/* ====== RESET ====== */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
    font-family: 'Manrope', -apple-system, BlinkMacSystemFont, sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: var(--ink);
    background: var(--bg);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, textarea { font-family: inherit; font-size: inherit; }

/* ====== TOKENS — DARK PREMIUM ====== */
:root {
    --bg: #0A0B0F;
    --bg-soft: #11131A;
    --bg-card: #15171F;
    --bg-elevated: #1C1F28;
    --ink: #F2EFE8;
    --ink-soft: #B5B2AA;
    --muted: #6E6E68;
    --line: rgba(255,255,255,.08);
    --line-strong: rgba(255,255,255,.14);
    --accent: #C9A574;
    --accent-soft: #E2C594;
    --accent-deep: #9C7A4D;
    --emerald: #2D3B36;
    --white: #ffffff;
    --radius: 20px;
    --radius-sm: 12px;
    --shadow: 0 16px 48px -20px rgba(0, 0, 0, 0.5);
    --shadow-lg: 0 36px 72px -24px rgba(0, 0, 0, 0.7);
    --max: 1240px;
    --ease: cubic-bezier(.2,.7,.2,1);
}

.container {
    max-width: var(--max);
    margin: 0 auto;
    padding: 0 24px;
}

h1, h2, h3 {
    font-family: 'Unbounded', sans-serif;
    font-weight: 700;
    line-height: 1.1;
    letter-spacing: -0.02em;
    color: var(--ink);
}

/* ====== HEADER ====== */
.header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(10, 11, 15, 0.7);
    backdrop-filter: saturate(180%) blur(20px);
    -webkit-backdrop-filter: saturate(180%) blur(20px);
    border-bottom: 1px solid var(--line);
}
.header__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
    gap: 24px;
}
.logo {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-family: 'Unbounded', sans-serif;
    font-weight: 700;
    font-size: 20px;
    letter-spacing: -0.02em;
    color: var(--ink);
}
.logo__mark {
    width: 38px; height: 38px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--accent), var(--accent-soft));
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Unbounded', sans-serif;
    font-weight: 700;
    color: #0A0B0F;
    font-size: 14px;
    letter-spacing: -0.04em;
    box-shadow: 0 6px 20px -4px rgba(201, 165, 116, .5);
}
.logo__text {
    font-family: 'Unbounded', sans-serif;
    font-weight: 600;
    font-size: 20px;
    letter-spacing: -0.02em;
}
.logo__priteev { color: var(--ink); }
.logo__ma { color: var(--accent); }
.nav { display: flex; gap: 32px; margin-left: auto; margin-right: 16px; }
.nav__link {
    font-size: 15px;
    font-weight: 500;
    color: var(--ink-soft);
    transition: color .2s var(--ease);
    position: relative;
}
.nav__link:hover { color: var(--ink); }
.nav__link::after {
    content: '';
    position: absolute; left: 0; bottom: -4px;
    width: 0; height: 2px;
    background: var(--accent);
    transition: width .25s var(--ease);
}
.nav__link:hover::after { width: 100%; }

.burger {
    display: none;
    width: 40px; height: 40px;
    flex-direction: column;
    justify-content: center; align-items: center;
    gap: 5px;
}
.burger span {
    display: block;
    width: 22px; height: 2px;
    background: var(--ink);
    border-radius: 2px;
    transition: transform .25s var(--ease), opacity .25s var(--ease);
}
.burger.is-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger.is-open span:nth-child(2) { opacity: 0; }
.burger.is-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ====== BUTTONS ====== */
.btn {
    display: inline-flex;
    align-items: center; justify-content: center;
    gap: 8px;
    padding: 14px 26px;
    font-size: 15px;
    font-weight: 600;
    border-radius: 999px;
    transition: all .25s var(--ease);
    white-space: nowrap;
}
.btn--primary {
    background: var(--accent);
    color: #0A0B0F;
}
.btn--primary:hover {
    background: var(--accent-soft);
    transform: translateY(-2px);
    box-shadow: 0 16px 32px -10px rgba(201, 165, 116, .5);
}
.btn--ghost { color: var(--ink); }
.btn--ghost:hover { color: var(--accent); }
.btn--outline {
    border: 1.5px solid var(--line-strong);
    color: var(--ink);
    padding: 12px 22px;
    background: rgba(255,255,255,.02);
}
.btn--outline:hover {
    background: var(--accent);
    color: #0A0B0F;
    border-color: var(--accent);
}
.btn--block { width: 100%; }

