:root{
  --bg:#080B16;
  --bg-soft:#0F1428;
  --surface:#111631;
  --card:#FFFFFF;
  --text:#0B0F1E;
  --muted:#6B7280;
  --line:rgba(124,92,255,0.12);
  --primary:#7C5CFF;
  --primary-2:#4F46E5;
  --accent:#06B6D4;
  --accent-2:#22D3EE;
  --success:#10B981;
  --radius-xl:28px;
  --radius-lg:22px;
  --shadow:0 20px 60px rgba(8,11,22,.12), 0 8px 20px rgba(8,11,22,.06);
  --shadow-soft:0 10px 30px rgba(8,11,22,.08);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:'Manrope',system-ui,-apple-system,sans-serif;
  color:var(--text);
  background:#F7F8FC;
  line-height:1.6;
  overflow-x:hidden;
}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}

/* background mesh - только за hero, не на весь сайт */
.hero-wrap{
  position:relative;
  background:#0B0F1E;
  overflow:hidden;
  /* нижняя волна для плавного перехода к светлому фону */
  border-bottom:1px solid rgba(255,255,255,.06);
}
.hero-wrap .bg-mesh{
  position:absolute;inset:0;z-index:0;
  background:
    radial-gradient(800px 600px at 15% 10%, rgba(124,92,255,.22), transparent 60%),
    radial-gradient(700px 500px at 85% 15%, rgba(6,182,214,.18), transparent 60%),
    radial-gradient(600px 500px at 50% 90%, rgba(236,72,153,.10), transparent 60%),
    linear-gradient(180deg, #0B0F1E 0%, #0F1428 100%);
  pointer-events:none;
}
.hero-wrap .bg-grid{
  position:absolute;inset:0;
  background-image:
    linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size:48px 48px;
  mask: linear-gradient(180deg, black 20%, transparent 80%);
  opacity:.6;
}
.hero-wrap .noise{
  position:absolute;inset:0;opacity:.04;
  background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noiseFilter'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noiseFilter)'/%3E%3C/svg%3E");
}
/* контент hero-wrap должен быть выше меша */
.hero, .trusted{position:relative;z-index:1}
/* Lucide иконки — элегантные, тонкие */
.lucide{stroke-width:1.75}
.icon{width:18px;height:18px;flex-shrink:0}
.icon-sm{width:16px;height:16px}
.icon-lg{width:22px;height:22px}
.brand-mark svg{width:20px;height:20px;stroke:#fff;stroke-width:2}
.point b svg, .check svg, .bento-icon svg, .faq-q i svg{width:18px;height:18px}
.bento-icon svg{width:22px;height:22px}

/* header — адаптивный: на темном фоне белый шрифт, на светлом — темный */
.header{
  position:sticky;top:0;z-index:100;
  backdrop-filter:blur(16px) saturate(180%);
  background:rgba(11,15,30,.72);
  border-bottom:1px solid rgba(255,255,255,.08);
  transition:background .35s ease, border-color .35s ease, box-shadow .35s ease;
}
.header.is-light{
  background:rgba(255,255,255,.86);
  border-bottom:1px solid rgba(11,15,30,.08);
  box-shadow:0 4px 24px rgba(11,15,30,.06);
}
.header.is-light .brand{color:#0B0F1E}
.header.is-light .brand small{color:#6B7280}
.header.is-light .nav a{color:#4B5563}
.header.is-light .nav a:hover{color:#0B0F1E}
.header.is-light .btn-egrul{
  background:#F3F4F6;border-color:#E5E7EB;color:#0B0F1E;
}
.header.is-light .btn-egrul:hover{background:#E5E7EB}

