/* Layout: navy "decision band" with a receipt-style calculator and one primary CTA,
   then a ranked offer list; inner pages reuse the band for their H1. */
:root {
  --bg: #f4f6fb;
  --surface: #ffffff;
  --ink: #0c1633;
  --muted: #5a6480;
  --line: #e1e5ef;
  --navy: #0b1f4d;
  --navy-2: #15306d;
  --on-navy: #ffffff;
  --on-navy-muted: #b9c4e2;
  --cta: #ffd028;
  --cta-hover: #ffdb52;
  --cta-ink: #1a1300;
  --good: #0b8a5f;
  --good-soft: #e2f5ec;
  --sel: #0b1f4d;
  --sel-ink: #ffffff;
  --shadow: 0 18px 44px -24px rgba(11, 31, 77, .45);
  --f-body: "Onest", system-ui, -apple-system, "Segoe UI", sans-serif;
  --f-mono: "JetBrains Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;
  --r: 16px;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #070d1f; --surface: #0f1830; --ink: #e8ecf7; --muted: #95a1c0; --line: #1f2a47;
    --navy: #0b1a3d; --navy-2: #16295a; --on-navy: #ffffff; --on-navy-muted: #a9b6d8;
    --cta: #ffd028; --cta-hover: #ffdb52; --cta-ink: #1a1300; --good: #3ccf95; --good-soft: #0f2e25; --sel: #ffd028; --sel-ink: #1a1300;
    --shadow: 0 18px 44px -24px rgba(0, 0, 0, .7);
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --bg: #070d1f; --surface: #0f1830; --ink: #e8ecf7; --muted: #95a1c0; --line: #1f2a47;
  --navy: #0b1a3d; --navy-2: #16295a; --on-navy: #ffffff; --on-navy-muted: #a9b6d8;
  --cta: #ffd028; --cta-hover: #ffdb52; --cta-ink: #1a1300; --good: #3ccf95; --good-soft: #0f2e25; --sel: #ffd028; --sel-ink: #1a1300;
  --shadow: 0 18px 44px -24px rgba(0, 0, 0, .7);
  color-scheme: dark;
}
* { box-sizing: border-box; }
html, body { margin: 0; }
body { background: var(--bg); color: var(--ink); font-family: var(--f-body); font-size: 16px; line-height: 1.55; -webkit-font-smoothing: antialiased; }
.wrap { max-width: 1180px; margin: 0 auto; padding-left: max(16px, env(safe-area-inset-left, 0px)); padding-right: max(16px, env(safe-area-inset-right, 0px)); }
h1, h2, h3, h4 { text-wrap: balance; margin: 0; letter-spacing: -0.02em; line-height: 1.15; }
a { color: inherit; }
:focus-visible { outline: 3px solid var(--cta); outline-offset: 2px; border-radius: 6px; }
.num, output, dd, td { font-variant-numeric: tabular-nums; }

/* ---------- band: header + hero on navy ---------- */
.band { background: radial-gradient(1200px 500px at 85% -10%, var(--navy-2), transparent 60%), var(--navy); color: var(--on-navy); }
.top { padding-block: 16px; display: flex; align-items: center; gap: 24px; }
.logo { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 18px; text-decoration: none; letter-spacing: -0.02em; margin-right: auto; }
.logo-mark { width: 34px; height: 34px; border-radius: 10px; background: var(--cta); color: var(--cta-ink); display: grid; place-items: center; font-size: 19px; font-weight: 800; }
.top nav { display: flex; gap: 22px; font-weight: 500; font-size: 14px; color: var(--on-navy-muted); }
.top nav a { text-decoration: none; }
.top nav a:hover { color: var(--on-navy); }
.lang { font: 600 12px var(--f-mono); text-decoration: none; border: 1px solid rgba(255,255,255,.25); border-radius: 8px; padding: 5px 9px; color: var(--on-navy); }
.lang:hover { border-color: var(--cta); }
.crumbs { font-size: 13px; color: var(--on-navy-muted); padding-block: 2px 0; display: flex; flex-wrap: wrap; gap: 6px; }
.crumbs a { text-decoration: none; }
.crumbs a:hover { color: var(--on-navy); text-decoration: underline; }

