/* ============================================================
   ФИНМОСТ — кредитный брокер. Дизайн-система.
   ============================================================ */

:root{
  /* Поверхности */
  --paper:        #F7F4EE;   /* тёплый бумажный фон */
  --paper-2:      #FEFCF8;   /* карточки / светлее */
  --ink:          #111C28;   /* основной тёмно-синий, почти чёрный */
  --ink-2:        #0C141D;   /* глубже — герой / футер */
  --ink-soft:     #1B2A3A;   /* приподнятые тёмные блоки */

  /* Текст */
  --text:         #16212E;
  --text-muted:   #57636F;
  --text-on-dark: #EDE7DA;
  --text-on-dark-muted: #9DA9B4;

  /* Акцент — тёплая бронза */
  --accent:       #B5894E;
  --accent-2:     #C9A062;
  --accent-soft:  rgba(181,137,78,0.12);

  /* Линии */
  --line:         rgba(20,33,46,0.12);
  --line-2:       rgba(20,33,46,0.07);
  --line-dark:    rgba(237,231,218,0.14);

  /* Тени */
  --shadow-sm: 0 1px 2px rgba(17,28,40,0.05), 0 2px 8px rgba(17,28,40,0.04);
  --shadow-md: 0 4px 14px rgba(17,28,40,0.08), 0 12px 36px rgba(17,28,40,0.07);
  --shadow-lg: 0 18px 60px rgba(12,20,29,0.18);

  /* Радиусы */
  --r-sm: 10px;
  --r-md: 16px;
  --r-lg: 24px;

  /* Типографика */
  --font-ui: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-display: 'Prata', Georgia, 'Times New Roman', serif;

  /* Раскладка */
  --maxw: 1200px;
  --gut: clamp(20px, 5vw, 64px);
}

*{ box-sizing:border-box; }
html{ scroll-behavior:smooth; -webkit-text-size-adjust:100%; }
body{
  margin:0;
  font-family:var(--font-ui);
  background:var(--paper);
  color:var(--text);
  font-size:17px;
  line-height:1.6;
  font-weight:450;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img{ display:block; max-width:100%; }
a{ color:inherit; text-decoration:none; }
button{ font-family:inherit; cursor:pointer; }
::selection{ background:var(--accent); color:#fff; }

/* ---------- Утилиты ---------- */
.wrap{ max-width:var(--maxw); margin:0 auto; padding-inline:var(--gut); }
.section{ padding-block:clamp(64px,9vw,120px); }
.eyebrow{
  font-size:13px; font-weight:700; letter-spacing:.16em; text-transform:uppercase;
  color:var(--accent); display:inline-flex; align-items:center; gap:10px;
}
.eyebrow::before{ content:""; width:26px; height:1px; background:var(--accent); display:inline-block; }
.eyebrow.center::before{ display:none; }

h1,h2,h3,h4{ margin:0; line-height:1.08; font-weight:700; letter-spacing:-0.01em; }
.h-display{ font-family:var(--font-display); font-weight:600; letter-spacing:-0.005em; }
.sec-title{
  font-size:clamp(30px,4.6vw,52px); line-height:1.05; margin:18px 0 0;
  letter-spacing:-0.02em; max-width:18ch; text-wrap:balance;
}
.sec-lead{ font-size:clamp(17px,1.5vw,19px); color:var(--text-muted); margin:20px 0 0; max-width:56ch; }
.sec-head{ margin-bottom:clamp(40px,5vw,60px); }
.sec-head.center{ text-align:center; }
.sec-head.center .sec-title, .sec-head.center .sec-lead{ margin-inline:auto; }
.sec-head.center .eyebrow{ justify-content:center; }

.accent-it{ font-family:var(--font-display); font-style:italic; font-weight:500; color:var(--accent); }

