/* =========================================================
   АПЕЛЬСИН ЗАЙМ — стили сайта
   Токены, база, компоненты, секции, адаптив
   ========================================================= */

:root {
  /* Цвет */
  --c-orange: #FF6A13;
  --c-orange-dark: #E85D0A;
  --c-orange-light: #FFB25C;
  --c-orange-soft: #FFF1E2;
  --c-orange-soft-2: #FFE3C6;
  --c-ink: #21201C;
  --c-ink-soft: #5B564C;
  --c-navy: #16232B;
  --c-navy-soft: #29404B;
  --c-paper: #FFFBF6;
  --c-white: #FFFFFF;
  --c-border: #EEE4D8;
  --c-green: #3F8F29;
  --c-green-soft: #EAF6E4;
  --c-amber: #B5790E;
  --c-amber-soft: #FBF0DC;

  /* Типографика */
  --f-display: 'Unbounded', Arial, sans-serif;
  --f-body: 'Manrope', Arial, sans-serif;

  /* Форма */
  --radius-s: 10px;
  --radius-m: 18px;
  --radius-l: 28px;
  --radius-pill: 999px;

  /* Тень */
  --shadow-card: 0 14px 30px -18px rgba(33, 32, 28, 0.28);
  --shadow-lift: 0 20px 40px -16px rgba(232, 93, 10, 0.45);

  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; overflow-x: hidden; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; }
}

body {
  margin: 0;
  font-family: var(--f-body);
  color: var(--c-ink);
  background: var(--c-paper);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; height: auto; }

a { color: inherit; text-decoration: none; }

h1, h2, h3, h4 {
  font-family: var(--f-display);
  color: var(--c-navy);
  line-height: 1.22;
  margin: 0 0 16px;
  font-weight: 700;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(32px, 4.4vw, 50px); }
h2 { font-size: clamp(26px, 3.2vw, 36px); }
h3 { font-size: clamp(20px, 2.2vw, 24px); }
h4 { font-size: 18px; }

p { margin: 0 0 16px; }
p:last-child { margin-bottom: 0; }

ul, ol { margin: 0 0 20px; padding-left: 22px; }
ul li, ol li { margin-bottom: 8px; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 20px;
}

.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap; border: 0;
}

:focus-visible {
  outline: 3px solid var(--c-orange);
  outline-offset: 3px;
  border-radius: 4px;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--c-navy);
  color: #fff;
  padding: 12px 18px;
  z-index: 1000;
  border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

/* =========================================================
   Кнопки
   ========================================================= */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--f-display);
  font-weight: 600;
  font-size: 15px;
  padding: 15px 26px;
  border-radius: var(--radius-pill);
  border: none;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
  line-height: 1;
  white-space: nowrap;
}
.btn--primary {
  background: linear-gradient(135deg, var(--c-orange-light), var(--c-orange) 65%, var(--c-orange-dark));
  color: #fff;
  box-shadow: var(--shadow-lift);
}
.btn--primary:hover { transform: translateY(-2px); box-shadow: 0 24px 44px -16px rgba(232,93,10,.55); }
.btn--primary:active { transform: translateY(0); }
.btn--ghost {
  background: transparent;
  color: var(--c-navy);
  border: 2px solid var(--c-border);
}
.btn--ghost:hover { border-color: var(--c-orange); color: var(--c-orange-dark); }
.btn--light {
  background: #fff;
  color: var(--c-orange-dark);
}
.btn--light:hover { transform: translateY(-2px); }
.btn--block { width: 100%; }
.btn--sm { padding: 10px 18px; font-size: 13px; }

/* =========================================================
   Шапка
   ========================================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,251,246,0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--c-border);
}
.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 14px 0;
}
.site-logo { display: inline-flex; align-items: center; }
.site-logo-svg { width: 196px; height: 47px; }
.logo-word--dark { color: var(--c-navy); }
.logo-word--light { color: #fff; }

.main-nav { display: flex; align-items: center; gap: 28px; }
.main-nav a {
  font-weight: 600;
  font-size: 15px;
  color: var(--c-ink-soft);
  transition: color .15s ease;
}
.main-nav a:hover { color: var(--c-orange-dark); }
.main-nav__cta { display: none; }
.header-cta { display: flex; align-items: center; gap: 14px; }

.nav-toggle {
  display: none;
  width: 44px; height: 44px;
  border-radius: 12px;
  border: 1px solid var(--c-border);
  background: #fff;
  align-items: center;
  justify-content: center;
}
.nav-toggle span, .nav-toggle::before, .nav-toggle::after {
  content: "";
  display: block;
  width: 20px; height: 2px;
  background: var(--c-navy);
  position: relative;
}
.nav-toggle::before { transform: translateY(-6px); position: absolute; }
.nav-toggle::after { transform: translateY(6px); position: absolute; }

