/* =========================================================
   ГарантБэк — зелёная банковская тема
   ========================================================= */

:root {
	--green: #21a038;
	--green-600: #1a8a2f;
	--green-700: #0f6b27;
	--green-900: #0a3d1d;
	--green-50: #eaf7ee;
	--green-100: #d3efdb;
	--blue: #1f6feb;
	--red: #e53935;
	--text: #1a1d21;
	--muted: #6b7280;
	--line: #e3e7ec;
	--bg: #ffffff;
	--bg-gray: #f3f5f7;
	--radius: 20px;
	--radius-sm: 12px;
	--shadow: 0 1px 2px rgba(16, 24, 40, .04), 0 8px 24px rgba(16, 24, 40, .06);
	--shadow-lg: 0 24px 48px -12px rgba(16, 24, 40, .18);
	--font: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Arial, sans-serif;
	--header-h: 76px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); -webkit-text-size-adjust: 100%; }
html.no-scroll { overflow: hidden; }
body { margin: 0; font-family: var(--font); font-size: 16px; line-height: 1.55; color: var(--text); background: var(--bg); -webkit-font-smoothing: antialiased; }
img, svg { display: block; max-width: 100%; }
a { color: var(--green-600); text-decoration: none; }
a:hover { color: var(--green-700); }
h1, h2, h3, h4 { margin: 0; line-height: 1.15; letter-spacing: -0.02em; font-weight: 800; }
p { margin: 0; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid rgba(33, 160, 56, .35); outline-offset: 2px; }

.container { width: 100%; max-width: 1240px; margin: 0 auto; padding: 0 24px; }
.container--narrow { max-width: 880px; }

/* ---------- Кнопки ---------- */
.btn {
	display: inline-flex; align-items: center; justify-content: center; gap: 8px;
	height: 48px; padding: 0 24px; border: 0; border-radius: var(--radius-sm);
	font-weight: 700; font-size: 15px; cursor: pointer; white-space: nowrap;
	transition: background .2s, color .2s, box-shadow .2s, transform .1s;
}
.btn:active { transform: translateY(1px); }
.btn--primary { background: var(--green); color: #fff; box-shadow: 0 6px 16px -6px rgba(33, 160, 56, .6); }
.btn--primary:hover { background: var(--green-600); color: #fff; }
.btn--ghost { background: #fff; color: var(--text); box-shadow: inset 0 0 0 1.5px var(--line); }
.btn--ghost:hover { color: var(--green-700); box-shadow: inset 0 0 0 1.5px var(--green); }
.btn--white { background: #fff; color: var(--green-700); }
.btn--white:hover { background: var(--green-50); color: var(--green-900); }
.btn--lg { height: 56px; padding: 0 28px; font-size: 16px; border-radius: 14px; }
.btn--block { width: 100%; }
.btn[disabled] { opacity: .7; cursor: progress; }
.btn.is-loading .icon { animation: spin 1s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

.chip { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; font-size: 14px; font-weight: 600; }
.chip--trust { background: #fff; color: var(--green-700); box-shadow: var(--shadow); }
.badge { display: inline-flex; align-items: center; padding: 4px 10px; border-radius: 8px; font-size: 13px; font-weight: 700; background: var(--bg-gray); color: var(--muted); }
.badge--green { background: var(--green-50); color: var(--green-700); }
.accent { color: var(--green); }
.card { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); }
.link { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; }

/* ---------- Шапка ---------- */
.header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .92); backdrop-filter: saturate(180%) blur(12px); transition: box-shadow .2s; }
.header.is-scrolled { box-shadow: 0 1px 0 var(--line), 0 6px 20px -12px rgba(16, 24, 40, .2); }
.header__inner { display: flex; align-items: center; gap: 32px; height: var(--header-h); }
.logo { display: flex; align-items: center; gap: 10px; color: var(--text); flex-shrink: 0; }
.logo:hover { color: var(--text); }
.logo__mark { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 12px; background: var(--green); color: #fff; }
.logo__mark .icon { stroke-width: 3; }
.logo__text { display: flex; flex-direction: column; font-weight: 800; font-size: 20px; line-height: 1.1; letter-spacing: -0.02em; }
.logo__text small { font-size: 12px; font-weight: 600; color: var(--muted); letter-spacing: 0; }
.logo--light, .logo--light:hover { color: #fff; }
.logo--light .logo__text small { color: rgba(255, 255, 255, .6); }
.logo__img { height: 40px; width: auto; }

