/* =========================================================
   ТарифыБанки — лендинг подбора РКО
   Дизайн-система: тёмно-синий «фин-тех» + зелёный CTA
   ========================================================= */

:root{
  --ink:#0A1128;
  --ink-2:#141C36;
  --ink-3:#1F2A4A;
  --bg:#F6F8FC;
  --bg-alt:#EEF2F9;
  --card:#FFFFFF;
  --txt:#16203A;
  --muted:#697488;
  --line:#E3E8F2;
  --line-2:#D8DFEC;

  --brand:#2563EB;
  --brand-2:#06B6D4;
  --cta:#0FA958;
  --cta-2:#16C46B;
  --gold:#F59E0B;
  --red:#E23D3D;

  --r-sm:10px;
  --r:14px;
  --r-lg:20px;
  --r-xl:26px;

  --sh-1:0 1px 2px rgba(16,24,40,.05), 0 1px 3px rgba(16,24,40,.06);
  --sh-2:0 4px 8px -2px rgba(16,24,40,.08), 0 12px 28px -6px rgba(16,24,40,.10);
  --sh-3:0 12px 24px -8px rgba(16,24,40,.14), 0 32px 64px -16px rgba(16,24,40,.18);
  --sh-cta:0 6px 16px -4px rgba(15,169,88,.45);

  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue","Noto Sans",Arial,sans-serif;
  --wrap:1200px;
  --hdr-h:72px;
}

*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
/* honeypot: не видим человеку, боты заполняют */
.hp{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;opacity:0!important}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--hdr-h) + 16px);-webkit-text-size-adjust:100%}
body{
  margin:0;font-family:var(--font);color:var(--txt);background:var(--bg);
  font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
body.is-locked{overflow:hidden}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit;cursor:pointer;background:none;border:0}
h1,h2,h3,h4{margin:0;line-height:1.18;letter-spacing:-.02em;font-weight:700}
p{margin:0}
ul,ol,dl,dd{margin:0;padding:0}
li{list-style:none}
svg{width:100%;height:100%;display:block}

.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 20px}
.wrap--narrow{max-width:860px}

.skip-link{position:absolute;left:-9999px;top:0;z-index:200;background:#fff;padding:12px 18px;border-radius:0 0 var(--r) 0}
.skip-link:focus{left:0}

:focus-visible{outline:3px solid rgba(37,99,235,.55);outline-offset:2px;border-radius:6px}

/* ---------- Кнопки ---------- */
.btn{
  --btn-bg:#fff;--btn-fg:var(--txt);--btn-bd:var(--line-2);
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:13px 22px;border-radius:var(--r);font-weight:600;font-size:15px;
  background:var(--btn-bg);color:var(--btn-fg);border:1.5px solid var(--btn-bd);
  transition:transform .16s ease, box-shadow .2s ease, background .2s ease, border-color .2s ease, filter .2s ease;
  text-align:center;white-space:nowrap;line-height:1.2;
}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn--sm{padding:10px 16px;font-size:14px;border-radius:11px}
.btn--lg{padding:16px 30px;font-size:16.5px}
.btn--block{width:100%}

.btn--cta{
  --btn-bg:linear-gradient(135deg,var(--cta-2),var(--cta));--btn-fg:#fff;--btn-bd:transparent;
  box-shadow:var(--sh-cta);
}
.btn--cta:hover{filter:brightness(1.05);box-shadow:0 10px 24px -6px rgba(15,169,88,.55)}

.btn--ghost{--btn-bg:#fff;--btn-fg:var(--ink);--btn-bd:var(--line-2)}
.btn--ghost:hover{--btn-bd:var(--brand);--btn-fg:var(--brand);box-shadow:var(--sh-1)}

.btn--dark{--btn-bg:var(--ink);--btn-fg:#fff;--btn-bd:transparent}
.btn--dark:hover{--btn-bg:var(--ink-3)}

.btn--glass{--btn-bg:rgba(255,255,255,.08);--btn-fg:#fff;--btn-bd:rgba(255,255,255,.26);backdrop-filter:blur(6px)}
.btn--glass:hover{--btn-bg:rgba(255,255,255,.16)}

.linkbtn{
  color:var(--brand);font-weight:600;font-size:15px;padding:0;
  border-bottom:1.5px solid transparent;transition:border-color .2s;
}
.linkbtn:hover{border-color:currentColor}

