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

:root {
  --blue: #0056B3;
  --blue-hover: #004799;
  --blue-light: #F0F7FF;
  --blue-border: #B8D4F0;
  --navy: #1A2B4A;
  --grey: #5A6478;
  --grey-light: #8B95A8;
  --white: #FFFFFF;
  --border: #D8DEE8;
  --shadow: 0 2px 16px rgba(0, 86, 179, 0.06);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--white);
  color: var(--navy);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }

img { max-width: 100%; height: auto; }

.container {
  max-width: 1040px;
  margin: 0 auto;
  padding: 0 48px;
}

/* Header */
.site-header { padding: 32px 0 24px; }

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

.logo {
  font-size: 26px;
  font-weight: 700;
  color: var(--blue);
  letter-spacing: -0.5px;
  text-decoration: none;
}

.logo:hover { text-decoration: none; }

.header-phone {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--blue);
  font-weight: 500;
  font-size: 15px;
  text-decoration: none;
}

.header-phone:hover { text-decoration: none; opacity: 0.85; }
.header-phone svg { flex-shrink: 0; }

/* Hero */
.hero {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: center;
  padding: 16px 0 48px;
}

.hero h1 {
  font-size: 36px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 20px;
  letter-spacing: -0.4px;
}

.hero-lead {
  font-size: 16px;
  color: var(--grey);
  line-height: 1.65;
  max-width: 420px;
}

.hero-illustration {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
  min-height: 340px;
}

.hero-bg {
  position: absolute;
  width: 340px;
  height: 300px;
  background: var(--blue-light);
  border-radius: 28px;
  z-index: 0;
  transform: rotate(-2deg);
}

.bank-statement {
  position: relative;
  z-index: 1;
  background: var(--white);
  border-radius: 18px;
  box-shadow: 0 16px 48px rgba(0, 86, 179, 0.12);
  padding: 26px 28px 32px;
  width: 310px;
  transform: rotate(4deg);
}

.bank-statement-title {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  text-align: center;
  margin-bottom: 18px;
}

.bank-cols {
  display: grid;
  grid-template-columns: 1fr 1.4fr 1fr;
  gap: 8px;
  padding-bottom: 12px;
  border-bottom: 1px solid #ECEFF4;
  margin-bottom: 14px;
}

.bank-cols span {
  font-size: 11px;
  font-weight: 500;
  color: var(--grey-light);
}

.bank-cols span:last-child { text-align: right; }

.bank-highlight {
  display: grid;
  grid-template-columns: 1fr 1.4fr 1fr;
  gap: 8px;
  align-items: center;
  background: var(--white);
  border-radius: 12px;
  box-shadow: 0 6px 20px rgba(0, 86, 179, 0.14);
  padding: 14px 16px;
  margin-bottom: 16px;
}

.bank-highlight-op {
  font-size: 14px;
  font-weight: 700;
  color: #1A1A2E;
  letter-spacing: 0.2px;
}

.bank-highlight-amount {
  font-size: 14px;
  font-weight: 700;
  color: var(--blue);
  text-align: right;
}

.bank-skeleton { display: flex; flex-direction: column; gap: 12px; }

.bank-skeleton-row {
  display: grid;
  grid-template-columns: 1fr 1.4fr 1fr;
  gap: 8px;
  align-items: center;
}

.bank-skeleton-row span {
  display: block;
  height: 8px;
  background: #E8ECF2;
  border-radius: 4px;
}

.bank-skeleton-row span:nth-child(1) { width: 70%; }
.bank-skeleton-row span:nth-child(2) { width: 85%; }
.bank-skeleton-row span:nth-child(3) { width: 60%; margin-left: auto; }

.bank-skeleton-row:nth-child(2) span:nth-child(1) { width: 55%; }
.bank-skeleton-row:nth-child(2) span:nth-child(2) { width: 75%; }
.bank-skeleton-row:nth-child(2) span:nth-child(3) { width: 50%; }

.bank-skeleton-row:nth-child(3) span:nth-child(1) { width: 65%; }
.bank-skeleton-row:nth-child(3) span:nth-child(2) { width: 90%; }
.bank-skeleton-row:nth-child(3) span:nth-child(3) { width: 55%; }

.bank-icon {
  position: absolute;
  bottom: -12px;
  right: -10px;
  width: 42px;
  height: 42px;
  background: #B8D9F5;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(0, 86, 179, 0.2);
  z-index: 2;
}

/* Advisory */
.advisory {
  background: var(--blue-light);
  border: 1px solid var(--blue-border);
  border-radius: 16px;
  padding: 32px 36px;
  display: flex;
  gap: 24px;
  margin-bottom: 72px;
}

.advisory-icon {
  flex-shrink: 0;
  width: 56px;
  height: 56px;
  background: #D6EBFF;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.advisory h2 {
  font-size: 18px;
  font-weight: 700;
  color: var(--blue);
  margin-bottom: 10px;
}

.advisory-text {
  font-size: 14px;
  color: var(--grey);
  margin-bottom: 20px;
  line-height: 1.65;
}

.checklist {
  list-style: none;
  margin-bottom: 20px;
}

.checklist li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: var(--navy);
  margin-bottom: 10px;
  font-weight: 400;
}

.checklist li svg { flex-shrink: 0; margin-top: 2px; }

.advisory-footer {
  font-size: 13px;
  color: var(--grey);
  line-height: 1.65;
}

