/* Reset and Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    /* Цветовая палитра из дизайна */
    --dark-blue: #1C3850; /* Dark blue - основной темно-синий */
    --orange: #EED2B8; /* Orange - бежево-оранжевый */
    --black: #252525; /* Red (на самом деле черный) */
    --dark-gray: #242A41; /* White (на самом деле темно-серый) */
    --red: #C04343; /* Red - красный */
    --gray-01: #C9C9C9; /* Gray 01 */
    --blue-02: #DEEBE0; /* Blue 02 - светло-голубой */
    --gray-03: #F8F8F8; /* Gray 03 - очень светлый серый */
    --gray-04: #ACACAC; /* Gray 04 */
    
    /* Семантические переменные */
    --primary-dark: var(--dark-blue);
    --primary-color: var(--dark-blue);
    --accent-beige: var(--orange);
    --accent-orange: var(--red);
    --accent-blue: var(--dark-blue);
    --secondary-color: #FFFFFF;
    --text-color: var(--black);
    --text-light: var(--gray-04);
    --text-muted: var(--gray-01);
    --bg-light: var(--gray-03);
    --bg-section: #FFFFFF;
    --border-color: var(--gray-01);
    --border-light: var(--gray-03);
    --shadow: 0 2px 8px rgba(28, 56, 80, 0.08);
    --shadow-md: 0 4px 16px rgba(28, 56, 80, 0.12);
    --shadow-lg: 0 8px 24px rgba(28, 56, 80, 0.16);
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --border-radius: 12px;
    --border-radius-lg: 16px;
}

body {
    font-family: 'Geologica', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: var(--text-color);
    background-color: var(--secondary-color);
    font-weight: 400;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4, h5, h6 {
    font-family: 'Geologica', sans-serif;
    font-weight: 600;
    line-height: 1.3;
    color: var(--text-color);
    margin-bottom: 1rem;
}

.container {
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 40px;
}

/* Header - точно как на urgrand.ru */
.header {
    background-color: var(--bg-light);
    position: sticky;
    top: 0;
    z-index: 1000;
    padding: 16px 0;
    border-bottom: 1px solid var(--border-light);
}

.header__content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 2rem;
}

.header__logo {
    display: flex;
    align-items: center;
    gap: 12px;
}

.header__logo a {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    color: inherit;
}

.header__logo .logo {
    height: 25px;
    width: auto;
    transition: var(--transition);
}

.header__logo-text {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 18px;
    font-weight: 700;
    color: var(--text-color);
    letter-spacing: 1px;
    text-transform: uppercase;
}

.header__logo-text span {
    display: inline-block;
    width: 20px;
    height: 20px;
    border: 2px solid currentColor;
    transform: rotate(45deg);
    flex-shrink: 0;
}

.header__contacts {
    display: flex;
    gap: 32px;
    align-items: center;
}

.header__phone,
.header__email {
    color: var(--text-color);
    text-decoration: none;
    font-weight: 500;
    font-size: 15px;
    transition: var(--transition);
}

.header__phone:hover,
.header__email:hover {
    color: var(--red);
}

.header__messengers {
    display: flex;
    gap: 12px;
    align-items: center;
}

.header__messenger-link {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    color: var(--text-color);
    transition: var(--transition);
    border-radius: var(--border-radius);
    /* filter: grayscale(100%); */
}

.header__messenger-link:hover {
    /* filter: grayscale(0%); */
    background-color: var(--bg-light);
    transform: translateY(-2px);
}

.header__messenger-link svg {
    width: 20px;
    height: 20px;
}

.header__callback {
    white-space: nowrap;
    background-color: var(--orange);
    color: var(--dark-blue);
    border: none;
    padding: 12px 24px;
    border-radius: var(--border-radius);
    font-weight: 600;
    font-size: 14px;
    cursor: pointer;
    transition: var(--transition);
    display: flex;
    align-items: center;
    gap: 8px;
}

.header__callback:hover {
    background-color: #e0c5a5;
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

/* Бургер-меню */
.header__burger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    z-index: 1001;
}

.header__burger span {
    width: 25px;
    height: 3px;
    background-color: var(--text-color);
    transition: var(--transition);
    border-radius: 2px;
}

.header__burger.active span:nth-child(1) {
    transform: rotate(45deg) translate(8px, 8px);
}

.header__burger.active span:nth-child(2) {
    opacity: 0;
}

.header__burger.active span:nth-child(3) {
    transform: rotate(-45deg) translate(7px, -7px);
}

/* Мобильное меню */
.header__mobile-menu {
    display: none;
    flex-direction: column;
    gap: 20px;
    padding: 30px 0;
    border-top: 1px solid var(--border-light);
    margin-top: 20px;
    align-items: center;
    text-align: center;
    opacity: 0;
    transform: translateY(-10px);
    transition: opacity 0.3s ease-out,
                transform 0.3s ease-out;
}

.header__mobile-menu.active {
    display: flex;
    opacity: 1;
    transform: translateY(0);
}

.header__mobile-contacts {
    display: flex;
    flex-direction: column;
    gap: 16px;
    align-items: center;
    width: 100%;
}

.header__mobile-contacts .header__phone,
.header__mobile-contacts .header__email {
    text-align: center;
}

