/* ============================================================================
   КАЗМИКРОКРЕДИТ — Design System
   Aesthetic: refined institutional fintech · deep petrol-teal + warm gold
   Type: Manrope (display) + Golos Text (body) — full Cyrillic
   ========================================================================== */

/* ---------- Tokens ---------- */
:root {
  /* Brand */
  --brand:        #0B4650;   /* deep petrol teal */
  --brand-dark:   #06333A;
  --brand-bright: #0E5B67;
  --brand-deep:   #052A30;

  --gold:         #D6A23B;
  --gold-dark:    #B9862A;
  --gold-soft:    #F2E6C9;

  /* Neutrals */
  --ink:          #10201F;
  --muted:        #566765;
  --muted-2:      #7C8A88;
  --paper:        #F7F5EF;   /* warm page bg */
  --paper-2:      #FBFAF5;
  --surface:      #FFFFFF;
  --line:         rgba(16, 32, 31, .10);
  --line-strong:  rgba(16, 32, 31, .18);

  /* States */
  --success:      #2E7D5B;
  --danger:       #C0392B;
  --info:         #2C6E8F;

  /* Type */
  --font-display: "Manrope", "Golos Text", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-body:    "Golos Text", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --step--1: clamp(0.82rem, 0.80rem + 0.1vw, 0.875rem);
  --step-0:  clamp(1rem,    0.97rem + 0.15vw, 1.0625rem);
  --step-1:  clamp(1.18rem, 1.10rem + 0.4vw, 1.35rem);
  --step-2:  clamp(1.45rem, 1.30rem + 0.75vw, 1.9rem);
  --step-3:  clamp(1.8rem,  1.55rem + 1.25vw, 2.6rem);
  --step-4:  clamp(2.15rem, 1.75rem + 2vw,   3.4rem);
  --step-5:  clamp(2.6rem,  2.0rem + 3vw,    4.4rem);

  /* Space */
  --sp-1: .375rem; --sp-2: .625rem; --sp-3: 1rem; --sp-4: 1.5rem;
  --sp-5: 2.25rem; --sp-6: 3.25rem; --sp-7: 4.5rem; --sp-8: 6.5rem;

  /* Radius / shadow */
  --r-sm: 8px; --r: 14px; --r-lg: 22px; --r-xl: 30px; --r-pill: 999px;
  --sh-1: 0 1px 2px rgba(6,42,48,.06), 0 2px 8px rgba(6,42,48,.05);
  --sh-2: 0 8px 24px rgba(6,42,48,.09), 0 2px 6px rgba(6,42,48,.06);
  --sh-3: 0 24px 60px rgba(6,42,48,.16), 0 8px 20px rgba(6,42,48,.08);
  --sh-gold: 0 12px 28px rgba(214,162,59,.30);

  --container: 1180px;
  --ease: cubic-bezier(.4, 0, .2, 1);
  --ease-out: cubic-bezier(.16, 1, .3, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}
body {
  font-family: var(--font-body);
  font-size: var(--step-0);
  line-height: 1.62;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg, video { display: block; max-width: 100%; height: auto; }
a { color: var(--brand-bright); text-decoration: none; transition: color .2s var(--ease); }
a:hover { color: var(--gold-dark); }
button { font: inherit; cursor: pointer; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }
ul, ol { padding-left: 1.15em; }

/* ---------- Typography ---------- */
h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 800; line-height: 1.08; letter-spacing: -.02em; color: var(--ink); }
h1 { font-size: var(--step-5); }
h2 { font-size: var(--step-3); }
h3 { font-size: var(--step-2); }
h4 { font-size: var(--step-1); font-weight: 700; }
p { max-width: 68ch; }
.lead { font-size: var(--step-1); color: var(--muted); font-weight: 400; }
strong, b { font-weight: 700; color: var(--ink); }
.tnum { font-variant-numeric: tabular-nums; }

/* ---------- Layout ---------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: clamp(1.15rem, 4vw, 2.5rem); }
.container--narrow { max-width: 820px; }
.section { padding-block: clamp(3.25rem, 7vw, 6rem); }
.section--tight { padding-block: clamp(2.25rem, 5vw, 4rem); }
.section--paper2 { background: var(--paper-2); }
.section--surface { background: var(--surface); }
.stack > * + * { margin-top: var(--sp-4); }