/* ---------- Header ---------- */
.hdr{
  position:sticky;top:0;z-index:90;height:var(--hdr-h);
  background:rgba(10,17,40,.92);backdrop-filter:blur(14px) saturate(140%);
  border-bottom:1px solid rgba(255,255,255,.08);
  transition:background .25s ease, box-shadow .25s ease, height .25s ease;
}
.hdr.is-stuck{box-shadow:0 8px 30px -12px rgba(10,17,40,.6)}
.hdr__in{display:flex;align-items:center;gap:28px;height:100%}

.logo{display:inline-flex;align-items:center;gap:10px;flex-shrink:0}
.logo__mark{width:34px;height:34px;flex-shrink:0}
.logo__txt{font-weight:800;font-size:18px;letter-spacing:-.03em;color:#fff}
.logo__txt span{color:var(--brand-2)}

.nav{display:flex;gap:6px;margin-left:auto}
.nav a{
  color:rgba(255,255,255,.78);font-size:14.5px;font-weight:500;
  padding:9px 13px;border-radius:10px;transition:color .18s,background .18s;
}
.nav a:hover{color:#fff;background:rgba(255,255,255,.09)}

.hdr__act{display:flex;align-items:center;gap:10px;margin-left:auto}
.nav + .hdr__act{margin-left:0}

.burger{display:none;width:42px;height:42px;border-radius:11px;border:1px solid rgba(255,255,255,.2);padding:12px 10px;flex-direction:column;justify-content:space-between}
.burger span{display:block;height:2px;background:#fff;border-radius:2px;transition:transform .25s,opacity .2s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{
  position:relative;padding:64px 0 56px;color:#fff;overflow:hidden;
  background:linear-gradient(165deg,#0A1128 0%,#111C3D 48%,#0D1730 100%);
}
.hero__glow{
  position:absolute;inset:-30% -10% auto -10%;height:120%;pointer-events:none;
  background:
    radial-gradient(46% 44% at 78% 18%, rgba(6,182,212,.30) 0%, transparent 70%),
    radial-gradient(40% 40% at 12% 8%, rgba(37,99,235,.34) 0%, transparent 70%),
    radial-gradient(30% 30% at 62% 92%, rgba(15,169,88,.18) 0%, transparent 70%);
}
.hero::after{
  content:"";position:absolute;inset:0;pointer-events:none;opacity:.5;
  background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);
  background-size:56px 56px;
  mask-image:radial-gradient(70% 60% at 50% 30%,#000 0%,transparent 100%);
}
.hero__in{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:start}

.eyebrow{
  display:inline-block;font-size:12.5px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;
  color:var(--brand);background:rgba(37,99,235,.10);padding:7px 13px;border-radius:99px;margin-bottom:16px;
}
.eyebrow--light{color:#7DD3FC;background:rgba(125,211,252,.12);border:1px solid rgba(125,211,252,.22)}

.hero h1{font-size:clamp(30px,4.2vw,52px);letter-spacing:-.035em;margin-bottom:18px}
.hero h1 em{
  font-style:normal;
  background:linear-gradient(100deg,#7DD3FC,#5EEAD4 55%,#86EFAC);
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.hero__lead{font-size:17.5px;line-height:1.62;color:rgba(255,255,255,.76);max-width:560px}

.usp{display:flex;flex-direction:column;gap:11px;margin:26px 0 30px}
.usp li{display:flex;align-items:center;gap:11px;font-size:16px;color:rgba(255,255,255,.92);font-weight:500}
.usp svg{
  width:22px;height:22px;flex-shrink:0;padding:4px;border-radius:50%;
  background:rgba(15,169,88,.22);stroke:#4ADE80;stroke-width:3;fill:none;stroke-linecap:round;stroke-linejoin:round;
}

.hero__cta{display:flex;gap:12px;flex-wrap:wrap}
.hero__note{margin-top:22px;font-size:14px;color:rgba(255,255,255,.55);display:flex;align-items:center;gap:9px}
.hero__note time{color:rgba(255,255,255,.8)}
.dot{width:8px;height:8px;border-radius:50%;background:#4ADE80;box-shadow:0 0 0 4px rgba(74,222,128,.18);flex-shrink:0}

/* ---------- Карточка квиза ---------- */
.quickcard{
  background:var(--card);border-radius:var(--r-xl);padding:26px;color:var(--txt);
  box-shadow:0 24px 60px -18px rgba(3,8,25,.65);position:relative;
}
.quickcard__head{display:flex;align-items:baseline;justify-content:space-between;gap:14px;margin-bottom:14px}
.quickcard__head h2{font-size:21px}
.quickcard__step{font-size:13px;color:var(--muted);font-weight:600;white-space:nowrap}
.quickcard__step b{color:var(--brand)}

