/* =========================================================
   Светлая премиум-стилистика письма 03b-light-premium:
   белый фон, чернильный текст, тонкие линии, цвет — только
   у банков. Без зависимостей и внешних шрифтов.
   ========================================================= */

:root {
  --ink:    #14141a;
  --ink-2:  #2a2a35;
  --muted:  #6b6b78;
  --faint:  #9a9aa6;
  --line:   #e8e8ee;
  --line-2: #f0f0f4;
  --panel:  #f6f6f9;
  --bg:     #ffffff;
  --ok:     #157347;
  --r:      16px;
  --r-lg:   20px;
  --wrap:   1180px;
  --shadow: 0 1px 2px rgba(20, 20, 26, .04), 0 12px 32px rgba(20, 20, 26, .05);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font: 400 16px/1.6 -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; border: 0; }
a { color: inherit; text-decoration: none; }
button { font: inherit; }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.wrap--narrow { max-width: 820px; }

.skip {
  position: absolute; left: -9999px; top: 0; z-index: 100;
  background: var(--ink); color: #fff; padding: 12px 18px; border-radius: 0 0 10px 0;
}
.skip:focus { left: 0; }

.hp { position: absolute; left: -9999px; opacity: 0; }

/* ---------------- Типографика ---------------- */

.eyebrow {
  display: block;
  font-size: 11px; letter-spacing: 3.5px; text-transform: uppercase;
  color: var(--faint); font-weight: 600;
}

h1 {
  margin: 20px 0 0;
  font-size: clamp(34px, 5vw, 52px); line-height: 1.14;
  font-weight: 300; letter-spacing: -.9px; color: var(--ink);
}
h1 b { font-weight: 700; }

h2 { margin: 0; font-size: clamp(26px, 3.4vw, 36px); line-height: 1.2; font-weight: 300; letter-spacing: -.6px; }
h3 { margin: 0; font-size: 19px; line-height: 1.35; font-weight: 700; letter-spacing: -.2px; }

.lead { margin: 18px 0 0; font-size: 17px; line-height: 1.65; color: var(--muted); max-width: 30em; }

.note { margin: 22px 0 0; font-size: 13px; color: var(--faint); display: flex; align-items: center; gap: 8px; }
.note .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--ok); flex: none; }

.disclaimer { margin: 34px 0 0; font-size: 12.5px; line-height: 1.7; color: var(--faint); }

/* ---------------- Кнопки ---------------- */

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  border: 1px solid transparent; border-radius: 10px;
  padding: 13px 22px; font-size: 15px; font-weight: 600; letter-spacing: -.1px;
  cursor: pointer; transition: background .16s, color .16s, border-color .16s, transform .12s;
  text-align: center;
}
.btn:active { transform: translateY(1px); }
.btn--sm  { padding: 10px 16px; font-size: 14px; }
.btn--lg  { padding: 17px 28px; font-size: 16px; }
.btn--block { display: flex; width: 100%; }

.btn--ink { background: var(--ink); color: #fff; }
.btn--ink:hover { background: var(--ink-2); }

.btn--soft { background: var(--panel); color: var(--ink); border-color: var(--line); }
.btn--soft:hover { background: #eeeef4; }

.btn--ghost { background: #fff; color: var(--ink); border-color: var(--line); }
.btn--ghost:hover { border-color: #d5d5df; background: #fbfbfd; }

.btn--bank { background: var(--btn, var(--ink)); color: #fff; padding: 16px; font-size: 15.5px; }
.btn--bank:hover { filter: brightness(.93); }

.linkbtn {
  background: none; border: 0; padding: 0; cursor: pointer;
  color: var(--ink); font-weight: 600; font-size: 14.5px;
  border-bottom: 1px solid var(--line); line-height: 1.9;
}
.linkbtn:hover { border-color: var(--ink); }

/* ---------------- Шапка ---------------- */

.hdr {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .88); backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent; transition: border-color .2s;
}
.hdr.is-stuck { border-color: var(--line); }
.hdr__in { display: flex; align-items: center; gap: 24px; height: 68px; }

.logo { display: inline-flex; align-items: center; gap: 10px; }
.logo__mark {
  width: 26px; height: 26px; border-radius: 8px; flex: none;
  background: var(--ink);
  box-shadow: inset 0 0 0 4px #fff, inset 0 0 0 5px var(--ink);
}
.logo__txt { font-weight: 700; letter-spacing: -.3px; font-size: 16.5px; }

.nav { display: flex; gap: 26px; margin-left: auto; }
.nav a { font-size: 14.5px; color: var(--muted); }
.nav a:hover { color: var(--ink); }

