/* ────────────────────────────────────────────────────────────────────
   FinCredit — «банковский модернизм»
   Холодный светлый фон · кобальт · жёсткая геометрия без скруглений
   Alumni Sans (узкая акциденция) · Golos Text (текст) · JetBrains Mono
   ──────────────────────────────────────────────────────────────────── */

@font-face {
  font-family: 'Alumni Sans';
  src: url('/fonts/alumni-600.woff2') format('woff2');
  font-weight: 600; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'Alumni Sans';
  src: url('/fonts/alumni-700.woff2') format('woff2');
  font-weight: 700; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'Golos Text';
  src: url('/fonts/golos-400.woff2') format('woff2');
  font-weight: 400; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'Golos Text';
  src: url('/fonts/golos-500.woff2') format('woff2');
  font-weight: 500; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'JB Mono';
  src: url('/fonts/jbmono-400.woff2') format('woff2');
  font-weight: 400; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'JB Mono';
  src: url('/fonts/jbmono-500.woff2') format('woff2');
  font-weight: 500; font-style: normal; font-display: swap;
}

:root {
  --bg: #F4F6FA;
  --bg-2: #E9EEF8;
  --surface: #FFFFFF;
  --inc: #0C1526;            /* чернильно-синий */
  --inc-2: #16233B;
  --soft: #33415C;
  --muted: #64748B;
  --muted-2: #98A4B8;
  --line: #D9E0EC;
  --line-strong: #B9C4D6;
  --accent: #1D45D8;         /* кобальт */
  --accent-deep: #12308F;
  --accent-soft: #E4EAFB;
  --on-inc: #EDF1F9;
  --muted-on-inc: #8D99B0;
  --line-on-inc: rgb(237 241 249 / 0.14);

  --font-display: 'Alumni Sans', 'Golos Text', 'Arial Narrow', sans-serif;
  --font-body: 'Golos Text', system-ui, -apple-system, sans-serif;
  --font-mono: 'JB Mono', ui-monospace, 'SF Mono', monospace;

  --shell: 1264px;
  --gutter: clamp(20px, 4vw, 48px);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 92px; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--inc);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
h1, h2, h3, p, dl, dd, dt, ul, ol, figure { margin: 0; padding: 0; }
ul, ol { list-style: none; }
a { color: inherit; text-decoration: none; }
img, svg { display: block; max-width: 100%; }
button { font: inherit; color: inherit; background: none; border: 0; padding: 0; cursor: pointer; }
::selection { background: var(--accent); color: #fff; }

.shell { max-width: var(--shell); margin: 0 auto; padding-inline: var(--gutter); }

.mono { font-family: var(--font-mono); }
.acc { color: var(--accent); }
.label {
  font-size: 11px; font-weight: 500;
  text-transform: uppercase; letter-spacing: 0.12em;
  color: var(--muted);
}
.label--oninc { color: var(--muted-on-inc); }
.sq {
  display: inline-block; width: 7px; height: 7px;
  background: var(--accent); margin-right: 9px;
  transform: translateY(-1px);
}

/* ── Кнопки: прямые углы, моно-набор ── */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 13px 24px;
  border: 1.5px solid var(--inc);
  font-family: var(--font-mono);
  font-size: 13px; font-weight: 500;
  text-transform: uppercase; letter-spacing: 0.08em;
  line-height: 1.2;
  white-space: nowrap;
  transition: background 160ms ease, color 160ms ease, border-color 160ms ease;
}
.btn--lg { padding: 17px 30px; }
.btn--primary { background: var(--inc); border-color: var(--inc); color: var(--on-inc); }
.btn--primary:hover { background: var(--accent); border-color: var(--accent); color: #fff; }
.btn--accent { background: var(--accent); border-color: var(--accent); color: #fff; }
.btn--accent:hover { background: var(--accent-deep); border-color: var(--accent-deep); }
.btn--ghost { background: transparent; color: var(--inc); }
.btn--ghost:hover { background: var(--inc); color: var(--on-inc); }
.btn:active { transform: translateY(1px); }
.btn:focus-visible, a:focus-visible, button:focus-visible {
  outline: 2px solid var(--accent); outline-offset: 2px;
}

