/* MôjNárok — публичный сайт. Деловой стиль: один фирменный цвет, строгая типографика, крупный текст для 45+ */
:root {
  --ink: #0F1B2D;
  --ink-2: #4A5566;
  --ink-3: #6B7686;
  --line: #DCE1E8;
  --paper: #FFFFFF;
  --stone: #F4F6F9;
  --navy: #17365F;
  --navy-2: #0F2747;
  --navy-deep: #0B1A30;
  --tint: #EDF1F7;
  --err: #B42318;
  --c-dochodok: var(--navy); --t-dochodok: var(--tint);
  --c-dane: var(--navy);     --t-dane: var(--tint);
  --c-davky: var(--navy);    --t-davky: var(--tint);
  --pine: var(--navy);
  --r-lg: 8px;
  --r-md: 6px;
  --serif: "IBM Plex Sans", "Segoe UI", Roboto, Arial, sans-serif;
  --sans: "IBM Plex Sans", "Segoe UI", Roboto, Arial, sans-serif;
  --wrap: 1160px;
}
.dir-dochodok { --c: var(--c-dochodok); --t: var(--t-dochodok); }
.dir-dane     { --c: var(--c-dane);     --t: var(--t-dane); }
.dir-davky    { --c: var(--c-davky);    --t: var(--t-davky); }

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; font-family: var(--sans); font-size: 1.125rem; line-height: 1.6;
  color: var(--ink); background: var(--paper); font-weight: 400;
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }
h1, h2, h3 { margin: 0; font-weight: 600; }
p { margin: 0; }
b, strong { font-weight: 600; }
button { font: inherit; color: inherit; }
a { color: var(--navy); }
:focus-visible { outline: 3px solid #2F6FEB; outline-offset: 3px; border-radius: 4px; }
.skip { position: absolute; left: -999px; top: 0; }
.skip:focus { left: 12px; top: 12px; z-index: 100; background: #fff; padding: 10px 14px; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 860px; }
svg { stroke: currentColor; fill: none; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }

/* ---------- Кнопки ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 56px; padding: 12px 24px; border: 1px solid var(--navy); border-radius: var(--r-md);
  background: var(--navy); color: #fff; font-weight: 600; font-size: 1.0625rem; line-height: 1.25; letter-spacing: .005em;
  text-align: center; cursor: pointer; text-decoration: none;
  transition: background-color .15s ease, border-color .15s ease, color .15s ease;
}
.btn:hover { background: var(--navy-2); border-color: var(--navy-2); }
.btn[disabled] { opacity: .6; cursor: progress; }
.btn-small { min-height: 46px; padding: 8px 16px; font-size: 1rem; }
.btn-outline { background: #fff; color: var(--navy); }
.btn-outline:hover { background: var(--tint); color: var(--navy); }
.linklike { background: none; border: 0; padding: 0; text-decoration: underline; cursor: pointer; color: inherit; font-size: inherit; }

/* ---------- Шапка ---------- */
.site-header { background: var(--paper); border-bottom: 1px solid var(--line); }
.hdr-in { display: flex; align-items: center; gap: 14px; min-height: 72px; flex-wrap: wrap; }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); }
.brand-mark { width: 36px; height: 36px; border-radius: 4px; background: var(--navy); position: relative; flex: none; }
.brand-mark::after { content: "MN"; position: absolute; inset: 0; display: grid; place-items: center; color: #fff; font: 600 14px/1 var(--sans); letter-spacing: .04em; }
.brand-name { font-weight: 600; font-size: 1.3rem; letter-spacing: -.005em; }
.tagline { color: var(--ink-3); font-size: .9375rem; display: none; }
.hdr-op { display: none; margin-left: auto; text-align: right; font-size: .875rem; line-height: 1.35; color: var(--ink-3); }
.hdr-op b { display: block; color: var(--ink); font-weight: 600; }
.hdr-op a { color: var(--ink-3); text-decoration: none; }
.hdr-op a:hover { color: var(--navy); text-decoration: underline; }
.lang { margin-left: auto; display: flex; gap: 2px; border: 1px solid var(--line); border-radius: var(--r-md); padding: 2px; }
.hdr-op + .lang { margin-left: 18px; }
.lang a { min-width: 44px; min-height: 38px; display: grid; place-items: center; border-radius: 4px; font-weight: 600; text-decoration: none; color: var(--ink-3); font-size: .9375rem; }
.lang a[aria-current] { background: var(--navy); color: #fff; }
@media (min-width: 720px) { .tagline { display: inline; padding-left: 14px; border-left: 1px solid var(--line); } }
@media (max-width: 999px) {
  .hdr-in { row-gap: 0; }
  .hdr-op { display: flex; flex-wrap: wrap; gap: 0 8px; order: 3; width: 100%; margin: 0; text-align: left; padding: 8px 0 10px; border-top: 1px solid var(--line); font-size: .8125rem; }
  .hdr-op b { display: inline; }
  .hdr-op + .lang { margin-left: auto; }
}
@media (min-width: 1000px) { .hdr-op { display: block; } }