.nav { display: flex; gap: 28px; flex: 1; }
.nav a { white-space: nowrap; color: var(--text); font-weight: 600; font-size: 15px; }
.nav a:hover { color: var(--green-600); }
.nav__phone { display: none; }
.header__actions { display: flex; align-items: center; gap: 20px; }
.header__phone { display: flex; flex-direction: column; align-items: flex-end; color: var(--text); line-height: 1.25; }
.header__phone strong { font-size: 17px; font-weight: 800; }
.header__phone span { font-size: 12px; color: var(--muted); }
.burger { display: none; width: 44px; height: 44px; border: 0; border-radius: 12px; background: var(--bg-gray); cursor: pointer; position: relative; }
.burger span, .burger span::before, .burger span::after { position: absolute; left: 12px; width: 20px; height: 2px; background: var(--text); border-radius: 2px; transition: .2s; content: ''; }
.burger span { top: 21px; }
.burger span::before { top: -6px; left: 0; }
.burger span::after { top: 6px; left: 0; }
.menu-open .burger span { background: transparent; }
.menu-open .burger span::before { top: 0; transform: rotate(45deg); }
.menu-open .burger span::after { top: 0; transform: rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
	position: relative; overflow: hidden; padding: 56px 0 72px;
	background:
		radial-gradient(900px 500px at 85% 10%, rgba(33, 160, 56, .16), transparent 60%),
		radial-gradient(700px 400px at 0% 100%, rgba(31, 111, 235, .08), transparent 60%),
		linear-gradient(180deg, #f2faf4 0%, #fff 100%);
}
.hero__grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: center; }
.hero__title { margin: 24px 0 20px; font-size: clamp(36px, 4.6vw, 58px); letter-spacing: -0.035em; }
.hero__lead { font-size: 19px; color: #3d434c; max-width: 560px; }
.hero__list { list-style: none; padding: 0; margin: 28px 0 36px; display: grid; gap: 12px; }
.hero__list li { display: flex; align-items: center; gap: 12px; font-weight: 600; }
.hero__list .icon { flex-shrink: 0; padding: 3px; width: 26px; height: 26px; border-radius: 50%; background: var(--green); color: #fff; stroke-width: 3; }
.hero__actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* ---------- Калькулятор ---------- */
.calc { padding: 32px; box-shadow: var(--shadow-lg); display: grid; gap: 20px; }
.calc__head { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.calc__title { font-size: 24px; }
.calc__row { display: grid; grid-template-columns: 1.5fr 1fr; gap: 12px; }
.calc__result { background: var(--bg-gray); border-radius: 16px; padding: 8px 20px; }
.calc__line { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 12px 0; font-size: 15px; color: var(--muted); }
.calc__line + .calc__line { border-top: 1px dashed #d5dae0; }
.calc__line b { font-size: 18px; color: var(--text); white-space: nowrap; }
.calc__line--cashback span { display: inline-flex; align-items: center; gap: 6px; }
.calc__line--cashback, .calc__line--cashback b { color: var(--green-600); }
.calc__line--total b { font-size: 26px; }
.calc__note { font-size: 13px; color: var(--muted); text-align: center; }

/* ---------- Поля ---------- */
.field { display: grid; gap: 8px; position: relative; }
.field__label { font-size: 14px; font-weight: 600; color: #4a5059; }
.field__label em { font-style: normal; font-weight: 500; color: #9aa1ab; }
.field__label b { color: var(--text); }
.input {
	width: 100%; height: 52px; padding: 0 16px; border: 1.5px solid var(--line); border-radius: var(--radius-sm);
	background: #fff; font-size: 16px; transition: border-color .2s, box-shadow .2s;
}
.input:hover { border-color: #c9d0d8; }
.input:focus { outline: 0; border-color: var(--green); box-shadow: 0 0 0 4px rgba(33, 160, 56, .12); }
select.input { appearance: none; padding-right: 40px; cursor: pointer; background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' fill='none' stroke='%236b7280' stroke-width='2' viewBox='0 0 24 24'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") no-repeat right 14px center; }
textarea.input { height: auto; padding: 14px 16px; resize: vertical; }
.input--big { height: 60px; font-size: 24px; font-weight: 800; letter-spacing: -0.01em; }
.has-error .input { border-color: var(--red); }
.field__error { font-size: 13px; color: var(--red); }

