/* ============================================
   KASTNER · РЕФИНАНСИРОВАНИЕ
   Светлый технологичный финтех (single project, sub-page)
   Палитра: белый + ледяной голубой + тёмно-синий
   ============================================ */

:root {
  /* Фоны */
  --bg-white: #FFFFFF;
  --bg-soft: #F5F8FC;
  --bg-ice: #E8F0FB;
  --bg-ice-2: #DCE7F8;

  /* Синий - основной акцент */
  --blue: #2563EB;
  --blue-hover: #1D4ED8;
  --blue-light: #60A5FA;
  --blue-soft: #EFF4FE;
  --blue-glow: rgba(37, 99, 235, 0.15);

  /* Тёмно-синий - текст и заголовки */
  --navy: #0B1F4D;
  --navy-2: #1E3270;
  --navy-3: #475569;
  --navy-4: #94A3B8;
  --navy-5: #CBD5E1;

  /* Системные цвета */
  --red: #EF4444;
  --green: #22C55E;

  /* Бордеры */
  --border: rgba(11, 31, 77, 0.08);
  --border-strong: rgba(11, 31, 77, 0.14);
  --border-blue: rgba(37, 99, 235, 0.25);

  /* Тени */
  --shadow-sm: 0 1px 2px rgba(11, 31, 77, 0.04);
  --shadow: 0 4px 16px -2px rgba(11, 31, 77, 0.06), 0 2px 4px -2px rgba(11, 31, 77, 0.04);
  --shadow-lg: 0 24px 48px -12px rgba(11, 31, 77, 0.12), 0 8px 16px -8px rgba(11, 31, 77, 0.08);
  --shadow-card: 0 1px 3px rgba(11, 31, 77, 0.05), 0 4px 24px -8px rgba(11, 31, 77, 0.08);
  --shadow-blue: 0 8px 24px -8px rgba(37, 99, 235, 0.35), 0 2px 8px -2px rgba(37, 99, 235, 0.2);

  /* Шрифты */
  --font-display: 'Manrope', sans-serif;
  --font-body: 'Inter', sans-serif;
  --font-mono: 'JetBrains Mono', monospace;

  /* Геометрия */
  --r-sm: 10px;
  --r: 16px;
  --r-lg: 24px;
  --r-xl: 32px;

  /* Высоты */
  --header-h: 76px;
  --topbar-h: 40px;

  /* Лого */
  --logo-url: url("assets/logo-kastner.png");
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  scroll-padding-top: 120px;
}

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.55;
  color: var(--navy);
  background: var(--bg-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

::selection { background: var(--blue); color: #fff; }

a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; border: none; background: none; color: inherit; }
img, svg { display: block; max-width: 100%; }
input, select, textarea { font: inherit; }

/* ============================================
   КОНТЕЙНЕР
   ============================================ */
.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 32px;
}

.container--narrow { max-width: 880px; }

/* ============================================
   КНОПКИ
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 26px;
  border-radius: 100px;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 15px;
  letter-spacing: -0.01em;
  line-height: 1;
  cursor: pointer;
  transition: all 0.2s ease;
  white-space: nowrap;
  border: 1px solid transparent;
}

.btn--sm { padding: 11px 20px; font-size: 14px; }
.btn--lg { padding: 17px 32px; font-size: 16px; }
.btn--full { width: 100%; }

.btn--primary {
  background: var(--blue);
  color: #fff;
  box-shadow: var(--shadow-blue);
}
.btn--primary:hover {
  background: var(--blue-hover);
  transform: translateY(-1px);
  box-shadow: 0 12px 32px -8px rgba(37, 99, 235, 0.45), 0 4px 12px -2px rgba(37, 99, 235, 0.25);
}

.btn--ghost {
  background: var(--bg-white);
  color: var(--navy);
  border: 1px solid var(--border-strong);
}
.btn--ghost:hover {
  background: var(--bg-soft);
  border-color: var(--blue);
  color: var(--blue);
}

/* ============================================
   ТОП-БАР
   ============================================ */
.top-bar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 110;
  height: var(--topbar-h);
  background: linear-gradient(90deg, #0B1F4D 0%, #1E3270 50%, #2563EB 100%);
  color: #fff;
  font-size: 13px;
  display: flex;
  align-items: center;
}
.top-bar__inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 28px;
  flex-wrap: wrap;
  position: relative;
}
.top-bar__item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 500;
  opacity: 0.95;
}
.top-bar__pulse {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #4ADE80;
  box-shadow: 0 0 0 0 rgba(74, 222, 128, 0.6);
  animation: live-pulse 1.8s infinite;
}
@keyframes live-pulse {
  0% { box-shadow: 0 0 0 0 rgba(74, 222, 128, 0.6); }
  70% { box-shadow: 0 0 0 8px rgba(74, 222, 128, 0); }
  100% { box-shadow: 0 0 0 0 rgba(74, 222, 128, 0); }
}
.top-bar__counter { font-weight: 700; color: #4ADE80; }
.top-bar__sep { width: 1px; height: 14px; background: rgba(255,255,255,0.2); }

.has-topbar { padding-top: calc(var(--topbar-h) + var(--header-h)); }
.has-topbar .header { top: var(--topbar-h); }

/* ============================================
   ШАПКА
   ============================================ */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border-bottom: 1px solid transparent;
  transition: all 0.3s ease;
}
.header--scrolled {
  background: rgba(255, 255, 255, 0.95);
  border-bottom-color: var(--border);
  box-shadow: 0 1px 3px rgba(11, 31, 77, 0.04);
}
.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--header-h);
  gap: 24px;
}

/* Логотип */
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--navy);
}
.logo__mark {
  width: 36px;
  height: 36px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0;
  position: relative;
}
.logo__mark::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: var(--logo-url);
  background-size: contain;
  background-repeat: no-repeat;
  background-position: center;
}
.logo__text {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 19px;
  letter-spacing: -0.02em;
}

