/* ============================================
   Залог Monetix — Premium Fintech Design 2026
   Dark hero · Bento grid · Glassmorphism
   Inter font · Mono numbers · Mobile-first
   ============================================ */

@import url('fonts.css');

:root {
  /* Colors */
  --bg-dark: #0A0E1A;
  --bg-dark-2: #0F1424;
  --bg-dark-3: #141B30;
  --bg-dark-4: #1A2238;
  --bg-glass: rgba(20, 27, 48, 0.6);
  --bg-glass-light: rgba(255, 255, 255, 0.04);
  --bg-white: #FFFFFF;
  --bg-light: #F8FAFC;
  --bg-light-2: #F1F5F9;

  --text-dark: #0F172A;
  --text-gray: #64748B;
  --text-light: #94A3B8;
  --text-white: #FFFFFF;
  --text-white-90: rgba(255,255,255,0.9);
  --text-white-70: rgba(255,255,255,0.7);
  --text-white-50: rgba(255,255,255,0.5);
  --text-white-30: rgba(255,255,255,0.3);

  --accent: #0B8A5F;
  --accent-dark: #076B49;
  --accent-light: #7FE3B8;
  --accent-glow: rgba(11,138,95,0.15);
  --accent-glow-strong: rgba(11,138,95,0.25);

  --blue: #3B82F6;
  --purple: #8B5CF6;
  --warning: #F59E0B;
  --danger: #EF4444;

  --border-dark: rgba(255,255,255,0.08);
  --border-light: #E2E8F0;

  /* Typography */
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-heading: 'Manrope', 'Inter', -apple-system, sans-serif;
  --font-mono: 'Space Grotesk', 'SF Mono', 'Fira Code', monospace;

  /* Shadows */
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.04);
  --shadow: 0 4px 6px -1px rgba(0,0,0,0.07), 0 2px 4px -1px rgba(0,0,0,0.04);
  --shadow-md: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -2px rgba(0,0,0,0.04);
  --shadow-lg: 0 20px 40px -5px rgba(0,0,0,0.1), 0 10px 15px -3px rgba(0,0,0,0.04);
  --shadow-xl: 0 25px 50px -12px rgba(0,0,0,0.25);
  --shadow-glow: 0 0 40px rgba(11,138,95,0.12);
  --shadow-dark: 0 8px 32px rgba(0,0,0,0.4);

  /* Radius */
  --radius-sm: 10px;
  --radius: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-2xl: 36px;
  --max-width: 1280px;

  /* Transitions */
  --t: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --t-fast: all 0.15s cubic-bezier(0.4, 0, 0.2, 1);
  --t-slow: all 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html { scroll-behavior: smooth; }

/* Skip-link + focus-visible */
.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 10000;
  background: var(--accent);
  color: white;
  padding: 8px 16px;
  border-radius: 4px;
  font-weight: 600;
  text-decoration: none;
}
.skip-link:focus {
  left: 8px;
  top: 8px;
}
:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
  border-radius: 4px;
}

body {
  font-family: var(--font);
  color: var(--text-dark);
  background: var(--bg-light);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }

a { color: inherit; text-decoration: none; transition: var(--t); }
a:hover { color: var(--accent); }

/* Monospace numbers — Space Grotesk for all numeric display */
.mono, .stat-value, .calc-result .amount, .hero-calc-result .amount,
.calc-result .detail-item .value,
.product-card .rate, .investors-card .big-rate, .trust-stat .trust-value,
.bento-feature .bento-value, .deal-card .deal-amount, .deal-card .deal-payment,
.review-rating, .yield-rate, .big-rate {
  font-family: var(--font-mono);
  font-variant-numeric: tabular-nums;
}

/* ============================================
   HEADER — Dark glassmorphism
   ============================================ */
.header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(10,14,26,0.72);
  backdrop-filter: blur(24px) saturate(180%);
  -webkit-backdrop-filter: blur(24px) saturate(180%);
  border-bottom: 1px solid var(--border-dark);
  transition: var(--t);
}
.header.scrolled {
  background: rgba(10,14,26,0.92);
  box-shadow: var(--shadow-dark);
}
.header .container {
  display: flex; align-items: center; justify-content: space-between;
  height: 68px;
}
.logo {
  font-family: var(--font-heading);
  font-size: 1.35rem; font-weight: 800; color: var(--text-white);
  letter-spacing: -0.03em;
  display: flex; align-items: center; gap: 11px;
  margin-right: 48px;
}
.logo-icon {
  width: 50px; height: 50px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; font-weight: 800; color: white;
  flex-shrink: 0;
  transition: var(--t);
  position: relative;
}
.logo-icon svg {
  width: 50px; height: 50px;
  display: block;
  filter: drop-shadow(0 4px 12px rgba(11,138,95,0.35));
}
.logo:hover .logo-icon {
  transform: scale(1.08) rotate(-3deg);
  filter: drop-shadow(0 6px 20px rgba(11,138,95,0.5));
}

/* BYN symbol — inline SVG for Belarusian Ruble sign */
.byn {
  display: inline-block;
  height: 0.85em;
  width: 0.85em;
  vertical-align: baseline;
  fill: currentColor;
  position: relative;
  top: 0.05em;
}

.nav { display: flex; align-items: center; gap: 32px; }
.nav a {
  color: var(--text-white-70); font-size: 0.9rem; font-weight: 500;
  transition: var(--t); position: relative;
}
.nav a:not(.btn-cta)::after {
  content: ''; position: absolute; bottom: -4px; left: 0;
  width: 0; height: 2px; background: var(--accent);
  transition: var(--t); border-radius: 2px;
}
.nav a:not(.btn-cta):hover { color: var(--text-white); }
.nav a:not(.btn-cta):hover::after { width: 100%; }

.btn-cta {
  background: linear-gradient(115deg, #052A1F 0%, #075E43 32%, #0B8A5F 55%, #18B783 70%, #06402E 100%);
  background-size: 220% 220%;
  background-position: 0% 50%;
  color: var(--text-white) !important;
  padding: 10px 24px; border-radius: var(--radius-sm);
  font-weight: 600; font-size: 0.9rem;
  border: 1px solid rgba(127,227,184,0.34);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.24),
    inset 0 -8px 16px rgba(0,0,0,0.26),
    0 4px 16px rgba(7,107,73,0.38);
  transition: var(--t);
  position: relative;
  overflow: hidden;
}
.btn-cta::after {
  content: ''; position: absolute; top: -40%; bottom: -40%; left: -30%;
  width: 32%; border-radius: 0;
  background: linear-gradient(90deg, rgba(255,255,255,0) 0%, rgba(255,255,255,0.26) 48%, rgba(255,255,255,0) 100%);
  transform: translateX(-170%) skewX(-18deg);
  opacity: 0.45;
  transition: transform 0.8s ease, opacity 0.3s ease;
  pointer-events: none;
}
.btn-cta:hover {
  background-position: 100% 50%;
  color: var(--text-white) !important;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.30),
    inset 0 -8px 16px rgba(0,0,0,0.28),
    0 8px 24px rgba(7,107,73,0.48);
  transform: translateY(-2px);
}
.btn-cta:hover::after { transform: translateX(340%) skewX(-18deg); }

.btn-login {
  display: flex; align-items: center; justify-content: center;
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--bg-dark-3);
  border: 2.5px dashed var(--accent);
  transition: var(--t);
  position: relative;
}
.btn-login svg { width: 18px; height: 18px; stroke: var(--accent-light); }
.btn-login:hover {
  background: var(--accent-glow);
  border-color: var(--accent-light);
  transform: translateY(-1px) scale(1.05);
  box-shadow: 0 0 12px rgba(11,138,95,0.3);
}
.btn-login:hover svg { stroke: var(--accent-light); }

.nav-toggle {
  display: none; background: none; border: none; cursor: pointer; padding: 8px;
}
.nav-toggle svg { width: 24px; height: 24px; stroke: var(--text-white); }

/* ============================================
   HERO — Dark premium with animated gradient
   Calculator in first screen
   ============================================ */
.hero {
  background: var(--bg-dark);
  padding: 100px 0 40px;
  position: relative;
  overflow: hidden;
  min-height: auto;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.hero::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; bottom: 0;
  background:
    radial-gradient(ellipse 800px 500px at 75% 20%, rgba(11,138,95,0.12) 0%, transparent 70%),
    radial-gradient(ellipse 600px 400px at 20% 80%, rgba(59,130,246,0.08) 0%, transparent 70%);
  pointer-events: none;
  animation: heroGlow 8s ease-in-out infinite alternate;
}
@keyframes heroGlow {
  0% { transform: scale(1) translateY(0); }
  100% { transform: scale(1.1) translateY(-20px); }
}
.hero::after {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; bottom: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(ellipse 80% 60% at 50% 40%, black 0%, transparent 100%);
  -webkit-mask-image: radial-gradient(ellipse 80% 60% at 50% 40%, black 0%, transparent 100%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; padding-top: 40px; }

.hero-inner {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 48px;
  align-items: start;
  min-height: auto;
}

.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(11,138,95,0.08);
  border: 1px solid rgba(11,138,95,0.25);
  color: var(--accent-light);
  padding: 8px 18px; border-radius: 100px;
  font-size: 0.85rem; font-weight: 500;
  margin-bottom: 28px;
  backdrop-filter: blur(10px);
  animation: badgePulse 3s ease-in-out infinite;
}
@keyframes badgePulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(11,138,95,0.1); }
  50% { box-shadow: 0 0 0 8px rgba(11,138,95,0); }
}
.hero-badge svg { width: 16px; height: 16px; }

.hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 5vw, 3.5rem); font-weight: 800; color: var(--text-white);
  letter-spacing: -0.035em; line-height: 1.05;
  margin-bottom: 20px;
}
.hero h1 .highlight {
  background: linear-gradient(135deg, #7FE3B8 0%, #0B8A5F 40%, #076B49 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
  background-size: 200% auto;
  animation: gradientShift 4s ease-in-out infinite;
}
@keyframes gradientShift {
  0%, 100% { background-position: 0% center; }
  50% { background-position: 100% center; }
}
.hero-left p {
  font-size: clamp(0.95rem, 1.8vw, 1.1rem); color: var(--text-white-70);
  margin-bottom: 28px; max-width: 480px; line-height: 1.5;
}
.hero-buttons { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 24px; }

.hero-trust {
  display: flex; gap: 10px; flex-wrap: wrap;
}
.hero-trust-item {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--bg-glass);
  border: 1px solid var(--border-dark);
  border-radius: 100px;
  padding: 7px 14px;
  font-size: 0.8rem; color: var(--text-white-70);
  backdrop-filter: blur(10px);
  transition: var(--t);
}
.hero-trust-item:hover {
  border-color: rgba(11,138,95,0.3);
  background: rgba(11,138,95,0.06);
  transform: translateY(-1px);
}
.hero-trust-item svg { width: 14px; height: 14px; stroke: var(--accent); flex-shrink: 0; }

/* Hero calculator card */
.hero-calc {
  background: rgba(20, 27, 48, 0.5);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius);
  padding: 24px 22px;
  box-shadow: 0 12px 40px rgba(0,0,0,0.25);
  margin-top: 0;
}
.hero-calc-title {
  font-family: var(--font-heading);
  font-size: 0.95rem; font-weight: 700; color: var(--text-white);
  margin-bottom: 2px; display: flex; align-items: center; gap: 8px;
}
.hero-calc-title svg { width: 18px; height: 18px; stroke: var(--accent); }
.hero-calc-sub {
  font-size: 0.78rem; color: var(--text-white-50); margin-bottom: 16px;
}
.hero-calc .calc-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 10px;
  margin-bottom: 12px;
}
.hero-calc .calc-field label {
  font-size: 0.65rem; font-weight: 600; color: var(--text-white-50);
  text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 4px;
  display: block;
}
.hero-calc .calc-field input,
.hero-calc .calc-field select {
  width: 100%;
  padding: 10px 12px;
  background: rgba(10,14,26,0.6);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-sm);
  color: var(--text-white); font-size: 0.9rem; font-family: var(--font);
  transition: var(--t);
  -webkit-appearance: none;
}
.hero-calc .calc-field input:focus,
.hero-calc .calc-field select:focus {
  border-color: var(--accent); outline: none;
  box-shadow: 0 0 0 3px var(--accent-glow);
}
.hero-calc .calc-field select option {
  background: var(--bg-dark-3); color: var(--text-white);
}
.hero-calc-result {
  background: linear-gradient(135deg, rgba(11,138,95,0.08) 0%, rgba(7,107,73,0.04) 100%);
  border: 1px solid rgba(11,138,95,0.15);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  text-align: center;
  margin-bottom: 10px;
}
.hero-calc-result .amount {
  font-size: clamp(1.3rem, 2.5vw, 1.8rem); font-weight: 800;
  color: var(--text-white); letter-spacing: -0.02em;
}
.hero-calc-result .label {
  color: var(--text-white-50); font-size: 0.78rem; margin-top: 2px;
}
.hero-calc-result .details {
  display: flex; justify-content: space-around;
  padding-top: 20px; border-top: 1px solid var(--border-dark);
}
.hero-calc-result .detail-item { text-align: center; }
.hero-calc-result .detail-item .value {
  font-size: 1.1rem; font-weight: 700; color: var(--text-white);
}
.hero-calc-result .detail-item .name {
  font-size: 0.75rem; color: var(--text-white-50); margin-top: 2px;
}
.hero-calc-disclaimer {
  font-size: 0.65rem; color: var(--text-white-30);
  text-align: center; line-height: 1.4; margin-top: 8px;
}
/* Amount display */
.calc-amount-display {
  font-family: var(--font-mono);
  font-size: 1.4rem; font-weight: 800;
  color: var(--text-white);
  margin-bottom: 10px;
}
/* Slider */
.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: rgba(255,255,255,0.1);
  border-radius: 100px;
  outline: none;
  margin-bottom: 8px;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--accent);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(11,138,95,0.4);
  border: 2px solid var(--bg-dark);
  transition: var(--t);
}
.calc-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  box-shadow: 0 0 12px rgba(11,138,95,0.6);
}
.calc-slider::-moz-range-thumb {
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--accent);
  cursor: pointer;
  border: 2px solid var(--bg-dark);
  box-shadow: 0 2px 8px rgba(11,138,95,0.4);
}
.calc-slider-values {
  display: flex; justify-content: space-between;
  font-size: 0.72rem; color: var(--text-white-50);
}
/* Term buttons */
.calc-term-buttons {
  display: flex; gap: 6px; flex-wrap: wrap;
}
.calc-term-btn {
  width: 38px; height: 38px;
  border-radius: 50%;
  background: rgba(255,255,255,0.06);
  border: 1px solid var(--border-dark);
  color: var(--text-white-70);
  font-size: 0.78rem; font-weight: 600;
  font-family: var(--font-mono);
  cursor: pointer;
  transition: var(--t);
  display: flex; align-items: center; justify-content: center;
}
.calc-term-btn:hover:not(.disabled) {
  border-color: var(--accent);
  color: var(--accent-light);
  transform: translateY(-1px);
}
.calc-term-btn.active {
  background: var(--accent);
  border-color: var(--accent);
  color: white;
  box-shadow: 0 2px 12px rgba(11,138,95,0.3);
}
.calc-term-btn.disabled {
  opacity: 0.3;
  cursor: not-allowed;
  pointer-events: none;
}

/* Rate display badge */
.calc-rate-display {
  display: flex; align-items: center; justify-content: space-between;
  background: rgba(11,138,95,0.06);
  border: 1px solid rgba(11,138,95,0.12);
  border-radius: var(--radius-sm);
  padding: 6px 12px;
  margin-bottom: 10px;
}
.calc-rate-label {
  font-size: 0.68rem; font-weight: 600; color: var(--text-white-50);
  text-transform: uppercase; letter-spacing: 0.05em;
}
.calc-rate-value {
  font-size: 0.85rem; font-weight: 800; color: var(--text-white);
  font-family: var(--font-mono);
}
/* Details inside result card */
.hero-calc-result-details {
  display: flex; justify-content: space-around;
  padding-top: 10px; margin-top: 10px;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.hero-calc-result-details .detail-item { text-align: center; }
.hero-calc-result-details .detail-item .value {
  font-size: 0.9rem; font-weight: 700; color: var(--text-white);
}
.hero-calc-result-details .detail-item .name {
  font-size: 0.65rem; color: var(--text-white-50); margin-top: 2px;
}
.hero-calc-cta {
  margin-top: 10px; width: 100%; padding: 10px 20px; font-size: 0.88rem;
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 15px 32px; border-radius: var(--radius-sm);
  font-weight: 600; font-size: 1rem; cursor: pointer; border: none;
  transition: var(--t); text-decoration: none;
  position: relative; overflow: hidden;
}
.btn-primary {
  background: linear-gradient(135deg, #075E43 0%, #0B8A5F 100%);
  color: var(--text-white);
  border: 1px solid rgba(127,227,184,0.22);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.18),
    inset 0 -10px 18px rgba(0,0,0,0.22),
    0 6px 18px rgba(7,107,73,0.28);
}
.btn-primary:hover {
  background: linear-gradient(135deg, #06402E 0%, #076B49 100%);
  color: var(--text-white);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.22),
    inset 0 -10px 18px rgba(0,0,0,0.24),
    0 10px 24px rgba(7,107,73,0.36);
  transform: translateY(-2px);
}
.btn-primary:active { transform: translateY(0); }

.btn-outline {
  background: transparent; color: var(--text-white);
  border: 1px solid rgba(255,255,255,0.2);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.05);
  border-color: rgba(255,255,255,0.35);
  color: var(--text-white); transform: translateY(-2px);
}
.btn-light {
  background: var(--bg-white); color: var(--text-dark);
  box-shadow: var(--shadow);
}
.btn-light:hover {
  transform: translateY(-2px); box-shadow: var(--shadow-md);
  color: var(--text-dark);
}
.btn-dark {
  background: var(--bg-dark); color: var(--text-white);
}
.btn-dark:hover { background: var(--bg-dark-3); color: var(--text-white); transform: translateY(-2px); }
.btn-block { width: 100%; }

/* ============================================
   STATS BAR — Dark bento with count-up
   ============================================ */
.stats-bar {
  background: var(--bg-dark-2);
  border-top: 1px solid var(--border-dark);
  padding: 48px 0;
}
.stats-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
}
.stat-item {
  text-align: center; padding: 20px 16px;
  border-radius: var(--radius);
  transition: var(--t);
}
.stat-item:hover {
  background: var(--bg-glass-light);
  transform: translateY(-2px);
}
.stat-value {
  font-size: clamp(1.8rem, 3.5vw, 2.4rem); font-weight: 800; color: var(--text-white);
  letter-spacing: -0.02em;
}
.stat-value .unit { color: var(--accent); font-size: 0.65em; }
.stat-label {
  font-size: 0.85rem; color: var(--text-white-50); margin-top: 8px;
}