.range { --p: 50%; width: 100%; height: 22px; margin: 2px 0 0; appearance: none; background: transparent; cursor: pointer; }
.range::-webkit-slider-runnable-track { height: 6px; border-radius: 3px; background: linear-gradient(to right, var(--green) var(--p), #dfe3e8 var(--p)); }
.range::-moz-range-track { height: 6px; border-radius: 3px; background: linear-gradient(to right, var(--green) var(--p), #dfe3e8 var(--p)); }
.range::-webkit-slider-thumb { appearance: none; width: 22px; height: 22px; margin-top: -8px; border-radius: 50%; background: #fff; border: 5px solid var(--green); box-shadow: 0 2px 6px rgba(0, 0, 0, .2); }
.range::-moz-range-thumb { width: 12px; height: 12px; border-radius: 50%; background: #fff; border: 5px solid var(--green); box-shadow: 0 2px 6px rgba(0, 0, 0, .2); }
.range__legend { display: flex; justify-content: space-between; font-size: 12px; color: #9aa1ab; margin-top: -4px; }

/* ---------- Цифры ---------- */
.stats { background: var(--green-900); color: #fff; padding: 36px 0; }
.stats__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.stat { display: flex; align-items: center; gap: 16px; }
.stat + .stat { border-left: 1px solid rgba(255, 255, 255, .14); padding-left: 24px; }
.stat b { font-size: 36px; font-weight: 800; letter-spacing: -0.03em; white-space: nowrap; color: #6fe08a; }
.stat b small { font-size: 20px; }
.stat span { font-size: 14px; line-height: 1.35; color: rgba(255, 255, 255, .75); }

/* ---------- Секции ---------- */
.section { padding: 96px 0; }
.section--gray { background: var(--bg-gray); }
.section__head { max-width: 760px; margin-bottom: 48px; }
.section__head--center { text-align: center; margin-left: auto; margin-right: auto; }
.section__title { font-size: clamp(28px, 3.4vw, 42px); letter-spacing: -0.03em; }
.section__text { margin-top: 16px; font-size: 18px; color: var(--muted); }
.eyebrow { display: inline-block; margin-bottom: 14px; font-size: 14px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--green-600); }
.eyebrow--light { color: #8ee6a2; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.checklist { list-style: none; padding: 0; margin: 32px 0 0; display: grid; gap: 16px; }
.checklist li { display: flex; gap: 14px; font-size: 17px; }
.checklist .icon { flex-shrink: 0; color: var(--green); margin-top: 2px; }

/* Пример кэшбэка */
.example { padding: 32px; border: 1px solid var(--line); box-shadow: var(--shadow-lg); }
.example__head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 12px; font-weight: 800; font-size: 20px; }
.example__row { display: flex; justify-content: space-between; gap: 12px; padding: 16px 0; border-bottom: 1px solid var(--line); color: var(--muted); }
.example__row b { color: var(--text); font-size: 18px; white-space: nowrap; }
.example__row--green, .example__row--green b { color: var(--green-600); }
.example__bar { display: flex; gap: 4px; height: 12px; margin: 24px 0 20px; }
.example__bar span { border-radius: 6px; background: #d9dee4; }
.example__bar span + span { background: var(--green); }
.example__total { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.example__total span { font-weight: 600; }
.example__total b { font-size: 32px; letter-spacing: -0.03em; }

