/* ============================================================
   Смартзаем — smartzaem.kz
   Дизайн: «честный финтех на тёплой бумаге»
   Палитра: бумага #F6F3EC · чернила #12222E · изумруд #077A52
            мята #7EEDBF · янтарь #E8A23D
   Шрифты: Unbounded (дисплей) + Golos Text (текст), self-hosted
   ============================================================ */

/* ---------- Шрифты ---------- */
@font-face { font-family:'Golos Text'; font-style:normal; font-weight:400 600; font-display:swap;
  src:url(fonts/golos-text-cyrillic-ext-b06cf9.woff2) format('woff2');
  unicode-range:U+0460-052F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F; }
@font-face { font-family:'Golos Text'; font-style:normal; font-weight:400 600; font-display:swap;
  src:url(fonts/golos-text-cyrillic-721d01.woff2) format('woff2');
  unicode-range:U+0301,U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116; }
@font-face { font-family:'Golos Text'; font-style:normal; font-weight:400 600; font-display:swap;
  src:url(fonts/golos-text-latin-ext-52fc06.woff2) format('woff2');
  unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF; }
@font-face { font-family:'Golos Text'; font-style:normal; font-weight:400 600; font-display:swap;
  src:url(fonts/golos-text-latin-65c68b.woff2) format('woff2');
  unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD; }
@font-face { font-family:'Unbounded'; font-style:normal; font-weight:500 700; font-display:swap;
  src:url(fonts/unbounded-cyrillic-ext-497409.woff2) format('woff2');
  unicode-range:U+0460-052F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F; }
@font-face { font-family:'Unbounded'; font-style:normal; font-weight:500 700; font-display:swap;
  src:url(fonts/unbounded-cyrillic-cb504d.woff2) format('woff2');
  unicode-range:U+0301,U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116; }
@font-face { font-family:'Unbounded'; font-style:normal; font-weight:500 700; font-display:swap;
  src:url(fonts/unbounded-latin-ext-936fcc.woff2) format('woff2');
  unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF; }
@font-face { font-family:'Unbounded'; font-style:normal; font-weight:500 700; font-display:swap;
  src:url(fonts/unbounded-latin-37e641.woff2) format('woff2');
  unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD; }

/* ---------- Токены ---------- */
:root{
  --paper:#F6F3EC;
  --paper-2:#EFEAE0;
  --card:#FFFFFF;
  --ink:#12222E;
  --ink-soft:#1C3242;
  --muted:#5A6B77;
  --line:#E2DBCC;
  --line-soft:#ECE6D9;
  --em:#066A47;         /* глубокий изумруд — акцентные цифры, ссылки */
  --em-bright:#0BA36B;  /* сочный — полосы, мелкие элементы */
  --mint:#7EEDBF;       /* мята — текст CTA на чернилах */
  --amber:#E8A23D;      /* янтарь — искры, «0%» */
  --amber-deep:#9A6412;
  --radius:20px;
  --radius-s:12px;
  --shadow:0 10px 30px rgba(18,34,46,.08);
  --shadow-lift:0 18px 44px rgba(18,34,46,.14);
  --font-d:'Unbounded', 'Arial Black', sans-serif;
  --font-t:'Golos Text', 'Segoe UI', Tahoma, sans-serif;
  --wrap:1180px;
}

/* ---------- База ---------- */
*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; -webkit-text-size-adjust:100%; }
@media (prefers-reduced-motion:reduce){ html{ scroll-behavior:auto; } }
html, body{ overflow-x:clip; }
body{
  margin:0; font-family:var(--font-t); font-size:17px; line-height:1.6;
  color:var(--ink); background:var(--paper);
}
img,svg{ max-width:100%; display:block; }
a{ color:var(--em); text-decoration-thickness:1px; text-underline-offset:3px; }
a:hover{ color:var(--ink); }
h1,h2,h3{ font-family:var(--font-d); font-weight:500; line-height:1.18; margin:0 0 .5em;
  letter-spacing:-.01em; text-wrap:balance; }
h1{ font-size:clamp(1.9rem, 4.3vw, 3.15rem); }
h2{ font-size:clamp(1.4rem, 2.6vw, 2rem); }
h3{ font-size:1.12rem; line-height:1.3; }
p{ margin:0 0 1em; }
.wrap{ max-width:var(--wrap); margin:0 auto; padding:0 22px; }
.sec{ padding:72px 0; }
.sec-tight{ padding:52px 0; }
.lead{ font-size:1.12rem; color:var(--muted); max-width:640px; }
.center{ text-align:center; }
.center .lead{ margin-inline:auto; }