/* гарантия контраста: каждая секция явно задает фон и цвет текста */
.section, .bento, .faq, .steps, .bank, .bento-card, .faq-item{
  /* светлый фон — темный текст уже задан, белый текст тут никогда не всплывет */
}
.hero-wrap [style*="color:#fff"], .hero .hl, .footer{ /* темные секции — только тут белый текст */ }
.header-inner{
  max-width:1280px;margin:0 auto;
  padding:14px 24px;
  display:flex;align-items:center;justify-content:space-between;gap:24px;
}
.brand{
  display:flex;align-items:center;gap:12px;
  font-weight:800;font-size:22px;letter-spacing:-.02em;color:#fff;
}
.brand-mark{
  width:42px;height:42px;border-radius:50%;
  background:#fff;
  display:grid;place-items:center;
  overflow:hidden;
  box-shadow:0 8px 20px rgba(124,92,255,.22);
  padding:0;
}
.brand-mark img{width:100%;height:100%;object-fit:cover;display:block; border-radius:50%}
.brand small{
  display:block;font-weight:600;font-size:11px;letter-spacing:.14em;
  text-transform:uppercase;color:rgba(255,255,255,.6);margin-top:-2px;
}
.nav{
  display:flex;align-items:center;gap:28px;
}
.nav a{
  color:rgba(255,255,255,.72);font-weight:500;font-size:14.5px;
  position:relative;transition:.25s;
}
.nav a::after{
  content:'';position:absolute;left:0;right:0;bottom:-6px;height:2px;
  background:linear-gradient(90deg,var(--primary),var(--accent));
  transform:scaleX(0);transition:.25s;transform-origin:left;
  border-radius:2px;
}
.nav a:hover{color:#fff}
.nav a:hover::after{transform:scaleX(1)}
.nav-cta{
  display:flex;align-items:center;gap:12px;
}
.header-social{
  display:flex;align-items:center;gap:8px;
  margin-left:12px;
}
.h-icon{
  width:38px;height:38px;border-radius:50%;
  display:grid;place-items:center;
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);
  color:#fff; transition:.2s; flex-shrink:0;
}
.h-icon:hover{background:rgba(255,255,255,.14); transform:translateY(-1px)}
.h-icon svg{width:16px;height:16px; stroke-width:2}
.header.is-light .h-icon{background:#fff;border-color:#E5E7EB;color:#0B0F1E; box-shadow:0 2px 8px rgba(11,15,30,.06)}
.header.is-light .h-icon:hover{background:#F3F4F6}
.h-icon.tg:hover{color:#26A5E4; border-color:#26A5E4}
.h-icon.wa:hover{color:#25D366; border-color:#25D366}
.footer-social{
  display:flex;gap:10px; margin-top:14px;
}
.footer-social a{
  width:38px;height:38px;border-radius:50%;
  display:grid;place-items:center;
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);
  color:#fff; transition:.2s; text-decoration:none;
}
.footer-social a:hover{background:rgba(255,255,255,.14); transform:translateY(-1px)}
.footer-social a svg{width:16px;height:16px}
.footer-social a.tg:hover{color:#26A5E4; border-color:#26A5E4; background:rgba(38,165,228,.12)}
.footer-social a.wa:hover{color:#25D366; border-color:#25D366; background:rgba(37,211,102,.12)}
@media(max-width:640px){
  .header-social{gap:6px; margin-left:6px}
  .h-icon{width:34px;height:34px}
  .h-icon svg{width:14px;height:14px}
}
.btn-egrul{
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.14);
  color:#fff;padding:10px 18px;border-radius:999px;
  font-weight:600;font-size:13.5px;cursor:pointer;
  backdrop-filter:blur(10px);
  transition:.25s;display:inline-flex;align-items:center;gap:8px;
}
.btn-egrul:hover{background:rgba(255,255,255,.14);transform:translateY(-1px)}
.btn-primary{
  background:linear-gradient(135deg, var(--primary) 0%, var(--primary-2) 60%, var(--accent) 100%);
  color:#fff;border:none;padding:11px 22px;border-radius:999px;
  font-weight:700;font-size:14px;cursor:pointer;
  box-shadow:0 10px 24px rgba(124,92,255,.35);
  transition:.25s;display:inline-flex;align-items:center;gap:8px;
}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 16px 30px rgba(124,92,255,.45)}

/* hero */
.hero{
  max-width:1280px;margin:0 auto;
  padding:56px 24px 24px;
  display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;
  color:#fff;
}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);
  backdrop-filter:blur(10px);
  padding:7px 14px;border-radius:999px;
  font-size:12.5px;font-weight:600;letter-spacing:.02em;
}
.eyebrow i{width:8px;height:8px;border-radius:50%;background:#10B981;box-shadow:0 0 12px #10B981;display:inline-block;animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.6}}
.hero h1{
  margin:18px 0 16px;
  font-size:52px;line-height:.95;letter-spacing:-.04em;font-weight:800;
}
.hero h1 span{
  background:linear-gradient(135deg, #A78BFA 0%, #7C5CFF 30%, #22D3EE 100%);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;
}
.hero-lead{
  color:rgba(255,255,255,.72);font-size:17px;line-height:1.7;max-width:560px;
}
.hero-lead strong{color:#fff;font-weight:700}
.hero-points{
  margin:22px 0 28px;display:flex;flex-direction:column;gap:12px;
}
.point{
  display:flex;gap:12px;align-items:center;
  color:rgba(255,255,255,.84);font-size:14.5px;
}
.point b{
  width:28px;height:28px;border-radius:50%;
  background:rgba(16,185,129,.14);border:1px solid rgba(16,185,129,.28);
  display:grid;place-items:center;color:#10B981;font-size:14px;flex-shrink:0;
}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:6px}
.btn-ghost{
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);
  color:#fff;padding:14px 22px;border-radius:999px;font-weight:700;cursor:pointer;
  backdrop-filter:blur(10px);transition:.2s;
}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.hero-stats{
  margin-top:32px;display:grid;grid-template-columns:repeat(3,1fr);gap:14px;
}
.stat{
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.08);
  backdrop-filter:blur(12px);
  border-radius:18px;padding:18px;text-align:center;
}
.stat-num{
  font-size:28px;font-weight:800;letter-spacing:-.03em;
  background:linear-gradient(135deg,#fff, #C4B5FD);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;
}
.stat-label{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.6);margin-top:4px;font-weight:600}

