/* ============================================================
   SCHET115.RU — Component styles
   ============================================================ */

/* ---------- NAV ---------- */
.nav { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.86); backdrop-filter: blur(14px); border-bottom: 1px solid transparent; transition: border-color .2s, box-shadow .2s; }
.nav--scrolled { border-color: var(--border); box-shadow: 0 6px 24px -18px rgba(10,23,51,.4); }
.nav__bar { display: flex; align-items: center; gap: 20px; height: 72px; }
.logo { display: inline-flex; align-items: center; gap: 10px; }
.logo__txt { font-weight: 800; font-size: 1.16rem; letter-spacing: -.02em; color: var(--navy-900); }
.logo__txt b { color: var(--blue-600); font-weight: 800; }
.logo__txt i { font-style: normal; color: var(--slate-400); font-weight: 600; }
.nav__links { display: flex; align-items: center; gap: 4px; margin-left: 10px; }
.nav__item { position: relative; }
.nav__link { display: inline-flex; align-items: center; gap: 5px; padding: 9px 13px; border-radius: var(--r-sm); font-size: var(--fs-sm); font-weight: 600; color: var(--slate-700); white-space: nowrap; transition: color .15s, background .15s; }
.nav__link:hover, .nav__link.is-open { color: var(--navy-900); background: var(--slate-100); }
.nav__link--plain { color: var(--slate-700); }
.nav__caret { width: 14px; height: 14px; opacity: .5; transform: rotate(90deg); }
.nav__cta { margin-left: auto; display: flex; align-items: center; gap: 18px; }
.nav__phone { display: inline-flex; align-items: center; gap: 7px; font-size: var(--fs-sm); font-weight: 600; color: var(--navy-800); white-space: nowrap; }
.nav__phone svg { width: 16px; height: 16px; color: var(--blue-600); }
.nav__burger { display: none; color: var(--navy-900); padding: 6px; }
.nav__burger svg { width: 26px; height: 26px; }

.nav__panel { position: absolute; top: calc(100% + 10px); left: 50%; transform: translateX(-50%); animation: megaIn .18s var(--ease); }
@keyframes megaIn { from { opacity: 0; transform: translate(-50%, 6px); } to { opacity: 1; transform: translate(-50%, 0); } }
.mega { display: flex; gap: 8px; background: #fff; border: 1px solid var(--border); border-radius: var(--r-lg); box-shadow: var(--sh-lg); padding: 18px; width: 640px; }
.mega::before { content: ""; position: absolute; top: -16px; left: 0; right: 0; height: 16px; }
.mega__cols { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 22px; flex: 1; }
.mega__h { font-size: var(--fs-xs); font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--slate-400); margin-bottom: 8px; }
.mega__col ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 1px; }
.mega__col a { display: block; padding: 7px 10px; border-radius: var(--r-sm); font-size: var(--fs-sm); font-weight: 500; color: var(--slate-700); transition: background .12s, color .12s; }
.mega__col a:hover { background: var(--blue-50); color: var(--blue-700); }
.mega__promo { width: 210px; flex-shrink: 0; background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); border-radius: var(--r-md); padding: 18px; color: #fff; }
.mega__promo-ic { display: inline-flex; width: 36px; height: 36px; border-radius: 10px; background: rgba(255,255,255,.1); align-items: center; justify-content: center; margin-bottom: 12px; }
.mega__promo-ic svg { width: 18px; height: 18px; color: var(--blue-400); }
.mega__promo-h { font-weight: 700; color: #fff; font-size: 1rem; margin-bottom: 6px; }
.mega__promo p { font-size: var(--fs-sm); color: var(--slate-400); margin-bottom: 14px; line-height: 1.5; }
.mega__promo-cta { display: inline-flex; align-items: center; gap: 6px; font-size: var(--fs-sm); font-weight: 600; color: var(--blue-400); }
.mega__promo-cta svg { width: 15px; height: 15px; }