/* ====== HERO ====== */
.hero {
    position: relative;
    padding: 80px 0 120px;
    overflow: hidden;
}
.hero__bg {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse 60% 50% at 85% 25%, rgba(201, 165, 116, .18), transparent 60%),
        radial-gradient(ellipse 50% 40% at 10% 90%, rgba(45, 59, 54, .25), transparent 60%);
    pointer-events: none;
    z-index: 0;
}
.hero__bg::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.025) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.025) 1px, transparent 1px);
    background-size: 60px 60px;
    mask-image: radial-gradient(ellipse 80% 60% at 50% 40%, #000 30%, transparent 80%);
    -webkit-mask-image: radial-gradient(ellipse 80% 60% at 50% 40%, #000 30%, transparent 80%);
}
.hero__inner {
    position: relative; z-index: 1;
    display: grid;
    grid-template-columns: 1.15fr 1fr;
    gap: 60px;
    align-items: center;
}
.hero__content { max-width: 680px; }
.badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    border: 1px solid var(--line-strong);
    border-radius: 999px;
    background: rgba(255,255,255,.03);
    font-size: 13px;
    font-weight: 500;
    color: var(--ink-soft);
    margin-bottom: 28px;
}
.badge__dot {
    width: 8px; height: 8px;
    border-radius: 50%;
    background: var(--accent);
    box-shadow: 0 0 12px var(--accent);
    animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: .6; transform: scale(1.2); }
}
.hero__title {
    font-size: clamp(38px, 5.5vw, 72px);
    margin-bottom: 24px;
}
.accent {
    background: linear-gradient(135deg, var(--accent-soft), var(--accent));
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
}
.hero__text {
    font-size: clamp(16px, 1.3vw, 19px);
    color: var(--ink-soft);
    margin-bottom: 36px;
    max-width: 560px;
}
.hero__actions {
    display: flex;
    gap: 14px;
    margin-bottom: 56px;
    flex-wrap: wrap;
}
.hero__stats {
    display: grid;
    grid-template-columns: repeat(3, minmax(0,1fr));
    gap: 32px;
    max-width: 600px;
    border-top: 1px solid var(--line);
    padding-top: 32px;
}
.stat__num {
    font-family: 'Unbounded', sans-serif;
    font-size: clamp(26px, 3vw, 36px);
    font-weight: 700;
    color: var(--ink);
    margin-bottom: 4px;
}
.stat__label {
    font-size: 13px;
    color: var(--muted);
    letter-spacing: 0.02em;
}

/* ===== Hero визуал ===== */
.hero__visual {
    position: relative;
    height: 560px;
}
.hero__photo {
    position: absolute;
    border-radius: var(--radius);
    overflow: hidden;
    border: 1px solid var(--line-strong);
    box-shadow: var(--shadow-lg);
}
.hero__photo img {
    width: 100%; height: 100%;
    object-fit: cover;
}
.hero__photo--1 {
    width: 65%; height: 70%;
    top: 0; right: 0;
    z-index: 2;
}
.hero__photo--2 {
    width: 55%; height: 50%;
    bottom: 0; left: 0;
    z-index: 3;
}
.hero__photo--3 {
    width: 40%; height: 35%;
    top: 50%; right: 8%;
    z-index: 4;
    transform: translateY(-20%);
}
.hero__chip {
    position: absolute;
    z-index: 5;
    background: rgba(21, 23, 31, 0.9);
    backdrop-filter: blur(12px);
    border: 1px solid var(--line-strong);
    border-radius: 14px;
    padding: 14px 18px;
    display: flex;
    align-items: center;
    gap: 12px;
    box-shadow: var(--shadow);
}
.hero__chip--top { top: -10px; left: -30px; }
.hero__chip--bottom { bottom: 110px; right: -20px; }
.hero__chip__icon {
    width: 36px; height: 36px;
    border-radius: 10px;
    background: linear-gradient(135deg, var(--accent), var(--accent-soft));
    display: flex;
    align-items: center; justify-content: center;
    font-size: 16px;
}
.hero__chip__title {
    font-size: 13px;
    font-weight: 600;
    color: var(--ink);
}
.hero__chip__sub {
    font-size: 11px;
    color: var(--muted);
}

/* ====== SECTIONS ====== */
.section {
    padding: 120px 0;
    position: relative;
}
.section--soft {
    background: var(--bg-soft);
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
}
.section__head {
    text-align: center;
    max-width: 720px;
    margin: 0 auto 72px;
}
.eyebrow {
    display: inline-block;
    font-size: 12px;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--accent);
    font-weight: 700;
    margin-bottom: 16px;
}
.section__title {
    font-size: clamp(32px, 4vw, 52px);
    margin-bottom: 16px;
}
.section__sub {
    font-size: 17px;
    color: var(--ink-soft);
}