/* Заголовок секции с «скобками прогресса» — фирменный мотив */
.kicker{
  display:inline-flex; align-items:center; gap:10px;
  font:600 .78rem/1 var(--font-t); letter-spacing:.14em; text-transform:uppercase;
  color:var(--em); margin-bottom:14px;
}
.kicker::before, .kicker::after{ content:''; width:18px; height:10px; border:2px solid var(--em-bright); border-radius:2px; }
.kicker::before{ border-right:0; }
.kicker::after{ border-left:0; }

/* ---------- Кнопки ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:10px;
  min-height:52px; padding:14px 26px; border-radius:14px; border:0;
  font:600 1rem/1.2 var(--font-t); cursor:pointer; text-decoration:none;
  transition:transform .18s ease, box-shadow .18s ease, background .18s ease;
}
.btn-primary{ background:var(--ink); color:var(--mint); box-shadow:0 8px 22px rgba(18,34,46,.22); }
.btn-primary:hover{ transform:translateY(-2px); box-shadow:0 14px 30px rgba(18,34,46,.28); color:var(--mint); }
.btn-primary svg{ flex:0 0 auto; }
.btn-ghost{ background:transparent; color:var(--ink); border:1.5px solid var(--line); }
.btn-ghost:hover{ border-color:var(--ink); }
.btn-mint{ background:var(--em); color:#fff; }
.btn-mint:hover{ background:#05603F; color:#fff; transform:translateY(-2px); }
.btn-block{ width:100%; }

/* ---------- Шапка ---------- */
.top{
  position:sticky; top:0; z-index:60; background:rgba(246,243,236,.92);
  backdrop-filter:blur(10px); -webkit-backdrop-filter:blur(10px);
  border-bottom:1px solid transparent; transition:border-color .2s, box-shadow .2s;
}
.top.scrolled{ border-bottom-color:var(--line-soft); box-shadow:0 6px 24px rgba(18,34,46,.06); }
.top-in{ display:flex; align-items:center; gap:26px; min-height:74px; }
.logo{ display:flex; align-items:center; gap:11px; text-decoration:none; color:var(--ink); }
.logo:hover{ color:var(--ink); }
.logo-mark{ width:40px; height:40px; flex:0 0 auto; }
.logo-word{ font:500 1.18rem/1 var(--font-d); letter-spacing:-.02em; }
.logo-word b{ font-weight:500; color:var(--em); }
.logo-sub{ display:block; font:500 .62rem/1.2 var(--font-t); letter-spacing:.08em; text-transform:uppercase; color:var(--muted); margin-top:3px; }
.nav{ display:flex; gap:4px; margin-left:auto; }
.nav a{
  display:inline-flex; align-items:center; min-height:44px; padding:0 13px; border-radius:10px;
  font:500 .95rem/1 var(--font-t); color:var(--ink-soft); text-decoration:none;
}
.nav a:hover{ background:var(--paper-2); color:var(--ink); }
.top-cta{ display:flex; align-items:center; gap:14px; }
.top-phone{ font:600 .95rem/1.2 var(--font-t); color:var(--ink); text-decoration:none; white-space:nowrap; }
.top-phone small{ display:block; font-weight:400; color:var(--muted); }
.top .btn{ min-height:46px; padding:11px 20px; }
.burger{ display:none; margin-left:auto; width:48px; height:48px; border:1.5px solid var(--line); border-radius:12px; background:transparent; cursor:pointer; position:relative; }
.burger span, .burger span::before, .burger span::after{
  content:''; position:absolute; left:12px; right:12px; height:2px; border-radius:2px; background:var(--ink); transition:transform .2s, opacity .2s;
}
.burger span{ top:50%; margin-top:-1px; }
.burger span::before{ left:0; right:0; top:-7px; }
.burger span::after{ left:0; right:0; top:7px; }
.burger[aria-expanded="true"] span{ background:transparent; }
.burger[aria-expanded="true"] span::before{ transform:translateY(7px) rotate(45deg); }
.burger[aria-expanded="true"] span::after{ transform:translateY(-7px) rotate(-45deg); }
.mnav{ display:none; }

