/* ===== RESET & BASE ===== */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --blue-900: #000a3d;
    --blue-800: #001064;
    --blue-700: #001a8c;
    --blue-600: #0025E2;
    --blue-500: #0033ff;
    --blue-400: #3366ff;
    --blue-300: #668eff;
    --blue-200: #99b3ff;
    --blue-100: #ccd9ff;
    --blue-50: #e6ecff;

    --purple-500: #6c3ce0;
    --green-500: #00c48c;
    --orange-500: #ff8c00;
    --red-500: #ff3b5c;
    --teal-500: #00b8d9;

    --gray-900: #111827;
    --gray-800: #1f2937;
    --gray-700: #374151;
    --gray-600: #4b5563;
    --gray-500: #6b7280;
    --gray-400: #9ca3af;
    --gray-300: #d1d5db;
    --gray-200: #e5e7eb;
    --gray-100: #f3f4f6;
    --gray-50: #f9fafb;

    --white: #ffffff;
    --black: #000000;

    --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
    --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -2px rgba(0,0,0,0.1);
    --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -4px rgba(0,0,0,0.1);
    --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 8px 10px -6px rgba(0,0,0,0.1);
    --shadow-2xl: 0 25px 50px -12px rgba(0,0,0,0.25);
    --shadow-blue: 0 10px 40px -10px rgba(0, 37, 226, 0.4);

    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 20px;
    --radius-2xl: 24px;
    --radius-full: 9999px;

    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-slow: 0.5s cubic-bezier(0.4, 0, 0.2, 1);

    --container: 1200px;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--gray-900);
    background: var(--white);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

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

ul, ol {
    list-style: none;
}

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

/* ===== COMMON ===== */
.section-header {
    text-align: center;
    margin-bottom: 60px;
}

.section-title {
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    color: var(--gray-900);
    margin-bottom: 16px;
    letter-spacing: -0.02em;
}

.section-title--left {
    text-align: left;
}

.section-subtitle {
    font-size: 1.125rem;
    color: var(--gray-500);
    max-width: 600px;
    margin: 0 auto;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 16px 32px;
    border-radius: var(--radius-full);
    font-family: inherit;
    font-weight: 600;
    font-size: 1rem;
    border: none;
    cursor: pointer;
    transition: var(--transition);
    gap: 8px;
}

.btn--primary {
    background: var(--blue-600);
    color: var(--white);
    box-shadow: var(--shadow-blue);
}

.btn--primary:hover {
    background: var(--blue-500);
    transform: translateY(-2px);
    box-shadow: 0 14px 44px -10px rgba(0, 37, 226, 0.5);
}

.btn--secondary {
    background: var(--blue-50);
    color: var(--blue-600);
}

.btn--secondary:hover {
    background: var(--blue-100);
    transform: translateY(-2px);
}

.btn--white {
    background: var(--white);
    color: var(--blue-600);
    font-weight: 700;
}

.btn--white:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-xl);
}

.btn--full {
    width: 100%;
}

/* ===== HEADER ===== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(0, 0, 0, 0.06);
    transition: var(--transition);
}

.header--scrolled {
    box-shadow: var(--shadow-md);
}

.header__container {
    max-width: var(--container);
    margin: 0 auto;
    padding: 0 24px;
    height: 72px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.header__left {
    display: flex;
    align-items: center;
    gap: 48px;
}

.header__logo {
    display: flex;
    align-items: center;
    transition: var(--transition);
}

.header__logo:hover {
    opacity: 0.8;
}

.header__nav {
    display: flex;
    gap: 32px;
}

.header__nav-link {
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--gray-700);
    transition: var(--transition);
    position: relative;
}

.header__nav-link::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--blue-600);
    transition: var(--transition);
    border-radius: 1px;
}

.header__nav-link:hover {
    color: var(--blue-600);
}

.header__nav-link:hover::after {
    width: 100%;
}

.header__right {
    display: flex;
    align-items: center;
    gap: 16px;
}

.header__online-btn {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 10px 20px;
    background: var(--blue-600);
    color: var(--white);
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 600;
    transition: var(--transition);
}