/* hero visual */
.visual{
  position:relative;
}
.visual-card{
  background:linear-gradient(180deg, rgba(255,255,255,.92), rgba(255,255,255,.86));
  backdrop-filter:blur(20px);
  border-radius:32px;padding:18px;
  box-shadow:0 30px 80px rgba(0,0,0,.35), 0 0 0 1px rgba(255,255,255,.6) inset;
  overflow:hidden;
}
.visual-card img{
  width:100%;height:360px;object-fit:cover;border-radius:20px;
  background:#EDE9FE;
}
.glass{
  position:absolute;background:rgba(255,255,255,.88);
  backdrop-filter:blur(16px);
  border:1px solid rgba(255,255,255,.6);
  border-radius:20px;padding:16px 18px;
  box-shadow:0 20px 40px rgba(11,15,30,.18);
}
.glass-1{top:12%;right:-14px;animation:float 4s ease-in-out infinite}
.glass-2{bottom:18%;left:-18px;animation:float 4s ease-in-out infinite 1.2s}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
.glass-label{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:#6B7280;font-weight:700}
.glass-value{font-size:22px;font-weight:800;letter-spacing:-.03em;color:#0B0F1E;margin-top:4px}
.glass-value small{font-size:13px;color:#6B7280;font-weight:600}
.glass-trend{font-size:12px;color:#10B981;font-weight:700;margin-top:2px}

/* trusted */
.trusted{
  max-width:1280px;margin:14px auto 0;padding:0 24px;
  display:flex;align-items:center;gap:18px;flex-wrap:wrap;
  color:rgba(255,255,255,.6);font-size:13px;
}
.trusted strong{color:rgba(255,255,255,.9)}
.trusted-logos{display:flex;gap:10px;align-items:center;flex-wrap:wrap}
.trusted-logos span{
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.1);
  padding:8px 12px;border-radius:999px;color:rgba(255,255,255,.84);font-weight:600;font-size:12px;
}

/* banks */
.section{
  max-width:1280px;margin:0 auto;padding:72px 24px;
}
.section-head{text-align:center;max-width:720px;margin:0 auto 44px}
.kicker{
  display:inline-block;
  background:linear-gradient(135deg, rgba(124,92,255,.1), rgba(6,182,214,.1));
  border:1px solid rgba(124,92,255,.18);
  color:var(--primary);padding:6px 14px;border-radius:999px;
  font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
}
.section-head h2{
  margin:14px 0 12px;
  font-size:40px;line-height:1;letter-spacing:-.03em;font-weight:800;color:#0B0F1E;
}
.section-head p{color:#6B7280;font-size:17px;line-height:1.6}
.banks{
  display:grid;grid-template-columns:repeat(4,1fr);gap:20px;
}
.bank{
  background:var(--card);border-radius:28px;overflow:hidden;
  border:1px solid rgba(11,15,30,.06);
  box-shadow:var(--shadow-soft);
  display:flex;flex-direction:column;
  transition:.35s cubic-bezier(.4,0,.2,1);
  position:relative;
}
.bank::before{
  content:'';position:absolute;top:0;left:0;right:0;height:4px;
  background:linear-gradient(90deg, var(--primary), var(--accent));
  opacity:0;transition:.35s;
}
.bank:hover{transform:translateY(-8px);box-shadow:var(--shadow)}
.bank:hover::before{opacity:1}
.bank-top{padding:22px 22px 0;display:flex;align-items:center;gap:14px}
.bank-top > div:last-child{min-width:0; flex:1}
.logo-wrap{
  height:48px;
  min-width:48px;
  max-width:132px;
  width:auto;
  padding:0;
  border-radius:12px;
  background:#fff;border:1px solid rgba(11,15,30,.08);
  display:inline-flex;align-items:center;justify-content:center;
  overflow:hidden;flex-shrink:0;
  box-shadow:0 4px 14px rgba(11,15,30,.06);
}
.logo-wrap img{
  max-width:94%;
  max-height:94%;
  width:auto;
  height:auto;
  object-fit:contain;
  display:block;
}
/* чем больше логотип — тем меньше отступ (визуальный баланс) */
.logo-wrap--alfa{max-width:168px; padding:2px 4px}
.logo-wrap--psb{max-width:136px; padding:3px 6px}
.logo-wrap--tochka{max-width:64px; padding:5px}
.logo-wrap--tbank{max-width:60px; padding:5px 8px}
.logo-wrap--tochka img{border-radius:8px}
@media(max-width:640px){
  .logo-wrap{height:42px; max-width:116px; padding:0}
  .logo-wrap--alfa{max-width:142px; padding:2px 4px}
  .logo-wrap--psb{max-width:116px; padding:2px 5px}
  .logo-wrap--tbank{max-width:54px; padding:4px 6px}
  .logo-wrap--tochka{padding:4px}
}
@media(max-width:375px){
  .logo-wrap{height:38px; max-width:100px; padding:0; border-radius:10px}
  .logo-wrap--alfa{max-width:124px; padding:1px 3px}
  .logo-wrap--psb{max-width:100px; padding:2px 4px}
  .logo-wrap--tbank{max-width:52px; padding:3px 5px}
  .logo-wrap--tochka{max-width:52px; padding:3px}
}
.bank-name{font-size:17px;font-weight:800;letter-spacing:-.02em;color:#0B0F1E;line-height:1}
.bank-sub{font-size:12.5px;color:#6B7280;margin-top:4px;font-weight:500}
.rating{
  margin:14px 22px 0;
  display:inline-flex;align-items:center;gap:6px;
  background:#FFFBEB;border:1px solid #FDE68A;
  padding:7px 10px;border-radius:999px;width:fit-content;
}
.stars{display:flex;gap:2px}
.stars svg{width:14px;height:14px;fill:#F59E0B}
.rating b{color:#92400E;font-size:13px;font-weight:800;margin-left:4px}
.rating span{color:#B45309;font-size:12px;font-weight:600}
.bank-body{padding:14px 22px 0;flex:1; display:flex; flex-direction:column}
.bank-body ul{list-style:none;display:flex;flex-direction:column; gap:0}
.bank-body li{
  padding:8px 0;display:flex;align-items:flex-start;gap:8px;
  border-bottom:1px solid #F3F4F6;
  font-size:13.4px;color:#374151; line-height:1.45;
}
.bank-body li:last-child{border-bottom:none}
.bank-body li > span:last-child{flex:1; min-width:0}
.check{
  width:20px;height:20px;border-radius:50%;
  background:rgba(124,92,255,.1);color:var(--primary);
  display:grid;place-items:center;font-size:11px;font-weight:800;flex-shrink:0;
  margin-top:1px;
}
.hl{color:#0B0F1E;font-weight:800}
.badge-top{
  position:relative;
  align-self:flex-end;
  margin:12px 12px 0 12px;
  background:#0B0F1E;color:#fff;
  font-size:11px;font-weight:700;letter-spacing:.04em;
  padding:6px 10px;border-radius:999px;
  max-width:calc(100% - 24px);
  white-space:nowrap;
  z-index:1;
}
@media(max-width:640px){
  .badge-top{font-size:10.5px; padding:5px 9px; margin:10px 10px 0 10px}
}
@media(max-width:375px){
  .badge-top{font-size:10px; padding:4px 8px; max-width:calc(100% - 20px); white-space:normal; text-align:center; line-height:1.2}
}
.bank-foot{padding:18px 22px 22px}
.btn-bank{
  width:100%;justify-content:center;
  padding:14px 18px;font-size:14px;
  background:linear-gradient(135deg, #0B0F1E, #1F2937);
  color:#fff;border-radius:999px;font-weight:700;
  border:none;cursor:pointer;transition:.25s;
  display:inline-flex;align-items:center;gap:8px;
  box-shadow:0 10px 20px rgba(11,15,30,.14);
}
.btn-bank:hover{transform:translateY(-1px);box-shadow:0 14px 28px rgba(11,15,30,.18);background:linear-gradient(135deg, var(--primary), var(--primary-2))}
.btn-bank.primary-grad{background:linear-gradient(135deg, var(--primary), var(--primary-2));}
.hint{margin-top:10px;text-align:center;font-size:11.5px;color:#9CA3AF}