.header__main-site {
    color: var(--text-color);
    text-decoration: none;
    font-weight: 600;
    padding: 12px 0;
    border-bottom: 1px solid var(--border-light);
    transition: var(--transition);
    text-align: center;
    width: 100%;
}

.header__mobile-callback {
    width: 100%;
    justify-content: center;
}

.header__mobile-messengers {
    display: flex;
    gap: 16px;
    justify-content: center;
    padding: 8px 0;
    border-top: 1px solid var(--border-light);
    border-bottom: 1px solid var(--border-light);
    margin: 8px 0;
}

.header__mobile-messengers .header__messenger-link {
    width: 48px;
    height: 48px;
}

.header__mobile-messengers .header__messenger-link svg {
    width: 28px;
    height: 28px;
}

.header__main-site:hover {
    color: var(--red);
}

.header__mobile-callback {
    width: 100%;
    justify-content: center;
}

/* Buttons - стиль как на urgrand.ru */
.btn {
    display: inline-block;
    padding: 16px 32px;
    border: none;
    border-radius: var(--border-radius);
    font-size: 15px;
    font-weight: 600;
    text-align: center;
    text-decoration: none;
    cursor: pointer;
    transition: var(--transition);
    font-family: inherit;
    position: relative;
    overflow: hidden;
}

.btn--primary {
    background-color: var(--orange);
    color: var(--dark-blue);
    border: 2px solid var(--orange);
}

.btn--primary:hover {
    background-color: #e0c5a5;
    border-color: #e0c5a5;
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

/* Иконка стрелочки для кнопок */
.btn--with-arrow {
    position: relative;
    padding-right: 65px;
}

.btn--with-arrow::after {
    content: '';
    position: absolute;
    right: 20px;
    top: 50%;
    transform: translateY(-50%);
    width: 20px;
    height: 20px;
    background-image: url("data:image/svg+xml,%3Csvg width='21' height='21' viewBox='0 0 21 21' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M20.1816 11.1697C20.5133 11.1697 20.811 11.3723 20.9375 11.6834C20.9789 11.7852 21 11.8925 21 11.9998C21 12.1795 20.9426 12.3577 20.832 12.5037L20.7588 12.5877L14.1592 19.2576C13.8396 19.5808 13.3215 19.5799 13.0029 19.2556C12.7109 18.9573 12.6866 18.4905 12.9316 18.1658L13.0049 18.0808L18.2012 12.8299H3.81836C3.36678 12.8299 3.00009 12.4581 3 11.9998C3 11.5767 3.31255 11.2268 3.71582 11.1756L3.81836 11.1697H20.1816ZM13.002 4.74393C13.294 4.44657 13.7545 4.42096 14.0762 4.66775L14.1602 4.74197L17.7988 8.42068C17.9603 8.58343 18.04 8.79588 18.04 9.00955C18.04 9.22098 17.961 9.43275 17.8018 9.59549C17.5098 9.89379 17.051 9.9191 16.7295 9.67166L16.6445 9.59744L13.0049 5.91873C12.6843 5.59555 12.6837 5.06945 13.002 4.74393Z' fill='%231C3850'/%3E%3C/svg%3E");
    background-size: contain;
    background-repeat: no-repeat;
    background-position: center;
    transition: var(--transition);
}

.btn--with-arrow:hover::after {
    transform: translateY(-50%) translateX(3px);
}

.btn--large {
    padding: 18px 40px;
    font-size: 16px;
}

/* Hero Section — фон background.jpeg; при сужении обрезается слева, справа всегда видно */
.hero {
    background: url('../images/background.jpeg') right center / cover no-repeat;
    color: var(--secondary-color);
    padding: 120px 2rem 100px 2rem;
    text-align: left;
    position: relative;
    overflow: hidden;
    min-height: 72vh; /* +30% к прежним 55vh на больших экранах */
}

.hero__container {
    position: relative;
    z-index: 1;
    max-width: 1240px;
}

.hero__content {
    position: relative;
    z-index: 1;
    width: 100%;
}

.hero__title {
    font-size: 48px;
    font-weight: 700;
    margin-bottom: 40px;
    line-height: 1.2;
    letter-spacing: -0.5px;
    color: var(--secondary-color);
    text-shadow: 0 2px 20px rgba(0, 0, 0, 0.3);
    max-width: 700px;
}

.hero__advantages {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin-bottom: 50px;
    width: 65%;
}

.advantage-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 16px;
    background-color: rgba(255, 255, 255, 0.08);
    border-radius: var(--border-radius);
    border: 1px solid rgba(238, 210, 184, 0.2);
    transition: var(--transition);
    backdrop-filter: blur(10px);
}

.advantage-item:hover {
    background-color: rgba(238, 210, 184, 0.15);
    border-color: rgba(238, 210, 184, 0.4);
    transform: translateY(-2px);
}

.advantage-icon {
    flex-shrink: 0;
    color: var(--orange);
    width: 24px;
    height: 24px;
}

.advantage-item span {
    font-size: 15px;
    font-weight: 500;
    color: var(--secondary-color);
}

.hero__actions {
    display: flex;
    gap: 20px;
    margin-top: 30px;
    flex-wrap: wrap;
}