/* ====== STAGES ====== */
.stages {
    display: grid;
    grid-template-columns: repeat(4, minmax(0,1fr));
    gap: 20px;
}
.stage {
    background: linear-gradient(160deg, var(--bg-card), var(--bg-soft));
    border-radius: var(--radius);
    padding: 36px 28px;
    border: 1px solid var(--line);
    transition: all .35s var(--ease);
    position: relative;
    overflow: hidden;
}
.stage::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 100%; height: 1px;
    background: linear-gradient(90deg, transparent, var(--accent), transparent);
    transform: scaleX(0);
    transition: transform .5s var(--ease);
}
.stage:hover {
    transform: translateY(-6px);
    border-color: var(--line-strong);
    box-shadow: var(--shadow);
}
.stage:hover::before { transform: scaleX(1); }
.stage__num {
    font-family: 'Unbounded', sans-serif;
    font-size: 40px;
    font-weight: 300;
    color: var(--accent);
    margin-bottom: 24px;
    letter-spacing: -0.04em;
}
.stage__title {
    font-size: 22px;
    margin-bottom: 12px;
}
.stage__text {
    color: var(--ink-soft);
    font-size: 15px;
}

/* ====== ADVANTAGES — с фото ====== */
.advantages {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 64px;
    align-items: center;
}
.advantages__list {
    display: flex;
    flex-direction: column;
    gap: 16px;
}
.adv {
    display: flex;
    gap: 20px;
    padding: 24px;
    border-radius: var(--radius);
    border: 1px solid var(--line);
    background: rgba(255,255,255,.02);
    transition: all .3s var(--ease);
}
.adv:hover {
    border-color: var(--accent);
    background: rgba(201, 165, 116, .04);
    transform: translateX(4px);
}
.adv__icon {
    flex-shrink: 0;
    width: 48px; height: 48px;
    border-radius: 12px;
    background: linear-gradient(135deg, rgba(201, 165, 116, .25), rgba(226, 197, 148, .1));
    border: 1px solid rgba(201, 165, 116, .2);
    display: flex;
    align-items: center; justify-content: center;
    font-size: 22px;
}
.adv__title {
    font-size: 17px;
    font-weight: 600;
    color: var(--ink);
    margin-bottom: 6px;
}
.adv__text {
    font-size: 14px;
    color: var(--ink-soft);
}
.advantages__visual {
    position: relative;
    height: 580px;
    border-radius: var(--radius);
    overflow: hidden;
}
.advantages__visual img {
    width: 100%; height: 100%;
    object-fit: cover;
}
.advantages__visual::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 50%, rgba(10, 11, 15, .6));
}
.advantages__caption {
    position: absolute;
    bottom: 32px; left: 32px; right: 32px;
    z-index: 2;
    color: var(--white);
}
.advantages__caption-title {
    font-family: 'Unbounded', sans-serif;
    font-size: 22px;
    font-weight: 600;
    margin-bottom: 8px;
}
.advantages__caption-sub {
    font-size: 14px;
    opacity: .8;
}

/* ====== BANKS ====== */
.banks-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0,1fr));
    gap: 20px;
}
.bank {
    background: linear-gradient(160deg, var(--bg-card), var(--bg-soft));
    border-radius: var(--radius);
    padding: 32px 28px;
    border: 1px solid var(--line);
    display: flex;
    flex-direction: column;
    transition: all .35s var(--ease);
    position: relative;
    overflow: hidden;
}
.bank::before {
    content: '';
    position: absolute;
    top: 0; left: 50%;
    transform: translateX(-50%);
    width: 60%;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--accent), transparent);
    opacity: 0;
    transition: opacity .4s var(--ease);
}
.bank:hover {
    transform: translateY(-6px);
    border-color: var(--line-strong);
    box-shadow: var(--shadow-lg);
}
.bank:hover::before { opacity: 1; }
.bank__top {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 20px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--line);
}
.bank__logo {
    width: 56px; height: 56px;
    border-radius: 14px;
    background: var(--white);
    display: flex;
    align-items: center; justify-content: center;
    flex-shrink: 0;
    overflow: hidden;
    padding: 8px;
}
.bank__logo img {
    width: 100%; height: 100%;
    object-fit: contain;
}
.bank__name-wrap { flex-grow: 1; }
.bank__name {
    font-family: 'Unbounded', sans-serif;
    font-size: 19px;
    font-weight: 600;
    letter-spacing: -0.02em;
    color: var(--ink);
}
.tag {
    display: inline-block;
    background: rgba(201, 165, 116, .15);
    color: var(--accent);
    font-size: 11px;
    font-weight: 600;
    padding: 4px 10px;
    border-radius: 999px;
    letter-spacing: 0.04em;
    margin-top: 4px;
    text-transform: uppercase;
}
.bank__list {
    list-style: none;
    margin-bottom: 24px;
    flex-grow: 1;
}
.bank__list li {
    padding: 8px 0 8px 24px;
    font-size: 14px;
    color: var(--ink-soft);
    position: relative;
}
.bank__list li::before {
    content: '';
    position: absolute;
    left: 0; top: 16px;
    width: 12px; height: 1px;
    background: var(--accent);
}

