:root{
  --ink:#0B1220;
  --ink-2:#111C2E;
  --paper:#F3F5F7;
  --card:#FFFFFF;
  --line:#DDE3E9;
  --text:#10151C;
  --muted:#586573;
  --amber:#FF7A1A;
  --amber-deep:#DC5A00;
  --sber:#21A038;
  --radius:14px;
  --maxw:1180px;
  --font-display:'Space Grotesk', sans-serif;
  --font-body:'Inter', sans-serif;
  --font-mono:'IBM Plex Mono', monospace;
}

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

body{
  margin:0;
  font-family:var(--font-body);
  color:var(--text);
  background:var(--paper);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}

h1,h2,h3{
  font-family:var(--font-display);
  line-height:1.15;
  margin:0;
  letter-spacing:-0.01em;
}

p{margin:0;}
a{color:inherit;}
ul{margin:0;padding:0;list-style:none;}
img,svg{display:block;max-width:100%;}

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

.skip-link{
  position:absolute; left:-999px; top:0;
  background:var(--amber); color:#fff; padding:12px 20px;
  z-index:1000; border-radius:0 0 8px 0; font-weight:600;
}
.skip-link:focus{left:0;}

a:focus-visible, button:focus-visible, input:focus-visible, textarea:focus-visible, select:focus-visible{
  outline:3px solid var(--amber);
  outline-offset:2px;
}

.eyebrow{
  font-family:var(--font-mono);
  font-size:0.78rem;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--amber);
  font-weight:600;
}

/* ---------- HEADER ---------- */
.site-header{
  position:sticky; top:0; z-index:100;
  background:rgba(11,18,32,0.92);
  backdrop-filter:blur(8px);
  border-bottom:1px solid rgba(255,255,255,0.08);
}
.site-header .container{
  display:flex; align-items:center; justify-content:space-between;
  height:76px;
}
.logo{
  font-family:var(--font-display);
  font-weight:700;
  font-size:1.25rem;
  color:#fff;
  text-decoration:none;
  display:flex; align-items:center; gap:10px;
}
.logo-mark{
  width:34px; height:34px; border-radius:8px;
  background:var(--amber);
  display:flex; align-items:center; justify-content:center;
  color:var(--ink);
  font-family:var(--font-mono); font-weight:600; font-size:0.85rem;
  flex-shrink:0;
}
.main-nav{display:flex; align-items:center; gap:36px;}
.main-nav ul{display:flex; gap:28px;}
.main-nav a{
  color:rgba(255,255,255,0.82);
  text-decoration:none;
  font-size:0.95rem;
  font-weight:500;
  transition:color 0.2s;
}
.main-nav a:hover{color:#fff;}
.header-cta{display:flex; align-items:center; gap:18px;}
.header-phone{
  color:#fff; text-decoration:none; font-weight:600;
  font-family:var(--font-mono); font-size:0.95rem; white-space:nowrap;
}
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  gap:8px; padding:13px 24px; border-radius:999px;
  font-family:var(--font-body); font-weight:600; font-size:0.95rem;
  text-decoration:none; border:none; cursor:pointer;
  transition:transform 0.15s, box-shadow 0.15s, background 0.15s;
  white-space:nowrap;
}
.btn-primary{background:var(--amber); color:#1A0900;}
.btn-primary:hover{background:var(--amber-deep); transform:translateY(-1px);}
.btn-ghost{background:transparent; color:#fff; border:1px solid rgba(255,255,255,0.35);}
.btn-ghost:hover{border-color:#fff;}
.btn-dark{background:var(--ink); color:#fff;}
.btn-dark:hover{background:var(--ink-2); transform:translateY(-1px);}

.nav-toggle{
  display:none; background:none; border:none; color:#fff; padding:8px;
  cursor:pointer; border-radius:8px;
}
.nav-toggle:hover{background:rgba(255,255,255,0.08);}
.nav-toggle svg{width:26px; height:26px;}
.nav-toggle .icon-close{display:none;}
.nav-toggle[aria-expanded="true"] .icon-menu{display:none;}
.nav-toggle[aria-expanded="true"] .icon-close{display:block;}

