:root {
  --bg-dark: #081a35;
  --bg-card: #f4fbf6;
  --text-light: #d6e0f2;
  --text-muted: #9bb2d5;
  --accent: #1f4fb1;
  --accent-soft: #b9c8f5;
  --border: #d8e5f6;
  --shadow: 0 20px 50px rgba(8, 26, 53, 0.08);
  font-family: 'Montserrat', sans-serif;
  color: #0a1f3c;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: inherit;
  background-color: #f7f9fc;
  color: #0a1f3c;
  overflow-x: hidden;
  word-wrap: break-word;
  overflow-wrap: break-word;
}

a {
  text-decoration: none;
  color: inherit;
}

.hero {
  background: var(--bg-dark);
  color: white;
  min-height: 100vh;
  padding: 32px 5vw 80px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  overflow: hidden;
}

.nav-placeholder {
  height: 0;
  transition: height 0s;
}

.nav.scrolled ~ .nav-placeholder {
  height: 80px;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: radial-gradient(circle at 20% 50%, rgba(31, 79, 177, 0.1) 0%, transparent 50%),
              radial-gradient(circle at 80% 80%, rgba(240, 200, 105, 0.05) 0%, transparent 50%);
  pointer-events: none;
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 60px;
  position: relative;
  z-index: 10;
  transition: background 0.9s cubic-bezier(0.4, 0, 0.2, 1), 
              padding 0.9s cubic-bezier(0.4, 0, 0.2, 1), 
              box-shadow 0.9s cubic-bezier(0.4, 0, 0.2, 1),
              opacity 0.9s cubic-bezier(0.4, 0, 0.2, 1);
  opacity: 1;
}

.nav.scrolled {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  background: rgba(8, 26, 53, 0.98);
  backdrop-filter: blur(15px);
  padding: 20px 5vw;
  margin-bottom: 0;
  box-shadow: 0 4px 30px rgba(0, 0, 0, 0.3);
  z-index: 1000;
  opacity: 1;
  animation: slideDown 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

@keyframes slideDown {
  from {
    transform: translateY(-100%);
    opacity: 0;
  }
  to {
    transform: translateY(0);
    opacity: 1;
  }
}

.logo {
  font-weight: 700;
  letter-spacing: 0.15em;
  transition: opacity 0.2s ease;
}

.logo:hover {
  opacity: 0.8;
}

.nav-links {
  list-style: none;
  display: flex;
  gap: 32px;
  margin: 0;
  padding: 0;
}

.nav-links a {
  color: var(--text-light);
  font-weight: 500;
  transition: color 0.2s ease;
}

.nav-links a:hover {
  color: white;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  background: transparent;
  border: none;
  cursor: pointer;
  padding: 8px;
  gap: 5px;
  z-index: 1001;
}

.nav-toggle span {
  width: 25px;
  height: 3px;
  background: white;
  transition: all 0.3s ease;
  border-radius: 2px;
}

body.nav-open .nav-toggle span:nth-child(1) {
  transform: rotate(45deg) translate(8px, 8px);
}

body.nav-open .nav-toggle span:nth-child(2) {
  opacity: 0;
}

body.nav-open .nav-toggle span:nth-child(3) {
  transform: rotate(-45deg) translate(7px, -7px);
}

.hero-content {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 60px;
  max-width: 1400px;
  width: 100%;
  position: relative;
  z-index: 1;
}

.hero-content > div:first-child {
  flex: 1;
  max-width: 600px;
}

.subtitle {
  text-transform: uppercase;
  letter-spacing: 0.2em;
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-bottom: 16px;
}

.hero h1 {
  font-size: clamp(2.5rem, 5vw, 4rem);
  margin: 0 0 20px;
  line-height: 1.2;
}

.lead {
  color: var(--text-light);
  font-size: 1.1rem;
  line-height: 1.8;
  margin-bottom: 32px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  margin-bottom: 40px;
}

.btn {
  padding: 14px 28px;
  border-radius: 40px;
  font-weight: 600;
  border: 2px solid transparent;
  transition: transform 0.2s ease, background 0.2s ease, color 0.2s ease;
}

.btn:hover {
  transform: translateY(-2px);
}

.btn.primary {
  background: #f0c869;
  color: #0a1f3c;
}

.btn.ghost {
  border-color: rgba(255, 255, 255, 0.3);
  color: white;
}

.hero-benefits {
  display: flex;
  gap: 32px;
  list-style: none;
  margin: 0;
  padding: 0;
  color: var(--text-light);
  font-weight: 600;
  margin-top: 40px;
}