.header__online-btn:hover {
    background: var(--blue-500);
    transform: translateY(-1px);
}

.pulse-dot {
    width: 8px;
    height: 8px;
    background: #00ff88;
    border-radius: 50%;
    animation: pulse-dot 2s ease-in-out infinite;
}

@keyframes pulse-dot {
    0%, 100% { opacity: 1; box-shadow: 0 0 0 0 rgba(0, 255, 136, 0.5); }
    50% { opacity: 0.8; box-shadow: 0 0 0 6px rgba(0, 255, 136, 0); }
}

.header__burger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px;
}

.header__burger span {
    width: 24px;
    height: 2px;
    background: var(--gray-900);
    border-radius: 2px;
    transition: var(--transition);
}

/* Mobile Menu */
.mobile-menu {
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    z-index: 999;
    transform: translateY(-100%);
    opacity: 0;
    pointer-events: none;
    transition: var(--transition);
    box-shadow: var(--shadow-lg);
    padding: 24px;
}

.mobile-menu--open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: all;
}

.mobile-menu__nav {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.mobile-menu__link {
    font-size: 1.125rem;
    font-weight: 500;
    color: var(--gray-700);
    padding: 8px 0;
    border-bottom: 1px solid var(--gray-100);
}

/* ===== HERO ===== */
.hero {
    padding: 140px 24px 80px;
    position: relative;
    overflow: hidden;
    min-height: 100vh;
    display: flex;
    align-items: center;
    background: linear-gradient(135deg, var(--blue-50) 0%, var(--white) 50%, #f0f0ff 100%);
}

.hero__bg-shapes {
    position: absolute;
    inset: 0;
    overflow: hidden;
    pointer-events: none;
}

.hero__shape {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    opacity: 0.4;
}

.hero__shape--1 {
    width: 600px;
    height: 600px;
    background: var(--blue-200);
    top: -200px;
    right: -100px;
    animation: shape-float 12s ease-in-out infinite;
}

.hero__shape--2 {
    width: 400px;
    height: 400px;
    background: var(--blue-100);
    bottom: -100px;
    left: -100px;
    animation: shape-float 10s ease-in-out infinite reverse;
}

.hero__shape--3 {
    width: 300px;
    height: 300px;
    background: #e0d4ff;
    top: 50%;
    left: 50%;
    animation: shape-float 8s ease-in-out infinite;
}

@keyframes shape-float {
    0%, 100% { transform: translate(0, 0) scale(1); }
    33% { transform: translate(30px, -30px) scale(1.05); }
    66% { transform: translate(-20px, 20px) scale(0.95); }
}

.hero__container {
    max-width: var(--container);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero__badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    background: var(--white);
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--blue-600);
    box-shadow: var(--shadow-md);
    margin-bottom: 24px;
    animation: slide-up 0.8s ease-out;
}

.hero__title {
    font-size: clamp(3rem, 6vw, 4.5rem);
    font-weight: 900;
    line-height: 1.1;
    letter-spacing: -0.03em;
    margin-bottom: 24px;
    animation: slide-up 0.8s ease-out 0.1s backwards;
}

.hero__title-line {
    display: block;
}

.hero__title-line--accent {
    background: linear-gradient(135deg, var(--blue-600), var(--purple-500));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero__subtitle {
    font-size: 1.25rem;
    color: var(--gray-600);
    max-width: 500px;
    margin-bottom: 32px;
    line-height: 1.7;
    animation: slide-up 0.8s ease-out 0.2s backwards;
}

.hero__actions {
    display: flex;
    gap: 16px;
    margin-bottom: 48px;
    animation: slide-up 0.8s ease-out 0.3s backwards;
}

.hero__stats {
    display: flex;
    gap: 40px;
    animation: slide-up 0.8s ease-out 0.4s backwards;
}

.hero__stat {
    display: flex;
    flex-direction: column;
}

.hero__stat-value {
    font-size: 2rem;
    font-weight: 800;
    color: var(--blue-600);
    line-height: 1.2;
}