/* Навигация */
.nav { display: flex; align-items: center; gap: 4px; }

.nav__link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 9px 14px;
  border-radius: 100px;
  font-size: 14px;
  font-weight: 500;
  color: var(--navy-3);
  transition: all 0.2s ease;
}
.nav__link:hover { color: var(--navy); background: var(--bg-soft); }

.nav__item--dropdown { position: relative; }
.nav__link--toggle svg { transition: transform 0.2s ease; }
.nav__item--dropdown:hover .nav__link--toggle svg { transform: rotate(180deg); }

.nav__dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 240px;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 8px;
  display: flex;
  flex-direction: column;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: all 0.2s ease;
  box-shadow: var(--shadow-lg);
}
.nav__item--dropdown:hover .nav__dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.nav__dropdown a {
  padding: 10px 14px;
  border-radius: 10px;
  font-size: 14px;
  color: var(--navy-3);
  transition: all 0.15s ease;
}
.nav__dropdown a:hover { background: var(--blue-soft); color: var(--blue); }

.header__cta { display: flex; align-items: center; gap: 18px; }
.header__phone {
  font-family: var(--font-mono);
  font-size: 13px;
  font-weight: 500;
  color: var(--navy);
  letter-spacing: -0.01em;
  transition: color 0.2s ease;
}
.header__phone:hover { color: var(--blue); }

/* Бургер */
.burger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 36px;
  height: 36px;
  padding: 0;
}
.burger span {
  display: block;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all 0.25s ease;
}
.burger--open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger--open span:nth-child(2) { opacity: 0; }
.burger--open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile-меню */
.mobile-menu {
  position: fixed;
  top: calc(var(--topbar-h) + var(--header-h));
  left: 0;
  right: 0;
  bottom: 0;
  background: #fff;
  padding: 32px;
  display: none;
  flex-direction: column;
  gap: 4px;
  z-index: 105;
  box-shadow: 0 8px 32px -8px rgba(11, 31, 77, 0.15);
  overflow-y: auto;
}
.mobile-menu--open { display: flex; }
.mobile-menu a {
  padding: 14px 0;
  font-family: var(--font-display);
  font-size: 17px;
  font-weight: 500;
  color: var(--navy);
  border-bottom: 1px solid var(--border);
}
.mobile-menu__phone {
  font-family: var(--font-mono) !important;
  color: var(--blue) !important;
}
.mobile-menu .btn { margin-top: 24px; }

/* ============================================
   HERO
   ============================================ */
.hero {
  position: relative;
  background: linear-gradient(180deg, #F5F8FC 0%, #E8F0FB 100%);
  padding: 60px 0 96px;
  overflow: hidden;
  isolation: isolate;
}

.hero__bg-blob {
  position: absolute;
  pointer-events: none;
  z-index: 0;
  filter: blur(80px);
  border-radius: 50%;
}
.hero__bg-blob--1 {
  top: -150px; left: -100px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(96, 165, 250, 0.25), transparent 65%);
}
.hero__bg-blob--2 {
  top: 100px; right: -200px;
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(37, 99, 235, 0.18), transparent 65%);
}
.hero__bg-blob--3 {
  bottom: -200px; left: 30%;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(232, 240, 251, 0.8), transparent 65%);
}

.hero__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: 56px;
  align-items: center;
}

.hero__content { max-width: 640px; }

.hero__badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 28px;
}
.badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  border-radius: 100px;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  font-size: 13px;
  font-weight: 500;
  color: var(--navy-3);
  font-family: var(--font-mono);
  letter-spacing: -0.01em;
}
.badge--primary {
  background: var(--blue-soft);
  border-color: var(--border-blue);
  color: var(--blue);
}
.badge__dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--blue);
  box-shadow: 0 0 8px var(--blue);
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.5; }
}

.hero__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(32px, 3.9vw, 52px);
  line-height: 1.07;
  letter-spacing: -0.035em;
  margin-bottom: 22px;
  color: var(--navy);
}
.accent { color: var(--blue); display: inline; }

.hero__lead {
  font-size: 18px;
  line-height: 1.55;
  color: var(--navy-3);
  margin-bottom: 28px;
  max-width: 560px;
}

.hero__list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 32px;
}
.hero__list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  color: var(--navy-2);
}
.check {
  flex: 0 0 22px;
  width: 22px;
  height: 22px;
  border-radius: 7px;
  background: var(--blue-soft);
  border: 1px solid var(--border-blue);
  color: var(--blue);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 40px;
}

.hero__trust {
  display: flex;
  gap: 36px;
  padding-top: 28px;
  border-top: 1px solid var(--border);
}
.hero__trust-item { display: flex; flex-direction: column; gap: 4px; }
.hero__trust-label {
  font-family: var(--font-mono);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--navy-4);
}
.hero__trust-value {
  font-family: var(--font-display);
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
}

/* HERO CARD - калькулятор было/стало */
.hero__card {
  position: relative;
  padding: 28px;
  background: linear-gradient(165deg, #ffffff 0%, #F8FAFE 100%);
  border: 1px solid var(--border-strong);
  border-radius: var(--r-xl);
  box-shadow: 0 32px 72px -16px rgba(11, 31, 77, 0.18), 0 12px 24px -8px rgba(11, 31, 77, 0.1);
}
.hero__card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 22px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border);
}
.hero__card-label {
  font-family: var(--font-mono);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--navy-4);
}
.hero__card-live {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-mono);
  font-size: 11px;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.pulse {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--blue);
  box-shadow: 0 0 8px var(--blue);
  animation: pulse 1.5s infinite;
}