.hero__cta {
    margin-top: 0;
    background-color: var(--orange);
    color: var(--dark-blue);
    border: 2px solid var(--orange);
}

.hero__cta:hover {
    background-color: #e0c5a5;
    border-color: #e0c5a5;
    color: var(--dark-blue);
}

.btn--secondary {
    background-color: transparent;
    color: var(--secondary-color);
    border: 2px solid var(--secondary-color);
}

.btn--secondary:hover {
    background-color: rgba(255, 255, 255, 0.1);
    border-color: var(--secondary-color);
    color: var(--secondary-color);
}

.hero__main-site-link {
    text-decoration: none;
}

/* Banks Section */
.banks {
    padding: 60px 0;
    background: linear-gradient(180deg, var(--bg-section) 0%, var(--gray-03) 100%);
    border-bottom: 1px solid var(--border-light);
    position: relative;
}

.banks::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--gray-01), transparent);
}

.banks__content {
    display: flex;
    justify-content: space-around;
    align-items: center;
    flex-wrap: wrap;
    gap: 40px;
}

.bank-logo {
    opacity: 0.4;
    transition: var(--transition);
    filter: grayscale(100%);
}

.bank-logo:hover {
    opacity: 0.8;
    filter: grayscale(0%);
    transform: scale(1.05);
}

.bank-logo__img {
    height: 40px;
    width: auto;
    max-width: 150px;
}

/* Form Section - dark blue фон */
.form-section {
    padding: 100px 0;
    background-color: var(--dark-blue);
    position: relative;
    overflow: hidden;
}

.form-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: radial-gradient(circle at 50% 0%, rgba(238, 210, 184, 0.1) 0%, transparent 70%);
    pointer-events: none;
}

.section-title {
    font-size: 42px;
    font-weight: 700;
    text-align: center;
    margin-bottom: 20px;
    color: var(--dark-blue);
    letter-spacing: -0.5px;
    position: relative;
    z-index: 1;
}

.section-subtitle {
    font-size: 18px;
    text-align: center;
    color: var(--text-light);
    margin-bottom: 60px;
    font-weight: 400;
    position: relative;
    z-index: 1;
}

/* Подзаголовки слева для определенных секций */
.how-it-works .section-subtitle,
.services .section-subtitle,
.contact-form-section .section-subtitle {
    text-align: left;
}

/* Белые заголовки для секций с темным фоном */
.form-section .section-title,
.statistics .section-title,
.guarantees .section-title {
    color: var(--secondary-color);
}

.form-section .section-subtitle,
.statistics .section-subtitle,
.guarantees .section-subtitle {
    color: rgba(255, 255, 255, 0.8);
}

.main-form {
    max-width: 900px;
    margin: 0 auto;
    background-color: rgba(255, 255, 255, 0.98);
    padding: 60px;
    border-radius: var(--border-radius-lg);
    box-shadow: 0 8px 40px rgba(0, 0, 0, 0.2);
    border: 1px solid rgba(238, 210, 184, 0.3);
    position: relative;
    z-index: 1;
    backdrop-filter: blur(10px);
}

.form-group {
    margin-bottom: 32px;
}

.form-label {
    display: block;
    font-weight: 600;
    margin-bottom: 12px;
    color: var(--dark-blue);
    font-size: 14px;
}

.form-input,
.form-textarea {
    width: 100%;
    padding: 16px 20px;
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    font-size: 16px;
    font-family: inherit;
    transition: var(--transition);
    background-color: var(--secondary-color);
    color: var(--text-color);
}

.form-input:focus,
.form-textarea:focus {
    outline: none;
    border-color: var(--dark-blue);
    box-shadow: 0 0 0 3px rgba(28, 56, 80, 0.1);
}

.form-textarea {
    resize: vertical;
    min-height: 140px;
}

.form-row {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 32px;
}

.radio-group,
.checkbox-group {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.radio-label,
.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    cursor: pointer;
    padding: 20px;
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    transition: var(--transition);
    background-color: var(--secondary-color);
    position: relative;
}

.radio-label:hover,
.checkbox-label:hover {
    border-color: var(--dark-blue);
    background-color: var(--gray-03);
    transform: translateX(5px);
}

/* Темно-синий акцент справа */
.radio-label::after,
.checkbox-label::after {
    content: '';
    position: absolute;
    right: 0;
    top: 0;
    bottom: 0;
    width: 4px;
    background-color: var(--dark-blue);
    border-radius: 0 var(--border-radius) var(--border-radius) 0;
    transform: scaleY(0);
    transition: var(--transition);
}

.radio-label:hover::after,
.checkbox-label:hover::after {
    transform: scaleY(1);
}

.radio-label input[type="radio"],
.checkbox-label input[type="checkbox"] {
    margin-top: 2px;
    cursor: pointer;
    width: 20px;
    height: 20px;
    flex-shrink: 0;
    accent-color: var(--dark-blue);
}

.radio-label span,
.checkbox-label span {
    flex: 1;
    line-height: 1.6;
}

.form-submit {
    width: 100%;
    margin-top: 30px;
    padding: 18px;
    font-size: 16px;
    background-color: var(--orange);
    color: var(--dark-blue);
    border: 2px solid var(--orange);
    font-weight: 600;
}

