/* ============================================
   РОСФИНКРЕД — Premium Dark Theme
   ============================================ */

/* --- CSS Variables --- */
:root {
  /* Dark palette (strong contrast) */
  --bg-darkest: #0f1623;
  --bg-dark: #151d2e;
  --bg-card: #1c2840;
  --bg-card-hover: #243352;
  --bg-elevated: #1e2f4d;

  /* Gold accent */
  --gold: #c9a24d;
  --gold-light: #dbb866;
  --gold-dark: #a8832e;
  --gold-glow: rgba(201, 162, 77, 0.15);
  --gold-glow-strong: rgba(201, 162, 77, 0.3);
  --gold-gradient: linear-gradient(135deg, #dbb866 0%, #c9a24d 50%, #a8832e 100%);

  /* Text */
  --text-white: #f1f5f9;
  --text-primary: #e2e8f0;
  --text-secondary: #94a3b8;
  --text-muted: #64748b;
  --text-dark: #1e293b;

  /* Functional */
  --primary: #c43030;
  --primary-dark: #a82525;
  --success: #10b981;
  --success-light: rgba(16, 185, 129, 0.15);
  --danger: #ef4444;
  --danger-light: rgba(239, 68, 68, 0.15);

  /* Borders */
  --border: rgba(255, 255, 255, 0.12);
  --border-gold: rgba(201, 162, 77, 0.4);

  /* Misc */
  --radius: 12px;
  --radius-sm: 8px;
  --radius-lg: 20px;
  --shadow: 0 2px 8px rgba(0,0,0,0.3);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.4);
  --shadow-lg: 0 8px 30px rgba(0,0,0,0.5);
  --shadow-gold: 0 4px 20px rgba(201, 162, 77, 0.2);
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--text-primary);
  background: var(--bg-darkest);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea { font-family: inherit; font-size: inherit; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

.section-title {
  font-size: 2rem;
  font-weight: 800;
  text-align: center;
  margin-bottom: 0.5rem;
  color: var(--text-white);
}

.section-subtitle {
  text-align: center;
  color: var(--text-secondary);
  font-size: 1.1rem;
  margin-bottom: 3rem;
}

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.95rem;
  transition: var(--transition);
  white-space: nowrap;
}

.btn--primary {
  background: var(--gold-gradient);
  color: var(--text-dark);
  border: none;
}
.btn--primary:hover {
  box-shadow: var(--shadow-gold);
  transform: translateY(-2px);
  filter: brightness(1.1);
}

.btn--outline {
  border: 2px solid var(--gold);
  color: var(--gold);
  background: transparent;
}
.btn--outline:hover {
  background: var(--gold-glow);
}

.btn--gold {
  background: var(--gold-gradient);
  color: var(--text-dark);
  font-weight: 700;
  border: none;
}
.btn--gold:hover {
  box-shadow: var(--shadow-gold);
  transform: translateY(-2px);
  filter: brightness(1.1);
}

.btn--large {
  padding: 16px 36px;
  font-size: 1.05rem;
  border-radius: var(--radius);
}

/* --- HEADER --- */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(17, 24, 39, 0.92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
}

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.header__logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.3rem;
  color: var(--gold);
  margin-left: -12px;
}

.header__logo-img {
  height: 192px;
  width: auto;
}

.header__logo-fallback {
  display: flex;
  align-items: center;
  gap: 10px;
}

.header__logo-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background: var(--gold-gradient);
  color: var(--text-dark);
  border-radius: var(--radius-sm);
  font-size: 1.2rem;
  font-weight: 700;
}

.header__right {
  display: flex;
  align-items: center;
  gap: 24px;
}

.header__phone {
  font-weight: 600;
  color: var(--text-primary);
  font-size: 1.05rem;
}
.header__phone:hover { color: var(--gold); }

.header__burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 4px;
}
.header__burger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text-primary);
  border-radius: 2px;
  transition: var(--transition);
}

/* --- HERO --- */
.hero {
  padding: 140px 0 100px;
  background: var(--bg-darkest);
  position: relative;
  overflow: hidden;
}

/* Subtle radial glow behind hero */
.hero::before {
  content: '';
  position: absolute;
  top: -20%;
  left: 50%;
  transform: translateX(-50%);
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(201, 162, 77, 0.08) 0%, transparent 70%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold-dark), transparent);
  opacity: 0.4;
}

.hero__inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  position: relative;
  z-index: 1;
}

.hero__title {
  font-size: 3.2rem;
  font-weight: 800;
  line-height: 1.12;
  margin-bottom: 1.25rem;
  color: var(--text-white);
  letter-spacing: -0.02em;
}