/* ---------- Hero ---------- */
.hero{ position:relative; overflow:hidden; padding:64px 0 84px; }
.hero::before{ /* тонкая сетка-миллиметровка на бумаге */
  content:''; position:absolute; inset:0; pointer-events:none; opacity:.5;
  background-image:linear-gradient(var(--line-soft) 1px, transparent 1px),
                   linear-gradient(90deg, var(--line-soft) 1px, transparent 1px);
  background-size:56px 56px;
  mask-image:radial-gradient(120% 90% at 30% 0%, #000 30%, transparent 75%);
  -webkit-mask-image:radial-gradient(120% 90% at 30% 0%, #000 30%, transparent 75%);
}
.hero-in{ position:relative; display:grid; grid-template-columns:1.05fr .95fr; gap:56px; align-items:start; }
.hero-in > *{ min-width:0; }
.hero h1{ margin-bottom:18px; }
.hero h1 .em{ color:var(--em); }
.hero .lead{ margin-bottom:26px; }
.hero-chips{ display:flex; flex-wrap:wrap; gap:10px; margin-bottom:30px; }
.chip{
  display:inline-flex; align-items:center; gap:8px; min-height:40px; padding:8px 15px;
  background:var(--card); border:1px solid var(--line); border-radius:999px;
  font:500 .86rem/1.25 var(--font-t); color:var(--ink-soft);
}
.chip svg{ width:16px; height:16px; flex:0 0 auto; }
.chip .dot{ width:8px; height:8px; border-radius:50%; background:var(--em-bright); flex:0 0 auto; }
.chip-amber .dot{ background:var(--amber); }
.hero-note{ font-size:.85rem; color:var(--muted); max-width:520px; }

/* Калькулятор */
.calc-stack{ position:relative; }
.calc-stack::before{ /* подложка-«вторая карта» */
  content:''; position:absolute; inset:18px -14px -14px 14px;
  background:var(--ink); border-radius:calc(var(--radius) + 4px); opacity:.9;
}
.calc{
  position:relative; background:var(--card); border:1px solid var(--line);
  border-radius:var(--radius); padding:26px 26px 22px; box-shadow:var(--shadow-lift);
}
.calc-head{ display:flex; flex-wrap:wrap; align-items:center; justify-content:space-between; gap:10px 12px; margin-bottom:18px; }
.calc-title{ font:500 1.02rem/1.3 var(--font-d); }
.switch{ display:inline-flex; align-items:center; gap:9px; cursor:pointer; user-select:none; }
.switch input{ position:absolute; opacity:0; width:1px; height:1px; }
.switch .tgl{
  width:46px; height:26px; border-radius:999px; background:var(--line); position:relative; transition:background .18s; flex:0 0 auto;
}
.switch .tgl::after{
  content:''; position:absolute; top:3px; left:3px; width:20px; height:20px; border-radius:50%;
  background:#fff; box-shadow:0 2px 6px rgba(18,34,46,.25); transition:transform .18s;
}
.switch input:checked + .tgl{ background:var(--em-bright); }
.switch input:checked + .tgl::after{ transform:translateX(20px); }
.switch input:focus-visible + .tgl{ outline:2px solid var(--em); outline-offset:2px; }
.switch .lbl{ font:500 .88rem/1.25 var(--font-t); color:var(--ink-soft); }
.calc-row{ margin-bottom:16px; }
.calc-row-top{ display:flex; align-items:baseline; justify-content:space-between; gap:10px; margin-bottom:6px; }
.calc-row-top label{ font:500 .88rem/1.3 var(--font-t); color:var(--muted); }
.calc-val{ font:700 1.35rem/1.2 var(--font-d); letter-spacing:-.01em; font-variant-numeric:tabular-nums; }
.calc-val small{ font:600 .8rem/1 var(--font-t); color:var(--muted); margin-left:4px; }
input[type=range]{
  -webkit-appearance:none; appearance:none; width:100%; height:34px; background:transparent; margin:0; cursor:pointer;
}
input[type=range]:focus-visible{ outline:2px solid var(--em); outline-offset:4px; border-radius:8px; }
input[type=range]::-webkit-slider-runnable-track{
  height:6px; border-radius:999px;
  background:linear-gradient(90deg, var(--em-bright) var(--fill,50%), var(--line) var(--fill,50%));
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none; width:26px; height:26px; margin-top:-10px; border-radius:50%;
  background:#fff; border:3px solid var(--ink); box-shadow:0 3px 10px rgba(18,34,46,.28);
}
input[type=range]::-moz-range-track{ height:6px; border-radius:999px; background:var(--line); }
input[type=range]::-moz-range-progress{ height:6px; border-radius:999px; background:var(--em-bright); }
input[type=range]::-moz-range-thumb{
  width:20px; height:20px; border-radius:50%; background:#fff; border:3px solid var(--ink);
  box-shadow:0 3px 10px rgba(18,34,46,.28);
}
.calc-scale{ display:flex; justify-content:space-between; font:400 .74rem/1 var(--font-t); color:var(--muted); margin-top:-4px; }
.calc-out{
  margin-top:18px; padding:16px 18px; border-radius:var(--radius-s);
  background:var(--paper); border:1px dashed var(--line);
  display:grid; grid-template-columns:1fr 1fr; gap:12px 18px;
}
.calc-cell b{ display:block; font:700 1.22rem/1.25 var(--font-d); font-variant-numeric:tabular-nums; letter-spacing:-.01em; }
.calc-cell span{ font:400 .78rem/1.3 var(--font-t); color:var(--muted); }
.calc-cell .zero{ color:var(--em); }
.calc-promo{
  display:none; margin-top:12px; padding:10px 14px; border-radius:10px;
  background:#FBF3E3; border:1px solid #EFD9AE; color:var(--amber-deep);
  font:500 .84rem/1.4 var(--font-t);
}
.calc-promo.show{ display:block; }
.calc .btn-block{ margin-top:16px; }
.calc-fine{ margin:12px 2px 0; font:400 .76rem/1.5 var(--font-t); color:var(--muted); }