.eyebrow {
  display: inline-flex; align-items: center; gap: .5em;
  font-family: var(--font-display); font-weight: 700; font-size: var(--step--1);
  letter-spacing: .14em; text-transform: uppercase; color: var(--gold-dark);
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold); border-radius: 2px; }
.section-head { max-width: 760px; margin-bottom: clamp(2rem, 4vw, 3rem); }
.section-head .lead { margin-top: var(--sp-3); }
.text-center { text-align: center; }
.center-x { margin-inline: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55em;
  font-family: var(--font-display); font-weight: 700; font-size: 1.02rem;
  line-height: 1; text-align: center; white-space: nowrap;
  padding: 1.05em 1.75em; border: 1.5px solid transparent; border-radius: var(--r-pill);
  transition: transform .2s var(--ease-out), box-shadow .25s var(--ease), background .2s var(--ease), color .2s var(--ease);
  cursor: pointer; max-width: 100%;
}
.btn svg { width: 1.15em; height: 1.15em; }
.btn:active { transform: translateY(1px); }
.btn--primary { background: var(--gold); color: #3a2a06; box-shadow: var(--sh-gold); }
.btn--primary:hover { background: var(--gold-dark); color: #fff; transform: translateY(-2px); box-shadow: 0 16px 34px rgba(185,134,42,.38); }
.btn--brand { background: var(--brand); color: #fff; }
.btn--brand:hover { background: var(--brand-bright); color: #fff; transform: translateY(-2px); box-shadow: var(--sh-2); }
.btn--ghost { background: transparent; color: var(--brand); border-color: var(--line-strong); }
.btn--ghost:hover { border-color: var(--brand); background: rgba(11,70,80,.05); color: var(--brand); }
.btn--light { background: rgba(255,255,255,.14); color: #fff; border-color: rgba(255,255,255,.28); backdrop-filter: blur(4px); }
.btn--light:hover { background: rgba(255,255,255,.24); color: #fff; }
.btn--wide { width: 100%; }
.btn--sm { padding: .7em 1.15em; font-size: .92rem; }
.btn--lg { padding: 1.2em 2.2em; font-size: 1.12rem; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 60;
  background: rgba(247,245,239,.82); backdrop-filter: saturate(150%) blur(12px);
  border-bottom: 1px solid transparent; transition: box-shadow .3s var(--ease), border-color .3s var(--ease), background .3s var(--ease);
}
.site-header.is-scrolled { box-shadow: var(--sh-1); border-color: var(--line); background: rgba(247,245,239,.94); }
.nav { display: flex; align-items: center; gap: var(--sp-4); min-height: 76px; }
.brand { display: inline-flex; align-items: center; gap: .7rem; flex-shrink: 0; }
.brand__mark { width: 40px; height: 40px; }
.brand__name { font-family: var(--font-display); font-weight: 800; font-size: 1.18rem; letter-spacing: -.02em; color: var(--brand); line-height: 1; }
.brand__name small { display: block; font-size: .58rem; font-weight: 600; letter-spacing: .18em; color: var(--muted-2); text-transform: uppercase; margin-top: 3px; }
.nav__links { display: flex; align-items: center; gap: clamp(.5rem, 1.4vw, 1.35rem); margin-left: auto; }
.nav__links a { font-family: var(--font-display); font-weight: 600; font-size: .96rem; color: var(--ink); padding: .4em 0; position: relative; }
.nav__links a::after { content: ""; position: absolute; left: 0; bottom: -2px; width: 0; height: 2px; background: var(--gold); border-radius: 2px; transition: width .25s var(--ease); }
.nav__links a:hover, .nav__links a[aria-current="page"] { color: var(--brand); }
.nav__links a:hover::after, .nav__links a[aria-current="page"]::after { width: 100%; }
.nav__cta { display: flex; align-items: center; gap: .75rem; flex-shrink: 0; }
.nav__phone { display: inline-flex; flex-direction: column; align-items: flex-end; line-height: 1.05; }
.nav__phone b { font-family: var(--font-display); font-weight: 800; font-size: 1.02rem; color: var(--brand); letter-spacing: -.01em; }
.nav__phone span { font-size: .72rem; color: var(--muted-2); }
.nav__toggle { display: none; width: 46px; height: 46px; border: 1px solid var(--line-strong); border-radius: 12px; background: var(--surface); flex-direction: column; align-items: center; justify-content: center; gap: 5px; margin-left: auto; }
.nav__toggle span { width: 20px; height: 2px; background: var(--brand); border-radius: 2px; transition: transform .3s var(--ease), opacity .2s; }
.nav__toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav__toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* CTA inside the links row is for the mobile menu only — hidden on desktop (nav__cta has it) */
.nav__links .btn { display: none; }