/* ---------- Кнопки ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  padding:15px 26px; border-radius:999px; font-weight:700; font-size:15px;
  border:1px solid transparent; transition:.22s ease; white-space:nowrap;
  letter-spacing:.005em;
}
.btn svg{ width:18px; height:18px; }
.btn-primary{ background:var(--ink); color:#fff; }
.btn-primary:hover{ background:var(--accent); transform:translateY(-2px); box-shadow:0 12px 28px rgba(181,137,78,.32); }
.btn-accent{ background:var(--accent); color:#fff; }
.btn-accent:hover{ background:var(--ink); transform:translateY(-2px); box-shadow:var(--shadow-md); }
.btn-ghost{ background:transparent; color:var(--ink); border-color:var(--line); }
.btn-ghost:hover{ border-color:var(--ink); background:var(--ink); color:#fff; }
.btn-ghost-light{ background:transparent; color:var(--text-on-dark); border-color:var(--line-dark); }
.btn-ghost-light:hover{ background:rgba(255,255,255,.07); border-color:rgba(255,255,255,.4); }
.btn-lg{ padding:18px 34px; font-size:16px; }
.btn-block{ width:100%; }

/* ============================================================
   HEADER
   ============================================================ */
.site-header{
  position:sticky; top:0; z-index:80;
  background:rgba(247,244,238,0.82); backdrop-filter:blur(14px);
  border-bottom:1px solid transparent; transition:.25s ease;
}
.site-header.scrolled{ border-bottom-color:var(--line); box-shadow:var(--shadow-sm); }
.nav{ display:flex; align-items:center; gap:32px; height:74px; }
.brand{ display:flex; align-items:center; gap:11px; font-weight:800; font-size:20px; letter-spacing:.02em; color:var(--ink); }
.brand .mark{ flex:none; }
.brand small{ display:block; font-size:10px; font-weight:600; letter-spacing:.22em; color:var(--text-muted); text-transform:uppercase; margin-top:1px; }
.brand .brand-txt{ display:flex; flex-direction:column; line-height:1; }
.nav-links{ display:flex; gap:28px; margin-left:14px; }
.nav-links a{ font-size:15px; font-weight:600; color:var(--text); position:relative; padding:4px 0; white-space:nowrap; }
.nav-links a:hover{ color:var(--accent); }
.nav-spacer{ flex:1; }
.nav-phone{ font-weight:800; font-size:16px; color:var(--ink); white-space:nowrap; }
.nav-phone small{ display:block; font-size:11px; font-weight:600; color:var(--text-muted); letter-spacing:.04em; }
.nav-cta{ }
.burger{ display:none; width:44px; height:44px; border:1px solid var(--line); border-radius:12px; background:transparent; align-items:center; justify-content:center; }
.burger span{ display:block; width:20px; height:2px; background:var(--ink); position:relative; transition:.2s; }
.burger span::before,.burger span::after{ content:""; position:absolute; left:0; width:20px; height:2px; background:var(--ink); transition:.2s; }
.burger span::before{ top:-6px; } .burger span::after{ top:6px; }