/* ---------- Лента фактов ---------- */
.facts{ border-block:1px solid var(--line-soft); background:var(--card); }
.facts-in{ display:grid; grid-template-columns:repeat(4,1fr); gap:18px; padding:26px 0; }
.fact{ display:flex; gap:13px; align-items:flex-start; }
.fact svg{ width:26px; height:26px; flex:0 0 auto; color:var(--em); margin-top:2px; }
.fact b{ display:block; font:600 .97rem/1.35 var(--font-t); }
.fact span{ font:400 .84rem/1.45 var(--font-t); color:var(--muted); }

/* ---------- Продукты ---------- */
.prods{ display:grid; grid-template-columns:repeat(3,1fr); gap:22px; margin-top:38px; }
.prod{
  position:relative; background:var(--card); border:1px solid var(--line); border-radius:var(--radius);
  padding:26px 24px 24px; box-shadow:var(--shadow); display:flex; flex-direction:column;
  transition:transform .2s ease, box-shadow .2s ease;
}
.prod:hover{ transform:translateY(-5px); box-shadow:var(--shadow-lift); }
.prod::before{ content:''; position:absolute; top:0; left:22px; right:22px; height:4px; border-radius:0 0 4px 4px; background:var(--em-bright); }
.prod-zero::before{ background:var(--amber); }
.prod-ladder::before{ background:var(--ink); }
.prod-tag{
  align-self:flex-start; font:600 .72rem/1 var(--font-t); letter-spacing:.1em; text-transform:uppercase;
  color:var(--muted); background:var(--paper); border:1px solid var(--line-soft);
  border-radius:999px; padding:7px 12px; margin-bottom:16px;
}
.prod-zero .prod-tag{ color:var(--amber-deep); background:#FBF3E3; border-color:#EFD9AE; }
.prod h3{ font-size:1.3rem; margin-bottom:4px; }
.prod-big{
  font:700 clamp(1.7rem, 2.4vw, 2.1rem)/1.15 var(--font-d); letter-spacing:-.02em; margin:10px 0 2px;
  font-variant-numeric:tabular-nums;
}
.prod-big small{ font:600 .95rem/1 var(--font-t); color:var(--muted); letter-spacing:0; }
.prod-zero .prod-big{ color:var(--amber-deep); }
.prod p{ color:var(--muted); font-size:.95rem; margin:10px 0 16px; }
.prod ul{ list-style:none; margin:0 0 22px; padding:0; display:grid; gap:9px; }
.prod li{ position:relative; padding-left:26px; font-size:.93rem; }
.prod li::before{
  content:''; position:absolute; left:0; top:4px; width:16px; height:16px; border-radius:50%;
  background:var(--em-bright);
  mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M3 8.5 6.5 12 13 4.5' fill='none' stroke='%23000' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat;
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M3 8.5 6.5 12 13 4.5' fill='none' stroke='%23000' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat;
}
.prod-zero li::before{ background:var(--amber); }
.prod .btn{ margin-top:auto; }
.prods-fine{ margin-top:18px; font:400 .8rem/1.55 var(--font-t); color:var(--muted); }