/* Сравнение было/стало */
.refin-card__compare {
  display: flex;
  flex-direction: column;
}
.refin-card__row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 16px;
  border-radius: 14px;
  background: var(--bg-soft);
  border: 1px solid var(--border);
}
.refin-card__row--after {
  background: linear-gradient(135deg, var(--blue-soft) 0%, #E0EAFC 100%);
  border-color: var(--border-blue);
}
.refin-card__row-info { display: flex; flex-direction: column; gap: 4px; }
.refin-card__row-label {
  font-family: var(--font-mono);
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--navy-4);
}
.refin-card__row-meta { font-size: 13px; color: var(--navy-3); }
.refin-card__row-value {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 26px;
  letter-spacing: -0.03em;
  color: var(--navy);
  line-height: 1;
}
.refin-card__row-value--accent { color: var(--blue); }
.refin-card__row-unit {
  font-family: var(--font-mono);
  font-size: 11px;
  font-weight: 500;
  color: var(--navy-4);
  margin-left: 2px;
  letter-spacing: 0;
}

.refin-card__chart {
  height: 60px;
  margin: 8px 0;
  display: flex;
  align-items: center;
}
.refin-card__chart svg { width: 100%; height: 100%; }

.refin-card__saving {
  display: grid;
  grid-template-columns: 1fr 1px 1fr;
  align-items: center;
  margin-top: 18px;
  padding: 16px;
  background: var(--navy);
  border-radius: 14px;
  position: relative;
  overflow: hidden;
}
.refin-card__saving::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 80% 50%, rgba(37, 99, 235, 0.3), transparent 60%);
  pointer-events: none;
}
.refin-card__saving-item {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  gap: 4px;
  text-align: center;
}
.refin-card__saving-label {
  font-family: var(--font-mono);
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255, 255, 255, 0.6);
}
.refin-card__saving-value {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 22px;
  color: #fff;
  letter-spacing: -0.02em;
  line-height: 1;
}
.refin-card__saving-divider {
  width: 1px;
  height: 32px;
  background: rgba(255, 255, 255, 0.15);
  margin: 0 auto;
}

.hero__card-activity {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px;
  background: linear-gradient(90deg, rgba(74, 222, 128, 0.08) 0%, rgba(74, 222, 128, 0.02) 100%);
  border: 1px solid rgba(74, 222, 128, 0.2);
  border-radius: 12px;
  margin-top: 16px;
  font-size: 13px;
  color: var(--navy);
}
.hero__card-activity-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--green);
  flex-shrink: 0;
  animation: live-pulse 1.8s infinite;
}
.hero__card-activity strong { color: var(--navy); font-weight: 700; }

/* ============================================
   ЯКОРНЫЕ КНОПКИ ПОД HERO
   ============================================ */
.anchors-section {
  padding: 0 0 24px;
  background: linear-gradient(180deg, #E8F0FB 0%, #FFFFFF 100%);
  margin-top: -1px;
}
.anchors {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  padding: 0 0 16px;
}
.anchor-card {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 24px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r);
  color: var(--navy);
  box-shadow: var(--shadow-card);
  transition: all 0.25s ease;
}
.anchor-card:hover {
  transform: translateY(-3px);
  border-color: var(--border-blue);
  box-shadow: var(--shadow-lg);
}
.anchor-card__icon {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: var(--blue-soft);
  color: var(--blue);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all 0.25s ease;
}
.anchor-card:hover .anchor-card__icon {
  background: var(--blue);
  color: #fff;
}
.anchor-card__text {
  flex: 1;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 15px;
  color: var(--navy);
}
.anchor-card__arrow {
  color: var(--navy-4);
  transition: all 0.25s ease;
  flex-shrink: 0;
}
.anchor-card:hover .anchor-card__arrow {
  color: var(--blue);
  transform: translateX(4px);
}

/* ============================================
   СЕКЦИИ - общее
   ============================================ */
.section {
  padding: 100px 0;
  position: relative;
}
.section--soft {
  background: linear-gradient(180deg, #EEF2FB 0%, #E8F0FB 100%);
}

.section__head {
  display: flex;
  gap: 24px;
  margin-bottom: 56px;
  align-items: flex-start;
}
.section__num {
  font-family: var(--font-mono);
  font-size: 13px;
  font-weight: 500;
  color: var(--navy-4);
  padding-top: 8px;
  letter-spacing: 0.04em;
}
.section__kicker {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--blue);
  margin-bottom: 12px;
}
.section__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(28px, 3.6vw, 44px);
  line-height: 1.1;
  letter-spacing: -0.025em;
  max-width: 820px;
  color: var(--navy);
}
.section__lead {
  margin-top: 14px;
  font-size: 17px;
  color: var(--navy-3);
  max-width: 700px;
  line-height: 1.55;
}

/* ============================================
   BENTO GRID - плюсы рефинансирования
   ============================================ */
.bento {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  grid-auto-rows: 200px;
  gap: 16px;
}

.bento__card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 26px;
  position: relative;
  overflow: hidden;
  transition: all 0.32s cubic-bezier(0.4, 0, 0.2, 1);
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
}
.bento__card:hover {
  transform: translateY(-4px);
  border-color: var(--border-blue);
  box-shadow: 0 16px 32px -8px rgba(37, 99, 235, 0.15);
}

.bento__card-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--blue-soft);
  color: var(--blue);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  transition: all 0.3s ease;
  flex-shrink: 0;
}
.bento__card:hover .bento__card-icon {
  background: var(--blue);
  color: #fff;
}

.bento__card-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 18px;
  line-height: 1.25;
  letter-spacing: -0.02em;
  margin-bottom: 8px;
  color: var(--navy);
}
.bento__card-text {
  font-size: 14px;
  color: var(--navy-3);
  line-height: 1.55;
}

