline{background:transparent;color:var(--primary);border:2px solid var(--primary)}
.btn-outline:hover{background:var(--primary);color:var(--text-white)}
.btn-sm{padding:10px 24px;font-size:0.9rem}
.btn-full{width:100%}

/* CTA Button (partner links) */
.cta-button{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:16px 36px;border-radius:50px;font-size:1.05rem;font-weight:700;background:var(--accent);color:var(--text-white);transition:all var(--transition);text-decoration:none;border:none;cursor:pointer}
.cta-button:hover{background:var(--accent-dark);color:var(--text-white);transform:translateY(-2px);box-shadow:0 8px 24px rgba(255,111,0,0.35)}

/* ===== Sections (G: White + colored accents) ===== */
.section{padding:80px 0}
.section-light{background:var(--bg-light)}
.section-accent{background:linear-gradient(135deg,var(--primary) 0%,var(--primary-dark) 100%);color:var(--text-white)}
.section-accent h2,.section-accent h3{color:var(--text-white)}
.section-header{text-align:center;max-width:700px;margin:0 auto 50px}
.section-header p{color:var(--text-light);font-size:1.05rem}
.section-accent .section-header p{color:rgba(255,255,255,0.85)}
.section-tag{display:inline-block;padding:6px 16px;border-radius:50px;font-size:0.8rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;margin-bottom:12px;background:rgba(13,71,161,0.1);color:var(--primary)}
.section-accent .section-tag{background:rgba(255,255,255,0.15);color:var(--text-white)}

/* ===== Cards (C: Dotted border) ===== */
.cards-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:24px}
.card{background:var(--bg);border:2px dashed var(--border);border-radius:var(--radius);padding:30px;transition:all var(--transition);position:relative}
.card:hover{border-color:var(--primary);box-shadow:var(--shadow-hover);transform:translateY(-4px)}
.card-icon{width:56px;height:56px;border-radius:50%;background:rgba(13,71,161,0.1);display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-size:1.5rem}
.card h3{margin-bottom:8px}
.card p{color:var(--text-light);font-size:0.95rem}
.card-link{display:inline-flex;align-items:center;gap:6px;color:var(--accent);font-weight:700;margin-top:12px;font-size:0.95rem}
.card-link:hover{gap:10px}

/* ===== Comparison Table ===== */
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:2rem 0;border-radius:var(--radius);border:1px solid var(--border)}
table{width:100%;border-collapse:collapse;min-width:600px}
thead{background:var(--primary)}
thead th{padding:14px 18px;text-align:left;color:var(--text-white);font-weight:700;font-size:0.9rem;white-space:nowrap}
tbody td{padding:12px 18px;border-bottom:1px solid var(--border);font-size:0.95rem}
tbody tr:hover{background:rgba(13,71,161,0.03)}
tbody tr:nth-child(even){background:var(--bg-light)}
tbody tr:nth-child(even):hover{background:rgba(13,71,161,0.06)}
.table-badge{display:inline-block;padding:3px 10px;border-radius:50px;font-size:0.8rem;font-weight:700}
.badge-green{background:#E8F5E9;color:#2E7D32}
.badge-yellow{background:#FFF8E1;color:#F57F17}
.badge-red{background:#FFEBEE;color:#C62828}
.badge-blue{background:#E3F2FD;color:#0D47A1}

/* ===== FAQ Accordion (A) ===== */
.faq-list{max-width:800px;margin:0 auto}
.faq-item{border:1px solid var(--border);border-radius:var(--radius-sm);margin-bottom:12px;overflow:hidden;transition:box-shadow var(--transition)}
.faq-item:hover{box-shadow:var(--shadow)}
.faq-question{width:100%;display:flex;align-items:center;justify-content:space-between;padding:18px 24px;background:none;border:none;cursor:pointer;font-size:1rem;font-weight:700;color:var(--text);font-family:inherit;text-align:left;gap:16px}
.faq-question::after{content:'+';font-size:1.5rem;font-weight:300;color:var(--primary);transition:transform var(--transition);flex-shrink:0}
.faq-item.active .faq-question::after{transform:rotate(45deg)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height 0.4s ease;padding:0 24px}
.faq-answer-inner{padding:0 0 20px;color:var(--text-light);line-height:1.8}
.faq-answer-inner p{margin-bottom:0.8rem}
.faq-answer-inner p:last-child{margin-bottom:0}