/* ---------- Hero ---------- */
.hero { background: var(--stone); border-bottom: 1px solid var(--line); padding: 30px 0 38px; }
.hero-title {
  font-weight: 600; font-size: clamp(1.9rem, 5.6vw, 3.1rem);
  line-height: 1.15; letter-spacing: -.015em; max-width: 22ch; text-wrap: balance;
}
.hero-sub { margin-top: 14px; font-size: 1.125rem; color: var(--ink-2); max-width: 52ch; }
.hero-note { margin-top: 26px; font-weight: 600; font-size: .875rem; text-transform: uppercase; letter-spacing: .08em; color: var(--ink-3); }
.dirs { display: grid; gap: 14px; margin-top: 12px; }
.dir-card {
  background: var(--paper); border-radius: var(--r-lg); padding: 22px;
  border: 1px solid var(--line); display: flex; flex-direction: column; gap: 8px;
  transition: border-color .15s, box-shadow .15s;
}
.dir-card:hover { border-color: #B8C2D0; box-shadow: 0 6px 24px rgba(15, 27, 45, .06); }
.dir-head { display: flex; align-items: center; gap: 12px; color: var(--ink-3); font-weight: 600; font-size: .8125rem; text-transform: uppercase; letter-spacing: .08em; }
.dir-ico { width: 40px; height: 40px; border-radius: 4px; display: grid; place-items: center; background: var(--tint); color: var(--navy); flex: none; }
.dir-ico svg { width: 26px; height: 26px; }
.dir-title { font-size: 1.375rem; line-height: 1.3; margin-top: 6px; font-weight: 600; }
.dir-text { color: var(--ink-2); font-size: 1.0625rem; margin-bottom: 10px; }
.btn-dir { margin-top: auto; width: 100%; }
.points { list-style: none; padding: 0; margin: 22px 0 0; display: grid; gap: 10px; }
.points li { display: flex; gap: 10px; align-items: flex-start; font-weight: 500; color: var(--ink-2); font-size: 1rem; }
.ico-check { width: 22px; height: 22px; flex: none; color: var(--navy); stroke-width: 2.6; margin-top: 2px; }
@media (min-width: 900px) {
  .hero { padding: 64px 0 56px; }
  .hero > .wrap { display: grid; grid-template-columns: 1.2fr 1fr; column-gap: 64px; align-items: end; }
  .hero-title, .hero-sub { grid-row: 1; }
  .hero-sub { font-size: 1.1875rem; padding-bottom: 6px; }
  .hero-note, .dirs, .points { grid-column: 1 / -1; }
  .hero-note { margin-top: 44px; }
  .dirs { grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 14px; }
  .dir-card { padding: 28px; }
  .points { grid-template-columns: repeat(3, 1fr); gap: 20px; }
  .points li { padding: 0 8px; }
}

/* ---------- Секции ---------- */
.sec { padding: 56px 0; }
.sec + .sec { border-top: 1px solid var(--line); }
.sec-head { max-width: 760px; margin-bottom: 32px; }
.sec-title { font-weight: 600; font-size: clamp(1.6rem, 4.2vw, 2.25rem); line-height: 1.2; letter-spacing: -.01em; }
.sec-sub { margin-top: 12px; color: var(--ink-2); font-size: 1.125rem; }
@media (min-width: 900px) { .sec { padding: 88px 0; } }