/* ============================================================
   HERO
   ============================================================ */
.hero{ background:var(--ink-2); color:var(--text-on-dark); position:relative; overflow:hidden; }
.hero::before{
  content:""; position:absolute; inset:0;
  background:
    radial-gradient(120% 90% at 85% -10%, rgba(181,137,78,0.20), transparent 55%),
    radial-gradient(80% 70% at 0% 100%, rgba(80,110,140,0.18), transparent 60%);
  pointer-events:none;
}
.hero-grid{ position:relative; display:grid; grid-template-columns:1.05fr 0.95fr; gap:clamp(32px,5vw,72px); align-items:center; padding-block:clamp(56px,7vw,96px); }
.hero-badge{
  display:inline-flex; align-items:center; gap:10px; padding:8px 16px 8px 12px; border-radius:999px;
  background:rgba(255,255,255,0.06); border:1px solid var(--line-dark); font-size:13px; font-weight:600; color:var(--text-on-dark);
}
.hero-badge .dot{ width:8px; height:8px; border-radius:50%; background:#5fcf8e; box-shadow:0 0 0 4px rgba(95,207,142,.18); }
.hero h1{
  font-size:clamp(38px,5.6vw,68px); line-height:1.03; margin:24px 0 0; letter-spacing:-0.025em; color:#fff;
}
.hero h1 .accent-it{ color:var(--accent-2); }
.hero-lead{ font-size:clamp(17px,1.6vw,20px); color:var(--text-on-dark-muted); margin:24px 0 0; max-width:48ch; }
.hero-cta{ display:flex; flex-wrap:wrap; gap:14px; margin-top:34px; }
.hero-trust{ display:grid; grid-template-columns:repeat(4,1fr); gap:28px 32px; margin-top:46px; padding-top:32px; border-top:1px solid var(--line-dark); }
.hero-stat .num{ font-family:var(--font-display); font-size:clamp(28px,3.4vw,40px); font-weight:600; color:#fff; line-height:1; }
.hero-stat .num .accent-it{ color:var(--accent-2); }
.hero-stat .lbl{ font-size:13.5px; color:var(--text-on-dark-muted); margin-top:8px; max-width:18ch; }

.hero-visual{ position:relative; }
.hero-photo{
  position:relative; border-radius:var(--r-lg); overflow:hidden; aspect-ratio:4/4.3;
  box-shadow:var(--shadow-lg); border:1px solid var(--line-dark);
}
.hero-photo img{ width:100%; height:100%; object-fit:cover; object-position:center 28%; }
.hero-photo::after{ content:""; position:absolute; inset:0; background:linear-gradient(180deg, transparent 55%, rgba(12,20,29,.55)); }
.hero-card{
  position:absolute; left:-26px; bottom:28px; z-index:2;
  background:var(--paper-2); color:var(--text); padding:20px 22px; border-radius:var(--r-md);
  box-shadow:var(--shadow-lg); width:min(290px,74%); border:1px solid var(--line-2);
  display:flex; flex-direction:column; gap:12px; text-align:left;
}
.hero-card .hc-top{ display:flex; align-items:center; gap:9px; }
.hero-card .hc-check{
  width:22px; height:22px; border-radius:50%; background:#5fcf8e; color:#fff;
  display:flex; align-items:center; justify-content:center; flex:none;
}
.hero-card .hc-check svg{ width:13px; height:13px; }
.hero-card .hc-label{
  font-family:var(--font-ui); font-size:11px; font-weight:700; letter-spacing:.12em;
  text-transform:uppercase; color:var(--text-muted); white-space:nowrap;
}
.hero-card .hc-amount{ font-family:var(--font-display); font-size:32px; font-weight:600; line-height:1; letter-spacing:-.01em; color:var(--ink); }
.hero-card .hc-sub{ font-family:var(--font-ui); font-size:13.5px; line-height:1.45; color:var(--text-muted); }

/* ---------- Маркер бренда (мост) ---------- */
.brand-mark{ width:34px; height:34px; }

/* ============================================================
   ЛОГО-СТРИП / маркеры доверия
   ============================================================ */
.trust-strip{ background:var(--ink); color:var(--text-on-dark-muted); border-block:1px solid var(--line-dark); }
.trust-strip .wrap{ display:flex; flex-wrap:wrap; gap:18px 40px; justify-content:space-between; align-items:center; padding-block:22px; }
.trust-item{ display:flex; align-items:center; gap:12px; font-size:14.5px; font-weight:600; color:var(--text-on-dark); }
.trust-item svg{ width:20px; height:20px; color:var(--accent-2); flex:none; }

