/* ============================================================
   CreditSpot — бързи кредити онлайн (светла тема с нейви акценти)
   Бял фон + зелено от логото (#7AC143) + тъмно синьо като акцент:
   topbar/хедър/футър, лентата на формата, номера на стъпките, баджове.
   Резервни варианти: style-light.css (изцяло светла), style-dark.css (изцяло тъмна)
   ============================================================ */

:root {
  color-scheme: light;

  --green: #7AC143;
  --green-dark: #66A836;
  --green-deep: #4E8A26;
  --green-tint: #EFF7E4;
  --green-pale: #F6FAEF;

  --navy-950: #071322;
  --navy-900: #0B1B30;
  --navy-850: #10233D;
  --navy-800: #152F4E;
  --navy-750: #1B3A5E;

  --bg-body: #ffffff;
  --bg-soft: #F3F6FA;
  --card: #ffffff;
  --field-bg: #FBFCFD;
  --field-line: #D9E1EA;

  --ink: #1D2F4A;
  --ink-soft: #54657E;
  --ink-mute: #8494A9;
  --line: #E4E9F0;
  --line-strong: #D3DCE6;
  --danger: #E05B4C;

  --radius: 18px;
  --radius-sm: 12px;
  --shadow: 0 12px 34px rgba(18, 38, 68, .12);
  --shadow-soft: 0 6px 18px rgba(18, 38, 68, .08);
  --shadow-green: 0 10px 24px rgba(122, 193, 67, .35);
  --font-head: 'Baloo 2', 'Nunito', sans-serif;
  --font-body: 'Nunito', 'Segoe UI', sans-serif;
  --header-h: 76px;
}

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

[hidden] { display: none !important; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg-body);
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

a { color: var(--green-dark); text-decoration: none; }

h1, h2, h3, h4 { font-family: var(--font-head); line-height: 1.18; font-weight: 700; color: var(--navy-900); }

.container { max-width: 1180px; margin: 0 auto; padding: 0 22px; }

section { scroll-margin-top: calc(var(--header-h) + 10px); }

.section-pad { padding: 84px 0; }

.section-head { max-width: 680px; margin: 0 auto 48px; text-align: center; }
.section-head h2 { font-size: clamp(1.75rem, 3.2vw, 2.4rem); margin-bottom: 12px; }
.section-head p { color: var(--ink-soft); font-size: 1.06rem; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--green-tint); color: var(--green-deep);
  font-weight: 800; font-size: .82rem; letter-spacing: .06em; text-transform: uppercase;
  padding: 7px 16px; border-radius: 999px; margin-bottom: 18px;
}

/* ---------- Бутони ---------- */

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--font-body); font-weight: 800; font-size: 1.02rem;
  padding: 15px 30px; border-radius: 999px; border: 2px solid transparent;
  cursor: pointer; transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
  white-space: nowrap;
}
.btn svg { flex: 0 0 auto; }
.btn--primary { background: var(--green); color: #fff; box-shadow: var(--shadow-green); }
.btn--primary:hover { background: var(--green-dark); transform: translateY(-2px); }
.btn--ghost { border-color: var(--navy-800); color: var(--navy-800); background: transparent; }
.btn--ghost:hover { background: var(--navy-900); border-color: var(--navy-900); color: #fff; transform: translateY(-2px); }
.btn--navy { background: var(--navy-800); color: #fff; box-shadow: 0 10px 24px rgba(11, 27, 48, .3); }
.btn--navy:hover { background: var(--navy-750); transform: translateY(-2px); }
.btn--light { background: #fff; color: var(--green-deep); box-shadow: 0 10px 24px rgba(0, 0, 0, .18); }
.btn--light:hover { transform: translateY(-2px); }
.btn--block { width: 100%; }
.btn--sm { padding: 11px 22px; font-size: .95rem; }
.btn:disabled { opacity: .65; cursor: not-allowed; transform: none; }

.btn.is-loading { position: relative; color: transparent; }
.btn.is-loading::after {
  content: ""; position: absolute; width: 22px; height: 22px;
  border: 3px solid rgba(255, 255, 255, .4); border-top-color: #fff; border-radius: 50%;
  animation: spin .7s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- Topbar (нейви акцент) ---------- */

.topbar { background: var(--navy-950); color: #8DA2BC; font-size: .86rem; }
.topbar__in { display: flex; justify-content: space-between; align-items: center; min-height: 38px; gap: 16px; }
.topbar a { color: #C6D4E4; font-weight: 700; display: inline-flex; align-items: center; gap: 6px; }
.topbar a:hover { color: var(--green); }
.topbar__right { display: flex; gap: 22px; align-items: center; }
.topbar__phone { color: var(--green) !important; }