.hero__stat-label {
    font-size: 0.875rem;
    color: var(--gray-500);
    font-weight: 500;
}

@keyframes slide-up {
    from { opacity: 0; transform: translateY(30px); }
    to { opacity: 1; transform: translateY(0); }
}

/* Credit Card */
.hero__visual {
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
    animation: slide-up 1s ease-out 0.3s backwards;
}

.credit-card {
    width: 380px;
    height: 240px;
    perspective: 1000px;
}

.credit-card__inner {
    width: 100%;
    height: 100%;
    transition: transform 0.8s cubic-bezier(0.4, 0, 0.2, 1);
    transform-style: preserve-3d;
}

.credit-card:hover .credit-card__inner {
    transform: rotateY(10deg) rotateX(-5deg);
}

.credit-card__front {
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, var(--blue-800), var(--blue-600), var(--purple-500));
    border-radius: var(--radius-lg);
    padding: 28px;
    position: relative;
    box-shadow: var(--shadow-2xl), 0 0 60px rgba(0, 37, 226, 0.3);
    overflow: hidden;
}

.credit-card__front::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(255,255,255,0.1) 0%, transparent 50%);
    border-radius: inherit;
}

.credit-card__front::after {
    content: '';
    position: absolute;
    width: 200%;
    height: 200%;
    top: -50%;
    left: -50%;
    background: radial-gradient(circle, rgba(255,255,255,0.05) 0%, transparent 60%);
    animation: card-shine 4s ease-in-out infinite;
}

@keyframes card-shine {
    0%, 100% { transform: translate(-30%, -30%); }
    50% { transform: translate(10%, 10%); }
}

.credit-card__chip {
    width: 45px;
    height: 32px;
    background: linear-gradient(135deg, #f0c060, #d4a040);
    border-radius: 6px;
    position: relative;
    z-index: 1;
}

.credit-card__chip::after {
    content: '';
    position: absolute;
    inset: 4px;
    border: 1px solid rgba(0,0,0,0.15);
    border-radius: 3px;
}

.credit-card__contactless {
    position: absolute;
    top: 28px;
    right: 28px;
    z-index: 1;
    opacity: 0.7;
}

.credit-card__number {
    font-size: 1.25rem;
    font-weight: 500;
    color: var(--white);
    letter-spacing: 3px;
    margin-top: 32px;
    position: relative;
    z-index: 1;
}

.credit-card__bottom {
    display: flex;
    justify-content: space-between;
    margin-top: 20px;
    position: relative;
    z-index: 1;
}

.credit-card__label {
    font-size: 0.625rem;
    color: rgba(255,255,255,0.6);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 4px;
}

.credit-card__name,
.credit-card__expiry {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--white);
    letter-spacing: 1px;
}

.credit-card__logo {
    position: absolute;
    bottom: 28px;
    right: 28px;
    font-size: 1.5rem;
    font-weight: 900;
    color: var(--white);
    z-index: 1;
    opacity: 0.9;
}

/* Floating emojis */
.floating-emoji {
    position: absolute;
    font-size: 2rem;
    animation: emoji-float 6s ease-in-out infinite;
    z-index: 2;
}

.floating-emoji--1 { top: -20px; left: 20px; animation-delay: 0s; }
.floating-emoji--2 { top: 40px; right: -20px; animation-delay: 1.5s; }
.floating-emoji--3 { bottom: 20px; left: -10px; animation-delay: 3s; }
.floating-emoji--4 { bottom: -10px; right: 40px; animation-delay: 4.5s; }

@keyframes emoji-float {
    0%, 100% { transform: translateY(0) rotate(0deg); }
    25% { transform: translateY(-15px) rotate(5deg); }
    50% { transform: translateY(-5px) rotate(-3deg); }
    75% { transform: translateY(-20px) rotate(3deg); }
}

/* ===== TICKER ===== */
.ticker {
    background: var(--blue-600);
    overflow: hidden;
    padding: 14px 0;
}