@media (max-width: 1000px) {
  .nav__phone span { display: none; }
}
@media (max-width: 900px) {
  .nav__toggle { display: flex; }
  .nav__cta { display: none; }
  .nav__links {
    position: fixed; inset: 76px 0 auto 0; flex-direction: column; align-items: stretch; gap: 0;
    background: var(--surface); padding: var(--sp-3) clamp(1.15rem,4vw,2.5rem) var(--sp-5);
    box-shadow: var(--sh-3); border-top: 1px solid var(--line);
    transform: translateY(-12px); opacity: 0; pointer-events: none; transition: transform .3s var(--ease-out), opacity .25s var(--ease);
  }
  .nav__links.is-open { transform: translateY(0); opacity: 1; pointer-events: auto; }
  .nav__links a { padding: .95em 0; border-bottom: 1px solid var(--line); font-size: 1.08rem; }
  .nav__links a::after { display: none; }
  .nav__links .btn { display: inline-flex; margin-top: var(--sp-3); padding: 1.05em 1.75em; border-bottom: none; }
}

/* ---------- Hero ---------- */
.hero { position: relative; color: #EAF2F1; background: var(--brand-deep); overflow: hidden; }
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(120% 90% at 82% -10%, rgba(14,91,103,.85), transparent 60%),
    radial-gradient(90% 80% at 8% 110%, rgba(214,162,59,.16), transparent 55%),
    linear-gradient(160deg, var(--brand-deep), var(--brand-dark) 55%, #04262b);
}
.hero__ornament { position: absolute; right: -40px; top: 50%; transform: translateY(-50%); width: min(46vw, 620px); opacity: .10; color: var(--gold); pointer-events: none; }
.hero .container { position: relative; z-index: 2; }
.hero__grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(2rem, 4vw, 4rem); align-items: center; padding-block: clamp(3rem, 6vw, 5.5rem); }
.hero__eyebrow { color: var(--gold); }
.hero__eyebrow::before { background: var(--gold); }
.hero h1 { color: #fff; margin-top: var(--sp-3); }
.hero h1 .accent { color: var(--gold); }
.hero__sub { color: rgba(234,242,241,.82); font-size: var(--step-1); margin-top: var(--sp-4); max-width: 46ch; }
.hero__cta { display: flex; flex-wrap: wrap; gap: var(--sp-3); margin-top: var(--sp-5); }
.hero__trust { display: flex; flex-wrap: wrap; gap: var(--sp-4) var(--sp-5); margin-top: var(--sp-6); padding-top: var(--sp-4); border-top: 1px solid rgba(255,255,255,.14); }
.hero__trust .t { display: flex; flex-direction: column; }
.hero__trust .t b { font-family: var(--font-display); font-weight: 800; font-size: 1.6rem; color: #fff; line-height: 1; }
.hero__trust .t span { font-size: .82rem; color: rgba(234,242,241,.7); margin-top: 4px; }

@media (max-width: 920px) {
  .hero__grid { grid-template-columns: 1fr; gap: var(--sp-5); }
  .hero__ornament { display: none; }
}