/* ---------- Header (нейви акцент) ---------- */

.header {
  position: sticky; top: 0; z-index: 60; background: rgba(255, 255, 255, .96);
  backdrop-filter: blur(10px); transition: box-shadow .2s ease;
}
.header.is-scrolled { box-shadow: 0 6px 24px rgba(18, 38, 68, .10); }
.header__in { display: flex; align-items: center; gap: 28px; min-height: var(--header-h); }

.logo { display: inline-flex; align-items: center; gap: 10px; }
.logo__img { height: 48px; width: auto; display: block; }
.logo__img--foot { height: 56px; }
.logo svg.logo__pin { height: 46px; width: auto; }
.logo__text { font-family: var(--font-head); font-weight: 600; font-size: 1.72rem; color: var(--ink); letter-spacing: .01em; }
.logo__text b { color: var(--green); font-weight: 600; }
.logo--light .logo__text { color: #fff; }

.nav { display: flex; gap: 26px; margin-left: auto; }
.nav a { color: var(--ink); font-weight: 700; font-size: .99rem; position: relative; padding: 6px 0; }
.nav a::after {
  content: ""; position: absolute; left: 0; bottom: 0; width: 0; height: 3px;
  background: var(--green); border-radius: 3px; transition: width .22s ease;
}
.nav a:hover::after { width: 100%; }

.header__cta { padding: 12px 26px; font-size: .96rem; }
.nav .header__cta { display: none; }
.nav a.header__cta::after { display: none; }

.burger {
  display: none; background: none; border: 0; cursor: pointer; padding: 8px;
  flex-direction: column; gap: 5px;
}
.burger span { width: 26px; height: 3px; background: var(--navy-900); border-radius: 2px; transition: .25s; }
.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

/* ---------- Hero (светло) ---------- */

.hero { position: relative; background: linear-gradient(160deg, #F3F9EA 0%, #FDFEFB 55%, #F0F7E6 100%); overflow: hidden; }
.hero::before {
  content: ""; position: absolute; width: 560px; height: 560px; border-radius: 50%;
  background: radial-gradient(circle, rgba(122, 193, 67, .18), transparent 65%);
  top: -180px; right: -140px;
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(rgba(122, 193, 67, .16) 1.6px, transparent 1.6px);
  background-size: 26px 26px;
  mask-image: linear-gradient(115deg, transparent 55%, rgba(0, 0, 0, .8));
  -webkit-mask-image: linear-gradient(115deg, transparent 55%, rgba(0, 0, 0, .8));
}
.hero__grid {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1.06fr .94fr; gap: 56px; align-items: center;
  padding-top: 64px; padding-bottom: 110px;
}
.hero h1 { font-size: clamp(2.15rem, 4.4vw, 3.3rem); margin-bottom: 18px; }
.hero h1 .mark { color: var(--green-dark); position: relative; white-space: nowrap; }
.hero h1 .mark::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: 4px; height: 12px;
  background: rgba(122, 193, 67, .28); z-index: -1; border-radius: 6px;
}
.lead { color: var(--ink-soft); font-size: 1.13rem; max-width: 540px; margin-bottom: 24px; }

.ticks { list-style: none; display: grid; gap: 10px; margin-bottom: 30px; }
.ticks li { display: flex; align-items: center; gap: 11px; font-weight: 700; }
.ticks .tick-ic {
  flex: 0 0 24px; height: 24px; border-radius: 50%; background: var(--green);
  display: inline-flex; align-items: center; justify-content: center; color: #fff;
}

.hero__actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 30px; }

.hero__trust { display: flex; align-items: center; gap: 12px; color: var(--ink-soft); font-size: .95rem; }
.stars { display: inline-flex; gap: 2px; color: #F5B301; }
.hero__trust b { color: var(--ink); }

/* Калкулатор */

.calc {
  background: var(--card); border-radius: 24px; box-shadow: var(--shadow); padding: 30px 30px 26px;
  position: relative; border: 1px solid var(--line);
}
.calc h3 { font-size: 1.3rem; margin-bottom: 16px; }

.calc__tabs, .app__tabs {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 6px;
  background: var(--bg-soft); border-radius: 14px; padding: 6px; margin-bottom: 24px;
}
.tab {
  border: 0; background: transparent; font-family: var(--font-body); font-weight: 800;
  font-size: .93rem; color: var(--ink-soft); padding: 11px 6px; border-radius: 10px;
  cursor: pointer; transition: .18s;
}
.tab.is-active { background: var(--green); color: #fff; box-shadow: 0 6px 14px rgba(122, 193, 67, .4); }
.tab:not(.is-active):hover { color: var(--ink); background: rgba(255, 255, 255, .85); }