.hero-visual {
  flex: 1;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  position: relative;
  max-width: 500px;
  padding-top: 0;
}

.card-illustration {
  position: relative;
  width: 100%;
  max-width: 470px;
  aspect-ratio: 1.586 / 1;
  perspective: 1000px;
}

.card-front {
  width: 100%;
  height: 100%;
  background: linear-gradient(135deg, #1a1a2e 0%, #16213e 50%, #0f3460 100%);
  border-radius: 20px;
  padding: 32px;
  position: relative;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.4), 0 0 40px rgba(31, 79, 177, 0.3);
  transform: rotateY(-5deg) rotateX(5deg);
  transition: transform 0.2s ease-out;
  overflow: hidden;
}

.card-front::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -50%;
  width: 200%;
  height: 200%;
  background: radial-gradient(circle, rgba(240, 200, 105, 0.15) 0%, transparent 70%);
  animation: shimmer 3s infinite;
}

@keyframes shimmer {
  0%, 100% { transform: rotate(0deg); }
  50% { transform: rotate(180deg); }
}

.card-chip {
  width: 48px;
  height: 38px;
  background: linear-gradient(135deg, #d4af37 0%, #f4d03f 100%);
  border-radius: 8px;
  margin-bottom: 32px;
  position: relative;
  box-shadow: 0 4px 12px rgba(212, 175, 55, 0.4);
}

.card-chip::before {
  content: '';
  position: absolute;
  top: 8px;
  left: 8px;
  right: 8px;
  height: 2px;
  background: rgba(0, 0, 0, 0.2);
  border-radius: 1px;
}

.card-logo {
  font-size: 1.2rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: white;
  margin-bottom: 40px;
  text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);
}

.card-number {
  font-size: 1.4rem;
  font-weight: 600;
  color: white;
  letter-spacing: 0.1em;
  margin-bottom: 32px;
  font-family: 'Courier New', monospace;
  text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);
}

.card-holder {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.8);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 12px;
}

.card-brand {
  position: absolute;
  bottom: 32px;
  right: 32px;
  font-size: 1.8rem;
  font-weight: 700;
  color: white;
  letter-spacing: 0.05em;
  text-shadow: 0 2px 4px rgba(0, 0, 0, 0.3);
}

.card-glow {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 120%;
  height: 120%;
  background: radial-gradient(circle, rgba(31, 79, 177, 0.2) 0%, transparent 70%);
  border-radius: 50%;
  filter: blur(40px);
  animation: pulse 3s ease-in-out infinite;
  pointer-events: none;
}

@keyframes pulse {
  0%, 100% { opacity: 0.5; transform: translate(-50%, -50%) scale(1); }
  50% { opacity: 0.8; transform: translate(-50%, -50%) scale(1.1); }
}

.icon {
  margin-right: 12px;
}

.cards {
  padding: 80px 5vw 120px;
}

.steps {
  padding: 80px 5vw 120px;
  background: white;
}

.steps-flow {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px 20px;
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
}

.step-item {
  display: flex;
  flex-direction: column;
  position: relative;
  transition: transform 0.3s ease;
}

.step-item:hover {
  transform: translateX(5px);
}

.step-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 20px;
}

.step-badge {
  background: var(--bg-dark);
  color: white;
  padding: 8px 16px;
  border-radius: 8px;
  font-size: 0.9rem;
  font-weight: 600;
  white-space: nowrap;
}

.step-arrow {
  color: var(--bg-dark);
  font-size: 1.5rem;
  font-weight: 300;
  line-height: 1;
  transition: transform 0.3s ease, color 0.3s ease;
}

.step-item:hover .step-arrow {
  transform: translateX(5px);
  color: #f0c869;
}

.step-item:last-child .step-arrow {
  display: none;
}

.step-item h3 {
  margin: 0 0 12px;
  font-size: 1.3rem;
  color: var(--bg-dark);
  font-weight: 600;
}

.step-item p {
  margin: 0;
  color: #506480;
  line-height: 1.7;
  font-size: 0.95rem;
}

.why-choose {
  padding: 100px 5vw 120px;
  background: linear-gradient(135deg, #f7f9fc 0%, #ffffff 50%, #f5f7fb 100%);
  position: relative;
  overflow: hidden;
}