/* Сравнение */
.compare { overflow: hidden; }
.compare__row { display: grid; grid-template-columns: 1.1fr 1fr 1.1fr; align-items: center; }
.compare__row > span { display: flex; align-items: center; gap: 10px; padding: 18px 28px; }
.compare__row + .compare__row { border-top: 1px solid var(--line); }
.compare__row--head { font-weight: 800; font-size: 17px; }
.compare__row--head > span:nth-child(2) { color: var(--muted); }
.compare__label { font-weight: 700; }
.compare__bank { color: var(--muted); }
.compare__bank .icon { color: var(--red); flex-shrink: 0; }
.compare__us { background: var(--green-50); font-weight: 600; height: 100%; }
.compare__us .icon { color: var(--green); flex-shrink: 0; }
.compare__row--head .compare__us { background: var(--green); color: #fff; }
.compare__row--head .compare__us .icon { color: #fff; }

/* Виды */
.types { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.type { padding: 28px; border: 1px solid var(--line); box-shadow: none; display: flex; flex-direction: column; gap: 12px; transition: box-shadow .2s, transform .2s, border-color .2s; }
.type:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: transparent; }
.type__icon { display: grid; place-items: center; width: 56px; height: 56px; border-radius: 16px; background: var(--green-50); color: var(--green-600); margin-bottom: 8px; }
.type h3 { font-size: 20px; }
.type p { color: var(--muted); flex: 1; }

/* Шаги */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; counter-reset: s; }
.step { position: relative; padding: 28px 24px; background: #fff; border-radius: var(--radius); }
.step__num { display: grid; place-items: center; width: 48px; height: 48px; margin-bottom: 20px; border-radius: 50%; background: var(--green-50); color: var(--green-700); font-weight: 800; font-size: 20px; }
.step h3 { font-size: 18px; margin-bottom: 8px; }
.step p { font-size: 15px; color: var(--muted); }
.step--accent { background: var(--green); color: #fff; }
.step--accent .step__num { background: rgba(255, 255, 255, .2); color: #fff; }
.step--accent p { color: rgba(255, 255, 255, .85); }

/* Опоры */
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.pillar { padding: 36px 32px; border-radius: var(--radius); background: linear-gradient(180deg, var(--green-50), #fff 70%); border: 1px solid var(--green-100); }
.pillar__icon { display: grid; place-items: center; width: 60px; height: 60px; border-radius: 18px; background: var(--green); color: #fff; margin-bottom: 24px; box-shadow: 0 10px 20px -8px rgba(33, 160, 56, .6); }
.pillar h3 { font-size: 24px; margin-bottom: 10px; }
.pillar p { color: var(--muted); }

/* Банки */
.banks { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.bank { display: flex; align-items: center; gap: 12px; padding: 16px 18px; background: #fff; border-radius: 14px; font-weight: 700; font-size: 15px; }
.bank__mark { display: grid; place-items: center; flex-shrink: 0; width: 36px; height: 36px; border-radius: 10px; color: #fff; font-weight: 800; }
.bank__mark--0 { background: #21a038; }
.bank__mark--1 { background: #0a2896; }
.bank__mark--2 { background: #ef3124; }
.bank__mark--3 { background: #1f6feb; }
.bank__mark--4 { background: #f59e0b; }
.bank__mark--5 { background: #6d28d9; }
.bank--more { grid-column: 1 / -1; justify-content: center; color: var(--green-700); background: var(--green-50); border: 1.5px dashed var(--green-100); }

/* Доверие */
.trust {
	display: grid; grid-template-columns: 1.3fr 1fr; gap: 48px; align-items: center; padding: 56px; border-radius: 28px; color: #fff;
	background: radial-gradient(600px 300px at 100% 0%, rgba(111, 224, 138, .25), transparent 70%), linear-gradient(135deg, var(--green-700), var(--green-900));
}
.trust h2 { font-size: clamp(26px, 3vw, 38px); margin-bottom: 16px; }
.trust p { color: rgba(255, 255, 255, .8); font-size: 17px; margin-bottom: 28px; }
.trust__stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.trust__stats div { padding: 24px; border-radius: 18px; background: rgba(255, 255, 255, .08); border: 1px solid rgba(255, 255, 255, .12); }
.trust__stats b { display: block; font-size: 34px; letter-spacing: -0.03em; }
.trust__stats span { font-size: 14px; color: rgba(255, 255, 255, .7); }