/* ── Навигация ── */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgb(244 246 250 / 0.92);
  backdrop-filter: blur(12px) saturate(150%);
  -webkit-backdrop-filter: blur(12px) saturate(150%);
  border-bottom: 1px solid transparent;
  transition: border-color 200ms ease;
}
.nav.is-scrolled { border-bottom-color: var(--line); }
.nav__row { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 24px; }
.brand { display: flex; align-items: center; gap: 11px; color: var(--inc); }
.brand__mark {
  display: flex; align-items: center; justify-content: center;
  width: 34px; height: 34px; flex: 0 0 auto;
  background: var(--accent); color: #fff;
  font-family: var(--font-display); font-weight: 700; font-size: 24px;
  line-height: 1; padding-bottom: 2px;
}
.brand__word {
  font-family: var(--font-display); font-weight: 700; font-size: 26px;
  letter-spacing: 0.01em; white-space: nowrap; line-height: 1;
}
.brand__tld { color: var(--accent); }
.brand--oninc { color: var(--on-inc); }
.nav__links { display: flex; gap: 28px; }
.nav__links a {
  font-family: var(--font-mono); font-size: 12px; font-weight: 500;
  text-transform: uppercase; letter-spacing: 0.08em;
  color: var(--muted);
  padding: 4px 0;
  border-bottom: 2px solid transparent;
  transition: color 160ms ease, border-color 160ms ease;
}
.nav__links a:hover { color: var(--inc); border-bottom-color: var(--accent); }

/* ── Hero ── */
.hero { padding: clamp(36px, 5vw, 72px) 0 0; overflow: hidden; }
.hero__meta {
  display: flex; align-items: center; gap: clamp(18px, 3vw, 40px); flex-wrap: wrap;
  font-size: 11px; font-weight: 500;
  text-transform: uppercase; letter-spacing: 0.12em;
  color: var(--muted);
  padding-bottom: 18px;
  border-bottom: 2px solid var(--inc);
}
.hero__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.55fr) minmax(230px, 0.45fr);
  gap: clamp(28px, 4vw, 64px);
  padding-top: clamp(28px, 4vw, 52px);
}
.hero__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: clamp(58px, 9.6vw, 148px);
  line-height: 0.9;
  letter-spacing: 0.005em;
  text-transform: uppercase;
}
.hero__title span { display: block; }
.hero__lead {
  margin-top: clamp(20px, 2.6vw, 32px);
  font-size: clamp(17px, 1.5vw, 20px);
  line-height: 1.55;
  color: var(--soft);
  max-width: 46ch;
}
.hero__actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: clamp(24px, 3vw, 36px); }
.hero__stats {
  display: flex; flex-direction: column;
  border-left: 2px solid var(--inc);
  align-self: start;
}
.hero__stats > div {
  padding: clamp(16px, 1.8vw, 24px) clamp(16px, 2vw, 28px);
  border-bottom: 1px solid var(--line);
}
.hero__stats > div:last-child { border-bottom: 0; }
.hero__stats dt {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(30px, 3vw, 44px);
  line-height: 0.95;
  white-space: nowrap;
}
.hero__stats dd { margin-top: 4px; font-size: 13px; color: var(--muted); }

/* ── Партнёры: биржевой список ── */
.partners { padding: clamp(48px, 6vw, 84px) 0 0; }
.partners__head {
  display: flex; justify-content: space-between; align-items: baseline;
  gap: 24px; flex-wrap: wrap; margin-bottom: clamp(18px, 2.4vw, 28px);
}
.partners__head p { font-size: 14px; color: var(--muted); max-width: 46ch; }
.partners__list {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 0 clamp(24px, 3vw, 48px);
  border-top: 2px solid var(--inc);
  counter-reset: bank;
}
.partners__list li {
  counter-increment: bank;
  display: flex; align-items: baseline; gap: 14px;
  font-family: var(--font-display); font-weight: 600;
  font-size: clamp(22px, 2.2vw, 30px);
  text-transform: uppercase;
  letter-spacing: 0.01em;
  color: var(--soft);
  padding: clamp(10px, 1.4vw, 16px) 0;
  border-bottom: 1px solid var(--line);
  transition: color 180ms ease;
}
.partners__list li::before {
  content: counter(bank, decimal-leading-zero);
  font-family: var(--font-mono); font-weight: 400;
  font-size: 11px; color: var(--accent);
  letter-spacing: 0.08em;
}
.partners__list li:hover { color: var(--accent); }