.progress{height:6px;background:var(--bg-alt);border-radius:99px;overflow:hidden;margin-bottom:22px}
.progress i{display:block;height:100%;border-radius:99px;background:linear-gradient(90deg,var(--brand),var(--brand-2));transition:width .35s cubic-bezier(.4,0,.2,1)}

.quiz__step{display:none;animation:fade .3s ease both}
.quiz__step.is-active{display:block}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}

.quiz__q{font-size:16.5px;font-weight:650;margin-bottom:14px;color:var(--ink)}

.opts{display:flex;flex-direction:column;gap:9px}
.opt{position:relative;display:block;cursor:pointer}
.opt input{position:absolute;opacity:0;width:0;height:0}
.opt span{
  display:flex;align-items:center;gap:11px;padding:13px 15px;border-radius:var(--r);
  border:1.5px solid var(--line);background:#fff;font-size:15px;font-weight:500;
  transition:border-color .18s,background .18s,box-shadow .18s;
}
.opt span::before{
  content:"";width:19px;height:19px;border-radius:50%;border:2px solid var(--line-2);flex-shrink:0;transition:.18s;
}
.opts--multi .opt span::before{border-radius:6px}
.opt:hover span{border-color:var(--brand);background:rgba(37,99,235,.03)}
.opt input:checked + span{border-color:var(--brand);background:rgba(37,99,235,.06);box-shadow:0 0 0 3px rgba(37,99,235,.10)}
.opt input:checked + span::before{border-color:var(--brand);background:var(--brand);box-shadow:inset 0 0 0 3.5px #fff}
.opt input:focus-visible + span{outline:3px solid rgba(37,99,235,.45);outline-offset:2px}

.fields{display:flex;flex-direction:column;gap:14px}
.field{display:block}
.field__lbl{display:block;font-size:13.5px;font-weight:600;color:var(--ink);margin-bottom:6px}
.field__lbl i{color:var(--red);font-style:normal}
.field input,.field textarea,.field select{
  width:100%;padding:13px 15px;border-radius:var(--r);border:1.5px solid var(--line);
  background:#fff;font:inherit;font-size:15.5px;color:var(--txt);transition:border-color .18s,box-shadow .18s;
}
.field input::placeholder{color:#A6AEBF}
.field input:focus,.field textarea:focus{outline:0;border-color:var(--brand);box-shadow:0 0 0 3px rgba(37,99,235,.12)}
.field input[aria-invalid="true"]{border-color:var(--red);box-shadow:0 0 0 3px rgba(226,61,61,.10)}
.field__hint{display:block;font-size:12.5px;color:var(--muted);margin-top:5px}

.quiz__nav{display:flex;gap:10px;margin-top:20px}
.quiz__nav .btn--ghost{flex:0 0 auto;padding-left:18px;padding-right:18px}

.legal{font-size:12px;color:var(--muted);margin-top:12px;line-height:1.5}
.legal a{color:var(--brand);text-decoration:underline;text-underline-offset:2px}

.quiz__done{text-align:center;padding:28px 8px 12px}
.done__ico{width:62px;height:62px;margin:0 auto 16px;border-radius:50%;background:rgba(15,169,88,.12);padding:16px}
.done__ico svg{stroke:var(--cta);stroke-width:3;fill:none;stroke-linecap:round;stroke-linejoin:round}
.quiz__done h3{font-size:21px;margin-bottom:8px}
.quiz__done p{color:var(--muted);font-size:15px}

/* ---------- Trustbar ---------- */
.trustbar{
  position:relative;z-index:2;margin-top:52px;padding:20px 24px;border-radius:var(--r-lg);
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.10);
  display:flex;align-items:center;gap:22px;flex-wrap:wrap;
}
.trustbar__lbl{font-size:13px;color:rgba(255,255,255,.55);font-weight:600;letter-spacing:.02em;white-space:nowrap}
.trustbar ul{display:flex;align-items:center;gap:12px;flex-wrap:wrap;flex:1}
.trustbar li{
  background:#fff;border-radius:12px;min-width:88px;height:48px;padding:10px 18px;
  display:grid;place-items:center;box-shadow:0 4px 14px -6px rgba(0,0,0,.5);
  transition:transform .2s ease;
}
.trustbar li:hover{transform:translateY(-2px)}
.trustbar img{height:24px;width:auto;max-width:96px;object-fit:contain}