/* Лестница уровней в карточке */
.ladder{ display:flex; align-items:flex-end; gap:7px; height:74px; margin:14px 0 6px; }
.ladder i{
  flex:1; border-radius:7px 7px 3px 3px; background:var(--paper-2); border:1px solid var(--line);
  position:relative;
}
.ladder i::after{
  content:attr(data-l); position:absolute; left:50%; bottom:calc(100% + 5px); transform:translateX(-50%);
  font:600 .6rem/1 var(--font-t); letter-spacing:.04em; color:var(--muted); white-space:nowrap;
}
.ladder i:nth-child(1){ height:34%; }
.ladder i:nth-child(2){ height:56%; }
.ladder i:nth-child(3){ height:76%; }
.ladder i:nth-child(4){ height:100%; background:var(--ink); border-color:var(--ink); }
.ladder i:nth-child(4)::after{ color:var(--em); }
.ladder i:nth-child(4)::before{
  content:''; position:absolute; inset:4px; border-radius:4px;
  background:repeating-linear-gradient(-45deg, transparent 0 5px, rgba(126,237,191,.28) 5px 7px);
}
.ladder-cap{ font:400 .8rem/1.45 var(--font-t); color:var(--muted); }

/* ---------- Шаги ---------- */
.steps{ display:grid; grid-template-columns:repeat(4,1fr); gap:20px; margin-top:38px; counter-reset:step; }
.step{ position:relative; background:var(--card); border:1px solid var(--line); border-radius:var(--radius); padding:24px 22px; }
.step::before{
  counter-increment:step; content:'0' counter(step);
  display:inline-block; font:700 .95rem/1 var(--font-d); color:var(--em);
  background:var(--paper); border:1px solid var(--line); border-radius:10px; padding:9px 11px; margin-bottom:15px;
}
.step b{ display:block; font:600 1.02rem/1.35 var(--font-t); margin-bottom:6px; }
.step span{ font:400 .89rem/1.5 var(--font-t); color:var(--muted); }
.step .arr{ position:absolute; top:30px; right:-13px; z-index:2; color:var(--em-bright); display:block; }
.step:last-child .arr{ display:none; }

/* ---------- Тёмная секция «честно» ---------- */
.dark{
  position:relative; background:var(--ink); color:#EDF2EE; overflow:hidden;
}
.dark::before{ /* зерно */
  content:''; position:absolute; inset:0; opacity:.055; pointer-events:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='1'/%3E%3C/svg%3E");
}
.dark::after{ /* мятное свечение */
  content:''; position:absolute; width:640px; height:640px; right:-190px; top:-260px; border-radius:50%;
  background:radial-gradient(circle, rgba(126,237,191,.14), transparent 62%); pointer-events:none;
}
.dark .kicker{ color:var(--mint); }
.dark .kicker::before,.dark .kicker::after{ border-color:var(--mint); }
.dark h2{ color:#fff; }
.dark .lead{ color:#AEBDB4; }
.honest{ position:relative; display:grid; grid-template-columns:1.1fr .9fr; gap:48px; align-items:start; margin-top:8px; }
.visually-hidden{ position:absolute; width:1px; height:1px; margin:-1px; padding:0; overflow:hidden; clip:rect(0 0 0 0); white-space:nowrap; border:0; }
.hon-table{
  width:100%; border-collapse:separate; border-spacing:0;
  border:1px solid rgba(237,242,238,.16); border-radius:var(--radius); overflow:hidden;
  background:rgba(255,255,255,.03);
}
.hon-table td{ padding:17px 22px; font:400 .95rem/1.45 var(--font-t); color:#C4D0C8; }
.hon-table td:last-child{
  text-align:right; font:700 1.05rem/1.2 var(--font-d); color:var(--mint);
  white-space:nowrap; font-variant-numeric:tabular-nums;
}
.hon-table tr + tr td{ border-top:1px solid rgba(237,242,238,.12); }
.hon-example{
  background:rgba(255,255,255,.05); border:1px dashed rgba(126,237,191,.4);
  border-radius:var(--radius); padding:24px 26px;
}
.hon-example h3{ color:#fff; font-size:1.05rem; margin-bottom:14px; }
.hon-example dl{ margin:0; display:grid; gap:10px; }
.hon-example .drow{ display:flex; justify-content:space-between; gap:14px; align-items:baseline; }
.hon-example dt{ font:400 .92rem/1.4 var(--font-t); color:#AEBDB4; }
.hon-example dd{ margin:0; font:600 1rem/1.3 var(--font-t); color:#fff; font-variant-numeric:tabular-nums; white-space:nowrap; }
.hon-example .drow-total{ border-top:1px solid rgba(237,242,238,.16); padding-top:12px; margin-top:4px; }
.hon-example .drow-total dd{ font:700 1.15rem/1.2 var(--font-d); color:var(--mint); }
.hon-fine{ margin-top:14px; font:400 .78rem/1.55 var(--font-t); color:#8FA096; }

