/* =========================================================
   Умный Займ — design tokens
   ========================================================= */
:root{
  --paper:      #F5F7FB;
  --surface:    #FFFFFF;
  --ink:        #12203D;
  --ink-soft:   #536077;
  --ink-faint:  #8A93A6;
  --accent:     #0F9D77;
  --accent-dark:#0B7D5F;
  --accent-soft:#E4F7EF;
  --warn:       #C97A1E;
  --warn-soft:  #FBEEDD;
  --line:       #E3E7F0;
  --line-strong:#CBD2E1;
  --radius-s: 10px;
  --radius-m: 16px;
  --radius-l: 26px;
  --shadow-card: 0 1px 2px rgba(18,32,61,.04), 0 10px 30px -12px rgba(18,32,61,.12);
  --shadow-pop:  0 20px 45px -18px rgba(18,32,61,.28);
  --font-display: 'Unbounded', system-ui, sans-serif;
  --font-body: 'Golos Text', 'Segoe UI', system-ui, sans-serif;
  --font-mono: 'JetBrains Mono', ui-monospace, monospace;
  --wrap: 1180px;
}

*,*::before,*::after{ box-sizing: border-box; }
html{ scroll-behavior:smooth; scroll-padding-top: 90px; }
body{
  margin:0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.62;
  -webkit-font-smoothing: antialiased;
}
img{ max-width:100%; display:block; }
a{ color: inherit; text-decoration: none; }
ul,ol{ padding-left: 1.2em; }
h1,h2,h3,h4{ font-family: var(--font-display); font-weight:700; line-height:1.18; margin:0 0 .5em; color: var(--ink); letter-spacing: -0.01em; }
p{ margin: 0 0 1em; color: var(--ink-soft); }
.wrap{ max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.skip-link{ position:absolute; left:-999px; top:0; background:var(--ink); color:#fff; padding:10px 16px; border-radius:0 0 8px 0; z-index:999; }
.skip-link:focus{ left:0; }
:focus-visible{ outline: 3px solid var(--accent); outline-offset: 2px; }
@media (prefers-reduced-motion: reduce){ *{ animation-duration:.001ms !important; transition-duration:.001ms !important; scroll-behavior:auto !important; } }

/* =========================================================
   Buttons & badges
   ========================================================= */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  font-family: var(--font-body); font-weight:700; font-size:16px;
  padding: 14px 26px; border-radius: 100px; border:0; cursor:pointer;
  transition: transform .15s ease, box-shadow .15s ease, background-color .15s ease;
}
.btn--primary{ background: var(--accent); color:#fff; box-shadow: 0 10px 24px -10px rgba(15,157,119,.55); }
.btn--primary:hover{ background: var(--accent-dark); transform: translateY(-1px); }
.btn--ghost{ background: var(--surface); color: var(--ink); border:1px solid var(--line-strong); }
.btn--ghost:hover{ border-color: var(--accent); color: var(--accent-dark); }
.btn--sm{ padding: 10px 20px; font-size:14px; }
.btn--block{ display:flex; width:100%; }

.badge-approval{ font-family: var(--font-mono); font-size:12px; font-weight:600; padding:6px 12px; border-radius: 100px; white-space:nowrap; }
.badge-approval--high{ background: var(--accent-soft); color: var(--accent-dark); }
.badge-approval--medium{ background: var(--warn-soft); color: var(--warn); }

/* =========================================================
   Header
   ========================================================= */
.site-header{ position: sticky; top:0; z-index: 60; background: rgba(245,247,251,.86); backdrop-filter: blur(10px); border-bottom:1px solid var(--line); }
.site-header__row{ display:flex; align-items:center; gap:28px; height:78px; }
.brand__logo{ height:34px; width:auto; }
.main-nav{ display:flex; gap:26px; margin-left:8px; flex:1; }
.main-nav a{ font-size:15px; font-weight:600; color: var(--ink-soft); padding: 8px 0; position:relative; }
.main-nav a:hover{ color: var(--ink); }
.header-cta{ display:inline-flex; }
.burger{ display:none; width:42px; height:42px; border-radius:50%; border:1px solid var(--line-strong); background:var(--surface); align-items:center; justify-content:center; flex-direction:column; gap:4px; }
.burger span{ width:18px; height:2px; background: var(--ink); border-radius:2px; }
.mobile-nav{ display:none; flex-direction:column; gap:2px; padding: 10px 24px 18px; }
.mobile-nav:not([hidden]){ display:flex; }
.mobile-nav a{ padding:12px 0; font-weight:600; border-bottom:1px solid var(--line); }