.ticker__track {
    display: flex;
    white-space: nowrap;
}

.ticker__content {
    display: flex;
    align-items: center;
    gap: 24px;
    animation: ticker-scroll 30s linear infinite;
}

.ticker__item {
    font-size: 0.9375rem;
    font-weight: 500;
    color: var(--white);
    flex-shrink: 0;
}

.ticker__separator {
    color: rgba(255,255,255,0.4);
    flex-shrink: 0;
}

@keyframes ticker-scroll {
    from { transform: translateX(0); }
    to { transform: translateX(-50%); }
}

/* ===== PRODUCTS ===== */
.products {
    padding: 100px 24px;
    background: var(--gray-50);
}

.products__container {
    max-width: var(--container);
    margin: 0 auto;
}

.products__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.product-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 32px;
    transition: var(--transition);
    border: 1px solid var(--gray-100);
    position: relative;
    overflow: hidden;
}

.product-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--blue-600), var(--purple-500));
    opacity: 0;
    transition: var(--transition);
}

.product-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
    border-color: transparent;
}

.product-card:hover::before {
    opacity: 1;
}

.product-card__icon {
    margin-bottom: 20px;
}

.product-card__icon-bg {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
}

.product-card__icon-bg--blue { background: var(--blue-50); }
.product-card__icon-bg--purple { background: #f0e6ff; }
.product-card__icon-bg--green { background: #e6fff5; }
.product-card__icon-bg--orange { background: #fff3e0; }
.product-card__icon-bg--red { background: #ffe6ea; }
.product-card__icon-bg--teal { background: #e0f7fa; }

.product-card__title {
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 12px;
    color: var(--gray-900);
}

.product-card__desc {
    font-size: 0.9375rem;
    color: var(--gray-600);
    margin-bottom: 20px;
    line-height: 1.6;
}

.product-card__features {
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-bottom: 20px;
}

.product-card__features li {
    font-size: 0.875rem;
    color: var(--gray-700);
    padding-left: 20px;
    position: relative;
}

.product-card__features li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--green-500);
    font-weight: 700;
}

.product-card__link {
    font-size: 0.9375rem;
    font-weight: 600;
    color: var(--blue-600);
    transition: var(--transition);
}

.product-card__link:hover {
    color: var(--blue-500);
    gap: 12px;
}

/* ===== PROMO BANNER ===== */
.promo-banner {
    background: linear-gradient(135deg, var(--blue-800), var(--blue-600));
    padding: 80px 24px;
    position: relative;
    overflow: hidden;
}

.promo-banner::before {
    content: '';
    position: absolute;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: rgba(255,255,255,0.05);
    right: -100px;
    top: -200px;
}

.promo-banner::after {
    content: '';
    position: absolute;
    width: 300px;
    height: 300px;
    border-radius: 50%;
    background: rgba(255,255,255,0.03);
    left: -50px;
    bottom: -100px;
}

.promo-banner__container {
    max-width: var(--container);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.promo-banner__badge {
    display: inline-flex;
    padding: 8px 16px;
    background: rgba(255,255,255,0.15);
    border-radius: var(--radius-full);
    color: var(--white);
    font-size: 0.875rem;
    font-weight: 600;
    margin-bottom: 16px;
    backdrop-filter: blur(10px);
}

.promo-banner__title {
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 800;
    color: var(--white);
    margin-bottom: 16px;
}

.promo-banner__text {
    font-size: 1.125rem;
    color: rgba(255,255,255,0.8);
    max-width: 600px;
    margin-bottom: 24px;
    line-height: 1.7;
}

.promo-banner__rate {
    display: flex;
    align-items: baseline;
    gap: 12px;
    margin-bottom: 32px;
}

.promo-banner__rate-value {
    font-size: 4rem;
    font-weight: 900;
    color: var(--white);
    line-height: 1;
}

.promo-banner__rate-label {
    font-size: 1.125rem;
    color: rgba(255,255,255,0.7);
}