/* steps */
.steps{
  background:#fff;border:1px solid rgba(11,15,30,.06);
  border-radius:32px;overflow:hidden;
  display:grid;grid-template-columns:repeat(3,1fr);
  box-shadow:var(--shadow-soft);
}
.step{padding:28px 28px 26px;position:relative}
.step + .step{border-left:1px solid #F3F4F6}
.step-num{
  width:36px;height:36px;border-radius:50%;
  background:linear-gradient(135deg, var(--primary), var(--accent));
  color:#fff;display:grid;place-items:center;
  font-weight:800;font-size:14px;
}
.step h3{margin:14px 0 8px;font-size:16px;font-weight:800;letter-spacing:-.02em}
.step p{color:#6B7280;font-size:14px;line-height:1.6}
.step-arrow{
  position:absolute;right:-12px;top:50%;transform:translateY(-50%);
  width:24px;height:24px;border-radius:50%;background:#fff;
  border:1px solid #E5E7EB;color:var(--primary);
  display:grid;place-items:center;font-size:12px;z-index:1;
}

/* bento */
.bento{
  display:grid;grid-template-columns:1.4fr .9fr;grid-auto-rows:auto;gap:18px;
  margin-top:18px;
  align-items:start;
}
.bento-card{
  background:#fff;border:1px solid rgba(11,15,30,.06);
  border-radius:28px;padding:26px;position:relative;overflow:hidden;
  box-shadow:var(--shadow-soft);
  min-width:0;
}
.bento-card.large{grid-row:span 2;display:flex;flex-direction:column;justify-content:space-between; min-height:0; height:auto; align-self:start}
.bento-card h3{font-size:19px;font-weight:800;letter-spacing:-.02em}
.bento-card p{color:#6B7280;font-size:14px;margin-top:8px;line-height:1.6}
.bento-icon{
  width:48px;height:48px;border-radius:14px;
  display:grid;place-items:center;font-size:22px;
  background:linear-gradient(135deg, rgba(124,92,255,.12), rgba(6,182,214,.12));
  border:1px solid rgba(124,92,255,.14);
}
.bento-accent{
  position:absolute;right:-32px;bottom:-32px;width:280px;height:280px;
  background:radial-gradient(circle at 35% 35%, rgba(124,92,255,.16), rgba(6,182,214,.10) 45%, transparent 70%);
  border-radius:50%;
  filter:blur(0.3px);
  pointer-events:none;
  overflow:hidden;
}
.bento-accent::after{
  content:'';
  position:absolute;inset:12%;
  background: url('assets/hero.png') center/cover no-repeat;
  opacity:0.07;
  border-radius:50%;
  mix-blend-mode:luminosity;
  filter: saturate(0) blur(0.5px);
}
/* центральный элемент — заполняет пустое место, убирает градиентный квадрат */
.bento-center{
  margin:18px 0;
  display:flex;align-items:center;justify-content:center;
}
.bento-preview{
  width:100%;
  max-width:320px;
  background:#fff;
  border:1px solid #EDE9FE;
  border-radius:16px;
  box-shadow:0 10px 30px rgba(124,92,255,.10), 0 2px 8px rgba(0,0,0,.04);
  overflow:hidden;
}
.preview-head{
  display:flex;align-items:center;gap:6px;
  padding:10px 12px;
  background:linear-gradient(135deg, #F8F7FF, #F0FDFF);
  border-bottom:1px solid #EDE9FE;
  font-size:11px; font-weight:700; color:#6B7280;
}
.preview-head .dot{width:8px;height:8px;border-radius:50%; background:#E9D5FF; border:1px solid #DDD6FE}
.preview-head .dot:nth-child(2){background:#BFDBFE}
.preview-head .dot:nth-child(3){background:#A7F3D0}
.preview-title{margin-left:6px; display:inline-flex;align-items:center;gap:4px; color:#0B0F1E}
.preview-badge{
  margin-left:auto;
  background:#10B981; color:#fff;
  font-size:9px; letter-spacing:.06em; text-transform:uppercase;
  padding:3px 7px; border-radius:999px;
}
.preview-row{
  display:flex;justify-content:space-between;align-items:center;
  padding:10px 14px 4px;
  font-size:12px; font-weight:700; color:#0B0F1E;
}
.preview-bank{display:inline-flex;align-items:center;gap:6px}
.preview-price{color:var(--primary); font-weight:800}
.preview-bar{
  margin:0 14px 10px;
  height:6px; border-radius:999px;
  background:#F3F4F6; overflow:hidden;
}
.preview-fill{height:100%; border-radius:999px; background:linear-gradient(90deg, var(--primary), var(--accent))}
.preview-fill.accent{background:linear-gradient(90deg, #10B981, #06B6D4)}
.bento-journey{
  width:100%;
  max-width:340px;
  background:#fff;
  border:1px solid #EDE9FE;
  border-radius:16px;
  box-shadow:0 10px 30px rgba(124,92,255,.10), 0 2px 8px rgba(0,0,0,.04);
  overflow:hidden;
}
.journey-head{
  display:flex;align-items:center;gap:8px;
  padding:10px 14px;
  background:linear-gradient(135deg, #F8F7FF, #F0FDFF);
  border-bottom:1px solid #EDE9FE;
  font-size:11px; font-weight:700; color:#6B7280;
}
.journey-title{display:inline-flex;align-items:center;gap:5px; color:#0B0F1E}
.journey-badge{
  margin-left:auto;
  background:#10B981; color:#fff;
  font-size:9px; letter-spacing:.06em; text-transform:uppercase;
  padding:3px 8px; border-radius:999px;
}
.journey-canvas{padding:10px 12px 8px; background:#fff}
.journey-canvas svg{display:block; width:100%; height:auto}
.journey-captions{
  display:flex;justify-content:space-between;
  padding:6px 2px 2px;
  font-size:10px; font-weight:700; color:#6B7280; letter-spacing:.03em; text-transform:uppercase
}
.journey-captions span:first-child{color:var(--primary)}
.journey-captions span:last-child{color:#10B981}
@media(max-width:640px){
  .bento-center{margin:14px 0}
  .bento-preview{max-width:100%}
  .bento-journey{max-width:100%}
}

/* faq */
.faq{
  display:grid;grid-template-columns:1fr 1fr;gap:16px;
}
.faq-item{
  background:#fff;border:1px solid rgba(11,15,30,.06);
  border-radius:22px;padding:22px 22px 20px;
  box-shadow:var(--shadow-soft);transition:.25s;
}
.faq-item:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.faq-q{
  display:flex;gap:12px;align-items:flex-start;
  font-weight:800;font-size:15px;letter-spacing:-.01em;color:#0B0F1E;
}
.faq-q i{
  width:32px;height:32px;border-radius:10px;
  background:linear-gradient(135deg, rgba(124,92,255,.12), rgba(6,182,214,.12));
  display:grid;place-items:center;flex-shrink:0;font-size:14px;
}
.faq-a{margin-top:10px;margin-left:44px;color:#6B7280;font-size:14px;line-height:1.7}
.faq-a strong{color:#0B0F1E}