/* ====== REVIEWS ====== */
.reviews {
    display: grid;
    grid-template-columns: repeat(3, minmax(0,1fr));
    gap: 20px;
}
.review {
    background: linear-gradient(160deg, var(--bg-card), var(--bg-soft));
    border-radius: var(--radius);
    padding: 36px 30px;
    border: 1px solid var(--line);
    position: relative;
    transition: all .35s var(--ease);
}
.review:hover {
    transform: translateY(-4px);
    border-color: var(--line-strong);
    box-shadow: var(--shadow);
}
.review__quote {
    font-family: 'Unbounded', sans-serif;
    font-size: 80px;
    line-height: .6;
    color: var(--accent);
    margin-bottom: 16px;
    height: 30px;
    opacity: .5;
}
.review__text {
    color: var(--ink-soft);
    font-size: 16px;
    line-height: 1.65;
    margin-bottom: 28px;
}
.review__author {
    display: flex;
    align-items: center;
    gap: 14px;
    border-top: 1px solid var(--line);
    padding-top: 20px;
}
.avatar {
    width: 44px; height: 44px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--accent), var(--accent-soft));
    color: #0A0B0F;
    display: flex;
    align-items: center; justify-content: center;
    font-weight: 700;
    font-size: 14px;
    letter-spacing: 0.02em;
}
.review__name { font-weight: 600; font-size: 15px; color: var(--ink); }
.review__role { font-size: 13px; color: var(--muted); }

/* ====== CTA ====== */
.section--cta { padding: 100px 0; }
.cta {
    background: linear-gradient(160deg, var(--bg-elevated), var(--bg-card));
    border-radius: 32px;
    padding: 72px 64px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
    border: 1px solid var(--line-strong);
    position: relative;
    overflow: hidden;
}
.cta::before {
    content: '';
    position: absolute;
    top: -100px; right: -100px;
    width: 500px; height: 500px;
    background: radial-gradient(circle, rgba(201, 165, 116, .25), transparent 70%);
    pointer-events: none;
}
.cta::after {
    content: '';
    position: absolute;
    bottom: -150px; left: -150px;
    width: 400px; height: 400px;
    background: radial-gradient(circle, rgba(45, 59, 54, .3), transparent 70%);
    pointer-events: none;
}
.cta__content { position: relative; z-index: 1; }
.cta__title {
    color: var(--ink);
    font-size: clamp(32px, 4vw, 48px);
    margin-bottom: 20px;
}
.cta__text {
    color: var(--ink-soft);
    font-size: 17px;
}
.form {
    background: rgba(255,255,255,.03);
    border: 1px solid var(--line-strong);
    border-radius: 20px;
    padding: 32px;
    position: relative;
    z-index: 1;
    backdrop-filter: blur(10px);
}
.form__row { margin-bottom: 14px; }
.form input,
.form textarea {
    width: 100%;
    padding: 16px 18px;
    background: rgba(255,255,255,.04);
    border: 1px solid var(--line-strong);
    border-radius: 12px;
    color: var(--ink);
    transition: border-color .25s var(--ease), background .25s var(--ease);
    font-size: 15px;
    resize: vertical;
}
.form input::placeholder,
.form textarea::placeholder { color: var(--muted); }
.form input:focus,
.form textarea:focus {
    outline: none;
    border-color: var(--accent);
    background: rgba(255,255,255,.06);
}
.form .btn--primary { margin-top: 8px; }
.form__tg {
    display: block;
    text-align: center;
    margin-top: 16px;
    font-size: 14px;
    color: var(--ink-soft);
    transition: color .2s var(--ease);
}
.form__tg:hover { color: var(--accent); }

.btn--tg {
    background: linear-gradient(135deg, #0088cc, #229ED9);
    color: var(--white);
    padding: 18px 26px;
    font-size: 16px;
}
.btn--tg:hover {
    background: linear-gradient(135deg, #229ED9, #2BA5E0);
    transform: translateY(-2px);
    box-shadow: 0 16px 32px -10px rgba(34, 158, 217, .55);
}
.form__hint {
    text-align: center;
    margin-top: 14px;
    font-size: 13px;
    color: var(--muted);
}
.form__features {
    display: flex;
    justify-content: center;
    gap: 24px;
    margin-top: 20px;
    padding-top: 20px;
    border-top: 1px solid var(--line);
}
.form__feature {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: var(--ink-soft);
}
.form__feature-icon {
    font-size: 16px;
}