/* ── Секции ── */
.section { padding: clamp(64px, 8vw, 120px) 0 0; }
.section__head {
  display: grid;
  grid-template-columns: minmax(90px, 0.6fr) minmax(0, 3.4fr);
  gap: clamp(16px, 2.6vw, 48px);
  align-items: start;
  border-top: 2px solid var(--inc);
  padding-top: clamp(14px, 2vw, 22px);
  margin-bottom: clamp(28px, 4vw, 52px);
}
.section__index {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(52px, 6.5vw, 104px);
  line-height: 0.8;
  color: var(--accent-soft);
  -webkit-text-stroke: 1.5px var(--accent);
  letter-spacing: 0.02em;
}
.section__titles {
  display: flex; align-items: flex-end; justify-content: space-between;
  gap: clamp(20px, 3vw, 56px); flex-wrap: wrap;
}
.section__titles h2 {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(40px, 5.4vw, 76px);
  line-height: 0.92;
  text-transform: uppercase;
  letter-spacing: 0.005em;
  max-width: 16ch;
}
.section__titles p { font-size: 16px; color: var(--muted); max-width: 40ch; line-height: 1.6; }

/* ── Калькулятор ── */
.calc {
  display: grid; grid-template-columns: 1.12fr 0.88fr;
  gap: clamp(20px, 2.6vw, 36px);
  align-items: stretch;
}
.calc__controls {
  background: var(--surface);
  border: 1px solid var(--line);
  border-left: 3px solid var(--accent);
  padding: clamp(24px, 3vw, 42px);
  display: flex; flex-direction: column; gap: clamp(26px, 3vw, 38px);
}
.field { display: flex; flex-direction: column; gap: 10px; }
.field__row { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; }
.field__value {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(26px, 2.6vw, 36px);
  line-height: 1;
  white-space: nowrap;
}
.field__value--sm { font-size: clamp(24px, 2.2vw, 30px); }
.field__scale { display: flex; justify-content: space-between; font-size: 10.5px; color: var(--muted-2); }

.rng {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 26px;
  background: transparent; margin: 0; padding: 0; border: 0;
  cursor: pointer;
  --fill: 30%;
}
.rng::-webkit-slider-runnable-track {
  height: 4px;
  background: linear-gradient(to right, var(--accent) var(--fill), var(--line) var(--fill));
}
.rng::-moz-range-track { height: 4px; background: var(--line); }
.rng::-moz-range-progress { height: 4px; background: var(--accent); }
.rng::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 18px; height: 18px; border-radius: 0;
  background: var(--accent);
  border: 3px solid var(--surface);
  box-shadow: 0 0 0 1.5px var(--accent);
  margin-top: -7px;
  transition: transform 120ms ease, background 120ms ease;
}
.rng::-webkit-slider-thumb:hover { transform: scale(1.12); background: var(--accent-deep); }
.rng::-moz-range-thumb {
  width: 12px; height: 12px; border-radius: 0;
  background: var(--accent); border: 3px solid var(--surface);
  box-shadow: 0 0 0 1.5px var(--accent);
}
.rng:focus-visible { outline: 2px solid var(--accent); outline-offset: 4px; }

.calc__rate {
  display: flex; justify-content: space-between; align-items: center; gap: 20px;
  border-top: 1px dashed var(--line-strong);
  padding-top: clamp(20px, 2.4vw, 28px);
  margin-top: auto;
}
.calc__rate-num {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(30px, 3vw, 40px);
  line-height: 1;
  margin-top: 6px;
}
.calc__rate p { font-size: 12.5px; color: var(--muted); max-width: 24ch; text-align: right; line-height: 1.5; }

.calc__result {
  background: var(--inc);
  color: var(--on-inc);
  border-top: 4px solid var(--accent);
  padding: clamp(24px, 3vw, 42px);
  display: flex; flex-direction: column; gap: clamp(18px, 2vw, 26px);
}
.calc__payment-num {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(48px, 5.4vw, 76px);
  line-height: 0.95;
  margin-top: 10px;
  white-space: nowrap;
}
.calc__breakdown > div {
  display: flex; justify-content: space-between; align-items: baseline; gap: 16px;
  padding: 10px 0;
  border-bottom: 1px solid var(--line-on-inc);
  font-size: 14px;
}
.calc__breakdown > div:first-child { border-top: 1px solid var(--line-on-inc); }
.calc__breakdown dt { color: var(--muted-on-inc); }
.calc__breakdown dd { font-weight: 500; font-variant-numeric: tabular-nums; white-space: nowrap; }
.calc__cta { margin-top: auto; }