.hero { display: grid; grid-template-columns: 1fr 440px; gap: 48px; align-items: center; padding-block: 28px 56px; }
.hero > * { min-width: 0; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 600; color: var(--on-navy); background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.14); padding: 6px 12px 6px 8px; border-radius: 999px; margin-bottom: 18px; }
.eyebrow::before { content: "✓"; display: grid; place-items: center; width: 20px; height: 20px; border-radius: 50%; background: var(--good); color: #fff; font-size: 12px; font-weight: 800; }
.hero h1 { font-size: clamp(32px, 5vw, 58px); font-weight: 800; line-height: 1.04; letter-spacing: -0.035em; }
.hero h1 em { font-style: normal; color: var(--cta); }
.hero .lead { color: var(--on-navy-muted); font-size: 18px; max-width: 46ch; margin: 18px 0 26px; }
.ticks { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, max-content)); gap: 10px 28px; font-size: 15px; font-weight: 500; }
.ticks li { display: flex; gap: 10px; align-items: center; }
.ticks li::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--cta); flex: none; }

/* calculator as a receipt */
.calc { background: var(--surface); color: var(--ink); border-radius: 22px; padding: 24px; box-shadow: 0 30px 60px -30px rgba(0,0,0,.55); display: flex; flex-direction: column; gap: 18px; }
.calc-title { font-size: 15px; font-weight: 600; color: var(--muted); }
.amount-big { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; }
.amount-big output { font-size: 40px; font-weight: 800; letter-spacing: -0.03em; line-height: 1; }
.presets { display: flex; gap: 6px; flex-wrap: wrap; }
.preset { border: 1px solid var(--line); background: var(--bg); color: var(--ink); font: 600 13px var(--f-body); padding: 6px 10px; border-radius: 8px; cursor: pointer; }
.preset[aria-pressed="true"] { border-color: var(--sel); background: var(--sel); color: var(--sel-ink); }
.field { display: flex; flex-direction: column; gap: 6px; }
.field-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; font-size: 14px; }
.field-head label { color: var(--muted); font-weight: 500; }
.field-head output { font-weight: 700; font-size: 16px; }
.field-scale { display: flex; justify-content: space-between; font-size: 12px; color: var(--muted); }
input[type=range] { width: 100%; accent-color: var(--sel); height: 26px; margin: 0; }
.hint { color: var(--muted); font-size: 12px; }
.receipt { border-top: 1px dashed var(--line); border-bottom: 1px dashed var(--line); padding-block: 12px; display: flex; flex-direction: column; gap: 6px; font-size: 14px; }
.receipt div { display: flex; align-items: baseline; gap: 8px; }
.receipt span { color: var(--muted); }
.receipt i { flex: 1; border-bottom: 1px dotted var(--line); transform: translateY(-4px); }
.receipt b { font-weight: 700; }
.receipt .save b { color: var(--good); }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; border: 0; cursor: pointer; font: 700 16px var(--f-body); text-decoration: none; border-radius: 14px; padding: 15px 22px; transition: background-color .15s ease, transform .15s ease; }
.btn-cta { background: var(--cta); color: var(--cta-ink); box-shadow: 0 10px 24px -12px rgba(255, 196, 0, .9); }
.btn-cta:hover { background: var(--cta-hover); transform: translateY(-1px); }
.btn-cta::after { content: "→"; font-size: 18px; }
.btn-xl { font-size: 18px; padding: 18px 22px; }
.cta-sub { text-align: center; font-size: 13px; color: var(--muted); margin-top: -8px; }