/* footer */
.footer{
  margin-top:24px;
  background:#0B0F1E;color:rgba(255,255,255,.7);
  border-radius:32px 32px 0 0;overflow:hidden;position:relative;
}
.footer::before{
  content:'';position:absolute;inset:0;
  background:
    radial-gradient(600px 400px at 20% 0%, rgba(124,92,255,.18), transparent 60%),
    radial-gradient(600px 400px at 90% 30%, rgba(6,182,214,.12), transparent 60%);
  pointer-events:none;
}
.footer-inner{
  max-width:1280px;margin:0 auto;padding:36px 24px;
  display:grid;grid-template-columns:1.3fr .7fr .7fr;gap:32px;
  position:relative;z-index:1;
}
.footer-brand{color:#fff;font-weight:800;font-size:20px;letter-spacing:-.02em;display:flex;gap:10px;align-items:center}
.footer-brand img{width:36px;height:36px;border-radius:50%;background:#fff;padding:0;object-fit:cover;display:block;flex-shrink:0}
.footer-desc{margin-top:10px;color:rgba(255,255,255,.6);font-size:13.5px;line-height:1.6;max-width:420px}
.footer-col h4{color:#fff;font-size:13px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.footer-col a{display:block;color:rgba(255,255,255,.6);font-size:13.5px;padding:6px 0;transition:.2s}
.footer-col a:hover{color:#fff}
.footer-bottom{
  max-width:1280px;margin:0 auto;padding:18px 24px;
  border-top:1px solid rgba(255,255,255,.08);
  display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;
  font-size:12.5px;color:rgba(255,255,255,.5);position:relative;z-index:1;
}
/* фикс футера — иконки не должны сползать */
.footer-col .footer-social{
  display:flex !important;
  gap:10px !important;
  margin-top:14px !important;
  position:static !important;
  flex-wrap:wrap;
  align-items:center;
}
.footer-col .footer-social a{
  display:grid !important;
  place-items:center !important;
  width:38px !important;
  height:38px !important;
  border-radius:50% !important;
  background:rgba(255,255,255,.08) !important;
  border:1px solid rgba(255,255,255,.12) !important;
  color:#fff !important;
  position:static !important;
  flex-shrink:0;
  padding:0 !important;
}

/* modal & egrul */
.overlay{
  position:fixed;inset:0;z-index:200;
  display:none;place-items:center;
  background:rgba(8,11,22,.58);backdrop-filter:blur(14px);
  padding:20px;
}
.overlay.open{display:grid}
.modal{
  width:min(540px, 100%);background:#fff;border-radius:28px;
  overflow:hidden;box-shadow:0 30px 80px rgba(0,0,0,.4);
  animation:pop .3s cubic-bezier(.4,0,.2,1);
}
@keyframes pop{from{opacity:0;transform:translateY(10px) scale(.98)}to{opacity:1;transform:none}}
.modal-head{
  padding:22px 24px;
  display:flex;justify-content:space-between;align-items:center;
  border-bottom:1px solid #F3F4F6;
}
.modal-head h3{font-size:18px;font-weight:800;letter-spacing:-.02em}
.modal-close{
  width:36px;height:36px;border-radius:50%;
  background:#F3F4F6;border:none;cursor:pointer;
  display:grid;place-items:center;font-size:18px;color:#6B7280;transition:.2s;
}
.modal-close:hover{background:#0B0F1E;color:#fff;transform:rotate(90deg)}
.modal-body{padding:22px 24px 24px}
.form{display:grid;gap:14px}
.form label{font-size:12px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:#6B7280}
.form input{
  width:100%;padding:13px 14px;border-radius:14px;
  border:1.5px solid #E5E7EB;background:#F9FAFB;
  font:500 14.5px 'Manrope',sans-serif;color:#0B0F1E;transition:.2s;outline:none;
}
.form input:focus{border-color:var(--primary);background:#fff;box-shadow:0 0 0 4px rgba(124,92,255,.12)}
.form input[readonly]{background:#F3F4F6;color:#6B7280}
.btn-submit{
  margin-top:4px;width:100%;justify-content:center;
  padding:15px;border-radius:999px;border:none;
  background:linear-gradient(135deg, var(--primary), var(--primary-2));
  color:#fff;font-weight:800;font-size:14.5px;cursor:pointer;
  box-shadow:0 12px 24px rgba(124,92,255,.3);transition:.2s;
}
.btn-submit:hover{transform:translateY(-1px)}

/* egrul fullscreen — адаптивный хедер без сжатия */
.egrul{
  position:fixed;inset:0;z-index:190;display:none;flex-direction:column;background:#fff;
}
.egrul.open{display:flex}
.egrul-bar{
  min-height:64px;
  display:flex;align-items:center;justify-content:space-between;gap:16px;
  padding:10px 20px;border-bottom:1px solid #E5E7EB;
  background:rgba(255,255,255,.96);backdrop-filter:blur(12px);
  flex-wrap:nowrap;
}
.egrul-bar b{
  font-weight:800;letter-spacing:-.02em;
  display:flex;gap:10px;align-items:center;
  min-width:0; flex:1 1 auto;
  line-height:1.2;
}
.egrul-bar b .egrul-title-text{white-space:nowrap; overflow:hidden; text-overflow:ellipsis}
.egrul-bar b .egrul-title-short{display:none}
.egrul-bar b i{
  width:32px;height:32px;flex-shrink:0;
  border-radius:9px;background:linear-gradient(135deg,var(--primary),var(--accent));
  display:grid;place-items:center;color:#fff
}
.egrul-actions{
  display:flex;align-items:center;gap:10px;flex-shrink:0;
}
.egrul-actions a{white-space:nowrap; display:inline-flex;align-items:center;gap:4px}
.egrul-frame{flex:1;border:none;width:100%;height:100%; min-height:0}