/* ===== Steps / How-to ===== */
.steps{counter-reset:step}
.step{display:flex;gap:20px;margin-bottom:30px;position:relative}
.step::before{counter-increment:step;content:counter(step);width:48px;height:48px;border-radius:50%;background:var(--primary);color:var(--text-white);display:flex;align-items:center;justify-content:center;font-size:1.2rem;font-weight:800;flex-shrink:0}
.step-content h3{margin-bottom:6px}
.step-content p{color:var(--text-light)}

/* ===== Breadcrumbs ===== */
.breadcrumbs{padding:90px 0 0;font-size:0.85rem}
.breadcrumbs-list{display:flex;flex-wrap:wrap;gap:6px;align-items:center}
.breadcrumbs-list li{display:flex;align-items:center;gap:6px}
.breadcrumbs-list li+li::before{content:'›';color:var(--text-light)}
.breadcrumbs-list a{color:var(--text-light)}
.breadcrumbs-list a:hover{color:var(--primary)}
.breadcrumbs-list .current{color:var(--text);font-weight:600}

/* ===== Article / Content page ===== */
.article{padding:30px 0 80px}
.article-header{margin-bottom:40px}
.article-header h1{color:var(--primary-dark)}
.article-meta{display:flex;gap:20px;color:var(--text-light);font-size:0.9rem;margin-top:8px}
.article-content{max-width:820px}
.article-content h2{margin-top:2.5rem;padding-top:1.5rem;border-top:1px solid var(--border)}
.article-content h3{margin-top:1.8rem}
.article-content ul,.article-content ol{margin:1rem 0 1.5rem 1.5rem}
.article-content ul{list-style:disc}
.article-content ol{list-style:decimal}
.article-content li{margin-bottom:0.5rem;color:var(--text-light)}
.article-content strong{color:var(--text)}
.article-content blockquote{border-left:4px solid var(--accent);padding:16px 20px;margin:1.5rem 0;background:var(--bg-light);border-radius:0 var(--radius-sm) var(--radius-sm) 0}
.article-content blockquote p{margin-bottom:0;color:var(--text-light);font-style:italic}

/* Info box */
.info-box{padding:20px 24px;border-radius:var(--radius-sm);margin:1.5rem 0;display:flex;gap:12px}
.info-box-icon{font-size:1.3rem;flex-shrink:0;line-height:1.7}
.info-box-blue{background:#E3F2FD;border-left:4px solid var(--primary)}
.info-box-orange{background:#FFF3E0;border-left:4px solid var(--accent)}
.info-box-green{background:#E8F5E9;border-left:4px solid #2E7D32}
.info-box-red{background:#FFEBEE;border-left:4px solid #C62828}

/* ===== CTA Banner ===== */
.cta-banner{text-align:center;padding:50px 30px;background:linear-gradient(135deg,var(--primary) 0%,var(--primary-dark) 100%);border-radius:var(--radius);color:var(--text-white)}
.cta-banner h2{color:var(--text-white);margin-bottom:12px}
.cta-banner p{opacity:0.9;margin-bottom:24px;max-width:600px;margin-left:auto;margin-right:auto}

/* ===== Sidebar ===== */
.layout-with-sidebar{display:grid;grid-template-columns:1fr 340px;gap:40px}
.sidebar{position:sticky;top:90px;align-self:start}
.sidebar-widget{background:var(--bg-light);border-radius:var(--radius);padding:24px;margin-bottom:20px;border:1px solid var(--border)}
.sidebar-widget h4{margin-bottom:12px;font-size:1rem}
.sidebar-nav a{display:block;padding:8px 0;color:var(--text-light);font-size:0.9rem;border-bottom:1px solid var(--border)}
.sidebar-nav a:last-child{border:none}
.sidebar-nav a:hover{color:var(--primary)}

@media(max-width:1024px){
  .layout-with-sidebar{grid-template-columns:1fr}
  .sidebar{position:static}
}

