/* ============================================================
   ФинЭксперт Консалтинг — общий стиль сайта
   ============================================================ */

:root {
  --navy-900: #06301c;
  --navy-800: #0b3f24;
  --navy-700: #145535;
  --gold-500: #c8932b;
  --gold-400: #d9a73a;
  --gray-50:  #f7f8fa;
  --gray-100: #eef1f5;
  --gray-200: #dde2ea;
  --gray-500: #667085;
  --gray-700: #344054;
  --gray-900: #101828;
  --white:    #ffffff;
  --radius:   10px;
  --shadow-sm: 0 1px 3px rgba(16, 24, 40, 0.08);
  --shadow-md: 0 6px 20px rgba(16, 24, 40, 0.10);
  --max-width: 1140px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  color: var(--gray-900);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

a { color: inherit; text-decoration: none; }

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

/* ---------- Top bar ---------- */
.topbar {
  background: var(--navy-900);
  color: var(--gray-100);
  font-size: 13.5px;
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  padding-top: 8px;
  padding-bottom: 8px;
  gap: 8px;
}
.topbar a { color: var(--gray-100); }
.topbar a:hover { color: var(--gold-400); }
.topbar__contacts { display: flex; gap: 20px; flex-wrap: wrap; align-items: center; }
.whatsapp-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: #4fd97a;
  font-weight: 600;
}
.whatsapp-link:hover { color: #6fe896; }
.whatsapp-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: #1a9e4e;
  font-weight: 600;
  font-size: 14px;
}
.whatsapp-btn:hover { color: #147a3c; }
.phone-list a { display: block; margin-bottom: 4px; }

/* ---------- Header / Nav ---------- */
header.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  position: sticky;
  top: 0;
  z-index: 50;
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
}
.logo__img {
  height: 46px;
  width: auto;
  display: block;
}
nav.main-nav ul {
  list-style: none;
  display: flex;
  gap: 30px;
  margin: 0;
  padding: 0;
}
nav.main-nav a {
  font-size: 15px;
  font-weight: 500;
  color: var(--gray-700);
  padding: 6px 2px;
  border-bottom: 2px solid transparent;
}
nav.main-nav a:hover,
nav.main-nav a.active {
  color: var(--navy-900);
  border-bottom-color: var(--gold-500);
}

/* ---------- Mobile nav toggle ---------- */
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 36px;
  height: 36px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0;
  flex-shrink: 0;
}
.nav-toggle span {
  display: block;
  height: 2px;
  width: 100%;
  background: var(--navy-900);
  border-radius: 2px;
  transition: transform 0.2s ease, opacity 0.2s ease;
}
.nav-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }
.nav-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(6, 16, 10, 0.5);
  z-index: 55;
}
.nav-overlay.open { display: block; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  border: none;
  transition: transform 0.12s ease, box-shadow 0.12s ease, background 0.12s ease;
}
.btn-primary {
  background: var(--gold-500);
  color: var(--white);
}
.btn-primary:hover { background: var(--gold-400); box-shadow: var(--shadow-md); }
.btn-outline {
  background: transparent;
  color: var(--navy-900);
  border: 1.5px solid var(--navy-900);
}
.btn-outline:hover { background: var(--navy-900); color: var(--white); }
.btn-block { width: 100%; }