/* ---------- HERO ---------- */
.hero{
  background:
    radial-gradient(ellipse 900px 500px at 85% -10%, rgba(255,122,26,0.16), transparent 60%),
    var(--ink);
  color:#fff;
  padding:76px 0 0;
  overflow:hidden;
  position:relative;
}
.hero-grid{
  display:grid;
  grid-template-columns:1.05fr 0.95fr;
  gap:56px;
  align-items:center;
  padding:64px 0 40px;
}
.hero h1{
  font-size:clamp(2.2rem, 4.4vw, 3.4rem);
  font-weight:700;
  margin-top:16px;
}
.hero h1 .accent{color:var(--amber);}
.hero-sub{
  margin-top:22px;
  font-size:1.08rem;
  color:rgba(255,255,255,0.78);
  max-width:52ch;
}
.hero-actions{
  display:flex; gap:14px; margin-top:32px; flex-wrap:wrap;
}
.hero-chips{
  display:flex; gap:10px; flex-wrap:wrap; margin-top:36px;
}
.chip{
  font-family:var(--font-mono); font-size:0.78rem;
  border:1px solid rgba(255,255,255,0.18);
  border-radius:999px; padding:7px 14px;
  color:rgba(255,255,255,0.75);
}
.chip b{color:#fff;}

/* Route diagram */
.route-card{
  background:rgba(255,255,255,0.04);
  border:1px solid rgba(255,255,255,0.10);
  border-radius:20px;
  padding:28px 24px 22px;
  position:relative;
}
.route-card-label{
  font-family:var(--font-mono); font-size:0.72rem; letter-spacing:0.1em;
  text-transform:uppercase; color:rgba(255,255,255,0.5); margin-bottom:18px;
  display:block;
}
.route-svg-wrap{position:relative;}
.route-dot{fill:var(--amber);}
.route-line-main{
  stroke:var(--amber);
  stroke-width:2.5;
  fill:none;
  stroke-dasharray:6 6;
  animation:dash 22s linear infinite;
}
@keyframes dash{ to{ stroke-dashoffset:-240; } }
.route-line-rival{
  stroke:rgba(255,255,255,0.22);
  stroke-width:2;
  fill:none;
  stroke-dasharray:3 5;
}
.route-label{
  font-family:var(--font-mono); font-size:11px; fill:rgba(255,255,255,0.85);
}
.route-label-muted{
  font-family:var(--font-mono); font-size:10px; fill:rgba(255,255,255,0.42);
}
.route-node{
  fill:var(--ink); stroke:var(--amber); stroke-width:2;
}
.route-node-rival{
  fill:var(--ink); stroke:rgba(255,255,255,0.3); stroke-width:1.5;
}
.route-compare{
  display:flex; justify-content:space-between; margin-top:20px;
  padding-top:18px; border-top:1px solid rgba(255,255,255,0.1);
}
.route-compare div{text-align:left;}
.route-compare .num{
  font-family:var(--font-mono); font-weight:600; font-size:1.3rem; color:var(--amber);
  display:block;
}
.route-compare .num.rival{color:rgba(255,255,255,0.45);}
.route-compare .lbl{font-size:0.78rem; color:rgba(255,255,255,0.6);}

.stamp{
  position:absolute; top:-14px; right:-14px;
  width:92px; height:92px; border-radius:50%;
  border:2px dashed var(--amber);
  display:flex; align-items:center; justify-content:center;
  transform:rotate(-14deg);
  background:rgba(11,18,32,0.9);
}
.stamp span{
  font-family:var(--font-mono); font-size:9.5px; font-weight:600;
  color:var(--amber); text-transform:uppercase; text-align:center;
  letter-spacing:0.06em; line-height:1.35;
}

/* ---------- SECTIONS ---------- */
.section{padding:88px 0;}
.section-head{max-width:640px; margin-bottom:48px;}
.section-head h2{font-size:clamp(1.7rem, 3vw, 2.3rem); margin-top:14px;}
.section-head p{margin-top:14px; color:var(--muted); font-size:1.02rem;}
.section-alt{background:#fff;}

/* Advantages */
.adv-grid{
  display:grid; grid-template-columns:repeat(3, 1fr); gap:22px;
}
.adv-card{
  background:var(--card); border:1px solid var(--line);
  border-radius:var(--radius); padding:28px 24px;
}
.adv-card.highlight{
  background:var(--ink); color:#fff; border-color:var(--ink);
}
.adv-icon{
  width:42px; height:42px; border-radius:10px;
  background:rgba(255,122,26,0.12); color:var(--amber-deep);
  display:flex; align-items:center; justify-content:center;
  margin-bottom:18px;
}
.adv-card.highlight .adv-icon{background:rgba(255,122,26,0.18); color:var(--amber);}
.adv-icon svg{width:22px; height:22px;}
.adv-card h3{font-size:1.12rem; margin-bottom:10px;}
.adv-card p{color:var(--muted); font-size:0.96rem;}
.adv-card.highlight p{color:rgba(255,255,255,0.72);}