.form-submit:hover {
    background-color: #e0c5a5;
    border-color: #e0c5a5;
    transform: translateY(-2px);
    box-shadow: 0 4px 20px rgba(238, 210, 184, 0.4);
}

/* Statistics Section - dark blue фон */
.statistics {
    padding: 80px 0;
    background-color: var(--dark-blue);
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    position: relative;
    overflow: hidden;
}

.statistics::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg width="60" height="60" xmlns="http://www.w3.org/2000/svg"><defs><pattern id="grid" width="60" height="60" patternUnits="userSpaceOnUse"><path d="M 60 0 L 0 0 0 60" fill="none" stroke="rgba(238,210,184,0.05)" stroke-width="1"/></pattern></defs><rect width="100%" height="100%" fill="url(%23grid)"/></svg>');
    opacity: 0.5;
    pointer-events: none;
}

.statistics__grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
    position: relative;
    z-index: 1;
}

.statistic-item {
    text-align: center;
    padding: 40px 20px;
    background-color: rgba(255, 255, 255, 0.95);
    border-radius: var(--border-radius-lg);
    border: 1px solid rgba(238, 210, 184, 0.3);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.15);
    transition: var(--transition);
    backdrop-filter: blur(10px);
}

.statistic-item:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 30px rgba(0, 0, 0, 0.2);
    border-color: var(--orange);
    background-color: var(--secondary-color);
}

.statistic-item__number {
    font-size: 48px;
    font-weight: 700;
    color: var(--dark-blue);
    margin-bottom: 12px;
    line-height: 1;
}

.statistic-item__label {
    font-size: 16px;
    color: var(--black);
    font-weight: 500;
}

/* How It Works Section */
.how-it-works {
    padding: 100px 0;
    background-color: var(--bg-section);
    position: relative;
}

.how-it-works::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--gray-01), transparent);
}

.how-it-works__steps {
    max-width: 1000px;
    margin: 60px auto 0;
    display: flex;
    flex-direction: column;
    gap: 40px;
}

.step-item {
    display: grid;
    grid-template-columns: 80px 1fr;
    gap: 40px;
    align-items: flex-start;
    padding: 40px;
    background: linear-gradient(135deg, var(--bg-light) 0%, var(--gray-03) 100%);
    border-radius: var(--border-radius-lg);
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.step-item::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 3px;
    height: 100%;
    background: linear-gradient(180deg, var(--red), var(--orange));
    opacity: 0;
    transition: var(--transition);
}

.step-item:hover::before {
    opacity: 1;
}

.step-item::after {
    content: '';
    position: absolute;
    right: 0;
    top: 0;
    bottom: 0;
    width: 4px;
    background-color: var(--dark-blue);
    border-radius: 0 var(--border-radius-lg) var(--border-radius-lg) 0;
    transform: scaleY(0);
    transition: var(--transition);
}

.step-item:hover::after {
    transform: scaleY(1);
}

.step-item:hover {
    transform: translateX(10px);
    border-color: var(--dark-blue);
    box-shadow: var(--shadow-md);
}

.step-item__number {
    font-size: 48px;
    font-weight: 700;
    color: var(--red);
    line-height: 1;
    opacity: 0.3;
}

.step-item__title {
    font-size: 24px;
    font-weight: 600;
    color: var(--text-color);
    margin-bottom: 12px;
}

.step-item__description {
    font-size: 16px;
    color: var(--text-light);
    line-height: 1.7;
}

/* Guarantees Section - dark blue фон */
.guarantees {
    padding: 100px 0;
    background-color: var(--dark-blue);
    position: relative;
    overflow: hidden;
}

.guarantees::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: radial-gradient(circle at 20% 50%, rgba(238, 210, 184, 0.08) 0%, transparent 50%),
                radial-gradient(circle at 80% 80%, rgba(238, 210, 184, 0.05) 0%, transparent 50%);
    pointer-events: none;
}

.guarantees__grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    margin-top: 60px;
    position: relative;
    z-index: 1;
}

.guarantee-card {
    background-color: rgba(255, 255, 255, 0.95);
    padding: 32px;
    border-radius: var(--border-radius-lg);
    border: 1px solid rgba(238, 210, 184, 0.3);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.15);
    transition: var(--transition);
    text-align: left;
    position: relative;
    overflow: hidden;
    backdrop-filter: blur(10px);
}

.guarantee-card::after {
    content: '';
    position: absolute;
    right: 0;
    top: 0;
    bottom: 0;
    width: 6px;
    background-color: var(--orange);
    border-radius: 0 var(--border-radius-lg) var(--border-radius-lg) 0;
    transform: scaleY(0);
    transition: var(--transition);
}

.guarantee-card:hover::after {
    transform: scaleY(1);
}

.guarantee-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 30px rgba(0, 0, 0, 0.2);
    border-color: var(--orange);
    background-color: var(--secondary-color);
}

.guarantee-card__icon {
    color: var(--red);
    margin-bottom: 20px;
    width: 40px;
    height: 40px;
}

.guarantee-card__title {
    font-size: 18px;
    font-weight: 600;
    margin-bottom: 12px;
    color: var(--black);
    line-height: 1.4;
}