/* ---------- Hero ---------- */
.hero {
  background: radial-gradient(1100px 500px at 85% -10%, #1d6b3e 0%, transparent 60%), var(--navy-900);
  color: var(--white);
  padding: 76px 0 90px;
}
.hero .container {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: center;
}
.eyebrow {
  display: inline-block;
  background: rgba(209, 163, 82, 0.15);
  color: var(--gold-400);
  font-size: 13px;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 18px;
  letter-spacing: 0.3px;
}
.hero h1 {
  font-size: 42px;
  line-height: 1.2;
  margin: 0 0 18px;
  font-weight: 700;
}
.hero p.lead {
  font-size: 17px;
  color: #cfd7e6;
  margin: 0 0 30px;
  max-width: 540px;
}
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stats {
  display: flex;
  gap: 32px;
  margin-top: 44px;
  flex-wrap: wrap;
}
.hero-stats .stat b {
  display: block;
  font-size: 26px;
  color: var(--gold-400);
}
.hero-stats .stat span {
  font-size: 13px;
  color: #b7c0d1;
}
.hero-card {
  background: var(--white);
  border-radius: 16px;
  padding: 28px;
  color: var(--gray-900);
  box-shadow: var(--shadow-md);
}
.hero-card h3 { margin-top: 0; font-size: 18px; }
.hero-card ul { padding-left: 20px; margin: 14px 0; }
.hero-card li { margin-bottom: 8px; font-size: 14.5px; color: var(--gray-700); }
.hero-card__photo {
  width: calc(100% + 56px);
  margin: -28px -28px 20px;
  border-radius: 16px 16px 0 0;
  aspect-ratio: 16 / 10;
  object-fit: cover;
}

/* ---------- Feature photo section (image + text) ---------- */
.feature-photo-row {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 46px;
  align-items: center;
}
.feature-photo-row img {
  width: 100%;
  border-radius: 16px;
  box-shadow: var(--shadow-md);
  aspect-ratio: 4 / 3;
  object-fit: cover;
}
.feature-list { list-style: none; padding: 0; margin: 26px 0 0; }
.feature-list li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin-bottom: 18px;
  font-size: 15px;
  color: var(--gray-700);
}
.feature-list .tick {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--gold-400);
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  margin-top: 1px;
}

/* ---------- Full-width photo band ---------- */
.photo-band {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.photo-band img {
  width: 100%;
  max-height: 420px;
  object-fit: cover;
  object-position: center 30%;
}
.photo-band__caption {
  position: absolute;
  inset: auto 0 0 0;
  padding: 40px 36px 26px;
  background: linear-gradient(0deg, rgba(6,48,28,0.92) 10%, rgba(6,48,28,0.35) 70%, transparent 100%);
  color: var(--white);
}
.photo-band__caption span.eyebrow { background: rgba(217,167,58,0.2); color: var(--gold-400); }
.photo-band__caption h3 { margin: 8px 0 6px; font-size: 24px; }
.photo-band__caption p { margin: 0; color: #d7ddea; font-size: 14.5px; max-width: 560px; }

/* ---------- Sections ---------- */
section { padding: 72px 0; }
section.alt { background: var(--gray-50); }
.section-head { max-width: 680px; margin: 0 auto 44px; text-align: center; }
.section-head .eyebrow { background: rgba(185, 138, 61, 0.12); color: var(--gold-500); }
.section-head h2 { font-size: 30px; margin: 8px 0 12px; color: var(--navy-900); }
.section-head p { color: var(--gray-500); font-size: 15.5px; }

/* ---------- Service cards ---------- */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 30px 26px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.15s ease, transform 0.15s ease;
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.card .icon {
  width: 46px;
  height: 46px;
  border-radius: 10px;
  background: var(--navy-900);
  color: var(--gold-400);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  margin-bottom: 16px;
}
.card h3 { margin: 0 0 10px; font-size: 18.5px; color: var(--navy-900); }
.card p { margin: 0 0 14px; color: var(--gray-500); font-size: 14.5px; }
.card a.card-link { font-size: 14px; font-weight: 600; color: var(--gold-500); }
.card a.card-link:hover { color: var(--navy-900); }

/* ---------- Steps ---------- */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.step { position: relative; padding-left: 6px; }
.step .num {
  width: 38px; height: 38px;
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--gold-400);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  margin-bottom: 14px;
}
.step h4 { margin: 0 0 8px; font-size: 16px; color: var(--navy-900); }
.step p { margin: 0; font-size: 14px; color: var(--gray-500); }