.hdr__act { display: flex; align-items: center; gap: 10px; }

.burger { display: none; width: 40px; height: 40px; border: 1px solid var(--line); border-radius: 10px; background: #fff; cursor: pointer; padding: 0; }
.burger span { display: block; width: 16px; height: 1.5px; background: var(--ink); margin: 3px auto; }

/* ---------------- Первый экран ---------------- */

.hero { padding: 56px 0 8px; }
.hero__in { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: start; }
/* Без этого колонка раздувается до min-content карточки квиза (поля ввода
   имеют собственную внутреннюю ширину) и на узких экранах вылезает вбок. */
.hero__in > * { min-width: 0; }

.usp { list-style: none; margin: 28px 0 0; padding: 0; display: grid; gap: 12px; }
.usp li { display: flex; align-items: flex-start; gap: 11px; font-size: 15px; color: var(--ink); }
.usp svg { width: 18px; height: 18px; flex: none; margin-top: 2px; fill: none; stroke: var(--ok); stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }

.hero__cta { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }

.trustbar {
  display: flex; align-items: center; gap: 28px; flex-wrap: wrap;
  margin: 52px 0 0; padding: 22px 26px;
  background: var(--panel); border-radius: var(--r);
}
.trustbar__lbl { font-size: 11px; letter-spacing: 2.5px; text-transform: uppercase; color: var(--faint); font-weight: 600; }
.trustbar ul { list-style: none; display: flex; align-items: center; gap: 30px; flex-wrap: wrap; margin: 0; padding: 0; }
.trustbar img { height: 22px; width: auto; opacity: .6; filter: grayscale(1); transition: opacity .2s, filter .2s; }
.trustbar li:hover img { opacity: 1; filter: none; }

/* ---------------- Карточка квиза ---------------- */

.quickcard {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 26px; box-shadow: var(--shadow); position: sticky; top: 92px;
}
.quickcard__head { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; }
.quickcard__head h2 { font-size: 21px; font-weight: 700; letter-spacing: -.3px; }
.quickcard__step { font-size: 12px; color: var(--faint); white-space: nowrap; }

.progress { height: 3px; background: var(--line-2); border-radius: 3px; margin: 16px 0 22px; overflow: hidden; }
.progress i { display: block; height: 100%; background: var(--ink); border-radius: 3px; transition: width .3s ease; }

.quiz__step { display: none; }
.quiz__step.is-active { display: block; animation: fade .25s ease; }
@keyframes fade { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }

.quiz__q { margin: 0 0 16px; font-size: 16px; font-weight: 600; }

.opts { display: grid; gap: 8px; }
.opt { display: block; position: relative; cursor: pointer; }
.opt input { position: absolute; opacity: 0; width: 0; height: 0; }
.opt span {
  display: block; padding: 13px 16px; border: 1px solid var(--line); border-radius: 10px;
  font-size: 14.5px; transition: border-color .15s, background .15s;
}
.opt:hover span { border-color: #d5d5df; }
.opt input:checked + span { border-color: var(--ink); background: var(--panel); font-weight: 600; }
.opt input:focus-visible + span { outline: 2px solid var(--ink); outline-offset: 2px; }

.fields { display: grid; gap: 14px; }
.field { display: block; }
.field__lbl { display: block; font-size: 13px; color: var(--muted); margin-bottom: 7px; }
.field__lbl i { color: #d92310; font-style: normal; }
.field input, .field textarea {
  width: 100%; min-width: 0; padding: 13px 15px; border: 1px solid var(--line); border-radius: 10px;
  font: inherit; font-size: 15px; color: var(--ink); background: #fff;
}
.field input:focus { outline: none; border-color: var(--ink); }
.field input[aria-invalid="true"] { border-color: #d92310; }
.field__hint { display: block; font-size: 12px; color: var(--faint); margin-top: 6px; }

.quiz__nav { display: flex; gap: 10px; margin-top: 22px; }

.legal { margin: 16px 0 0; font-size: 11.5px; line-height: 1.6; color: var(--faint); }
.legal a { color: var(--muted); border-bottom: 1px solid var(--line); }

.quiz__done { text-align: center; padding: 20px 0 8px; }
.done__ico {
  width: 52px; height: 52px; border-radius: 50%; background: #e9f6ef;
  display: grid; place-items: center; margin: 0 auto 16px;
}
.done__ico svg { width: 24px; height: 24px; fill: none; stroke: var(--ok); stroke-width: 2.6; stroke-linecap: round; stroke-linejoin: round; }
.quiz__done p { color: var(--muted); font-size: 14.5px; }