/* ---------- Секции ---------- */
.sec{padding:82px 0}
.sec--alt{background:var(--bg-alt)}
.sechead{max-width:720px;margin:0 auto 38px;text-align:center}
.sechead h2{font-size:clamp(26px,3.4vw,38px);margin-bottom:12px;color:var(--ink)}
.sechead p{color:var(--muted);font-size:17px}

/* ---------- Фильтры ---------- */
.filters{display:flex;gap:9px;flex-wrap:wrap;justify-content:center;margin-bottom:30px}
.chip{
  padding:10px 17px;border-radius:99px;border:1.5px solid var(--line-2);background:#fff;
  font-size:14.5px;font-weight:600;color:var(--muted);transition:.18s;
}
.chip:hover{border-color:var(--brand);color:var(--brand)}
.chip.is-active{background:var(--ink);border-color:var(--ink);color:#fff}

/* ---------- Карточки банков ---------- */
.banks{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.bank{
  position:relative;background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);
  padding:26px 24px 24px;display:flex;flex-direction:column;
  box-shadow:var(--sh-1);transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease;
}
.bank:hover{transform:translateY(-4px);box-shadow:var(--sh-3);border-color:var(--line-2)}
.bank.is-hidden{display:none}
.bank--top{border-color:rgba(15,169,88,.42);box-shadow:0 0 0 1px rgba(15,169,88,.18),var(--sh-2)}

.bank__rank{
  position:absolute;top:-11px;left:24px;
  background:linear-gradient(135deg,var(--gold),#FB923C);color:#fff;
  font-size:11.5px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;
  padding:6px 12px;border-radius:99px;box-shadow:0 4px 12px -3px rgba(245,158,11,.6);
}

.bank__head{display:flex;align-items:center;gap:14px;margin-bottom:16px}
.bank__logo{
  width:54px;height:54px;flex-shrink:0;border-radius:14px;background:var(--bg);
  border:1px solid var(--line);display:grid;place-items:center;padding:9px;
}
.bank__logo img{max-height:100%;width:auto;object-fit:contain}
.bank__name{font-size:19px;color:var(--ink)}
.bank__meta{font-size:13px;color:var(--muted);margin-top:3px}

.bank__bonus{
  display:flex;align-items:center;gap:9px;font-size:13.5px;font-weight:600;color:#0F7D45;
  background:rgba(15,169,88,.08);border:1px solid rgba(15,169,88,.16);
  padding:9px 12px;border-radius:11px;margin-bottom:18px;line-height:1.35;min-height:56px;
}
.bank__bonus svg{width:17px;height:17px;flex-shrink:0;stroke:var(--cta);stroke-width:1.8;fill:none;stroke-linecap:round;stroke-linejoin:round}

.specs{display:flex;flex-direction:column;gap:0;margin-bottom:22px;flex:1}
.specs > div{
  display:flex;align-items:baseline;justify-content:space-between;gap:14px;
  padding:11px 0;border-bottom:1px dashed var(--line);
}
.specs > div:last-child{border-bottom:0}
.specs dt{font-size:13.8px;color:var(--muted);line-height:1.35}
.specs dd{font-size:15px;font-weight:700;color:var(--ink);text-align:right;white-space:nowrap}
.specs dd.ok{color:#0F7D45}
.specs dd.no{color:#9AA3B2;font-weight:600}

.bank__act{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:auto}

.banks__empty{text-align:center;color:var(--muted);padding:40px 0}
.disclaimer{margin-top:34px;font-size:13px;color:var(--muted);text-align:center;max-width:820px;margin-left:auto;margin-right:auto;line-height:1.55}

/* ---------- Карточки услуг ---------- */
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 26px;
  box-shadow:var(--sh-1);transition:transform .22s,box-shadow .22s;
}
.card:hover{transform:translateY(-4px);box-shadow:var(--sh-2)}
.card__ico{
  display:grid;place-items:center;width:48px;height:48px;border-radius:14px;padding:11px;margin-bottom:16px;
  background:linear-gradient(135deg,rgba(37,99,235,.12),rgba(6,182,212,.14));
}
.card__ico svg{stroke:var(--brand);stroke-width:1.8;fill:none;stroke-linecap:round;stroke-linejoin:round}
.card h3{font-size:19px;margin-bottom:9px;color:var(--ink)}
.card p{color:var(--muted);font-size:15px;margin-bottom:16px}