/* ---------- Table (representative examples) ---------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--gray-200); border-radius: var(--radius); }
table.rates {
  width: 100%;
  border-collapse: collapse;
  font-size: 14.5px;
  min-width: 560px;
}
table.rates th, table.rates td {
  padding: 14px 18px;
  text-align: left;
  border-bottom: 1px solid var(--gray-200);
}
table.rates thead th {
  background: var(--navy-900);
  color: var(--white);
  font-weight: 600;
}
table.rates tbody tr:nth-child(even) { background: var(--gray-50); }
table.rates tbody tr:last-child td { border-bottom: none; }

/* ---------- Service detail block ---------- */
.service-block {
  border: 1px solid var(--gray-200);
  border-radius: 14px;
  padding: 34px;
  margin-bottom: 30px;
}
.service-block__head {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 18px;
}
.service-block__head .icon {
  width: 52px; height: 52px; border-radius: 12px;
  background: var(--navy-900); color: var(--gold-400);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; flex-shrink: 0;
}
.service-block h2 { margin: 0; font-size: 22px; color: var(--navy-900); }
.service-block .cols { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; margin: 20px 0; }
.service-block ul { margin: 0; padding-left: 20px; }
.service-block li { margin-bottom: 8px; font-size: 14.5px; color: var(--gray-700); }
.disclaimer-box {
  background: var(--gray-50);
  border-left: 3px solid var(--gold-500);
  padding: 14px 18px;
  font-size: 13px;
  color: var(--gray-500);
  border-radius: 0 8px 8px 0;
  margin-top: 16px;
}

/* ---------- FAQ ---------- */
details.faq {
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  padding: 18px 22px;
  margin-bottom: 12px;
}
details.faq summary {
  cursor: pointer;
  font-weight: 600;
  color: var(--navy-900);
  font-size: 15.5px;
  list-style: none;
}
details.faq summary::-webkit-details-marker { display: none; }
details.faq summary::after { content: "+"; float: right; color: var(--gold-500); font-size: 20px; }
details.faq[open] summary::after { content: "–"; }
details.faq p { margin: 12px 0 0; color: var(--gray-500); font-size: 14.5px; }

/* ---------- Trust badges ---------- */
.trust-row {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
  padding: 26px 0;
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
}
.trust-row .item { text-align: center; flex: 1; min-width: 140px; }
.trust-row .item b { display: block; font-size: 24px; color: var(--navy-900); }
.trust-row .item span { font-size: 13px; color: var(--gray-500); }

/* ---------- CTA banner ---------- */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  color: var(--white);
  border-radius: 18px;
  padding: 48px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 24px;
}
.cta-banner h2 { margin: 0 0 8px; font-size: 24px; }
.cta-banner p { margin: 0; color: #c9d2e2; font-size: 14.5px; max-width: 480px; }

/* ---------- Forms ---------- */
.form-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 14px;
  padding: 32px;
  box-shadow: var(--shadow-sm);
}
.form-row { margin-bottom: 16px; }
.form-row label {
  display: block;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 6px;
}
.form-row input,
.form-row select,
.form-row textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  font-size: 14.5px;
  font-family: inherit;
  background: var(--gray-50);
}
.form-row textarea { resize: vertical; min-height: 90px; }
.form-consent { display: flex; gap: 10px; align-items: flex-start; font-size: 12.5px; color: var(--gray-500); margin-bottom: 20px; }
.form-consent input { width: auto; margin-top: 3px; }
.form-consent a { color: var(--gold-500); font-weight: 600; }

.form-status {
  margin: 14px 0 0;
  padding: 12px 14px;
  border-radius: 8px;
  font-size: 13.5px;
  line-height: 1.5;
}
.form-status--success { background: rgba(20, 85, 53, 0.1); color: var(--navy-700); border: 1px solid rgba(20, 85, 53, 0.25); }
.form-status--error { background: rgba(198, 40, 40, 0.08); color: #8c2222; border: 1px solid rgba(198, 40, 40, 0.25); }