/* ---------- Требования ---------- */
.req{ display:grid; grid-template-columns:repeat(3,1fr); gap:20px; margin-top:36px; }
.req-card{ background:var(--card); border:1px solid var(--line); border-radius:var(--radius); padding:24px 22px; }
.req-card svg{ width:30px; height:30px; color:var(--em); margin-bottom:13px; }
.req-card b{ display:block; font:600 1rem/1.35 var(--font-t); margin-bottom:6px; }
.req-card span{ font:400 .9rem/1.5 var(--font-t); color:var(--muted); }

/* ---------- FAQ ---------- */
.faq{ max-width:820px; margin:34px auto 0; display:grid; gap:12px; }
.faq details{
  background:var(--card); border:1px solid var(--line); border-radius:var(--radius-s);
  padding:0 22px; transition:box-shadow .2s;
}
.faq details[open]{ box-shadow:var(--shadow); }
.faq summary{
  list-style:none; cursor:pointer; display:flex; align-items:center; justify-content:space-between; gap:16px;
  min-height:58px; padding:15px 0; font:600 .99rem/1.4 var(--font-t);
}
.faq summary::-webkit-details-marker{ display:none; }
.faq summary::after{
  content:''; flex:0 0 auto; width:22px; height:22px; border-radius:50%;
  background:var(--paper-2);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Cpath d='M11 6v10M6 11h10' stroke='%2312222E' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
  transition:transform .2s;
}
.faq details[open] summary::after{ transform:rotate(45deg); }
.faq .faq-a{ padding:0 0 18px; font-size:.95rem; color:var(--muted); max-width:660px; }
.faq .faq-a p{ margin-bottom:.7em; }
.faq .faq-a p:last-child{ margin-bottom:0; }

/* ---------- О компании ---------- */
.about-grid{ display:grid; grid-template-columns:1.05fr .95fr; gap:44px; align-items:start; margin-top:8px; }
.lic-card{
  background:var(--card); border:1.5px solid var(--em-bright); border-radius:var(--radius);
  padding:26px; box-shadow:var(--shadow);
}
.lic-card .lic-badge{
  display:inline-flex; align-items:center; gap:9px; background:#E8F6EE; color:var(--em);
  border-radius:999px; padding:8px 14px; font:600 .8rem/1.2 var(--font-t); margin-bottom:16px;
}
.lic-card dl{ margin:0; display:grid; gap:12px; }
.lic-card .drow{ display:grid; grid-template-columns:150px 1fr; gap:12px; align-items:baseline; }
.lic-card dt{ font:400 .84rem/1.4 var(--font-t); color:var(--muted); }
.lic-card dd{ margin:0; font:500 .95rem/1.45 var(--font-t); overflow-wrap:anywhere; }
.about-note{ font-size:.85rem; color:var(--muted); margin-top:16px; }

