/* ============ TOKENS ============ */
:root {
  --navy: #0d2440;
  --navy-2: #12335c;
  --gold: #c9a24b;
  --gold-dark: #ad8631;
  --gold-light: #e6cd8b;
  --ink: #16202e;
  --muted: #5d6b7e;
  --line: #e4e9f1;
  --bg: #ffffff;
  --bg-soft: #f4f7fb;
  --green: #2f7a4f;
  --shadow-sm: 0 2px 8px rgba(13,36,64,.06);
  --shadow: 0 10px 30px rgba(13,36,64,.10);
  --shadow-lg: 0 24px 60px rgba(13,36,64,.16);
  --r-sm: 8px;
  --r: 14px;
  --r-lg: 22px;
  --container: 1180px;
  --t: .25s cubic-bezier(.4,0,.2,1);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, textarea, select { font-family: inherit; font-size: inherit; }
h1, h2, h3, h4 { line-height: 1.18; font-weight: 800; letter-spacing: -.01em; }
h1 { font-size: clamp(1.9rem, 4vw, 3rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.35rem); }
h3 { font-size: 1.2rem; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: 84px 0; }
.section--soft { background: var(--bg-soft); }
.section--navy { background: var(--navy); color: #fff; }
.section--navy h2 { color: #fff; }
.section--navy p { color: rgba(255,255,255,.75); }
.maxw-720 { max-width: 720px; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: .82rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase;
  color: var(--gold-dark);
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold); border-radius: 2px; }
.section--navy .eyebrow { color: var(--gold-light); }
.section-head { margin-bottom: 48px; }
.section-head h2 { margin: 14px 0 14px; }
.section-head p { font-size: 1.06rem; color: var(--muted); }
.section--navy .section-head p { color: rgba(255,255,255,.75); }

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-weight: 700; font-size: .98rem; padding: 14px 26px;
  border-radius: var(--r-sm); transition: var(--t); white-space: nowrap;
}
.btn--gold {
  background: linear-gradient(180deg, var(--gold-light) 0%, var(--gold) 60%, var(--gold-dark) 100%);
  color: #3a2c07; box-shadow: 0 6px 18px rgba(201,162,75,.35);
}
.btn--gold:hover { filter: brightness(1.05); transform: translateY(-1px); box-shadow: 0 10px 24px rgba(201,162,75,.45); }
.btn--block { width: 100%; }
.btn--sm { padding: 10px 18px; font-size: .9rem; }
.btn--lg { padding: 16px 30px; font-size: 1.05rem; }

/* ============ HEADER ============ */
.site-header {
  position: sticky; top: 0; z-index: 40;
  background: rgba(255,255,255,.92); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; gap: 24px; height: 68px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; font-size: 1.15rem; color: var(--navy); }
.brand-mark {
  width: 34px; height: 34px; border-radius: 9px; color: var(--gold-dark);
  background: var(--bg-soft); display: grid; place-items: center;
}
.brand-mark svg { width: 20px; height: 20px; }
.main-nav { display: flex; gap: 26px; margin-left: auto; }
.main-nav a { font-weight: 600; font-size: .95rem; color: var(--muted); transition: var(--t); }
.main-nav a:hover { color: var(--navy); }
.header-inner .btn { margin-left: 4px; }

/* ============ HERO ============ */
.hero { padding: 70px 0 60px; background: linear-gradient(180deg, #f7fafe 0%, #ffffff 100%); }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 54px; align-items: center; }
.hero-copy h1 { margin: 16px 0 18px; }
.hero-lead { font-size: 1.14rem; color: var(--muted); max-width: 540px; }
.hero-usp { list-style: none; margin-top: 28px; display: grid; gap: 14px; }
.hero-usp li { position: relative; padding-left: 34px; font-size: 1.02rem; }
.hero-usp li::before {
  content: "✓"; position: absolute; left: 0; top: 1px;
  width: 22px; height: 22px; border-radius: 50%; background: var(--navy); color: var(--gold-light);
  display: grid; place-items: center; font-size: .72rem; font-weight: 700;
}
.hero-usp b { color: var(--navy); }