/* ---------- Contacts page ---------- */
.contact-info-card {
  display: flex;
  gap: 16px;
  padding: 20px 0;
  border-bottom: 1px solid var(--gray-200);
}
.contact-info-card:last-child { border-bottom: none; }
.contact-info-card .icon {
  width: 42px; height: 42px; border-radius: 10px;
  background: var(--gray-100); color: var(--navy-900);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; font-size: 18px;
}
.contact-info-card h4 { margin: 0 0 4px; font-size: 15px; color: var(--navy-900); }
.contact-info-card p { margin: 0; font-size: 14px; color: var(--gray-500); }
.map-placeholder {
  height: 320px;
  border-radius: 14px;
  background: repeating-linear-gradient(45deg, var(--gray-100), var(--gray-100) 10px, var(--gray-50) 10px, var(--gray-50) 20px);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-500);
  font-size: 14px;
  border: 1px dashed var(--gray-200);
  text-align: center;
  padding: 20px;
}

/* ---------- 2GIS map embed ---------- */
.map-embed {
  min-height: 320px;
  border-radius: 14px;
  overflow-x: auto;
  overflow-y: hidden;
  border: 1px solid var(--gray-200);
  background: repeating-linear-gradient(45deg, var(--gray-100), var(--gray-100) 10px, var(--gray-50) 10px, var(--gray-50) 20px);
}
.map-embed :is(iframe, div) { border-radius: 14px; }
.map-embed__noscript {
  display: block;
  padding: 20px;
  color: #c00;
  font-size: 14px;
  font-weight: 600;
  text-align: center;
}
.map-embed-links {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 16px;
  margin-top: 10px;
  font-size: 12.5px;
}
.map-embed-links a { color: var(--gray-500); }
.map-embed-links a:hover { color: var(--gold-500); }

/* ---------- Legal / privacy page ---------- */
.legal-content h2 { color: var(--navy-900); font-size: 21px; margin-top: 40px; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p, .legal-content li { color: var(--gray-700); font-size: 15px; }
.legal-content ul { padding-left: 22px; }
.legal-meta { color: var(--gray-500); font-size: 13.5px; margin-bottom: 30px; }

/* ---------- Footer ---------- */
footer.site-footer {
  background: var(--navy-900);
  color: #aab4c8;
  padding: 56px 0 26px;
  font-size: 14px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 36px;
  padding-bottom: 36px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-grid h5 {
  color: var(--white);
  font-size: 14px;
  margin: 0 0 16px;
  letter-spacing: 0.3px;
}
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: 10px; }
.footer-grid a:hover { color: var(--gold-400); }
.footer-about p { font-size: 13.5px; color: #98a2ba; line-height: 1.7; }
.footer-disclaimer {
  font-size: 12px;
  color: #7d879c;
  line-height: 1.7;
  padding-top: 26px;
  max-width: 980px;
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  padding-top: 22px;
  font-size: 12.5px;
  color: #7d879c;
}
.footer-bottom a { color: #98a2ba; margin-left: 16px; }
.footer-bottom a:hover { color: var(--gold-400); }

/* ---------- Breadcrumb / page header ---------- */
.page-header {
  background: var(--navy-900);
  color: var(--white);
  padding: 46px 0;
}
.page-header.has-photo {
  background:
    linear-gradient(90deg, rgba(6,48,28,0.97) 0%, rgba(6,48,28,0.93) 45%, rgba(6,48,28,0.80) 100%),
    url('img/banner-consulting.jpg') right 15% center / cover no-repeat;
  padding: 60px 0;
}
.page-header .eyebrow { background: rgba(209, 163, 82, 0.15); color: var(--gold-400); }
.page-header h1 { font-size: 32px; margin: 10px 0 8px; }
.page-header p { color: #c3ccdd; font-size: 15px; max-width: 620px; margin: 0; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .nav-toggle { display: flex; }