.calc__row { margin-bottom: 20px; }
.calc__labels { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 4px; }
.calc__labels span { font-weight: 700; color: var(--ink-soft); font-size: .95rem; }
.calc__labels output { font-family: var(--font-head); font-weight: 700; font-size: 1.35rem; color: var(--navy-900); }
.calc__sub { text-align: right; color: var(--ink-mute); font-size: .86rem; margin-top: 2px; min-height: 1.2em; }

.range-scale { display: flex; justify-content: space-between; color: var(--ink-mute); font-size: .8rem; margin-top: 6px; }

input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 6px;
  background: linear-gradient(to right, var(--green) var(--fill, 50%), #E2E8F0 var(--fill, 50%));
  outline: none; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 26px; height: 26px; border-radius: 50%;
  background: #fff; border: 7px solid var(--green); box-shadow: 0 3px 10px rgba(18, 38, 68, .28);
  transition: transform .15s;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.12); }
input[type="range"]::-moz-range-thumb {
  width: 12px; height: 12px; border-radius: 50%;
  background: #fff; border: 7px solid var(--green); box-shadow: 0 3px 10px rgba(18, 38, 68, .28);
}
input[type="range"]::-moz-range-track { height: 8px; border-radius: 6px; background: #E2E8F0; }
input[type="range"]::-moz-range-progress { height: 8px; border-radius: 6px; background: var(--green); }

.calc__result {
  display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 10px;
  background: var(--green-pale); border: 1px dashed rgba(122, 193, 67, .5);
  border-radius: 14px; padding: 16px 18px; margin-bottom: 20px;
}
.res span { display: block; color: var(--ink-soft); font-size: .82rem; font-weight: 700; }
.res strong { font-family: var(--font-head); font-size: 1.22rem; color: var(--navy-900); line-height: 1.25; }
.res em { display: block; font-style: normal; color: var(--ink-mute); font-size: .8rem; }
.res--main strong { color: var(--green-deep); font-size: 1.45rem; }

.calc__note { text-align: center; color: var(--ink-mute); font-size: .85rem; margin-top: 12px; }

.hero__wave { position: absolute; bottom: -1px; left: 0; width: 100%; height: 72px; z-index: 2; }
.hero__wave path { fill: var(--bg-body); }

/* ---------- Статистики ---------- */

.stats { position: relative; z-index: 3; margin-top: -44px; }
.stats__grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px;
  background: #fff; border-radius: 20px; box-shadow: var(--shadow); padding: 30px 26px;
}
.stat { text-align: center; padding: 6px 4px; }
.stat__num { font-family: var(--font-head); font-weight: 700; font-size: 2rem; color: var(--green-deep); line-height: 1.1; }
.stat p { color: var(--ink-soft); font-size: .93rem; font-weight: 700; margin-top: 2px; }

/* ---------- Видове кредити ---------- */

.credits { background: var(--bg-body); }

.cards3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; margin-bottom: 46px; }

.ccard {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  overflow: hidden; display: flex; flex-direction: column;
  transition: transform .22s ease, box-shadow .22s ease;
}
.ccard:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.ccard--hot { border: 2px solid var(--green); box-shadow: var(--shadow); position: relative; }

.ccard__media { position: relative; height: 168px; overflow: hidden; }
.ccard__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s ease; }
.ccard:hover .ccard__media img { transform: scale(1.06); }
.ccard__media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 40%, rgba(11, 27, 48, .5)); }

.badge {
  position: absolute; top: 14px; left: 14px; z-index: 2;
  background: rgba(255, 255, 255, .94); color: var(--green-deep);
  font-size: .78rem; font-weight: 800; padding: 6px 13px; border-radius: 999px;
}
.badge--hot { background: var(--green); color: #fff; box-shadow: 0 4px 12px rgba(0, 0, 0, .2); }

.ccard__body { padding: 24px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.ccard__body h3 { font-size: 1.34rem; margin-bottom: 6px; }
.ccard__tag { color: var(--ink-soft); font-size: .95rem; margin-bottom: 16px; }

.ccard__list { list-style: none; display: grid; gap: 9px; margin-bottom: 18px; }
.ccard__list li { display: flex; justify-content: space-between; gap: 12px; font-size: .96rem; border-bottom: 1px dashed var(--line-strong); padding-bottom: 8px; }
.ccard__list li span { color: var(--ink-soft); }
.ccard__list li b { text-align: right; color: var(--navy-900); }

.ccard__example {
  background: var(--green-pale); border-radius: var(--radius-sm); padding: 12px 15px;
  font-size: .9rem; color: var(--ink-soft); margin-bottom: 20px;
}
.ccard__example b { color: var(--green-deep); }