/* ---------- MOBILE MENU ---------- */
.mob { position: fixed; inset: 0; z-index: 200; background: #fff; display: flex; flex-direction: column; animation: mobIn .22s var(--ease); }
@keyframes mobIn { from { opacity: 0; transform: translateY(-2%); } to { opacity: 1; transform: none; } }
.mob__top { display: flex; align-items: center; justify-content: space-between; height: 72px; border-bottom: 1px solid var(--border); }
.mob__x { color: var(--navy-900); padding: 6px; }
.mob__x svg { width: 26px; height: 26px; }
.mob__body { flex: 1; overflow-y: auto; padding: 12px var(--gutter); }
.mob__group { border-bottom: 1px solid var(--border); }
.mob__head { display: flex; align-items: center; justify-content: space-between; width: 100%; padding: 16px 0; font-size: 1.1rem; font-weight: 700; color: var(--navy-900); }
.mob__head svg { width: 18px; height: 18px; color: var(--slate-400); }
.mob__sub { display: flex; flex-direction: column; padding-bottom: 12px; }
.mob__sub a { padding: 9px 0 9px 4px; font-size: var(--fs-sm); color: var(--slate-600); font-weight: 500; }
.mob__foot { padding: 18px var(--gutter); border-top: 1px solid var(--border); display: flex; flex-direction: column; gap: 14px; }
.mob__phone { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font-weight: 700; color: var(--navy-900); }
.mob__phone svg { width: 18px; height: 18px; color: var(--blue-600); }

/* ---------- HERO ---------- */
.hero { position: relative; overflow: hidden; padding-block: clamp(48px, 6vw, 90px) clamp(56px, 7vw, 104px); }
.hero__bg { position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(900px 500px at 80% -8%, var(--blue-50), transparent 60%),
    radial-gradient(700px 400px at -5% 110%, #f3f7ff, transparent 55%); }
.hero__grid { display: grid; grid-template-columns: 1.02fr .98fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
.hero__badge { margin-bottom: 22px; }
.hero__title { font-size: var(--fs-display); font-weight: 800; letter-spacing: -.035em; }
.hero__lead { font-size: var(--fs-lead); color: var(--slate-600); margin: 22px 0 30px; max-width: 540px; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 38px; }
.hero__trust { display: flex; align-items: center; gap: clamp(14px, 2vw, 26px); flex-wrap: wrap; }
.hero__divider { width: 1px; height: 38px; background: var(--border-strong); }
.hero__stat-n { font-size: 1.5rem; font-weight: 800; color: var(--navy-900); letter-spacing: -.02em; }
.hero__stat-l { font-size: var(--fs-xs); color: var(--slate-500); font-weight: 500; }

/* ---------- RISK DASHBOARD ---------- */
.hero__dash { position: relative; }
.dash { position: relative; background: #fff; border: 1px solid var(--border); border-radius: var(--r-xl); box-shadow: var(--sh-lg); padding: 26px; overflow: hidden;
  animation: dashFloat 7s ease-in-out infinite; }
@keyframes dashFloat { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }
.dash::after { content: ""; position: absolute; inset: 0; border-radius: var(--r-xl); pointer-events: none; box-shadow: inset 0 1px 0 rgba(255,255,255,.7); }
.dash__scan { position: absolute; left: 0; right: 0; top: 0; height: 40%; background: linear-gradient(180deg, rgba(37,99,235,.07), transparent); animation: scan 4.5s ease-in-out infinite; pointer-events: none; }
@keyframes scan { 0%,100% { transform: translateY(-20%); opacity: 0; } 50% { transform: translateY(180%); opacity: 1; } }
.dash__head { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; margin-bottom: 8px; }
.dash__head-l { display: flex; flex-direction: column; gap: 5px; min-width: 0; }
.dash__live { display: inline-flex; align-items: center; gap: 7px; font-size: var(--fs-xs); font-weight: 600; color: var(--slate-500); white-space: nowrap; }
.dash__live-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--safe-500); box-shadow: 0 0 0 0 rgba(16,185,129,.5); animation: pulse 1.8s infinite; }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(16,185,129,.5); } 70% { box-shadow: 0 0 0 7px rgba(16,185,129,0); } 100% { box-shadow: 0 0 0 0 rgba(16,185,129,0); } }
.dash__title { font-weight: 700; color: var(--navy-900); font-size: .95rem; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }

.gauge { position: relative; margin: 6px auto 2px; max-width: 320px; }
.gauge__svg { width: 100%; display: block; }
.gauge__read { display: flex; align-items: baseline; justify-content: center; gap: 8px; margin-top: -4px; }
.gauge__score { font-size: 2.6rem; font-weight: 800; color: var(--navy-900); line-height: 1; letter-spacing: -.03em; }
.gauge__label { font-size: var(--fs-xs); color: var(--slate-500); font-weight: 500; }

.dash__verdict { display: flex; align-items: center; gap: 11px; background: var(--warn-100); border: 1px solid #fde9bf; border-radius: var(--r-md); padding: 11px 14px; margin: 10px 0 16px; }
.dash__verdict svg { width: 20px; height: 20px; color: var(--warn-600); flex-shrink: 0; }
.dash__verdict b { display: block; color: var(--navy-900); font-size: var(--fs-sm); }
.dash__verdict span { font-size: var(--fs-xs); color: var(--slate-600); }

.dash__factors { display: flex; flex-direction: column; gap: 13px; }
.factor__top { display: flex; justify-content: space-between; gap: 12px; font-size: var(--fs-xs); color: var(--slate-600); margin-bottom: 6px; font-weight: 500; }
.factor__top span { flex: 1; min-width: 0; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.factor__top b { flex-shrink: 0; }
.factor__v--risk { color: var(--risk-600); } .factor__v--warn { color: var(--warn-600); } .factor__v--safe { color: var(--safe-600); }
.factor__track { height: 6px; border-radius: 4px; background: var(--slate-100); overflow: hidden; }
.factor__fill { height: 100%; border-radius: 4px; transition: width 1s var(--ease); }
.factor__fill--risk { background: var(--risk-500); } .factor__fill--warn { background: var(--warn-500); } .factor__fill--safe { background: var(--safe-500); }

.dash__foot { display: flex; align-items: center; gap: 18px; margin-top: 18px; padding-top: 16px; border-top: 1px solid var(--border); }
.dash__stat-v { font-size: 1.25rem; font-weight: 800; color: var(--navy-900); line-height: 1; }
.dash__stat-l { font-size: var(--fs-xs); color: var(--slate-500); }
.dash__cta { margin-left: auto; display: inline-flex; align-items: center; gap: 6px; font-size: var(--fs-sm); font-weight: 600; color: var(--blue-600); }
.dash__cta svg { width: 15px; height: 15px; }

/* ---------- INN CHECK ---------- */
.inn__grid { display: grid; grid-template-columns: 1fr 1.05fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
.inn__intro h2 { font-size: var(--fs-h2); margin: 16px 0 16px; }
.inn__intro > p { font-size: var(--fs-lead); color: var(--slate-500); margin-bottom: 26px; }
.inn__features { list-style: none; margin: 0 0 22px; padding: 0; display: flex; flex-direction: column; gap: 13px; }
.inn__features li { display: flex; align-items: center; gap: 12px; font-weight: 500; color: var(--slate-700); font-size: var(--fs-sm); }
.inn__fic { display: inline-flex; width: 34px; height: 34px; border-radius: 9px; background: var(--blue-50); color: var(--blue-600); align-items: center; justify-content: center; flex-shrink: 0; }
.inn__fic svg { width: 18px; height: 18px; }
.inn__hint { font-size: var(--fs-sm); color: var(--slate-500); }
.inn__demo { font-weight: 700; color: var(--blue-600); font-variant-numeric: tabular-nums; }
.inn__demo:hover { text-decoration: underline; }