/* How it works */
.steps{
  display:grid; grid-template-columns:repeat(6,1fr); gap:16px;
  counter-reset:step;
}
.step{
  background:var(--card); border:1px solid var(--line); border-radius:var(--radius);
  padding:22px 18px; position:relative;
}
.step-num{
  font-family:var(--font-mono); font-weight:600; color:var(--amber-deep);
  font-size:0.85rem; display:block; margin-bottom:14px;
}
.step h3{font-size:0.98rem; margin-bottom:8px;}
.step p{font-size:0.86rem; color:var(--muted);}

/* Credit / Sberbank */
.credit{
  background:var(--ink);
  color:#fff;
  border-radius:24px;
  padding:56px;
  display:grid; grid-template-columns:1fr 0.85fr; gap:48px; align-items:center;
}
.credit-eyebrow{
  display:inline-flex; align-items:center; gap:8px;
  font-family:var(--font-mono); font-size:0.78rem; letter-spacing:0.1em;
  text-transform:uppercase; color:var(--sber); font-weight:600;
}
.sber-dot{width:8px; height:8px; border-radius:50%; background:var(--sber);}
.credit h2{margin-top:14px; font-size:clamp(1.6rem,2.6vw,2.1rem);}
.credit-list{margin-top:24px; display:flex; flex-direction:column; gap:14px;}
.credit-list li{display:flex; gap:12px; align-items:flex-start; color:rgba(255,255,255,0.85); font-size:0.98rem;}
.credit-list svg{flex-shrink:0; margin-top:3px; width:18px; height:18px; color:var(--sber);}
.credit-note{margin-top:22px; font-size:0.82rem; color:rgba(255,255,255,0.45);}
.credit-card{
  background:rgba(255,255,255,0.05); border:1px solid rgba(255,255,255,0.12);
  border-radius:18px; padding:28px;
}
.credit-card-row{
  display:flex; justify-content:space-between; padding:14px 0;
  border-bottom:1px solid rgba(255,255,255,0.08);
  font-size:0.92rem;
}
.credit-card-row:last-of-type{border-bottom:none;}
.credit-card-row span:first-child{color:rgba(255,255,255,0.55);}
.credit-card-row span:last-child{font-family:var(--font-mono); font-weight:600;}
.credit-card .btn{width:100%; margin-top:20px;}

/* Stats band */
.stats-band{
  background:#fff;
  border-top:1px solid var(--line);
  border-bottom:1px solid var(--line);
  padding:56px 0;
}
.stats-grid{display:grid; grid-template-columns:repeat(4,1fr); gap:24px; text-align:left;}
.stat b{
  font-family:var(--font-mono); font-size:clamp(1.8rem,3vw,2.4rem);
  color:var(--ink); display:block; font-weight:600;
}
.stat span{color:var(--muted); font-size:0.9rem;}

/* Cities */
.cities-list{display:flex; flex-wrap:wrap; gap:10px;}
.city-chip{
  background:#fff; border:1px solid var(--line); border-radius:999px;
  padding:9px 18px; font-size:0.92rem; font-weight:500;
}

/* Brands */
.brands-cols{display:grid; grid-template-columns:1fr 1fr; gap:32px;}
.brand-block{background:#fff; border:1px solid var(--line); border-radius:var(--radius); padding:26px 28px;}
.brand-block-head{
  display:flex; align-items:baseline; justify-content:space-between;
  gap:10px; margin-bottom:14px; flex-wrap:wrap;
}
.brand-block-head h3{font-size:1.05rem; display:flex; align-items:center; gap:10px;}
.brand-block-note{
  font-family:var(--font-mono); font-size:0.72rem; letter-spacing:0.08em;
  text-transform:uppercase; color:var(--muted); white-space:nowrap;
}
.flag-dot{width:10px; height:10px; border-radius:2px; flex-shrink:0;}
.flag-cn{background:#DE2910;}
.flag-kr{background:#003478;}
.brand-tags{display:flex; flex-wrap:wrap; gap:8px;}
.brand-tag{
  font-size:0.86rem; color:var(--muted); background:var(--paper);
  border-radius:8px; padding:6px 12px;
}
.brand-tag-premium{
  color:var(--amber-deep); background:rgba(255,122,26,0.07);
  border:1px solid rgba(255,122,26,0.35); font-weight:600;
}
.brands-note{
  margin-top:18px; font-size:0.86rem; color:var(--muted);
}