.ccard .btn { margin-top: auto; }

/* Сравнителна таблица */

.table-wrap { overflow-x: auto; border-radius: var(--radius); box-shadow: var(--shadow-soft); border: 1px solid var(--line); }
.cmp-table { width: 100%; border-collapse: collapse; min-width: 680px; background: var(--card); }
.cmp-table th, .cmp-table td { padding: 15px 20px; text-align: left; font-size: .97rem; }
.cmp-table thead th { background: var(--green); color: #fff; font-family: var(--font-head); font-size: 1.02rem; font-weight: 600; }
.cmp-table thead th:first-child { background: var(--green-dark); }
.cmp-table tbody tr:nth-child(even) { background: var(--green-pale); }
.cmp-table tbody th { color: var(--navy-800); font-weight: 800; white-space: nowrap; }
.cmp-table td { border-left: 1px solid var(--line); }

/* ---------- Как работи ---------- */

.how { background: var(--bg-soft); position: relative; overflow: hidden; }
.how::before {
  content: ""; position: absolute; width: 420px; height: 420px; border-radius: 50%;
  background: radial-gradient(circle, rgba(122, 193, 67, .13), transparent 65%);
  bottom: -160px; left: -120px;
}

.steps3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; position: relative; z-index: 1; margin-bottom: 40px; }

.step3 {
  background: var(--card); border-radius: var(--radius); padding: 34px 28px 30px;
  box-shadow: var(--shadow-soft); position: relative; text-align: center;
}
.step3__num {
  width: 56px; height: 56px; border-radius: 50%; margin: 0 auto 18px;
  background: var(--green-tint); color: var(--green-deep);
  font-family: var(--font-head); font-weight: 700; font-size: 1.5rem;
  display: flex; align-items: center; justify-content: center;
  border: 2px dashed var(--green);
}
.step3 h3 { font-size: 1.22rem; margin-bottom: 8px; }
.step3 p { color: var(--ink-soft); font-size: .97rem; }
.step3__arrow { position: absolute; top: 44px; right: -22px; color: var(--green); z-index: 2; }

.how__cta { text-align: center; position: relative; z-index: 1; }

/* ---------- Защо нас ---------- */

.why__grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }

.benefits { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.benefit { display: flex; gap: 15px; align-items: flex-start; }
.benefit__ic {
  flex: 0 0 52px; height: 52px; border-radius: 15px; background: var(--green-tint);
  color: var(--green-deep); display: flex; align-items: center; justify-content: center;
}
.benefit h4 { font-size: 1.05rem; margin-bottom: 3px; }
.benefit p { color: var(--ink-soft); font-size: .92rem; line-height: 1.5; }

.why__photo { position: relative; }
.why__photo > img {
  border-radius: 26px; width: 100%; height: 520px; object-fit: cover;
  box-shadow: var(--shadow);
}
.why__photo::before {
  content: ""; position: absolute; inset: -18px auto auto -18px; width: 130px; height: 130px;
  border-radius: 22px; background-image: radial-gradient(var(--green) 2.2px, transparent 2.2px);
  background-size: 16px 16px; opacity: .5; z-index: -1;
}
.float-chip {
  position: absolute; left: -26px; bottom: 42px; background: #fff; border-radius: 16px;
  box-shadow: var(--shadow); padding: 13px 18px; display: flex; gap: 12px; align-items: center;
  animation: floaty 4s ease-in-out infinite;
}
.float-chip__ic {
  width: 40px; height: 40px; border-radius: 50%; background: var(--green);
  color: #fff; display: flex; align-items: center; justify-content: center; flex: 0 0 40px;
}
.float-chip b { display: block; font-size: .95rem; color: var(--navy-900); }
.float-chip span { color: var(--ink-mute); font-size: .8rem; }

.float-chip--top { left: auto; right: -20px; top: 36px; bottom: auto; animation-delay: 1.6s; }

@keyframes floaty { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }

/* ---------- Нейви банер ---------- */

.navy-band {
  position: relative; overflow: hidden; color: #fff;
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 55%, var(--navy-800) 100%);
}
.navy-band::before {
  content: ""; position: absolute; width: 540px; height: 540px; border-radius: 50%;
  background: radial-gradient(circle, rgba(122, 193, 67, .22), transparent 65%);
  top: -200px; right: -130px;
}
.navy-band::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(rgba(255, 255, 255, .10) 1.6px, transparent 1.6px);
  background-size: 28px 28px;
  mask-image: linear-gradient(245deg, transparent 55%, rgba(0, 0, 0, .85));
  -webkit-mask-image: linear-gradient(245deg, transparent 55%, rgba(0, 0, 0, .85));
}
.navy-band__in {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center;
  padding-top: 84px; padding-bottom: 84px;
}
.navy-band .eyebrow { background: rgba(122, 193, 67, .18); color: var(--green); }
.navy-band h2 { color: #fff; font-size: clamp(1.7rem, 3.2vw, 2.35rem); margin-bottom: 14px; }
.navy-band p { color: #A9BDD4; max-width: 560px; margin-bottom: 24px; }