/* toast */
.toast{
  position:fixed;right:20px;bottom:20px;z-index:300;
  background:#0B0F1E;color:#fff;padding:14px 16px;border-radius:16px;
  box-shadow:0 20px 40px rgba(0,0,0,.3);font-size:13.5px;font-weight:600;
  display:none;align-items:center;gap:10px;
}
.toast.show{display:flex;animation:pop .25s}
.toast i{width:28px;height:28px;border-radius:50%;background:#10B981;display:grid;place-items:center;flex-shrink:0}

/* burger — скрыт на десктопе */
.burger{
  display:none;
  width:44px;height:44px;border-radius:12px;
  border:1px solid rgba(255,255,255,.14);
  background:rgba(255,255,255,.08);
  backdrop-filter:blur(10px);
  cursor:pointer;
  align-content:center;justify-items:center;gap:5px;
  padding:10px;
  transition:.2s;
  flex-shrink:0;
}
.burger span{
  display:block;width:18px;height:2px;border-radius:2px;
  background:#fff;transition:.3s;transform-origin:center;
}
.header.is-light .burger{
  background:#fff;border-color:#E5E7EB;
}
.header.is-light .burger span{background:#0B0F1E}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0;transform:scaleX(0)}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.nav-backdrop{
  position:fixed;inset:0;z-index:115;
  background:rgba(8,11,22,.45);backdrop-filter:blur(4px);
  opacity:0;pointer-events:none;transition:.3s;
}
.nav-backdrop.open{opacity:1;pointer-events:auto}
.nav .mobile-cta{display:none}
.nav--mobile{display:none}
.nav--desktop{display:flex}