/* Contact */
.contact-grid{display:grid; grid-template-columns:0.85fr 1.15fr; gap:48px;}
.contact-info h2{font-size:clamp(1.6rem,2.6vw,2rem);}
.contact-info p.lead{margin-top:14px; color:var(--muted);}
.contact-details{margin-top:32px; display:flex; flex-direction:column; gap:22px;}
.contact-detail{display:flex; gap:14px; align-items:flex-start;}
.contact-detail-icon{
  width:38px; height:38px; border-radius:10px; background:#fff;
  border:1px solid var(--line); display:flex; align-items:center; justify-content:center;
  flex-shrink:0; color:var(--amber-deep);
}
.contact-detail-icon svg{width:18px; height:18px;}
.contact-detail a{text-decoration:none; font-weight:600;}
.contact-detail .label{display:block; font-size:0.82rem; color:var(--muted); margin-bottom:2px;}
.legal-note{margin-top:28px; font-size:0.8rem; color:var(--muted); line-height:1.7;}

.form-card{
  background:#fff; border:1px solid var(--line); border-radius:20px; padding:36px;
}
.form-row{margin-bottom:18px;}
.form-row label{
  display:block; font-size:0.86rem; font-weight:600; margin-bottom:7px;
}
.form-row input, .form-row textarea, .form-row select{
  width:100%; padding:13px 14px; border-radius:10px;
  border:1px solid var(--line); font-family:var(--font-body); font-size:0.96rem;
  background:var(--paper);
}
.form-row textarea{resize:vertical; min-height:96px;}
.form-grid-2{display:grid; grid-template-columns:1fr 1fr; gap:16px;}
.consent-row{display:flex; gap:10px; align-items:flex-start; margin-bottom:22px;}
.consent-row input{width:auto; margin-top:4px;}
.consent-row label{font-size:0.82rem; color:var(--muted); font-weight:400;}
.consent-row a{color:var(--amber-deep); text-decoration:underline;}
.form-submit{width:100%;}
.form-success{
  display:none; background:#EFFAF1; border:1px solid #BEE7C6; color:#166534;
  border-radius:12px; padding:16px 18px; font-size:0.92rem; margin-top:16px;
}
.form-success.visible{display:block;}

/* Footer */
.site-footer{background:var(--ink); color:rgba(255,255,255,0.65); padding:56px 0 28px;}
.footer-grid{display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr; gap:32px;}
.footer-logo{color:#fff; font-family:var(--font-display); font-weight:700; font-size:1.15rem; margin-bottom:14px; display:block;}
.footer-about{max-width:32ch; font-size:0.88rem;}
.footer-col h4{color:#fff; font-size:0.92rem; margin-bottom:16px; font-weight:600;}
.footer-col ul{display:flex; flex-direction:column; gap:10px;}
.footer-col a{text-decoration:none; font-size:0.9rem; color:rgba(255,255,255,0.62);}
.footer-col a:hover{color:#fff;}
.footer-bottom{
  margin-top:44px; padding-top:24px; border-top:1px solid rgba(255,255,255,0.1);
  display:flex; justify-content:space-between; flex-wrap:wrap; gap:12px;
  font-size:0.8rem; color:rgba(255,255,255,0.4);
}
.footer-bottom a{color:rgba(255,255,255,0.65); text-decoration:underline;}
.footer-bottom a:hover{color:#fff;}

.reveal{opacity:0; transform:translateY(16px); transition:opacity 0.6s ease, transform 0.6s ease;}
.reveal.in{opacity:1; transform:translateY(0);}

/* ---------- POLICY PAGE ---------- */
.policy-hero{
  background:var(--ink); color:#fff; padding:52px 0 44px;
}
.policy-hero .eyebrow{display:block; margin-bottom:12px;}
.policy-hero h1{font-size:clamp(1.7rem,3vw,2.3rem);}
.policy-hero p{margin-top:14px; color:rgba(255,255,255,0.68); max-width:60ch;}
.policy-updated{
  margin-top:18px; font-family:var(--font-mono); font-size:0.8rem;
  color:rgba(255,255,255,0.5);
}
.back-link{
  display:inline-flex; align-items:center; gap:8px;
  color:rgba(255,255,255,0.7); text-decoration:none; font-size:0.9rem;
  margin-bottom:22px;
}
.back-link:hover{color:#fff;}
.back-link svg{width:16px; height:16px;}