.nb-chips { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 30px; }
.nb-chip {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .15);
  color: #DCE7F2; font-size: .88rem; font-weight: 700; padding: 8px 14px; border-radius: 999px;
}
.nb-chip svg { color: var(--green); flex: 0 0 auto; }

.navy-band__actions { display: flex; gap: 14px; flex-wrap: wrap; }
.btn--outline-light { border-color: rgba(255, 255, 255, .5); color: #fff; background: transparent; }
.btn--outline-light:hover { background: #fff; border-color: #fff; color: var(--navy-900); transform: translateY(-2px); }

.navy-band__visual { position: relative; min-height: 360px; }
.nb-ring {
  position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%);
  width: 270px; height: 270px; border-radius: 50%; border: 2px dashed rgba(122, 193, 67, .55);
}
.nb-ring--2 { width: 400px; height: 400px; border: 1px solid rgba(255, 255, 255, .13); }
.nb-pin {
  position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%);
  filter: drop-shadow(0 14px 28px rgba(2, 8, 16, .5));
}
.nb-card {
  position: absolute; display: flex; gap: 13px; align-items: center;
  background: rgba(255, 255, 255, .08); backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, .16); border-radius: 16px; padding: 15px 18px;
  box-shadow: 0 18px 40px rgba(2, 8, 16, .35);
  animation: floaty 4s ease-in-out infinite;
}
.nb-card b { display: block; font-size: .93rem; color: #fff; }
.nb-card span { color: #A9BDD4; font-size: .79rem; }
.nb-card__ic {
  width: 42px; height: 42px; border-radius: 12px; background: var(--green);
  color: #fff; display: flex; align-items: center; justify-content: center; flex: 0 0 42px;
}
.nb-card--a { left: 0; top: 6%; }
.nb-card--b { right: -8px; bottom: 6%; animation-delay: 1.8s; }

/* ---------- Кандидатстване (нейви акцент) ---------- */

.apply {
  background: linear-gradient(150deg, var(--green-dark) 0%, var(--green) 55%, #8ECC5C 100%);
  position: relative; overflow: hidden;
}
.apply::before {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, .16) 1.8px, transparent 1.8px);
  background-size: 30px 30px;
  mask-image: linear-gradient(200deg, rgba(0,0,0,.9), transparent 60%);
  -webkit-mask-image: linear-gradient(200deg, rgba(0,0,0,.9), transparent 60%);
}
.apply .section-head { position: relative; z-index: 1; }
.apply .section-head h2, .apply .section-head p { color: #fff; }
.apply .section-head p { opacity: .92; }

.wizard {
  position: relative; z-index: 1; max-width: 860px; margin: 0 auto;
  background: #fff; border-radius: 26px; box-shadow: 0 30px 70px rgba(30, 60, 10, .35);
  padding: 38px clamp(20px, 5vw, 48px) 44px;
}

.wsteps { list-style: none; display: flex; justify-content: space-between; margin-bottom: 38px; position: relative; }
.wsteps::before {
  content: ""; position: absolute; top: 17px; left: 40px; right: 40px; height: 3px;
  background: var(--line); z-index: 0;
}
.wsteps li {
  position: relative; z-index: 1; text-align: center; flex: 1;
  font-size: .82rem; font-weight: 800; color: var(--ink-mute);
}
.wsteps li i {
  font-style: normal; display: flex; align-items: center; justify-content: center;
  width: 36px; height: 36px; margin: 0 auto 7px; border-radius: 50%;
  background: #fff; border: 3px solid var(--line); color: var(--ink-mute);
  font-family: var(--font-head); font-size: .95rem; transition: .25s;
}
.wsteps li.is-active { color: var(--green-deep); }
.wsteps li.is-active i { border-color: var(--green); color: var(--green-deep); box-shadow: 0 0 0 5px rgba(122, 193, 67, .18); }
.wsteps li.is-done { color: var(--green-deep); }
.wsteps li.is-done i { background: var(--green); border-color: var(--green); color: #fff; }

fieldset { border: 0; min-width: 0; }

.fstep > h3 { font-size: 1.35rem; margin-bottom: 4px; }
.fstep__hint { color: var(--ink-soft); font-size: .95rem; margin-bottom: 24px; }

.grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 20px; }
.grid3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px 20px; }

.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 4px; }
.field label { font-weight: 800; font-size: .9rem; color: var(--navy-900); }
.field label small { color: var(--ink-mute); font-weight: 600; }
.field input, .field select {
  font-family: var(--font-body); font-size: 1rem; color: var(--ink);
  padding: 13px 16px; border: 2px solid var(--field-line); border-radius: var(--radius-sm);
  background: var(--field-bg); outline: none; transition: border-color .18s, box-shadow .18s; width: 100%;
}
.field input::placeholder { color: var(--ink-mute); opacity: 1; }
.field input:focus, .field select:focus {
  border-color: var(--green); background: #fff; box-shadow: 0 0 0 4px rgba(122, 193, 67, .16);
}
.field.has-error input, .field.has-error select { border-color: var(--danger); background: #FEF7F6; }
.field__error { color: var(--danger); font-size: .83rem; font-weight: 700; min-height: 0; }
.field__ok { color: var(--green-deep); font-size: .83rem; font-weight: 700; }