/* ====== FOOTER ====== */
.footer {
    background: var(--bg-soft);
    color: var(--ink-soft);
    padding: 80px 0 32px;
    border-top: 1px solid var(--line);
}
.footer__inner {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 48px;
    border-bottom: 1px solid var(--line);
}
.footer .logo { margin-bottom: 16px; }
.footer__about {
    font-size: 15px;
    max-width: 360px;
    line-height: 1.6;
}
.footer__col { display: flex; flex-direction: column; gap: 10px; }
.footer__title {
    color: var(--ink);
    font-weight: 600;
    margin-bottom: 8px;
    font-size: 15px;
}
.footer__col a {
    font-size: 14px;
    transition: color .2s var(--ease);
}
.footer__col a:hover { color: var(--accent); }
.footer__bottom {
    padding-top: 32px;
    font-size: 13px;
    color: var(--muted);
}

/* ====== HERO CARDS — документ + статистика ====== */
.hero__card {
    position: absolute;
    background: linear-gradient(160deg, var(--bg-card), var(--bg-soft));
    border: 1px solid var(--line-strong);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    backdrop-filter: blur(10px);
}
.hero__card--main {
    top: 40px; right: 0;
    width: 380px;
    padding: 28px;
    z-index: 3;
}
.hero__card--stat {
    bottom: 50px; left: 0;
    padding: 18px 22px;
    z-index: 4;
    background: linear-gradient(135deg, var(--accent-deep), var(--accent));
    border-color: var(--accent);
}

.doc__head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 18px;
}
.doc__title {
    font-family: 'Unbounded', sans-serif;
    font-size: 16px;
    font-weight: 600;
    color: var(--ink);
}
.doc__chip {
    background: rgba(201, 165, 116, .15);
    color: var(--accent);
    font-size: 11px;
    font-weight: 600;
    padding: 4px 10px;
    border-radius: 999px;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}
.doc__line {
    height: 1px;
    background: var(--line);
    margin-bottom: 18px;
}
.doc__row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 0;
    font-size: 13px;
}
.doc__label { color: var(--muted); }
.doc__value { color: var(--ink); font-weight: 600; }
.doc__value--ok { color: #6FCF97; }
.doc__progress {
    height: 6px;
    background: rgba(255,255,255,.06);
    border-radius: 999px;
    overflow: hidden;
    margin-top: 16px;
}
.doc__progress-bar {
    height: 100%;
    width: 75%;
    background: linear-gradient(90deg, var(--accent-deep), var(--accent-soft));
    border-radius: 999px;
    animation: progress 1.5s var(--ease) .5s both;
}
@keyframes progress {
    from { width: 0; }
    to { width: 75%; }
}

.stat-card {
    display: flex;
    align-items: center;
    gap: 14px;
    color: #0A0B0F;
}
.stat-card__icon {
    width: 40px; height: 40px;
    border-radius: 12px;
    background: rgba(255,255,255,.25);
    display: flex;
    align-items: center; justify-content: center;
    color: #0A0B0F;
}
.stat-card__num {
    font-family: 'Unbounded', sans-serif;
    font-size: 22px;
    font-weight: 700;
    line-height: 1;
}
.stat-card__sub {
    font-size: 12px;
    opacity: .7;
    margin-top: 2px;
}

.hero__chip__icon { color: #0A0B0F; }
.hero__chip__icon--green {
    background: linear-gradient(135deg, #6FCF97, #8BE0AB);
}

/* Декоративные орбы */
.hero__orb {
    position: absolute;
    border-radius: 50%;
    filter: blur(60px);
    opacity: .4;
    pointer-events: none;
}
.hero__orb--1 {
    width: 280px; height: 280px;
    top: -40px; right: -40px;
    background: var(--accent);
    z-index: 1;
}
.hero__orb--2 {
    width: 200px; height: 200px;
    bottom: -40px; left: 20px;
    background: var(--emerald);
    z-index: 1;
}