.guarantee-card__description {
    color: var(--black);
    line-height: 1.6;
    font-size: 14px;
    opacity: 0.8;
}

/* Services Section - карточки как на urgrand.ru */
.services {
    padding: 100px 0;
    background-color: var(--bg-section);
}

.services__grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 24px;
    margin-top: 60px;
}

.service-card {
    background: linear-gradient(135deg, var(--bg-section) 0%, var(--gray-03) 100%);
    padding: 40px;
    border-radius: var(--border-radius-lg);
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow);
    transition: var(--transition);
    text-align: left;
    position: relative;
    overflow: hidden;
}

.service-card::before {
    content: '';
    position: absolute;
    top: -50%;
    left: -50%;
    width: 200%;
    height: 200%;
    background: radial-gradient(circle, rgba(192, 67, 67, 0.05) 0%, transparent 70%);
    opacity: 0;
    transition: var(--transition);
}

.service-card:hover::before {
    opacity: 1;
}

/* Темно-синий акцент справа */
.service-card::after {
    content: '';
    position: absolute;
    right: 0;
    top: 0;
    bottom: 0;
    width: 6px;
    background-color: var(--dark-blue);
    border-radius: 0 var(--border-radius-lg) var(--border-radius-lg) 0;
    transform: scaleY(0);
    transition: var(--transition);
}

.service-card:hover::after {
    transform: scaleY(1);
}

.service-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: var(--dark-blue);
}

.service-card__icon {
    color: var(--red);
    margin-bottom: 24px;
    width: 48px;
    height: 48px;
}

.service-card__title {
    font-size: 20px;
    font-weight: 600;
    margin-bottom: 16px;
    color: var(--text-color);
}

.service-card__description {
    color: var(--text-light);
    line-height: 1.7;
    font-size: 15px;
}

/* Reviews Section */
.reviews {
    padding: 100px 0;
    background: linear-gradient(180deg, var(--bg-light) 0%, var(--bg-section) 100%);
    position: relative;
}

.reviews__grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 24px;
    margin-top: 60px;
}

.review-card {
    display: flex;
    flex-direction: column;
    background: linear-gradient(135deg, var(--bg-section) 0%, var(--gray-03) 100%);
    padding: 40px;
    border-radius: var(--border-radius-lg);
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
    text-decoration: none;
    color: inherit;
    cursor: pointer;
    min-height: 100%;
}

.review-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 4px;
    background: linear-gradient(90deg, var(--red), var(--orange));
    transform: scaleX(0);
    transform-origin: left;
    transition: var(--transition);
}

.review-card:hover::before {
    transform: scaleX(1);
}

.review-card::after {
    content: '';
    position: absolute;
    right: 0;
    top: 0;
    bottom: 0;
    width: 4px;
    background-color: var(--dark-blue);
    border-radius: 0 var(--border-radius-lg) var(--border-radius-lg) 0;
    transform: scaleY(0);
    transition: var(--transition);
}

.review-card:hover::after {
    transform: scaleY(1);
}

.review-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    border-color: var(--dark-blue);
}

.review-card__header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 20px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--border-light);
}

.review-card__author {
    display: flex;
    gap: 16px;
    align-items: center;
}

.review-card__avatar {
    width: 56px;
    height: 56px;
    border-radius: var(--border-radius);
    background-color: var(--orange);
    color: var(--dark-blue);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    flex-shrink: 0;
    font-size: 18px;
}

.review-card__name {
    font-weight: 600;
    color: var(--text-color);
    font-size: 16px;
    margin-bottom: 4px;
}

.review-card__date {
    font-size: 13px;
    color: var(--text-muted);
}

.review-card__rating {
    color: var(--red);
    font-size: 18px;
    letter-spacing: 2px;
}

.review-card__text {
    color: var(--text-color);
    line-height: 1.7;
    font-size: 15px;
    margin-bottom: 16px;
}

.review-card__link {
    color: var(--dark-blue);
    font-size: 14px;
    font-weight: 600;
    margin-top: auto;
    padding-top: 16px;
    border-top: 1px solid var(--border-light);
    transition: var(--transition);
    display: flex;
    align-items: center;
    gap: 8px;
}

.review-card:hover .review-card__link {
    color: var(--red);
    transform: translateX(5px);
}

.reviews__practice {
    margin-top: 80px;
    padding: 50px;
    background-color: var(--bg-section);
    border-radius: var(--border-radius-lg);
    border: 1px solid var(--border-color);
    text-align: center;
    box-shadow: var(--shadow);
}

.reviews__practice-title {
    font-size: 28px;
    font-weight: 600;
    margin-bottom: 20px;
    color: var(--text-color);
}

.reviews__practice-text {
    color: var(--text-light);
    line-height: 1.7;
    font-size: 16px;
    margin-bottom: 24px;
}

.reviews__practice-link {
    display: inline-block;
    padding: 14px 32px;
    background-color: var(--orange);
    color: var(--dark-blue);
    text-decoration: none;
    border-radius: var(--border-radius);
    font-weight: 600;
    font-size: 15px;
    transition: var(--transition);
    border: 2px solid var(--orange);
}