  nav.main-nav {
    position: fixed;
    top: 0;
    right: -100%;
    width: min(82vw, 320px);
    height: 100vh;
    background: var(--white);
    box-shadow: -10px 0 28px rgba(6, 16, 10, 0.18);
    padding: 96px 28px 28px;
    transition: right 0.28s ease;
    z-index: 60;
    overflow-y: auto;
  }
  nav.main-nav.open { right: 0; }
  nav.main-nav ul { flex-direction: column; gap: 2px; }
  nav.main-nav a {
    display: block;
    padding: 13px 4px;
    font-size: 16.5px;
    border-bottom: 1px solid var(--gray-100);
  }
  nav.main-nav a.active, nav.main-nav a:hover { border-bottom-color: var(--gray-100); }
  .nav-wrap .btn-primary { padding: 10px 16px; font-size: 14px; }

  /* Compact topbar: keep phone / WhatsApp / email, drop hours + address (available in footer & Contacts) */
  .topbar { font-size: 12.5px; }
  .topbar .container { padding-top: 7px; padding-bottom: 7px; gap: 6px 16px; }
  .topbar__contacts { gap: 14px; row-gap: 6px; }
  .topbar__hours, .topbar__address { display: none; }

  .hero { padding: 44px 0 52px; }
  .hero .container { grid-template-columns: 1fr; gap: 32px; }
  .hero h1 { font-size: 28px; }
  .hero-stats { margin-top: 32px; }

  section { padding: 44px 0; }
  .section-head { margin: 0 auto 30px; }
  .section-head h2 { font-size: 24px; }

  .grid-3, .grid-2, .steps, .service-block .cols,
  .feature-photo-row { grid-template-columns: 1fr; }
  .feature-photo-row { gap: 26px; }
  .feature-photo-row img { aspect-ratio: 16 / 9; }
  .feature-list li { margin-bottom: 14px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px 20px; }

  .card { padding: 24px 22px; }
  .service-block { padding: 24px 20px; }
  .service-block .cols { gap: 20px; }

  .steps { gap: 26px; }

  .trust-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px 16px;
    text-align: center;
    padding: 28px 0;
  }
  .trust-row .item { min-width: 0; }

  .cta-banner { flex-direction: column; text-align: center; padding: 32px 26px; }
  .cta-banner h2 { font-size: 21px; }

  .photo-band img { max-height: 240px; object-position: 78% 55%; }
  .photo-band { position: relative; }
  .photo-band::before {
    content: "";
    position: absolute;
    inset: 0;
    background: rgba(6, 48, 28, 0.6);
    pointer-events: none;
  }
  .photo-band__caption { padding: 22px 20px 18px; }
  .photo-band__caption h3 { font-size: 19px; }

  /* Rate tables: stack as label/value rows instead of a horizontally-scrolling table */
  .table-wrap { overflow-x: visible; border: none; }
  table.rates, table.rates tbody { display: block; width: 100%; min-width: 0; }
  table.rates thead { display: none; }
  table.rates tr {
    display: block;
    padding: 12px 16px;
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    margin-bottom: 8px;
  }
  table.rates tbody tr:nth-child(even) { background: var(--white); }
  table.rates td { display: block; padding: 0; border: none; }
  table.rates td:first-child {
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: 0.3px;
    color: var(--gray-500);
    font-weight: 600;
    margin-bottom: 4px;
  }
  table.rates td:last-child { font-size: 15px; color: var(--navy-900); font-weight: 600; }
  /* Third column (used in 3-col comparison tables, e.g. business loan variants) */
  table.rates td:nth-child(2):not(:last-child) {
    font-size: 13.5px;
    color: var(--gray-700);
    margin-bottom: 4px;
  }

  details.faq { padding: 15px 18px; margin-bottom: 10px; }
}
@media (max-width: 560px) {
  .footer-grid { grid-template-columns: 1fr; }
  .hero-stats { gap: 18px 24px; }
  .logo__img { height: 38px; }
  .page-header { padding: 40px 0; }
  .page-header h1 { font-size: 24px; }
  .hero-card__photo { aspect-ratio: 16 / 9; }
  .topbar__contacts { gap: 10px 14px; }
}