:root {
  --bg: #f5f8fc;
  --bg-soft: #eef3f9;
  --text: #102033;
  --muted: #5f7084;
  --brand: #17395f;
  --brand-2: #0f2945;
  --accent: #d99b3d;
  --white: #ffffff;
  --border: rgba(16, 32, 51, 0.10);
  --shadow: 0 16px 40px rgba(19, 41, 69, 0.08);
  --radius: 24px;
  --radius-sm: 16px;
  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, Arial, Helvetica, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
p, ul { margin: 0; }
button, input, textarea, select { font: inherit; }
.container {
  width: min(var(--container), calc(100% - 32px));
  margin: 0 auto;
}
.section { padding: 88px 0; }
.section--soft { background: var(--bg); }
.section--dark { background: var(--brand-2); color: var(--white); }
.section--brand {
  background: linear-gradient(135deg, var(--brand), #224f7f);
  color: var(--white);
}

.topbar {
  background: var(--brand-2);
  color: rgba(255, 255, 255, 0.92);
  font-size: 14px;
}
.topbar__inner {
  display: flex;
  gap: 24px;
  justify-content: center;
  align-items: center;
  min-height: 42px;
  flex-wrap: wrap;
}

.header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(16, 32, 51, 0.06);
}
.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 78px;
  gap: 24px;
}
.logo img { width: 184px; height: auto; }

.nav {
  display: flex;
  gap: 22px;
  align-items: center;
  font-weight: 500;
}
.nav a:hover { color: var(--brand); }

.burger {
  display: none;
  background: none;
  border: none;
  font-size: 30px;
  color: var(--brand);
  cursor: pointer;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 28px;
  border-radius: 999px;
  background: linear-gradient(135deg, var(--accent), #f0b356);
  color: #1f1300;
  font-weight: 700;
  box-shadow: 0 14px 30px rgba(217, 155, 61, 0.26);
  transition: transform .2s ease, box-shadow .2s ease, opacity .2s ease;
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 18px 34px rgba(217, 155, 61, 0.32); }
.btn--ghost {
  background: transparent;
  color: var(--brand);
  border: 1px solid rgba(23, 57, 95, .18);
  box-shadow: none;
}
.section--brand .btn--ghost {
  border-color: rgba(255, 255, 255, .28);
  color: var(--white);
}
.btn--small {
  min-height: 44px;
  padding: 0 18px;
  font-size: 14px;
}
.btn--full { width: 100%; }

.eyebrow {
  display: inline-block;
  margin-bottom: 12px;
  padding: 8px 12px;
  border-radius: 999px;
  background: rgba(23, 57, 95, .08);
  color: var(--brand);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.section-head { text-align: center; max-width: 820px; margin: 0 auto 42px; }
.section-head--left { text-align: left; max-width: none; margin: 0 0 28px; }
.section-head--light .eyebrow { background: rgba(255, 255, 255, .14); color: var(--white); }
.section-head h2, .hero h1 {
  margin: 0 0 14px;
  line-height: 1.1;
  letter-spacing: -0.02em;
}
.hero h1 { font-size: clamp(38px, 5vw, 64px); }
.section-head h2 { font-size: clamp(28px, 3vw, 46px); }
.section-head p { color: var(--muted); }
.section--brand .section-head p { color: rgba(255, 255, 255, .84); }

.hero {
  padding: 72px 0 96px;
  background:
    radial-gradient(circle at top right, rgba(217, 155, 61, 0.18), transparent 30%),
    linear-gradient(180deg, #ffffff 0%, #f5f8fc 100%);
}
.hero__grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 36px;
  align-items: center;
}
.hero__lead {
  font-size: 18px;
  color: var(--muted);
  max-width: 720px;
}
.hero__actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 26px;
}
.hero__trust {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 24px;
}
.hero__trust span,
.request__points span {
  padding: 10px 14px;
  border-radius: 999px;
  background: var(--white);
  border: 1px solid var(--border);
  font-weight: 600;
}

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.hero__visual {
  padding: 24px;
}
.scheme {
  display: grid;
  gap: 18px;
}
.scheme__head h2 {
  margin: 8px 0 0;
  font-size: clamp(22px, 3vw, 34px);
  line-height: 1.15;
}
.scheme__tag {
  display: inline-block;
  padding: 8px 12px;
  border-radius: 999px;
  background: rgba(23, 57, 95, .08);
  color: var(--brand);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.scheme__flow {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 40px minmax(0, 1fr);
  gap: 12px;
  align-items: center;
}
.scheme__node {
  padding: 20px;
  border-radius: 20px;
  background: linear-gradient(135deg, #183f6a, #234f80);
  color: var(--white);
  min-height: 126px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.scheme__node strong {
  font-size: 24px;
  line-height: 1.1;
  margin-bottom: 10px;
}
.scheme__node span {
  font-size: 16px;
  line-height: 1.45;
  color: rgba(255, 255, 255, .88);
}
.scheme__arrow {
  display: grid;
  place-items: center;
  font-size: 38px;
  color: var(--accent);
  font-weight: 800;
}
.scheme__steps {
  display: grid;
  gap: 12px;
}
.scheme__step {
  padding: 16px 18px;
  border-radius: 18px;
  background: var(--bg);
  border: 1px solid rgba(16, 32, 51, .08);
}
.scheme__step strong {
  display: block;
  margin-bottom: 4px;
  font-size: 17px;
}
.scheme__step span {
  display: block;
  font-size: 15px;
  color: var(--muted);
  line-height: 1.5;
}