@media (max-width: 860px){
  .main-nav{ display:none; }
  .header-cta{ display:none; }
  .burger{ display:flex; }
}

/* =========================================================
   Sections generic
   ========================================================= */
section{ padding: 88px 0; }
.section-eyebrow{ font-family: var(--font-mono); font-size:13px; font-weight:600; letter-spacing:.08em; text-transform:uppercase; color: var(--accent-dark); margin-bottom:14px; display:flex; align-items:center; gap:10px; }
.section-eyebrow::before{ content:""; width:22px; height:2px; background: var(--accent); display:inline-block; border-radius:2px; }
.section-head{ max-width: 680px; margin-bottom: 44px; }
.section-head h2{ font-size: clamp(28px,3.4vw,38px); }
.section-head p{ font-size:17px; }

/* divider shaped like an instrument dial arc, used between major sections */
.dial-divider{ display:flex; justify-content:center; padding: 0 0 0; margin-top:-1px; }
.dial-divider svg{ display:block; }

/* =========================================================
   Hero
   ========================================================= */
.hero{ padding-top: 60px; padding-bottom: 40px; overflow: hidden; }
.hero__grid{ display:grid; grid-template-columns: 1.05fr .95fr; gap:56px; align-items:center; }
.hero__eyebrow{ font-family: var(--font-mono); font-size:13px; font-weight:600; color: var(--accent-dark); background: var(--accent-soft); display:inline-flex; padding:8px 16px; border-radius:100px; margin-bottom:22px; letter-spacing:.04em; }
.hero h1{ font-size: clamp(34px, 4.6vw, 54px); margin-bottom:20px; }
.hero h1 em{ font-style:normal; color: var(--accent-dark); }
.hero__lead{ font-size:18px; max-width: 480px; margin-bottom:30px; }
.hero__actions{ display:flex; gap:14px; flex-wrap:wrap; margin-bottom:34px; }
.hero__trust{ display:flex; gap:26px; flex-wrap:wrap; }
.hero__trust div{ font-family:var(--font-mono); }
.hero__trust strong{ display:block; font-size:22px; color:var(--ink); }
.hero__trust span{ font-size:13px; color: var(--ink-faint); }

/* Calculator card (signature instrument-panel element) */
.calc-card{
  background: var(--surface); border-radius: var(--radius-l); padding: 34px 30px 30px;
  box-shadow: var(--shadow-pop); border: 1px solid var(--line);
  position:relative;
}
.calc-card__label{ display:flex; justify-content:space-between; align-items:baseline; font-size:13px; color:var(--ink-faint); font-weight:600; margin-bottom:6px; text-transform:uppercase; letter-spacing:.04em; }
.calc-card__value{ font-family: var(--font-mono); font-size:38px; font-weight:600; color: var(--ink); margin-bottom:14px; }
.calc-card__value span{ font-size:18px; color: var(--ink-faint); font-weight:500; margin-left:4px; }
.calc-card input[type="range"]{
  -webkit-appearance:none; appearance:none; width:100%; height:6px; border-radius: 4px;
  background: linear-gradient(to right, var(--accent) 0%, var(--accent) var(--fill,50%), var(--line) var(--fill,50%), var(--line) 100%);
  margin-bottom: 26px;
}
.calc-card input[type="range"]::-webkit-slider-thumb{ -webkit-appearance:none; width:24px; height:24px; border-radius:50%; background: var(--surface); border:4px solid var(--accent); box-shadow: 0 4px 10px rgba(18,32,61,.25); cursor:pointer; }
.calc-card input[type="range"]::-moz-range-thumb{ width:16px; height:16px; border-radius:50%; background: var(--surface); border:4px solid var(--accent); cursor:pointer; }
.calc-card__terms{ display:flex; gap:8px; flex-wrap:wrap; margin-bottom:22px; }
.calc-card__terms button{
  font-family: var(--font-mono); font-size:13px; font-weight:600; padding:9px 14px; border-radius:100px;
  border:1px solid var(--line-strong); background: var(--surface); color: var(--ink-soft); cursor:pointer;
}
.calc-card__terms button.is-active{ background: var(--ink); border-color: var(--ink); color:#fff; }
.calc-card__gauge{ display:flex; align-items:center; gap:16px; background: var(--paper); border-radius: var(--radius-m); padding:16px 18px; margin-bottom:22px; }
.calc-card__gauge svg{ flex-shrink:0; }
.calc-card__gauge-text strong{ display:block; font-size:15px; }
.calc-card__gauge-text span{ font-size:13px; color: var(--ink-faint); }