.sit-grid { display: grid; gap: 16px; }
.sit { border: 1px solid var(--line); border-radius: var(--r-lg); padding: 24px; display: flex; flex-direction: column; gap: 16px; background: #fff; }
.sit-top { display: flex; align-items: center; gap: 12px; padding-bottom: 14px; border-bottom: 1px solid var(--line); }
.sit-title { font-size: 1.25rem; font-weight: 600; color: var(--ink); }
.sit-list { margin: 0; padding: 0; list-style: none; display: grid; gap: 10px; color: var(--ink-2); }
.sit-list li { position: relative; padding-left: 22px; }
.sit-list li::before { content: ""; position: absolute; left: 2px; top: .72em; width: 8px; height: 2px; background: var(--navy); }
.btn-ghost { background: #fff; color: var(--navy); margin-top: auto; width: 100%; }
.btn-ghost:hover { background: var(--tint); color: var(--navy); border-color: var(--navy); }
@media (min-width: 900px) { .sit-grid { grid-template-columns: repeat(3, 1fr); gap: 20px; } }

.steps { list-style: none; padding: 0; margin: 0; display: grid; gap: 24px; counter-reset: st; }
.step { display: flex; gap: 18px; align-items: flex-start; counter-increment: st; }
.step-n { flex: none; width: 48px; height: 48px; border-radius: 4px; border: 1px solid var(--navy); color: var(--navy); display: grid; place-items: center; font-weight: 600; font-size: 1.25rem; background: #fff; }
.step-n::before { content: counter(st, decimal-leading-zero); }
.step-title { font-size: 1.1875rem; font-weight: 600; line-height: 1.3; padding-top: 10px; }
.step-text { margin-top: 6px; color: var(--ink-2); }
@media (min-width: 900px) {
  .steps { grid-template-columns: repeat(3, 1fr); gap: 36px; }
  .step { flex-direction: column; padding-top: 22px; border-top: 1px solid var(--line); }
  .step-title { padding-top: 2px; }
}

.trust { background: var(--stone); }
.sec.trust + .sec, .sec + .sec.trust { border-top: 0; }
.trust-in { display: grid; gap: 30px; }
.shield { display: block; width: 48px; height: 48px; color: var(--navy); margin-bottom: 16px; }
.shield svg { width: 48px; height: 48px; stroke-width: 2; }
.trust-text { margin-top: 14px; font-size: 1.125rem; max-width: 60ch; color: var(--ink-2); }
.trust-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 0; background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); }
.trust-list li { display: flex; gap: 14px; padding: 18px 20px; }
.trust-list li + li { border-top: 1px solid var(--line); }
.trust-list strong { display: block; font-size: 1.0625rem; }
.trust-list p { color: var(--ink-2); margin-top: 2px; font-size: 1rem; }
@media (min-width: 900px) { .trust-in { grid-template-columns: 1.1fr 1fr; gap: 64px; align-items: start; } }

.faq-list { margin-top: 24px; display: grid; border-top: 1px solid var(--line); }
.qa { border-bottom: 1px solid var(--line); background: var(--paper); }
.qa summary { list-style: none; cursor: pointer; padding: 20px 48px 20px 0; font-weight: 600; font-size: 1.125rem; position: relative; min-height: 64px; display: flex; align-items: center; }
.qa summary:hover { color: var(--navy); }
.qa summary::-webkit-details-marker { display: none; }
.qa summary::after { content: ""; position: absolute; right: 8px; top: 50%; width: 10px; height: 10px; border: solid var(--ink-3); border-width: 0 2px 2px 0; transform: translateY(-70%) rotate(45deg); transition: transform .2s; }
.qa[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
.qa-a { padding: 0 48px 22px 0; color: var(--ink-2); }

.final { background: var(--navy-2); color: #fff; padding: 60px 0; }
.final-title { max-width: 26ch; }
.final-title { font-weight: 600; font-size: clamp(1.75rem, 4.6vw, 2.6rem); line-height: 1.2; letter-spacing: -.01em; }
.final-text { margin-top: 14px; font-size: 1.125rem; color: #C9D3E1; max-width: 60ch; }
.final-btns { display: grid; gap: 12px; margin-top: 30px; }
.btn-final { background: #fff; color: var(--navy); border-color: #fff; justify-content: flex-start; padding-left: 10px; }
.btn-final:hover { background: var(--tint); border-color: var(--tint); color: var(--navy-2); }
.btn-final .dir-ico { width: 38px; height: 38px; }
.final-note { margin-top: 18px; color: #A9B6C8; font-size: 1rem; }
@media (min-width: 900px) { .final { padding: 84px 0; } .final-btns { grid-template-columns: repeat(3, 1fr); } }