.policy-body{padding:56px 0 88px;}
.policy-layout{display:grid; grid-template-columns:260px 1fr; gap:48px; align-items:start;}
.policy-toc{
  position:sticky; top:96px;
  background:#fff; border:1px solid var(--line); border-radius:var(--radius);
  padding:22px;
}
.policy-toc h4{font-size:0.85rem; margin-bottom:12px; color:var(--muted); text-transform:uppercase; letter-spacing:0.06em; font-family:var(--font-mono);}
.policy-toc ol{counter-reset:toc; display:flex; flex-direction:column; gap:9px;}
.policy-toc li{counter-increment:toc; font-size:0.87rem;}
.policy-toc a{text-decoration:none; color:var(--text);}
.policy-toc a:hover{color:var(--amber-deep);}
.policy-toc li::before{content:counter(toc) ". "; color:var(--amber-deep); font-weight:600; font-family:var(--font-mono); font-size:0.8rem;}

.policy-doc{
  background:#fff; border:1px solid var(--line); border-radius:var(--radius);
  padding:40px 44px;
}
.policy-doc section{margin-bottom:36px;}
.policy-doc section:last-child{margin-bottom:0;}
.policy-doc h2{
  font-size:1.15rem; display:flex; align-items:baseline; gap:10px; margin-bottom:14px;
  scroll-margin-top:96px;
}
.policy-doc h2 .num{color:var(--amber-deep); font-family:var(--font-mono); font-size:0.95rem;}
.policy-doc p{color:var(--text); font-size:0.96rem; margin-bottom:12px;}
.policy-doc p:last-child{margin-bottom:0;}
.policy-doc ul, .policy-doc ol.plain{
  display:flex; flex-direction:column; gap:8px; margin:12px 0; padding-left:22px;
}
.policy-doc ul{list-style:disc;}
.policy-doc ol.plain{list-style:decimal;}
.policy-doc li{font-size:0.96rem; color:var(--text);}
.policy-doc .muted{color:var(--muted); font-size:0.88rem;}
.policy-doc .req-box{
  background:var(--paper); border:1px solid var(--line); border-radius:12px;
  padding:20px 22px; margin-top:8px;
}
.policy-doc .req-box p{margin-bottom:6px; font-size:0.92rem;}
.policy-doc table{width:100%; border-collapse:collapse; margin-top:8px; font-size:0.9rem;}
.policy-doc th, .policy-doc td{text-align:left; padding:10px 12px; border-bottom:1px solid var(--line); vertical-align:top;}
.policy-doc th{color:var(--muted); font-weight:600; font-size:0.82rem; text-transform:uppercase; letter-spacing:0.04em;}
.policy-note{
  margin-top:24px; font-size:0.82rem; color:var(--muted);
  background:var(--paper); border:1px solid var(--line); border-radius:12px; padding:16px 18px;
}

@media (max-width:900px){
  .policy-layout{grid-template-columns:1fr;}
  .policy-toc{position:static;}
  .policy-doc{padding:28px 22px;}
}

/* ---------- RESPONSIVE ---------- */
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr; gap:40px; padding:40px 0 32px;}
  .adv-grid{grid-template-columns:repeat(2,1fr);}
  .steps{grid-template-columns:repeat(3,1fr);}
  .credit{grid-template-columns:1fr; padding:36px 28px;}
  .stats-grid{grid-template-columns:repeat(2,1fr); row-gap:28px;}
  .brands-cols{grid-template-columns:1fr;}
  .contact-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
}
@media (max-width:720px){
  .main-nav{
    display:none;
    position:absolute; top:76px; left:0; right:0;
    background:var(--ink);
    padding:8px 24px 20px;
    border-bottom:1px solid rgba(255,255,255,0.08);
    box-shadow:0 12px 24px rgba(0,0,0,0.25);
  }
  .main-nav.is-open{display:block;}
  .main-nav.is-open ul{flex-direction:column; gap:2px;}
  .main-nav.is-open ul li{width:100%;}
  .main-nav.is-open ul a{
    display:block; padding:14px 4px;
    border-bottom:1px solid rgba(255,255,255,0.06);
  }
  .nav-toggle{display:flex;}
  .header-phone{display:none;}
  .adv-grid{grid-template-columns:1fr;}
  .steps{grid-template-columns:repeat(2,1fr);}
  .stats-grid{grid-template-columns:1fr 1fr;}
  .form-grid-2{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .section{padding:64px 0;}
  .route-compare{flex-direction:column; gap:14px;}
  .brand-block{padding:22px 20px;}
}
@media (max-width:480px){
  .steps{grid-template-columns:1fr;}
  .stats-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .hero-actions{flex-direction:column; align-items:stretch;}
  .hero-actions .btn{width:100%;}
  .stamp{width:76px; height:76px; top:-10px; right:-10px;}
  .policy-doc{padding:22px 16px;}
  .policy-hero{padding:40px 0 32px;}
}