/* responsive */
@media(max-width:1080px){
  .hero{grid-template-columns:1fr;gap:32px}
  .visual-card img{height:340px}
  .banks{grid-template-columns:repeat(2,1fr)}
  .bento{grid-template-columns:1fr;grid-template-rows:auto}
  .bento-card.large{grid-row:auto}
  .steps{grid-template-columns:1fr}
  .step + .step{border-left:none;border-top:1px solid #F3F4F6}
  .step-arrow{display:none}
  .footer-inner{grid-template-columns:1fr 1fr}
}
@media(max-width:960px){
  .burger{display:grid}
  .nav--desktop{display:none}
  .nav--mobile{display:flex}
  .header-inner{padding:12px 16px;gap:12px}
  .nav--mobile{
    position:fixed;top:0;right:0;bottom:0;
    width:min(360px,86vw);
    background:#0B0F1E;
    border-left:1px solid rgba(255,255,255,.08);
    flex-direction:column;align-items:stretch;
    gap:0;
    padding:72px 20px 28px;
    transform:translateX(104%);
    transition:transform .34s cubic-bezier(.4,0,.2,1);
    z-index:120;
    overflow-y:auto;
    box-shadow:-20px 0 60px rgba(0,0,0,.5);
    visibility:hidden;
  }
  .nav--mobile.open{
    transform:translateX(0);
    visibility:visible;
  }
  .nav--mobile a{
    display:block;
    padding:18px 4px;
    font-size:16px;font-weight:600;
    color:rgba(255,255,255,.92);
    border-bottom:1px solid rgba(255,255,255,.06);
    text-decoration:none;
  }
  .nav--mobile a::after{display:none}
  .nav--mobile a:hover{color:#fff}
  /* когда header светлый — мобильное меню тоже светлое чтобы не было белый-на-темном */
  .nav--mobile.nav--light{
    background:#FFFFFF;
    border-left-color:#E5E7EB;
    box-shadow:-20px 0 60px rgba(11,15,30,.12);
  }
  .nav--mobile.nav--light a{
    color:#0B0F1E;border-bottom-color:#F3F4F6;
  }
  .nav--mobile.nav--light a:hover{color:var(--primary)}
  /* фикс: кнопка Подобрать счёт всегда на фиолетовом фоне — текст остаётся белым, даже при header.is-light */
  .nav--mobile a.btn-primary,
  .nav--mobile .mobile-cta a.btn-primary,
  .nav--mobile.nav--light a.btn-primary,
  .nav--mobile.nav--light .mobile-cta a.btn-primary,
  .header.is-light .nav--mobile a.btn-primary{
    color:#fff !important;
    background:linear-gradient(135deg, var(--primary) 0%, var(--primary-2) 60%, var(--accent) 100%) !important;
    border-color:transparent !important;
  }
  .nav--mobile a.btn-primary svg,
  .nav--mobile .mobile-cta a.btn-primary svg{stroke:#fff}
  .nav--mobile.nav--light a.btn-primary:hover{color:#fff}
  .nav--mobile .mobile-cta{
    display:flex;flex-direction:column;gap:12px;
    margin-top:22px;
  }
  .nav--mobile .mobile-cta .btn-primary,
  .nav--mobile .mobile-cta .btn-egrul{
    width:100%;justify-content:center;
    padding:14px 18px;font-size:15px;
  }
  .nav--mobile .mobile-cta .btn-egrul{
    background:#F3F4F6;border-color:#E5E7EB;color:#0B0F1E;
  }
  /* секционный drawer: иконки у ссылок + контакты */
  .mobile-section{display:flex;flex-direction:column}
  .mobile-section a{display:flex !important; align-items:center; gap:12px; padding:16px 4px !important; font-size:15px !important}
  .mobile-section a i, .mobile-section a svg{width:18px;height:18px; flex-shrink:0; opacity:.9}
  .mobile-contacts{margin-top:22px; padding-top:18px; border-top:1px solid rgba(255,255,255,.08)}
  .mobile-contacts .phone-link{display:flex; align-items:center; gap:8px; font-weight:700; font-size:15px; color:#fff; padding:8px 0; text-decoration:none}
  .mobile-social{display:flex; gap:10px; margin-top:12px}
  .mobile-social a{width:40px;height:40px; border-radius:50%; display:grid !important; place-items:center; background:rgba(255,255,255,.08); border:1px solid rgba(255,255,255,.14); color:#fff; padding:0 !important}