/* ============================================
   NO HIDDEN FEES BANNER
   ============================================ */
.no-hidden-banner {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  padding: 36px 0;
  text-align: center;
  position: relative; overflow: hidden;
}
.no-hidden-banner::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; bottom: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.05) 1px, transparent 1px);
  background-size: 40px 40px;
}
.no-hidden-banner .container { position: relative; z-index: 1; }
.no-hidden-banner-content {
  display: flex; align-items: center; justify-content: center; gap: 20px;
  flex-wrap: wrap;
}
.no-hidden-banner svg {
  width: 40px; height: 40px; stroke: white; flex-shrink: 0;
  animation: shieldPulse 2s ease-in-out infinite;
}
@keyframes shieldPulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.08); }
}
.no-hidden-banner h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.4rem, 3vw, 2rem); font-weight: 900; color: white;
  letter-spacing: -0.02em; text-transform: uppercase;
}
.no-hidden-banner h2 .sub {
  font-size: 0.5em; font-weight: 500; opacity: 0.9;
  display: block; margin-top: 4px; text-transform: none; letter-spacing: 0;
}

/* ============================================
   SECTION HEADER
   ============================================ */
.section-header { text-align: center; margin-bottom: 64px; }
.section-title {
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 4vw, 2.75rem); font-weight: 800; letter-spacing: -0.03em;
  margin-bottom: 14px; color: var(--text-dark);
}
.section-subtitle {
  font-size: 1.15rem; color: var(--text-gray); max-width: 640px; margin: 0 auto;
}

/* ============================================
   PRODUCTS — Asymmetric Bento Grid
   ============================================ */
.products {
  padding: 80px 0;
  background: var(--bg-light);
}
.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  align-items: stretch;
}
.product-card {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px 22px;
  transition: var(--t);
  position: relative; overflow: hidden;
  display: flex; flex-direction: column;
}
.product-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--accent) 0%, var(--accent-light) 100%);
  transform: scaleX(0); transform-origin: left; transition: var(--t-slow);
}
.product-card:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-lg), var(--shadow-glow);
  transform: translateY(-6px);
}
.product-card:hover::before { transform: scaleX(1); }
.product-card .product-icon {
  width: 48px; height: 48px; border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--accent-glow) 0%, rgba(11,138,95,0.05) 100%);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px; transition: var(--t);
}
.product-card:hover .product-icon {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  transform: scale(1.05);
}
.product-card .product-icon svg {
  width: 22px; height: 22px; stroke: var(--accent);
  transition: var(--t);
}
.product-card:hover .product-icon svg { stroke: white; }
.product-card h3 {
  font-family: var(--font-heading);
  font-size: 1.2rem; font-weight: 700; margin-bottom: 8px; letter-spacing: -0.02em;
}
.product-card .desc {
  color: var(--text-gray); font-size: 0.88rem; margin-bottom: 16px; line-height: 1.5;
  min-height: 2.64em; /* резерв под 2 строки — ровная линия specs во всех карточках */
}
.product-features {
  list-style: none; margin-bottom: 18px;
}
.product-features li {
  display: flex; align-items: center; gap: 8px;
  padding: 4px 0; font-size: 0.85rem; color: var(--text-dark);
}
.product-features li svg {
  width: 14px; height: 14px; stroke: var(--accent); flex-shrink: 0;
}
.specs {
  list-style: none; margin: 0 0 18px;
  border-top: 1px solid var(--border-light); padding-top: 14px;
}
.specs li {
  display: flex; justify-content: space-between;
  padding: 5px 0; font-size: 0.82rem;
}
.specs li span:first-child { color: var(--text-gray); }
.specs li span:last-child { font-weight: 600; color: var(--text-dark); }
.rate-block {
  margin-top: auto; margin-bottom: 16px;
  padding: 12px 16px;
  background: var(--bg-light-2);
  border-radius: var(--radius-sm);
}
.rate-block .rate {
  font-size: 1.3rem; font-weight: 800; color: var(--accent-dark); letter-spacing: -0.02em;
}
.rate-block .rate-label {
  font-size: 0.78rem; color: var(--text-gray); margin-top: 2px;
}
.product-warning {
  font-size: 0.72rem; color: #D97706; line-height: 1.4;
  margin-bottom: 12px; padding: 8px 12px;
  background: #FEF3C7; border-radius: var(--radius-sm);
  border: 1px solid #FDE68A;
  min-height: 66px; display: flex; align-items: center; /* резерв под 3 строки — ровная линия ставок */
}

/* ============================================
   DEALS / CASES — Real cases section
   ============================================ */
.deals-section {
  padding: 100px 0;
  background: var(--bg-white);
}
.deals-grid {
  display: flex; gap: 20px;
  overflow-x: auto; scroll-snap-type: x mandatory;
  padding-bottom: 12px;
  scrollbar-width: thin; scrollbar-color: var(--accent) transparent;
}
.deals-grid::-webkit-scrollbar { height: 6px; }
.deals-grid::-webkit-scrollbar-thumb { background: var(--accent); border-radius: 3px; }
.deals-grid::-webkit-scrollbar-track { background: rgba(100,116,139,.15); border-radius: 3px; }
.deal-card {
  flex: 0 0 300px; scroll-snap-align: start;
  background: var(--bg-light);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 24px;
  transition: var(--t);
  position: relative; overflow: hidden;
}
.deal-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--accent);
}
.deal-card .deal-status {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 0.72rem; font-weight: 600;
  color: var(--accent); text-transform: uppercase; letter-spacing: 0.05em;
  margin-bottom: 16px;
}
.deal-card .deal-status::before {
  content: ''; width: 8px; height: 8px; border-radius: 50%;
  background: var(--accent); animation: dotPulse 2s ease-in-out infinite;
}
@keyframes dotPulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.4; }
}
.deal-card .deal-title {
  font-family: var(--font-heading);
  font-size: 1rem; font-weight: 700; margin-bottom: 12px;
}
.deal-card .deal-amount {
  font-size: 1.5rem; font-weight: 800; color: var(--text-dark); margin-bottom: 4px;
}
.deal-card .deal-meta {
  font-size: 0.82rem; color: var(--text-gray); margin-bottom: 16px;
}
.deal-card .deal-payment {
  font-size: 1.1rem; font-weight: 700; color: var(--accent-dark);
}
.deal-card .deal-payment-label {
  font-size: 0.78rem; color: var(--text-gray); margin-bottom: 12px;
}
.deal-card .deal-tags {
  display: flex; gap: 6px; flex-wrap: wrap; margin-top: 12px;
}
.deal-card .deal-tag {
  font-size: 0.7rem; padding: 4px 10px;
  background: var(--bg-light-2); border-radius: 100px;
  color: var(--text-gray);
}

/* ============================================
   TRUST SECTION
   ============================================ */
.trust-section {
  padding: 100px 0;
  background: var(--bg-light);
}
.trust-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; margin-bottom: 56px;
}
.trust-card {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  transition: var(--t);
}
.trust-card:hover {
  transform: translateY(-4px); box-shadow: var(--shadow-lg);
}
.trust-icon {
  width: 56px; height: 56px; margin: 0 auto 20px;
  background: var(--accent-glow); border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
}
.trust-icon svg { width: 26px; height: 26px; stroke: var(--accent); }
.trust-card h3 { font-family: var(--font-heading); font-size: 1.1rem; font-weight: 700; margin-bottom: 10px; }
.trust-card p { font-size: 0.9rem; color: var(--text-gray); line-height: 1.5; }

.trust-stats {
  display: grid; grid-template-columns: repeat(5, 1fr); gap: 24px;
}
.trust-stat { text-align: center; padding: 24px 16px; }
.trust-stat .trust-value {
  font-size: 2rem; font-weight: 800; color: var(--accent-dark); letter-spacing: -0.02em;
}
.trust-stat .trust-value .unit { color: var(--accent); font-size: 0.6em; }
.trust-stat .trust-label {
  font-size: 0.85rem; color: var(--text-gray); margin-top: 6px;
}

/* ============================================
   WHY US
   ============================================ */
.why-us {
  padding: 100px 0; background: var(--bg-white);
}
.why-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
}
.why-card {
  background: var(--bg-light);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  transition: var(--t);
}
.why-card:hover {
  transform: translateY(-4px); box-shadow: var(--shadow-md);
  border-color: var(--accent);
}
.why-icon {
  width: 48px; height: 48px;
  background: var(--accent-glow); border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.why-icon svg { width: 24px; height: 24px; stroke: var(--accent); }
.why-card h3 { font-family: var(--font-heading); font-size: 1.1rem; font-weight: 700; margin-bottom: 10px; }
.why-card p { font-size: 0.88rem; color: var(--text-gray); line-height: 1.5; }

/* ============================================
   HOW IT WORKS — Steps
   ============================================ */
.how-it-works {
  padding: 100px 0; background: var(--bg-light);
}
.steps {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
  position: relative;
}
.steps::before {
  content: '';
  position: absolute; top: 30px; left: 12%; right: 12%; height: 2px;
  background: linear-gradient(90deg, var(--accent) 0%, var(--accent-light) 100%);
  opacity: 0.2;
}
.step {
  text-align: center; position: relative; z-index: 1;
}
.step-num {
  width: 60px; height: 60px; margin: 0 auto 20px;
  background: var(--bg-white);
  border: 2px solid var(--accent);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; font-weight: 800; color: var(--accent);
  font-family: var(--font-mono);
  transition: var(--t);
  position: relative;
}
.step:hover .step-num {
  background: var(--accent); color: white;
  transform: scale(1.08);
  box-shadow: 0 8px 24px rgba(11,138,95,0.3);
}
.step-icon {
  width: 40px; height: 40px; margin: 0 auto 16px;
  display: flex; align-items: center; justify-content: center;
}
.step-icon svg { width: 32px; height: 32px; stroke: var(--accent); }
.step h4 { font-family: var(--font-heading); font-size: 1.1rem; font-weight: 700; margin-bottom: 8px; }
.step p { font-size: 0.88rem; color: var(--text-gray); padding: 0 8px; }