.cta-strip{
  margin-top:34px;padding:34px 38px;border-radius:var(--r-xl);
  background:linear-gradient(120deg,var(--ink) 0%,#16224A 60%,#123055 100%);
  color:#fff;display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap;
  box-shadow:var(--sh-2);position:relative;overflow:hidden;
}
.cta-strip::before{
  content:"";position:absolute;right:-60px;top:-80px;width:340px;height:340px;border-radius:50%;
  background:radial-gradient(circle,rgba(6,182,212,.30),transparent 65%);pointer-events:none;
}
.cta-strip h3{font-size:24px;margin-bottom:7px;position:relative}
.cta-strip p{color:rgba(255,255,255,.72);font-size:16px;max-width:620px;position:relative}
.cta-strip .btn{position:relative;flex-shrink:0}

/* ---------- Шаги ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
.step{
  background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:26px 22px;
  position:relative;box-shadow:var(--sh-1);
}
.step__n{
  display:inline-block;font-size:34px;font-weight:800;letter-spacing:-.04em;margin-bottom:10px;
  background:linear-gradient(135deg,var(--brand),var(--brand-2));
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.step h3{font-size:17.5px;margin-bottom:7px;color:var(--ink)}
.step p{color:var(--muted);font-size:14.6px}

/* ---------- Статистика ---------- */
.stats{
  display:grid;grid-template-columns:repeat(4,1fr);gap:1px;margin-top:44px;
  background:var(--line);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;
}
.stat{background:var(--card);padding:30px 22px;text-align:center}
.stat b{
  font-size:clamp(32px,4vw,44px);font-weight:800;letter-spacing:-.035em;color:var(--ink);
  font-variant-numeric:tabular-nums;
}
.stat span{font-size:26px;font-weight:800;color:var(--brand);letter-spacing:-.03em}
.stat p{color:var(--muted);font-size:14.5px;margin-top:6px}

/* ---------- ЕГРЮЛ ---------- */
.egrul{
  display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:center;
  background:var(--card);border:1px solid var(--line);border-radius:var(--r-xl);
  padding:42px 44px;box-shadow:var(--sh-1);
}
.egrul h2{font-size:clamp(24px,3vw,33px);margin-bottom:14px;color:var(--ink)}
.egrul p{color:var(--muted);font-size:16.5px;margin-bottom:14px}
.egrul p b{color:var(--ink)}
.warn{
  display:flex;align-items:flex-start;gap:11px;font-size:15px!important;color:#9A3412!important;font-weight:600;
  background:rgba(245,158,11,.09);border:1px solid rgba(245,158,11,.25);border-radius:var(--r);padding:13px 15px;
}
.warn svg{width:20px;height:20px;flex-shrink:0;margin-top:1px;stroke:var(--gold);stroke-width:2;fill:none;stroke-linecap:round;stroke-linejoin:round}
.egrul__pic{max-width:260px;margin-inline:auto}

/* ---------- Отзывы ---------- */
.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.review{
  margin:0;background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 26px;
  box-shadow:var(--sh-1);display:flex;flex-direction:column;
}
.stars{color:var(--gold);font-size:17px;letter-spacing:2px;margin-bottom:14px}
.review blockquote{margin:0 0 20px;font-size:15.4px;color:var(--txt);line-height:1.62;flex:1}
.review figcaption{display:flex;align-items:center;gap:12px;padding-top:18px;border-top:1px solid var(--line)}
.ava{
  width:42px;height:42px;border-radius:50%;flex-shrink:0;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;font-weight:700;font-size:14px;
}
.review figcaption b{display:block;font-size:15px;color:var(--ink)}
.review figcaption small{display:block;font-size:13px;color:var(--muted)}

/* ---------- Аккордеон ---------- */
.acc{display:flex;flex-direction:column;gap:12px}
.acc__item{background:var(--card);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;transition:box-shadow .2s,border-color .2s}
.acc__item[open]{box-shadow:var(--sh-2);border-color:var(--line-2)}
.acc__item summary{
  padding:20px 54px 20px 24px;font-size:17px;font-weight:650;color:var(--ink);cursor:pointer;
  position:relative;list-style:none;transition:color .18s;
}
.acc__item summary::-webkit-details-marker{display:none}
.acc__item summary:hover{color:var(--brand)}
.acc__item summary::after{
  content:"";position:absolute;right:24px;top:50%;width:11px;height:11px;
  border-right:2.4px solid var(--muted);border-bottom:2.4px solid var(--muted);
  transform:translateY(-70%) rotate(45deg);transition:transform .25s;
}
.acc__item[open] summary::after{transform:translateY(-20%) rotate(-135deg);border-color:var(--brand)}
.acc__body{padding:0 24px 22px;display:flex;flex-direction:column;gap:12px}
.acc__body p{color:var(--muted);font-size:15.5px;line-height:1.68}
.acc__body b{color:var(--ink)}