/* Большая (1) - синяя feature, 3 col x 2 row */
.bento__card--lg {
  grid-column: span 3;
  grid-row: span 2;
  background: linear-gradient(155deg, #1E3270 0%, #2563EB 60%, #1D4ED8 100%);
  border: none;
  color: #fff;
  padding: 32px;
  overflow: hidden;
}
.bento__card--lg::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 60%;
  height: 200%;
  background: radial-gradient(circle, rgba(255,255,255,0.1) 0%, transparent 70%);
  pointer-events: none;
}
.bento__card--feature .bento__card-content {
  display: flex;
  flex-direction: column;
  position: relative;
  z-index: 1;
  flex: 1;
}
.bento__card-icon--white {
  background: rgba(255, 255, 255, 0.15);
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.2);
}
.bento__card--lg .bento__card-title {
  color: #fff;
  font-size: 24px;
  margin-bottom: 10px;
}
.bento__card--lg .bento__card-text {
  color: rgba(255, 255, 255, 0.85);
  font-size: 15px;
  max-width: 80%;
}
.bento__card--lg:hover { transform: translateY(-4px); }
.bento__card--lg:hover .bento__card-icon { background: rgba(255, 255, 255, 0.25); color: #fff; }

.bento__card-visual {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 16px;
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}
.bento__visual-num {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 56px;
  line-height: 1;
  letter-spacing: -0.04em;
  background: linear-gradient(180deg, #fff 0%, #BFDBFE 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.bento__visual-bars {
  display: flex;
  align-items: flex-end;
  gap: 6px;
  height: 64px;
}
.bento__visual-bars span {
  width: 14px;
  background: linear-gradient(180deg, rgba(255,255,255,0.95) 0%, rgba(255,255,255,0.6) 100%);
  border-radius: 3px;
  transition: height 0.6s ease;
}

/* Карточка 2 - 3 col x 1 row (Дополнительная сумма) */
.bento__card:nth-child(2) {
  grid-column: span 3;
  grid-row: span 1;
}

/* Карточка 3 - 3 col x 1 row sm (без сложного пакета) */
.bento__card:nth-child(3) {
  grid-column: span 3;
  grid-row: span 1;
}

/* Карточка 4 - 4 col x 1 row (объединение нескольких кредитов) */
.bento__card:nth-child(4) {
  grid-column: span 4;
  grid-row: span 1;
}

/* Карточка 5 - 2 col x 1 row (фиксированный платёж) */
.bento__card:nth-child(5) {
  grid-column: span 2;
  grid-row: span 1;
}

/* Широкая нижняя (6) - 6 col x 1 row, выше высоты */
.bento__card--wide {
  grid-column: span 6;
  grid-row: span 1;
  padding: 26px 30px;
  height: auto;
  min-height: 200px;
}
.bento__card--alt {
  background: linear-gradient(135deg, #F5F8FC 0%, #E8F0FB 100%);
  border: 1px solid var(--border-blue);
}
.bento__card-content--row {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 32px;
  align-items: center;
  width: 100%;
}
.bento__card-content--row > div {
  display: flex;
  flex-direction: column;
}
.bento__chips {
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 16px;
}
.bento__chips li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  font-weight: 500;
  color: var(--navy);
  padding: 10px 14px;
  background: #fff;
  border-radius: 100px;
  border: 1px solid var(--border);
}
.bento__chip-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--blue);
  box-shadow: 0 0 8px var(--blue-glow);
  flex-shrink: 0;
}

/* ============================================
   WHY-US: SEO-блок + карточки задач
   ============================================ */
.why-seo {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 48px;
  padding: 28px 32px;
  background: rgba(255, 255, 255, 0.6);
  border: 1px solid var(--border);
  border-left: 3px solid var(--blue);
  border-radius: var(--r);
  max-width: 880px;
}
.why-seo p {
  font-size: 15px;
  line-height: 1.65;
  color: var(--navy-3);
}

.reasons {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
  margin-bottom: 32px;
}

.reason-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 24px;
  position: relative;
  transition: all 0.3s ease;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.reason-card:hover {
  transform: translateY(-4px);
  border-color: var(--border-blue);
  box-shadow: 0 16px 36px -8px rgba(11, 31, 77, 0.12);
}
.reason-card__num {
  position: absolute;
  top: 18px;
  right: 22px;
  font-family: var(--font-mono);
  font-size: 12px;
  color: var(--blue);
  font-weight: 600;
  letter-spacing: 0.04em;
}
.reason-card__icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--blue-soft);
  color: var(--blue);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 4px;
}
.reason-card__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 18px;
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: var(--navy);
  margin-bottom: 4px;
}

.reason-card__block {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding-top: 14px;
  border-top: 1px dashed var(--border);
}
.reason-card__block p {
  font-size: 13.5px;
  color: var(--navy-2);
  line-height: 1.5;
}
.reason-card__block-label {
  display: flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-mono);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-weight: 600;
  color: var(--red);
}
.reason-card__block-label--us { color: var(--blue); }
.reason-card__block-label--why { color: var(--navy-3); }

/* Нижний блок-стрипа */
.reasons-strip {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 28px;
  padding: 24px 28px;
  background: linear-gradient(135deg, #fff 0%, var(--blue-soft) 100%);
  border: 1px solid var(--border-blue);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-card);
}
.reasons-strip__title {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 16px;
  color: var(--navy);
  max-width: 220px;
  line-height: 1.3;
}
.reasons-strip__title-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: #fff;
  color: var(--blue);
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--border-blue);
  flex-shrink: 0;
}
.reasons-strip__list {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 14px 28px;
  align-items: center;
}
.reasons-strip__list li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 500;
  color: var(--navy-2);
}
.reasons-strip__list svg { color: var(--blue); flex-shrink: 0; }
.reasons-strip__btn {
  white-space: nowrap;
}

/* ============================================
   ШАГИ "КАК ПОЛУЧИТЬ"
   ============================================ */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  position: relative;
}
.steps__line {
  position: absolute;
  top: 32px;
  left: 8%;
  right: 8%;
  height: 2px;
  background: linear-gradient(90deg, transparent 0%, var(--border-blue) 15%, var(--border-blue) 85%, transparent 100%);
  z-index: 0;
}
.step {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 28px;
  position: relative;
  z-index: 1;
  transition: all 0.3s ease;
}
.step:hover {
  transform: translateY(-4px);
  border-color: var(--border-blue);
  box-shadow: var(--shadow-card);
}
.step__num {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--blue);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 16px;
  margin-bottom: 20px;
  box-shadow: 0 6px 16px -4px rgba(37, 99, 235, 0.35);
  border: 4px solid #fff;
}
.step__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 17px;
  line-height: 1.25;
  letter-spacing: -0.02em;
  color: var(--navy);
  margin-bottom: 8px;
}
.step__text {
  font-size: 14px;
  color: var(--navy-3);
  line-height: 1.55;
}