.site-footer { background: var(--navy-deep); color: #A9B4C4; padding: 40px 0 110px; font-size: .9375rem; line-height: 1.6; }
.disclaimer { max-width: 86ch; }
.operator { margin-top: 14px; color: #C9D1DC; }
.foot-links { margin-top: 20px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.1); display: flex; flex-wrap: wrap; gap: 10px 24px; align-items: center; }
.foot-links a, .foot-links .linklike { color: #fff; }
.copy { opacity: .7; }
@media (min-width: 900px) { .site-footer { padding-bottom: 44px; } }

.privacy { font-size: 1.0625rem; line-height: 1.7; }

/* ---------- Липкая кнопка (мобильный) ---------- */
.sticky-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; padding: 10px 14px calc(10px + env(safe-area-inset-bottom)); background: rgba(255,255,255,.97); border-top: 1px solid var(--line); transform: translateY(110%); transition: transform .25s ease; }
.sticky-cta.show { transform: none; }
.btn-sticky { width: 100%; }
@media (min-width: 900px) { .sticky-cta { display: none; } }

/* ---------- Выбор направления (sheet) ---------- */
.sheet, .modal { position: fixed; inset: 0; z-index: 60; background: rgba(11, 26, 48, .55); display: flex; align-items: flex-end; justify-content: center; }
.sheet[hidden], .modal[hidden] { display: none; }
.sheet-panel { background: var(--paper); width: 100%; max-width: 560px; border-radius: 12px 12px 0 0; padding: 18px 16px calc(20px + env(safe-area-inset-bottom)); animation: up .22s ease; }
.sheet-head { display: flex; align-items: center; justify-content: space-between; gap: 10px; margin-bottom: 12px; }
.sheet-head h2 { font-size: 1.35rem; }
.sheet-list { display: grid; gap: 10px; }
.sheet-list .btn-final { border-color: var(--line); }
.x { width: 44px; height: 44px; border-radius: var(--r-md); border: 1px solid var(--line); background: #fff; font-size: 1.6rem; line-height: 1; cursor: pointer; flex: none; color: var(--ink-2); }
.x:hover { background: var(--stone); }
@keyframes up { from { transform: translateY(30px); opacity: 0; } to { transform: none; opacity: 1; } }