/* ── Шаги ── */
.steps {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: clamp(12px, 1.6vw, 20px);
}
.steps li {
  background: var(--surface);
  border: 1px solid var(--line);
  border-top: 3px solid var(--inc);
  padding: clamp(18px, 2.2vw, 28px);
  display: flex; flex-direction: column;
  min-height: clamp(180px, 18vw, 230px);
  transition: border-color 200ms ease;
}
.steps li:hover { border-top-color: var(--accent); }
.steps__num { font-size: 12px; font-weight: 500; color: var(--accent); letter-spacing: 0.12em; margin-bottom: auto; }
.steps h3 {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(26px, 2.6vw, 36px);
  text-transform: uppercase;
  letter-spacing: 0.01em;
  margin: clamp(22px, 3vw, 40px) 0 8px;
}
.steps p { font-size: 14px; color: var(--muted); line-height: 1.55; max-width: 30ch; }

/* ── Почему мы ── */
.why__grid {
  display: grid; grid-template-columns: repeat(2, 1fr);
  gap: clamp(12px, 1.6vw, 20px);
  margin-bottom: clamp(48px, 6vw, 88px);
}
.why__grid article {
  background: var(--surface);
  border: 1px solid var(--line);
  border-left: 3px solid var(--accent);
  padding: clamp(20px, 2.6vw, 32px);
}
.why__grid h3 {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(24px, 2.4vw, 32px);
  text-transform: uppercase;
  letter-spacing: 0.01em;
  margin-bottom: 8px;
}
.why__grid p { font-size: 14px; color: var(--muted); line-height: 1.6; max-width: 46ch; }

.stats { background: var(--inc); border-top: 4px solid var(--accent); }
.stats__grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stats__grid > div {
  padding: clamp(28px, 4vw, 52px) clamp(16px, 2vw, 28px);
  border-right: 1px solid var(--line-on-inc);
}
.stats__grid > div:last-child { border-right: 0; }
.stats__grid dt {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(36px, 4.4vw, 64px);
  color: var(--on-inc);
  line-height: 0.95;
  white-space: nowrap;
}
.stats__grid dd { margin-top: 10px; font-size: 13px; color: var(--muted-on-inc); max-width: 20ch; }

/* ── Условия ── */
.terms { background: var(--surface); border: 1px solid var(--line); border-top: 3px solid var(--inc); }
.terms__sheet > div {
  display: grid; grid-template-columns: minmax(150px, 1fr) 2.2fr;
  gap: 20px; align-items: baseline;
  padding: clamp(16px, 2vw, 24px) clamp(20px, 3vw, 42px);
  border-bottom: 1px solid var(--line);
}
.terms__sheet dt {
  font-size: 11px; font-weight: 500;
  text-transform: uppercase; letter-spacing: 0.12em;
  color: var(--muted);
}
.terms__sheet dd {
  font-family: var(--font-display); font-weight: 600;
  font-size: clamp(22px, 2.2vw, 30px);
  text-transform: uppercase;
  letter-spacing: 0.01em;
}
.terms__foot {
  display: flex; justify-content: space-between; align-items: center;
  gap: 24px; flex-wrap: wrap;
  padding: clamp(16px, 2vw, 24px) clamp(20px, 3vw, 42px);
  background: var(--bg-2);
}
.terms__foot p { font-size: 12.5px; color: var(--muted); max-width: 58ch; line-height: 1.55; }