.why-choose::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(31, 79, 177, 0.05) 0%, transparent 70%);
  border-radius: 50%;
}

.why-choose::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(240, 200, 105, 0.08) 0%, transparent 70%);
  border-radius: 50%;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  max-width: 1200px;
  margin: 0 auto 80px;
}

.stat-card {
  background: transparent;
  padding: 40px 28px;
  text-align: center;
  border: none;
  box-shadow: none;
  transition: transform 0.3s ease;
  position: relative;
  overflow: visible;
}

.stat-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--bg-dark);
  transform: scaleX(0);
  transition: transform 0.3s ease;
}

.stat-card:hover {
  transform: translateY(-5px);
}

.stat-card:hover::before {
  transform: scaleX(1);
}


.stat-number {
  font-size: 3rem;
  font-weight: 700;
  color: var(--bg-dark);
  margin-bottom: 8px;
  line-height: 1;
}

.stat-label {
  color: #506480;
  font-size: 0.95rem;
  font-weight: 500;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 60px 80px;
  max-width: 1000px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.why-card {
  background: transparent;
  padding: 0;
  border: none;
  box-shadow: none;
  transition: all 0.3s ease;
  position: relative;
  overflow: visible;
  color: var(--bg-dark);
  border-left: 4px solid var(--bg-dark);
  padding-left: 32px;
}

.why-card::before {
  display: none;
}

.why-card:hover {
  transform: translateX(8px);
  border-left-color: #f0c869;
}

.why-card-featured {
  background: transparent;
  color: var(--bg-dark);
  border: none;
  grid-column: span 2;
  border-left: 4px solid #f0c869;
  padding-left: 32px;
}

.why-card-featured::before {
  display: none;
}

.why-card h3,
.why-card p {
  color: var(--bg-dark);
}

.why-card-featured h3,
.why-card-featured p {
  color: var(--bg-dark);
}

.why-card-featured .why-card-badge {
  display: inline-block;
  background: var(--bg-dark);
  color: white;
  padding: 6px 14px;
  border-radius: 6px;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 16px;
}

.why-card h3 {
  margin: 0 0 16px;
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--bg-dark);
}

.why-card p {
  margin: 0;
  color: #506480;
  line-height: 1.8;
  font-size: 1rem;
}

.faq {
  padding: 80px 5vw 120px;
  background: #f5f7fb;
}

.faq-container {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  background: white;
  border-radius: 16px;
  border: 1px solid var(--border);
  overflow: hidden;
  box-shadow: 0 4px 15px rgba(10, 31, 60, 0.05);
  transition: box-shadow 0.2s ease;
}

.faq-item:hover {
  box-shadow: 0 6px 20px rgba(10, 31, 60, 0.1);
}

.faq-question {
  width: 100%;
  padding: 24px 28px;
  background: white;
  border: none;
  text-align: left;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  font-family: inherit;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--bg-dark);
  transition: color 0.2s ease;
}

.faq-question:hover {
  color: var(--bg-dark);
}

.faq-icon {
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--bg-dark);
  flex-shrink: 0;
  transition: transform 0.3s ease;
  line-height: 1;
}

.faq-item.active .faq-icon {
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
  padding: 0 28px;
}

.faq-item.active .faq-answer {
  max-height: 500px;
  padding: 0 28px 24px;
}

.faq-answer p {
  margin: 0;
  color: #506480;
  line-height: 1.7;
  font-size: 0.95rem;
}

.faq-item-hidden {
  display: none;
}

.faq-item-hidden.show {
  display: block;
  animation: fadeIn 0.4s ease;
}

@keyframes fadeIn {
  from {
    opacity: 0;
    transform: translateY(-10px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.faq-show-more {
  text-align: center;
  margin-top: 40px;
}

.btn-faq-more {
  padding: 14px 32px;
  background: transparent;
  border: 2px solid var(--bg-dark);
  border-radius: 40px;
  color: var(--bg-dark);
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  transition: all 0.3s ease;
  font-family: inherit;
}

.btn-faq-more:hover {
  background: var(--bg-dark);
  color: white;
  transform: translateY(-2px);
  box-shadow: 0 4px 15px rgba(10, 31, 60, 0.2);
}

.features {
  padding: 80px 5vw 120px;
  background: var(--bg-dark);
  color: white;
}