/* ====== ИЛЛЮСТРАЦИЯ "Здания" в секции преимуществ ====== */
.illustration {
    position: relative;
    height: 580px;
    border-radius: var(--radius);
    overflow: hidden;
    border: 1px solid var(--line-strong);
    background: linear-gradient(180deg, #1a2030 0%, #0c0f18 100%);
}
.illustration__sky {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at 30% 20%, rgba(201, 165, 116, .25), transparent 50%),
        radial-gradient(circle at 80% 60%, rgba(45, 59, 54, .4), transparent 50%);
}
.illustration__buildings {
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 70%;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    gap: 4px;
    padding: 0 30px;
}
.building {
    background: linear-gradient(180deg, #2a3142, #1a1f2c);
    border-top: 2px solid rgba(201, 165, 116, .3);
    position: relative;
    flex: 1;
    box-shadow: 0 -10px 40px rgba(0,0,0,.5);
}
.building::before {
    content: '';
    position: absolute;
    inset: 12px 8px;
    background-image:
        linear-gradient(rgba(201, 165, 116, .15) 50%, transparent 50%),
        linear-gradient(90deg, rgba(255,255,255,.04) 50%, transparent 50%);
    background-size: 100% 22px, 16px 100%;
    opacity: .8;
}
.building::after {
    content: '';
    position: absolute;
    inset: 12px 8px;
    background-image:
        radial-gradient(circle at 25% 15%, rgba(255, 220, 150, .8) 1px, transparent 2px),
        radial-gradient(circle at 75% 35%, rgba(255, 220, 150, .6) 1px, transparent 2px),
        radial-gradient(circle at 50% 60%, rgba(255, 220, 150, .7) 1px, transparent 2px),
        radial-gradient(circle at 25% 85%, rgba(255, 220, 150, .5) 1px, transparent 2px);
    background-size: 30px 30px;
}
.building--1 { height: 65%; }
.building--2 { height: 90%; }
.building--3 { height: 75%; }
.building--4 { height: 55%; }
.illustration__overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 40%, rgba(10, 11, 15, .85) 100%);
}
.illustration__badge {
    position: absolute;
    top: 32px; left: 32px;
    z-index: 2;
    background: rgba(21, 23, 31, 0.85);
    backdrop-filter: blur(12px);
    border: 1px solid var(--line-strong);
    border-radius: 16px;
    padding: 16px 20px;
    display: flex;
    align-items: center;
    gap: 14px;
}
.illustration__badge-num {
    font-family: 'Unbounded', sans-serif;
    font-size: 32px;
    font-weight: 700;
    background: linear-gradient(135deg, var(--accent), var(--accent-soft));
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    line-height: 1;
}
.illustration__badge-text {
    font-size: 12px;
    color: var(--ink-soft);
    line-height: 1.3;
}

/* ====== ЛОГОТИПЫ БАНКОВ — фирменные цвета ====== */
.bank__logo {
    width: 56px; height: 56px;
    border-radius: 14px;
    display: flex;
    align-items: center; justify-content: center;
    flex-shrink: 0;
    font-family: 'Unbounded', sans-serif;
    font-weight: 700;
    color: #fff;
    font-size: 20px;
    letter-spacing: -0.02em;
    box-shadow: 0 8px 20px -8px rgba(0,0,0,.5);
    position: relative;
    overflow: hidden;
}
.bank__logo::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(255,255,255,.15), transparent 50%);
    pointer-events: none;
}
.bank__logo--alfa { background: linear-gradient(135deg, #EF3124, #C81E14); }
.bank__logo--fora { background: linear-gradient(135deg, #1B4789, #0F2E5C); }
.bank__logo--psb { background: linear-gradient(135deg, #FF6F00, #E55A00); font-size: 14px; }
.bank__logo--mts { background: linear-gradient(135deg, #E30613, #B30410); font-size: 14px; }
.bank__logo--vtb { background: linear-gradient(135deg, #009FDF, #0072B0); font-size: 14px; }
.bank__logo--akbars { background: linear-gradient(135deg, #2E7D32, #1B5E20); font-size: 16px; }
.bank__logo--loko { background: linear-gradient(135deg, #00A859, #008347); }
.bank__logo--gpb { background: linear-gradient(135deg, #0077C8, #005899); font-size: 14px; }
.bank__logo--uralsib { background: linear-gradient(135deg, #4A148C, #311B92); }

/* ====== ANIMATIONS ====== */
.fade-in {
    opacity: 0;
    transform: translateY(20px);
    animation: fadeIn .9s var(--ease) forwards;
}
.fade-in:nth-child(1) { animation-delay: .1s; }
.fade-in:nth-child(2) { animation-delay: .2s; }
.fade-in:nth-child(3) { animation-delay: .3s; }
.fade-in:nth-child(4) { animation-delay: .4s; }
.fade-in:nth-child(5) { animation-delay: .5s; }

@keyframes fadeIn {
    to { opacity: 1; transform: translateY(0); }
}

.reveal {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity .8s var(--ease), transform .8s var(--ease);
}
.reveal.is-visible { opacity: 1; transform: translateY(0); }