/* ============================================
   INVESTORS SECTION (on index.html)
   ============================================ */
.investors-section {
  padding: 100px 0; background: var(--bg-white);
}
.investors-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: stretch;
}
.investors-content h2 {
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 4vw, 2.5rem); font-weight: 800; letter-spacing: -0.03em;
  margin-bottom: 20px;
}
.investors-content p {
  color: var(--text-gray); font-size: 1.05rem; margin-bottom: 28px; line-height: 1.6;
}
.investors-content ul {
  list-style: none; margin-bottom: 32px;
}
.investors-content ul li {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 8px 0; font-size: 0.95rem;
}
.check-icon {
  width: 22px; height: 22px; flex-shrink: 0;
  background: var(--accent-glow); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}
.check-icon svg { width: 14px; height: 14px; stroke: var(--accent); stroke-width: 3; }

.investors-card {
  background: linear-gradient(135deg, var(--bg-dark) 0%, var(--bg-dark-3) 100%);
  border-radius: var(--radius-xl);
  padding: 40px 36px;
  color: var(--text-white);
  position: relative; overflow: hidden;
  border: 1px solid var(--border-dark);
  display: flex; flex-direction: column; justify-content: center;
}
.investors-card::before {
  content: '';
  position: absolute; top: 0; right: 0; bottom: 0; left: 0;
  background: radial-gradient(ellipse at 80% 20%, rgba(11,138,95,0.12) 0%, transparent 60%);
}
.investors-card > * { position: relative; z-index: 1; }
.investors-card h3 { font-family: var(--font-heading); font-size: 1.1rem; font-weight: 600; color: var(--text-white-70); margin-bottom: 8px; }
.investors-card .big-rate {
  font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 900;
  color: var(--accent-light); letter-spacing: -0.03em; line-height: 1;
}
.investors-card .big-rate-label {
  color: var(--text-white-50); font-size: 0.85rem; margin-bottom: 28px;
}
.investors-card ul {
  list-style: none; border-top: 1px solid var(--border-dark); padding-top: 20px;
}
.investors-card ul li {
  display: flex; justify-content: space-between;
  padding: 10px 0; font-size: 0.9rem;
}
.investors-card ul li span:first-child { color: var(--text-white-70); }
.investors-card ul li span:last-child { color: var(--text-white); font-weight: 600; }

/* ============================================
   REVIEWS
   ============================================ */
.reviews {
  padding: 100px 0; background: var(--bg-light);
}
.reviews-grid {
  display: flex; gap: 20px;
  overflow-x: auto; scroll-snap-type: x mandatory;
  padding-bottom: 12px;
  scrollbar-width: thin; scrollbar-color: var(--accent) transparent;
}
.reviews-grid::-webkit-scrollbar { height: 6px; }
.reviews-grid::-webkit-scrollbar-thumb { background: var(--accent); border-radius: 3px; }
.reviews-grid::-webkit-scrollbar-track { background: rgba(100,116,139,.15); border-radius: 3px; }
.review-card {
  flex: 0 0 320px; scroll-snap-align: start;
  display: flex; flex-direction: column;
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 20px;
  transition: var(--t);
  position: relative;
}
.review-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.review-quote-icon {
  width: 40px; height: 40px;
  background: var(--accent-glow); border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.review-quote-icon svg { width: 22px; height: 22px; stroke: var(--accent); }
.review-text {
  font-size: 1.02rem; color: var(--text-dark); line-height: 1.7; margin-bottom: 24px;
  font-style: italic; letter-spacing: -0.005em;
}
.review-author {
  display: flex; align-items: center; gap: 12px;
  border-top: 1px solid var(--border-light); padding-top: 20px;
}
.review-avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-weight: 700; color: white; font-size: 1.1rem; flex-shrink: 0;
}
.review-name { font-family: var(--font-heading); font-weight: 700; font-size: 0.9rem; }
.review-meta { font-size: 0.78rem; color: var(--text-gray); }
.review-rating {
  margin-left: auto; font-size: 1rem; font-weight: 700; color: var(--warning);
}

/* ============================================
   FAQ — Accordion
   ============================================ */
.faq-section {
  padding: 100px 0; background: var(--bg-white);
}
.faq-list {
  max-width: 800px; margin: 0 auto;
}
.faq-item {
  border: 1px solid var(--border-light);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
  transition: var(--t);
}
.faq-item.active {
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
}
.faq-question {
  width: 100%; text-align: left;
  background: var(--bg-white); border: none;
  padding: 22px 24px;
  font-size: 1rem; font-weight: 600; color: var(--text-dark);
  cursor: pointer;
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  transition: var(--t);
  font-family: var(--font-heading);
}
.faq-question:hover { background: var(--bg-light); }
.faq-item.active .faq-question { color: var(--accent-dark); }
.faq-icon {
  width: 24px; height: 24px; stroke: var(--accent); flex-shrink: 0;
  transition: var(--t);
}
.faq-item.active .faq-icon { transform: rotate(180deg); }
.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height 0.3s ease;
}
.faq-item.active .faq-answer { max-height: 400px; }
.faq-answer p {
  padding: 0 24px 22px;
  font-size: 0.92rem; color: var(--text-gray); line-height: 1.6;
}

/* ============================================
   LEGAL BLOCK
   ============================================ */
.legal-block {
  display: flex; align-items: flex-start; gap: 16px;
  background: #FEF3C7;
  border: 1px solid #FDE68A;
  border-radius: var(--radius);
  padding: 20px 24px;
  font-size: 0.85rem; color: #92400E; line-height: 1.5;
}
.legal-block svg {
  width: 24px; height: 24px; stroke: #D97706; flex-shrink: 0; margin-top: 2px;
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--bg-dark);
  color: var(--text-white-70);
  padding: 64px 0 32px;
  border-top: 1px solid var(--border-dark);
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 48px;
  margin-bottom: 40px;
}
.footer-brand {
  font-size: 0.9rem; line-height: 1.6; color: var(--text-white-50);
  max-width: 320px; margin-top: 16px;
}
.footer h4 {
  font-family: var(--font-heading);
  font-size: 0.9rem; font-weight: 700; color: var(--text-white); margin-bottom: 16px;
  text-transform: uppercase; letter-spacing: 0.05em;
}
.footer ul { list-style: none; }
.footer ul li { margin-bottom: 10px; }
.footer ul li a {
  font-size: 0.88rem; color: var(--text-white-50); transition: var(--t);
}
.footer ul li a:hover { color: var(--accent); }
.footer-contact-icon {
  width: 16px; height: 16px; stroke: var(--accent); margin-right: 8px;
  flex-shrink: 0; vertical-align: middle;
}
.footer-messengers {
  display: flex; gap: 12px; margin-top: 20px;
}
.messenger-icon {
  width: 40px; height: 40px;
  background: var(--bg-glass); border: 1px solid var(--border-dark);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  transition: var(--t);
}
.messenger-icon svg { width: 20px; height: 20px; fill: var(--text-white-70); transition: var(--t); }
.messenger-icon:hover {
  background: var(--accent); border-color: var(--accent);
  transform: translateY(-3px);
}
.messenger-icon:hover svg { fill: white; }

.footer-bottom {
  border-top: 1px solid var(--border-dark);
  padding-top: 24px;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px;
  font-size: 0.8rem; color: var(--text-white-30);
}

/* ============================================
   STICKY CTA — Mobile
   ============================================ */
.sticky-cta {
  position: fixed; bottom: 0; left: 0; right: 0;
  z-index: 900;
  background: rgba(10,14,26,0.95);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-top: 1px solid var(--border-dark);
  padding: 12px 24px;
  transform: translateY(100%);
  transition: transform 0.3s ease;
  display: none;
}
.sticky-cta.visible { transform: translateY(0); }
.sticky-cta .btn { width: 100%; }

/* ============================================
   COOKIE BANNER
   ============================================ */
.cookie-banner {
  position: fixed; bottom: 0; left: 0; right: 0;
  z-index: 950;
  background: var(--bg-dark);
  border-top: 1px solid rgba(11,138,95,0.2);
  padding: 16px 0;
  transform: translateY(100%);
  transition: transform 0.4s ease;
}
.cookie-banner.show { transform: translateY(0); }
.cookie-banner .container {
  display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap;
}
.cookie-banner p {
  font-size: 0.85rem; color: var(--text-white-70); margin: 0;
}
.cookie-link { color: var(--accent-light); text-decoration: underline; }
.cookie-btn {
  background: var(--accent); color: white; border: none;
  padding: 10px 24px; border-radius: var(--radius-sm);
  font-weight: 600; cursor: pointer; font-family: var(--font);
  transition: var(--t); white-space: nowrap;
}
.cookie-btn:hover { background: var(--accent-dark); transform: translateY(-1px); }
.cookie-btn.cookie-decline {
  background: transparent;
  color: var(--text-white-70);
  border: 1px solid var(--border-dark);
}
.cookie-btn.cookie-decline:hover {
  background: var(--bg-dark-3);
  color: var(--text-white);
  border-color: var(--text-white-30);
}

