/* ============================================================
   ВОЕННАЯ СЛУЖБА ПО КОНТРАКТУ - ЛЕНДИНГ
   Тёмная военная тема, акцент - золото #c9a016
   ============================================================ */

:root {
  --bg-darkest:  #050810;
  --bg-dark:     #080c16;
  --bg-card:     #0e1525;
  --bg-card2:    #121b2e;
  --bg-input:    #0b1220;
  --gold:        #2563eb;
  --gold-light:  #60a5fa;
  --gold-dim:    rgba(37,99,235,0.10);
  --gold-border: rgba(37,99,235,0.28);
  --text:        #e8eaf0;
  --text-muted:  #8b95a8;
  --text-dim:    #5a6070;
  --red:         #d95454;
  --red-dim:     rgba(217,84,84,0.10);
  --green:       #45a070;
  --green-dim:   rgba(69,160,112,0.10);
  --radius:      10px;
  --radius-lg:   16px;
  --shadow:      0 4px 24px rgba(0,0,0,0.5);
  --transition:  0.22s ease;
  --max-w:       1160px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

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

body {
  background: var(--bg-darkest);
  color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--gold); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold-light); }

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

/* ---- СВЕТЛАЯ ТЕМА ---- */
body.light {
  --bg-darkest:  #f0f4f8;
  --bg-dark:     #e8edf4;
  --bg-card:     #ffffff;
  --bg-card2:    #f5f7fa;
  --bg-input:    #ffffff;
  --text:        #1a2236;
  --text-muted:  #4a5568;
  --text-dim:    #94a3b8;
  --red-dim:     rgba(217,84,84,0.07);
  --green-dim:   rgba(69,160,112,0.08);
}
body.light #header {
  background: rgba(240,244,248,0.95);
  border-bottom-color: rgba(37,99,235,0.15);
}
body.light .hero-bg {
  background:
    radial-gradient(ellipse 80% 60% at 60% 40%, rgba(37,99,235,0.06) 0%, transparent 70%),
    linear-gradient(160deg, #dde8f5 0%, #edf2f8 100%);
}
body.light .hero-slider-overlay {
  background: linear-gradient(
    to right,
    rgba(237,242,248,0.82) 0%,
    rgba(237,242,248,0.45) 38%,
    rgba(237,242,248,0.08) 70%,
    transparent 100%
  );
}
body.light #calculator {
  background: linear-gradient(160deg, #e4ecf6 0%, #edf2f8 100%);
}
body.light #contact {
  background: linear-gradient(160deg, #dde8f5 0%, #edf2f8 100%);
}
body.light footer {
  background: #d8e2ef;
  border-top-color: rgba(37,99,235,0.12);
}
body.light .popup-box { background: #ffffff; }

/* ---- КНОПКА ПЕРЕКЛЮЧЕНИЯ ТЕМЫ ---- */
.theme-toggle {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--gold-dim);
  border: 1px solid var(--gold-border);
  color: var(--gold);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
  flex-shrink: 0;
}
.theme-toggle:hover {
  background: var(--gold);
  color: #fff;
  border-color: var(--gold);
}

/* ---- LAYOUT ---- */
.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }
.section    { padding: 80px 0; }
.section-sm { padding: 56px 0; }

.section-label {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid var(--gold-border);
  padding: 4px 12px;
  border-radius: 4px;
  margin-bottom: 18px;
}

.section-title {
  font-size: clamp(24px, 3.5vw, 38px);
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 16px;
}

.section-sub {
  color: var(--text-muted);
  font-size: 17px;
  max-width: 640px;
  margin-bottom: 48px;
}

/* ---- BUTTONS ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  border: none;
  transition: var(--transition);
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--gold);
  color: #fff;
}
.btn-primary:hover {
  background: var(--gold-light);
  color: #fff;
  transform: translateY(-1px);
  box-shadow: 0 6px 24px rgba(201,160,22,0.35);
}

.btn-outline {
  background: transparent;
  color: var(--gold);
  border: 1.5px solid var(--gold-border);
}
.btn-outline:hover {
  background: var(--gold-dim);
  border-color: var(--gold);
  color: var(--gold-light);
}

.btn-lg { padding: 17px 36px; font-size: 16px; }
.btn-full { width: 100%; justify-content: center; }

/* ---- CARDS ---- */
.card {
  background: var(--bg-card);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: var(--transition);
}
.card:hover {
  border-color: var(--gold);
  background: var(--bg-card2);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}