.hero__highlight {
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero__subtitle {
  font-size: 1.15rem;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 2.5rem;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

.hero__actions {
  display: flex;
  gap: 16px;
  margin-bottom: 3.5rem;
  flex-wrap: wrap;
  justify-content: center;
}

.hero__stats {
  display: flex;
  gap: 48px;
  justify-content: center;
}

.hero__stat {
  display: flex;
  flex-direction: column;
  position: relative;
}

.hero__stat::after {
  content: '';
  position: absolute;
  right: -24px;
  top: 4px;
  bottom: 4px;
  width: 1px;
  background: var(--border);
}
.hero__stat:last-child::after { display: none; }

.hero__stat-value {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--gold);
}

.hero__stat-label {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-top: 2px;
}

.hero__visual {
  display: flex;
  justify-content: center;
}

.hero__card {
  background: var(--bg-card);
  border-radius: var(--radius-lg);
  padding: 36px;
  border: 1px solid var(--border-gold);
  box-shadow: var(--shadow-gold), var(--shadow-lg);
  width: 100%;
  max-width: 420px;
  position: relative;
}

/* Subtle gold shimmer top border */
.hero__card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 20%;
  right: 20%;
  height: 2px;
  background: var(--gold-gradient);
  border-radius: 2px;
}

.hero__card-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 0;
  font-size: 0.95rem;
  color: var(--text-secondary);
}

.hero__card-old {
  font-weight: 700;
  color: var(--danger);
  font-size: 1.3rem;
  text-decoration: line-through;
  opacity: 0.9;
}

.hero__card-new {
  font-weight: 700;
  color: var(--gold-light);
  font-size: 1.5rem;
}

.hero__card-arrow {
  text-align: center;
  font-size: 1.5rem;
  color: var(--gold);
  padding: 8px 0;
}

.hero__card-savings {
  margin-top: 20px;
  padding: 14px;
  background: var(--success-light);
  border: 1px solid rgba(16, 185, 129, 0.2);
  border-radius: var(--radius-sm);
  text-align: center;
  color: var(--success);
  font-weight: 600;
  font-size: 0.95rem;
}

/* --- ADVANTAGES --- */
.advantages {
  padding: 100px 0;
  background: var(--bg-dark);
}

.advantages__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 2.5rem;
}

.advantage-card {
  background: var(--bg-card);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: center;
  transition: var(--transition);
  box-shadow: 0 2px 12px rgba(0,0,0,0.3);
}
.advantage-card:hover {
  transform: translateY(-4px);
  border-color: var(--border-gold);
  box-shadow: 0 8px 30px rgba(201, 162, 77, 0.15);
}

.advantage-card__icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gold-glow);
  border-radius: 50%;
  color: var(--gold);
}

.advantage-card__title {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text-white);
}

.advantage-card__text {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

/* --- HOW IT WORKS --- */
.how-it-works {
  padding: 100px 0;
  background: var(--bg-darkest);
  position: relative;
}

.how-it-works::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.06), transparent);
}

.steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
  margin-top: 2.5rem;
}

.step-card {
  text-align: center;
  flex: 1;
  max-width: 240px;
  padding: 0 16px;
}

.step-card__number {
  width: 56px;
  height: 56px;
  margin: 0 auto 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gold-gradient);
  color: var(--text-dark);
  border-radius: 50%;
  font-size: 1.3rem;
  font-weight: 700;
  box-shadow: var(--shadow-gold);
}

.step-card__title {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--text-white);
}

.step-card__text {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

.steps__connector {
  width: 60px;
  height: 2px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold-glow));
  margin-top: 28px;
  flex-shrink: 0;
  opacity: 0.5;
}

/* --- CALCULATOR --- */
.calculator {
  padding: 100px 0;
  background: var(--bg-dark);
}

.calculator__body {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
  background: var(--bg-card);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-lg);
  padding: 44px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.4);
}

.calculator__field {
  margin-bottom: 32px;
}

.calculator__label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 600;
  margin-bottom: 12px;
  font-size: 0.95rem;
  color: var(--text-primary);
}

.calculator__value {
  color: var(--gold);
  font-weight: 700;
  font-size: 1.1rem;
}

.calculator__range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: var(--bg-elevated);
  outline: none;
  transition: var(--transition);
}

.calculator__range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--gold-gradient);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(201, 162, 77, 0.4);
  transition: var(--transition);
}
.calculator__range::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  box-shadow: 0 2px 16px rgba(201, 162, 77, 0.5);
}