/* FAQ */
.faq { display: grid; gap: 12px; }
.faq__item { background: #fff; border-radius: 16px; }
.faq__item summary { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 22px 28px; font-weight: 700; font-size: 18px; cursor: pointer; list-style: none; }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__toggle { position: relative; flex-shrink: 0; width: 32px; height: 32px; border-radius: 50%; background: var(--bg-gray); }
.faq__toggle::before, .faq__toggle::after { content: ''; position: absolute; top: 15px; left: 9px; width: 14px; height: 2px; background: var(--text); transition: transform .2s; }
.faq__toggle::after { transform: rotate(90deg); }
.faq__item[open] .faq__toggle { background: var(--green); }
.faq__item[open] .faq__toggle::before, .faq__item[open] .faq__toggle::after { background: #fff; }
.faq__item[open] .faq__toggle::after { transform: rotate(0); }
.faq__item p { padding: 0 28px 24px; color: #4a5059; font-size: 16px; }

/* CTA */
.cta { background: linear-gradient(180deg, #fff, var(--green-50)); }
.cta__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.cta__content h2 { font-size: clamp(28px, 3.4vw, 42px); letter-spacing: -0.03em; margin-bottom: 16px; }
.cta__content > p { font-size: 18px; color: var(--muted); }
.cta__contacts { list-style: none; padding: 0; margin: 32px 0 0; display: grid; gap: 14px; font-size: 17px; font-weight: 600; }
.cta__contacts li { display: flex; align-items: center; gap: 12px; }
.cta__contacts .icon { color: var(--green); }
.cta__contacts a { color: var(--text); }
.cta__form { padding: 36px; box-shadow: var(--shadow-lg); }
.cta__form h3 { font-size: 24px; margin-bottom: 24px; }

/* ---------- Форма заявки ---------- */
.lead-form { display: grid; gap: 16px; }
.lead-form__fields { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.lead-form__fields > .field:last-child:nth-child(odd),
.field--wide { grid-column: 1 / -1; }
.checkbox { display: flex; align-items: flex-start; gap: 10px; font-size: 13px; color: var(--muted); cursor: pointer; }
.checkbox input { width: 18px; height: 18px; margin: 1px 0 0; accent-color: var(--green); flex-shrink: 0; }
.checkbox .field__error { position: absolute; top: 100%; left: 28px; }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; opacity: 0; }
.form__message:empty { display: none; }
.form__message { color: var(--red); font-size: 14px; text-align: center; }
.form__success { display: none; text-align: center; padding: 24px 0 8px; }
.form__success-icon { display: grid; place-items: center; width: 64px; height: 64px; margin: 0 auto 16px; border-radius: 50%; background: var(--green); color: #fff; }
.form__success-icon .icon { stroke-width: 3; }
.form__success strong { display: block; font-size: 22px; margin-bottom: 8px; }
.form__success p { color: var(--muted); }
.lead-form.is-sent > :not(.form__success) { display: none; }
.lead-form.is-sent .form__success { display: block; }

/* ---------- Модалка ---------- */
.modal { position: fixed; inset: 0; z-index: 100; display: grid; place-items: center; padding: 16px; background: rgba(10, 20, 15, .55); backdrop-filter: blur(4px); animation: fade .2s; overflow-y: auto; }
.modal[hidden] { display: none; }
.modal__box { position: relative; width: 100%; max-width: 520px; padding: 40px; border-radius: 24px; background: #fff; box-shadow: var(--shadow-lg); animation: pop .25s; }
.modal__close { position: absolute; top: 16px; right: 16px; display: grid; place-items: center; width: 40px; height: 40px; border: 0; border-radius: 50%; background: var(--bg-gray); cursor: pointer; }
.modal__close:hover { background: var(--line); }
.modal__title { font-size: 26px; margin-bottom: 10px; padding-right: 40px; }
.modal__text { color: var(--muted); margin-bottom: 24px; }
@keyframes fade { from { opacity: 0; } }
@keyframes pop { from { opacity: 0; transform: translateY(12px) scale(.98); } }