/* ── FAQ ── */
.faq { border-top: 2px solid var(--inc); }
.faq__item { border-bottom: 1px solid var(--line); }
.faq__q {
  width: 100%;
  display: flex; justify-content: space-between; align-items: center; gap: 24px;
  padding: clamp(18px, 2.4vw, 26px) 0;
  text-align: left;
  font-family: var(--font-body); font-weight: 500;
  font-size: clamp(17px, 1.8vw, 21px);
  line-height: 1.35;
}
.faq__icon {
  position: relative; flex: 0 0 auto;
  width: 36px; height: 36px;
  border: 1.5px solid var(--line-strong);
  transition: background 200ms ease, border-color 200ms ease;
}
.faq__icon::before, .faq__icon::after {
  content: ''; position: absolute; inset: 0; margin: auto;
  background: var(--inc);
  transition: transform 240ms ease, background 200ms ease;
}
.faq__icon::before { width: 14px; height: 2px; }
.faq__icon::after { width: 2px; height: 14px; }
.faq__q:hover .faq__icon { border-color: var(--accent); }
.faq__q[aria-expanded="true"] .faq__icon { background: var(--accent); border-color: var(--accent); }
.faq__q[aria-expanded="true"] .faq__icon::before,
.faq__q[aria-expanded="true"] .faq__icon::after { background: #fff; }
.faq__q[aria-expanded="true"] .faq__icon::after { transform: rotate(90deg); }
.faq__a {
  display: grid; grid-template-rows: 0fr;
  transition: grid-template-rows 320ms cubic-bezier(0.16, 1, 0.3, 1);
}
.faq__item.is-open .faq__a { grid-template-rows: 1fr; }
.faq__a > div { min-height: 0; overflow: hidden; }
.faq__a p {
  font-size: 15px; color: var(--muted); line-height: 1.65;
  max-width: 68ch; padding: 0 60px 24px 0;
}

/* ── Форма ── */
.lead {
  margin-top: clamp(64px, 8vw, 120px);
  padding: clamp(64px, 8vw, 110px) 0;
  background: var(--accent-soft);
  border-top: 2px solid var(--inc);
}
.lead__wrap {
  display: grid; grid-template-columns: 1fr 1.05fr;
  gap: clamp(32px, 5vw, 80px);
  align-items: center;
}
.lead__title {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(56px, 7.6vw, 116px);
  line-height: 0.88;
  text-transform: uppercase;
  letter-spacing: 0.005em;
}
.lead__title span { display: block; }
.lead__copy > p {
  margin-top: 22px;
  font-size: 17px; color: var(--soft); line-height: 1.6; max-width: 40ch;
}
.lead__points { margin-top: 26px; display: flex; flex-direction: column; gap: 10px; }
.lead__points li {
  font-size: 11px; font-weight: 500;
  text-transform: uppercase; letter-spacing: 0.11em;
  color: var(--soft);
  display: flex; align-items: center;
}
.lead__points li::before {
  content: ''; width: 7px; height: 7px;
  background: var(--accent);
  margin-right: 12px; flex: 0 0 auto;
}
.lead__card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-top: 4px solid var(--accent);
  padding: clamp(24px, 3vw, 40px);
}
.lead__card form { display: flex; flex-direction: column; gap: 22px; }
.lead__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.inp {
  width: 100%;
  background: var(--surface);
  border: 1.5px solid var(--line-strong);
  border-radius: 0;
  padding: 13px 14px;
  min-height: 50px;
  font-family: var(--font-body);
  font-size: max(16px, 1em);
  color: var(--inc);
  transition: border-color 160ms ease;
}
.inp::placeholder { color: var(--muted-2); }
.inp:hover { border-color: var(--soft); }
.inp:focus { border-color: var(--accent); outline: none; }
.inp.is-invalid { border-color: #C4283A; }
.lead__tabs {
  display: grid; grid-template-columns: repeat(3, 1fr);
  border: 1.5px solid var(--line-strong);
  padding: 4px; gap: 4px;
}
.lead__tab {
  min-height: 42px;
  font-family: var(--font-mono);
  font-size: 12px; font-weight: 500;
  text-transform: uppercase; letter-spacing: 0.06em;
  color: var(--muted);
  transition: background 160ms ease, color 160ms ease;
}
.lead__tab:hover { color: var(--inc); }
.lead__tab.is-on { background: var(--accent); color: #fff; }
.lead__submit { width: 100%; }
.lead__note { font-size: 12px; color: var(--muted); line-height: 1.55; }
.lead__note a { text-decoration: underline; text-underline-offset: 2px; }
.lead__note a:hover { color: var(--accent); }
.lead__error {
  font-size: 13px; color: #C4283A;
  border: 1.5px solid #C4283A;
  background: #FBE9EB;
  padding: 10px 14px;
}
.lead__done {
  display: flex; flex-direction: column; align-items: center; text-align: center;
  gap: 16px; padding: 28px 0;
}
.lead__done-mark {
  display: flex; align-items: center; justify-content: center;
  width: 72px; height: 72px;
  background: var(--accent); color: #fff;
}
.lead__done-mark svg { width: 40px; height: 40px; }
.lead__done h3 {
  font-family: var(--font-display); font-weight: 700; font-size: 40px;
  text-transform: uppercase;
}
.lead__done p { color: var(--muted); max-width: 38ch; line-height: 1.6; }