/* ---------- Calculator ---------- */
.calc {
  background: var(--surface); color: var(--ink); border-radius: var(--r-xl);
  box-shadow: var(--sh-3); padding: clamp(1.35rem, 3vw, 2rem); border: 1px solid rgba(255,255,255,.4);
}
.calc__head { display: flex; align-items: baseline; justify-content: space-between; gap: 1rem; margin-bottom: var(--sp-4); }
.calc__head h3 { font-size: var(--step-1); }
.calc__badge { font-family: var(--font-display); font-weight: 700; font-size: .72rem; letter-spacing: .06em; text-transform: uppercase; color: var(--success); background: rgba(46,125,91,.10); padding: .4em .7em; border-radius: var(--r-pill); }
.calc__field { margin-bottom: var(--sp-4); }
.calc__field-top { display: flex; align-items: baseline; justify-content: space-between; margin-bottom: .6rem; }
.calc__label { font-weight: 600; color: var(--muted); font-size: .95rem; }
.calc__value { font-family: var(--font-display); font-weight: 800; font-size: 1.5rem; color: var(--brand); font-variant-numeric: tabular-nums; }
.calc__value small { font-size: .95rem; font-weight: 600; color: var(--muted); }
.calc__range { -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: var(--r-pill); background: var(--gold-soft); outline: none; }
.calc__range::-webkit-slider-thumb { -webkit-appearance: none; width: 28px; height: 28px; border-radius: 50%; background: var(--brand); border: 4px solid #fff; box-shadow: var(--sh-2); cursor: grab; transition: transform .15s var(--ease); }
.calc__range::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(1.1); }
.calc__range::-moz-range-thumb { width: 28px; height: 28px; border-radius: 50%; background: var(--brand); border: 4px solid #fff; box-shadow: var(--sh-2); cursor: grab; }
.calc__minmax { display: flex; justify-content: space-between; font-size: .78rem; color: var(--muted-2); margin-top: .45rem; font-variant-numeric: tabular-nums; }
.calc__result { background: linear-gradient(135deg, var(--brand), var(--brand-bright)); color: #fff; border-radius: var(--r-lg); padding: var(--sp-4); margin-top: var(--sp-4); }
.calc__result-row { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .5rem 0; }
.calc__result-row + .calc__result-row { border-top: 1px solid rgba(255,255,255,.16); }
.calc__result-row .k { color: rgba(255,255,255,.78); font-size: .95rem; }
.calc__result-row .v { font-family: var(--font-display); font-weight: 800; font-size: 1.25rem; font-variant-numeric: tabular-nums; }
.calc__result-row--main .v { font-size: 1.75rem; color: var(--gold); }
.calc__note { font-size: .8rem; color: var(--muted-2); margin-top: var(--sp-3); line-height: 1.5; }
.calc .btn { margin-top: var(--sp-4); }

/* ---------- Cards / grids ---------- */
.grid { display: grid; gap: clamp(1rem, 2.5vw, 1.75rem); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; } }

.card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: clamp(1.4rem, 2.5vw, 1.9rem); box-shadow: var(--sh-1);
  transition: transform .3s var(--ease-out), box-shadow .3s var(--ease), border-color .3s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--sh-2); border-color: rgba(11,70,80,.2); }
.card__icon { width: 54px; height: 54px; display: grid; place-items: center; border-radius: 14px; background: var(--gold-soft); color: var(--brand); margin-bottom: var(--sp-3); }
.card__icon svg { width: 28px; height: 28px; }
.card h3, .card h4 { font-size: var(--step-1); margin-bottom: .5rem; }
.card p { color: var(--muted); font-size: .97rem; }

/* Benefit tile (compact) */
.benefit { display: flex; gap: var(--sp-3); align-items: flex-start; }
.benefit__ic { flex-shrink: 0; width: 48px; height: 48px; border-radius: 13px; background: rgba(11,70,80,.08); color: var(--brand); display: grid; place-items: center; }
.benefit__ic svg { width: 26px; height: 26px; }
.benefit b { font-family: var(--font-display); display: block; margin-bottom: 2px; }
.benefit span { color: var(--muted); font-size: .95rem; }

/* Steps */
.steps { counter-reset: step; display: grid; gap: clamp(1rem,2.5vw,1.75rem); grid-template-columns: repeat(3,1fr); }
@media (max-width: 820px){ .steps { grid-template-columns: 1fr; } }
.step { position: relative; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 2.4rem 1.6rem 1.6rem; box-shadow: var(--sh-1); }
.step::before { counter-increment: step; content: counter(step); position: absolute; top: -22px; left: 1.6rem; width: 48px; height: 48px; border-radius: 50%; background: var(--brand); color: #fff; font-family: var(--font-display); font-weight: 800; font-size: 1.25rem; display: grid; place-items: center; box-shadow: var(--sh-2); }
.step h4 { margin: .3rem 0 .5rem; }
.step p { color: var(--muted); font-size: .96rem; }