/* ---------------- Секции ---------------- */

.sec { padding: 84px 0; }
.sec--alt { background: var(--panel); }

.sechead { max-width: 720px; margin: 0 0 40px; }
.sechead h2 { margin: 14px 0 0; }
.sechead p { margin: 14px 0 0; color: var(--muted); font-size: 16px; }

/* ---------------- Фильтры ---------------- */

.filters { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 30px; }
.chip {
  padding: 9px 16px; border: 1px solid var(--line); border-radius: 999px;
  background: #fff; font-size: 13.5px; color: var(--muted); cursor: pointer;
  transition: border-color .15s, color .15s, background .15s;
}
.chip:hover { border-color: #d5d5df; color: var(--ink); }
.chip.is-active { background: var(--ink); border-color: var(--ink); color: #fff; font-weight: 600; }

/* ---------------- Карточки банков ---------------- */

.banks { display: grid; grid-template-columns: repeat(auto-fill, minmax(360px, 1fr)); gap: 20px; }

.bank {
  background: #fff; border: 2px solid var(--line); border-radius: var(--r);
  padding: 22px 24px 24px; display: flex; flex-direction: column;
}
.bank--top { border-color: var(--c); }
.bank.is-hidden { display: none; }

.bank__ribbon { display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 14px; }
.bank__label { font-size: 10px; letter-spacing: 2.5px; text-transform: uppercase; font-weight: 700; color: var(--c); }
.bank__place { font-size: 10px; letter-spacing: 2px; text-transform: uppercase; color: var(--faint); white-space: nowrap; }

.bank__head { display: flex; align-items: center; gap: 14px; margin-top: 12px; }
.bank__logo { width: 44px; height: 44px; flex: none; display: grid; place-items: center; background: var(--panel); border-radius: 11px; }
.bank__logo img { max-width: 28px; max-height: 22px; width: auto; }
.bank__name { font-size: 24px; font-weight: 700; letter-spacing: -.4px; }
.bank__meta { margin: 2px 0 0; font-size: 13px; color: var(--faint); }

.bank__hl { margin: 12px 0 0; font-size: 14px; line-height: 1.45; font-weight: 700; color: var(--c); }

.tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 18px; }
.tile { background: var(--tint); border-radius: 10px; padding: 14px; }
.tile b { display: block; font-size: 19px; font-weight: 700; letter-spacing: -.4px; color: var(--ink); }
.tile b.is-accent { color: var(--c); }
.tile span { display: block; margin-top: 4px; font-size: 12px; line-height: 1.35; color: #7a7a88; }

.specs { margin: 18px 0 0; padding: 0; display: grid; gap: 0; }
.specs > div { display: flex; justify-content: space-between; gap: 14px; padding: 10px 0; border-top: 1px solid var(--line-2); }
.specs dt { font-size: 13.5px; color: var(--muted); }
.specs dd { margin: 0; font-size: 13.5px; font-weight: 600; text-align: right; }
.specs dd.ok { color: var(--ok); }
.specs dd.no { color: var(--faint); font-weight: 400; }

.bank__act { margin-top: auto; padding-top: 20px; display: grid; gap: 9px; }

.banks__empty { margin: 30px 0 0; color: var(--muted); }

/* ---------------- Эквайринг ---------------- */

.cards3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 26px; }
.card__ico { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 11px; background: var(--panel); margin-bottom: 18px; }
.card__ico svg { width: 20px; height: 20px; fill: none; stroke: var(--ink); stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.card p { margin: 10px 0 16px; font-size: 14.5px; line-height: 1.6; color: var(--muted); }

.strip {
  margin-top: 24px; padding: 32px; background: var(--ink); color: #fff; border-radius: var(--r-lg);
  display: flex; align-items: center; justify-content: space-between; gap: 28px; flex-wrap: wrap;
}
.strip h3 { font-size: 22px; font-weight: 300; letter-spacing: -.3px; }
.strip p { margin: 8px 0 0; color: rgba(255, 255, 255, .66); font-size: 14.5px; max-width: 46em; }
.strip .btn--ink { background: #fff; color: var(--ink); }
.strip .btn--ink:hover { background: #ececf2; }

/* ---------------- Шаги и цифры ---------------- */

.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 24px; }
.step { padding-top: 22px; border-top: 2px solid var(--ink); opacity: 0; transform: translateY(12px); transition: opacity .5s, transform .5s; }
.step.is-in { opacity: 1; transform: none; }
.step__n { display: block; font-size: 12px; font-weight: 700; letter-spacing: 2px; color: var(--faint); margin-bottom: 12px; }
.step p { margin: 8px 0 0; font-size: 14.5px; line-height: 1.6; color: var(--muted); }