/* ---- PLACEHOLDER IMAGE ---- */
.img-ph {
  background: linear-gradient(135deg, #0e1a2e 0%, #060d18 100%);
  border: 1px dashed rgba(201,160,22,0.3);
  border-radius: var(--radius);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  color: var(--text-dim);
  font-size: 12px;
  text-align: center;
  padding: 20px;
}
.img-ph svg { opacity: .3; }
.img-ph span { opacity: .6; }

/* ============================================================
   HEADER
   ============================================================ */
#header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(5,8,16,0.94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gold-border);
  padding: 12px 0;
}

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

.logo {
  font-size: 18px;
  font-weight: 800;
  color: var(--text);
  letter-spacing: -.02em;
}
.logo span { color: var(--gold); }

.header-contacts {
  display: flex;
  align-items: center;
  gap: 20px;
}

.header-phone {
  font-size: 17px;
  font-weight: 700;
  color: var(--text);
}
.header-phone:hover { color: var(--gold); }

/* ============================================================
   HERO
   ============================================================ */
#hero {
  position: relative;
  min-height: 90vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--bg-dark);
}

#hero > .container {
  width: 100%;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 60% 40%, rgba(37,99,235,0.07) 0%, transparent 70%),
    radial-gradient(ellipse 60% 80% at 10% 70%, rgba(20,50,120,0.15) 0%, transparent 60%),
    linear-gradient(160deg, #0a1120 0%, #050810 100%);
  z-index: 0;
}

/* ---- HERO SLIDER ---- */
.hero-slider {
  position: absolute;
  inset: 0;
  overflow: hidden;
  z-index: 0;
}

.hero-slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center top;
  opacity: 0;
  transition: opacity 0.8s ease-in-out;
}

.hero-slide.active {
  opacity: 1;
}

.hero-slider-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to right,
    rgba(5,8,16,0.92) 0%,
    rgba(5,8,16,0.82) 25%,
    rgba(5,8,16,0.45) 50%,
    rgba(5,8,16,0.08) 72%,
    transparent 100%
  );
  z-index: 1;
  pointer-events: none;
}

.hero-slider-dots {
  position: absolute;
  bottom: 28px;
  right: 28px;
  display: flex;
  gap: 9px;
  z-index: 2;
}

.dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,0.28);
  cursor: pointer;
  transition: background 0.4s, transform 0.4s, width 0.4s;
  border: none;
}

.dot.active {
  background: var(--gold);
  transform: scale(1.35);
  width: 20px;
  border-radius: 4px;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 560px;
  padding: 80px 0;
  margin-right: auto;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--gold-dim);
  border: 1px solid var(--gold-border);
  border-radius: 6px;
  padding: 6px 14px;
  font-size: 13px;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 24px;
  letter-spacing: .02em;
}

.hero-title {
  font-size: clamp(28px, 4.5vw, 52px);
  font-weight: 900;
  line-height: 1.1;
  margin-bottom: 20px;
  letter-spacing: -.02em;
}
.hero-title .gold { color: var(--gold); }

.hero-sub {
  font-size: 17px;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 40px;
  max-width: 540px;
}

.hero-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 40px;
}

.stat-chip {
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(5,8,16,0.62);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 8px;
  padding: 10px 16px;
  font-size: 14px;
  color: var(--text-muted);
}
.stat-chip strong { color: var(--gold); font-weight: 700; white-space: nowrap; }
.stat-chip svg { flex-shrink: 0; color: var(--gold); }

body.light .stat-chip {
  background: rgba(255,255,255,0.88);
  border-color: rgba(37,99,235,0.2);
  color: var(--text);
}

.hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

/* ============================================================
   SECTION: РИСКИ
   ============================================================ */
#risks { background: var(--bg-dark); }

.risk-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 20px;
  margin-bottom: 40px;
}

.risk-card {
  background: var(--red-dim);
  border: 1px solid rgba(217,84,84,0.2);
  border-radius: var(--radius-lg);
  padding: 28px;
}
.risk-card:hover {
  border-color: rgba(217,84,84,0.45);
  background: rgba(217,84,84,0.14);
}

.risk-icon {
  width: 44px;
  height: 44px;
  background: rgba(217,84,84,0.15);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: var(--red);
}

.risk-card h3 {
  font-size: 16px;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--text);
}