.fstep .calc__result { margin-top: 22px; margin-bottom: 4px; }

.wizard__nav { display: flex; justify-content: space-between; gap: 14px; margin-top: 30px; }
.wizard__nav .btn--ghost { border-color: var(--field-line); color: var(--ink-soft); }
.wizard__nav .btn--ghost:hover { border-color: var(--green); color: var(--green-deep); background: #fff; }

.payout-note {
  display: flex; gap: 14px; align-items: flex-start;
  background: var(--green-pale); border: 1px dashed rgba(122, 193, 67, .5);
  border-radius: var(--radius-sm); padding: 16px 18px; margin-bottom: 6px;
}
.payout-note svg { color: var(--green-deep); flex: 0 0 auto; margin-top: 2px; }
.payout-note b { display: block; font-size: .98rem; margin-bottom: 2px; color: var(--navy-900); }
.payout-note span { color: var(--ink-soft); font-size: .9rem; line-height: 1.5; }

.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.form-fail { color: var(--danger); font-weight: 700; font-size: .92rem; margin-top: 14px; text-align: center; }
.form-fail a { color: var(--danger); text-decoration: underline; }

.consents { display: grid; gap: 13px; margin: 22px 0 6px; }
.checkbox { display: flex; gap: 11px; align-items: flex-start; font-size: .92rem; color: var(--ink-soft); cursor: pointer; }
.checkbox input {
  appearance: none; -webkit-appearance: none; flex: 0 0 22px; height: 22px; margin-top: 2px;
  border: 2px solid var(--line-strong); border-radius: 7px; cursor: pointer; position: relative;
  transition: .15s; background: #fff;
}
.checkbox input:checked { background: var(--green); border-color: var(--green); }
.checkbox input:checked::after {
  content: ""; position: absolute; left: 6px; top: 2px; width: 5px; height: 10px;
  border: solid #fff; border-width: 0 3px 3px 0; transform: rotate(42deg);
}
.checkbox a { font-weight: 800; text-decoration: underline; }
.checkbox.has-error { color: var(--danger); }
.checkbox.has-error input { border-color: var(--danger); }

.summary {
  background: var(--green-pale); border: 1px dashed rgba(122, 193, 67, .55);
  border-radius: var(--radius-sm); padding: 20px 22px; margin-top: 24px;
}
.summary h4 { font-size: 1.05rem; margin-bottom: 12px; }
.summary dl { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 26px; font-size: .93rem; }
.summary div { display: flex; justify-content: space-between; gap: 12px; border-bottom: 1px dashed rgba(122, 193, 67, .35); padding-bottom: 6px; }
.summary dt { color: var(--ink-soft); }
.summary dd { font-weight: 800; text-align: right; color: var(--navy-900); }

/* Успешна заявка */

.success { text-align: center; padding: 26px 10px 10px; }
.success__check { width: 108px; height: 108px; margin: 0 auto 22px; }
.success__check circle {
  fill: none; stroke: var(--green); stroke-width: 5; stroke-dasharray: 314; stroke-dashoffset: 314;
  animation: draw 0.9s ease forwards;
}
.success__check path {
  fill: none; stroke: var(--green); stroke-width: 7; stroke-linecap: round; stroke-linejoin: round;
  stroke-dasharray: 80; stroke-dashoffset: 80; animation: draw 0.5s ease .7s forwards;
}
@keyframes draw { to { stroke-dashoffset: 0; } }
.success h3 { font-size: 1.65rem; margin-bottom: 8px; }
.success p { color: var(--ink-soft); max-width: 480px; margin: 0 auto 10px; }
.success__num {
  display: inline-block; margin: 14px 0 22px; background: var(--green-tint); color: var(--green-deep);
  font-family: var(--font-head); font-weight: 700; font-size: 1.3rem;
  padding: 10px 26px; border-radius: 999px; letter-spacing: .04em;
}
.success ol { text-align: left; max-width: 460px; margin: 0 auto 26px; color: var(--ink-soft); padding-left: 22px; display: grid; gap: 6px; font-size: .96rem; }