/* ============================================
   SCROLL REVEAL ANIMATION
   ============================================ */
.scroll-reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
  transition-delay: calc(var(--i, 0) * 80ms);
}
.scroll-reveal.revealed {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================
   FORM PAGE (apply.html)
   ============================================ */
.form-page {
  background: var(--bg-light);
  padding: 120px 0 80px;
  min-height: 100vh;
}
.form-card {
  max-width: 680px; margin: 0 auto;
  background: var(--bg-white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  padding: 48px 40px;
  border: 1px solid var(--border-light);
}
.form-card h2 {
  font-family: var(--font-heading);
  font-size: 1.75rem; font-weight: 800; margin-bottom: 8px; letter-spacing: -0.02em;
}
.form-sub {
  color: var(--text-gray); font-size: 1rem; margin-bottom: 32px;
}
.form-trust {
  display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 36px;
}
.form-trust-item {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--bg-light-2); border-radius: 100px;
  padding: 8px 16px; font-size: 0.8rem; font-weight: 500; color: var(--text-gray);
}
.form-trust-item svg { width: 16px; height: 16px; stroke: var(--accent); }

/* Progress bar */
.form-progress {
  margin-bottom: 32px;
}
.form-progress-bar {
  height: 6px; background: var(--bg-light-2); border-radius: 100px;
  overflow: hidden; margin-bottom: 8px;
}
.form-progress-fill {
  height: 100%; width: 25%;
  background: linear-gradient(90deg, var(--accent) 0%, var(--accent-light) 100%);
  border-radius: 100px;
  transition: width 0.4s ease;
}
.form-progress-label {
  font-size: 0.82rem; color: var(--text-gray);
}

.form-row {
  display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px;
}
.form-group {
  display: flex; flex-direction: column; gap: 8px; margin-bottom: 20px; min-width: 0;
}
.form-group label {
  font-weight: 600; font-size: 0.85rem; color: var(--text-dark);
}
.form-group label .required { color: var(--danger); }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%; min-width: 0; box-sizing: border-box;
  padding: 14px 16px;
  border: 2px solid var(--border-light);
  border-radius: var(--radius-sm);
  font-size: 1rem; font-family: var(--font); color: var(--text-dark);
  background: var(--bg-white); transition: var(--t);
  -webkit-appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--accent); outline: none;
  box-shadow: 0 0 0 4px var(--accent-glow);
}
.form-group textarea { resize: vertical; }
.form-group input[type="file"] {
  width: 100%; max-width: 100%; min-width: 0; box-sizing: border-box;
  padding: 10px; background: var(--bg-white); color: var(--text-gray);
  overflow: hidden; text-overflow: ellipsis; white-space: nowrap;
}
.form-group input[type="file"]::file-selector-button {
  margin-right: 12px; border: 0; border-radius: 8px; padding: 9px 12px;
  background: var(--accent-glow); color: var(--accent-dark); font-weight: 700; cursor: pointer;
}
.form-hint { font-size: 0.78rem; color: var(--text-gray); line-height: 1.45; overflow-wrap: anywhere; }
.form-check {
  display: flex; align-items: flex-start; gap: 12px; margin-bottom: 20px;
}
.form-check input { width: 20px; height: 20px; accent-color: var(--accent); margin-top: 3px; }
.form-check label { font-size: 0.88rem; color: var(--text-gray); cursor: pointer; }
.btn-submit {
  width: 100%; padding: 16px;
  background: var(--accent); color: white; border: none;
  border-radius: var(--radius-sm);
  font-size: 1.05rem; font-weight: 700; cursor: pointer;
  font-family: var(--font);
  box-shadow: 0 4px 16px rgba(11,138,95,0.25);
  transition: var(--t);
}
.btn-submit:hover {
  background: var(--accent-dark);
  box-shadow: 0 8px 28px rgba(11,138,95,0.4);
  transform: translateY(-2px);
}

.success-icon {
  width: 64px; height: 64px; margin: 0 auto 20px;
  background: var(--accent-glow); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
}
.success-icon svg { width: 36px; height: 36px; stroke: var(--accent); }

/* ============================================
   YIELD CARDS (investors.html)
   ============================================ */
.yield-cards {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px;
}
.yield-card {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  text-align: center;
  transition: var(--t);
}
.yield-card:hover {
  transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--accent);
}
.yield-icon {
  width: 56px; height: 56px; margin: 0 auto 20px;
  background: var(--accent-glow); border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
}
.yield-icon svg { width: 26px; height: 26px; stroke: var(--accent); }
.yield-card h3 { font-family: var(--font-heading); font-size: 1.15rem; font-weight: 700; margin-bottom: 12px; }
.yield-rate {
  font-size: 2.2rem; font-weight: 900; color: var(--accent-dark); letter-spacing: -0.02em;
}
.yield-period { font-size: 0.85rem; color: var(--text-gray); margin-bottom: 16px; }
.yield-desc { font-size: 0.88rem; color: var(--text-gray); line-height: 1.5; }

/* ============================================
   BENTO FEATURES (investors.html)
   ============================================ */
.bento-features {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.bento-feature {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: var(--t);
}
.bento-feature:hover {
  transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--accent);
}
.bento-icon {
  width: 48px; height: 48px;
  background: var(--accent-glow); border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.bento-icon svg { width: 24px; height: 24px; stroke: var(--accent); }
.bento-feature h3 { font-family: var(--font-heading); font-size: 1.05rem; font-weight: 700; margin-bottom: 10px; }
.bento-feature p { font-size: 0.88rem; color: var(--text-gray); line-height: 1.5; }

/* ============================================
   INVESTOR STEPS
   ============================================ */
.investor-steps {
  list-style: none;
}
.investor-steps li {
  display: flex; align-items: center; gap: 16px;
  padding: 12px 0;
  font-size: 1rem; color: var(--text-dark);
  border-bottom: 1px solid var(--border-light);
}
.investor-steps li:last-child { border: none; }
.investor-steps .step-num {
  width: 36px; height: 36px; margin: 0;
  font-size: 0.9rem;
}

/* ============================================
   FEED TABLE (investors.html)
   ============================================ */
.feed-section {
  background: var(--bg-white);
}
.feed-table {
  width: 100%; border-collapse: collapse;
  font-size: 0.88rem;
}
.feed-table th {
  text-align: left; padding: 14px 16px;
  background: var(--bg-light-2);
  font-weight: 700; color: var(--text-dark);
  font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.03em;
  white-space: nowrap;
}
.feed-table td {
  padding: 16px; border-bottom: 1px solid var(--border-light);
  white-space: nowrap;
}
.feed-table tr:hover td { background: var(--bg-light); }
.feed-table td strong { font-family: var(--font-mono); }
.feed-status {
  display: inline-block; padding: 4px 12px;
  border-radius: 100px; font-size: 0.75rem; font-weight: 600;
}
.feed-status.active { background: rgba(11,138,95,0.1); color: var(--accent-dark); }
.feed-status.new { background: rgba(59,130,246,0.1); color: var(--blue); }
.feed-btn {
  background: var(--accent); color: white; border: none;
  padding: 8px 18px; border-radius: var(--radius-sm);
  font-size: 0.82rem; font-weight: 600; cursor: pointer;
  font-family: var(--font); transition: var(--t);
}
.feed-btn:hover { background: var(--accent-dark); transform: translateY(-1px); }

/* ============================================
   RESPONSIVE — Mobile-first breakpoints
   ============================================ */
@media (max-width: 1024px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 40px;
    min-height: auto;
  }
  .hero { min-height: auto; padding: 100px 0 60px; }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }
}

@media (max-width: 768px) {
  .nav {
    display: none;
    position: fixed; top: 68px; left: 0; right: 0;
    background: rgba(10,14,26,0.98);
    backdrop-filter: blur(20px);
    flex-direction: column;
    padding: 24px;
    gap: 20px;
    border-bottom: 1px solid var(--border-dark);
  }
  .nav.open { display: flex; }
  .nav-toggle { display: block; }

  .hero h1 { font-size: 2rem; }
  .hero-left p { font-size: 1rem; }
  .hero-calc { padding: 28px 24px; }
  .hero-calc .calc-grid { grid-template-columns: 1fr; }

  .stats-grid { grid-template-columns: repeat(2, 1fr); }

  .products-grid {
    grid-template-columns: 1fr;
  }
  .product-card:nth-child(1),
  .product-card:nth-child(3) {
    grid-column: auto;
  }

  .deals-grid { grid-template-columns: repeat(2, 1fr); }

  .trust-grid { grid-template-columns: 1fr; }
  .trust-stats { grid-template-columns: repeat(2, 1fr); }

  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .steps::before { display: none; }

  .investors-grid { grid-template-columns: 1fr; }
  .reviews-grid { grid-template-columns: 1fr; }

  .bento-features { grid-template-columns: 1fr; }
  .yield-cards { grid-template-columns: 1fr; }

  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }

  .sticky-cta { display: block; }

  .form-card { padding: 32px 24px; }
  .form-row { grid-template-columns: 1fr; }

  .cookie-banner .container { flex-direction: column; text-align: center; }

  .container { padding: 0 16px; }
}

@media (max-width: 480px) {
  .stats-grid { grid-template-columns: 1fr; }
  .deals-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .trust-stats { grid-template-columns: 1fr; }