/* ============ FORM CARD ============ */
.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: 30px; box-shadow: var(--shadow-lg);
}
.form-card-head h3 { margin-bottom: 8px; }
.form-card-head p { color: var(--muted); font-size: .95rem; margin-bottom: 20px; }
.lead-form { display: grid; gap: 12px; position: relative; }
.field input {
  width: 100%; padding: 14px 16px; border: 1.5px solid var(--line); border-radius: var(--r-sm);
  background: var(--bg-soft); transition: var(--t);
}
.field input:focus { outline: none; border-color: var(--gold); background: #fff; box-shadow: 0 0 0 3px rgba(201,162,75,.15); }
.field.iz-has-error input { border-color: #e05a5a; background: #fdf3f3; }
.consent { display: flex; gap: 9px; align-items: flex-start; font-size: .8rem; color: var(--muted); line-height: 1.45; }
.consent input { margin-top: 3px; accent-color: var(--gold-dark); flex-shrink: 0; }
.consent a { color: var(--gold-dark); text-decoration: underline; }
.consent--light { color: rgba(255,255,255,.7); }
.consent--light a { color: var(--gold-light); }
.form-success {
  position: absolute; inset: 0; background: #fff; border-radius: var(--r);
  display: grid; place-content: center; text-align: center; gap: 6px; padding: 20px;
}
.form-success[hidden] { display: none; }
.is-hidden { display: none !important; }
.calc-result .form-success, .cta-form-wrap .form-success { background: #12335c; color: #fff; }
.calc-result .form-success span, .cta-form-wrap .form-success span { color: rgba(255,255,255,.72); }
.form-success .fs-icon {
  width: 52px; height: 52px; border-radius: 50%; background: var(--green); color: #fff;
  display: grid; place-items: center; font-size: 1.6rem; margin: 0 auto 6px;
}
.form-success b { font-size: 1.15rem; }
.form-success span { color: var(--muted); font-size: .92rem; }

/* ============ TRUST ============ */
.trust { border-bottom: 1px solid var(--line); background: var(--navy); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-item { padding: 26px 20px; text-align: center; color: #fff; border-right: 1px solid rgba(255,255,255,.1); }
.trust-item:last-child { border-right: none; }
.trust-item b { display: block; font-size: 1.15rem; color: var(--gold-light); margin-bottom: 4px; }
.trust-item span { font-size: .88rem; color: rgba(255,255,255,.68); }

/* ============ CARDS ============ */
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 28px;
  transition: var(--t); position: relative;
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: transparent; }
.card-num { font-size: .85rem; font-weight: 800; color: var(--gold-dark); letter-spacing: .1em; margin-bottom: 12px; }
.card h3 { margin-bottom: 10px; }
.card p { color: var(--muted); font-size: .95rem; }
.card-price { margin-top: 16px; font-weight: 800; color: var(--navy); font-size: 1.05rem; }
.card-price--free { color: var(--green); }
.card--cta { background: var(--navy); color: #fff; display: flex; flex-direction: column; }
.card--cta h3 { color: #fff; }
.card--cta p { color: rgba(255,255,255,.72); margin-bottom: auto; }
.card--cta .btn { margin-top: 18px; }

/* ============ CALC ============ */
.calc { display: grid; grid-template-columns: 1.3fr 1fr; gap: 24px; align-items: stretch; }
.calc-controls { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 30px; }
.calc-row { margin-bottom: 24px; }
.calc-row:last-child { margin-bottom: 0; }
.calc-row > label { display: block; font-weight: 700; font-size: .95rem; margin-bottom: 12px; }
.calc-row > label b { color: var(--gold-dark); }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip {
  padding: 9px 16px; border: 1.5px solid var(--line); border-radius: 40px; font-weight: 600;
  font-size: .9rem; color: var(--muted); background: #fff; transition: var(--t);
}
.chip:hover { border-color: var(--gold); }
.chip.is-active { background: var(--navy); border-color: var(--navy); color: #fff; }
.checks { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.check { display: flex; align-items: center; gap: 9px; font-size: .92rem; cursor: pointer; }
.check input { accent-color: var(--gold-dark); width: 17px; height: 17px; }
.range { width: 100%; accent-color: var(--gold-dark); height: 6px; }
.calc-result {
  background: var(--navy); color: #fff; border-radius: var(--r); padding: 30px;
  display: flex; flex-direction: column; text-align: center;
}
.calc-result-label { font-size: .9rem; color: rgba(255,255,255,.7); }
.calc-result-sum { font-size: clamp(2rem, 4vw, 2.7rem); font-weight: 800; color: var(--gold-light); margin: 6px 0 4px; }
.calc-note { font-size: .82rem; color: rgba(255,255,255,.6); margin-bottom: 20px; }
.calc-result .lead-form { text-align: left; margin-top: auto; }
.calc-result .field input { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.15); color: #fff; }
.calc-result .field input::placeholder { color: rgba(255,255,255,.5); }
.calc-result .consent { color: rgba(255,255,255,.7); }
.calc-result .consent a { color: var(--gold-light); }