.inn__panel { padding: 26px; }
.inn__field label { display: block; font-size: var(--fs-sm); font-weight: 600; color: var(--navy-800); margin-bottom: 9px; }
.inn__inputwrap { position: relative; display: flex; gap: 8px; }
.inn__searchic { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); width: 18px; height: 18px; color: var(--slate-400); pointer-events: none; }
.inn__input { flex: 1; height: 52px; border: 1.5px solid var(--border-strong); border-radius: var(--r-md); padding: 0 14px 0 42px; font-size: 1.05rem; font-weight: 600; color: var(--navy-900); transition: border-color .15s, box-shadow .15s; outline: none; }
.inn__input:focus { border-color: var(--blue-500); box-shadow: 0 0 0 4px var(--blue-50); }
.inn__input::placeholder { color: var(--slate-400); font-weight: 500; }
.inn__go { height: 52px; flex-shrink: 0; }
.inn__go:disabled { opacity: .45; cursor: not-allowed; box-shadow: none; }

.inn__empty { text-align: center; padding: 38px 20px 20px; }
.inn__empty-ic { display: inline-flex; width: 56px; height: 56px; border-radius: 16px; background: var(--slate-100); color: var(--slate-400); align-items: center; justify-content: center; margin-bottom: 14px; }
.inn__empty-ic svg { width: 26px; height: 26px; }
.inn__empty p { color: var(--slate-500); font-size: var(--fs-sm); max-width: 280px; margin: 0 auto; }

.inn__loading { padding: 26px 6px 8px; display: flex; flex-direction: column; gap: 16px; }
.inn__step { display: flex; align-items: center; gap: 12px; font-size: var(--fs-sm); font-weight: 500; color: var(--slate-600); opacity: 0; animation: stepIn .4s var(--ease) forwards; }
@keyframes stepIn { to { opacity: 1; } }
.inn__spin { width: 17px; height: 17px; border: 2px solid var(--blue-100); border-top-color: var(--blue-600); border-radius: 50%; animation: spin .7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

.inn__result { padding-top: 22px; animation: stepIn .4s var(--ease); }
.inn__rhead { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; margin-bottom: 16px; }
.inn__rname { font-weight: 700; color: var(--navy-900); font-size: 1.08rem; }
.inn__rreg { font-size: var(--fs-xs); color: var(--slate-500); margin-top: 2px; }
.inn__rband { font-size: var(--fs-xs); font-weight: 700; padding: 6px 12px; border-radius: var(--r-pill); white-space: nowrap; }
.inn__rband--safe { background: var(--safe-100); color: var(--safe-600); } .inn__rband--warn { background: var(--warn-100); color: var(--warn-600); } .inn__rband--risk { background: var(--risk-100); color: var(--risk-600); }
.inn__rbar { display: flex; align-items: center; gap: 14px; margin-bottom: 14px; }
.inn__rbar-track { flex: 1; height: 10px; border-radius: 6px; background: var(--slate-100); overflow: hidden; }
.inn__rbar-fill { height: 100%; border-radius: 6px; transition: width 1s var(--ease); }
.inn__rbar-fill--safe { background: linear-gradient(90deg, var(--safe-500), var(--safe-600)); } .inn__rbar-fill--warn { background: linear-gradient(90deg, var(--warn-500), var(--warn-600)); } .inn__rbar-fill--risk { background: linear-gradient(90deg, var(--risk-500), var(--risk-600)); }
.inn__rbar-val { font-size: 1.5rem; font-weight: 800; color: var(--navy-900); } .inn__rbar-val small { font-size: .9rem; color: var(--slate-400); font-weight: 600; }
.inn__rlead { font-size: var(--fs-sm); color: var(--slate-600); margin-bottom: 14px; }
.inn__flags { display: flex; flex-wrap: wrap; gap: 7px; margin-bottom: 20px; }
.inn__flag { font-size: var(--fs-xs); font-weight: 600; padding: 5px 11px; border-radius: var(--r-pill); white-space: nowrap; }
.inn__flag--safe { background: var(--safe-100); color: var(--safe-600); } .inn__flag--warn { background: var(--warn-100); color: var(--warn-600); } .inn__flag--risk { background: var(--risk-100); color: var(--risk-600); }