/* ---------- Footer ---------- */
.ftr{background:var(--ink);color:rgba(255,255,255,.72);padding:64px 0 28px;margin-bottom:0}
.ftr__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.10)}
.ftr__brand p{font-size:14.6px;margin-top:16px;max-width:340px;line-height:1.65}
.ftr h4{color:#fff;font-size:15px;margin-bottom:16px}
.ftr__nav{display:flex;flex-direction:column;gap:11px}
.ftr__nav a{font-size:14.6px;transition:color .18s}
.ftr__nav a:hover{color:#fff}
.ftr__contact{display:flex;flex-direction:column;gap:11px;align-items:flex-start}
.ftr__contact a{font-size:14.6px}
.ftr__phone{font-size:21px!important;font-weight:700;color:#fff!important;letter-spacing:-.02em}
.ftr__contact .btn{margin-top:8px}
.ftr__bottom{padding-top:24px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.ftr__bottom p{font-size:12.8px;color:rgba(255,255,255,.45);line-height:1.6;max-width:860px}
.ftr__ad{white-space:nowrap}

/* ---------- Мобильная панель ---------- */
.mobilebar{
  display:none;position:fixed;left:0;right:0;bottom:0;z-index:80;padding:11px 16px calc(11px + env(safe-area-inset-bottom));
  background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-top:1px solid var(--line);
}

/* ---------- Модалка ---------- */
.modal{position:fixed;inset:0;z-index:120;display:grid;place-items:center;padding:20px}
.modal[hidden]{display:none}
.modal__backdrop{position:absolute;inset:0;background:rgba(6,11,28,.62);backdrop-filter:blur(4px);animation:fade .22s ease}
.modal__box{
  position:relative;background:var(--card);border-radius:var(--r-xl);width:min(560px,100%);
  max-height:min(88vh,900px);overflow:auto;box-shadow:var(--sh-3);
  animation:pop .26s cubic-bezier(.2,.9,.3,1.2) both;
}
@keyframes pop{from{opacity:0;transform:translateY(16px) scale(.97)}to{opacity:1;transform:none}}
.modal__x{
  position:absolute;top:14px;right:14px;width:38px;height:38px;border-radius:11px;padding:10px;z-index:3;
  background:rgba(255,255,255,.9);border:1px solid var(--line);transition:.18s;
}
.modal__x svg{stroke:var(--muted);stroke-width:2.2;fill:none;stroke-linecap:round}
.modal__x:hover{background:var(--bg-alt)}
.modal__x:hover svg{stroke:var(--ink)}
.modal__content{padding:30px}

.mhead{display:flex;align-items:center;gap:14px;margin-bottom:18px;padding-right:40px}
.mhead .bank__logo{width:50px;height:50px}
.mhead h3{font-size:21px;color:var(--ink)}
.mhead p{font-size:13.5px;color:var(--muted);margin-top:2px}
.mtable{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;margin-bottom:18px}
.mtable div{display:flex;justify-content:space-between;gap:16px;padding:11px 15px;font-size:14.5px}
.mtable div:nth-child(odd){background:var(--bg)}
.mtable dt,.mtable span:first-child{color:var(--muted)}
.mtable span:last-child{font-weight:700;color:var(--ink);text-align:right}
.mnote{font-size:14.5px;color:var(--muted);background:var(--bg);border-radius:var(--r);padding:14px 16px;margin-bottom:20px;line-height:1.6}
.mnote b{color:var(--ink)}
.mform{display:flex;flex-direction:column;gap:14px}
.mform h4{font-size:16.5px;color:var(--ink)}
.checks{display:flex;flex-wrap:wrap;gap:8px}
.checks .opt span{padding:9px 13px;font-size:14px;border-radius:99px}
.checks .opt span::before{width:15px;height:15px;border-radius:5px}
.modal .btn--cta{margin-top:2px}

/* ---------- Cookie ---------- */
.cookie{
  position:fixed;left:20px;bottom:20px;z-index:110;max-width:460px;
  background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:18px 20px;
  box-shadow:var(--sh-3);display:flex;align-items:center;gap:16px;animation:pop .3s ease both;
}
.cookie[hidden]{display:none}
.cookie p{font-size:13.6px;color:var(--muted);line-height:1.55}
.cookie .btn{flex-shrink:0}