.features .eyebrow {
  color: rgba(255, 255, 255, 0.8);
}

.features h2 {
  color: white;
}

.features .section-lead {
  color: rgba(255, 255, 255, 0.9);
}

.contact {
  padding: 100px 5vw 120px;
  background: #081a35;
  color: white;
}

.contact-card {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 32px;
  padding: 60px 56px;
  display: flex;
  justify-content: space-between;
  gap: 60px;
  box-shadow: 0 40px 80px rgba(0, 0, 0, 0.3), 0 0 0 1px rgba(255, 255, 255, 0.05) inset;
  backdrop-filter: blur(20px);
  position: relative;
  overflow: hidden;
}

.contact-card::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(240, 200, 105, 0.1) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.contact .eyebrow {
  color: var(--accent-soft);
}

.contact h2 {
  font-size: 2.4rem;
  margin: 0 0 16px;
}

.contact .section-lead {
  color: #c8d4f5;
  margin-bottom: 32px;
}

.contact-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.contact-list li {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px;
  background: rgba(255, 255, 255, 0.05);
  border-radius: 16px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  transition: all 0.3s ease;
  position: relative;
}

.contact-list li:hover {
  background: rgba(255, 255, 255, 0.1);
  transform: translateX(8px);
  border-color: rgba(255, 255, 255, 0.2);
}

.contact-icon {
  font-size: 2rem;
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255, 255, 255, 0.1);
  border-radius: 12px;
  flex-shrink: 0;
  transition: all 0.3s ease;
}

.contact-list li:hover .contact-icon {
  background: rgba(240, 200, 105, 0.2);
  transform: scale(1.1);
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 6px;
  flex: 1;
}

.contact-list span {
  display: block;
  text-transform: uppercase;
  font-size: 0.75rem;
  letter-spacing: 0.15em;
  color: rgba(255, 255, 255, 0.7);
  font-weight: 500;
}

.contact-list a {
  font-size: 1.3rem;
  color: white;
  font-weight: 600;
  text-decoration: none;
  transition: color 0.2s ease;
}

.contact-list a:hover {
  color: #f0c869;
}

.contact-cta {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 24px;
  padding: 64px 56px;
  text-align: center;
  width: 100%;
  max-width: 420px;
  display: flex;
  flex-direction: column;
  gap: 32px;
  justify-content: center;
  backdrop-filter: blur(10px);
}

.contact-cta p {
  margin: 0;
  color: rgba(255, 255, 255, 0.9);
  font-size: 1.25rem;
  font-weight: 500;
  line-height: 1.5;
}

.contact-cta .btn {
  width: 100%;
  justify-content: center;
  padding: 18px 32px;
  font-size: 1.05rem;
}

  .section-heading {
    text-align: center;
    max-width: 720px;
    margin: 0 auto 56px;
    padding: 0 5vw;
    box-sizing: border-box;
  }

  .section-heading h2 {
    word-break: break-word;
    overflow-wrap: break-word;
  }

  .section-heading p {
    word-break: break-word;
    overflow-wrap: break-word;
  }

.eyebrow {
  text-transform: uppercase;
  color: var(--bg-dark);
  letter-spacing: 0.25em;
  font-weight: 600;
  font-size: 0.8rem;
  margin-bottom: 16px;
}

.section-heading h2 {
  font-size: 2.4rem;
  margin: 0 0 16px;
}

.section-lead {
  color: #506480;
  line-height: 1.6;
  margin: 0;
}

.cards-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(260px, 1fr));
  gap: 24px;
}

.cards-grid .card-spacer {
  display: none;
}

@media (min-width: 769px) {
  .cards-grid .card-spacer {
    display: block;
  }
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(220px, 1fr));
  gap: 24px;
}

.feature-card {
  background: rgba(255, 255, 255, 0.1);
  border-radius: 20px;
  padding: 40px 28px;
  text-align: center;
  border: 1px solid rgba(255, 255, 255, 0.2);
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.15);
  backdrop-filter: blur(10px);
  transition: all 0.3s ease;
}

.feature-card:hover {
  background: rgba(255, 255, 255, 0.15);
  transform: translateY(-4px);
  box-shadow: 0 12px 35px rgba(0, 0, 0, 0.2);
  border-color: rgba(255, 255, 255, 0.3);
}

.feature-icon {
  font-size: 2.5rem;
  display: block;
  margin-bottom: 20px;
  filter: drop-shadow(0 2px 4px rgba(0, 0, 0, 0.1));
}