/* ---------- PROBLEMS ---------- */
.prob__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.prob__card { padding: 24px; display: flex; flex-direction: column; }
.prob__ic { display: inline-flex; width: 46px; height: 46px; border-radius: 13px; align-items: center; justify-content: center; margin-bottom: 16px; }
.prob__ic svg { width: 23px; height: 23px; }
.prob__ic--risk { background: var(--risk-100); color: var(--risk-600); } .prob__ic--warn { background: var(--warn-100); color: var(--warn-600); } .prob__ic--safe { background: var(--safe-100); color: var(--safe-600); }
.prob__h { font-size: 1.18rem; margin-bottom: 8px; }
.prob__p { font-size: var(--fs-sm); color: var(--slate-500); flex: 1; margin-bottom: 18px; }
.prob__foot { display: flex; align-items: center; justify-content: space-between; }
.prob__n { font-size: var(--fs-xs); font-weight: 600; color: var(--slate-400); }
.prob__arrow { display: inline-flex; width: 34px; height: 34px; border-radius: 50%; background: var(--slate-100); color: var(--navy-800); align-items: center; justify-content: center; transition: background .2s, color .2s, transform .2s; }
.prob__arrow svg { width: 16px; height: 16px; }
.prob__card:hover .prob__arrow { background: var(--blue-600); color: #fff; transform: translateX(3px); }

/* ---------- BANKS ---------- */
.banks__head { display: flex; align-items: flex-end; justify-content: space-between; gap: 20px; margin-bottom: clamp(28px, 4vw, 44px); flex-wrap: wrap; }
.banks__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.bank__card { padding: 20px; display: flex; flex-direction: column; gap: 14px; }
.bank__top { display: flex; align-items: center; justify-content: space-between; }
.bank__logo { width: 42px; height: 42px; border-radius: 11px; display: inline-flex; align-items: center; justify-content: center; font-weight: 800; font-size: 1.15rem; }
.bank__risk { font-size: 11px; padding: 4px 9px; }
.bank__name { font-weight: 700; color: var(--navy-900); font-size: 1.08rem; }
.bank__meta { display: flex; align-items: center; justify-content: space-between; font-size: var(--fs-xs); color: var(--slate-500); }
.bank__meta b { color: var(--navy-900); }
.bank__go { display: inline-flex; align-items: center; gap: 3px; font-weight: 600; color: var(--blue-600); }

/* ---------- CASES ---------- */
.cases__head { display: flex; align-items: flex-end; justify-content: space-between; gap: 20px; margin-bottom: clamp(30px, 4vw, 48px); flex-wrap: wrap; }
.cases__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.case__card { display: flex; flex-direction: column; background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.1); border-radius: var(--r-lg); padding: 24px; transition: background .2s, border-color .2s, transform .2s; }
.case__card:hover { background: rgba(255,255,255,.07); border-color: rgba(96,165,250,.4); transform: translateY(-3px); }
.case__top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 16px; }
.case__tag { font-size: var(--fs-xs); font-weight: 600; color: var(--blue-400); }
.case__bank { font-size: var(--fs-xs); font-weight: 600; color: var(--slate-400); padding: 4px 10px; border: 1px solid rgba(255,255,255,.14); border-radius: var(--r-pill); }
.case__title { color: #fff; font-size: 1.12rem; margin-bottom: 10px; }
.case__text { font-size: var(--fs-sm); color: var(--slate-400); flex: 1; margin-bottom: 20px; line-height: 1.55; }
.case__metrics { display: flex; align-items: center; gap: 22px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.1); }
.case__metric-v { font-size: 1.22rem; font-weight: 800; color: var(--safe-500); letter-spacing: -.02em; }
.case__metric-l { font-size: 11px; color: var(--slate-500); }
.case__arrow { margin-left: auto; display: inline-flex; width: 38px; height: 38px; border-radius: 50%; background: rgba(255,255,255,.08); color: #fff; align-items: center; justify-content: center; transition: background .2s, transform .2s; }
.case__arrow svg { width: 17px; height: 17px; }
.case__card:hover .case__arrow { background: var(--blue-600); transform: translateX(3px); }