/* ---------- Страница со встроенным сервисом ФНС ---------- */
.embedpage{padding:26px 0 72px;background:var(--bg)}

.crumbs{display:flex;align-items:center;gap:9px;font-size:13.5px;color:var(--muted);margin-bottom:20px;flex-wrap:wrap}
.crumbs a{color:var(--brand);font-weight:600}
.crumbs a:hover{text-decoration:underline}
.crumbs span[aria-hidden]{opacity:.5}

.embedhead{display:flex;align-items:flex-end;justify-content:space-between;gap:24px;margin-bottom:16px;flex-wrap:wrap}
.embedhead h1{font-size:clamp(25px,3.4vw,36px);color:var(--ink);margin-bottom:9px}
.embedhead p{color:var(--muted);font-size:16.5px;max-width:720px}
.embedhead p b{color:var(--ink)}
.embedhead .btn{flex-shrink:0}

.embedsrc{
  display:flex;align-items:flex-start;gap:10px;font-size:13.5px;color:var(--muted);line-height:1.55;
  background:rgba(37,99,235,.05);border:1px solid rgba(37,99,235,.16);
  border-radius:var(--r);padding:12px 15px;margin-bottom:16px;
}
.embedsrc svg{width:18px;height:18px;flex-shrink:0;margin-top:1px;stroke:var(--brand);stroke-width:1.8;fill:none;stroke-linecap:round;stroke-linejoin:round}
.embedsrc__t{min-width:0}
.embedsrc b{font-weight:700;color:var(--ink);white-space:nowrap}

.embed{
  position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);
  overflow:hidden;box-shadow:var(--sh-2);
  height:clamp(640px,78vh,1000px);
}
.embed[hidden]{display:none!important}
.embed__frame{display:block;width:100%;height:100%;border:0}

.embed__loader{
  position:absolute;inset:0;z-index:2;display:grid;place-content:center;justify-items:center;gap:14px;
  background:#fff;color:var(--muted);font-size:14.5px;
}
.embed__loader[hidden]{display:none!important}
.spinner{
  width:34px;height:34px;border-radius:50%;
  border:3px solid var(--line);border-top-color:var(--brand);
  animation:spin .8s linear infinite;
}
@keyframes spin{to{transform:rotate(360deg)}}

.embed__hint{
  margin-top:12px;font-size:14px;color:var(--muted);text-align:center;
  background:rgba(245,158,11,.09);border:1px solid rgba(245,158,11,.24);
  border-radius:var(--r);padding:11px 15px;
}
.embed__hint a{color:var(--brand);font-weight:600;text-decoration:underline;text-underline-offset:2px}

.warn--wide{margin-top:16px}

.cta-strip--embed{margin-top:32px}
.cta-strip--embed h2{font-size:24px;margin-bottom:7px;position:relative}
.cta-strip__btns{display:flex;gap:12px;flex-wrap:wrap;position:relative;flex-shrink:0}

.embedseo{margin-top:48px;max-width:860px}
.embedseo h2{font-size:23px;color:var(--ink);margin:34px 0 12px}
.embedseo h2:first-child{margin-top:0}
.embedseo h3{font-size:17.5px;color:var(--ink);margin-bottom:10px}
.embedseo p{color:var(--muted);font-size:15.8px;line-height:1.7;margin-bottom:12px}
.embedseo__grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.embedseo__grid article{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:24px 26px;box-shadow:var(--sh-1)}
.embedseo__grid ul{display:flex;flex-direction:column;gap:8px}
.embedseo__grid li{
  position:relative;padding-left:22px;color:var(--muted);font-size:15px;line-height:1.55;
}
.embedseo__grid li::before{
  content:"";position:absolute;left:2px;top:8px;width:7px;height:7px;border-radius:50%;
  background:var(--brand);opacity:.55;
}

@media (max-width:860px){
  .embed{height:clamp(560px,72vh,820px);border-radius:var(--r)}
  .embedhead{align-items:flex-start}
  .embedhead .btn{width:100%}
  .cta-strip__btns{width:100%}
  .cta-strip__btns .btn{flex:1 1 200px}
  .embedseo__grid{grid-template-columns:1fr}
}

@media (max-width:600px){
  .embedpage{padding:18px 0 56px}
  .embed{height:78vh;min-height:520px}
  .embed__fallback{padding:32px 20px}
}