/* ---------- Conditions table ---------- */
.spec {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg);
  overflow: hidden; box-shadow: var(--sh-1);
}
.spec__row { display: grid; grid-template-columns: 1fr auto; gap: 1rem; padding: 1.05rem 1.5rem; align-items: center; }
.spec__row + .spec__row { border-top: 1px solid var(--line); }
.spec__row .k { color: var(--muted); font-size: .98rem; }
.spec__row .v { font-family: var(--font-display); font-weight: 700; color: var(--ink); text-align: right; font-variant-numeric: tabular-nums; }
.spec__row .v .u { color: var(--muted); font-weight: 600; font-size: .85em; }

/* ---------- FAQ accordion ---------- */
.faq { border-top: 1px solid var(--line); }
.faq__item { border-bottom: 1px solid var(--line); }
.faq__q {
  width: 100%; text-align: left; background: none; border: none; padding: 1.35rem 3rem 1.35rem 0;
  font-family: var(--font-display); font-weight: 700; font-size: var(--step-1); color: var(--ink);
  position: relative; display: block;
}
.faq__q::after { content: ""; position: absolute; right: .3rem; top: 50%; width: 14px; height: 14px; margin-top: -7px; background: none; border-right: 2.5px solid var(--gold-dark); border-bottom: 2.5px solid var(--gold-dark); transform: rotate(45deg); transition: transform .3s var(--ease); }
.faq__q[aria-expanded="true"]::after { transform: rotate(-135deg); }
.faq__a { overflow: hidden; height: 0; transition: height .3s var(--ease); }
.faq__a-inner { padding: 0 0 1.5rem; color: var(--muted); max-width: 80ch; }
.faq__a-inner p + p { margin-top: .8rem; }

/* ---------- Trust / stats band ---------- */
.stats { display: grid; grid-template-columns: repeat(4,1fr); gap: var(--sp-4); }
@media (max-width: 720px){ .stats { grid-template-columns: repeat(2,1fr); } }
.stat { text-align: center; padding: var(--sp-3); }
.stat b { font-family: var(--font-display); font-weight: 800; font-size: clamp(2rem,4vw,2.8rem); color: var(--brand); line-height: 1; display: block; }
.stat span { color: var(--muted); font-size: .92rem; margin-top: .4rem; display: block; }

/* ---------- Callout / disclosure ---------- */
.callout { border-radius: var(--r-lg); padding: var(--sp-4) var(--sp-5); border: 1px solid var(--line); background: var(--paper-2); }
.callout--info { border-left: 4px solid var(--info); }
.callout--warn { border-left: 4px solid var(--gold-dark); background: #FBF6EA; }
.callout h4 { margin-bottom: .4rem; }
.callout p { color: var(--muted); }

/* ---------- Document list ---------- */
.doclist { display: grid; gap: .7rem; }
.doc {
  display: flex; align-items: center; gap: var(--sp-3); padding: 1rem 1.25rem;
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--r); box-shadow: var(--sh-1);
  transition: transform .2s var(--ease-out), box-shadow .2s, border-color .2s;
}
.doc:hover { transform: translateX(3px); box-shadow: var(--sh-2); border-color: rgba(11,70,80,.2); }
.doc__ic { flex-shrink: 0; width: 44px; height: 44px; border-radius: 11px; background: rgba(192,57,43,.08); color: var(--danger); display: grid; place-items: center; }
.doc__ic svg { width: 24px; height: 24px; }
.doc__meta { flex: 1; min-width: 0; }
.doc__meta b { font-family: var(--font-display); font-weight: 700; font-size: 1rem; color: var(--ink); display: block; }
.doc__meta span { font-size: .82rem; color: var(--muted-2); }
.doc__dl { flex-shrink: 0; color: var(--brand); }

/* ---------- CTA band ---------- */
.cta-band { position: relative; background: var(--brand-deep); color: #fff; border-radius: var(--r-xl); padding: clamp(2.25rem,5vw,3.75rem); overflow: hidden; text-align: center; }
.cta-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(90% 120% at 50% -20%, rgba(14,91,103,.9), transparent 60%), radial-gradient(60% 80% at 80% 120%, rgba(214,162,59,.18), transparent); }
.cta-band > * { position: relative; z-index: 1; }
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(234,242,241,.82); margin: var(--sp-3) auto 0; }
.cta-band .btn { margin-top: var(--sp-5); }