/* ============================================
   КАЛЬКУЛЯТОР РЕФИНАНСИРОВАНИЯ
   ============================================ */
.refin-calc {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr 0.9fr;
  gap: 20px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-xl);
  padding: 28px;
  box-shadow: var(--shadow-lg);
}

.refin-calc__controls {
  display: flex;
  flex-direction: column;
  gap: 22px;
}

.refin-calc__features {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 16px;
  margin-bottom: 4px;
}
.refin-calc__feature {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-mono);
  font-size: 11px;
  color: var(--navy-3);
}
.refin-calc__feature svg { color: var(--blue); }

.refin-calc__field {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.refin-calc__field-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}
.refin-calc__field-head label {
  font-size: 13px;
  font-weight: 500;
  color: var(--navy-3);
}
.refin-calc__field-value {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 17px;
  letter-spacing: -0.02em;
  color: var(--navy);
}

.refin-calc__field input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: var(--bg-ice);
  outline: none;
}
.refin-calc__field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--blue);
  cursor: pointer;
  border: 4px solid #fff;
  box-shadow: 0 4px 10px -2px rgba(37, 99, 235, 0.4);
  transition: transform 0.15s ease;
}
.refin-calc__field input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
.refin-calc__field input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--blue);
  cursor: pointer;
  border: 4px solid #fff;
  box-shadow: 0 4px 10px -2px rgba(37, 99, 235, 0.4);
}
.refin-calc__field-range {
  display: flex;
  justify-content: space-between;
  font-family: var(--font-mono);
  font-size: 11px;
  color: var(--navy-4);
}

.refin-calc__field--toggle {
  display: flex;
  flex-direction: row;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.refin-calc__field--toggle label {
  font-size: 13px;
  font-weight: 500;
  color: var(--navy-3);
}
.refin-calc__toggle {
  display: inline-flex;
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: 100px;
  padding: 3px;
}
.refin-calc__toggle-btn {
  padding: 7px 18px;
  border-radius: 100px;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy-3);
  transition: all 0.2s ease;
  cursor: pointer;
}
.refin-calc__toggle-btn--active {
  background: var(--blue);
  color: #fff;
  box-shadow: 0 4px 10px -2px rgba(37, 99, 235, 0.3);
}

/* Compare-box (центр) */
.refin-calc__compare-box {
  display: flex;
  flex-direction: column;
  background: linear-gradient(165deg, #F8FAFE 0%, var(--blue-soft) 100%);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 24px;
}
.refin-calc__compare-title {
  font-family: var(--font-mono);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--navy-4);
  margin-bottom: 20px;
  line-height: 1.5;
}

.refin-calc__compare-block {
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding: 14px 0;
}
.refin-calc__compare-block + .refin-calc__compare-block { border-top: 1px dashed var(--border-strong); }

.refin-calc__compare-label {
  font-family: var(--font-mono);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--navy-4);
}
.refin-calc__compare-value {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 28px;
  letter-spacing: -0.03em;
  color: var(--navy);
  line-height: 1;
}
.refin-calc__compare-value--after { color: var(--blue); }
.refin-calc__compare-unit {
  font-family: var(--font-mono);
  font-size: 12px;
  font-weight: 500;
  color: var(--navy-4);
  letter-spacing: 0;
}

.refin-calc__compare-bars {
  display: flex;
  align-items: flex-end;
  gap: 4px;
  height: 36px;
  margin-top: 6px;
}
.refin-calc__compare-bars span {
  flex: 1;
  background: var(--navy-5);
  border-radius: 2px;
  min-height: 4px;
  max-height: 100%;
  transition: height 0.5s ease;
}
.refin-calc__compare-bars--after span {
  background: linear-gradient(180deg, var(--blue) 0%, var(--blue-light) 100%);
}

/* Result-box (правый) */
.refin-calc__result {
  background: linear-gradient(155deg, #1E3270 0%, #2563EB 60%, #1D4ED8 100%);
  border-radius: var(--r-lg);
  padding: 24px;
  color: #fff;
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}
.refin-calc__result::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -25%;
  width: 65%;
  height: 200%;
  background: radial-gradient(circle, rgba(255,255,255,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.refin-calc__result-head {
  font-family: var(--font-mono);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255, 255, 255, 0.6);
  margin-bottom: 18px;
  position: relative;
  z-index: 1;
}
.refin-calc__result-block {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 12px 0;
  position: relative;
  z-index: 1;
}
.refin-calc__result-block + .refin-calc__result-block {
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}
.refin-calc__result-label {
  font-family: var(--font-mono);
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255, 255, 255, 0.6);
}
.refin-calc__result-value {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 26px;
  letter-spacing: -0.02em;
  color: #fff;
  line-height: 1.1;
  display: flex;
  align-items: baseline;
  gap: 4px;
}
.refin-calc__result-value--accent {
  font-size: 32px;
  background: linear-gradient(180deg, #fff 0%, #BFDBFE 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.refin-calc__result-value--mid { font-size: 24px; }
.refin-calc__result-unit {
  font-family: var(--font-mono);
  font-size: 12px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.7);
  letter-spacing: 0;
}
.refin-calc__result-extra {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.7);
  margin-top: 2px;
}
.refin-calc__result-bar {
  height: 6px;
  background: rgba(255, 255, 255, 0.15);
  border-radius: 3px;
  margin-top: 8px;
  overflow: hidden;
}
.refin-calc__result-bar-fill {
  height: 100%;
  background: linear-gradient(90deg, #34D399 0%, #4ADE80 100%);
  border-radius: 3px;
  transition: width 0.5s ease;
}