/* trust strip */
.trust { background: var(--surface); border-bottom: 1px solid var(--line); }
.trust ul { list-style: none; margin: 0 auto; padding-block: 18px; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
.trust li { display: flex; flex-direction: column; gap: 2px; font-size: 13px; color: var(--muted); padding-left: 14px; border-left: 3px solid var(--cta); }
.trust b { color: var(--ink); font-size: 15px; }

/* ---------- sections ---------- */
.section { padding-block: 44px; }
.section + .section { padding-top: 8px; }
.section-head { display: flex; justify-content: space-between; align-items: end; gap: 16px; flex-wrap: wrap; margin-bottom: 18px; }
.section-head h2 { font-size: clamp(24px, 3.2vw, 34px); font-weight: 800; }
.section-head p { margin: 6px 0 0; color: var(--muted); }
.controls { display: flex; gap: 8px; flex-wrap: wrap; align-items: center; margin-bottom: 16px; }
.chip { border: 1px solid var(--line); background: var(--surface); color: var(--ink); font: 600 14px var(--f-body); padding: 9px 14px; border-radius: 999px; cursor: pointer; text-decoration: none; }
.chip[aria-pressed="true"], .chip[aria-current="page"] { background: var(--ink); color: var(--bg); border-color: var(--ink); }
select { font: 600 14px var(--f-body); padding: 9px 12px; border-radius: 10px; border: 1px solid var(--line); background: var(--surface); color: var(--ink); }
.controls .sp { flex: 1; }
.controls label { font-size: 13px; color: var(--muted); }

/* ---------- offer cards (ranked) ---------- */
.offers { display: flex; flex-direction: column; gap: 14px; counter-reset: rank; }
.offer { position: relative; background: var(--surface); border: 1px solid var(--line); border-radius: 20px; padding: 20px 22px; display: grid; grid-template-columns: 36px minmax(200px, 1.1fr) minmax(0, 2fr) 200px; gap: 20px; align-items: center; }
.offer > * { min-width: 0; }
.offer.top-pick { border: 2px solid var(--navy); box-shadow: var(--shadow); padding-top: 26px; }
.ribbon { position: absolute; top: -12px; left: 22px; background: var(--navy); color: var(--on-navy); font-size: 12px; font-weight: 700; padding: 4px 10px; border-radius: 999px; }
.o-rank { font-size: 28px; font-weight: 800; color: var(--line); letter-spacing: -0.04em; text-align: center; }
.top-pick .o-rank { color: var(--navy); }
.brand { display: flex; gap: 12px; align-items: center; }
.mono { width: 48px; height: 48px; flex: none; border-radius: 14px; display: grid; place-items: center; font-weight: 800; font-size: 17px; color: #fff; }
.brand h3 { font-size: 18px; font-weight: 800; }
.brand small { display: block; color: var(--muted); font-size: 12px; }
.badges { display: flex; gap: 6px; flex-wrap: wrap; margin-top: 6px; }
.badge { font-size: 12px; font-weight: 700; padding: 3px 8px; border-radius: 6px; background: var(--good-soft); color: var(--good); }
.o-stats { margin: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 12px; }
.o-stats div { display: flex; flex-direction: column; gap: 2px; }
.o-stats dt { font-size: 12px; color: var(--muted); }
.o-stats dd { margin: 0; font-size: 18px; font-weight: 700; letter-spacing: -0.01em; }
.o-stats dd small { font-size: 12px; font-weight: 500; color: var(--muted); }
.o-stats .hl dd { color: var(--good); }
.offer-cta { display: flex; flex-direction: column; gap: 8px; align-items: stretch; text-align: center; }
.offer-cta .btn { width: 100%; }
.offer-cta a.more { font-size: 13px; color: var(--muted); }
.offer-fine { grid-column: 2 / -1; border-top: 1px solid var(--line); padding-top: 12px; font-size: 13px; color: var(--muted); display: flex; gap: 6px 20px; flex-wrap: wrap; }
.offer-fine b { color: var(--ink); font-weight: 600; }
.footnote { font-size: 12px; color: var(--muted); margin: 12px 0 0; }
.empty { background: var(--surface); border: 1px dashed var(--line); border-radius: 18px; padding: 28px; text-align: center; color: var(--muted); }

/* steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; counter-reset: step; }
.step { padding: 22px; background: var(--surface); border: 1px solid var(--line); border-radius: var(--r); }
.step i { font-style: normal; display: inline-grid; place-items: center; width: 32px; height: 32px; border-radius: 10px; background: var(--navy); color: var(--on-navy); font-weight: 800; font-size: 15px; }
.step h3 { font-size: 17px; font-weight: 700; margin: 14px 0 6px; }
.step p { margin: 0; color: var(--muted); font-size: 14px; }
.step em { font-style: normal; color: var(--ink); font-weight: 600; }

/* faq */
.faq { display: flex; flex-direction: column; gap: 8px; max-width: 820px; }
details { background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 16px 20px; }
summary { cursor: pointer; font-weight: 700; list-style: none; display: flex; justify-content: space-between; gap: 12px; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; font-size: 20px; line-height: 1; color: var(--muted); }
details[open] summary::after { content: "–"; }
details p { color: var(--muted); margin: 10px 0 0; max-width: 70ch; }

/* legal */
.legal-wrap { border-top: 1px solid var(--line); }
.legal { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.legal-block { background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 18px 20px; min-width: 0; font-size: 14px; }
.legal-block.wide { grid-column: 1 / -1; }
.legal-block h3 { font-size: 15px; font-weight: 700; margin-bottom: 10px; }
.legal-block ul { margin: 0; padding-left: 18px; display: flex; flex-direction: column; gap: 6px; }
.legal-block p { margin: 0 0 8px; max-width: 90ch; }
.legal-block .muted { color: var(--muted); font-size: 13px; }
.table-wrap { overflow-x: auto; margin-bottom: 8px; }
table { border-collapse: collapse; width: 100%; font-size: 13px; }
th, td { text-align: left; padding: 9px 10px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { font-size: 12px; color: var(--muted); font-weight: 600; white-space: nowrap; }
td:first-child { font-weight: 600; white-space: nowrap; }

/* footer */
footer { background: var(--navy); color: var(--on-navy-muted); margin-top: 24px; padding-block: 40px 96px; font-size: 13px; }
footer .wrap { display: flex; flex-direction: column; gap: 14px; }
footer p { margin: 0; max-width: 100ch; }
footer b { color: var(--on-navy); }
.hub { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; font-size: 14px; padding-bottom: 20px; border-bottom: 1px solid rgba(255,255,255,.12); margin-bottom: 8px; }
.hub h4 { margin: 0 0 10px; font-size: 13px; color: var(--on-navy); text-transform: uppercase; letter-spacing: .06em; }
.hub ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 6px; }
.hub a { text-decoration: none; }
.hub a:hover { color: var(--on-navy); text-decoration: underline; }