  .hero h1 { font-size: 1.8rem; }
  .hero-calc { padding: 24px 20px; }

  .no-hidden-banner-content { flex-direction: column; gap: 12px; }
  .no-hidden-banner svg { width: 32px; height: 32px; }
}

/* ============================================
   DASHBOARD — Личные кабинеты
   ============================================ */
.dashboard-page {
  background: var(--bg-light);
  min-height: calc(100vh - 68px);
  padding: 40px 0 80px;
}
.dashboard-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 32px;
  align-items: start;
}

/* Sidebar */
.dashboard-sidebar {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px 20px;
  position: sticky;
  top: 88px;
}
.dashboard-user {
  text-align: center;
  margin-bottom: 28px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--border-light);
}
.dashboard-avatar {
  width: 64px; height: 64px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-weight: 800; color: white;
  font-size: 1.5rem;
  margin: 0 auto 12px;
}
.dashboard-user-name {
  font-family: var(--font-heading);
  font-weight: 700; font-size: 1rem; color: var(--text-dark);
}
.dashboard-user-phone {
  font-size: 0.82rem; color: var(--text-gray); margin-top: 4px;
}
.dashboard-nav {
  display: flex; flex-direction: column; gap: 4px;
  margin-bottom: 24px;
}
.dashboard-nav-link {
  display: flex; align-items: center; gap: 12px;
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem; font-weight: 500; color: var(--text-gray);
  transition: var(--t);
}
.dashboard-nav-link svg {
  width: 18px; height: 18px; stroke: currentColor; flex-shrink: 0;
}
.dashboard-nav-link:hover {
  background: var(--bg-light-2);
  color: var(--text-dark);
}
.dashboard-nav-link.active {
  background: var(--accent-glow);
  color: var(--accent-dark);
  font-weight: 600;
}
.dashboard-new-loan {
  margin-top: auto;
}
.dashboard-switch-role {
  display: flex; align-items: center; gap: 8px;
  padding: 10px 14px;
  margin-top: 12px;
  font-size: 0.82rem; font-weight: 500; color: var(--text-gray);
  border-radius: var(--radius-sm);
  border: 1px dashed var(--border-light);
  transition: var(--t);
}
.dashboard-switch-role svg {
  width: 16px; height: 16px; stroke: currentColor; flex-shrink: 0;
}
.dashboard-switch-role:hover {
  color: var(--accent-dark);
  border-color: var(--accent);
  border-style: solid;
  background: var(--accent-glow);
}

/* Content */
.dashboard-content {
  min-height: 400px;
}
.dashboard-tab {
  display: none;
}
.dashboard-tab.active {
  display: block;
}
.dashboard-title {
  font-family: var(--font-heading);
  font-size: 1.75rem; font-weight: 800; color: var(--text-dark);
  letter-spacing: -0.02em; margin-bottom: 6px;
}
.dashboard-subtitle {
  font-size: 0.95rem; color: var(--text-gray); margin-bottom: 32px;
}

/* Stats grid */
.dashboard-stats {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px;
  margin-bottom: 32px;
}
.dashboard-stat {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius);
  padding: 20px 18px;
  transition: var(--t);
}
.dashboard-stat:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
}
.dashboard-stat-label {
  font-size: 0.78rem; color: var(--text-gray);
  text-transform: uppercase; letter-spacing: 0.03em;
  margin-bottom: 8px;
}
.dashboard-stat-value {
  font-family: var(--font-mono);
  font-size: 1.4rem; font-weight: 800; color: var(--text-dark);
  letter-spacing: -0.02em;
}

/* Dashboard card */
.dashboard-card {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  margin-bottom: 24px;
}
.dashboard-card-title {
  font-family: var(--font-heading);
  font-size: 1.1rem; font-weight: 700; color: var(--text-dark);
  margin-bottom: 20px;
}
.dashboard-empty {
  text-align: center; padding: 32px 16px;
  color: var(--text-gray); font-size: 0.9rem;
}
.dashboard-empty a {
  color: var(--accent-dark); font-weight: 600;
}

/* App row */
.app-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 0;
  border-bottom: 1px solid var(--border-light);
}
.app-row:last-child { border-bottom: none; }
.app-row-type {
  font-weight: 600; font-size: 0.92rem; color: var(--text-dark);
  margin-bottom: 4px;
}
.app-row-meta {
  font-size: 0.82rem; color: var(--text-gray);
}
.app-row-status {
  text-align: right;
}

/* Badges */
.badge {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 0.75rem; font-weight: 600;
}
.badge-active {
  background: rgba(11,138,95,0.1); color: var(--accent-dark);
}
.badge-pending {
  background: rgba(245,158,11,0.1); color: #D97706;
}
.badge-paid {
  background: rgba(11,138,95,0.1); color: var(--accent-dark);
}
.badge-future {
  background: var(--bg-light-2); color: var(--text-gray);
}
.badge-closed {
  background: var(--bg-light-2); color: var(--text-gray);
}

/* Loan summary */
.loan-summary-row {
  display: flex; justify-content: space-between;
  padding: 10px 0; font-size: 0.92rem;
  border-bottom: 1px solid var(--border-light);
}
.loan-summary-row span { color: var(--text-gray); }
.loan-summary-row strong { color: var(--text-dark); }
.loan-progress {
  display: flex; align-items: center; gap: 12px;
  margin: 20px 0;
}
.loan-progress-bar {
  flex: 1; height: 8px;
  background: var(--bg-light-2);
  border-radius: 100px; overflow: hidden;
}
.loan-progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--accent) 0%, var(--accent-light) 100%);
  border-radius: 100px;
  transition: width 0.4s ease;
}
.loan-progress-label {
  font-size: 0.82rem; font-weight: 600; color: var(--text-gray);
  white-space: nowrap;
}
.loan-next-payment {
  background: var(--bg-light-2);
  border-radius: var(--radius);
  padding: 16px 20px;
  text-align: center;
  margin-top: 16px;
}
.loan-next-payment-label {
  font-size: 0.78rem; color: var(--text-gray);
  text-transform: uppercase; letter-spacing: 0.03em;
}
.loan-next-payment-date {
  font-size: 0.9rem; color: var(--text-dark); margin: 4px 0;
}
.loan-next-payment-amount {
  font-family: var(--font-mono);
  font-size: 1.5rem; font-weight: 800; color: var(--accent-dark);
  margin-bottom: 12px;
}
.loan-closed {
  text-align: center; padding: 20px;
  color: var(--accent-dark); font-weight: 600;
}
.btn-sm {
  padding: 8px 20px; font-size: 0.85rem;
}

/* Loan card (portfolio) */
.loan-card {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin-bottom: 16px;
  transition: var(--t);
}
.loan-card:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
}
.loan-card-header {
  display: flex; justify-content: space-between; align-items: flex-start;
  margin-bottom: 20px;
}
.loan-card-title {
  font-family: var(--font-heading);
  font-size: 1.05rem; font-weight: 700; color: var(--text-dark);
}
.loan-card-id {
  font-size: 0.8rem; color: var(--text-gray); margin-top: 4px;
}
.loan-card-body {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px;
  margin-bottom: 16px;
}
.loan-card-stat-label {
  font-size: 0.75rem; color: var(--text-gray);
  text-transform: uppercase; letter-spacing: 0.03em;
  margin-bottom: 4px;
}
.loan-card-stat-value {
  font-family: var(--font-mono);
  font-size: 1.05rem; font-weight: 700; color: var(--text-dark);
}

/* Schedule table */
.schedule-table-wrap {
  overflow-x: auto;
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
}
.schedule-table {
  width: 100%; border-collapse: collapse;
  font-size: 0.88rem;
}
.schedule-table th {
  text-align: left; padding: 14px 16px;
  background: var(--bg-light-2);
  font-weight: 700; color: var(--text-dark);
  font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.03em;
  white-space: nowrap;
}
.schedule-table td {
  padding: 14px 16px;
  border-bottom: 1px solid var(--border-light);
  white-space: nowrap;
}
.schedule-table tr.row-paid td {
  opacity: 0.5;
}
.schedule-table tr.row-next td {
  background: rgba(11,138,95,0.04);
}
.schedule-table tr:hover td {
  background: var(--bg-light);
}

/* Profile */
.profile-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 14px 0;
  border-bottom: 1px solid var(--border-light);
}
.profile-row:last-child { border-bottom: none; }
.profile-label {
  font-size: 0.88rem; color: var(--text-gray); font-weight: 500;
}
.profile-value {
  font-size: 0.92rem; color: var(--text-dark); font-weight: 600;
}

/* Demo identity / МСИ profile verification */
.verify-form {
  margin-top: 4px;
}
.verify-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin-bottom: 18px;
}
.verify-field-wide {
  grid-column: 1 / -1;
}
.verify-label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-gray);
  margin-bottom: 7px;
}
.verify-input {
  width: 100%;
  padding: 12px 14px;
  font-size: 0.95rem;
  color: var(--text-dark);
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  outline: none;
  transition: var(--t-fast);
}
.verify-input:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(11,138,95,0.12);
}
.verify-input.error {
  border-color: var(--danger);
}
.verify-error {
  display: none;
  margin-top: 6px;
  font-size: 0.78rem;
  color: var(--danger);
}
.verify-error.show {
  display: block;
}
.verify-note {
  margin: 0 0 18px;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  background: rgba(11,138,95,0.06);
  border: 1px solid rgba(11,138,95,0.18);
  color: var(--text-gray);
  font-size: 0.82rem;
  line-height: 1.5;
}
.verify-status-line {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}