.risk-card p { font-size: 14px; color: var(--text-muted); line-height: 1.6; }

.risk-cta-box {
  background: var(--gold-dim);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-lg);
  padding: 28px 36px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
}
.risk-cta-box p {
  font-size: 17px;
  font-weight: 600;
  color: var(--text);
  max-width: 580px;
}
.risk-cta-box span { color: var(--gold); }

/* ============================================================
   SECTION: ПОЧЕМУ ЧЕРЕЗ НАС
   ============================================================ */
#why-us { background: var(--bg-darkest); }

.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 24px;
}

.why-card {
  background: var(--bg-card);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: var(--transition);
}
.why-card:hover {
  border-color: var(--gold);
  background: var(--bg-card2);
  box-shadow: 0 8px 32px rgba(0,0,0,0.4);
}

.why-icon {
  width: 52px;
  height: 52px;
  background: var(--gold-dim);
  border: 1px solid var(--gold-border);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  margin-bottom: 20px;
}

.why-num {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .12em;
  color: var(--gold);
  text-transform: uppercase;
  margin-bottom: 8px;
}

.why-card h3 {
  font-size: 17px;
  font-weight: 800;
  margin-bottom: 12px;
  line-height: 1.3;
}

.why-card p { font-size: 14px; color: var(--text-muted); line-height: 1.65; }

/* ============================================================
   SECTION: КАЛЬКУЛЯТОР
   ============================================================ */
#calculator {
  background: linear-gradient(160deg, #0a1020 0%, #060c18 100%);
  border-top: 1px solid var(--gold-border);
  border-bottom: 1px solid var(--gold-border);
}

.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}

.calc-form-side {}
.calc-result-side {}

.calc-fields {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.field-group { display: flex; flex-direction: column; gap: 7px; }

.field-group label {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: .06em;
}

.field-group select,
.field-group input[type="text"],
.field-group input[type="tel"] {
  background: var(--bg-input);
  border: 1.5px solid rgba(255,255,255,0.1);
  border-radius: var(--radius);
  color: var(--text);
  padding: 12px 16px;
  font-size: 15px;
  width: 100%;
  transition: border-color var(--transition);
  appearance: none;
  -webkit-appearance: none;
}
.field-group select:focus,
.field-group input:focus {
  outline: none;
  border-color: var(--gold);
}
.field-group select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='%238b95a8' viewBox='0 0 16 16'%3E%3Cpath d='M7.247 11.14L2.451 5.658C1.885 5.013 2.345 4 3.204 4h9.592a1 1 0 0 1 .753 1.659l-4.796 5.48a1 1 0 0 1-1.506 0z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px; }

.checkbox-row {
  display: flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  font-size: 15px;
  color: var(--text);
}
.checkbox-row input[type="checkbox"] {
  width: 18px; height: 18px;
  accent-color: var(--gold);
  cursor: pointer;
  flex-shrink: 0;
}

.checkbox-row-consent {
  align-items: flex-start;
  font-size: 13px;
  line-height: 1.5;
  color: var(--text-muted);
}
.checkbox-row-consent input[type="checkbox"] {
  margin-top: 2px;
}

.calc-result {
  background: var(--bg-card);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-lg);
  padding: 36px;
  position: sticky;
  top: 80px;
}

.calc-result-placeholder {
  text-align: center;
  color: var(--text-dim);
  padding: 24px 0;
}
.calc-result-placeholder svg { margin: 0 auto 12px; opacity: .25; }

.result-title {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 24px;
}

.result-rows { display: flex; flex-direction: column; gap: 0; }

.result-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  font-size: 14px;
  color: var(--text-muted);
}
.result-row:last-child { border-bottom: none; }
.result-row span:last-child { font-weight: 700; color: var(--text); white-space: nowrap; }

.result-total {
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid var(--gold-border);
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.result-total-label { font-size: 15px; font-weight: 700; color: var(--text); }
.result-total-value { font-size: 32px; font-weight: 900; color: var(--gold); letter-spacing: -.02em; }

.result-monthly {
  margin-top: 12px;
  padding: 14px 18px;
  background: var(--green-dim);
  border-radius: var(--radius);
  font-size: 14px;
  color: var(--green);
  font-weight: 600;
}

.result-debt {
  margin-top: 10px;
  padding: 12px 18px;
  background: var(--gold-dim);
  border-radius: var(--radius);
  font-size: 14px;
  color: var(--gold);
  font-weight: 600;
  display: none;
}
.result-debt.active { display: block; }