/* ====== HERO VISUAL — карточки и документ ====== */
.hero__card {
    position: absolute;
    background: linear-gradient(160deg, var(--bg-card), var(--bg-elevated));
    border: 1px solid var(--line-strong);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    backdrop-filter: blur(10px);
}
.hero__card--main {
    width: 78%;
    top: 40px;
    right: 0;
    z-index: 2;
    padding: 28px;
}
.hero__card--stat {
    bottom: 40px;
    left: 0;
    z-index: 4;
    padding: 18px 22px;
}

.doc__head {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 16px;
}
.doc__title {
    font-family: 'Unbounded', sans-serif;
    font-size: 16px;
    font-weight: 600;
    color: var(--ink);
}
.doc__chip {
    background: rgba(201, 165, 116, .15);
    color: var(--accent);
    padding: 4px 10px;
    border-radius: 999px;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}
.doc__line {
    height: 1px;
    background: var(--line);
    margin-bottom: 16px;
}
.doc__row {
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
    font-size: 14px;
}
.doc__label {
    color: var(--muted);
}
.doc__value {
    color: var(--ink);
    font-weight: 500;
}
.doc__value--ok {
    color: #6BCB7A;
}
.doc__progress {
    margin-top: 16px;
    height: 6px;
    background: rgba(255,255,255,.05);
    border-radius: 999px;
    overflow: hidden;
}
.doc__progress-bar {
    height: 100%;
    width: 75%;
    background: linear-gradient(90deg, var(--accent-deep), var(--accent-soft));
    border-radius: 999px;
    box-shadow: 0 0 12px rgba(201, 165, 116, .5);
}

.stat-card {
    display: flex;
    align-items: center;
    gap: 14px;
}
.stat-card__icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    background: linear-gradient(135deg, var(--accent), var(--accent-soft));
    color: #0A0B0F;
    display: flex;
    align-items: center;
    justify-content: center;
}
.stat-card__num {
    font-family: 'Unbounded', sans-serif;
    font-size: 22px;
    font-weight: 700;
    color: var(--ink);
    letter-spacing: -0.02em;
}
.stat-card__sub {
    font-size: 12px;
    color: var(--muted);
}

.hero__chip__icon--green {
    background: linear-gradient(135deg, #4FBF6F, #6BCB7A);
    color: #0A0B0F;
}

.hero__orb {
    position: absolute;
    border-radius: 50%;
    filter: blur(60px);
    pointer-events: none;
    z-index: 1;
}
.hero__orb--1 {
    width: 200px;
    height: 200px;
    background: rgba(201, 165, 116, .25);
    top: -40px;
    right: -40px;
}
.hero__orb--2 {
    width: 180px;
    height: 180px;
    background: rgba(45, 80, 70, .35);
    bottom: -40px;
    left: -40px;
}

/* ====== ИЛЛЮСТРАЦИЯ — стилизованная сцена ====== */
.illustration {
    position: relative;
    height: 580px;
    border-radius: var(--radius);
    overflow: hidden;
    background: linear-gradient(180deg, #1A2330 0%, #0F1620 100%);
    border: 1px solid var(--line);
}
.illustration__sky {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at 70% 25%, rgba(201, 165, 116, .25), transparent 50%),
        radial-gradient(circle at 30% 60%, rgba(45, 80, 70, .35), transparent 50%);
}
.illustration__sky::before {
    content: '';
    position: absolute;
    width: 80px;
    height: 80px;
    border-radius: 50%;
    top: 60px;
    right: 80px;
    background: radial-gradient(circle, rgba(226, 197, 148, .8), rgba(201, 165, 116, .2));
    filter: blur(2px);
    box-shadow: 0 0 60px rgba(201, 165, 116, .6);
}
.illustration__buildings {
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 65%;
    display: flex;
    align-items: flex-end;
    gap: 8px;
    padding: 0 8%;
}
.building {
    flex: 1;
    background: linear-gradient(180deg, #2A3441, #15191F);
    border-radius: 8px 8px 0 0;
    border: 1px solid var(--line);
    border-bottom: none;
    position: relative;
    overflow: hidden;
}
.building::before {
    content: '';
    position: absolute;
    inset: 12px 8px;
    background-image:
        linear-gradient(rgba(201, 165, 116, .15) 1px, transparent 1px),
        linear-gradient(90deg, rgba(201, 165, 116, .15) 1px, transparent 1px);
    background-size: 12px 16px;
}
.building::after {
    content: '';
    position: absolute;
    inset: 12px 8px;
    background-image:
        radial-gradient(circle at 20% 30%, rgba(226, 197, 148, .9) 1.5px, transparent 2px),
        radial-gradient(circle at 60% 50%, rgba(226, 197, 148, .7) 1.5px, transparent 2px),
        radial-gradient(circle at 40% 75%, rgba(226, 197, 148, .8) 1.5px, transparent 2px),
        radial-gradient(circle at 80% 20%, rgba(226, 197, 148, .6) 1.5px, transparent 2px);
}
.building--1 { height: 70%; }
.building--2 { height: 90%; }
.building--3 { height: 60%; }
.building--4 { height: 80%; }