.refin-calc__cta {
  margin-top: auto;
  background: #fff !important;
  color: var(--blue) !important;
  position: relative;
  z-index: 1;
}
.refin-calc__cta:hover {
  background: #F1F5F9 !important;
  transform: translateY(-2px);
}

.refin-calc__notes {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  margin-top: 24px;
  flex-wrap: wrap;
}
.refin-calc__note {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--navy-3);
}
.refin-calc__note svg { color: var(--blue); flex-shrink: 0; }

/* ============================================
   БАНКИ ПАРТНЁРЫ
   ============================================ */
.partners {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 14px;
}
.partner {
  height: 100px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 14px 12px;
  transition: all 0.3s ease;
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}
.partner img {
  max-width: 86%;
  max-height: 60px;
  object-fit: contain;
  filter: grayscale(0.15);
  transition: filter 0.3s ease, transform 0.3s ease;
  mix-blend-mode: multiply;
}
.partner:hover {
  transform: translateY(-3px);
  border-color: var(--border-blue);
  box-shadow: 0 12px 28px -8px rgba(11, 31, 77, 0.15);
}
.partner:hover img {
  filter: grayscale(0);
  transform: scale(1.05);
}

/* ============================================
   ОТЗЫВЫ
   ============================================ */
.testimonials {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.testimonial {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 28px;
  position: relative;
  transition: all 0.3s ease;
}
.testimonial:hover {
  transform: translateY(-4px);
  border-color: var(--border-blue);
  box-shadow: 0 16px 36px -8px rgba(11, 31, 77, 0.12);
}
.testimonial__quote {
  position: absolute;
  top: 18px;
  right: 22px;
  font-family: var(--font-display);
  font-size: 56px;
  line-height: 1;
  color: var(--blue);
  opacity: 0.15;
  font-weight: 800;
}
.testimonial__stars {
  display: flex;
  gap: 2px;
  color: #FBBF24;
  margin-bottom: 14px;
}
.testimonial__tag {
  display: inline-block;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 700;
  color: var(--blue);
  background: var(--blue-soft);
  padding: 3px 10px;
  border-radius: 999px;
  margin-bottom: 10px;
}
.testimonial__text {
  color: var(--navy);
  font-size: 15px;
  line-height: 1.6;
  margin-bottom: 18px;
}
.testimonial__author {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 18px;
  border-top: 1px solid var(--border);
}
.testimonial__avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: 16px;
  font-family: var(--font-display);
  flex-shrink: 0;
}
.testimonial__avatar--1 { background: linear-gradient(135deg, #F472B6 0%, #DB2777 100%); }
.testimonial__avatar--2 { background: linear-gradient(135deg, #60A5FA 0%, #2563EB 100%); }
.testimonial__avatar--3 { background: linear-gradient(135deg, #34D399 0%, #059669 100%); }
.testimonial__name {
  font-weight: 700;
  color: var(--navy);
  font-size: 14px;
  display: block;
}
.testimonial__meta {
  font-size: 12px;
  color: var(--navy-3);
}

/* ============================================
   FAQ
   ============================================ */
.faq {
  display: flex;
  flex-direction: column;
  gap: 12px;
  max-width: 920px;
  margin: 0 auto;
}
.faq__item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r);
  transition: all 0.25s ease;
  overflow: hidden;
}
.faq__item[open] {
  border-color: var(--border-blue);
  box-shadow: var(--shadow-card);
}
.faq__summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 22px 28px;
  user-select: none;
}
.faq__summary::-webkit-details-marker { display: none; }
.faq__q {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 17px;
  line-height: 1.35;
  letter-spacing: -0.015em;
  color: var(--navy);
}
.faq__plus {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--blue-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
  transition: all 0.25s ease;
}
.faq__plus span {
  position: absolute;
  background: var(--blue);
  border-radius: 1px;
  transition: transform 0.25s ease;
}
.faq__plus span:nth-child(1) { width: 12px; height: 2px; }
.faq__plus span:nth-child(2) { width: 2px; height: 12px; }
.faq__item[open] .faq__plus { background: var(--blue); }
.faq__item[open] .faq__plus span { background: #fff; }
.faq__item[open] .faq__plus span:nth-child(2) { transform: scaleY(0); }
.faq__answer {
  padding: 0 28px 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.faq__answer p {
  font-size: 15px;
  line-height: 1.65;
  color: var(--navy-3);
}
.faq__answer p strong {
  color: var(--navy);
  font-weight: 700;
}

/* ============================================
   CTA-STRIPE
   ============================================ */
.cta-stripe {
  background: linear-gradient(135deg, #0B1F4D 0%, #1E3270 60%, #2563EB 100%);
  border-radius: var(--r-xl);
  padding: 48px 56px;
  display: grid;
  grid-template-columns: 1.4fr auto;
  gap: 32px;
  align-items: center;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.cta-stripe::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 60%;
  height: 200%;
  background: radial-gradient(circle, rgba(255,255,255,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.cta-stripe::after {
  content: '';
  position: absolute;
  bottom: -40%;
  left: -10%;
  width: 50%;
  height: 180%;
  background: radial-gradient(circle, rgba(96, 165, 250, 0.18) 0%, transparent 70%);
  pointer-events: none;
}
.cta-stripe__content { position: relative; z-index: 1; }
.cta-stripe__kicker {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 12px;
}
.cta-stripe__kicker::before {
  content: '';
  width: 24px;
  height: 1px;
  background: rgba(255, 255, 255, 0.5);
}
.cta-stripe__title {
  font-family: var(--font-display);
  font-size: clamp(24px, 3vw, 36px);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}
.cta-stripe__title span {
  background: linear-gradient(90deg, #60A5FA 0%, #93C5FD 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.cta-stripe__lead {
  color: rgba(255, 255, 255, 0.8);
  font-size: 16px;
  max-width: 520px;
}
.cta-stripe__actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
  position: relative;
  z-index: 1;
}
.cta-stripe__actions .btn {
  white-space: nowrap;
  background: #fff !important;
  color: var(--blue) !important;
}
.cta-stripe__actions .btn:hover {
  background: #F1F5F9 !important;
  transform: translateY(-2px);
}
.cta-stripe__phone {
  color: rgba(255, 255, 255, 0.9);
  font-size: 15px;
  font-weight: 500;
  text-align: center;
}
.cta-stripe__phone strong {
  display: block;
  font-size: 20px;
  font-weight: 700;
  font-family: var(--font-display);
  margin-top: 2px;
  color: #fff;
}