.reviews__practice-link:hover {
    background-color: #e0c5a5;
    border-color: #e0c5a5;
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.link {
    color: var(--dark-blue);
    text-decoration: none;
    font-weight: 600;
    border-bottom: 1px solid transparent;
    transition: var(--transition);
}

.link:hover {
    border-bottom-color: var(--dark-blue);
    color: var(--dark-blue);
}

/* FAQ Section */
.faq {
    padding: 100px 0;
    background: linear-gradient(180deg, var(--bg-section) 0%, var(--gray-03) 100%);
    position: relative;
}

.faq__list {
    max-width: 900px;
    margin: 60px auto 0;
}

.faq-item {
    background: linear-gradient(135deg, var(--bg-section) 0%, var(--gray-03) 100%);
    border-radius: var(--border-radius);
    margin-bottom: 16px;
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow);
    overflow: hidden;
    transition: var(--transition);
}

.faq-item:hover {
    border-color: var(--dark-blue);
}

.faq-item__question {
    width: 100%;
    padding: 24px 32px;
    background: none;
    border: none;
    text-align: left;
    font-size: 18px;
    font-weight: 600;
    color: var(--text-color);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
    transition: var(--transition);
    font-family: inherit;
}

.faq-item__question:hover {
    background-color: var(--bg-light);
    color: var(--dark-blue);
}

.faq-item__icon {
    flex-shrink: 0;
    transition: var(--transition);
    color: var(--red);
}

.faq-item.active .faq-item__icon {
    transform: rotate(180deg);
}

.faq-item__answer {
    max-height: 0;
    overflow: hidden;
    opacity: 0;
    transition: max-height 0.5s cubic-bezier(0.4, 0, 0.2, 1),
                opacity 0.4s cubic-bezier(0.4, 0, 0.2, 1),
                padding 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    padding: 0 32px;
}

.faq-item.active .faq-item__answer {
    max-height: 500px;
    opacity: 1;
    padding: 0 32px 24px;
}

.faq-item__answer p {
    color: var(--text-light);
    line-height: 1.7;
    font-size: 15px;
    transform: translateY(-10px);
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1) 0.1s;
}

.faq-item.active .faq-item__answer p {
    transform: translateY(0);
}

/* Documents Section */
.documents {
    padding: 100px 0;
    background: linear-gradient(180deg, var(--bg-light) 0%, var(--bg-section) 100%);
    position: relative;
}

.documents__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    margin-top: 60px;
}

.document-item {
    position: relative;
    transition: var(--transition);
}

.document-item__link {
    display: block;
    text-decoration: none;
    color: inherit;
    cursor: pointer;
    outline: none;
}

.document-item__link:focus {
    outline: none;
}

.document-item__link:focus .document-item__frame {
    outline: 2px solid var(--dark-blue);
    outline-offset: 4px;
}

.document-item__frame {
    background: linear-gradient(135deg, var(--bg-section) 0%, var(--gray-03) 100%);
    padding: 20px;
    border-radius: var(--border-radius-lg);
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.document-item__frame::after {
    content: '';
    position: absolute;
    right: 0;
    top: 0;
    bottom: 0;
    width: 4px;
    background-color: var(--dark-blue);
    border-radius: 0 var(--border-radius-lg) var(--border-radius-lg) 0;
    transform: scaleY(0);
    transition: var(--transition);
}

.document-item:hover .document-item__frame::after {
    transform: scaleY(1);
}

.document-item:hover .document-item__frame {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    border-color: var(--dark-blue);
}

.document-item__img {
    width: 100%;
    height: auto;
    display: block;
    border-radius: var(--border-radius);
    transition: var(--transition);
}

.document-item:hover .document-item__img {
    transform: scale(1.02);
}

/* Contact Form Section */
.contact-form-section {
    padding: 100px 0;
    background: linear-gradient(180deg, var(--bg-light) 0%, var(--bg-section) 100%);
    position: relative;
}

.contact-form {
    max-width: 700px;
    margin: 0 auto;
    background: linear-gradient(135deg, var(--bg-section) 0%, var(--gray-03) 100%);
    padding: 50px;
    border-radius: var(--border-radius-lg);
    box-shadow: var(--shadow);
    border: 1px solid var(--border-light);
    position: relative;
    overflow: hidden;
}

.contact-form::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 200px;
    height: 200px;
    background: radial-gradient(circle, rgba(28, 56, 80, 0.05) 0%, transparent 70%);
    pointer-events: none;
}

.contact-messengers {
    margin-bottom: 40px;
    padding: 30px;
    background: linear-gradient(135deg, var(--bg-light) 0%, var(--gray-03) 100%);
    border-radius: var(--border-radius-lg);
    border: 1px solid var(--border-color);
}

.contact-messengers__text {
    font-size: 15px;
    color: var(--text-light);
    margin-bottom: 20px;
    text-align: center;
}

.contact-messengers__links {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

.contact-messenger-link {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 12px 24px;
    background-color: var(--bg-section);
    border: 1px solid var(--border-color);
    border-radius: var(--border-radius);
    text-decoration: none;
    color: var(--text-color);
    font-weight: 600;
    font-size: 14px;
    transition: var(--transition);
}

.contact-messenger-link:hover {
    border-color: var(--dark-blue);
    background-color: var(--bg-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow);
}