.illustration__overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 40%, rgba(10, 11, 15, .85));
}
.illustration__badge {
    position: absolute;
    top: 32px;
    left: 32px;
    background: rgba(21, 23, 31, 0.9);
    backdrop-filter: blur(12px);
    border: 1px solid var(--line-strong);
    border-radius: 14px;
    padding: 16px 20px;
    z-index: 2;
}
.illustration__badge-num {
    font-family: 'Unbounded', sans-serif;
    font-size: 32px;
    font-weight: 700;
    color: var(--accent);
    line-height: 1;
    margin-bottom: 4px;
    letter-spacing: -0.02em;
}
.illustration__badge-text {
    font-size: 12px;
    color: var(--ink-soft);
    line-height: 1.3;
}
.advantages__caption {
    position: absolute;
    bottom: 32px;
    left: 32px;
    right: 32px;
    z-index: 2;
    color: var(--white);
}
.advantages__caption-title {
    font-family: 'Unbounded', sans-serif;
    font-size: 22px;
    font-weight: 600;
    margin-bottom: 8px;
}
.advantages__caption-sub {
    font-size: 14px;
    opacity: .8;
}

/* ====== BANK LOGOS — фирменные цвета ====== */
.bank__logo {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-family: 'Unbounded', sans-serif;
    font-weight: 700;
    color: var(--white);
    letter-spacing: -0.02em;
    box-shadow: 0 4px 16px -6px rgba(0,0,0,.5);
}
.bank__logo--alfa {
    background: linear-gradient(135deg, #EF3124, #D11A1A);
    font-size: 26px;
}
.bank__logo--fora {
    background: linear-gradient(135deg, #1B4DA8, #0E3473);
    font-size: 26px;
}
.bank__logo--psb {
    background: linear-gradient(135deg, #F58220, #D86E1A);
    font-size: 16px;
}
.bank__logo--mts {
    background: linear-gradient(135deg, #E30613, #B30410);
    font-size: 14px;
}
.bank__logo--vtb {
    background: linear-gradient(135deg, #009FDF, #0073A8);
    font-size: 14px;
}
.bank__logo--akbars {
    background: linear-gradient(135deg, #1A8C3D, #0E5C28);
    font-size: 18px;
}
.bank__logo--loko {
    background: linear-gradient(135deg, #2A2A2A, #0F0F0F);
    font-size: 26px;
    border: 1px solid rgba(255,255,255,.1);
}
.bank__logo--gpb {
    background: linear-gradient(135deg, #0079C2, #004B85);
    font-size: 16px;
}
.bank__logo--uralsib {
    background: linear-gradient(135deg, #00A451, #007A3D);
    font-size: 26px;
}
@media (max-width: 1024px) {
    .hero__inner { grid-template-columns: 1fr; gap: 48px; }
    .hero__visual { height: 420px; max-width: 600px; margin: 0 auto; }
    .advantages { grid-template-columns: 1fr; gap: 40px; }
    .advantages__visual { height: 360px; }
    .stages,
    .banks-grid,
    .reviews { grid-template-columns: repeat(2, 1fr); }
    .cta { grid-template-columns: 1fr; padding: 48px 32px; gap: 32px; }
    .footer__inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 720px) {
    .nav { display: none; }
    .nav.is-open {
        display: flex;
        flex-direction: column;
        position: absolute;
        top: 72px; left: 0; right: 0;
        background: var(--bg);
        border-bottom: 1px solid var(--line);
        padding: 24px;
        gap: 18px;
    }
    .header__cta { display: none; }
    .burger { display: flex; }
    .hero { padding: 50px 0 80px; }
    .hero__visual { display: none; }
    .hero__inner { grid-template-columns: 1fr; }
    .hero__stats { grid-template-columns: 1fr; gap: 16px; padding-top: 24px; }
    .section { padding: 70px 0; }
    .section__head { margin-bottom: 40px; }
    .stages,
    .banks-grid,
    .reviews { grid-template-columns: 1fr; }
    .footer__inner { grid-template-columns: 1fr; gap: 32px; }
    .cta { padding: 40px 24px; }
}