/* ---------- KNOWLEDGE ---------- */
.kn__grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 18px; }
.kn__feat { position: relative; overflow: hidden; display: flex; align-items: flex-end; min-height: 340px; background: linear-gradient(150deg, var(--navy-800), var(--navy-900)); border: none; }
.kn__feat-bg { position: absolute; right: -30px; top: -20px; color: rgba(255,255,255,.05); }
.kn__feat-bg svg { width: 260px; height: 260px; }
.kn__feat-body { position: relative; padding: 30px; }
.kn__feat-h { color: #fff; font-size: 1.7rem; margin: 16px 0 14px; max-width: 90%; }
.kn__meta { display: flex; align-items: center; gap: 7px; font-size: var(--fs-xs); color: var(--slate-400); font-weight: 500; }
.kn__list { display: flex; flex-direction: column; gap: 12px; }
.kn__item { display: flex; align-items: center; gap: 16px; padding: 18px 20px; }
.kn__cat { flex-shrink: 0; }
.kn__item-body { flex: 1; }
.kn__item-h { font-size: 1.02rem; color: var(--navy-900); margin-bottom: 6px; line-height: 1.3; }
.kn__item-arrow { width: 18px; height: 18px; color: var(--slate-400); flex-shrink: 0; transition: color .2s, transform .2s; }
.kn__item:hover .kn__item-arrow { color: var(--blue-600); transform: translateX(3px); }

/* ---------- CALCULATOR ---------- */
.calc__grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(32px, 5vw, 64px); align-items: start; }
.calc__intro h2 { font-size: var(--fs-h2); margin: 16px 0 14px; }
.calc__intro > p { font-size: var(--fs-lead); color: var(--slate-500); margin-bottom: 30px; }
.calc__qs { display: flex; flex-direction: column; gap: 22px; }
.calc__q-label { font-size: var(--fs-sm); font-weight: 700; color: var(--navy-800); margin-bottom: 10px; }
.calc__opts { display: flex; flex-wrap: wrap; gap: 9px; }
.calc__opt { padding: 9px 15px; border-radius: var(--r-pill); border: 1.5px solid var(--border-strong); background: #fff; font-size: var(--fs-sm); font-weight: 600; color: var(--slate-600); transition: all .15s; }
.calc__opt:hover { border-color: var(--blue-400); color: var(--blue-700); }
.calc__opt.is-active { background: var(--navy-900); border-color: var(--navy-900); color: #fff; }

.calc__result { padding: 30px; position: sticky; top: 92px; text-align: center; }
.calc__ring { position: relative; width: 200px; margin: 0 auto 8px; }
.calc__ring svg { width: 100%; display: block; }
.calc__arc { transition: stroke-dashoffset .8s var(--ease), stroke .3s; }
.calc__arc--safe { stroke: var(--safe-500); } .calc__arc--warn { stroke: var(--warn-500); } .calc__arc--risk { stroke: var(--risk-500); }
.calc__ring-read { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; }
.calc__pct { font-size: 3.2rem; font-weight: 800; line-height: 1; letter-spacing: -.04em; } .calc__pct small { font-size: 1.4rem; }
.calc__pct--safe { color: var(--safe-600); } .calc__pct--warn { color: var(--warn-600); } .calc__pct--risk { color: var(--risk-600); }
.calc__pct-l { font-size: var(--fs-xs); color: var(--slate-500); }
.calc__verdict { border-radius: var(--r-md); padding: 16px; margin: 18px 0; text-align: left; }
.calc__verdict b { display: block; font-size: 1.05rem; color: var(--navy-900); margin-bottom: 4px; }
.calc__verdict p { font-size: var(--fs-sm); color: var(--slate-600); }
.calc__verdict--safe { background: var(--safe-100); } .calc__verdict--warn { background: var(--warn-100); } .calc__verdict--risk { background: var(--risk-100); }
.calc__disclaimer { font-size: 11px; color: var(--slate-400); margin-top: 12px; }