/* ============================================================
   УСЛУГИ
   ============================================================ */
.services-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:20px; }
.svc-card{
  background:var(--paper-2); border:1px solid var(--line-2); border-radius:var(--r-md);
  padding:30px 28px 26px; display:flex; flex-direction:column; min-height:230px;
  transition:.24s ease; position:relative; overflow:hidden;
}
.svc-card:hover{ transform:translateY(-4px); box-shadow:var(--shadow-md); border-color:transparent; }
.svc-card .ic{
  width:52px; height:52px; border-radius:13px; background:var(--accent-soft); color:var(--accent);
  display:flex; align-items:center; justify-content:center; margin-bottom:20px; transition:.24s;
}
.svc-card:hover .ic{ background:var(--ink); color:var(--accent-2); }
.svc-card .ic svg{ width:26px; height:26px; }
.svc-card h3{ font-size:21px; letter-spacing:-.01em; }
.svc-card p{ font-size:15px; color:var(--text-muted); margin:10px 0 0; line-height:1.55; }
.svc-card .more{ margin-top:auto; padding-top:18px; font-size:14px; font-weight:700; color:var(--accent); display:inline-flex; align-items:center; gap:8px; }
.svc-card .more svg{ width:15px; height:15px; transition:.2s; }
.svc-card:hover .more svg{ transform:translateX(4px); }

/* Выделенная карточка */
.svc-card.feature{ background:var(--ink); color:#fff; }
.svc-card.feature h3{ color:#fff; }
.svc-card.feature p{ color:var(--text-on-dark-muted); }
.svc-card.feature .ic{ background:rgba(255,255,255,.08); color:var(--accent-2); }
.svc-card.feature:hover .ic{ background:var(--accent); color:#fff; }
.svc-card.feature .more{ color:var(--accent-2); }

/* ============================================================
   ПРЕИМУЩЕСТВА (split)
   ============================================================ */
.why{ background:var(--ink-2); color:var(--text-on-dark); }
.why-grid{ display:grid; grid-template-columns:0.9fr 1.1fr; gap:clamp(36px,5vw,72px); align-items:center; }
.why-photo{ border-radius:var(--r-lg); overflow:hidden; aspect-ratio:5/6; box-shadow:var(--shadow-lg); border:1px solid var(--line-dark); position:relative; }
.why-photo img{ width:100%; height:100%; object-fit:cover; object-position:center 30%; }
.why h2{ color:#fff; }
.why .sec-lead{ color:var(--text-on-dark-muted); }
.why-list{ display:grid; grid-template-columns:1fr 1fr; gap:24px 32px; margin-top:38px; }
.why-item h4{ font-size:19px; color:#fff; margin:10px 0 8px; display:flex; align-items:center; gap:10px; }
.why-item h4 svg{ width:20px; height:20px; color:var(--accent-2); flex:none; }
.why-item p{ font-size:14.5px; color:var(--text-on-dark-muted); margin:0; line-height:1.55; }

/* ============================================================
   ЭТАПЫ
   ============================================================ */
.steps-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:8px; counter-reset:step; }
.step{ padding:30px 26px; border-radius:var(--r-md); position:relative; background:var(--paper-2); border:1px solid var(--line-2); transition:.22s; }
.step:hover{ box-shadow:var(--shadow-md); transform:translateY(-3px); }
.step .step-n{
  font-family:var(--font-display); font-size:46px; font-weight:600; color:var(--accent);
  line-height:1; opacity:.9;
}
.step h4{ font-size:19px; margin:16px 0 10px; }
.step p{ font-size:14.5px; color:var(--text-muted); margin:0; line-height:1.55; }
.step .step-dot{ position:absolute; top:38px; right:26px; width:8px; height:8px; border-radius:50%; background:var(--line); }