.result-disclaimer {
  margin-top: 14px;
  font-size: 11px;
  color: var(--text-dim);
  line-height: 1.55;
}

.calc-disclaimer {
  margin-top: 20px;
  font-size: 12px;
  color: var(--text-dim);
  line-height: 1.6;
  padding: 14px 16px;
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: var(--radius);
}
body.light .calc-disclaimer { border-color: rgba(0,0,0,0.08); }

/* ============================================================
   SECTION: СПЕЦИАЛЬНОСТИ
   ============================================================ */
#specialties { background: var(--bg-dark); }

.spec-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 24px;
}

.spec-card {
  background: var(--bg-card);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
}
.spec-card:hover {
  border-color: var(--gold);
  transform: translateY(-3px);
  box-shadow: 0 12px 40px rgba(0,0,0,0.5);
}

.spec-img {
  height: 160px;
}

.spec-body { padding: 22px; }

.spec-body h3 {
  font-size: 17px;
  font-weight: 800;
  margin-bottom: 8px;
}

.spec-body p { font-size: 13px; color: var(--text-muted); margin-bottom: 16px; }

.spec-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.spec-tag {
  font-size: 12px;
  padding: 4px 10px;
  border-radius: 5px;
  font-weight: 600;
}
.spec-tag.gold { background: var(--gold-dim); color: var(--gold); border: 1px solid var(--gold-border); }
.spec-tag.grey { background: rgba(255,255,255,0.05); color: var(--text-muted); }

.spec-note {
  margin-top: 40px;
  padding: 18px 24px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: var(--radius);
  font-size: 13px;
  color: var(--text-dim);
  line-height: 1.6;
}

/* ============================================================
   SECTION: ЛЬГОТЫ
   ============================================================ */
#benefits { background: var(--bg-darkest); }

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.benefit-card {
  background: var(--bg-card);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: var(--transition);
}
.benefit-card:hover {
  border-color: var(--gold);
  background: var(--bg-card2);
}

.benefit-icon {
  width: 48px;
  height: 48px;
  background: var(--gold-dim);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  margin-bottom: 16px;
}

.benefit-card h3 { font-size: 16px; font-weight: 700; margin-bottom: 8px; }
.benefit-card p  { font-size: 13px; color: var(--text-muted); line-height: 1.6; }
.benefit-card .law { font-size: 11px; color: var(--text-dim); margin-top: 8px; font-style: italic; }

/* ============================================================
   SECTION: КАК ЭТО РАБОТАЕТ
   ============================================================ */
#process { background: var(--bg-dark); }

.process-steps {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.step {
  display: grid;
  grid-template-columns: 60px 1fr;
  gap: 24px;
  padding-bottom: 40px;
  position: relative;
}
.step:last-child { padding-bottom: 0; }

.step-line {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0;
}

.step-num {
  width: 44px;
  height: 44px;
  background: var(--gold-dim);
  border: 2px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  font-weight: 900;
  color: var(--gold);
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}

.step-connector {
  flex: 1;
  width: 2px;
  background: var(--gold-border);
  margin-top: 4px;
}
.step:last-child .step-connector { display: none; }

.step-content {
  padding-top: 8px;
}

.step-time {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 6px;
}

.step-content h3 {
  font-size: 18px;
  font-weight: 800;
  margin-bottom: 10px;
}

.step-content p { font-size: 14px; color: var(--text-muted); line-height: 1.65; max-width: 620px; }

.step-highlight {
  display: inline-block;
  background: var(--gold-dim);
  border: 1px solid var(--gold-border);
  color: var(--gold);
  font-size: 13px;
  font-weight: 600;
  padding: 5px 12px;
  border-radius: 5px;
  margin-top: 12px;
}

.process-cta {
  margin-top: 52px;
  text-align: center;
}

/* ============================================================
   SECTION: ОТЗЫВЫ
   ============================================================ */
#reviews { background: var(--bg-darkest); }

.reviews-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
}

.review-card {
  background: var(--bg-card);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-lg);
  padding: 30px;
  display: flex;
  flex-direction: column;
  gap: 18px;
  transition: var(--transition);
}
.review-card:hover {
  border-color: var(--gold);
}