.promo-card {
    background: rgba(255,255,255,0.1);
    backdrop-filter: blur(20px);
    border-radius: var(--radius-xl);
    padding: 48px;
    text-align: center;
    border: 1px solid rgba(255,255,255,0.15);
    animation: promo-float 4s ease-in-out infinite;
}

@keyframes promo-float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
}

.promo-card__emoji {
    font-size: 4rem;
    margin-bottom: 16px;
}

.promo-card__text {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 4px;
}

.promo-card__subtext {
    font-size: 0.875rem;
    color: rgba(255,255,255,0.6);
}

/* ===== RATES ===== */
.rates {
    padding: 100px 24px;
}

.rates__container {
    max-width: var(--container);
    margin: 0 auto;
}

.rates__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.rate-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 28px;
    display: flex;
    flex-direction: column;
    gap: 20px;
    transition: var(--transition);
}

.rate-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--blue-200);
}

.rate-card__flag {
    font-size: 2.5rem;
}

.rate-card__info {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.rate-card__name {
    font-weight: 700;
    font-size: 1.125rem;
    color: var(--gray-900);
}

.rate-card__code {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--gray-400);
    background: var(--gray-50);
    padding: 4px 10px;
    border-radius: var(--radius-sm);
}

.rate-card__values {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.rate-card__label {
    display: block;
    font-size: 0.75rem;
    color: var(--gray-500);
    margin-bottom: 4px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.rate-card__value {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--gray-900);
}

.rate-card__value--red {
    color: var(--red-500);
}

/* ===== CALCULATOR ===== */
.calculator {
    padding: 100px 24px;
    background: var(--gray-50);
}

.calculator__container {
    max-width: var(--container);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: start;
}

.calculator__desc {
    font-size: 1.125rem;
    color: var(--gray-600);
    margin-top: 16px;
    margin-bottom: 32px;
    line-height: 1.7;
}

.calculator__features {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.calculator__feature {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 1rem;
    color: var(--gray-700);
}

.calculator__feature-icon {
    font-size: 1.5rem;
}

.calculator__form-wrapper {
    position: sticky;
    top: 96px;
}

.calculator__form {
    background: var(--white);
    border-radius: var(--radius-2xl);
    padding: 40px;
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--gray-100);
}

.calculator__field {
    margin-bottom: 28px;
}

.calculator__label {
    display: block;
    font-size: 0.9375rem;
    font-weight: 600;
    color: var(--gray-700);
    margin-bottom: 12px;
}

.calculator__range {
    width: 100%;
    height: 8px;
    -webkit-appearance: none;
    appearance: none;
    background: var(--gray-200);
    border-radius: 4px;
    outline: none;
}

.calculator__range::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--blue-600);
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(0, 37, 226, 0.3);
    transition: var(--transition);
}

.calculator__range::-webkit-slider-thumb:hover {
    transform: scale(1.15);
    box-shadow: 0 4px 12px rgba(0, 37, 226, 0.4);
}

.calculator__range::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--blue-600);
    cursor: pointer;
    border: none;
    box-shadow: 0 2px 8px rgba(0, 37, 226, 0.3);
}

.calculator__range-value {
    text-align: right;
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--blue-600);
    margin-top: 8px;
}

.calculator__result {
    background: linear-gradient(135deg, var(--blue-50), #f0e6ff);
    border-radius: var(--radius-lg);
    padding: 24px;
    text-align: center;
    margin-bottom: 20px;
}

.calculator__result-label {
    font-size: 0.875rem;
    color: var(--gray-600);
    margin-bottom: 8px;
}

.calculator__result-value {
    font-size: 2.5rem;
    font-weight: 900;
    color: var(--red-500);
    line-height: 1.2;
}

.calculator__result-comment {
    font-size: 0.875rem;
    color: var(--gray-500);
    margin-top: 8px;
}

/* ===== TESTIMONIALS ===== */
.testimonials {
    padding: 100px 24px;
}

.testimonials__container {
    max-width: var(--container);
    margin: 0 auto;
}

.testimonials__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.testimonial-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 32px;
    transition: var(--transition);
}