.calculator__range::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border: none;
  border-radius: 50%;
  background: var(--gold-gradient);
  cursor: pointer;
}

.calculator__range-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 8px;
  font-size: 0.8rem;
  color: var(--text-muted);
}

.calculator__rate {
  color: var(--text-secondary);
  font-size: 0.95rem;
}
.calculator__rate strong {
  color: var(--gold);
}

.calculator__result {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  background: var(--bg-elevated);
  border: 1px solid var(--border-gold);
  border-radius: var(--radius);
  padding: 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

/* Subtle gold top line */
.calculator__result::before {
  content: '';
  position: absolute;
  top: 0;
  left: 15%;
  right: 15%;
  height: 2px;
  background: var(--gold-gradient);
}

.calculator__result-label {
  font-size: 0.95rem;
  color: var(--text-secondary);
  margin-bottom: 8px;
}

.calculator__result-value {
  font-size: 2.8rem;
  font-weight: 800;
  margin-bottom: 4px;
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.calculator__result-sub {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin-bottom: 24px;
}

.calculator__cta {
  background: var(--gold-gradient);
  color: var(--text-dark);
  font-weight: 700;
}
.calculator__cta:hover {
  filter: brightness(1.1);
  transform: translateY(-1px);
  box-shadow: var(--shadow-gold);
}

/* --- FEATURES --- */
.features {
  padding: 100px 0;
  background: var(--bg-darkest);
  position: relative;
}

.features::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.06), transparent);
}

.features__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 2.5rem;
}

.feature-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 28px;
  background: var(--bg-card);
  border-radius: var(--radius);
  border: 1px solid rgba(255,255,255,0.15);
  transition: var(--transition);
  box-shadow: 0 2px 12px rgba(0,0,0,0.3);
}
.feature-item:hover {
  border-color: var(--border-gold);
  box-shadow: 0 4px 20px rgba(201, 162, 77, 0.12);
}

.feature-item__icon {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gold-glow);
  color: var(--gold);
  border-radius: 50%;
  font-weight: 700;
  flex-shrink: 0;
  font-size: 1.1rem;
}

.feature-item__title {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 4px;
  color: var(--text-white);
}

.feature-item__text {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

/* --- MODAL --- */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(0, 0, 0, 0.7);
  backdrop-filter: blur(4px);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  overflow-y: auto;
}
.modal {
  background: var(--bg-dark);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-lg);
  width: 100%;
  max-width: 640px;
  max-height: 90vh;
  overflow-y: auto;
  padding: 40px 32px;
  position: relative;
  animation: modalIn 0.3s ease;
}
@keyframes modalIn {
  from { opacity: 0; transform: scale(0.95) translateY(20px); }
  to { opacity: 1; transform: scale(1) translateY(0); }
}
.modal__close {
  position: absolute;
  top: 16px;
  right: 16px;
  background: none;
  border: none;
  color: var(--text-secondary);
  font-size: 28px;
  cursor: pointer;
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  transition: var(--transition);
}
.modal__close:hover {
  background: rgba(255,255,255,0.1);
  color: var(--text-white);
}
.modal__title {
  text-align: center;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--text-white);
  margin-bottom: 8px;
}
.modal__subtitle {
  text-align: center;
  color: var(--text-secondary);
  margin-bottom: 24px;
}
body.modal-open {
  overflow: hidden;
}

/* --- FORM TABS --- */
.form-tabs {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-bottom: 32px;
}
.form-tabs__btn {
  padding: 12px 24px;
  border: 2px solid var(--border);
  background: transparent;
  color: var(--text-secondary);
  font-size: 0.9rem;
  font-weight: 600;
  border-radius: var(--radius);
  cursor: pointer;
  transition: var(--transition);
  flex: 1;
}
.form-tabs__btn:hover {
  border-color: var(--gold);
  color: var(--gold);
}
.form-tabs__btn.active {
  background: var(--gold-gradient);
  color: var(--text-dark);
  border-color: transparent;
  box-shadow: var(--shadow-gold);
}

/* --- WIZARD (dark theme) --- */
.wizard {
  max-width: 640px;
  margin: 0 auto;
  background: var(--bg-card);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.5);
  color: var(--text-primary);
  border: 1px solid var(--border);
}

.wizard__progress {
  margin-bottom: 32px;
}

.wizard__progress-bar {
  height: 6px;
  background: rgba(255,255,255,0.1);
  border-radius: 3px;
  overflow: hidden;
  position: relative;
}
.wizard__progress-bar::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  height: 100%;
  width: var(--progress, 14.28%);
  background: var(--gold-gradient);
  border-radius: 3px;
  transition: width 0.5s ease;
}