/* ===== Footer (A: 4 columns dark) ===== */
.footer{background:var(--bg-dark);color:rgba(255,255,255,0.7);padding:60px 0 0}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;margin-bottom:40px}
.footer-brand p{margin-top:12px;font-size:0.9rem;line-height:1.7}
.footer h4{color:var(--text-white);font-size:1rem;margin-bottom:16px}
.footer-links a{display:block;padding:4px 0;color:rgba(255,255,255,0.6);font-size:0.9rem;transition:color var(--transition)}
.footer-links a:hover{color:var(--accent)}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.1);padding:20px 0;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;font-size:0.85rem}
.footer-disclaimer{font-size:0.8rem;color:rgba(255,255,255,0.4);margin-top:12px;line-height:1.6;max-width:600px}

@media(max-width:768px){
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-bottom{flex-direction:column;text-align:center}
}
@media(max-width:480px){
  .footer-grid{grid-template-columns:1fr}
}

/* ===== Animations (B: Fade-in + scale) ===== */
.reveal{opacity:0;transform:translateY(30px) scale(0.96);transition:opacity 0.6s ease,transform 0.6s ease}
.reveal.visible{opacity:1;transform:translateY(0) scale(1)}

/* ===== Utilities ===== */
.text-center{text-align:center}
.text-accent{color:var(--accent)}
.text-primary{color:var(--primary)}
.mt-1{margin-top:0.5rem}.mt-2{margin-top:1rem}.mt-3{margin-top:1.5rem}.mt-4{margin-top:2rem}
.mb-1{margin-bottom:0.5rem}.mb-2{margin-bottom:1rem}.mb-3{margin-bottom:1.5rem}.mb-4{margin-bottom:2rem}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}

@media(max-width:768px){
  .grid-2,.grid-3{grid-template-columns:1fr}
  .section{padding:50px 0}
  .hero-stats{flex-direction:column;gap:16px}
  h1{font-size:1.7rem}
}
@media(max-width:480px){
  .container{padding:0 16px}
  .card{padding:20px}
}

/* ===== Page Hero (for inner pages) ===== */
.page-hero{background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:var(--text-white);padding:120px 0 50px}
.page-hero h1{color:var(--text-white)}
.page-hero p{opacity:0.9;font-size:1.1rem;max-width:600px}

/* ===== Price columns (B: Three columns) ===== */
.price-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:2rem}
.price-card{border:2px dashed var(--border);border-radius:var(--radius);padding:30px;text-align:center;transition:all var(--transition)}
.price-card:hover{border-color:var(--primary);box-shadow:var(--shadow-hover)}
.price-card.featured{border-color:var(--accent);border-style:solid;position:relative}
.price-card.featured::before{content:'Популярный';position:absolute;top:-14px;left:50%;transform:translateX(-50%);background:var(--accent);color:var(--text-white);padding:4px 16px;border-radius:50px;font-size:0.8rem;font-weight:700}
.price-value{font-size:2.2rem;font-weight:800;color:var(--primary);margin:16px 0 8px}
.price-value span{font-size:1rem;font-weight:400;color:var(--text-light)}
.price-features{text-align:left;margin:20px 0}
.price-features li{padding:8px 0;border-bottom:1px solid var(--border);font-size:0.9rem;color:var(--text-light);display:flex;align-items:center;gap:8px}
.price-features li::before{content:'✓';color:#2E7D32;font-weight:700}

@media(max-width:768px){
  .price-grid{grid-template-columns:1fr}
}

/* ===== Misc ===== */
.highlight-number{font-size:2.5rem;font-weight:800;color:var(--primary);line-height:1}
.tag-list{display:flex;flex-wrap:wrap;gap:8px;margin:1rem 0}
.tag{padding:6px 14px;border-radius:50px;font-size:0.8rem;font-weight:600;background:rgba(13,71,161,0.08);color:var(--primary)}

/* Bank logos placeholder */
.bank-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:16px}
.bank-card{background:var(--bg);border:2px dashed var(--border);border-radius:var(--radius-sm);padding:20px;text-align:center;transition:all var(--transition)}
.bank-card:hover{border-color:var(--primary);transform:translateY(-2px)}
.bank-card h4{font-size:0.95rem;margin-bottom:6px}
.bank-card p{font-size:0.85rem;color:var(--text-light);margin:0}