.feature-card h3 {
  margin: 0 0 12px;
  font-size: 1.1rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: white;
  font-weight: 600;
}

.feature-card p {
  margin: 0;
  color: rgba(255, 255, 255, 0.9);
  line-height: 1.6;
}

.card {
  background: white;
  border-radius: 24px;
  padding: 32px 28px;
  box-shadow: var(--shadow);
  border-top: 6px solid var(--bg-dark);
  display: flex;
  flex-direction: column;
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
  height: 100%;
}

.card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 0;
  background: #f0c869;
  transition: height 0.25s ease;
  pointer-events: none;
}

.card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 60px rgba(10, 31, 60, 0.15);
}

.card:hover::before {
  height: 6px;
}

.badge {
  color: var(--bg-dark);
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 16px;
}

.card h3 {
  font-size: 2rem;
  margin: 0 0 16px 0;
}

.card ul {
  list-style: none;
  margin: 0 0 16px 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
  flex: 1;
}

.card li {
  color: #2a3d55;
  font-size: 0.95rem;
}

.no-prepay {
  color: var(--bg-dark);
  text-transform: uppercase;
  font-weight: 700;
  margin-top: auto;
  margin-bottom: 16px;
}

.btn.outline {
  border-color: var(--bg-dark);
  color: var(--bg-dark);
  border-radius: 10px;
  text-align: center;
  margin-bottom: 16px;
}

.btn.outline:hover {
  background: var(--bg-dark);
  color: white;
  border-color: var(--bg-dark);
}

.bot-link {
  font-size: 0.9rem;
  color: #6b7c93;
  text-align: center;
  margin: 0;
  white-space: nowrap;
  text-decoration: none;
  display: block;
  transition: color 0.2s ease;
}

.bot-link:hover {
  color: var(--accent);
  text-decoration: underline;
}

.bot-link-inline {
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.8);
  text-align: center;
  margin: 0;
  text-decoration: none;
  display: block;
  transition: color 0.2s ease;
  font-weight: 500;
}

.bot-link-inline:hover {
  color: #f0c869;
  text-decoration: underline;
}

/* Кнопка "Наверх" */
.back-to-top {
  position: fixed;
  bottom: 30px;
  right: 30px;
  width: 50px;
  height: 50px;
  background: var(--bg-dark);
  color: white;
  border: none;
  border-radius: 50%;
  font-size: 1.5rem;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s ease;
  z-index: 1000;
  box-shadow: 0 4px 15px rgba(0, 0, 0, 0.3);
  display: flex;
  align-items: center;
  justify-content: center;
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
}

.back-to-top:hover {
  transform: translateY(-5px);
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.4);
  background: #0d1f3a;
}

/* Анимация появления элементов */
section {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

section.fade-in {
  opacity: 1;
  transform: translateY(0);
}

@media (max-width: 768px) {
  .nav {
    position: relative;
    padding: 16px 4vw;
  }

  .logo {
    font-size: 1.1rem;
  }

  .nav-toggle {
    display: flex;
    width: 32px;
    height: 32px;
  }

  .nav-links {
    position: fixed;
    top: 0;
    right: -100%;
    width: 280px;
    height: 100vh;
    background: var(--bg-dark);
    flex-direction: column;
    padding: 70px 30px 30px;
    gap: 0;
    transition: right 0.3s ease;
    z-index: 1000;
    box-shadow: -5px 0 20px rgba(0, 0, 0, 0.3);
  }

  body.nav-open .nav-links {
    right: 0;
  }

  .nav-links li {
    width: 100%;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  }

  .nav-links a {
    display: block;
    padding: 16px 0;
    font-size: 1rem;
  }

  .back-to-top {
    bottom: 16px;
    right: 16px;
    width: 40px;
    height: 40px;
    font-size: 1.2rem;
  }

  .hero {
    padding: 20px 4vw 40px;
    min-height: auto;
  }

  .nav {
    margin-bottom: 32px;
  }

  .nav-placeholder {
    height: 0;
  }

  .hero-content {
    flex-direction: column;
    gap: 24px;
    padding: 0;
    box-sizing: border-box;
    align-items: flex-start;
  }

  .hero-content > div:first-child {
    max-width: 100%;
    word-break: break-word;
    overflow-wrap: break-word;
    text-align: left;
  }