/* ============ EXTRA / REASONS / STEPS ============ */
.extra-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.extra-item { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 26px; text-align: center; }
.extra-plus {
  display: grid; place-items: center; width: 46px; height: 46px; margin: 0 auto 14px;
  border-radius: 50%; background: var(--bg-soft); color: var(--gold-dark); font-size: 1.5rem; font-weight: 800;
}
.extra-item b { display: block; font-size: 1.08rem; margin-bottom: 6px; }
.extra-item p { color: var(--muted); font-size: .9rem; }

.reasons { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.reason { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 24px; }
.reason span {
  display: grid; place-items: center; width: 38px; height: 38px; border-radius: 10px;
  background: var(--navy); color: var(--gold-light); font-weight: 800; margin-bottom: 14px;
}
.reason p { font-size: .92rem; color: var(--muted); }

.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.step { text-align: left; position: relative; }
.step-n {
  width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center;
  background: linear-gradient(180deg, var(--gold-light), var(--gold)); color: #3a2c07;
  font-weight: 800; font-size: 1.2rem; margin-bottom: 16px;
}
.step h3 { margin-bottom: 8px; }
.step p { color: var(--muted); font-size: .94rem; }

/* ============ FAQ ============ */
.faq { display: grid; gap: 12px; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; }
.faq-item summary {
  list-style: none; cursor: pointer; padding: 20px 24px; font-weight: 700; font-size: 1.02rem;
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; color: var(--gold-dark); font-size: 1.5rem; font-weight: 400; transition: var(--t); }
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-body { padding: 0 24px 22px; color: var(--muted); }

/* ============ FINAL CTA ============ */
.cta-final { padding: 72px 0; }
.cta-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center; }
.cta-copy h2 { margin-bottom: 14px; }
.cta-form-wrap { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: var(--r-lg); padding: 28px; }
.cta-form-wrap .field input { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.18); color: #fff; }
.cta-form-wrap .field input::placeholder { color: rgba(255,255,255,.55); }

/* ============ FOOTER ============ */
.site-footer { background: #0a1b30; color: rgba(255,255,255,.7); }
.footer-inner { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 40px; padding: 56px 24px 40px; }
.brand--footer { color: #fff; margin-bottom: 16px; }
.brand--footer .brand-mark { background: rgba(255,255,255,.08); }
.footer-about p { font-size: .92rem; max-width: 380px; }
.footer-col h4 { color: #fff; font-size: .95rem; margin-bottom: 16px; }
.footer-col a { display: block; font-size: .92rem; color: rgba(255,255,255,.62); padding: 5px 0; transition: var(--t); }
.footer-col a:hover { color: var(--gold-light); }
.footer-col p { font-size: .92rem; margin-bottom: 14px; }
.footer-legal { border-top: 1px solid rgba(255,255,255,.1); }
.footer-legal .container { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; padding-top: 22px; padding-bottom: 26px; }
.footer-legal p { font-size: .82rem; color: rgba(255,255,255,.5); line-height: 1.5; }
.footer-copy { text-align: right; }

/* ============ MODAL ============ */
.modal { position: fixed; inset: 0; z-index: 90; display: grid; place-items: center; padding: 20px; }
.modal[hidden] { display: none; }
.modal-backdrop { position: absolute; inset: 0; background: rgba(10,20,40,.6); backdrop-filter: blur(3px); }
.modal-card {
  position: relative; background: #fff; border-radius: var(--r-lg); padding: 36px; width: 100%; max-width: 440px;
  box-shadow: var(--shadow-lg); animation: pop .25s ease;
}
@keyframes pop { from { opacity: 0; transform: translateY(14px) scale(.98); } to { opacity: 1; transform: none; } }
.modal-close { position: absolute; top: 14px; right: 16px; font-size: 1.8rem; color: var(--muted); line-height: 1; }
.modal-card h3 { margin-bottom: 8px; }
.modal-sub { color: var(--muted); font-size: .95rem; margin-bottom: 20px; }

/* ============ RESPONSIVE ============ */
@media (max-width: 900px) {
  .hero-grid, .calc, .cta-grid { grid-template-columns: 1fr; }
  .hero-form-wrap { order: -1; }
  .cards-grid, .extra-grid, .steps { grid-template-columns: 1fr 1fr; }
  .reasons { grid-template-columns: 1fr 1fr; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .trust-item:nth-child(2) { border-right: none; }
  .main-nav { display: none; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .footer-about { grid-column: 1 / -1; }
}
@media (max-width: 560px) {
  .section { padding: 56px 0; }
  .cards-grid, .extra-grid, .steps, .reasons, .trust-grid, .checks { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
  .footer-legal .container { flex-direction: column; align-items: flex-start; }
  .footer-copy { text-align: left; }
  .header-inner .btn { display: none; }
}