.contact-messenger-link svg {
    width: 20px;
    height: 20px;
    /* filter: grayscale(100%); */
    transition: var(--transition);
}

/* .contact-messenger-link:hover svg {
    filter: grayscale(0%);
} */

.contact-form__actions {
    display: flex;
    justify-content: center;
    margin-top: 20px;
}

/* Contacts Section */
.contacts {
    padding: 100px 0;
    background-color: var(--bg-section);
}

.contacts__info {
    max-width: 100%;
    margin: 60px auto 0;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.contact-item {
    display: flex;
    gap: 16px;
    padding: 24px;
    background: linear-gradient(135deg, var(--bg-light) 0%, var(--gray-03) 100%);
    border-radius: var(--border-radius-lg);
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.contact-item::after {
    content: '';
    position: absolute;
    right: 0;
    top: 0;
    bottom: 0;
    width: 4px;
    background-color: var(--dark-blue);
    border-radius: 0 var(--border-radius-lg) var(--border-radius-lg) 0;
    transform: scaleY(0);
    transition: var(--transition);
}

.contact-item:hover::after {
    transform: scaleY(1);
}

.contact-item:hover {
    transform: translateX(5px);
    border-color: var(--dark-blue);
}

.contact-icon {
    flex-shrink: 0;
    color: var(--dark-blue);
    width: 24px;
    height: 24px;
}

.contact-item__label {
    font-size: 11px;
    color: var(--text-muted);
    margin-bottom: 6px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    font-weight: 600;
}

.contact-item__value {
    font-size: 14px;
    font-weight: 600;
    color: var(--text-color);
    text-decoration: none;
    transition: var(--transition);
}

.contact-item__value:hover {
    color: var(--dark-blue);
}

/* Footer */
.footer {
    background-color: var(--primary-dark);
    color: var(--secondary-color);
    padding: 80px 0 60px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer__top {
    margin-bottom: 60px;
}

.footer__main {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 80px;
    align-items: flex-start;
}

.footer__company {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.footer__company-name {
    font-size: 24px;
    font-weight: 700;
    color: var(--secondary-color);
    margin-bottom: 8px;
    letter-spacing: 0.5px;
}

.footer__ogrn {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 8px;
}

.footer__address {
    font-size: 15px;
    color: rgba(255, 255, 255, 0.8);
    line-height: 1.6;
    margin-bottom: 8px;
}

.footer__contact {
    margin-bottom: 4px;
}

.footer__phone,
.footer__email {
    font-size: 15px;
    color: rgba(255, 255, 255, 0.8);
    text-decoration: none;
    transition: var(--transition);
    display: inline-block;
}

.footer__phone:hover,
.footer__email:hover {
    color: var(--orange);
}

.footer__nav {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 60px;
}

.footer__nav-column {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.footer__nav-title {
    font-size: 16px;
    font-weight: 600;
    color: var(--secondary-color);
    margin-bottom: 4px;
}

.footer__nav-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.footer__nav-link {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    transition: var(--transition);
    line-height: 1.5;
}

.footer__nav-link:hover {
    color: var(--orange);
    padding-left: 4px;
}

.footer__consultation {
    padding-top: 60px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer__consultation-content {
    max-width: 600px;
    margin: 0 auto;
    text-align: center;
}

.footer__consultation-title {
    font-size: 28px;
    font-weight: 700;
    color: var(--secondary-color);
    margin-bottom: 16px;
    line-height: 1.3;
}

.footer__consultation-text {
    font-size: 16px;
    color: rgba(255, 255, 255, 0.8);
    line-height: 1.6;
    margin-bottom: 32px;
}

.footer__consultation-btn {
    background-color: var(--orange);
    color: var(--dark-blue);
    border: 2px solid var(--orange);
    padding: 16px 40px;
    font-size: 16px;
    font-weight: 600;
}

.footer__consultation-btn:hover {
    background-color: #e0c5a5;
    border-color: #e0c5a5;
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

/* Modal */
.modal {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 2000;
}

.modal.active {
    display: flex;
    align-items: center;
    justify-content: center;
}

.modal__overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-color: rgba(0, 0, 0, 0.7);
    backdrop-filter: blur(4px);
}

.modal__content {
    position: relative;
    background-color: var(--bg-section);
    padding: 50px;
    border-radius: var(--border-radius-lg);
    max-width: 550px;
    width: 90%;
    max-height: 90vh;
    overflow-y: auto;
    z-index: 2001;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border-color);
}

.modal__close {
    position: absolute;
    top: 20px;
    right: 20px;
    background: none;
    border: none;
    font-size: 32px;
    color: var(--text-light);
    cursor: pointer;
    line-height: 1;
    transition: var(--transition);
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: var(--border-radius);
}

.modal__close:hover {
    color: var(--text-color);
    background-color: var(--bg-light);
    transform: rotate(90deg);
}

.modal__title {
    font-size: 28px;
    font-weight: 700;
    margin-bottom: 32px;
    color: var(--text-color);
}

.modal-form {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

/* Декоративные элементы */
.section-title {
    position: relative;
    display: inline-block;
}

/* Заголовок services слева */
.services .section-title {
    display: block;
    text-align: left;
}