/* ============================================================
   КАЛЬКУЛЯТОР
   ============================================================ */
.calc{ background:var(--ink-2); color:var(--text-on-dark); }
.calc-card{
  display:grid; grid-template-columns:1.25fr 0.75fr; gap:0;
  background:var(--paper-2); border-radius:var(--r-lg); overflow:hidden; box-shadow:var(--shadow-lg); color:var(--text);
}
.calc-controls{ padding:clamp(30px,4vw,48px); }
.calc-controls .field{ margin-bottom:30px; }
.calc-controls .field:last-child{ margin-bottom:0; }
.field-top{ display:flex; justify-content:space-between; align-items:baseline; margin-bottom:14px; }
.field-top label{ font-size:15px; font-weight:700; color:var(--text); }
.field-top .val{ font-family:var(--font-display); font-size:24px; font-weight:600; color:var(--ink); letter-spacing:-.01em; }
.field-top .val span{ font-size:15px; color:var(--text-muted); font-family:var(--font-ui); font-weight:600; }
input[type=range]{
  -webkit-appearance:none; appearance:none; width:100%; height:6px; border-radius:999px;
  background:var(--line); outline:none; cursor:pointer;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none; appearance:none; width:26px; height:26px; border-radius:50%;
  background:var(--ink); border:4px solid var(--paper-2); box-shadow:var(--shadow-sm); transition:.15s;
}
input[type=range]::-webkit-slider-thumb:hover{ background:var(--accent); transform:scale(1.08); }
input[type=range]::-moz-range-thumb{ width:22px; height:22px; border-radius:50%; background:var(--ink); border:4px solid var(--paper-2); cursor:pointer; }
.range-ends{ display:flex; justify-content:space-between; font-size:12.5px; color:var(--text-muted); margin-top:10px; }
.seg{ display:flex; gap:8px; flex-wrap:wrap; }
.seg button{
  padding:10px 16px; border-radius:999px; border:1px solid var(--line); background:transparent;
  font-size:13.5px; font-weight:600; color:var(--text-muted); transition:.18s;
}
.seg button.active{ background:var(--ink); color:#fff; border-color:var(--ink); }
.seg button:hover:not(.active){ border-color:var(--ink); color:var(--ink); }

.calc-result{ background:var(--ink); color:#fff; padding:clamp(30px,4vw,48px); display:flex; flex-direction:column; }
.calc-result .cr-label{ font-size:14px; color:var(--text-on-dark-muted); font-weight:600; }
.calc-result .cr-amount{ font-family:var(--font-display); font-size:clamp(40px,5.5vw,58px); font-weight:600; line-height:1; margin:10px 0 4px; letter-spacing:-.02em; }
.calc-result .cr-amount span{ font-size:24px; }
.calc-result .cr-sub{ font-size:14px; color:var(--text-on-dark-muted); }
.calc-result hr{ border:none; border-top:1px solid var(--line-dark); margin:26px 0; }
.cr-row{ display:flex; justify-content:space-between; font-size:14.5px; padding:7px 0; color:var(--text-on-dark-muted); }
.cr-row b{ color:#fff; font-weight:700; }
.calc-result .btn{ margin-top:auto; }
.calc-note{ font-size:12.5px; color:var(--text-on-dark-muted); margin-top:16px; line-height:1.5; }

/* ============================================================
   БАНКИ-ПАРТНЁРЫ
   ============================================================ */
.banks{ display:grid; grid-template-columns:repeat(6,1fr); gap:14px; }
.bank{
  display:flex; align-items:center; justify-content:center; text-align:center;
  padding:22px 16px; border:1px solid var(--line-2); border-radius:var(--r-sm); background:var(--paper-2);
  font-weight:700; font-size:15px; color:var(--text); min-height:78px; transition:.2s; letter-spacing:-.01em;
}
.bank:hover{ box-shadow:var(--shadow-sm); border-color:var(--line); color:var(--accent); }