.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 20px; margin-top: 56px; padding-top: 40px; border-top: 1px solid var(--line); }
.stat b { font-size: 40px; font-weight: 300; letter-spacing: -1.5px; }
.stat span { font-size: 24px; font-weight: 300; color: var(--faint); }
.stat p { margin: 6px 0 0; font-size: 13.5px; color: var(--muted); }

/* ---------------- Отзывы ---------------- */

.reviews { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 20px; }
.review { margin: 0; background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 26px; opacity: 0; transform: translateY(12px); transition: opacity .5s, transform .5s; }
.review.is-in { opacity: 1; transform: none; }
.stars { color: #d9a520; font-size: 14px; letter-spacing: 2px; }
.review blockquote { margin: 14px 0 20px; font-size: 15px; line-height: 1.65; color: var(--ink); }
.review figcaption { display: flex; align-items: center; gap: 12px; padding-top: 18px; border-top: 1px solid var(--line-2); }
.ava { width: 38px; height: 38px; border-radius: 50%; background: var(--panel); display: grid; place-items: center; font-size: 13px; font-weight: 700; color: var(--muted); flex: none; }
.review figcaption b { display: block; font-size: 14.5px; }
.review figcaption small { display: block; font-size: 12.5px; color: var(--faint); }

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

.acc { border-top: 1px solid var(--line); }
.acc__item { border-bottom: 1px solid var(--line); }
.acc__item summary {
  list-style: none; cursor: pointer; padding: 22px 40px 22px 0; position: relative;
  font-size: 17px; font-weight: 600; letter-spacing: -.2px;
}
.acc__item summary::-webkit-details-marker { display: none; }
.acc__item summary::after {
  content: ""; position: absolute; right: 6px; top: 50%; width: 10px; height: 10px;
  border-right: 1.6px solid var(--faint); border-bottom: 1.6px solid var(--faint);
  transform: translateY(-70%) rotate(45deg); transition: transform .2s;
}
.acc__item[open] summary::after { transform: translateY(-30%) rotate(225deg); }
.acc__body { padding-bottom: 24px; }
.acc__body p { margin: 0 0 14px; font-size: 15px; line-height: 1.7; color: var(--muted); }
.acc__body p:last-child { margin-bottom: 0; }

/* ---------------- Подвал ---------------- */

.ftr { background: var(--ink); color: #fff; padding: 64px 0 34px; }
.ftr__grid { display: grid; grid-template-columns: 1.6fr 1fr 1.2fr 1fr; gap: 40px; }
.ftr .logo__mark { background: #fff; box-shadow: inset 0 0 0 4px var(--ink), inset 0 0 0 5px #fff; }
.ftr__brand p { margin: 18px 0 0; font-size: 14px; line-height: 1.65; color: rgba(255, 255, 255, .55); }
.ftr h4 { margin: 0 0 16px; font-size: 11px; letter-spacing: 2.5px; text-transform: uppercase; color: rgba(255, 255, 255, .4); font-weight: 600; }
.ftr__nav { display: flex; flex-direction: column; gap: 11px; }
.ftr__nav a { font-size: 14px; color: rgba(255, 255, 255, .72); }
.ftr__nav a:hover { color: #fff; }
.ftr__contact { display: flex; flex-direction: column; gap: 11px; align-items: flex-start; }
.ftr__contact a { font-size: 14.5px; color: rgba(255, 255, 255, .82); border-bottom: 1px solid rgba(255, 255, 255, .18); }
.ftr__contact a:hover { color: #fff; }
.ftr__contact .btn { margin-top: 10px; background: #fff; color: var(--ink); }
.ftr__bottom { margin-top: 48px; padding-top: 26px; border-top: 1px solid rgba(255, 255, 255, .1); }
.ftr__bottom p { margin: 0; font-size: 12px; line-height: 1.7; color: rgba(255, 255, 255, .4); }
.ftr__ad { margin-top: 10px !important; }

/* ---------------- Модалка ---------------- */

.modal { position: fixed; inset: 0; z-index: 100; display: grid; place-items: center; padding: 20px; }
.modal[hidden] { display: none; }
.modal__backdrop { position: absolute; inset: 0; background: rgba(20, 20, 26, .5); backdrop-filter: blur(3px); }
.modal__box {
  position: relative; width: 100%; max-width: 520px; max-height: 90vh; overflow: auto;
  background: #fff; border-radius: var(--r-lg); padding: 30px;
  box-shadow: 0 24px 60px rgba(20, 20, 26, .28);
}
.modal__x { position: absolute; top: 14px; right: 14px; width: 36px; height: 36px; border: 0; border-radius: 10px; background: var(--panel); cursor: pointer; display: grid; place-items: center; }
.modal__x svg { width: 16px; height: 16px; fill: none; stroke: var(--muted); stroke-width: 2; stroke-linecap: round; }
body.is-locked { overflow: hidden; }