/* ---------- Отзиви ---------- */

.reviews { background: var(--bg-body); }
.rcards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.rcard {
  background: var(--bg-soft); border-radius: var(--radius); padding: 30px 28px;
  position: relative; display: flex; flex-direction: column; gap: 14px;
}
.rcard::before {
  content: "\201C"; position: absolute; top: 6px; right: 22px;
  font-family: var(--font-head); font-size: 5rem; color: rgba(122, 193, 67, .35); line-height: 1;
}
.rcard p { color: var(--ink-soft); font-size: .98rem; flex: 1; }
.rcard__who { display: flex; align-items: center; gap: 13px; }
.avatar {
  width: 48px; height: 48px; border-radius: 50%; background: var(--green);
  color: #fff; font-weight: 800; display: flex; align-items: center; justify-content: center;
  font-size: 1.05rem; flex: 0 0 48px;
}
.avatar--b { background: var(--navy-800); }
.avatar--c { background: #F5B301; color: #3A2B00; }
.rcard__who b { display: block; line-height: 1.3; color: var(--navy-900); }
.rcard__who span { color: var(--ink-mute); font-size: .85rem; }

/* ---------- FAQ ---------- */

.faq { background: var(--bg-soft); }
.acc { max-width: 820px; margin: 0 auto; display: grid; gap: 14px; }
.acc__item { background: #fff; border-radius: var(--radius-sm); box-shadow: var(--shadow-soft); overflow: hidden; border: 1px solid transparent; transition: border-color .2s; }
.acc__item.is-open { border-color: rgba(122, 193, 67, .5); }
.acc__btn {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 16px;
  background: none; border: 0; cursor: pointer; text-align: left;
  font-family: var(--font-body); font-weight: 800; font-size: 1.04rem; color: var(--navy-900);
  padding: 19px 22px;
}
.acc__btn svg { flex: 0 0 auto; color: var(--green-deep); transition: transform .25s; }
.acc__item.is-open .acc__btn svg { transform: rotate(180deg); }
.acc__panel { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.acc__panel p { padding: 0 22px 20px; color: var(--ink-soft); font-size: .97rem; }

/* ---------- CTA лента ---------- */

.cta-band { position: relative; overflow: hidden; }
.cta-band__bg { position: absolute; inset: 0; }
.cta-band__bg img { width: 100%; height: 100%; object-fit: cover; }
.cta-band__bg::after { content: ""; position: absolute; inset: 0; background: linear-gradient(120deg, rgba(46, 82, 16, .93), rgba(102, 168, 54, .88)); }
.cta-band__in { position: relative; z-index: 1; text-align: center; padding: 76px 22px; color: #fff; }
.cta-band h2 { font-size: clamp(1.7rem, 3.4vw, 2.5rem); margin-bottom: 12px; color: #fff; }
.cta-band p { opacity: .92; margin-bottom: 28px; font-size: 1.08rem; }

/* ---------- Footer (нейви акцент) ---------- */

.footer { background: var(--navy-950); color: #A9BDD4; font-size: .95rem; }
.foot__grid {
  display: grid; grid-template-columns: 1.35fr 1fr 1fr 1.15fr; gap: 40px;
  padding: 64px 0 40px;
}
.foot__about p { margin: 16px 0 20px; line-height: 1.65; }
.foot__soc { display: flex; gap: 10px; }
.foot__soc a {
  width: 40px; height: 40px; border-radius: 50%; background: rgba(255, 255, 255, .08);
  display: inline-flex; align-items: center; justify-content: center; color: #fff; transition: .18s;
}
.foot__soc a:hover { background: var(--green); transform: translateY(-3px); }

.foot__col h4 { color: #fff; font-size: 1.06rem; margin-bottom: 18px; }
.foot__col ul { list-style: none; display: grid; gap: 11px; }
.foot__col a { color: #A9BDD4; transition: .15s; }
.foot__col a:hover { color: var(--green); padding-left: 4px; }
.foot__col li { display: flex; gap: 10px; align-items: flex-start; }
.foot__col li svg { flex: 0 0 auto; color: var(--green); margin-top: 3px; }

.legal { border-top: 1px solid rgba(255, 255, 255, .1); padding: 30px 0 40px; font-size: .84rem; color: #7D93AE; }
.legal p { margin-bottom: 12px; line-height: 1.65; }
.legal b { color: #C6D4E4; }
.legal__bottom { display: flex; justify-content: space-between; gap: 18px; flex-wrap: wrap; padding-top: 8px; }

/* ---------- Разни ---------- */

.to-top {
  position: fixed; right: 24px; bottom: 24px; z-index: 70;
  width: 50px; height: 50px; border-radius: 50%; border: 0; cursor: pointer;
  background: var(--green); color: #fff; box-shadow: var(--shadow-green);
  display: flex; align-items: center; justify-content: center;
  opacity: 0; visibility: hidden; transform: translateY(14px); transition: .25s;
}
.to-top.is-show { opacity: 1; visibility: visible; transform: none; }
.to-top:hover { background: var(--green-dark); }