/* ---------- PROCESS ---------- */
.proc__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.proc__step { position: relative; }
.proc__n { font-size: 2.2rem; font-weight: 800; color: var(--blue-600); letter-spacing: -.04em; margin-bottom: 14px; opacity: .9; }
.proc__h { font-size: 1.14rem; margin-bottom: 8px; }
.proc__p { font-size: var(--fs-sm); color: var(--slate-500); }
.proc__line { position: absolute; top: 18px; left: calc(100% - 12px); width: calc(100% - 24px); height: 1.5px; background: repeating-linear-gradient(90deg, var(--border-strong) 0 6px, transparent 6px 12px); }

/* ---------- TEAM ---------- */
.team__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.team__card { padding: 26px 22px; text-align: center; }
.team__ava { display: inline-flex; width: 64px; height: 64px; border-radius: 50%; align-items: center; justify-content: center; color: #fff; font-weight: 800; font-size: 1.2rem; margin-bottom: 16px; }
.team__name { font-weight: 700; color: var(--navy-900); font-size: 1.08rem; }
.team__role { font-size: var(--fs-sm); color: var(--slate-500); margin: 4px 0 12px; }
.team__exp { display: inline-flex; align-items: center; gap: 7px; font-size: var(--fs-xs); font-weight: 600; color: var(--slate-600); }

/* ---------- FAQ ---------- */
.faq__grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(32px, 5vw, 72px); align-items: start; }
.faq__intro h2 { font-size: var(--fs-h2); margin: 16px 0 14px; }
.faq__intro p { font-size: var(--fs-lead); color: var(--slate-500); margin-bottom: 22px; }
.faq__list { display: flex; flex-direction: column; gap: 0; }
.faq__item { border-bottom: 1px solid var(--border); }
.faq__item:first-child { border-top: 1px solid var(--border); }
.faq__q { display: flex; align-items: center; justify-content: space-between; gap: 16px; width: 100%; text-align: left; padding: 22px 4px; font-size: 1.08rem; font-weight: 700; color: var(--navy-900); }
.faq__plus { flex-shrink: 0; display: inline-flex; width: 30px; height: 30px; border-radius: 50%; background: var(--slate-100); color: var(--navy-800); align-items: center; justify-content: center; transition: transform .25s, background .2s, color .2s; }
.faq__plus svg { width: 16px; height: 16px; transform: rotate(90deg); }
.faq__item.is-open .faq__plus { background: var(--blue-600); color: #fff; transform: rotate(-90deg); }
.faq__a-wrap { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .3s var(--ease); }
.faq__item.is-open .faq__a-wrap { grid-template-rows: 1fr; }
.faq__a { overflow: hidden; font-size: var(--fs-sm); color: var(--slate-600); line-height: 1.65; padding-right: 40px; }
.faq__item.is-open .faq__a { padding-bottom: 22px; }