.testimonial-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--blue-200);
}

.testimonial-card__stars {
    margin-bottom: 16px;
    font-size: 1.125rem;
}

.testimonial-card__text {
    font-size: 1rem;
    color: var(--gray-700);
    line-height: 1.7;
    margin-bottom: 24px;
    font-style: italic;
}

.testimonial-card__author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.testimonial-card__avatar {
    width: 48px;
    height: 48px;
    background: var(--blue-50);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
}

.testimonial-card__name {
    font-weight: 700;
    font-size: 0.9375rem;
    color: var(--gray-900);
}

.testimonial-card__role {
    font-size: 0.8125rem;
    color: var(--gray-500);
}

/* ===== ABOUT ===== */
.about {
    padding: 100px 24px;
    background: var(--gray-50);
}

.about__container {
    max-width: var(--container);
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
}

.about__text {
    font-size: 1.125rem;
    color: var(--gray-600);
    line-height: 1.8;
    margin-bottom: 16px;
}

.about__numbers {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    margin-top: 40px;
}

.about__number {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 24px;
    text-align: center;
    border: 1px solid var(--gray-200);
    transition: var(--transition);
}

.about__number:hover {
    border-color: var(--blue-200);
    transform: translateY(-2px);
}

.about__number-value {
    font-size: 2rem;
    font-weight: 900;
    color: var(--blue-600);
    margin-bottom: 4px;
}

.about__number-label {
    font-size: 0.875rem;
    color: var(--gray-500);
}

/* Timeline */
.about__timeline-title {
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 32px;
    color: var(--gray-900);
}

.timeline {
    position: relative;
    padding-left: 32px;
}

.timeline::before {
    content: '';
    position: absolute;
    left: 0;
    top: 8px;
    bottom: 8px;
    width: 3px;
    background: linear-gradient(to bottom, var(--blue-600), var(--purple-500));
    border-radius: 3px;
}

.timeline__item {
    position: relative;
    padding-bottom: 32px;
}

.timeline__item:last-child {
    padding-bottom: 0;
}

.timeline__item::before {
    content: '';
    position: absolute;
    left: -37px;
    top: 6px;
    width: 12px;
    height: 12px;
    background: var(--blue-600);
    border-radius: 50%;
    border: 3px solid var(--white);
    box-shadow: 0 0 0 3px var(--blue-200);
}

.timeline__year {
    font-size: 0.875rem;
    font-weight: 800;
    color: var(--blue-600);
    margin-bottom: 4px;
}

.timeline__event {
    font-size: 1rem;
    color: var(--gray-700);
    line-height: 1.6;
}

/* ===== APP SECTION ===== */
.app-section {
    padding: 100px 24px;
    overflow: hidden;
}

.app-section__container {
    max-width: var(--container);
    margin: 0 auto;
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 80px;
    align-items: center;
}

/* Phone Mockup */
.phone-mockup {
    width: 280px;
    height: 560px;
    background: var(--gray-900);
    border-radius: 40px;
    padding: 12px;
    box-shadow: var(--shadow-2xl), 0 0 0 1px rgba(255,255,255,0.1) inset;
    position: relative;
}

.phone-mockup::before {
    content: '';
    position: absolute;
    top: 12px;
    left: 50%;
    transform: translateX(-50%);
    width: 100px;
    height: 28px;
    background: var(--black);
    border-radius: 0 0 16px 16px;
    z-index: 10;
}

.phone-mockup__screen {
    width: 100%;
    height: 100%;
    background: linear-gradient(180deg, var(--blue-700), var(--blue-600));
    border-radius: 30px;
    overflow: hidden;
    position: relative;
}

.phone-mockup__status-bar {
    display: flex;
    justify-content: space-between;
    padding: 16px 20px 8px;
    font-size: 0.75rem;
    color: var(--white);
    font-weight: 600;
}

.phone-mockup__app {
    padding: 20px;
}

.phone-mockup__header {
    font-size: 1.125rem;
    font-weight: 700;
    color: var(--white);
    text-align: center;
    margin-bottom: 24px;
}