/* ── Футер ── */
.footer {
  background: var(--inc);
  color: var(--on-inc);
  padding: clamp(48px, 6vw, 80px) 0 32px;
  border-top: 4px solid var(--accent);
}
.footer__top {
  display: flex; justify-content: space-between; align-items: flex-start;
  gap: 40px; flex-wrap: wrap;
}
.footer__brand p {
  margin-top: 18px;
  font-size: 14px; color: var(--muted-on-inc);
  max-width: 38ch; line-height: 1.6;
}
.footer__nav { display: flex; flex-direction: column; gap: 12px; }
.footer__nav a {
  font-size: 11px; font-weight: 500;
  text-transform: uppercase; letter-spacing: 0.11em;
  color: var(--muted-on-inc);
  transition: color 160ms ease;
}
.footer__nav a:hover { color: var(--on-inc); }
.footer__bot {
  display: flex; justify-content: space-between; align-items: baseline;
  gap: 16px 32px; flex-wrap: wrap;
  margin-top: clamp(40px, 5vw, 64px);
  padding-top: 24px;
  border-top: 1px solid var(--line-on-inc);
  font-size: 12px; color: var(--muted-on-inc);
}
.footer__bot p { max-width: 56ch; line-height: 1.6; }
.footer__legal { display: flex; gap: 24px; flex-wrap: wrap; }
.footer__legal a { text-decoration: underline; text-underline-offset: 2px; transition: color 160ms ease; }
.footer__legal a:hover { color: var(--on-inc); }

/* ── Появление при скролле ── */
[data-reveal] {
  opacity: 0; transform: translateY(22px);
  transition: opacity 700ms cubic-bezier(0.16, 1, 0.3, 1), transform 700ms cubic-bezier(0.16, 1, 0.3, 1);
}
[data-reveal].in { opacity: 1; transform: none; }
[hidden] { display: none !important; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  [data-reveal] { opacity: 1; transform: none; transition: none; }
  * { transition-duration: 0.01ms !important; animation-duration: 0.01ms !important; }
}

/* ── Планшет ── */
@media (max-width: 960px) {
  .nav__links { display: none; }
  .hero__grid { grid-template-columns: 1fr; }
  .hero__stats {
    flex-direction: row; flex-wrap: wrap;
    border-left: 0; border-top: 2px solid var(--inc);
  }
  .hero__stats > div {
    flex: 1 1 40%;
    border-bottom: 1px solid var(--line);
  }
  .section__head { grid-template-columns: 1fr; gap: 10px; }
  .section__index { font-size: clamp(44px, 9vw, 72px); }
  .calc { grid-template-columns: 1fr; }
  .lead__wrap { grid-template-columns: 1fr; align-items: start; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .partners__list { grid-template-columns: repeat(2, 1fr); }
}

/* ── Мобильный (~390px) ── */
@media (max-width: 620px) {
  html { scroll-padding-top: 76px; }
  .nav__row { height: 62px; }
  .brand__word { font-size: 22px; }
  .brand__mark { width: 30px; height: 30px; font-size: 21px; }
  .nav__cta { padding: 10px 14px; font-size: 11px; }
  .hero__meta { gap: 10px 18px; font-size: 10px; }
  .hero__meta span:last-child { display: none; }
  .hero__title { font-size: clamp(52px, 15.5vw, 64px); }
  .hero__actions { width: 100%; flex-direction: column; align-items: stretch; }
  .hero__stats > div { flex: 1 1 40%; padding-left: 0; }
  .partners__list { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .steps li { min-height: auto; }
  .steps h3 { margin-top: 16px; }
  .why__grid { grid-template-columns: 1fr; }
  .stats__grid { grid-template-columns: repeat(2, 1fr); }
  .stats__grid > div { border-right: 0; border-bottom: 1px solid var(--line-on-inc); }
  .stats__grid > div:nth-child(odd) { border-right: 1px solid var(--line-on-inc); }
  .stats__grid > div:nth-child(n+3) { border-bottom: 0; }
  .terms__sheet > div { grid-template-columns: 1fr; gap: 4px; }
  .faq__a p { padding-right: 0; }
  .lead__grid { grid-template-columns: 1fr; }
  .calc__rate { flex-direction: column; align-items: flex-start; gap: 8px; }
  .calc__rate p { text-align: left; max-width: none; }
}