/* ---------- CONSULT ---------- */
.consult { padding-block: clamp(40px, 5vw, 80px); }
.consult__card { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(32px, 5vw, 64px); background: linear-gradient(155deg, var(--navy-800), var(--navy-950)); border-radius: var(--r-xl); padding: clamp(32px, 5vw, 60px); position: relative; overflow: hidden; }
.consult__card::before { content: ""; position: absolute; right: -10%; top: -40%; width: 460px; height: 460px; border-radius: 50%; background: radial-gradient(circle, rgba(37,99,235,.35), transparent 70%); }
.consult__copy { position: relative; }
.consult__h { color: #fff; font-size: var(--fs-h2); margin: 16px 0 16px; }
.consult__p { color: var(--slate-400); font-size: var(--fs-lead); margin-bottom: 26px; max-width: 420px; }
.consult__list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.consult__list li { display: flex; align-items: center; gap: 11px; color: var(--slate-300); font-weight: 500; font-size: var(--fs-sm); }
.consult__list svg { width: 18px; height: 18px; color: var(--safe-500); flex-shrink: 0; }
.consult__form { position: relative; background: #fff; border-radius: var(--r-lg); padding: 28px; display: flex; flex-direction: column; gap: 16px; box-shadow: var(--sh-lg); }
.consult__field label { display: block; font-size: var(--fs-sm); font-weight: 600; color: var(--navy-800); margin-bottom: 7px; }
.consult__field input, .consult__field select { width: 100%; height: 48px; border: 1.5px solid var(--border-strong); border-radius: var(--r-md); padding: 0 14px; font-size: var(--fs-body); font-family: inherit; color: var(--navy-900); outline: none; transition: border-color .15s, box-shadow .15s; background: #fff; }
.consult__field input:focus, .consult__field select:focus { border-color: var(--blue-500); box-shadow: 0 0 0 4px var(--blue-50); }
.consult__note { font-size: 11px; color: var(--slate-400); text-align: center; }
.consult__sent { text-align: center; padding: 30px 10px; }
.consult__sent-ic { display: inline-flex; width: 60px; height: 60px; border-radius: 50%; background: var(--safe-100); color: var(--safe-600); align-items: center; justify-content: center; margin-bottom: 16px; }
.consult__sent-ic svg { width: 30px; height: 30px; }
.consult__sent h3 { font-size: 1.4rem; margin-bottom: 8px; }
.consult__sent p { color: var(--slate-500); font-size: var(--fs-sm); }

/* ---------- FOOTER ---------- */
.foot { background: var(--navy-950); color: var(--slate-400); padding-block: clamp(48px, 6vw, 72px) 30px; }
.foot__top { display: grid; grid-template-columns: 1fr 2fr; gap: clamp(32px, 5vw, 64px); padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.08); }
.foot__tag { font-size: var(--fs-sm); color: var(--slate-400); margin: 16px 0 22px; max-width: 300px; line-height: 1.6; }
.foot__cols { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.foot__h { font-size: var(--fs-xs); font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--slate-500); margin-bottom: 14px; }
.foot__col ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 9px; }
.foot__col a { font-size: var(--fs-sm); color: var(--slate-400); transition: color .15s; }
.foot__col a:hover { color: #fff; }
.foot__bottom { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-top: 26px; font-size: var(--fs-xs); flex-wrap: wrap; }
.foot__legal { display: flex; gap: 22px; flex-wrap: wrap; }
.foot__legal a:hover { color: #fff; }
.foot__disc { font-size: 11px; color: var(--slate-600); margin-top: 18px; max-width: 720px; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1080px) {
  .nav__links { display: none; }
  .nav__burger { display: inline-flex; }
  .nav__phone { display: none; }
  .banks__grid { grid-template-columns: repeat(2, 1fr); }
  .prob__grid, .cases__grid, .proc__grid { grid-template-columns: repeat(2, 1fr); }
  .team__grid { grid-template-columns: repeat(2, 1fr); }
  .proc__line { display: none; }
}
@media (max-width: 920px) {
  .hero__grid, .inn__grid, .calc__grid, .faq__grid, .consult__card, .kn__grid, .foot__top { grid-template-columns: 1fr; }
  .hero__dash { max-width: 460px; margin-inline: auto; width: 100%; }
  .calc__result { position: static; }
  .consult__copy { order: -1; }
  .foot__top { gap: 36px; }
}
@media (max-width: 600px) {
  .nav__cta-btn { display: none; }
  .prob__grid, .cases__grid, .proc__grid, .team__grid, .banks__grid { grid-template-columns: 1fr; }
  .hero__trust { gap: 14px; }
  .hero__divider { display: none; }
  .inn__inputwrap { flex-direction: column; }
  .inn__go { width: 100%; }
  .foot__cols { grid-template-columns: repeat(2, 1fr); }
  .foot__bottom { flex-direction: column; align-items: flex-start; }
  .case__metrics { gap: 16px; }
}