/* ============================================================
   КОМАНДА
   ============================================================ */
.team-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:20px; max-width:920px; margin-inline:auto; }
.member{ }
.member-photo{ border-radius:var(--r-md); overflow:hidden; aspect-ratio:4/5; box-shadow:var(--shadow-sm); border:1px solid var(--line-2); background:var(--ink-soft); }
.member-photo img{ width:100%; height:100%; object-fit:cover; }
.member h4{ font-size:19px; margin:18px 0 4px; }
.member .role{ font-size:14px; color:var(--accent); font-weight:700; }
.member p{ font-size:14px; color:var(--text-muted); margin:10px 0 0; line-height:1.5; }

/* ============================================================
   ОТЗЫВЫ
   ============================================================ */
.reviews{ background:var(--ink-2); color:var(--text-on-dark); }
.reviews-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:20px; }
.review{
  background:rgba(255,255,255,0.04); border:1px solid var(--line-dark); border-radius:var(--r-md);
  padding:32px 28px; display:flex; flex-direction:column;
}
.review .stars{ color:var(--accent-2); font-size:16px; letter-spacing:3px; }
.review .quote{ font-size:16px; line-height:1.6; color:var(--text-on-dark); margin:18px 0 24px; flex:1; }
.review .rv-author{ display:flex; align-items:center; gap:13px; }
.review .rv-avatar{ width:46px; height:46px; border-radius:50%; background:var(--accent-soft); color:var(--accent-2); display:flex; align-items:center; justify-content:center; font-weight:800; font-size:17px; border:1px solid var(--line-dark); flex:none; }
.review .rv-name{ font-weight:700; font-size:15px; color:#fff; }
.review .rv-meta{ font-size:13px; color:var(--text-on-dark-muted); }

/* ============================================================
   FAQ
   ============================================================ */
.faq-wrap{ max-width:840px; margin-inline:auto; }
.faq-item{ border-bottom:1px solid var(--line); }
.faq-q{
  width:100%; text-align:left; background:none; border:none; padding:26px 4px;
  display:flex; align-items:center; justify-content:space-between; gap:24px;
  font-size:clamp(17px,1.7vw,20px); font-weight:700; color:var(--ink); letter-spacing:-.01em;
}
.faq-q .pm{ flex:none; width:30px; height:30px; border-radius:50%; border:1px solid var(--line); position:relative; transition:.2s; }
.faq-q .pm::before,.faq-q .pm::after{ content:""; position:absolute; background:var(--ink); transition:.25s; }
.faq-q .pm::before{ width:12px; height:2px; top:13px; left:8px; }
.faq-q .pm::after{ width:2px; height:12px; top:8px; left:13px; }
.faq-item.open .faq-q .pm{ background:var(--accent); border-color:var(--accent); }
.faq-item.open .faq-q .pm::before,.faq-item.open .faq-q .pm::after{ background:#fff; }
.faq-item.open .faq-q .pm::after{ transform:rotate(90deg); opacity:0; }
.faq-a{ max-height:0; overflow:hidden; transition:max-height .32s ease; }
.faq-a-inner{ padding:0 4px 28px; font-size:16px; color:var(--text-muted); line-height:1.65; max-width:70ch; }

/* ============================================================
   CTA / ФОРМА
   ============================================================ */
.cta{ background:var(--ink-2); color:var(--text-on-dark); position:relative; overflow:hidden; }
.cta::before{ content:""; position:absolute; inset:0; background:radial-gradient(90% 120% at 100% 0%, rgba(181,137,78,.20), transparent 55%); pointer-events:none; }
.cta-grid{ position:relative; display:grid; grid-template-columns:1fr 1fr; gap:clamp(36px,5vw,72px); align-items:center; }
.cta h2{ color:#fff; }
.cta .sec-lead{ color:var(--text-on-dark-muted); }
.cta-contacts{ margin-top:34px; display:flex; flex-direction:column; gap:18px; }
.cta-contact{ display:flex; align-items:center; gap:15px; }
.cta-contact > span:last-child{ display:flex; flex-direction:column; gap:3px; }
.cta-contact .cc-ic{ width:46px; height:46px; border-radius:12px; background:rgba(255,255,255,.07); border:1px solid var(--line-dark); display:flex; align-items:center; justify-content:center; color:var(--accent-2); flex:none; }
.cta-contact .cc-ic svg{ width:21px; height:21px; }
.cta-contact .cc-label{ display:block; font-size:13px; line-height:1.2; color:var(--text-on-dark-muted); }
.cta-contact .cc-val{ display:block; font-size:17px; line-height:1.2; font-weight:700; color:#fff; }