/* ---------- Contacts ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: clamp(1.5rem,3vw,2.5rem); align-items: stretch; }
@media (max-width: 860px){ .contact-grid { grid-template-columns: 1fr; } }
.contact-list { display: grid; gap: var(--sp-3); }
.contact-item { display: flex; gap: var(--sp-3); align-items: flex-start; padding: 1.1rem 1.25rem; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r); }
.contact-item__ic { flex-shrink: 0; width: 46px; height: 46px; border-radius: 12px; background: var(--gold-soft); color: var(--brand); display: grid; place-items: center; }
.contact-item__ic svg { width: 24px; height: 24px; }
.contact-item .k { font-size: .8rem; color: var(--muted-2); text-transform: uppercase; letter-spacing: .06em; }
.contact-item .v { font-family: var(--font-display); font-weight: 700; font-size: 1.08rem; color: var(--ink); }
.contact-item .v a { color: var(--ink); }
.contact-item .v a:hover { color: var(--brand); }
.map-embed { width: 100%; height: 100%; min-height: 340px; border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; box-shadow: var(--sh-1); }
.map-embed iframe { width: 100%; height: 100%; min-height: 340px; border: 0; display: block; }

/* ---------- Form ---------- */
.form { background: var(--surface); border: 1px solid var(--line); border-radius: var(--r-lg); padding: clamp(1.5rem,3vw,2rem); box-shadow: var(--sh-2); }
.field { margin-bottom: var(--sp-3); }
.field label { display: block; font-weight: 600; font-size: .9rem; color: var(--muted); margin-bottom: .4rem; }
.field input, .field textarea, .field select {
  width: 100%; padding: .85em 1em; font: inherit; color: var(--ink);
  background: var(--paper-2); border: 1.5px solid var(--line-strong); border-radius: var(--r-sm); transition: border-color .2s, box-shadow .2s;
}
.field input:focus, .field textarea:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 3px rgba(11,70,80,.12); }
.form__consent { display: flex; gap: .6rem; align-items: flex-start; font-size: .82rem; color: var(--muted); margin: var(--sp-3) 0; }
.form__consent input { margin-top: 3px; flex-shrink: 0; }

/* ---------- Breadcrumbs / page hero ---------- */
.page-hero { background: var(--brand-deep); color: #fff; position: relative; overflow: hidden; }
.page-hero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(80% 120% at 85% -20%, rgba(14,91,103,.8), transparent 55%), linear-gradient(160deg, var(--brand-deep), var(--brand-dark)); }
.page-hero .container { position: relative; z-index: 1; padding-block: clamp(2.5rem, 5vw, 4rem); }
.page-hero h1 { color: #fff; max-width: 20ch; }
.page-hero .lead { color: rgba(234,242,241,.82); margin-top: var(--sp-3); }
.crumbs { display: flex; flex-wrap: wrap; gap: .5rem; align-items: center; font-size: .85rem; color: rgba(234,242,241,.7); margin-bottom: var(--sp-3); }
.crumbs a { color: rgba(234,242,241,.85); }
.crumbs a:hover { color: var(--gold); }
.crumbs span { opacity: .5; }

/* ---------- Prose (legal / article pages) ---------- */
.prose { max-width: 74ch; }
.prose > * + * { margin-top: 1.1rem; }
.prose h2 { font-size: var(--step-2); margin-top: 2.4rem; }
.prose h3 { font-size: var(--step-1); margin-top: 1.8rem; }
.prose p, .prose li { color: var(--ink); }
.prose ul, .prose ol { display: grid; gap: .5rem; }
.prose a { text-decoration: underline; text-underline-offset: 3px; }
.prose .muted { color: var(--muted); }