.mhead { display: flex; align-items: center; gap: 14px; margin-bottom: 20px; padding-right: 40px; }
.mhead h3 { font-size: 22px; }
.mhead p { margin: 3px 0 0; font-size: 13.5px; color: var(--faint); }
.mtable { border-top: 1px solid var(--line); margin-bottom: 18px; }
.mtable > div { display: flex; justify-content: space-between; gap: 14px; padding: 11px 0; border-bottom: 1px solid var(--line-2); font-size: 14px; }
.mtable span:first-child { color: var(--muted); }
.mtable span:last-child { font-weight: 600; text-align: right; }
.mnote { font-size: 13.5px; line-height: 1.6; color: var(--muted); background: var(--panel); border-radius: 10px; padding: 14px 16px; margin: 0 0 18px; }
.mform { display: grid; gap: 14px; }
.mform h4 { margin: 0; font-size: 16px; font-weight: 700; }
.checks { display: grid; gap: 8px; margin-top: 7px; }

/* ---------------- Куки и мобильная панель ---------------- */

.cookie {
  position: fixed; left: 20px; bottom: 20px; z-index: 90; max-width: 420px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r);
  padding: 18px 20px; box-shadow: var(--shadow); display: flex; align-items: center; gap: 16px;
}
.cookie[hidden] { display: none; }
.cookie p { margin: 0; font-size: 12.5px; line-height: 1.55; color: var(--muted); }
.cookie a { border-bottom: 1px solid var(--line); }
.cookie .btn { flex: none; }

.mobilebar { display: none; }

/* ---------------- Адаптив ---------------- */

@media (max-width: 1000px) {
  .hero__in { grid-template-columns: 1fr; gap: 40px; }
  .quickcard { position: static; }
  .ftr__grid { grid-template-columns: 1fr 1fr; gap: 34px; }
}

@media (max-width: 760px) {
  .wrap { padding: 0 18px; }
  .nav {
    position: absolute; top: 68px; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    flex-direction: column; gap: 0; padding: 8px 18px 16px; display: none;
  }
  .nav.is-open { display: flex; }
  .nav a { padding: 12px 0; border-bottom: 1px solid var(--line-2); }
  .burger { display: block; }
  .hdr__act .btn { display: none; }

  .hero { padding: 36px 0 8px; }
  .sec { padding: 56px 0; }
  .banks { grid-template-columns: 1fr; }
  .bank { padding: 20px; }
  .bank__name { font-size: 21px; }
  .strip { padding: 26px; }
  .ftr__grid { grid-template-columns: 1fr; }
  .stat b { font-size: 34px; }

  .cookie { left: 12px; right: 12px; bottom: 84px; max-width: none; flex-direction: column; align-items: stretch; }
  .cookie .btn { width: 100%; }

  .mobilebar {
    display: block; position: fixed; left: 0; right: 0; bottom: 0; z-index: 80;
    padding: 12px 16px calc(12px + env(safe-area-inset-bottom));
    background: rgba(255, 255, 255, .94); backdrop-filter: blur(10px);
    border-top: 1px solid var(--line);
  }
  body { padding-bottom: 76px; }
}

/* ---------------- Юридические страницы ---------------- */

.doc { padding: 48px 0 80px; }
.doc h1 { font-size: clamp(28px, 4vw, 38px); margin-bottom: 8px; }
.doc__meta { font-size: 13px; color: var(--faint); margin: 0 0 36px; }
.doc h2 { font-size: 20px; font-weight: 700; letter-spacing: -.2px; margin: 36px 0 12px; }
.doc p { font-size: 15px; line-height: 1.75; color: var(--muted); margin: 0 0 12px; }
.doc ul { margin: 0 0 12px; padding-left: 20px; }
.doc li { font-size: 15px; line-height: 1.75; color: var(--muted); margin-bottom: 6px; }
.doc__back { display: inline-block; margin-bottom: 28px; font-size: 14px; color: var(--muted); border-bottom: 1px solid var(--line); }
.doc__req { background: var(--panel); border-radius: var(--r); padding: 22px 24px; margin: 24px 0; }
.doc__req p { margin: 0 0 6px; color: var(--ink); font-size: 14.5px; }
.doc__req p:last-child { margin: 0; }