.wizard__progress-text {
  text-align: center;
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-top: 8px;
}

/* Steps visibility */
.wizard__step {
  display: none;
  animation: fadeInUp 0.4s ease;
}
.wizard__step.active {
  display: block;
}

@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(16px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.wizard__question {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 24px;
  line-height: 1.5;
  color: var(--text-white);
}

/* Option buttons */
.wizard__options {
  display: flex;
  gap: 12px;
  margin-bottom: 24px;
}

.wizard__options--vertical {
  flex-direction: column;
}

.wizard__option-btn {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 20px;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-weight: 500;
  color: var(--text-primary);
  background: transparent;
  transition: var(--transition);
  width: 100%;
  text-align: left;
}
.wizard__option-btn:hover {
  border-color: var(--gold);
  background: var(--gold-glow);
}
.wizard__option-btn.selected {
  border-color: var(--gold);
  background: var(--gold-glow);
  color: var(--gold-light);
  font-weight: 600;
}

.wizard__option-btn--choice {
  justify-content: center;
  text-align: center;
  flex: 1;
  font-weight: 600;
}

.wizard__option-btn--secondary {
  border-color: var(--border);
  color: var(--text-secondary);
  font-weight: 500;
  font-size: 0.95rem;
}

.wizard__option-radio {
  width: 20px;
  height: 20px;
  border: 2px solid var(--border);
  border-radius: 50%;
  flex-shrink: 0;
  position: relative;
  transition: var(--transition);
}
.selected .wizard__option-radio {
  border-color: var(--gold);
}
.selected .wizard__option-radio::after {
  content: '';
  position: absolute;
  top: 3px;
  left: 3px;
  width: 10px;
  height: 10px;
  background: var(--gold);
  border-radius: 50%;
}

/* Wizard buttons overrides (dark theme) */
.wizard .btn--primary {
  background: var(--gold-gradient);
  color: var(--text-dark);
}
.wizard .btn--outline {
  border-color: var(--border);
  color: var(--text-secondary);
}
.wizard .btn--outline:hover {
  background: rgba(255,255,255,0.05);
  border-color: var(--gold);
  color: var(--gold);
}

/* Input fields */
.wizard__input-group {
  margin-bottom: 24px;
}

.wizard__input-label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin-bottom: 8px;
  color: var(--text-secondary);
}

.wizard__input-wrapper {
  position: relative;
  display: flex;
  align-items: center;
}

.wizard__input {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 1rem;
  color: var(--text-primary);
  transition: var(--transition);
  outline: none;
  background: var(--bg-elevated);
}
.wizard__input:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201, 162, 77, 0.15);
}
.wizard__input::placeholder {
  color: var(--text-muted);
}

.wizard__input--with-prefix {
  padding-left: 36px;
}

.wizard__input-prefix {
  position: absolute;
  left: 14px;
  color: var(--text-muted);
  font-weight: 600;
  z-index: 1;
}

.wizard__input-suffix {
  position: absolute;
  right: 14px;
  color: var(--text-muted);
  font-size: 0.9rem;
}

.wizard__select {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 1rem;
  color: var(--text-primary);
  background: var(--bg-elevated);
  outline: none;
  transition: var(--transition);
  cursor: pointer;
  -webkit-appearance: none;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%2394a3b8' d='M6 8.825L.35 3.175l.7-.7L6 7.425l4.95-4.95.7.7z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 40px;
}
.wizard__select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201, 162, 77, 0.15);
}

/* Form fields */
.wizard__form {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-bottom: 28px;
}

.wizard__form-field--checkbox {
  margin-top: 4px;
}

.wizard__checkbox {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.4;
}
.wizard__checkbox input {
  display: none;
}
.wizard__checkbox-mark {
  width: 20px;
  height: 20px;
  border: 2px solid var(--border);
  border-radius: 4px;
  flex-shrink: 0;
  position: relative;
  transition: var(--transition);
  margin-top: 1px;
}
.wizard__checkbox input:checked + .wizard__checkbox-mark {
  background: var(--gold);
  border-color: var(--gold);
}
.wizard__checkbox input:checked + .wizard__checkbox-mark::after {
  content: '';
  position: absolute;
  top: 2px;
  left: 6px;
  width: 5px;
  height: 10px;
  border: solid #fff;
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}
.wizard__checkbox-text a {
  color: var(--gold-dark);
  text-decoration: underline;
}

/* Navigation */
.wizard__nav {
  display: flex;
  justify-content: space-between;
  gap: 12px;
}