/* ---------- Footer ---------- */
.site-footer { background: var(--brand-deep); color: rgba(234,242,241,.72); padding-block: clamp(2.75rem,5vw,4rem) 2rem; margin-top: clamp(3rem,6vw,5rem); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: var(--sp-5); }
@media (max-width: 860px){ .footer-grid { grid-template-columns: 1fr 1fr; gap: var(--sp-5) var(--sp-4); } }
@media (max-width: 520px){ .footer-grid { grid-template-columns: 1fr; } }
.site-footer .brand__name { color: #fff; }
.site-footer .brand__name small { color: rgba(234,242,241,.6); }
.footer-about { max-width: 34ch; font-size: .92rem; margin-top: var(--sp-3); }
.footer-col h5 { font-family: var(--font-display); font-weight: 700; color: #fff; font-size: .95rem; letter-spacing: .04em; text-transform: uppercase; margin-bottom: var(--sp-3); }
.footer-col ul { list-style: none; padding: 0; display: grid; gap: .6rem; }
.footer-col a { color: rgba(234,242,241,.72); font-size: .95rem; }
.footer-col a:hover { color: var(--gold); }
.footer-contact li { display: flex; gap: .6rem; align-items: flex-start; margin-bottom: .6rem; font-size: .95rem; }
.footer-contact svg { width: 18px; height: 18px; flex-shrink: 0; margin-top: 3px; color: var(--gold); }
.footer-bottom { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: space-between; align-items: center; margin-top: var(--sp-6); padding-top: var(--sp-4); border-top: 1px solid rgba(255,255,255,.12); font-size: .82rem; }
.footer-bottom a { color: rgba(234,242,241,.7); text-decoration: underline; text-underline-offset: 2px; }
.footer-reg { max-width: 65ch; line-height: 1.55; }

/* ---------- Sticky mobile action bar ---------- */
.mobile-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 55; display: none; gap: .5rem; padding: .6rem .8rem calc(.6rem + env(safe-area-inset-bottom)); background: rgba(247,245,239,.96); backdrop-filter: blur(10px); border-top: 1px solid var(--line); box-shadow: 0 -4px 20px rgba(6,42,48,.08); }
.mobile-bar .btn { flex: 1; padding: .95em .5em; font-size: .95rem; }
@media (max-width: 760px){ .mobile-bar { display: flex; } body { padding-bottom: 74px; } }

/* ---------- Reveal animation (only hide when JS is active) ---------- */
.js .reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s var(--ease-out), transform .7s var(--ease-out); }
.reveal { opacity: 1; transform: none; }
.reveal.is-in { opacity: 1; transform: none; }
.reveal[data-delay="1"]{ transition-delay: .08s; }
.reveal[data-delay="2"]{ transition-delay: .16s; }
.reveal[data-delay="3"]{ transition-delay: .24s; }
.reveal[data-delay="4"]{ transition-delay: .32s; }

/* ---------- Modal ---------- */
.modal { position: fixed; inset: 0; z-index: 100; display: grid; place-items: center; padding: 1.25rem; opacity: 0; pointer-events: none; transition: opacity .3s var(--ease); }
.modal.is-open { opacity: 1; pointer-events: auto; }
.modal__backdrop { position: absolute; inset: 0; background: rgba(5,42,48,.55); backdrop-filter: blur(3px); }
.modal__box { position: relative; z-index: 1; background: var(--surface); border-radius: var(--r-xl); padding: clamp(1.6rem,4vw,2.5rem); max-width: 440px; width: 100%; box-shadow: var(--sh-3); text-align: center; transform: translateY(16px) scale(.98); transition: transform .35s var(--ease-out); }
.modal.is-open .modal__box { transform: none; }
.modal__close { position: absolute; top: 1rem; right: 1rem; width: 38px; height: 38px; border-radius: 50%; border: 1px solid var(--line); background: var(--paper-2); color: var(--muted); font-size: 1.3rem; line-height: 1; display: grid; place-items: center; }
.modal__close:hover { background: var(--paper); color: var(--ink); }
.modal__badge { width: 66px; height: 66px; margin: 0 auto var(--sp-3); border-radius: 50%; background: var(--gold-soft); color: var(--gold-dark); display: grid; place-items: center; }
.modal__badge svg { width: 34px; height: 34px; }
.modal h3 { font-size: var(--step-2); }
.modal p { color: var(--muted); margin: var(--sp-3) auto 0; }
.modal .hl { color: var(--brand); font-weight: 800; }