.form-card{ background:var(--paper-2); color:var(--text); border-radius:var(--r-lg); padding:clamp(28px,3.5vw,44px); box-shadow:var(--shadow-lg); }
.form-card h3{ font-size:24px; letter-spacing:-.01em; }
.form-card .fc-sub{ font-size:15px; color:var(--text-muted); margin:8px 0 26px; }
.form-row{ display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.form-field{ margin-bottom:14px; }
.form-field label{ display:block; font-size:13px; font-weight:700; color:var(--text); margin-bottom:7px; }
.form-field input,.form-field select{
  width:100%; padding:14px 16px; border:1px solid var(--line); border-radius:var(--r-sm);
  font-family:inherit; font-size:15.5px; color:var(--text); background:var(--paper); transition:.18s;
}
.form-field input:focus,.form-field select:focus{ outline:none; border-color:var(--accent); background:#fff; box-shadow:0 0 0 4px var(--accent-soft); }
.consent{ display:flex; align-items:flex-start; gap:10px; font-size:12.5px; color:var(--text-muted); margin:16px 0 20px; line-height:1.5; }
.consent input{ margin-top:3px; accent-color:var(--accent); flex:none; }
.consent a{ color:var(--accent); text-decoration:underline; }
.form-ok{ display:none; text-align:center; padding:30px 10px; }
.form-ok.show{ display:block; }
.form-ok .ok-ic{ width:64px; height:64px; border-radius:50%; background:var(--accent-soft); color:var(--accent); display:flex; align-items:center; justify-content:center; margin:0 auto 18px; }
.form-ok .ok-ic svg{ width:32px; height:32px; }
.form-ok h3{ margin-bottom:8px; }
.form-ok p{ color:var(--text-muted); font-size:15px; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer{ background:var(--ink); color:var(--text-on-dark-muted); padding-block:clamp(48px,6vw,72px) 32px; }
.footer-top{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1.2fr; gap:40px; padding-bottom:44px; border-bottom:1px solid var(--line-dark); }
.footer-brand .brand{ color:#fff; }
.footer-brand .brand small{ color:var(--text-on-dark-muted); }
.footer-brand p{ font-size:14px; margin:18px 0 0; max-width:34ch; line-height:1.6; }
.footer-col h5{ font-size:13px; text-transform:uppercase; letter-spacing:.14em; color:#fff; margin:0 0 18px; font-weight:700; }
.footer-col a, .footer-col p{ display:block; font-size:14.5px; margin:0 0 12px; color:var(--text-on-dark-muted); transition:.18s; }
.footer-col a:hover{ color:var(--accent-2); }
.footer-bottom{ display:flex; flex-wrap:wrap; justify-content:space-between; gap:14px; padding-top:28px; font-size:12.5px; color:var(--text-on-dark-muted); }
.footer-bottom a{ color:var(--text-on-dark-muted); text-decoration:underline; }
.disclaimer{ font-size:12px; color:rgba(157,169,180,.7); line-height:1.6; margin-top:18px; max-width:none; }

/* ============================================================
   ПЛАВАЮЩИЕ КНОПКИ
   ============================================================ */
.float-actions{ position:fixed; right:18px; bottom:18px; z-index:70; display:flex; flex-direction:column; gap:12px; }
.fab{ width:54px; height:54px; border-radius:50%; display:flex; align-items:center; justify-content:center; box-shadow:var(--shadow-md); color:#fff; transition:.2s; }
.fab:hover{ transform:translateY(-3px) scale(1.05); }
.fab svg{ width:26px; height:26px; }
.fab.wa{ background:#25D366; } .fab.tg{ background:#2AABEE; }