/* Breakdown (investor portfolio) */
.breakdown-row {
  display: grid;
  grid-template-columns: 1fr 2fr auto;
  gap: 16px;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid var(--border-light);
}
.breakdown-row:last-child { border-bottom: none; }
.breakdown-info {
  display: flex; justify-content: space-between; gap: 12px;
}
.breakdown-type {
  font-weight: 600; font-size: 0.9rem; color: var(--text-dark);
}
.breakdown-amount {
  font-family: var(--font-mono); font-size: 0.88rem; color: var(--text-gray);
}
.breakdown-bar {
  height: 8px; background: var(--bg-light-2);
  border-radius: 100px; overflow: hidden;
}
.breakdown-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--accent) 0%, var(--accent-light) 100%);
  border-radius: 100px;
}
.breakdown-pct {
  font-family: var(--font-mono); font-weight: 700;
  font-size: 0.88rem; color: var(--accent-dark);
  white-space: nowrap;
}

/* Income next */
.income-next-date {
  font-size: 0.78rem; color: var(--text-gray);
}
.income-next-amount {
  font-family: var(--font-mono); font-weight: 700;
  font-size: 0.95rem; color: var(--accent-dark);
}

/* Income chart */
.income-chart {
  display: flex; align-items: flex-end; gap: 16px;
  height: 240px; padding: 20px 0;
  border-bottom: 1px solid var(--border-light);
}
.income-bar-wrap {
  flex: 1; display: flex; flex-direction: column;
  align-items: center; height: 100%;
  justify-content: flex-end;
}
.income-bar {
  width: 100%; max-width: 60px;
  background: linear-gradient(180deg, var(--accent-light) 0%, var(--accent) 100%);
  border-radius: var(--radius-sm) var(--radius-sm) 0 0;
  min-height: 4px;
  position: relative;
  transition: var(--t);
  display: flex; align-items: flex-start; justify-content: center;
}
.income-bar:hover {
  filter: brightness(1.1);
  transform: scaleY(1.03);
  transform-origin: bottom;
}
.income-bar-value {
  position: absolute; top: -28px;
  font-family: var(--font-mono); font-size: 0.75rem; font-weight: 700;
  color: var(--text-dark); white-space: nowrap;
}
.income-bar-label {
  font-size: 0.75rem; color: var(--text-gray);
  margin-top: 8px; text-align: center;
}

/* Dashboard responsive */
@media (max-width: 1024px) {
  .dashboard-layout {
    grid-template-columns: 1fr;
  }
  .dashboard-sidebar {
    position: static;
    display: flex; flex-direction: column;
  }
  .dashboard-nav {
    flex-direction: row; flex-wrap: wrap; gap: 8px;
  }
  .dashboard-nav-link {
    padding: 8px 14px; font-size: 0.85rem;
  }
  .dashboard-stats {
    grid-template-columns: repeat(2, 1fr);
  }
  .loan-card-body {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 768px) {
  .dashboard-stats {
    grid-template-columns: 1fr;
  }
  .loan-card-body {
    grid-template-columns: 1fr;
  }
  .verify-grid {
    grid-template-columns: 1fr;
  }
  .breakdown-row {
    grid-template-columns: 1fr;
    gap: 8px;
  }
  .breakdown-bar {
    width: 100%;
  }
  .income-chart {
    height: 180px;
    overflow-x: auto;
  }
}
/* ===== SECURITY NOTE (index, перед FAQ) ===== */
.antifraud-strip {
  background: rgba(11, 138, 95, 0.06);
  border-top: 1px solid rgba(11, 138, 95, 0.25);
  border-bottom: 1px solid rgba(11, 138, 95, 0.25);
  padding: 14px 0;
}
.antifraud-content {
  display: flex; align-items: center; justify-content: center; gap: 12px;
  text-align: left;
}
.antifraud-content svg { width: 22px; height: 22px; flex-shrink: 0; color: var(--accent-dark); }
.antifraud-content p { margin: 0; font-size: 0.95rem; color: #075E43; line-height: 1.45; }
.antifraud-content strong { color: var(--accent-dark); }
@media (max-width: 640px) {
  .antifraud-content { align-items: flex-start; }
  .antifraud-content p { font-size: 0.85rem; }
}

/* ===== DOCS NEEDED (index) — светлая секция, стиль products ===== */
.docs-needed { padding: 80px 0; background: var(--bg-white); }
.docs-needed-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
}
.doc-need-card {
  background: var(--bg-light);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px 22px;
  transition: var(--t);
}
.doc-need-card:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-lg), var(--shadow-glow);
  transform: translateY(-4px);
}
.doc-need-icon {
  width: 48px; height: 48px; border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--accent-glow) 0%, rgba(11,138,95,0.05) 100%);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.doc-need-icon svg { width: 24px; height: 24px; color: var(--accent); }
.doc-need-card h3 { font-size: 1.05rem; margin: 0 0 8px; color: var(--text-dark); font-family: var(--font-heading); font-weight: 700; }
.doc-need-card p { font-size: 0.88rem; color: var(--text-gray); margin: 0; line-height: 1.55; }
.docs-needed-note {
  margin-top: 28px; text-align: center;
  font-size: 0.95rem; color: var(--text-gray);
}
.docs-needed-note::before { content: '✓ '; color: var(--accent); font-weight: 700; }
@media (max-width: 1024px) { .docs-needed-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .docs-needed-grid { grid-template-columns: 1fr; } .docs-needed { padding: 60px 0; } }

/* ===== CTA INVESTORS — компактная плашка вместо полной секции ===== */
.cta-investors { padding: 56px 0; background: var(--bg-dark); }
.cta-investors-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 32px;
  background: var(--bg-glass);
  border: 1px solid rgba(11, 138, 95, 0.3);
  border-radius: var(--radius-lg);
  padding: 32px 40px;
}
.cta-investors-text h2 {
  font-family: var(--font-heading); font-size: 1.6rem; font-weight: 800;
  color: #F1F5F9; margin: 0 0 6px; letter-spacing: -0.02em;
}
.cta-investors-text p { margin: 0; color: #94A3B8; font-size: 0.98rem; max-width: 560px; line-height: 1.5; }
.cta-investors .btn { flex-shrink: 0; }
@media (max-width: 768px) {
  .cta-investors-inner { flex-direction: column; text-align: center; padding: 28px 22px; }
  .cta-investors-text p { max-width: none; }
}

/* trust-stats: адаптив 6 -> 3 -> 2 */
@media (max-width: 1024px) { .trust-stats { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 560px) { .trust-stats { grid-template-columns: repeat(2, 1fr); } }

/* ===== Слияние секций (13.08): «Почему Monetix» + «Как это работает» ===== */
/* why-карточки теперь внутри trust-section (оба bg-light) -> делаем карточки белыми */
.trust-section .why-card { background: var(--bg-white); }
/* docs-needed карточки внутри how-it-works (bg-light) -> белые */
.how-it-works .doc-need-card { background: var(--bg-white); }
.how-docs-title {
  font-family: var(--font-heading); font-size: 1.35rem; font-weight: 700;
  color: var(--text-dark); text-align: center;
  margin: 48px 0 24px; letter-spacing: -0.01em;
}

/* ===== CALLBACK WIDGET (FAB + modal) ===== */
.callback-fab {
  position: fixed; right: 24px; bottom: 24px; z-index: 950;
  width: 60px; height: 60px; border-radius: 50%; border: none; cursor: pointer;
  background: var(--accent); display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 24px rgba(11,138,95,.45);
  transition: transform .2s ease, background .2s ease;
}
.callback-fab:hover { transform: scale(1.08); background: var(--accent-dark); }
.callback-fab svg { width: 26px; height: 26px; color: #fff; }
.callback-fab::after {
  content: ''; position: absolute; inset: -6px; border-radius: 50%;
  border: 2px solid var(--accent); opacity: .6;
  animation: fab-pulse 2.2s ease-out infinite;
}
@keyframes fab-pulse {
  0% { transform: scale(.85); opacity: .7; }
  70% { transform: scale(1.3); opacity: 0; }
  100% { transform: scale(1.3); opacity: 0; }
}
.callback-modal-overlay {
  position: fixed; inset: 0; z-index: 1000;
  background: rgba(10,14,26,.72); backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px);
  display: flex; align-items: center; justify-content: center; padding: 20px;
  opacity: 0; pointer-events: none; transition: opacity .25s ease;
}
.callback-modal-overlay.open { opacity: 1; pointer-events: auto; }
.callback-modal {
  background: #fff; border-radius: 16px; max-width: 400px; width: 100%;
  padding: 28px; position: relative;
  transform: translateY(14px); transition: transform .25s ease;
  box-shadow: 0 24px 60px rgba(0,0,0,.35);
}
.callback-modal-overlay.open .callback-modal { transform: none; }
.callback-close {
  position: absolute; top: 10px; right: 14px; background: none; border: none;
  font-size: 1.6rem; line-height: 1; cursor: pointer; color: var(--text-gray);
}
.callback-close:hover { color: var(--text-dark); }
.callback-modal h3 { font-family: var(--font-heading); color: var(--text-dark); margin: 0 0 6px; font-size: 1.3rem; }
.callback-modal p.sub { color: var(--text-gray); font-size: .9rem; margin: 0 0 18px; line-height: 1.5; }
.callback-modal input {
  width: 100%; padding: 14px 16px; border: 2px solid var(--border-light);
  border-radius: var(--radius-sm); font-size: 1.05rem; margin-bottom: 12px;
  font-family: var(--font); color: var(--text-dark); box-sizing: border-box;
}
.callback-modal input:focus { border-color: var(--accent); outline: none; box-shadow: 0 0 0 4px var(--accent-glow); }
.callback-note { font-size: .75rem; color: var(--text-gray); margin: 10px 0 0; }
.callback-note a { color: var(--accent-dark); }
.callback-error { color: var(--danger, #EF4444); font-size: .85rem; margin: -6px 0 10px; display: none; }
.callback-success { text-align: center; padding: 8px 0; }
@media (max-width: 768px) { .callback-fab { bottom: 84px; right: 16px; } }