  .hero .subtitle {
    font-size: 0.75rem;
    margin-bottom: 8px;
    letter-spacing: 0.15em;
  }

  .hero h1 {
    font-size: 1.8rem;
    line-height: 1.2;
    margin-bottom: 16px;
    word-break: break-word;
    overflow-wrap: break-word;
    font-weight: 700;
  }

  .hero .lead {
    font-size: 0.95rem;
    line-height: 1.6;
    margin-bottom: 24px;
    word-break: break-word;
    overflow-wrap: break-word;
    color: rgba(255, 255, 255, 0.9);
  }

  .hero-visual {
    display: none;
  }

  .card-illustration {
    max-width: 320px;
    width: 100%;
    transform: scale(1);
  }

  .card-front {
    padding: 24px;
  }

  .card-chip {
    width: 40px;
    height: 32px;
    margin-bottom: 24px;
  }

  .card-logo {
    font-size: 1rem;
    margin-bottom: 32px;
  }

  .card-number {
    font-size: 1.1rem;
    margin-bottom: 24px;
  }

  .card-holder {
    font-size: 0.75rem;
    margin-bottom: 8px;
  }

  .card-brand {
    bottom: 24px;
    right: 24px;
    font-size: 1.5rem;
  }

  .hero-actions {
    flex-direction: column;
    width: 100%;
    gap: 10px;
    margin-bottom: 20px;
  }

  .btn {
    text-align: center;
    padding: 11px 22px;
    font-size: 0.85rem;
    font-weight: 600;
  }

  .hero-benefits {
    flex-direction: column;
    gap: 10px;
    margin-top: 20px;
    font-size: 0.85rem;
    text-align: left;
    align-items: flex-start;
  }

  .cards {
    padding: 50px 4vw 60px;
  }

  .section-heading {
    margin-bottom: 32px;
  }

  .section-heading h2 {
    font-size: 1.6rem;
  }

  .section-heading .section-lead {
    font-size: 0.9rem;
  }

  .cards-grid {
    grid-template-columns: 1fr;
    gap: 20px;
    padding: 0;
    box-sizing: border-box;
  }

  .card {
    padding: 20px 18px;
    max-width: 100%;
    overflow: hidden;
    border-radius: 20px;
  }

  .card h3 {
    font-size: 1.4rem;
    margin-bottom: 12px;
    word-break: break-word;
  }

  .card ul {
    gap: 8px;
    margin-bottom: 12px;
    word-break: break-word;
    overflow-wrap: break-word;
  }

  .card li {
    font-size: 0.85rem;
    line-height: 1.4;
    word-break: break-word;
    overflow-wrap: break-word;
  }

  .badge {
    font-size: 0.75rem;
    margin-bottom: 8px;
  }

  .no-prepay {
    font-size: 0.75rem;
    margin-bottom: 12px;
  }

  .btn.outline {
    font-size: 0.85rem;
    padding: 10px 20px;
  }

  .bot-link {
    font-size: 0.8rem;
    margin-top: 8px;
  }

  .features {
    padding: 50px 4vw 60px;
  }

  .features-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .feature-item {
    padding: 20px;
  }

  .feature-item h3 {
    font-size: 1.1rem;
    margin-bottom: 8px;
  }

  .feature-item p {
    font-size: 0.85rem;
    line-height: 1.5;
  }

  .steps {
    padding: 50px 4vw 60px;
  }

  .steps-flow {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .step-item {
    padding: 20px;
  }

  .step-badge {
    font-size: 0.75rem;
    padding: 6px 12px;
  }

  .step-item h3 {
    font-size: 1.1rem;
    margin-bottom: 8px;
  }

  .step-item p {
    font-size: 0.85rem;
    line-height: 1.5;
  }

  .step-arrow {
    display: none;
  }

  .stats-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    margin-bottom: 40px;
  }

  .stat-card {
    padding: 20px 12px;
  }

  .stat-number {
    font-size: 1.8rem;
  }

  .stat-label {
    font-size: 0.75rem;
  }

  .why-choose {
    padding: 50px 4vw 60px;
  }

  .why-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .why-card-featured {
    grid-column: span 1;
  }