/* ---------- Юридические страницы ---------- */
.doc{padding:52px 0 72px}
.doc__back{display:inline-flex;align-items:center;gap:8px;color:var(--brand);font-weight:600;font-size:15px;margin-bottom:22px}
.doc h1{font-size:clamp(26px,3.4vw,36px);color:var(--ink);margin-bottom:10px}
.doc__upd{color:var(--muted);font-size:14px;margin-bottom:28px}
.doc__body{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);padding:36px 38px;box-shadow:var(--sh-1)}
.doc__body h2{font-size:20px;color:var(--ink);margin:28px 0 10px}
.doc__body h2:first-child{margin-top:0}
.doc__body p,.doc__body li{color:var(--txt);font-size:15.5px;line-height:1.7;margin-bottom:10px}
.doc__body ul{margin:0 0 14px;padding-left:20px}
.doc__body li{list-style:disc}
.doc__body mark{background:rgba(245,158,11,.22);color:#8A4B00;padding:1px 5px;border-radius:4px;font-weight:600}
@media (max-width:600px){.doc__body{padding:24px 20px}}

/* ---------- Анимации появления ---------- */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .55s ease,transform .55s cubic-bezier(.2,.7,.3,1)}
.reveal.is-in{opacity:1;transform:none}

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

/* =========================================================
   Адаптив
   ========================================================= */
@media (max-width:1080px){
  .hero__in{grid-template-columns:1fr;gap:38px}
  .quickcard{max-width:560px}
  .banks,.cards3,.reviews{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .ftr__grid{grid-template-columns:1fr 1fr;gap:34px}
}

@media (max-width:860px){
  .nav{
    position:fixed;top:var(--hdr-h);left:0;right:0;z-index:95;
    flex-direction:column;gap:2px;padding:14px 20px 22px;margin:0;
    background:var(--ink);border-bottom:1px solid rgba(255,255,255,.1);
    transform:translateY(-140%);transition:transform .3s cubic-bezier(.4,0,.2,1);
    box-shadow:0 20px 40px -20px rgba(0,0,0,.8);
  }
  .nav.is-open{transform:translateY(0)}
  .nav a{padding:13px 12px;font-size:16px}
  .burger{display:flex}
  .hdr__act .btn--cta{display:none}
  .hdr__act{margin-left:auto}

  .sec{padding:58px 0}
  .hero{padding:44px 0 44px}
  .stats{grid-template-columns:repeat(2,1fr)}
  .egrul{grid-template-columns:1fr;padding:30px 24px;gap:26px}
  .egrul__pic{max-width:200px}
  .cta-strip{padding:28px 24px;flex-direction:column;align-items:flex-start}
  .cta-strip .btn{width:100%}
  .mobilebar{display:block}
  body{padding-bottom:76px}
  .cookie{left:12px;right:12px;bottom:84px;max-width:none;flex-direction:column;align-items:stretch;text-align:left}
  .ftr{padding-bottom:20px}
  .trustbar{margin-top:36px;gap:12px;flex-direction:column;align-items:stretch;padding:16px}
  .trustbar ul{
    flex-wrap:nowrap;overflow-x:auto;gap:10px;padding-bottom:4px;
    scrollbar-width:none;-webkit-overflow-scrolling:touch;
  }
  .trustbar ul::-webkit-scrollbar{display:none}
  .trustbar li{flex:0 0 auto;min-width:78px;height:44px;padding:9px 15px}
  .trustbar img{height:21px}
}

@media (max-width:600px){
  .wrap{padding:0 16px}
  .banks,.cards3,.reviews,.steps{grid-template-columns:1fr}
  .ftr__grid{grid-template-columns:1fr;gap:28px}
  .ftr__bottom{flex-direction:column;gap:8px}
  .ftr__ad{white-space:normal}
  .quickcard{padding:22px 18px;border-radius:var(--r-lg)}
  .modal{padding:0;place-items:end center}
  .modal__box{border-radius:var(--r-xl) var(--r-xl) 0 0;max-height:92vh;width:100%}
  .modal__content{padding:26px 20px 28px}
  .hero__cta .btn{width:100%}
  .bank__act{grid-template-columns:1fr}
  .filters{justify-content:flex-start;flex-wrap:nowrap;overflow-x:auto;padding-bottom:6px;margin-inline:-16px;padding-inline:16px;scrollbar-width:none}
  .filters::-webkit-scrollbar{display:none}
  .chip{flex-shrink:0}
  .specs dt{font-size:13.4px}
}