/* ===== QUICK CALLBACK strip на apply.html ===== */
.quick-callback {
  background: var(--accent-glow); border: 1px solid rgba(11,138,95,.35);
  border-radius: var(--radius-lg); padding: 20px 22px; margin-bottom: 28px;
}
.quick-callback p { margin: 0 0 12px; color: var(--text-dark); font-size: .95rem; line-height: 1.5; }
.quick-callback-row { display: flex; gap: 12px; }
.quick-callback-row input {
  flex: 1; padding: 12px 16px; border: 2px solid var(--border-light);
  border-radius: var(--radius-sm); font-size: 1rem; font-family: var(--font); box-sizing: border-box;
}
.quick-callback-row input:focus { border-color: var(--accent); outline: none; box-shadow: 0 0 0 4px var(--accent-glow); }
.quick-callback-row .btn { flex-shrink: 0; }
.quick-callback-ok { color: var(--accent-dark); font-weight: 600; margin: 0; }
#quick-cb-error { color: var(--danger, #EF4444); font-size: .85rem; margin: -6px 0 8px; display: none; }
@media (max-width: 560px) { .quick-callback-row { flex-direction: column; } }

/* form-row: ровные строчки — инпуты выравниваются по низу независимо от длины label */
.form-row { align-items: end; }

/* Два file-поля в заявке: одинаковая высота и ровная линия инпутов */
.form-row.form-row-files { align-items: stretch; }
.form-row.form-row-files .form-group {
  display: grid;
  grid-template-rows: auto 54px auto;
  align-content: start;
  height: 100%;
}
.form-row.form-row-files .form-group label {
  min-height: 1.35em;
  display: flex;
  align-items: flex-end;
}
.form-row.form-row-files input[type="file"] {
  height: 54px;
  align-self: stretch;
  display: block;
}
.form-row.form-row-files .form-hint { min-height: 2.8em; }
@media (max-width: 768px) {
  .form-row.form-row-files .form-hint { min-height: 0; }
}

/* ===== ROLE SELECT (register) ===== */
.role-select { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.role-card {
  display: flex; flex-direction: column; gap: 2px;
  border: 2px solid var(--border-light); border-radius: var(--radius-sm);
  padding: 12px 14px; cursor: pointer; transition: var(--t);
  font-weight: 400;
}
.role-card:hover { border-color: var(--accent-light); }
.role-card input { accent-color: var(--accent); margin-bottom: 4px; }
.role-card:has(input:checked) { border-color: var(--accent); background: var(--accent-glow); }
.role-card .role-name { font-weight: 700; color: var(--text-dark); font-size: .95rem; }
.role-card .role-desc { font-size: .78rem; color: var(--text-gray); }

/* компактные отзывы в скролл-полосе */
.review-text { font-size: 0.85rem; line-height: 1.55; }
.review-author { margin-top: auto; }
/* намёк на прокрутку: затухание правого края у скролл-полос */
.deals-grid, .reviews-grid {
  -webkit-mask-image: linear-gradient(to right, #000 88%, transparent 99%);
  mask-image: linear-gradient(to right, #000 88%, transparent 99%);
}

/* ===== Компактные размеры (13.08, запрос Юры) ===== */
/* Продукты: карточки меньше, воздух умеренный */
.products { padding: 60px 0; }
.product-card { padding: 20px 18px; }
.product-card h3 { font-size: 1.08rem; margin-bottom: 6px; }
.product-card .desc { margin-bottom: 12px; }
.specs { margin-bottom: 14px; padding-top: 10px; }
.specs li { padding: 4px 0; }
.rate-block { padding: 10px 14px; margin-bottom: 12px; }
.rate-block .rate { font-size: 1.15rem; }

/* Выданные займы: карточки уже и компактнее */
.deals-section { padding: 70px 0; }
.deal-card { flex-basis: 264px; padding: 18px; }
.deal-card .deal-title { margin-bottom: 8px; }
.deal-card .deal-amount { font-size: 1.28rem; }
.deal-card .deal-meta { margin-bottom: 12px; }
.deal-card .deal-payment { font-size: 1rem; }

/* role-card внутри тёмных auth-страниц (login/register) */
.auth-card .role-card { border-color: var(--border-dark, #232d40); background: var(--bg-dark-2, #0d1220); }
.auth-card .role-card:hover { border-color: rgba(11,138,95,.5); }
.auth-card .role-card .role-name { color: var(--text-white, #fff); }
.auth-card .role-card .role-desc { color: var(--text-muted, #8a94a3); }
.auth-card .role-card:has(input:checked) {
  border-color: var(--accent); background: rgba(11,138,95,.12);
}

/* role-card: название сверху, пояснение в скобках под ним, всё по центру; радио скрыто */
.role-card { align-items: center; text-align: center; gap: 4px; padding: 14px 12px; }
.role-card input {
  position: absolute; opacity: 0; width: 0; height: 0; margin: 0; pointer-events: none;
}
.role-card { position: relative; }
.role-card .role-name { font-size: 1.05rem; }

/* role-card: зеркальность — подписи строго в одну строку, карточки одинаковой высоты */
.role-select { align-items: stretch; }
.role-card { justify-content: center; min-height: 84px; }
.role-card .role-desc { white-space: nowrap; }

/* ===== Монетка-лого: пара неспешных переворотов с паузами ===== */
.logo { perspective: 400px; }
.logo-icon {
  animation: coin-flip 26s ease-in-out infinite;
  transform-style: preserve-3d;
  will-change: transform;
}
@keyframes coin-flip {
  0%   { transform: rotateY(0deg); }
  38%  { transform: rotateY(0deg); }     /* лицо держится ~10с */
  42%  { transform: rotateY(180deg); }   /* один переворот ~1с */
  92%  { transform: rotateY(180deg); }   /* «М» держится ~13с */
  96%  { transform: rotateY(360deg); }   /* переворот обратно ~1с */
  100% { transform: rotateY(360deg); }
}
@media (prefers-reduced-motion: reduce) {
  .logo-icon { animation: none; }
}

/* Монетка: оборотная сторона с буквой «М» */
.logo-icon svg { backface-visibility: hidden; -webkit-backface-visibility: hidden; }
.logo-icon::after {
  content: 'М';
  position: absolute; inset: 3px; /* точно по размеру монеты (r=21 из 48 viewBox) — без лишнего кольца за ребром */
  border-radius: 50%;
  background: url("data:image/svg+xml,%3Csvg%20xmlns%3D%27http%3A//www.w3.org/2000/svg%27%20viewBox%3D%270%200%2048%2048%27%3E%3Ccircle%20cx%3D%2724%27%20cy%3D%2724%27%20r%3D%2722.5%27%20stroke%3D%27white%27%20stroke-opacity%3D%270.45%27%20stroke-width%3D%273%27%20stroke-dasharray%3D%271.2%201.0%27%20fill%3D%27none%27/%3E%3Ccircle%20cx%3D%2724%27%20cy%3D%2724%27%20r%3D%2717%27%20fill%3D%27none%27%20stroke%3D%27white%27%20stroke-opacity%3D%270.12%27%20stroke-width%3D%271%27/%3E%3C/svg%3E") center/cover no-repeat, linear-gradient(135deg, #052A1F 0%, #075E43 32%, #0B8A5F 55%, #18B783 72%, #06402E 100%);
  color: #fff; font-family: var(--font-heading); font-weight: 800; font-size: 1.35rem;
  display: flex; align-items: center; justify-content: center;
  transform: rotateY(180deg);
  backface-visibility: hidden; -webkit-backface-visibility: hidden;
  box-shadow: 0 4px 12px rgba(11,138,95,0.35);
}

/* Кнопка кабинета: без квадратной обводки фокуса — тактильное белое свечение круга */
.btn-login:focus { outline: none; }
.btn-login:focus-visible {
  outline: none;
  box-shadow: 0 0 0 3px rgba(255,255,255,.35), 0 0 14px rgba(255,255,255,.3);
}
.btn-login:active {
  background: rgba(255,255,255,.28);
  border-color: rgba(255,255,255,.7);
  transform: scale(.95);
  box-shadow: 0 0 16px rgba(255,255,255,.45);
}
.btn-login:active svg { stroke: #fff; }

/* Мобильная подсветка тапа (прямоугольник) — выключаем везде, заменяем своей тактильной */
a, button, .role-card, .deal-card, .review-card, input, select, textarea {
  -webkit-tap-highlight-color: transparent;
}

/* Логотип-монета: тактильный отклик при нажатии — весь блок загорается */
.logo {
  border-radius: 14px; padding: 5px 10px; margin-left: -10px;
  transition: background .15s ease;
}
.logo:active { background: rgba(255,255,255,.14); }
.logo:active .logo-icon {
  animation-play-state: paused;
  transform: scale(.92);
  filter: brightness(1.3) drop-shadow(0 0 12px rgba(255,255,255,.55));
}
.logo:active .logo-icon svg { filter: brightness(1.25); }