/* =========================================================
   Подборка (offer showcase)
   ========================================================= */
.podborka{ background: var(--surface); border-top:1px solid var(--line); border-bottom:1px solid var(--line); }
.offer-grid{ display:grid; grid-template-columns: repeat(3, 1fr); gap:20px; }
.offer-card{
  position:relative; overflow:hidden;
  background: var(--paper); border:1px solid var(--line); border-radius: var(--radius-m);
  padding: 22px 20px 20px; display:flex; flex-direction:column; gap:14px;
  transition: transform .16s ease, box-shadow .16s ease, border-color .16s ease;
}
.offer-card:hover{ transform: translateY(-3px); box-shadow: var(--shadow-card); border-color: var(--line-strong); }
.offer-card__promo{
  margin: -22px -20px 0;
  padding: 10px 20px;
  background: var(--accent); color:#fff;
  font-size:12.5px; font-weight:700; letter-spacing:.01em; text-align:center;
  border-radius: var(--radius-m) var(--radius-m) 0 0;
}
.offer-card__top{ display:flex; align-items:center; justify-content:space-between; gap:10px; }
.offer-card__logo{ height:42px; width:auto; max-width:150px; object-fit:contain; object-position:left center; }
.offer-card__params{ display:grid; grid-template-columns: repeat(3, 1fr); gap:10px 12px; margin:0; }
.offer-card__param dt{ font-size:12px; color: var(--ink-faint); margin-bottom:2px; }
.offer-card__param dd{ margin:0; font-family: var(--font-mono); font-size:14px; font-weight:600; color: var(--ink); }

@media (max-width: 460px){ .offer-card__params{ grid-template-columns: 1fr 1fr; } }

@media (max-width: 980px){ .offer-grid{ grid-template-columns: repeat(2,1fr); } }
@media (max-width: 620px){ .offer-grid{ grid-template-columns: 1fr; } }

/* =========================================================
   Content blocks
   ========================================================= */
.content-block{ display:grid; grid-template-columns: 300px 1fr; gap:56px; }
.content-block + .content-block{ margin-top:64px; }
.content-block__aside h3{ font-size:22px; }
.content-block__num{ font-family: var(--font-mono); color: var(--accent); font-size:14px; font-weight:700; margin-bottom:10px; display:block; }
.content-block__body h4{ font-size:18px; margin-top:1.4em; }
.content-block__body p{ font-size:16px; }
.content-block__body ul{ color: var(--ink-soft); margin:0 0 1em; }
.content-block__body li{ margin-bottom:6px; }
.content-block__body ul, .content-block__body ol{ list-style:none; padding-left:0; }
.content-block__body ul li, .content-block__body ol li{ position:relative; padding-left:26px; }
.content-block__body ul li::before{ content:""; position:absolute; left:0; top:9px; width:8px; height:8px; border-radius:2px; background: var(--accent-soft); border:2px solid var(--accent); }
.content-block__body ol{ counter-reset: step; }
.content-block__body ol li::before{ counter-increment: step; content: counter(step); position:absolute; left:0; top:0; width:20px; height:20px; border-radius:6px; background: var(--ink); color:#fff; font-family:var(--font-mono); font-size:11px; font-weight:700; display:flex; align-items:center; justify-content:center; }

.info-table{ width:100%; border-collapse: collapse; margin: 1.4em 0; font-size:15px; }
.info-table th,.info-table td{ text-align:left; padding:12px 14px; border-bottom:1px solid var(--line); }
.info-table th{ font-family: var(--font-mono); font-size:12px; text-transform:uppercase; letter-spacing:.03em; color: var(--ink-faint); font-weight:600; }
.info-table tr:last-child td{ border-bottom:0; }

@media (max-width: 860px){ .content-block{ grid-template-columns: 1fr; gap:16px; } }