/* inner pages */
.page-head { padding-block: 18px 48px; display: flex; flex-direction: column; gap: 14px; }
.page-head h1 { font-size: clamp(28px, 4.4vw, 48px); font-weight: 800; letter-spacing: -0.03em; }
.page-head .lead { color: var(--on-navy-muted); font-size: 18px; max-width: 60ch; margin: 0; }
.page-head .eyebrow { margin-bottom: 0; align-self: flex-start; }
.prose { max-width: 72ch; display: flex; flex-direction: column; gap: 14px; }
.prose h2 { font-size: clamp(21px, 2.6vw, 27px); font-weight: 800; margin-top: 14px; }
.prose p, .prose ul, .prose ol { margin: 0; }
.prose li + li { margin-top: 6px; }
.note { background: var(--good-soft); border-radius: 14px; padding: 14px 18px; max-width: 72ch; }
.split { display: grid; grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr); gap: 36px; align-items: start; }
.side-card { background: var(--surface); border: 2px solid var(--navy); border-radius: 20px; padding: 22px; display: flex; flex-direction: column; gap: 14px; position: sticky; top: 16px; box-shadow: var(--shadow); }
.side-card dl { margin: 0; display: grid; grid-template-columns: auto 1fr; gap: 9px 16px; font-size: 14px; }
.side-card dt { color: var(--muted); }
.side-card dd { margin: 0; font-weight: 600; }
.pros-cons { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.pros-cons > div { background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 16px 18px; }
.pros-cons h3 { font-size: 15px; margin-bottom: 8px; }
.pros-cons ul { margin: 0; padding-left: 18px; }
.pros-cons > div:first-child h3 { color: var(--good); }
.city-grid { display: flex; flex-wrap: wrap; gap: 8px; }
.city-grid a { text-decoration: none; border: 1px solid var(--line); background: var(--surface); padding: 9px 14px; border-radius: 12px; font-size: 15px; font-weight: 600; }
.city-grid a:hover { border-color: var(--navy); }

/* sticky mobile CTA */
.sticky-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 20; background: var(--surface); border-top: 1px solid var(--line); box-shadow: 0 -10px 30px -16px rgba(0,0,0,.35); padding: 10px max(16px, env(safe-area-inset-right, 0px)) calc(10px + env(safe-area-inset-bottom, 0px)) max(16px, env(safe-area-inset-left, 0px)); display: none; }
.sticky-cta .btn { width: 100%; }

@media (max-width: 1000px) {
  .hero { grid-template-columns: 1fr; gap: 28px; padding-bottom: 36px; }
  .offer { grid-template-columns: 30px minmax(0, 1fr); gap: 14px 14px; }
  .o-stats, .offer-cta, .offer-fine { grid-column: 1 / -1; }
  .o-stats { grid-template-columns: repeat(2, minmax(0, 1fr)); background: var(--bg); border-radius: 12px; padding: 12px; }
  .trust ul { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .steps { grid-template-columns: 1fr; }
  .legal { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; }
  .side-card { position: static; }
  .hub { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .top nav { display: none; }
  .sticky-cta.on { display: block; }
  .ticks { display: none; }
  .hero .lead { font-size: 16px; margin: 12px 0 0; }
  .hero { padding-top: 12px; gap: 20px; }
  .presets { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); }
  .preset { padding: 7px 2px; font-size: 12px; }
  .calc { padding: 18px; }
  .amount-big output { font-size: 34px; }
  .pros-cons { grid-template-columns: 1fr; }
  .o-rank { font-size: 22px; }
  /* Перший екран телефона: заголовок + калькулятор + кнопка «Отримати» без прокрутки. */
  .top { padding-block: 10px; }
  .hero { padding-top: 4px; gap: 14px; }
  .hero .eyebrow { margin-bottom: 10px; font-size: 12px; padding: 4px 10px 4px 6px; }
  .hero .lead, .calc-title, .field .hint, .receipt .rc-get { display: none; }
  .hero h1 { font-size: 25px; line-height: 1.12; letter-spacing: -0.025em; }
  .calc { padding: 14px 16px 16px; gap: 11px; border-radius: 18px; }
  .amount-big output { font-size: 30px; }
  .field { gap: 2px; }
  .field-head { font-size: 13px; }
  .receipt { padding-block: 8px; gap: 4px; font-size: 13px; }
  .btn-xl { font-size: 17px; padding: 15px 18px; }
  .cta-sub { margin-top: -4px; font-size: 12px; }
}
@media (prefers-reduced-motion: reduce) { .btn { transition: none; } .btn-cta:hover { transform: none; } }
.band .chip { background: transparent; color: var(--on-navy); border-color: rgba(255,255,255,.25); }
.band .chip[aria-current="page"] { background: var(--on-navy); color: var(--navy); border-color: var(--on-navy); }
.brand-nav { margin: 4px 0 0; }