.cards {
  display: grid;
  gap: 22px;
}
.cards--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.cards--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }

.cards .card,
.info-card {
  padding: 26px;
}
.cards h3, .case-card h3, .timeline__item h3, .note-card h3, .footer h3 {
  margin: 0 0 8px;
  font-size: 22px;
}
.cards p, .case-card p, .timeline__item p, .muted, .footer__text { color: var(--muted); }

.service-card .icon {
  width: 46px;
  height: 46px;
  display: grid;
  place-items: center;
  margin-bottom: 14px;
  border-radius: 50%;
  background: rgba(23, 57, 95, .08);
  color: var(--brand);
  font-weight: 800;
}

.benefits-strip {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}
.benefit-dark {
  padding: 24px;
  border-radius: 20px;
  border: 1px solid rgba(255, 255, 255, .10);
  background: rgba(255, 255, 255, .04);
}
.benefit-dark strong {
  display: block;
  margin-bottom: 10px;
  font-size: 20px;
  line-height: 1.15;
}
.benefit-dark span {
  display: block;
  color: rgba(255, 255, 255, .82);
  line-height: 1.55;
}

.timeline {
  display: grid;
  gap: 18px;
}
.timeline__item {
  display: grid;
  grid-template-columns: 72px 1fr;
  gap: 18px;
  align-items: start;
  padding: 22px;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--white);
}
.timeline__item span {
  width: 54px;
  height: 54px;
  display: grid;
  place-items: center;
  border-radius: 16px;
  background: var(--brand);
  color: var(--white);
  font-size: 20px;
  font-weight: 800;
}

.two-col {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 28px;
  align-items: start;
}
.checks { display: grid; gap: 14px; }
.check {
  padding: 18px 20px 18px 54px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow);
  position: relative;
}
.check::before {
  content: "✓";
  position: absolute;
  top: 16px;
  left: 18px;
  width: 24px;
  height: 24px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: rgba(23, 57, 95, .10);
  color: var(--brand);
  font-weight: 800;
}
.note-card { padding: 28px; }

.info-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: stretch;
}
.list {
  padding-left: 20px;
  display: grid;
  gap: 12px;
}
.mini-points {
  display: grid;
  gap: 14px;
}
.mini-point {
  padding: 18px 20px;
  border-radius: 18px;
  background: var(--bg);
  border: 1px solid rgba(16, 32, 51, .08);
}
.mini-point strong {
  display: block;
  margin-bottom: 4px;
  font-size: 17px;
}
.mini-point span {
  display: block;
  color: var(--muted);
}

.case-card__tag {
  display: inline-block;
  margin-bottom: 12px;
  padding: 7px 12px;
  border-radius: 999px;
  background: rgba(217, 155, 61, .14);
  color: #74470a;
  font-size: 13px;
  font-weight: 700;
}

.request {
  display: grid;
  grid-template-columns: 1fr .95fr;
  gap: 32px;
  align-items: center;
}
.request__points {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}
.request__points span {
  background: rgba(255, 255, 255, .12);
  border-color: rgba(255, 255, 255, .18);
}

.form {
  padding: 28px;
  color: var(--text);
}
.form label { display: grid; gap: 8px; margin-bottom: 14px; }
.form span { font-size: 14px; font-weight: 600; }
.form input,
.form textarea,
.form select {
  width: 100%;
  min-height: 52px;
  padding: 14px 16px;
  border: 1px solid rgba(16, 32, 51, .14);
  border-radius: 14px;
  background: #fff;
  outline: none;
}
.form textarea { min-height: 120px; resize: vertical; }
.form input:focus,
.form textarea:focus,
.form select:focus {
  border-color: rgba(23, 57, 95, .42);
  box-shadow: 0 0 0 4px rgba(23, 57, 95, .08);
}
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.consent {
  grid-template-columns: 20px 1fr;
  align-items: start;
}
.consent input { min-height: auto; margin-top: 4px; }
.form__note {
  margin-top: 14px;
  color: var(--muted);
  text-align: center;
}
.form__note a { color: var(--brand); font-weight: 700; }
.hp { position: absolute; left: -9999px; opacity: 0; pointer-events: none; }