.wizard__back--center {
  display: block;
  margin: 0 auto;
}

/* Stop screens */
.wizard__stop {
  text-align: center;
  padding: 20px 0;
}

.wizard__stop-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--danger-light);
  color: var(--danger);
  border-radius: 50%;
  font-size: 1.5rem;
  font-weight: 700;
}

.wizard__stop-title {
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--text-white);
}

.wizard__stop-text {
  color: var(--text-secondary);
  margin-bottom: 24px;
  line-height: 1.6;
}

/* Approval badge */
.wizard__approval {
  text-align: center;
  margin-bottom: 28px;
  padding: 24px;
  background: rgba(16, 185, 129, 0.08);
  border: 1px solid rgba(16, 185, 129, 0.2);
  border-radius: var(--radius);
}

.wizard__approval-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.95rem;
  color: var(--success);
  font-weight: 500;
  margin-bottom: 8px;
}

.wizard__approval-icon {
  width: 24px;
  height: 24px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--success);
  color: #fff;
  border-radius: 50%;
  font-size: 0.8rem;
}

.wizard__approval-value {
  font-size: 3rem;
  font-weight: 800;
  color: var(--success);
}

/* Success screen */
.wizard__success {
  text-align: center;
  padding: 20px 0;
}

.wizard__success-icon {
  width: 80px;
  height: 80px;
  margin: 0 auto 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(16, 185, 129, 0.1);
  color: var(--success);
  border-radius: 50%;
  font-size: 2rem;
  font-weight: 700;
}

.wizard__success-title {
  font-size: 1.5rem;
  font-weight: 800;
  margin-bottom: 12px;
  color: var(--text-white);
}

.wizard__success-text {
  color: var(--text-secondary);
  margin-bottom: 28px;
  font-size: 1.05rem;
  line-height: 1.6;
}

.wizard__success-btn {
  background: #0088cc;
  color: #fff;
  padding: 16px 32px;
  font-size: 1.05rem;
}
.wizard__success-btn:hover {
  background: #006699;
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

/* --- FOOTER --- */
.footer {
  padding: 48px 0;
  background: var(--bg-darkest);
  border-top: 1px solid var(--border);
}

.footer__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 20px;
}

.footer__logo {
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--gold);
}

.footer__logo-img {
  height: 176px;
  width: auto;
  margin-bottom: 8px;
}

.footer__address {
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-top: 4px;
}

.footer__phone {
  color: var(--text-primary);
  font-weight: 600;
  font-size: 1.1rem;
}
.footer__phone:hover { color: var(--gold); }

.footer__legal {
  text-align: right;
}

.footer__link {
  font-size: 0.85rem;
  color: var(--text-muted);
  display: block;
  margin-bottom: 4px;
}
.footer__link:hover { color: var(--gold); }

.footer__copy {
  font-size: 0.8rem;
  color: var(--text-muted);
  opacity: 0.6;
}

/* --- SCROLL ANIMATIONS --- */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================
   RESPONSIVE
   ============================================ */

@media (max-width: 1024px) {
  .hero__stat::after { display: none; }

  .advantages__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .calculator__body {
    grid-template-columns: 1fr;
  }

  .features__grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  .section-title { font-size: 1.6rem; }

  .header__right { display: none; }
  .header__burger { display: flex; }

  /* Mobile menu */
  .header__right.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--bg-dark);
    padding: 20px;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-lg);
    gap: 16px;
    animation: fadeInUp 0.3s ease;
  }

  .hero {
    padding: 100px 0 60px;
  }
  .hero__title { font-size: 2.2rem; }
  .hero__stats { gap: 24px; }

  .steps {
    flex-direction: column;
    align-items: center;
    gap: 24px;
  }
  .steps__connector {
    width: 2px;
    height: 30px;
    margin: 0;
  }

  .advantages__grid {
    grid-template-columns: 1fr;
  }

  .wizard {
    padding: 24px 16px;
    border-radius: var(--radius);
  }

  .wizard__options:not(.wizard__options--vertical) {
    flex-direction: column;
  }

  .footer__inner {
    flex-direction: column;
    text-align: center;
  }
  .footer__legal { text-align: center; }
}

@media (max-width: 480px) {
  .hero__title { font-size: 1.8rem; }
  .hero__actions { flex-direction: column; }
  .hero__actions .btn { width: 100%; }
  .hero__stats { flex-wrap: wrap; justify-content: center; }

  .calculator__body { padding: 24px 16px; }
  .calculator__result { padding: 24px; }
  .calculator__result-value { font-size: 2.2rem; }
}