/* ---------- Подвал ---------- */
.footer { background: #0e1512; color: rgba(255, 255, 255, .7); padding: 64px 0 32px; font-size: 15px; }
.footer__grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 48px; }
.footer__brand p { margin-top: 20px; max-width: 380px; }
.footer h4 { color: #fff; font-size: 16px; margin-bottom: 16px; }
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer a { color: rgba(255, 255, 255, .75); }
.footer a:hover { color: #fff; }
.footer__bottom { margin-top: 48px; padding-top: 24px; border-top: 1px solid rgba(255, 255, 255, .1); display: grid; gap: 8px; font-size: 13px; color: rgba(255, 255, 255, .45); }
.footer__bottom a { color: rgba(255, 255, 255, .6); }

/* ---------- Обычные страницы ---------- */
.page__title { font-size: clamp(28px, 4vw, 44px); margin-bottom: 32px; }
.prose { font-size: 17px; }
.prose p, .prose ul, .prose ol { margin: 0 0 1em; }
.prose h2 { font-size: 26px; margin: 1.6em 0 .6em; }

/* =========================================================
   Адаптив
   ========================================================= */
@media (max-width: 1180px) {
	.nav { gap: 20px; }
	.header__phone span { display: none; }
	.types { grid-template-columns: repeat(2, 1fr); }
	.steps { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 1024px) {
	.header__phone { display: none; }
	.burger { display: block; }
	.nav {
		position: absolute; top: 100%; left: 0; right: 0; height: calc(100vh - var(--header-h)); height: calc(100dvh - var(--header-h)); z-index: 40;
		flex-direction: column; gap: 0; padding: 16px 24px; background: #fff; overflow-y: auto;
		visibility: hidden; transform: translateX(100%); transition: transform .25s, visibility .25s;
	}
	.menu-open .nav { transform: none; visibility: visible; }
	.nav a { padding: 16px 0; font-size: 18px; border-bottom: 1px solid var(--line); }
	.nav__phone { display: block; color: var(--green-600) !important; font-weight: 800 !important; }
	.hero__grid, .split, .cta__grid, .trust { grid-template-columns: 1fr; gap: 40px; }
	.hero { padding: 40px 0 56px; }
	.stats__grid { grid-template-columns: repeat(2, 1fr); }
	.stat:nth-child(3) { border-left: 0; padding-left: 0; }
	.banks { grid-template-columns: repeat(3, 1fr); }
	.footer__grid { grid-template-columns: 1fr 1fr; }
	.footer__brand { grid-column: 1 / -1; }
	.trust { padding: 40px; }
}

@media (max-width: 720px) {
	:root { --header-h: 64px; }
	.container { padding: 0 16px; }
	.header__inner { gap: 12px; }
	.header__actions { gap: 8px; margin-left: auto; }
	.header__actions .btn { height: 44px; padding: 0 14px; font-size: 14px; }
	.logo__text small { display: none; }
	.logo__text { font-size: 18px; }
	.logo__mark { width: 36px; height: 36px; }
	.section { padding: 64px 0; }
	.section__head { margin-bottom: 32px; }
	.hero__lead { font-size: 17px; }
	.hero__actions .btn { width: 100%; }
	.calc, .example, .cta__form { padding: 24px 20px; }
	.calc__row, .lead-form__fields { grid-template-columns: 1fr; }
	.calc__line--total b { font-size: 22px; }
	.stats__grid { grid-template-columns: 1fr; gap: 20px; }
	.stat + .stat { border-left: 0; padding-left: 0; }
	.types, .pillars, .steps { grid-template-columns: 1fr; }
	.banks { grid-template-columns: 1fr 1fr; }
	.bank { padding: 12px; font-size: 14px; }
	.compare__row { grid-template-columns: 1fr 1fr; }
	.compare__row > span { padding: 14px 16px; font-size: 14px; }
	.compare__label { grid-column: 1 / -1; padding-bottom: 0 !important; }
	.compare__row--head > span:first-child { display: none; }
	.trust { padding: 32px 20px; border-radius: 20px; }
	.trust__stats div { padding: 18px; }
	.trust__stats b { font-size: 28px; }
	.faq__item summary { padding: 18px 20px; font-size: 16px; }
	.faq__item p { padding: 0 20px 20px; }
	.modal__box { padding: 32px 20px 24px; }
	.footer__grid { grid-template-columns: 1fr; gap: 32px; }
}

@media (max-width: 380px) {
	.header__actions .btn--primary { display: none; }
}

@media (prefers-reduced-motion: reduce) {
	*, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}