/* Sections */
.section-title {
  text-align: center;
  font-size: 24px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 36px;
  letter-spacing: -0.2px;
}

.contact-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 80px;
}

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 40px 28px 36px;
  text-align: center;
  box-shadow: var(--shadow);
}

.card-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 20px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.card h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.card p {
  font-size: 14px;
  color: var(--grey);
  line-height: 1.55;
  margin-bottom: 16px;
}

.card a {
  font-size: 15px;
  font-weight: 600;
  text-decoration: none;
}

.card a:hover { text-decoration: underline; }

/* Form */
.form-section { margin-bottom: 80px; }

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

.form-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.form-group.full { grid-column: 1 / -1; }

.form-label {
  font-size: 13px;
  font-weight: 500;
  color: var(--navy);
}

input, textarea {
  font-family: inherit;
  font-size: 14px;
  padding: 14px 16px;
  border: 1px solid var(--border);
  border-radius: 10px;
  color: var(--navy);
  background: var(--white);
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s;
  width: 100%;
}

input:focus, textarea:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(0, 86, 179, 0.12);
}

input::placeholder, textarea::placeholder { color: #A8B2C4; }

input.error, textarea.error { border-color: #D93025; }

.field-error {
  font-size: 12px;
  color: #D93025;
  display: none;
}

.field-error.visible { display: block; }

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

.amount-input-wrap { position: relative; }

.amount-input-wrap input { padding-right: 36px; }

.amount-suffix {
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 14px;
  font-weight: 500;
  color: var(--blue);
  pointer-events: none;
}

input[type="date"] {
  color-scheme: light;
  min-height: 48px;
}

input[type="number"]::-webkit-inner-spin-button,
input[type="number"]::-webkit-outer-spin-button {
  opacity: 1;
}

.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-top: 28px;
  margin-bottom: 28px;
}

.checkbox-group input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 1px;
  flex-shrink: 0;
  accent-color: var(--blue);
  padding: 0;
  border-radius: 3px;
}

.checkbox-group label {
  font-size: 13px;
  color: var(--grey);
  font-weight: 400;
  line-height: 1.55;
}

.btn-submit {
  width: 100%;
  padding: 18px;
  background: var(--blue);
  color: var(--white);
  border: none;
  border-radius: 10px;
  font-family: inherit;
  font-size: 16px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s;
}

.btn-submit:hover:not(:disabled) { background: var(--blue-hover); }
.btn-submit:disabled { opacity: 0.65; cursor: not-allowed; }

.form-modal {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
}

.form-modal[hidden] { display: none; }

.form-modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(26, 43, 74, 0.55);
  backdrop-filter: blur(4px);
}

.form-modal-box {
  position: relative;
  width: 100%;
  max-width: 440px;
  background: var(--white);
  border-radius: 16px;
  padding: 36px 32px 28px;
  text-align: center;
  box-shadow: 0 24px 64px rgba(26, 43, 74, 0.2);
  animation: modal-in 0.25s ease;
}

@keyframes modal-in {
  from { opacity: 0; transform: translateY(12px) scale(0.97); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}

.form-modal-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 20px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.form-modal-icon.success {
  background: #E6F4EA;
  color: #1E7E34;
}

.form-modal-icon.error {
  background: #FCE8E6;
  color: #C5221F;
}

.form-modal-title {
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}

.form-modal-text {
  font-size: 15px;
  color: var(--grey);
  line-height: 1.6;
  margin-bottom: 28px;
}

.form-modal-btn {
  width: 100%;
  padding: 16px;
  background: var(--blue);
  color: var(--white);
  border: none;
  border-radius: 10px;
  font-family: inherit;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s;
}

.form-modal-btn:hover { background: var(--blue-hover); }

body.modal-open { overflow: hidden; }

.response-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-top: 18px;
  padding: 14px 24px;
  background: var(--blue-light);
  border-radius: 999px;
  font-size: 13px;
  color: var(--blue);
  font-weight: 500;
}

.hp-field {
  position: absolute;
  left: -9999px;
  opacity: 0;
  height: 0;
  width: 0;
  overflow: hidden;
}

/* Legal pages */
.legal-page { padding: 20px 0 60px; }

.legal-page h1 {
  font-size: 30px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}

.legal-page .legal-updated {
  font-size: 14px;
  color: var(--grey);
  margin-bottom: 36px;
}

.legal-page h2 {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin: 32px 0 12px;
}

.legal-page p, .legal-page li {
  font-size: 15px;
  color: var(--grey);
  line-height: 1.7;
  margin-bottom: 12px;
}

.legal-page ul { padding-left: 22px; margin-bottom: 16px; }

/* Footer */
.site-footer {
  text-align: center;
  padding: 40px 0 56px;
  font-size: 13px;
  color: var(--blue);
}

.site-footer a {
  color: var(--blue);
  text-decoration: none;
}

.site-footer a:hover { text-decoration: underline; }
.site-footer span { margin: 0 10px; color: var(--blue-border); }

.site-version { color: var(--blue-border); font-size: 12px; }

@media (max-width: 900px) {
  .hero { grid-template-columns: 1fr; gap: 32px; }
  .hero-illustration { order: -1; min-height: 260px; }
  .hero h1 { font-size: 28px; }
  .contact-cards { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .advisory { flex-direction: column; padding: 24px; }
  .container { padding: 0 20px; }
}