/* =========================================================
   Секции / разделители в форме дольки апельсина
   ========================================================= */
.section { padding: 72px 0; }
.section--tight { padding: 48px 0; }
.section--alt { background: var(--c-orange-soft); }
.section--navy { background: var(--c-navy); color: #fff; }
.section--navy h2, .section--navy h3 { color: #fff; }

.segment-divider {
  display: block;
  width: 100%;
  height: 34px;
  margin-bottom: -1px;
}
.segment-divider--flip { transform: rotate(180deg); margin-bottom: 0; margin-top: -1px; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--f-display);
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--c-orange-dark);
  background: var(--c-orange-soft);
  padding: 8px 16px;
  border-radius: var(--radius-pill);
  margin-bottom: 18px;
}
.section--navy .eyebrow { background: rgba(255,255,255,0.12); color: var(--c-orange-light); }

.section-head { max-width: 720px; margin-bottom: 40px; }
.section-head p { color: var(--c-ink-soft); font-size: 17px; }

/* =========================================================
   Hero + калькулятор
   ========================================================= */
.hero {
  position: relative;
  overflow: hidden;
  padding: 56px 0 40px;
  background:
    radial-gradient(circle at 84% 12%, rgba(255,178,92,.35), transparent 55%),
    radial-gradient(circle at 100% 90%, rgba(255,106,19,.16), transparent 45%),
    var(--c-paper);
}
.hero__grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 48px;
  align-items: center;
}
.hero__eyebrow { margin-bottom: 20px; }
.hero p.lead {
  font-size: 19px;
  color: var(--c-ink-soft);
  max-width: 520px;
}
.hero__trust {
  display: flex;
  gap: 24px;
  margin-top: 32px;
  flex-wrap: wrap;
}
.hero__trust-item { display: flex; flex-direction: column; }
.hero__trust-item strong { font-family: var(--f-display); font-size: 22px; color: var(--c-navy); }
.hero__trust-item span { font-size: 13.5px; color: var(--c-ink-soft); }

.calc-card {
  background: #fff;
  border-radius: var(--radius-l);
  padding: 32px;
  box-shadow: var(--shadow-card);
  border: 1px solid var(--c-border);
  position: relative;
}
.calc-card::before {
  content: "";
  position: absolute;
  inset: -14px -14px auto auto;
  width: 84px; height: 84px;
  background: radial-gradient(circle, var(--c-orange-light), var(--c-orange) 70%);
  border-radius: 50%;
  opacity: .18;
  z-index: 0;
}
.calc-card__row { position: relative; z-index: 1; margin-bottom: 26px; }
.calc-card__row:last-of-type { margin-bottom: 20px; }
.calc-card__label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-family: var(--f-display);
  font-weight: 600;
  font-size: 14px;
  color: var(--c-ink-soft);
  margin-bottom: 12px;
}
.calc-card__value {
  font-family: var(--f-body);
  font-variant-numeric: tabular-nums;
  font-weight: 800;
  font-size: 22px;
  color: var(--c-orange-dark);
}
input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 8px;
  border-radius: var(--radius-pill);
  background: linear-gradient(90deg, var(--c-orange) 0%, var(--c-orange) var(--fill, 50%), var(--c-orange-soft-2) var(--fill, 50%), var(--c-orange-soft-2) 100%);
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 26px; height: 26px;
  border-radius: 50%;
  background: #fff;
  border: 5px solid var(--c-orange);
  box-shadow: 0 4px 10px rgba(232,93,10,.35);
  cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 16px; height: 16px;
  border-radius: 50%;
  background: #fff;
  border: 5px solid var(--c-orange);
  box-shadow: 0 4px 10px rgba(232,93,10,.35);
  cursor: pointer;
  border: none;
}
input[type="range"]::-moz-range-track { height: 8px; border-radius: var(--radius-pill); background: transparent; }

.calc-card__hint {
  font-size: 12.5px;
  color: var(--c-ink-soft);
  margin-top: 6px;
}
.calc-card__result {
  position: relative; z-index: 1;
  background: var(--c-orange-soft);
  border-radius: var(--radius-m);
  padding: 14px 18px;
  font-size: 13.5px;
  color: var(--c-ink-soft);
  margin-bottom: 20px;
}
.calc-card__result strong { color: var(--c-navy); }

/* =========================================================
   Витрина / карточки МФО
   ========================================================= */
.offers-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.offer-card {
  position: relative;
  background: #fff;
  border: 1px solid var(--c-border);
  border-radius: var(--radius-l);
  padding: 26px 22px 22px;
  display: flex;
  flex-direction: column;
  gap: 18px;
  box-shadow: var(--shadow-card);
  transition: transform .2s ease, box-shadow .2s ease, opacity .2s ease;
}
.offer-card:hover { transform: translateY(-4px); box-shadow: 0 22px 40px -18px rgba(33,32,28,.32); }
.offer-card.is-dimmed { opacity: .38; }