.cookiebar {
  position: fixed; left: 50%; bottom: 20px; transform: translate(-50%, 140%);
  z-index: 80; width: min(720px, calc(100% - 32px));
  background: #fff; border-radius: 18px; box-shadow: 0 18px 50px rgba(7, 19, 34, .35);
  padding: 20px 24px; display: flex; gap: 18px; align-items: center;
  transition: transform .45s cubic-bezier(.2, .9, .3, 1.1);
}
.cookiebar.is-show { transform: translate(-50%, 0); }
.cookiebar__ic { flex: 0 0 44px; color: var(--green); }
.cookiebar p { font-size: .88rem; color: var(--ink-soft); flex: 1; }
.cookiebar__btns { display: flex; gap: 10px; flex-wrap: wrap; }
.cookiebar .btn { padding: 10px 18px; font-size: .88rem; }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 100;
  background: var(--navy-950); color: #fff; padding: 12px 20px; border-radius: 0 0 12px 0;
}
.skip-link:focus { left: 0; }

/* Reveal анимации */

.reveal { opacity: 0; transform: translateY(26px); transition: opacity .6s ease, transform .6s ease; }
.reveal.is-in { opacity: 1; transform: none; }
.reveal[data-delay="1"] { transition-delay: .12s; }
.reveal[data-delay="2"] { transition-delay: .24s; }
.reveal[data-delay="3"] { transition-delay: .36s; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
}

/* ---------- Responsive ---------- */

@media (max-width: 1060px) {
  .hero__grid { grid-template-columns: 1fr; gap: 44px; padding-bottom: 96px; }
  .hero__copy { text-align: center; }
  .lead { margin-left: auto; margin-right: auto; }
  .ticks { justify-content: center; max-width: 420px; margin: 0 auto 30px; text-align: left; }
  .hero__actions, .hero__trust { justify-content: center; }
  .calc { max-width: 620px; margin: 0 auto; width: 100%; }
  .why__grid { grid-template-columns: 1fr; gap: 48px; }
  .why__photo > img { height: 420px; }
  .navy-band__in { grid-template-columns: 1fr; gap: 40px; padding-top: 68px; padding-bottom: 76px; }
  .navy-band__visual { min-height: 330px; }
  .nb-ring--2 { width: 330px; height: 330px; }
  .float-chip { left: 8px; }
  .float-chip--top { right: 8px; }
  .steps3 { grid-template-columns: 1fr; max-width: 520px; margin: 0 auto 40px; }
  .step3__arrow { display: none; }
  .foot__grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 880px) {
  .nav {
    position: fixed; inset: calc(var(--header-h)) 0 auto 0; z-index: 55;
    background: #fff; flex-direction: column; gap: 0; padding: 10px 22px 22px;
    box-shadow: 0 24px 40px rgba(18, 38, 68, .15);
    transform: translateY(-130%); transition: transform .3s ease; margin-left: 0;
  }
  .nav.nav--open { transform: none; }
  .nav a { padding: 13px 4px; border-bottom: 1px solid var(--line); }
  .burger { display: flex; margin-left: auto; }
  .header__cta--desktop { display: none; }
  .nav .header__cta { display: inline-flex; margin: 16px 0 0; padding: 15px 30px; border-bottom: 0; justify-content: center; }
  .cards3, .rcards { grid-template-columns: 1fr; max-width: 520px; margin-left: auto; margin-right: auto; }
  .cards3 { margin-bottom: 40px; }
  .stats__grid { grid-template-columns: 1fr 1fr; }
  .grid2, .grid3 { grid-template-columns: 1fr; }
  .summary dl { grid-template-columns: 1fr; }
  .wsteps li span { display: none; }
  .benefits { grid-template-columns: 1fr; }
  .topbar__hide-m { display: none; }
  .section-pad { padding: 64px 0; }
}

@media (max-width: 560px) {
  body { font-size: 16px; }
  .calc { padding: 24px 18px 20px; }
  .calc__result { grid-template-columns: 1fr; gap: 12px; }
  .res { display: flex; justify-content: space-between; align-items: baseline; gap: 10px; }
  .res strong { text-align: right; }
  .res em { display: inline; }
  .stats__grid { padding: 22px 16px; gap: 12px; }
  .stat__num { font-size: 1.55rem; }
  .wizard { padding: 28px 16px 32px; border-radius: 20px; }
  .wizard__nav { flex-direction: column-reverse; }
  .wizard__nav .btn { width: 100%; }
  .hero__actions .btn { width: 100%; }
  .cookiebar { flex-direction: column; text-align: center; }
  .legal__bottom { justify-content: center; text-align: center; }
  .logo__text { font-size: 1.5rem; }
  .logo svg.logo__pin { height: 40px; }
  .logo__img { height: 38px; }
  .logo__img--foot { height: 46px; }
}