  .why-card {
    border-left-width: 3px;
    padding: 20px 16px;
  }

  .why-card h3 {
    font-size: 1.1rem;
    margin-bottom: 8px;
  }

  .why-card p {
    font-size: 0.85rem;
    line-height: 1.5;
  }

  @media (max-width: 480px) {
    .hero {
      padding: 18px 4vw 32px;
    }

    .nav {
      margin-bottom: 24px;
    }

    .hero-content {
      gap: 20px;
    }

    .hero .subtitle {
      font-size: 0.7rem;
      margin-bottom: 6px;
    }

    .hero h1 {
      font-size: 1.5rem;
      line-height: 1.2;
      margin-bottom: 12px;
    }

    .hero .lead {
      font-size: 0.9rem;
      line-height: 1.5;
      margin-bottom: 20px;
    }

    .hero-actions {
      gap: 10px;
      margin-bottom: 20px;
      flex-direction: column;
      width: 100%;
    }

    .btn {
      padding: 12px 24px;
      font-size: 0.85rem;
      width: 100%;
      text-align: center;
    }

    .hero-benefits {
      font-size: 0.8rem;
      gap: 10px;
      flex-direction: column;
      align-items: flex-start;
      text-align: left;
    }

    .cards {
      padding: 40px 4vw 50px;
    }

    .steps {
      padding: 40px 4vw 50px;
    }

    .why-choose {
      padding: 40px 4vw 50px;
    }

    .faq {
      padding: 40px 4vw 50px;
    }

    .contact {
      padding: 40px 4vw 50px;
    }

    .stats-grid {
      grid-template-columns: 1fr;
      gap: 16px;
    }

    .stat-card {
      padding: 16px;
    }

    .stat-number {
      font-size: 1.6rem;
    }

    .stat-label {
      font-size: 0.7rem;
    }

    .why-grid {
      grid-template-columns: 1fr;
      gap: 20px;
    }

    .why-card {
      padding: 16px 14px;
    }

    .section-heading {
      margin-bottom: 24px;
    }

    .section-heading h2 {
      font-size: 1.4rem;
    }

    .section-heading .section-lead {
      font-size: 0.85rem;
    }

    .card {
      padding: 18px 16px;
    }

    .card h3 {
      font-size: 1.3rem;
    }

    .contact-card {
      padding: 20px 16px;
    }

    .contact h2 {
      font-size: 1.3rem;
    }

    .footer {
      padding: 32px 4vw 20px;
    }

    .footer-content {
      grid-template-columns: 1fr;
      gap: 24px;
    }

    .footer-bottom {
      padding-top: 24px;
      gap: 16px;
    }

    .footer-bottom p {
      font-size: 0.8rem;
    }

    .footer-bottom-info p {
      font-size: 0.8rem;
    }
  }

  .faq {
    padding: 50px 4vw 60px;
  }

  .faq-container {
    gap: 12px;
  }

  .faq-question {
    padding: 16px 18px;
    font-size: 0.9rem;
  }

  .faq-answer {
    padding: 0 18px;
  }

  .faq-item.active .faq-answer {
    padding: 0 18px 16px;
  }

  .faq-answer p {
    font-size: 0.85rem;
    line-height: 1.6;
  }

  .faq-icon {
    font-size: 1.2rem;
  }

  .contact {
    padding: 50px 4vw 60px;
  }

  .contact-card {
    flex-direction: column;
    padding: 24px 20px;
    max-width: 100%;
    box-sizing: border-box;
    border-radius: 24px;
    gap: 24px;
  }

  .contact .eyebrow {
    font-size: 0.7rem;
    margin-bottom: 8px;
  }

  .contact h2 {
    font-size: 1.5rem;
    margin-bottom: 12px;
    word-break: break-word;
    overflow-wrap: break-word;
  }

  .contact .section-lead {
    font-size: 0.9rem;
    margin-bottom: 24px;
    line-height: 1.5;
    word-break: break-word;
    overflow-wrap: break-word;
  }

  .contact-list {
    gap: 16px;
  }

  .contact-list li {
    padding: 14px 16px;
    gap: 14px;
    max-width: 100%;
    box-sizing: border-box;
    border-radius: 12px;
  }

  .contact-icon {
    width: 44px;
    height: 44px;
    font-size: 1.4rem;
    flex-shrink: 0;
  }

  .contact-list span {
    font-size: 0.7rem;
  }

  .contact-list a {
    font-size: 1rem;
    word-break: break-word;
    overflow-wrap: break-word;
    max-width: 100%;
    display: inline-block;
  }