/* ============================================
   КОНТАКТЫ
   ============================================ */
.contacts {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.contact-card {
  padding: 36px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  color: var(--navy);
  display: flex;
  flex-direction: column;
  gap: 8px;
  transition: all 0.25s ease;
  box-shadow: var(--shadow-sm);
}
.contact-card:hover {
  transform: translateY(-4px);
  border-color: var(--border-blue);
  box-shadow: var(--shadow-lg);
}
.contact-card__icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  background: var(--blue-soft);
  color: var(--blue);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  transition: all 0.25s ease;
}
.contact-card:hover .contact-card__icon {
  background: var(--blue);
  color: #fff;
}
.contact-card__label {
  font-family: var(--font-mono);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--navy-4);
}
.contact-card__value {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 22px;
  letter-spacing: -0.02em;
  color: var(--navy);
}
.contact-card__hint {
  font-size: 13px;
  color: var(--navy-3);
  margin-top: 4px;
}

/* ============================================
   ФУТЕР
   ============================================ */
.footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.7);
  padding: 64px 0 32px;
  position: relative;
  overflow: hidden;
}
.footer::before {
  content: '';
  position: absolute;
  top: -100px;
  left: 50%;
  transform: translateX(-50%);
  width: 800px;
  height: 400px;
  background: radial-gradient(ellipse, rgba(37, 99, 235, 0.2), transparent 60%);
  filter: blur(60px);
  pointer-events: none;
}
.footer .container { position: relative; }
.footer__top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}
.footer__brand { max-width: 320px; }
.logo--footer {
  margin-bottom: 16px;
  color: #fff;
}
.footer__tagline {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.6);
  line-height: 1.5;
}
.footer__col {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.footer__title {
  font-family: var(--font-mono);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 4px;
}
.footer__col a,
.footer__col span {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.7);
  transition: color 0.2s ease;
}
.footer__col a:hover { color: var(--blue-light); }
.footer__hours {
  font-family: var(--font-mono);
  font-size: 12px !important;
  color: rgba(255, 255, 255, 0.5) !important;
}
.footer__bottom {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding-top: 32px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.5);
}
.footer__bottom a { color: rgba(255, 255, 255, 0.7); }
.footer__bottom a:hover { color: var(--blue-light); }
.footer__legal {
  font-family: var(--font-mono);
  font-size: 12px;
}

/* ============================================
   ПЛАВАЮЩИЕ КНОПКИ
   ============================================ */
.float-cta {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 100;
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: flex-end;
}
.float-cta__btn {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  box-shadow: 0 12px 32px -6px rgba(0, 0, 0, 0.25);
  cursor: pointer;
  transition: all 0.25s ease;
  position: relative;
}
.float-cta__btn:hover { transform: scale(1.08); }
.float-cta__btn--wa { background: linear-gradient(135deg, #25D366 0%, #128C7E 100%); }
.float-cta__btn--call { background: linear-gradient(135deg, var(--blue) 0%, var(--blue-hover) 100%); }
.float-cta__btn::before {
  content: '';
  position: absolute;
  inset: -4px;
  border-radius: 50%;
  border: 2px solid currentColor;
  opacity: 0.4;
  animation: float-ping 2s infinite;
}
@keyframes float-ping {
  0%   { transform: scale(1);   opacity: 0.4; }
  100% { transform: scale(1.4); opacity: 0; }
}
.float-cta__label {
  position: absolute;
  right: 72px;
  top: 50%;
  transform: translateY(-50%);
  background: #fff;
  color: var(--navy);
  padding: 8px 14px;
  border-radius: 10px;
  font-size: 13px;
  font-weight: 600;
  white-space: nowrap;
  box-shadow: var(--shadow-card);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s ease;
}
.float-cta__btn:hover .float-cta__label { opacity: 1; }

/* Кнопка наверх (мобилка) */
.scroll-top {
  position: fixed;
  bottom: 16px;
  left: 16px;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: #fff;
  border: 1px solid var(--border);
  display: none;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  cursor: pointer;
  z-index: 99;
  box-shadow: 0 8px 20px -4px rgba(11, 31, 77, 0.15);
  transition: all 0.2s ease;
}
.scroll-top:hover {
  background: var(--blue);
  color: #fff;
  border-color: var(--blue);
  transform: translateY(-2px);
}
.scroll-top.visible { display: flex; }
@media (min-width: 721px) {
  .scroll-top { display: none !important; }
}

/* ============================================
   АНИМАЦИИ ПОЯВЛЕНИЯ
   ============================================ */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s cubic-bezier(0.22, 1, 0.36, 1), transform 0.7s cubic-bezier(0.22, 1, 0.36, 1);
}
.reveal--visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================
   АДАПТИВ - 1100 (планшет)
   ============================================ */
@media (max-width: 1100px) {
  .container { padding: 0 24px; }
  .section { padding: 80px 0; }

  .hero { padding: 48px 0 72px; }
  .hero__inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero__card { max-width: 560px; }