/* ---------- Форма ---------- */
.modal { align-items: stretch; }
.modal-panel { background: var(--paper); width: 100%; display: flex; flex-direction: column; min-height: 100%; animation: up .22s ease; }
@media (min-width: 720px) {
  .modal { align-items: center; padding: 24px; }
  .modal-panel { max-width: 640px; min-height: 0; max-height: calc(100vh - 48px); border-radius: 10px; overflow: hidden; box-shadow: 0 24px 80px rgba(11,26,48,.3); }
}
.mf-top { padding: 12px 16px 12px 20px; border-bottom: 1px solid var(--line); display: flex; align-items: center; gap: 12px; }
.mf-progress { flex: 1; }
.mf-steptext { font-weight: 600; font-size: .875rem; color: var(--ink-3); text-transform: uppercase; letter-spacing: .06em; }
.mf-bar { margin-top: 8px; height: 4px; border-radius: 4px; background: var(--stone); overflow: hidden; }
.mf-bar i { display: block; height: 100%; background: var(--c); border-radius: 8px; transition: width .3s ease; }
.mf-body { flex: 1; overflow-y: auto; padding: 22px 20px 12px; -webkit-overflow-scrolling: touch; }
.mf-title { font-size: 1.4rem; line-height: 1.3; font-weight: 600; }
.mf-sub { margin-top: 8px; color: var(--ink-2); font-size: 1.0625rem; }
.mf-steptitle { margin-top: 20px; font-size: 1rem; font-weight: 600; color: var(--ink-3); }
.mq { margin-top: 20px; border: 0; padding: 0; }
.mq legend, .mq > label { font-weight: 600; font-size: 1.1875rem; line-height: 1.3; padding: 0; margin-bottom: 10px; display: block; }
.opts { display: grid; gap: 10px; }
.opt { position: relative; display: flex; align-items: center; gap: 14px; min-height: 58px; padding: 12px 16px; border: 1px solid #C5CDD8; border-radius: var(--r-md); cursor: pointer; font-size: 1.0625rem; font-weight: 500; background: #fff; transition: border-color .12s, background-color .12s; }
.opt input { position: absolute; opacity: 0; pointer-events: none; }
.opt .dot { width: 24px; height: 24px; border-radius: 50%; border: 2px solid #8A95A5; flex: none; display: grid; place-items: center; }
.opt:hover { border-color: var(--navy); }
.opt input:checked + .dot { border-color: var(--c); background: var(--c); }
.opt input:checked + .dot::after { content: ""; width: 7px; height: 12px; border: solid #fff; border-width: 0 3px 3px 0; transform: translateY(-1px) rotate(45deg); }
.opt:has(input:checked) { border-color: var(--c); background: var(--t); }
.opt input:focus-visible + .dot { outline: 3px solid #1E63D6; outline-offset: 3px; }
.field { margin-top: 18px; }
.field label { display: block; font-weight: 600; font-size: 1.0625rem; margin-bottom: 6px; }
.field input { width: 100%; min-height: 58px; border: 1px solid #8A95A5; border-radius: var(--r-md); padding: 12px 16px; font: inherit; font-size: 1.25rem; color: var(--ink); background: #fff; }
.field input:focus { border-color: var(--navy); outline: 3px solid rgba(23, 54, 95, .18); }
.field.bad input, .mq.bad .opt { border-color: var(--err); }
.ferr { display: none; color: var(--err); font-weight: 700; margin-top: 8px; font-size: 1.0625rem; }
.bad > .ferr, .bad .ferr { display: block; }
.consent-text { margin-top: 18px; font-size: 1rem; line-height: 1.5; color: var(--ink-2); }
.consent-text a { color: var(--navy); font-weight: 600; }
.mf-title:focus { outline: none; }
.consent { display: flex; gap: 12px; align-items: flex-start; margin-top: 20px; font-size: 1rem; cursor: pointer; }
.consent input { width: 28px; height: 28px; flex: none; accent-color: var(--c); margin: 0; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.mf-note { margin-top: 16px; font-size: .9375rem; color: var(--ink-3); padding: 12px 14px; background: var(--stone); border-radius: var(--r-md); }
.mf-foot { padding: 12px 16px calc(12px + env(safe-area-inset-bottom)); border-top: 1px solid var(--line); display: flex; gap: 10px; background: #fff; }
.mf-foot .btn { flex: 1; }
.mf-foot .btn-back { flex: 0 0 auto; background: #fff; color: var(--ink-2); border-color: var(--line); padding: 12px 18px; }
.mf-foot .btn-back:hover { background: var(--stone); color: var(--ink); border-color: var(--line); }
.mf-foot .btn-next { background: var(--navy); color: #fff; }
.mf-foot .btn-next:hover { background: var(--navy-2); }
.mf-alert { margin-top: 16px; padding: 12px 14px; border-radius: var(--r-md); background: #FDECEA; color: var(--err); font-weight: 700; }
.mf-success { text-align: left; padding-top: 10px; }
.ok-ico { width: 60px; height: 60px; border-radius: 50%; background: var(--t); color: var(--c); display: grid; place-items: center; margin-bottom: 16px; }
.ok-ico svg { width: 32px; height: 32px; stroke-width: 2.6; }
.mf-other { margin-top: 26px; display: grid; gap: 10px; }
.mf-other h3 { font-size: 1.0625rem; }
.mf-other .btn-final { border-color: var(--line); }
.mf-other .btn-final:hover { border-color: var(--navy); }
.step-anim { animation: fade .22s ease; }
@keyframes fade { from { opacity: 0; transform: translateX(14px); } to { opacity: 1; transform: none; } }

/* ---------- Cookies ---------- */
.cookie { position: fixed; left: 0; right: 0; bottom: 0; z-index: 70; padding: 8px; }
.cookie[hidden] { display: none; }
.cookie-in { max-width: 760px; margin: 0 auto; background: #fff; border-radius: 8px; padding: 12px 14px; box-shadow: 0 6px 30px rgba(0,0,0,.22); border: 1px solid var(--line); font-size: .9rem; line-height: 1.4; }
.cookie-in strong { display: none; }
.cookie-in p { color: var(--ink-2); }
.cookie-btns { display: flex; gap: 8px; margin-top: 10px; }
.cookie-btns .btn { min-height: 44px; font-size: .95rem; padding: 8px 12px; }
@media (min-width: 900px) { .cookie { left: 16px; right: auto; bottom: 16px; max-width: 440px; } .cookie-in strong { display: block; font-size: 1rem; margin-bottom: 4px; } }
.cookie-btns .btn { flex: 1; }
body.modal-open { overflow: hidden; }