.review-video-ph {
  height: 180px;
  border-radius: var(--radius);
}

.review-quote {
  font-size: 15px;
  line-height: 1.65;
  color: var(--text);
  font-style: italic;
  flex: 1;
}
.review-quote::before { content: "\201C"; color: var(--gold); font-size: 24px; line-height: 0; vertical-align: -8px; margin-right: 4px; }

.review-author {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 16px;
  border-top: 1px solid rgba(255,255,255,0.06);
}

.review-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--gold-dim);
  border: 2px solid var(--gold-border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 800;
  color: var(--gold);
  flex-shrink: 0;
}

.review-author-info strong { font-size: 14px; font-weight: 700; display: block; }
.review-author-info span  { font-size: 12px; color: var(--text-muted); }

.review-stars { color: var(--gold); font-size: 13px; margin-bottom: 4px; }

/* ============================================================
   SECTION: FAQ
   ============================================================ */
#faq { background: var(--bg-dark); }

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  max-width: 800px;
}

.faq-item {
  background: var(--bg-card);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color var(--transition);
}
.faq-item.open { border-color: var(--gold); }

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  background: none;
  border: none;
  color: var(--text);
  font-size: 16px;
  font-weight: 700;
  cursor: pointer;
  text-align: left;
  gap: 16px;
  transition: color var(--transition);
}
.faq-question:hover { color: var(--gold); }

.faq-icon {
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  background: var(--gold-dim);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform var(--transition), background var(--transition);
  color: var(--gold);
}
.faq-item.open .faq-icon {
  transform: rotate(45deg);
  background: var(--gold);
  color: #050810;
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.25s ease;
}
.faq-item.open .faq-answer { max-height: 400px; }

.faq-answer-inner {
  padding: 0 24px 22px;
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.7;
}

/* ============================================================
   SECTION: ФИНАЛЬНАЯ ФОРМА
   ============================================================ */
#contact {
  background: linear-gradient(160deg, #08101e 0%, #050810 100%);
  border-top: 1px solid var(--gold-border);
}

.contact-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: start;
}

.contact-left h2 { margin-bottom: 20px; }
.contact-left p  { color: var(--text-muted); font-size: 16px; margin-bottom: 32px; }

.contact-promise {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.promise-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 15px;
  color: var(--text-muted);
}
.promise-item svg { flex-shrink: 0; color: var(--gold); margin-top: 2px; }

.contact-form {
  background: var(--bg-card);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-lg);
  padding: 40px;
}

.form-fields {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 20px;
}

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.form-checks {
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,0.06);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  margin-bottom: 20px;
}

.form-checks-label {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--text-dim);
  margin-bottom: 4px;
}

.form-note {
  font-size: 12px;
  color: var(--text-dim);
  text-align: center;
  margin-top: 16px;
  line-height: 1.6;
}

.form-alts {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 16px;
}

.form-success {
  display: none;
  text-align: center;
  padding: 32px 0;
}
.form-success svg { margin: 0 auto 16px; color: var(--green); }
.form-success h3 { font-size: 22px; margin-bottom: 10px; }
.form-success p  { color: var(--text-muted); }

/* ============================================================
   FOOTER
   ============================================================ */
footer {
  background: #030508;
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 32px 0;
}

.footer-inner {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}

.footer-disclaimer {
  font-size: 12px;
  color: var(--text-dim);
  line-height: 1.7;
  max-width: 640px;
}

.footer-right {
  font-size: 13px;
  color: var(--text-dim);
  text-align: right;
}

/* ============================================================
   EXIT POPUP
   ============================================================ */
/* #exit-popup использует общий .popup-overlay */

.popup-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0.75);
  backdrop-filter: blur(4px);
}

.popup-box {
  position: relative;
  z-index: 1;
  background: var(--bg-card2);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-lg);
  padding: 40px;
  max-width: 480px;
  width: 100%;
  box-shadow: 0 24px 80px rgba(0,0,0,0.7);
}

.popup-close {
  position: absolute;
  top: 16px;
  right: 16px;
  background: rgba(255,255,255,0.07);
  border: none;
  color: var(--text-muted);
  width: 32px;
  height: 32px;
  border-radius: 50%;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  transition: var(--transition);
}
.popup-close:hover { background: rgba(255,255,255,0.12); color: var(--text); }

.popup-box h3 { font-size: 22px; font-weight: 800; margin-bottom: 8px; }
.popup-box p  { font-size: 14px; color: var(--text-muted); margin-bottom: 24px; }