/* ============================================================
   МОБИЛЬНОЕ МЕНЮ
   ============================================================ */
.mobile-menu{ position:fixed; inset:0; z-index:90; background:var(--ink-2); color:#fff; display:flex; flex-direction:column; padding:24px var(--gut); transform:translateX(100%); transition:transform .32s ease; }
.mobile-menu.open{ transform:translateX(0); }
.mm-top{ display:flex; align-items:center; justify-content:space-between; height:50px; }
.mm-close{ width:44px; height:44px; border:1px solid var(--line-dark); border-radius:12px; background:none; color:#fff; font-size:24px; }
.mm-links{ display:flex; flex-direction:column; gap:4px; margin-top:30px; }
.mm-links a{ font-family:var(--font-display); font-size:30px; font-weight:500; padding:12px 0; border-bottom:1px solid var(--line-dark); color:#fff; }
.mm-foot{ margin-top:auto; padding-top:24px; }
.mm-foot .nav-phone{ color:#fff; font-size:22px; }
.mm-foot .nav-phone small{ color:var(--text-on-dark-muted); }

/* ============================================================
   АНИМАЦИИ ПОЯВЛЕНИЯ
   ============================================================ */
@media (prefers-reduced-motion: no-preference){
  .reveal{ opacity:0; transform:translateY(24px); transition:opacity .7s cubic-bezier(.16,1,.3,1), transform .7s cubic-bezier(.16,1,.3,1); }
  .reveal.in{ opacity:1; transform:none; }
}

/* ============================================================
   АДАПТИВ
   ============================================================ */
@media (max-width:1080px){
  .services-grid{ grid-template-columns:repeat(2,1fr); }
  .steps-grid{ grid-template-columns:repeat(2,1fr); gap:14px; }
  .banks{ grid-template-columns:repeat(4,1fr); }
  .team-grid{ grid-template-columns:repeat(2,1fr); gap:24px; }
  .reviews-grid{ grid-template-columns:1fr; }
  .why-list{ grid-template-columns:1fr 1fr; }
}
@media (max-width:860px){
  .nav-links{ display:none; }
  .nav-phone{ display:none; }
  .burger{ display:none; }              /* бургер пока убран */
  .nav{ gap:16px; }
  .nav-spacer{ display:none; }          /* кнопка тянется от названия до края */
  .nav-cta{ flex:1 1 auto; min-width:0; }
  .nav-cta .btn{ width:100%; }
  .hero-grid{ grid-template-columns:1fr; }
  .hero-visual{ order:-1; max-width:440px; }
  .why-grid{ grid-template-columns:1fr; }
  .why-photo{ max-width:420px; aspect-ratio:5/5; }
  .calc-card{ grid-template-columns:1fr; }
  .calc-result .btn{ margin-top:30px; }
  .cta-grid{ grid-template-columns:1fr; }
  .footer-top{ grid-template-columns:1fr 1fr; gap:32px; }
}
@media (max-width:560px){
  body{ font-size:16px; }
  .services-grid{ grid-template-columns:1fr; }
  .banks{ grid-template-columns:repeat(2,1fr); }
  .team-grid{ grid-template-columns:1fr; max-width:340px; margin-inline:auto; }
  .why-list{ grid-template-columns:1fr; }
  .form-row{ grid-template-columns:1fr; }
  .footer-top{ grid-template-columns:1fr; }
  .reviews-grid{ grid-template-columns:1fr; }
  .nav-cta .btn{ padding:12px 18px; font-size:14px; }
  .hero-trust{ grid-template-columns:repeat(2,1fr); gap:22px 28px; }
}