.offer-card__badge {
  position: absolute;
  top: -12px;
  left: 20px;
  background: var(--c-green);
  color: #fff;
  font-family: var(--f-display);
  font-size: 11.5px;
  font-weight: 600;
  padding: 7px 14px;
  border-radius: var(--radius-pill);
  box-shadow: 0 8px 16px -6px rgba(63,143,41,.55);
}
.offer-card__logo {
  height: 56px;
  display: flex;
  align-items: center;
}
.offer-card__params {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 14px;
  margin: 0;
}
.offer-card__param dt {
  font-size: 11.5px;
  text-transform: uppercase;
  letter-spacing: .04em;
  color: var(--c-ink-soft);
  margin-bottom: 3px;
}
.offer-card__param dd {
  margin: 0;
  font-weight: 700;
  font-size: 14.5px;
  color: var(--c-navy);
}
.offer-card__footer {
  margin-top: auto;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.approval-tag {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 12.5px;
  font-weight: 700;
  padding: 6px 12px;
  border-radius: var(--radius-pill);
  width: fit-content;
}
.approval-tag__dot { width: 8px; height: 8px; border-radius: 50%; }
.approval--high { background: var(--c-green-soft); color: var(--c-green); }
.approval--high .approval-tag__dot { background: var(--c-green); }
.approval--medium { background: var(--c-amber-soft); color: var(--c-amber); }
.approval--medium .approval-tag__dot { background: var(--c-amber); }

.offers-toolbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 24px;
  flex-wrap: wrap;
}
.offers-toolbar__filter {
  display: none;
  align-items: center;
  gap: 10px;
  background: #fff;
  border: 1px solid var(--c-border);
  border-radius: var(--radius-pill);
  padding: 8px 8px 8px 16px;
  font-size: 13.5px;
  color: var(--c-ink-soft);
}
.offers-toolbar__filter.is-active { display: inline-flex; }
.offers-toolbar__reset {
  background: var(--c-navy);
  color: #fff;
  border: none;
  border-radius: var(--radius-pill);
  padding: 6px 14px;
  font-size: 12.5px;
  font-weight: 600;
  cursor: pointer;
}

.legal-note {
  margin-top: 28px;
  font-size: 12.5px;
  color: var(--c-ink-soft);
  line-height: 1.6;
  border-top: 1px solid var(--c-border);
  padding-top: 20px;
}

/* =========================================================
   Преимущества / шаги
   ========================================================= */
.cards-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.info-card {
  background: #fff;
  border: 1px solid var(--c-border);
  border-radius: var(--radius-l);
  padding: 28px;
}
.info-card__icon {
  width: 52px; height: 52px;
  border-radius: 16px;
  background: var(--c-orange-soft);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.info-card h3 { margin-bottom: 10px; }
.info-card p { color: var(--c-ink-soft); font-size: 15.5px; margin: 0; }

.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.step {
  position: relative;
  background: #fff;
  border: 1px solid var(--c-border);
  border-radius: var(--radius-m);
  padding: 26px 20px;
}
.step__num {
  font-family: var(--f-display);
  font-size: 34px;
  font-weight: 800;
  color: var(--c-orange-soft-2);
  -webkit-text-stroke: 1.5px var(--c-orange);
  margin-bottom: 12px;
  display: block;
}
.step h3 { font-size: 17px; margin-bottom: 8px; }
.step p { color: var(--c-ink-soft); font-size: 14.5px; margin: 0; }

/* =========================================================
   Контентные блоки (статья)
   ========================================================= */
.article-block {
  background: #fff;
  border: 1px solid var(--c-border);
  border-radius: var(--radius-l);
  padding: 40px;
}
.article-block + .article-block { margin-top: 20px; }
.article-block table {
  width: 100%;
  border-collapse: collapse;
  margin: 0 0 20px;
  font-size: 15px;
}
.table-scroll {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  margin: 0 0 20px;
}
.table-scroll table { margin: 0; min-width: 480px; }
.article-block table caption { text-align: left; font-size: 13px; color: var(--c-ink-soft); margin-bottom: 8px; }
.article-block th, .article-block td {
  text-align: left;
  padding: 12px 14px;
  border-bottom: 1px solid var(--c-border);
}
.article-block th { font-family: var(--f-display); font-size: 13px; color: var(--c-navy); }