/* ============================================================================
   Scroll effects — gold lines · Kazakh ornament · money/growth motif
   ========================================================================== */

/* Gold scroll-progress line at the very top */
.scroll-progress {
  position: fixed; top: 0; left: 0; height: 3px; width: 100%;
  transform: scaleX(0); transform-origin: 0 50%;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold) 60%, #F0CE7E);
  z-index: 70; pointer-events: none; will-change: transform;
}

/* Parallax layer (transform driven by JS) */
[data-parallax] { will-change: transform; }

/* Kazakh ornament divider: ——— ◈ ——— with lines growing from the centre */
.orn-divider {
  display: flex; align-items: center; justify-content: center; gap: 1.1rem;
  max-width: 520px; margin: clamp(1.75rem, 5vw, 3.5rem) auto; color: var(--gold);
}
.orn-divider .orn-line {
  height: 1.5px; flex: 1; border-radius: 2px;
  background: linear-gradient(90deg, transparent, var(--gold));
  transform: scaleX(0); transform-origin: right center;
  transition: transform 1s var(--ease-out);
}
.orn-divider .orn-line:last-child {
  background: linear-gradient(90deg, var(--gold), transparent);
  transform-origin: left center;
}
.orn-divider .orn-mark {
  flex: none; width: 62px; height: auto; color: var(--gold);
  opacity: 0; transform: scale(.55) rotate(-25deg);
  transition: opacity .6s var(--ease), transform .8s var(--ease-out);
}
.orn-divider.is-in .orn-line { transform: scaleX(1); }
.orn-divider.is-in .orn-mark { opacity: 1; transform: none; }
.orn-divider--onbrand { color: var(--gold); }
.orn-divider--onbrand .orn-line { background: linear-gradient(90deg, transparent, rgba(214,162,59,.75)); }
.orn-divider--onbrand .orn-line:last-child { background: linear-gradient(90deg, rgba(214,162,59,.75), transparent); }

/* "Growth line" money motif — a rising chart line drawn on scroll */
.growth-line { position: absolute; inset: 0; width: 100%; height: 100%; pointer-events: none; overflow: hidden; }
.growth-line svg { position: absolute; inset: 0; width: 100%; height: 100%; }
.growth-line .gl-path {
  fill: none; stroke: var(--gold); stroke-width: 2; stroke-opacity: .5;
  stroke-dasharray: 1; stroke-dashoffset: 1;
  transition: stroke-dashoffset 1.8s var(--ease-out);
}
.growth-line .gl-dot { fill: var(--gold); opacity: 0; transform-box: fill-box; transform-origin: center; transition: opacity .4s var(--ease); }
.growth-line.is-in .gl-path { stroke-dashoffset: 0; }
.growth-line.is-in .gl-dot { opacity: 1; }
.growth-line.is-in .gl-dot:nth-child(2) { transition-delay: .5s; }
.growth-line.is-in .gl-dot:nth-child(3) { transition-delay: .9s; }
.growth-line.is-in .gl-dot:nth-child(4) { transition-delay: 1.3s; }
.growth-line.is-in .gl-dot:nth-child(5) { transition-delay: 1.7s; }

/* Count-up numbers */
.count { font-variant-numeric: tabular-nums; }

@media (prefers-reduced-motion: reduce) {
  .orn-divider .orn-line { transform: scaleX(1); }
  .orn-divider .orn-mark { opacity: 1; transform: none; }
  .growth-line .gl-path { stroke-dashoffset: 0; }
  .growth-line .gl-dot { opacity: 1; }
  [data-parallax] { transform: none !important; }
}

/* Accessible skip link (revealed on keyboard focus) */
.skip-link { position: absolute; top: -120px; left: 1rem; z-index: 100; background: var(--brand); color: #fff; padding: .75em 1.25em; border-radius: 0 0 10px 10px; font-family: var(--font-display); font-weight: 700; box-shadow: var(--sh-2); transition: top .2s var(--ease); }
.skip-link:focus { top: 0; }

/* ---------- Utility ---------- */
.muted { color: var(--muted); }
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; }
.hide-mobile { }
@media (max-width: 620px){ .hide-mobile { display: none !important; } }
.divider-orn { display: block; width: 120px; height: 18px; margin: var(--sp-5) auto; color: var(--gold); opacity: .8; }