.section-title::after {
    content: '';
    display: inline-block;
    width: 40px;
    height: 4px;
    background-color: var(--orange);
    margin-left: 20px;
    vertical-align: middle;
}

/* Убираем линию для заголовка в форме и центрируем */
.form-section .section-title {
    display: block;
    text-align: center;
}

.form-section .section-title::after {
    display: none;
}

/* Для секций с темным фоном */
.statistics .section-title::after,
.guarantees .section-title::after {
    background-color: var(--orange);
}

/* Декоративные элементы для улучшения дизайна */
.services {
    position: relative;
}

.services::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 200px;
    height: 200px;
    background: radial-gradient(circle, rgba(192, 67, 67, 0.08) 0%, transparent 70%);
    pointer-events: none;
}

/* Responsive Design */
@media (max-width: 1024px) {
    .container {
        padding: 0 30px;
    }

    .hero {
        padding: 100px 1.5rem 80px 1.5rem;
    }
    
    .hero__title {
        font-size: 38px;
    }

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

    .advantage-item {
        width: 80%;
    }
    
    .section-title {
        font-size: 36px;
    }

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

    .documents__grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 24px;
    }
}

@media (max-width: 768px) {
    .container {
        padding: 0 20px;
    }

    .hero {
        padding: 60px 1.25rem 50px 1.25rem;
        min-height: auto;
    }

    .hero__title {
        font-size: 32px;
    }

    .hero__advantages {
        grid-template-columns: repeat(1, 1fr);
    }
    
    @media (max-width: 600px) {
        .hero__advantages {
            grid-template-columns: 1fr;
        }
    }

    .header {
        padding: 16px 0 8px 0;
    }

    .header__content {
        flex-wrap: nowrap;
    }

    .header__contacts {
        display: none;
    }

    .header__messengers {
        display: none;
    }

    .header__callback {
        display: none;
    }

    .header__burger {
        display: flex;
    }

    .section-title {
        font-size: 28px;
    }

    .main-form,
    .contact-form {
        padding: 40px 30px;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .services__grid,
    .reviews__grid {
        grid-template-columns: 1fr;
    }

    .guarantees__grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .statistics__grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 24px;
    }

    .contacts__info {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .step-item {
        grid-template-columns: 60px 1fr;
        gap: 24px;
        padding: 30px;
    }

    .step-item__number {
        font-size: 36px;
    }

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

    .bank-logo {
        display: flex;
        justify-content: center;
        align-items: center;
    }

    .bank-logo__img {
        height: 35px;
    }

    .hero__actions {
        flex-direction: column;
        width: 100%;
    }

    .hero__cta,
    .hero__main-site-link {
        width: 100%;
        justify-content: center;
    }

    .form-group {
        margin-bottom: 20px;
    }

    .contact-messengers__links {
        flex-direction: row;
        justify-content: center;
    }

    .section-title {
        margin-bottom: 16px;
    }

    .section-subtitle {
        margin-bottom: 40px;
    }

    .hero {
        padding: 60px 0 50px;
    }

    .form-section,
    .statistics,
    .guarantees,
    .services,
    .reviews,
    .faq,
    .documents,
    .contact-form-section,
    .contacts,
    .how-it-works {
        padding: 60px 0;
    }

    .documents__grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }

    .footer__main {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .footer__nav {
        grid-template-columns: repeat(2, 1fr);
        gap: 40px;
    }

    .footer__consultation-title {
        font-size: 24px;
    }

    .messenger-buttons {
        flex-direction: column;
        width: 100%;
    }

    .messenger-btn {
        width: 100%;
        justify-content: center;
    }
}

/* При ширине <600px фон сдвигается вправо: обрезка идёт справа, левая часть не привязана */
@media (max-width: 600px) {
    .hero {
        background-position: calc(100% + (600px - 100vw) * 0.5) center;
    }
}

@media (max-width: 480px) {
    .hero {
        padding: 40px 1rem 36px;
    }

    .hero__title {
        font-size: 24px;
    }

    .section-title {
        font-size: 24px;
    }

    .main-form,
    .contact-form,
    .modal__content {
        padding: 30px 20px;
    }
    
    .service-card,
    .review-card,
    .guarantee-card {
        padding: 30px 24px;
    }

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

    .statistic-item__number {
        font-size: 36px;
    }

    .step-item {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .step-item__number {
        font-size: 32px;
        margin-bottom: 16px;
    }

    .footer {
        padding: 60px 0 40px;
    }

    .footer__main {
        gap: 30px;
    }

    .footer__nav {
        grid-template-columns: 1fr;
        gap: 30px;
    }

    .footer__consultation-title {
        font-size: 20px;
    }

    .footer__consultation-text {
        font-size: 14px;
    }

    .footer__consultation-btn {
        width: 100%;
    }
}

/* Animations */
@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.service-card,
.review-card,
.faq-item {
    animation: fadeIn 0.6s ease-out;
}

/* Smooth scroll */
html {
    scroll-behavior: smooth;
}

/* Selection */
::selection {
    background-color: var(--orange);
    color: var(--dark-blue);
}

::-moz-selection {
    background-color: var(--orange);
    color: var(--dark-blue);
}