.content-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

/* =========================================================
   FAQ
   ========================================================= */
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: #fff;
  border: 1px solid var(--c-border);
  border-radius: var(--radius-m);
  overflow: hidden;
}
.faq-item summary {
  cursor: pointer;
  list-style: none;
  padding: 20px 24px;
  font-family: var(--f-display);
  font-weight: 600;
  font-size: 16px;
  color: var(--c-navy);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 22px;
  color: var(--c-orange);
  flex-shrink: 0;
  transition: transform .2s ease;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item__body { padding: 0 24px 22px; color: var(--c-ink-soft); font-size: 15.5px; }

/* =========================================================
   CTA полоса
   ========================================================= */
.cta-strip {
  background: linear-gradient(120deg, var(--c-navy), var(--c-navy-soft));
  border-radius: var(--radius-l);
  padding: 44px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  color: #fff;
  flex-wrap: wrap;
}
.cta-strip h2 { color: #fff; margin-bottom: 8px; }
.cta-strip p { color: rgba(255,255,255,.72); margin: 0; }

/* =========================================================
   Личный кабинет
   ========================================================= */
.lk-hero {
  background: var(--c-orange-soft);
  border-radius: var(--radius-l);
  padding: 44px;
}
.lk-hero__actions { display: flex; gap: 14px; margin-top: 26px; flex-wrap: wrap; }
.lk-panels { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 20px; }
.lk-panel {
  background: #fff;
  border: 1px solid var(--c-border);
  border-radius: var(--radius-m);
  padding: 26px;
}
.lk-panel h3 { margin-bottom: 10px; }
.lk-panel p { color: var(--c-ink-soft); font-size: 15px; margin: 0; }

/* =========================================================
   404
   ========================================================= */
.error-page {
  min-height: 62vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 60px 20px;
}
.error-page__code {
  font-family: var(--f-display);
  font-weight: 800;
  font-size: clamp(64px, 14vw, 140px);
  background: linear-gradient(135deg, var(--c-orange-light), var(--c-orange-dark));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  line-height: 1;
  margin-bottom: 8px;
}
.error-page__actions { display: flex; gap: 14px; justify-content: center; margin-top: 26px; flex-wrap: wrap; }

/* =========================================================
   Подвал
   ========================================================= */
.site-footer {
  background: var(--c-navy);
  color: rgba(255,255,255,.72);
  padding: 60px 0 30px;
}
.footer-top {
  display: grid;
  grid-template-columns: 1.4fr repeat(3, 1fr);
  gap: 32px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.footer-brand p { font-size: 14px; margin-top: 16px; max-width: 300px; }
.footer-col h4 { color: #fff; font-size: 14px; margin-bottom: 16px; }
.footer-col ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.footer-col a { font-size: 14.5px; transition: color .15s ease; }
.footer-col a:hover { color: var(--c-orange-light); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 20px;
  padding-top: 26px;
  font-size: 12.5px;
  flex-wrap: wrap;
}
.footer-bottom__legal { max-width: 760px; line-height: 1.7; color: rgba(255,255,255,.5); }
.footer-bottom__copy { color: rgba(255,255,255,.6); }

/* =========================================================
   Хлебные крошки
   ========================================================= */
.breadcrumbs { margin: 22px 0; }
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; padding: 0; margin: 0; font-size: 13.5px; color: var(--c-ink-soft); }
.breadcrumbs li:not(:last-child)::after { content: "/"; margin-left: 6px; color: var(--c-border); }
.breadcrumbs a:hover { color: var(--c-orange-dark); }

/* =========================================================
   Адаптив
   ========================================================= */
@media (max-width: 980px) {
  .hero__grid { grid-template-columns: 1fr; }
  .offers-grid { grid-template-columns: repeat(2, 1fr); }
  .cards-3 { grid-template-columns: repeat(3, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .content-grid { grid-template-columns: 1fr; }
}

@media (max-width: 760px) {
  .main-nav { display: none; }
  .header-cta { display: none; }
  .nav-toggle { display: flex; }
  .offers-grid { grid-template-columns: 1fr; }
  .cards-3 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .lk-panels { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .cta-strip { flex-direction: column; align-items: flex-start; }
  .article-block { padding: 26px; }
  .section { padding: 52px 0; }
}

@media (max-width: 380px) {
  .site-logo-svg { width: 158px; height: 38px; }
}

body.nav-open .main-nav {
  display: flex;
  position: fixed;
  inset: 68px 16px auto 16px;
  background: #fff;
  border-radius: var(--radius-m);
  border: 1px solid var(--c-border);
  flex-direction: column;
  align-items: stretch;
  padding: 20px;
  box-shadow: var(--shadow-card);
  gap: 16px;
  z-index: 99;
  max-height: calc(100vh - 88px);
  overflow-y: auto;
}
body.nav-open .main-nav a { padding: 4px 2px; }
body.nav-open .main-nav__cta {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 6px;
  padding-top: 16px;
  border-top: 1px solid var(--c-border);
}