.faq { display: grid; gap: 14px; max-width: 980px; margin: 0 auto; }
.faq__item {
  padding: 22px 24px;
  border: 1px solid var(--border);
  border-radius: 18px;
  background: var(--white);
}
.faq__item summary {
  cursor: pointer;
  list-style: none;
  font-weight: 700;
  padding-right: 28px;
  position: relative;
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary::after {
  content: "+";
  position: absolute;
  right: 0;
  top: 0;
  font-size: 26px;
  line-height: 1;
  color: var(--brand);
}
.faq__item[open] summary::after { content: "–"; }
.faq__item p { margin-top: 12px; color: var(--muted); }

.footer {
  background: var(--brand-2);
  color: rgba(255, 255, 255, .86);
  padding: 56px 0 24px;
}
.footer__grid {
  display: grid;
  grid-template-columns: 1.3fr .9fr .9fr;
  gap: 28px;
}
.logo--footer img { width: 184px; }
.footer__list {
  display: grid;
  gap: 10px;
  padding: 0;
  list-style: none;
}
.footer__list--small { font-size: 15px; }
.footer__bottom {
  margin-top: 28px;
  padding-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, .12);
  display: flex;
  justify-content: space-between;
  gap: 14px;
  flex-wrap: wrap;
  font-size: 14px;
}

.policy { background: var(--bg); }
.policy .container { max-width: 920px; }
.policy article { padding: 32px; }
.policy h1, .policy h2 {
  line-height: 1.15;
  margin: 0 0 16px;
}
.policy h1 { font-size: clamp(30px, 4vw, 48px); }
.policy h2 { font-size: 24px; margin-top: 28px; }
.policy p, .policy li { color: var(--muted); }
.policy ul { padding-left: 20px; display: grid; gap: 8px; }
.back-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 18px;
  color: var(--brand);
  font-weight: 700;
}
.notice {
  padding: 16px 18px;
  border-radius: 16px;
  background: rgba(217, 155, 61, .12);
  color: #5d3e0b;
  margin: 20px 0;
}

@media (max-width: 1120px) {
  .hero__grid,
  .two-col,
  .request,
  .footer__grid,
  .cards--3,
  .benefits-strip,
  .info-grid {
    grid-template-columns: 1fr 1fr;
  }
  .cards--2 { grid-template-columns: 1fr; }
  .scheme__flow { grid-template-columns: 1fr; }
  .scheme__arrow {
    transform: rotate(90deg);
    margin: -6px 0;
  }
}
@media (max-width: 860px) {
  .section { padding: 72px 0; }
  .burger { display: block; }
  .nav {
    position: absolute;
    top: 78px;
    left: 16px;
    right: 16px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    background: var(--white);
    border-radius: 18px;
    border: 1px solid var(--border);
    box-shadow: var(--shadow);
    padding: 18px;
  }
  .nav.is-open { display: flex; }
  .hero__grid,
  .two-col,
  .request,
  .footer__grid,
  .cards--3,
  .benefits-strip,
  .info-grid {
    grid-template-columns: 1fr;
  }
  .topbar__inner { justify-content: flex-start; padding: 8px 0; }
  .hero { padding-top: 48px; }
  .hero__actions, .hero__trust, .request__points { gap: 10px; }
  .form__row { grid-template-columns: 1fr; }
  .timeline__item { grid-template-columns: 58px 1fr; }
}
@media (max-width: 560px) {
  .container { width: min(var(--container), calc(100% - 24px)); }
  .btn, .btn--ghost { width: 100%; }
  .hero__lead { font-size: 17px; }
  .cards .card, .note-card, .form, .info-card, .hero__visual { padding: 22px; }
  .timeline__item, .faq__item { padding: 18px; }
  .scheme__node { min-height: auto; }
  .scheme__node strong { font-size: 21px; }
  .scheme__node span,
  .scheme__step span { font-size: 15px; }
}

.consent__hint { margin: -4px 0 4px; font-size: 14px; color: var(--muted); }
.footer__bottom a { white-space: nowrap; }


.cookie-banner {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 16px;
  z-index: 60;
  padding: 0 16px;
}
.cookie-banner__inner {
  background: rgba(14, 23, 45, 0.96);
  color: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(255, 255, 255, 0.10);
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.25);
  border-radius: 22px;
  padding: 18px 22px;
  display: grid;
  grid-template-columns: 1.5fr auto;
  gap: 18px;
  align-items: center;
}
.cookie-banner__text strong {
  display: block;
  font-size: 18px;
  margin-bottom: 6px;
}
.cookie-banner__text p {
  margin: 0;
  color: rgba(255, 255, 255, 0.82);
}
.cookie-banner__text a { color: #fff; text-decoration: underline; }
.cookie-banner__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: flex-end;
}
@media (max-width: 860px) {
  .cookie-banner__inner {
    grid-template-columns: 1fr;
    padding: 18px;
  }
  .cookie-banner__actions {
    justify-content: stretch;
  }
}
@media (max-width: 560px) {
  .cookie-banner {
    bottom: 12px;
    padding: 0 12px;
  }
  .cookie-banner__actions .btn,
  .cookie-banner__actions .btn--ghost {
    width: 100%;
  }
}