  .contact-cta {
    max-width: none;
    padding: 40px 32px;
    box-sizing: border-box;
    border-radius: 20px;
    gap: 24px;
  }

  .contact-cta p {
    font-size: 1.1rem;
    margin-bottom: 0;
  }

  .contact-cta .btn {
    padding: 16px 28px;
    font-size: 1rem;
  }
}

.footer {
  background: var(--bg-dark);
  color: white;
  padding: 60px 5vw 30px;
  margin-top: 0;
}

.footer-content {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
  margin-bottom: 40px;
}

.footer-section {
  display: flex;
  flex-direction: column;
}

.footer-logo {
  font-size: 1.5rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  margin-bottom: 16px;
  color: white;
}

.footer-description {
  color: var(--text-light);
  line-height: 1.6;
  font-size: 0.9rem;
  margin: 0;
}

.footer-title {
  font-size: 1rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin: 0 0 20px;
  color: white;
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-links a {
  color: var(--text-light);
  text-decoration: none;
  font-size: 0.9rem;
  transition: color 0.2s ease;
}

.footer-links a:hover {
  color: white;
}

.footer-contacts {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-contacts a {
  color: var(--text-light);
  text-decoration: none;
  font-size: 0.9rem;
  transition: color 0.2s ease;
}

.footer-contacts a:hover {
  color: white;
}

.footer-social {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.social-link {
  color: var(--text-light);
  text-decoration: none;
  font-size: 0.9rem;
  transition: color 0.2s ease;
  display: inline-block;
}

.social-link:hover {
  color: white;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 30px;
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 40px;
}

.footer-bottom p {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.85rem;
}

.footer-bottom-info {
  display: flex;
  flex-direction: column;
  gap: 6px;
  align-items: flex-end;
  text-align: right;
  max-width: 600px;
  min-width: 500px;
  position: relative;
  z-index: 1;
  pointer-events: auto;
}

.footer-bottom-info p {
  margin: 0;
  color: var(--text-muted);
  font-size: 0.85rem;
  line-height: 1.5;
  white-space: nowrap;
}

.footer-bottom-info a {
  color: var(--text-muted);
  text-decoration: none;
  font-size: 0.85rem;
  transition: color 0.2s ease;
  white-space: nowrap;
  cursor: pointer;
  pointer-events: auto;
  position: relative;
  z-index: 1;
  display: block;
}

.footer-bottom-info a:hover {
  color: white;
  text-decoration: underline;
}

@media (max-width: 768px) {
  .footer {
    padding: 40px 4vw 24px;
  }

  .footer-content {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    margin-bottom: 32px;
  }

  .footer-section {
    gap: 12px;
  }

  .footer-logo {
    font-size: 1.2rem;
    margin-bottom: 12px;
  }

  .footer-description {
    font-size: 0.85rem;
    line-height: 1.5;
  }

  .footer-title {
    font-size: 0.9rem;
    margin-bottom: 12px;
  }

  .footer-links,
  .footer-contacts {
    gap: 10px;
  }

  .footer-links a,
  .footer-contacts li {
    font-size: 0.85rem;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 20px;
  }

  .footer-bottom-info {
    align-items: center;
    text-align: center;
    max-width: 100%;
    min-width: auto;
    width: 100%;
    padding: 0 10px;
    box-sizing: border-box;
  }

  .footer-bottom-info p {
    white-space: normal;
    word-break: break-word;
    overflow-wrap: break-word;
    max-width: 100%;
  }

  .footer-bottom-info a {
    white-space: normal;
    text-align: center;
  }

  .footer-bottom {
    padding-left: 5vw;
    padding-right: 5vw;
    box-sizing: border-box;
  }

  .footer-bottom p {
    word-break: break-word;
    overflow-wrap: break-word;
  }
}

@media (max-width: 480px) {
  .steps-flow {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .step-header {
    flex-wrap: wrap;
  }

  .step-arrow {
    display: none;
  }

  .footer-content {
    grid-template-columns: 1fr;
    gap: 32px;
    padding: 0 5vw;
    box-sizing: border-box;
  }

  .footer {
    padding: 40px 5vw 20px;
  }

  .card h3 {
    font-size: 1.6rem;
  }

  .card li {
    font-size: 0.85rem;
    word-break: break-word;
    overflow-wrap: break-word;
  }

  .section-heading h2 {
    font-size: 1.8rem;
  }

  .hero h1 {
    font-size: 2.5rem;
  }
}