  .anchors {
    grid-template-columns: 1fr;
    gap: 10px;
  }

  /* Bento - 6→2 колонки на планшете */
  .bento {
    grid-template-columns: repeat(2, 1fr);
    grid-auto-rows: auto;
  }
  .bento__card--lg {
    grid-column: span 2;
    grid-row: span 1;
    min-height: 280px;
  }
  .bento__card:nth-child(2),
  .bento__card:nth-child(3),
  .bento__card:nth-child(4),
  .bento__card:nth-child(5),
  .bento__card--wide {
    grid-column: span 2;
    grid-row: span 1;
  }

  /* Reasons - 2 колонки */
  .reasons {
    grid-template-columns: repeat(2, 1fr);
  }

  .reasons-strip {
    grid-template-columns: 1fr;
    gap: 18px;
    text-align: left;
  }
  .reasons-strip__title { max-width: none; }
  .reasons-strip__btn { width: 100%; }

  /* Steps - 2 колонки */
  .steps { grid-template-columns: repeat(2, 1fr); }
  .steps__line { display: none; }

  /* Calc - в одну колонку (3 блока друг под другом) */
  .refin-calc {
    grid-template-columns: 1fr;
    gap: 18px;
  }

  /* Partners - 4 кол */
  .partners { grid-template-columns: repeat(4, 1fr); }

  .contacts { grid-template-columns: 1fr; }

  .footer__top {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }

  /* Шапка - бургер */
  .nav { display: none; }
  .header__cta .header__phone { display: none; }
  .burger { display: flex; }

  .section__head {
    flex-direction: column;
    gap: 14px;
    margin-bottom: 40px;
  }
  .section__num { padding-top: 0; }
}

/* ============================================
   АДАПТИВ - 720 (мобилка)
   ============================================ */
@media (max-width: 720px) {
  :root { --topbar-h: 40px; }
  .container { padding: 0 20px; }
  .section { padding: 56px 0; }

  .top-bar { font-size: 11.5px; padding: 0; }
  .top-bar__sep { display: none; }
  .top-bar__inner { gap: 12px; }
  /* На мобиле показываем только первый пункт со счётчиком */
  .top-bar__item:nth-child(n+3) { display: none; }

  .hero { padding: 32px 0 48px; }
  .hero__title { font-size: clamp(28px, 8vw, 38px); }
  .hero__lead { font-size: 16px; }
  .hero__trust {
    flex-wrap: wrap;
    gap: 18px;
  }
  .hero__actions { flex-direction: column; align-items: stretch; }
  .hero__actions .btn { width: 100%; }

  .hero__card { padding: 22px; }
  .refin-card__row-value { font-size: 22px; }
  .refin-card__saving-value { font-size: 19px; }
  .refin-card__chart { height: 50px; }

  /* Bento - всё в столбик на мобильном */
  .bento {
    grid-template-columns: 1fr;
    grid-auto-rows: auto;
  }
  .bento__card,
  .bento__card--lg,
  .bento__card:nth-child(2),
  .bento__card:nth-child(3),
  .bento__card:nth-child(4),
  .bento__card:nth-child(5),
  .bento__card--wide {
    grid-column: span 1;
    grid-row: span 1;
  }
  .bento__card--lg {
    padding: 28px;
    min-height: auto;
  }
  .bento__card--feature .bento__card-content { max-width: 100%; }
  .bento__card-visual {
    width: 100%;
    flex-direction: row;
    align-items: flex-end;
    justify-content: space-between;
    margin-top: 18px;
  }
  .bento__card--lg .bento__card-title { font-size: 22px; }
  .bento__card--lg .bento__card-text { max-width: 100%; }
  .bento__visual-num { font-size: 44px; }
  .bento__visual-bars { height: 56px; }
  .bento__card-content--row {
    grid-template-columns: 1fr;
    gap: 18px;
  }
  .bento__chips { grid-template-columns: 1fr; }

  /* Reasons - 1 колонка */
  .reasons { grid-template-columns: 1fr; }
  .reason-card { padding: 22px; }

  .reasons-strip {
    padding: 22px;
    gap: 16px;
  }
  .reasons-strip__list { flex-direction: column; align-items: flex-start; gap: 10px; }

  .why-seo { padding: 22px; }
  .why-seo p { font-size: 14px; }

  /* Steps - 1 колонка */
  .steps { grid-template-columns: 1fr; }

  /* Calc */
  .refin-calc { padding: 20px; gap: 16px; }
  .refin-calc__field--toggle {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
  }
  .refin-calc__compare-value { font-size: 24px; }
  .refin-calc__result-value { font-size: 22px; }
  .refin-calc__result-value--accent { font-size: 28px; }
  .refin-calc__notes { flex-direction: column; gap: 10px; }

  /* Partners - 3 кол */
  .partners { grid-template-columns: repeat(3, 1fr); gap: 10px; }
  .partner { height: 80px; padding: 10px 8px; }
  .partner img { max-height: 50px; }

  .testimonials { grid-template-columns: 1fr; }

  .faq__summary { padding: 18px 22px; gap: 12px; }
  .faq__q { font-size: 15px; }
  .faq__answer { padding: 0 22px 20px; }
  .faq__answer p { font-size: 14px; }

  .cta-stripe {
    grid-template-columns: 1fr;
    padding: 32px 24px;
    text-align: center;
  }
  .cta-stripe__kicker { justify-content: center; }
  .cta-stripe__actions .btn { width: 100%; }

  .footer__top {
    grid-template-columns: 1fr;
    gap: 32px;
    padding-bottom: 32px;
  }
  .footer__bottom { flex-direction: column; align-items: flex-start; }

  .float-cta { bottom: 16px; right: 16px; }
  .float-cta__btn { width: 54px; height: 54px; }
}

/* ============================================
   АДАПТИВ - 480 (мини)
   ============================================ */
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero__badges { gap: 8px; }
  .badge { font-size: 11px; padding: 6px 12px; }
  .partners { grid-template-columns: repeat(2, 1fr); }
  .refin-card__row-value { font-size: 19px; }
  .refin-card__row {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }
  .refin-card__saving { padding: 14px; }
  .refin-card__saving-value { font-size: 17px; }
}