  .mobile-social a:hover{background:rgba(255,255,255,.14)}
  .nav--mobile.nav--light .mobile-contacts{border-color:#F3F4F6}
  .nav--mobile.nav--light .mobile-contacts .phone-link{color:#0B0F1E}
  .nav--mobile.nav--light .mobile-social a{background:#F3F4F6; border-color:#E5E7EB; color:#0B0F1E}
  /* на планшете прячем десктопный primary, оставляем ЕГРЮЛ в шапке */
  .nav-cta .btn-primary{display:none}
  .nav-cta{gap:10px;margin-left:auto}
}
@media(max-width:640px){
  .header-inner{padding:10px 12px;gap:10px; flex-wrap:nowrap}
  .brand{font-size:18px;gap:8px; min-width:0; flex:1 1 auto}
  .brand span:last-child{min-width:0; overflow:hidden; text-overflow:ellipsis; white-space:nowrap}
  .nav-cta{flex-shrink:0}
  .brand-mark{width:36px;height:36px;border-radius:50%;padding:0}
  .brand small{font-size:9px;letter-spacing:.1em}
  .btn-egrul{padding:9px 12px;font-size:12.5px;white-space:nowrap}
  .burger{width:40px;height:40px}
  .hero{padding:22px 14px 14px;gap:24px}
  .hero h1{font-size:32px;line-height:1}
  .hero-lead{font-size:15px}
  .hero-stats{grid-template-columns:1fr;gap:10px}
  .visual-card{padding:12px;border-radius:24px}
  .visual-card img{height:240px}
  .glass{display:none}
  .section{padding:40px 14px}
  .section-head{margin-bottom:28px}
  .section-head h2{font-size:28px}
  .section-head p{font-size:15px}
  .banks{grid-template-columns:1fr;gap:16px}
  .bank{border-radius:22px}
  .faq{grid-template-columns:1fr;gap:12px}
  .footer-inner{grid-template-columns:1fr;gap:22px}
  .trusted{padding:0 12px;gap:10px}
  .trusted-logos span{padding:6px 10px;font-size:11px}
}
/* скрытие названия — 515 (было 375 мало) */
@media(max-width:515px){
  .brand span:last-child{display:none}
}
@media(max-width:375px){
  .header-inner{padding:10px 10px;gap:8px}
  .brand{font-size:16px}
  .header-social{display:none}
  .btn-egrul{padding:8px 10px;font-size:12px}
  .hero h1{font-size:26px}
  .hero-actions{flex-direction:column}
  .hero-actions .btn-primary,
  .hero-actions .btn-ghost{width:100%;justify-content:center}
  .nav{width:100vw;padding:64px 16px 24px}
  .nav a{font-size:15px;padding:16px 4px}
}
@media(max-width:320px){
  .brand{font-size:15px}
  .brand-mark{width:32px;height:32px;border-radius:50%;padding:0}
  .hero h1{font-size:24px}
}
/* EGRUL header — красивое адаптивное сжатие (планшет/мобилка/мини) */
@media(max-width:960px){
  .egrul-bar{padding:10px 16px; gap:12px}
  .egrul-bar b{font-size:15px}
}
@media(max-width:640px){
  .egrul-bar{
    flex-wrap:wrap;
    min-height:auto;
    padding:10px 12px;
    gap:10px;
    align-items:flex-start;
  }
  .egrul-bar b{font-size:14px; line-height:1.25}
  .egrul-bar b .egrul-title-text{display:none}
  .egrul-bar b .egrul-title-short{display:inline}
  .egrul-bar b i{width:28px;height:28px; border-radius:8px}
  .egrul-actions{
    width:100%;
    justify-content:space-between;
    gap:8px;
    flex-wrap:wrap;
  }
  .egrul-actions a{font-size:12.5px; flex:1 1 auto; justify-content:center; padding:8px 10px; border:1px solid #E5E7EB; border-radius:999px; background:#F9FAFB}
  .egrul-actions a .long{display:none}
  .egrul-actions a .short{display:inline !important}
  .egrul-actions .btn-primary{padding:8px 14px; font-size:13px; flex-shrink:0}
}
@media(max-width:375px){
  .egrul-bar{padding:10px; gap:8px}
  .egrul-bar b{font-size:13px; gap:8px}
  .egrul-bar b i{width:26px;height:26px}
  .egrul-actions{gap:6px}
  .egrul-actions a{font-size:12px; padding:7px 10px}
  .egrul-actions .btn-primary{padding:7px 12px; font-size:12.5px}
}
@media(max-width:320px){
  .egrul-bar{padding:8px 10px}
  .egrul-actions a{padding:6px 8px}
}