/* =========================================================
   Advantage cards / grid
   ========================================================= */
.adv-grid{ display:grid; grid-template-columns: repeat(4,1fr); gap:18px; }
.adv-card{ background: var(--surface); border:1px solid var(--line); border-radius: var(--radius-m); padding:24px 20px; }
.adv-card__icon{ width:44px; height:44px; border-radius: 12px; background: var(--accent-soft); display:flex; align-items:center; justify-content:center; margin-bottom:16px; }
.adv-card h3{ font-size:17px; margin-bottom:8px; }
.adv-card p{ font-size:14.5px; margin:0; }
@media (max-width: 980px){ .adv-grid{ grid-template-columns: repeat(2,1fr); } }
@media (max-width: 560px){ .adv-grid{ grid-template-columns: 1fr; } }

/* =========================================================
   FAQ
   ========================================================= */
.faq{ background: var(--surface); border-top:1px solid var(--line); }
.faq-list{ max-width: 820px; }
.faq-item{ border-bottom:1px solid var(--line); }
.faq-item summary{
  list-style:none; cursor:pointer; padding: 22px 0; font-family: var(--font-display); font-weight:600; font-size:17px;
  display:flex; justify-content:space-between; align-items:center; gap:16px;
}
.faq-item summary::-webkit-details-marker{ display:none; }
.faq-item summary::after{ content:"+"; font-family: var(--font-mono); font-size:22px; color: var(--accent); flex-shrink:0; transition: transform .18s ease; }
.faq-item[open] summary::after{ transform: rotate(45deg); }
.faq-item p{ padding-bottom:22px; margin:0; max-width:700px; }

/* =========================================================
   Cabinet page (lk.php)
   ========================================================= */
.cabinet-hero{ padding-top:56px; }
.cabinet-card{ background: var(--surface); border:1px solid var(--line); border-radius: var(--radius-l); padding:40px; box-shadow: var(--shadow-card); max-width:480px; }
.cabinet-card h2{ font-size:26px; }
.cabinet-card__actions{ display:flex; flex-direction:column; gap:12px; margin-top:26px; }
.cabinet-benefits{ display:grid; gap:16px; }
.cabinet-benefit{ display:flex; gap:14px; align-items:flex-start; }
.cabinet-benefit__dot{ width:34px; height:34px; border-radius:10px; background: var(--accent-soft); flex-shrink:0; display:flex; align-items:center; justify-content:center; color: var(--accent-dark); font-family:var(--font-mono); font-weight:700; }
.cabinet-benefit h4{ margin:0 0 4px; font-size:16px; }
.cabinet-benefit p{ margin:0; font-size:14.5px; }

/* =========================================================
   404 page
   ========================================================= */
.error-page{ min-height: 62vh; display:flex; align-items:center; }
.error-page__code{ font-family: var(--font-mono); font-size: clamp(70px,14vw,150px); font-weight:700; color: var(--accent-soft); line-height:.9; -webkit-text-stroke: 2px var(--accent); }
.error-page h1{ font-size: clamp(24px,3vw,32px); margin-top:14px; }

/* =========================================================
   Footer
   ========================================================= */
.site-footer{ background: var(--ink); color: #C9D2E2; padding: 64px 0 0; }
.site-footer__grid{ display:grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap:40px; padding-bottom:44px; border-bottom:1px solid rgba(255,255,255,.1); }
.site-footer__brand p{ color:#8C9AB5; font-size:14.5px; margin-top:14px; max-width:280px; }
.site-footer__col h2{ font-family: var(--font-mono); font-size:12px; text-transform:uppercase; letter-spacing:.06em; color:#8C9AB5; margin-bottom:16px; font-weight:600; }
.site-footer__col a{ display:block; color:#C9D2E2; font-size:14.5px; padding:6px 0; }
.site-footer__col a:hover{ color:#fff; }
.site-footer__col .muted{ color:#8C9AB5; font-size:14px; }
.site-footer__legal{ padding:26px 0 34px; }
.site-footer__legal p{ color:#7E8AA3; font-size:12.5px; line-height:1.7; margin:0; }
@media (max-width: 860px){ .site-footer__grid{ grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px){ .site-footer__grid{ grid-template-columns: 1fr; } }

/* =========================================================
   Responsive: hero stack
   ========================================================= */
@media (max-width: 980px){
  .hero__grid{ grid-template-columns: 1fr; }
  section{ padding: 60px 0; }
}