.popup-calc-fields {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 20px;
}

.popup-result {
  background: var(--gold-dim);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin-bottom: 20px;
  display: none;
}
.popup-result.active { display: block; }
.popup-result-label { font-size: 12px; color: var(--text-muted); margin-bottom: 4px; }
.popup-result-sum   { font-size: 28px; font-weight: 900; color: var(--gold); }

/* ============================================================
   FLOATING BUTTON
   ============================================================ */
#float-chat {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 200;
  background: #1a4fcf;
  color: #fff;
  border-radius: 56px;
  padding: 14px 22px;
  font-size: 14px;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 10px;
  box-shadow: 0 8px 32px rgba(37,99,235,0.45);
  transition: var(--transition);
}
#float-chat:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 40px rgba(37,99,235,0.6);
  color: #fff;
}

/* ============================================================
   SCROLL ANIMATIONS
   ============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.reveal.visible {
  opacity: 1;
  transform: none;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 960px) {
  .calc-wrap     { grid-template-columns: 1fr; }
  .calc-result   { position: static; }
  .contact-wrap  { grid-template-columns: 1fr; gap: 40px; }
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-slider-overlay {
    background: linear-gradient(to bottom, rgba(5,8,16,0.55) 0%, rgba(5,8,16,0.45) 100%);
  }
  .hero-content  { max-width: 100%; }
}

@media (max-width: 640px) {
  .section    { padding: 56px 0; }
  .section-sm { padding: 40px 0; }
  .container  { padding: 0 16px; }
  .hero-cta   { flex-direction: column; }
  .btn-lg     { width: 100%; justify-content: center; }
  .benefits-grid { grid-template-columns: 1fr; }
  .form-row   { grid-template-columns: 1fr; }
  .risk-cta-box { flex-direction: column; }
  .header-phone { display: none; }
  .footer-inner { flex-direction: column; }
  .footer-right { text-align: left; }
  #float-chat span { display: none; }
  #float-chat { border-radius: 50%; width: 56px; height: 56px; padding: 0; justify-content: center; }
}

/* ---- СВЕТЛАЯ ТЕМА: ПЛАШКИ + КНОПКИ + ПОЛЯ ---- */
body.light .stat-chip {
  background: rgba(255,255,255,0.50);
  border-color: rgba(37,99,235,0.20);
  color: var(--text);
}

body.light .btn-outline {
  background: rgba(255,255,255,0.50);
  color: var(--text);
  border-color: rgba(37,99,235,0.28);
}
body.light .btn-outline:hover {
  background: rgba(255,255,255,0.78);
  border-color: var(--gold);
}

body.light .field-group select,
body.light .field-group input[type="text"],
body.light .field-group input[type="tel"] {
  border-color: rgba(37,99,235,0.30);
  color: var(--text);
}
body.light .field-group select:focus,
body.light .field-group input:focus {
  border-color: var(--gold);
}

/* ---- ОБЩИЙ ОВЕРЛЕЙ ДЛЯ ПОПАПОВ ---- */
.popup-overlay {
  position: fixed;
  inset: 0;
  z-index: 9999;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 24px;
}
.popup-overlay.active { display: flex; }

/* ---- КВИЗ ---- */
.quiz-step { display: none; }
.quiz-step.active { display: block; }

.quiz-progress-wrap {
  margin-bottom: 20px;
}
.quiz-progress-label {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 8px;
}
.quiz-progress-bar {
  height: 4px;
  background: rgba(255,255,255,0.08);
  border-radius: 2px;
  overflow: hidden;
}
.quiz-progress-fill {
  height: 100%;
  background: var(--gold);
  border-radius: 2px;
  transition: width 0.4s ease;
}

.quiz-options {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 20px;
}
.quiz-opt {
  background: rgba(255,255,255,0.04);
  border: 1.5px solid var(--gold-border);
  border-radius: var(--radius);
  color: var(--text);
  padding: 14px 18px;
  cursor: pointer;
  text-align: left;
  font-size: 15px;
  font-family: inherit;
  transition: var(--transition);
  line-height: 1.4;
}
.quiz-opt:hover {
  background: var(--gold-dim);
  border-color: var(--gold);
}
body.light .quiz-opt {
  background: rgba(255,255,255,0.60);
  color: var(--text);
}
body.light .quiz-opt:hover {
  background: rgba(255,255,255,0.90);
}