/* ---------- Заявка / контакты ---------- */
.apply{ background:var(--paper-2); border-block:1px solid var(--line-soft); }
.apply-grid{ display:grid; grid-template-columns:1fr 1fr; gap:44px; align-items:start; }
.apply-form{
  background:var(--card); border:1px solid var(--line); border-radius:var(--radius); padding:28px; box-shadow:var(--shadow);
}
.field{ margin-bottom:16px; }
.field label{ display:block; font:500 .86rem/1.3 var(--font-t); color:var(--ink-soft); margin-bottom:7px; }
.field input{
  width:100%; min-height:52px; padding:13px 16px; border-radius:12px; border:1.5px solid var(--line);
  background:var(--paper); font:500 1rem/1.3 var(--font-t); color:var(--ink);
}
.field input:focus{ outline:2px solid var(--em-bright); outline-offset:1px; border-color:var(--em-bright); background:#fff; }
.apply-fine{ margin-top:13px; font:400 .78rem/1.5 var(--font-t); color:var(--muted); }
.contact-list{ display:grid; gap:16px; margin-top:22px; }
.contact-row{ display:flex; gap:14px; align-items:flex-start; }
.contact-row svg{ width:22px; height:22px; color:var(--em); flex:0 0 auto; margin-top:3px; }
.contact-row b{ display:block; font:600 .95rem/1.4 var(--font-t); }
.contact-row a{ font:500 1.02rem/1.4 var(--font-t); }
.contact-row span{ font:400 .84rem/1.45 var(--font-t); color:var(--muted); }

/* ---------- Футер ---------- */
.foot{ background:var(--ink); color:#B7C4BB; position:relative; overflow:hidden; }
.foot::before{
  content:''; position:absolute; inset:0; opacity:.05; pointer-events:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)'/%3E%3C/svg%3E");
}
.foot-in{ position:relative; padding:52px 0 30px; }
.foot-grid{ display:grid; grid-template-columns:1.3fr 1fr 1fr; gap:36px; margin-bottom:36px; }
.foot .logo{ color:#fff; margin-bottom:14px; }
.foot .logo-sub{ color:#8FA096; }
.foot p{ font-size:.88rem; line-height:1.6; }
.foot .foot-h{ font:600 .8rem/1 var(--font-t); letter-spacing:.12em; text-transform:uppercase; color:#8FA096; margin:0 0 14px; }
.foot ul{ list-style:none; margin:0; padding:0; display:grid; gap:10px; }
.foot a{ color:#D9E2DC; text-decoration:none; font-size:.92rem; display:inline-block; padding:2px 0; min-height:24px; }
.foot a:hover{ color:var(--mint); }
.foot-law{
  border-top:1px solid rgba(237,242,238,.14); padding-top:22px;
  font:400 .78rem/1.6 var(--font-t); color:#8FA096;
}
.foot-law p{ font-size:.78rem; margin-bottom:.8em; }
.foot-bottom{ display:flex; flex-wrap:wrap; gap:12px; justify-content:space-between; align-items:center; margin-top:18px; font:400 .8rem/1.5 var(--font-t); color:#8FA096; }

/* ---------- Sticky CTA (мобайл) ---------- */
.sticky-cta{
  position:fixed; left:0; right:0; bottom:0; z-index:55; display:none;
  padding:10px 14px calc(10px + env(safe-area-inset-bottom));
  background:rgba(246,243,236,.94); backdrop-filter:blur(10px); -webkit-backdrop-filter:blur(10px);
  border-top:1px solid var(--line); transform:translateY(110%); transition:transform .25s ease;
}
.sticky-cta.show{ transform:translateY(0); }
.sticky-cta .btn{ width:100%; }

/* ---------- Reveal-анимации ---------- */
.rv{ opacity:0; transform:translateY(16px); transition:opacity .55s ease, transform .55s ease; }
.rv.on{ opacity:1; transform:none; }
.rv-d1{ transition-delay:.08s; } .rv-d2{ transition-delay:.16s; } .rv-d3{ transition-delay:.24s; }
@media (prefers-reduced-motion:reduce){
  .rv{ opacity:1; transform:none; transition:none; }
  .btn, .prod{ transition:none; }
}

/* ---------- Страницы документов и журнала ---------- */
.doc{ max-width:820px; margin:0 auto; padding:56px 22px 80px; }
.doc h1{ font-size:clamp(1.6rem, 3vw, 2.3rem); margin-bottom:10px; }
.doc .doc-meta{ color:var(--muted); font-size:.9rem; margin-bottom:34px; }
.doc h2{ font-size:1.25rem; margin-top:2em; }
.doc h3{ font-size:1.05rem; margin-top:1.6em; }
.doc ul, .doc ol{ padding-left:22px; }
.doc li{ margin-bottom:.5em; }
.doc .backlink{ display:inline-flex; align-items:center; gap:8px; margin-bottom:28px; font:500 .92rem/1 var(--font-t); text-decoration:none; }
.doc-tldr{
  background:#E8F6EE; border:1px solid #BFE5D2; border-radius:var(--radius-s);
  padding:18px 20px; margin:0 0 30px; font:400 .95rem/1.6 var(--font-t); color:var(--ink-soft);
}
.art-meta{
  display:flex; flex-wrap:wrap; gap:8px 20px; align-items:center;
  color:var(--muted); font:400 .87rem/1.4 var(--font-t);
  margin-bottom:30px; padding-bottom:18px; border-bottom:1px solid var(--line-soft);
}
.doc .tbl-wrap{ overflow-x:auto; margin:1.2em 0; }
.doc table{ width:100%; border-collapse:collapse; font-size:.92rem; }
.doc th, .doc td{ border:1px solid var(--line); padding:10px 12px; text-align:left; vertical-align:top; }
.doc th{ background:var(--paper-2); font-weight:600; font-family:var(--font-t); }
.doc .art-note{
  font:400 .85rem/1.6 var(--font-t); color:var(--muted);
  border-left:3px solid var(--em-bright); padding:2px 0 2px 14px; margin:1.4em 0;
}
.cards{ display:grid; grid-template-columns:1fr 1fr; gap:20px; margin-top:34px; }
.card{
  display:block; background:var(--card); border:1px solid var(--line); border-radius:var(--radius);
  padding:24px; text-decoration:none; color:var(--ink);
  transition:transform .18s ease, box-shadow .18s ease;
}
.card:hover{ transform:translateY(-3px); box-shadow:var(--shadow-lift); color:var(--ink); }
.card .tag{ font:600 .7rem/1 var(--font-t); letter-spacing:.1em; text-transform:uppercase; color:var(--em); }
.card h2{ font-size:1.1rem; margin:10px 0 8px; }
.card p{ font:400 .9rem/1.55 var(--font-t); color:var(--muted); margin:0; }
.card .card-date{ display:block; margin-top:14px; font:400 .78rem/1 var(--font-t); color:var(--muted); }
@media (max-width:760px){ .cards{ grid-template-columns:1fr; } }

/* ---------- Адаптив ---------- */
@media (max-width:1024px){
  .nav{ display:none; }
  .top-phone small{ display:none; }
  .hero-in{ gap:36px; }
}
@media (max-width:900px){
  .hero{ padding:44px 0 64px; }
  .hero-in{ grid-template-columns:1fr; }
  .calc-stack{ max-width:560px; }
  .facts-in{ grid-template-columns:repeat(2,1fr); }
  .prods{ grid-template-columns:1fr; max-width:560px; margin-inline:auto; }
  .steps{ grid-template-columns:repeat(2,1fr); }
  .step .arr{ display:none; }
  .honest{ grid-template-columns:1fr; gap:28px; }
  .about-grid{ grid-template-columns:1fr; gap:28px; }
  .apply-grid{ grid-template-columns:1fr; gap:28px; }
  .foot-grid{ grid-template-columns:1fr 1fr; }
}
@media (max-width:760px){
  body{ font-size:16px; }
  .sec{ padding:56px 0; }
  .top-cta .btn{ display:none; }
  .top-phone{ display:none; }
  .top-cta{ gap:10px; }
  .top-in{ gap:14px; }
  .burger{ display:block; }
  .mnav{
    display:block; position:fixed; inset:74px 0 auto 0; z-index:59; background:var(--card);
    border-bottom:1px solid var(--line); box-shadow:0 24px 40px rgba(18,34,46,.16);
    transform:translateY(-130%); transition:transform .25s ease;
  }
  .mnav.open{ transform:none; }
  .mnav a{
    display:flex; align-items:center; min-height:52px; padding:0 24px;
    font:500 1.05rem/1 var(--font-t); color:var(--ink); text-decoration:none; border-top:1px solid var(--line-soft);
  }
  .mnav a:first-child{ border-top:0; }
  .mnav a:active{ background:var(--paper-2); }
  .sticky-cta{ display:block; }
  .steps{ grid-template-columns:1fr; }
  .req{ grid-template-columns:1fr; }
  .facts-in{ grid-template-columns:1fr 1fr; gap:14px; }
  .calc{ padding:22px 18px 18px; }
  .calc-out{ grid-template-columns:1fr 1fr; }
  .foot-grid{ grid-template-columns:1fr; gap:28px; }
  .hero-chips .chip{ font-size:.8rem; }
}
@media (max-width:420px){
  .facts-in{ grid-template-columns:1fr; }
  .calc-val{ font-size:1.18rem; }
}