.phone-mockup__balance {
    background: rgba(255,255,255,0.1);
    border-radius: var(--radius-lg);
    padding: 20px;
    text-align: center;
    margin-bottom: 24px;
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255,255,255,0.1);
}

.phone-mockup__balance-label {
    font-size: 0.75rem;
    color: rgba(255,255,255,0.7);
    margin-bottom: 8px;
}

.phone-mockup__balance-value {
    font-size: 1.75rem;
    font-weight: 800;
    color: var(--white);
}

.phone-mockup__list {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.phone-mockup__item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 12px 16px;
    background: rgba(255,255,255,0.08);
    border-radius: var(--radius-md);
    font-size: 0.875rem;
    color: var(--white);
    border: 1px solid rgba(255,255,255,0.05);
}

.phone-mockup__item-amount {
    font-weight: 700;
    color: var(--red-500);
}

.phone-mockup__item-amount--green {
    color: var(--green-500);
}

.phone-mockup__item--green {
    background: rgba(0, 196, 140, 0.1);
    border-color: rgba(0, 196, 140, 0.2);
}

.app-section__text {
    font-size: 1.125rem;
    color: var(--gray-600);
    margin-top: 16px;
    margin-bottom: 32px;
    line-height: 1.7;
}

.app-section__features {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin-bottom: 40px;
}

.app-section__feature {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}

.app-section__feature-icon {
    font-size: 1.5rem;
    flex-shrink: 0;
    margin-top: 2px;
}

.app-section__feature strong {
    display: block;
    font-size: 1rem;
    color: var(--gray-900);
    margin-bottom: 4px;
}

.app-section__feature p {
    font-size: 0.9375rem;
    color: var(--gray-500);
    line-height: 1.5;
}

.app-section__buttons {
    display: flex;
    gap: 16px;
}

.app-store-btn {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 20px;
    background: var(--gray-900);
    color: var(--white);
    border-radius: var(--radius-md);
    transition: var(--transition);
}

.app-store-btn:hover {
    background: var(--gray-800);
    transform: translateY(-2px);
}

.app-store-btn__icon {
    font-size: 1.5rem;
}

.app-store-btn small {
    font-size: 0.6875rem;
    color: rgba(255,255,255,0.7);
}

.app-store-btn div div {
    font-size: 1rem;
    font-weight: 600;
}

/* ===== FAQ ===== */
.faq {
    padding: 100px 24px;
    background: var(--gray-50);
}

.faq__container {
    max-width: 800px;
    margin: 0 auto;
}

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

.faq__item {
    background: var(--white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--gray-200);
    overflow: hidden;
    transition: var(--transition);
}

.faq__item:hover {
    border-color: var(--blue-200);
}

.faq__item--open {
    box-shadow: var(--shadow-md);
    border-color: var(--blue-200);
}

.faq__question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 24px;
    background: none;
    border: none;
    cursor: pointer;
    font-family: inherit;
    font-size: 1rem;
    font-weight: 600;
    color: var(--gray-900);
    text-align: left;
    gap: 16px;
}

.faq__icon {
    font-size: 1.5rem;
    color: var(--blue-600);
    transition: var(--transition);
    flex-shrink: 0;
    width: 28px;
    height: 28px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--blue-50);
    border-radius: 50%;
}

.faq__item--open .faq__icon {
    transform: rotate(45deg);
    background: var(--blue-600);
    color: var(--white);
}

.faq__answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
}

.faq__item--open .faq__answer {
    max-height: 300px;
}

.faq__answer p {
    padding: 0 24px 20px;
    font-size: 0.9375rem;
    color: var(--gray-600);
    line-height: 1.7;
}

/* ===== CONTACTS ===== */
.contacts {
    padding: 100px 24px;
}

.contacts__container {
    max-width: var(--container);
    margin: 0 auto;
}

.contacts__grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.contact-card {
    background: var(--white);
    border: 1px solid var(--gray-200);
    border-radius: var(--radius-xl);
    padding: 32px;
    text-align: center;
    transition: var(--transition);
}

.contact-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--blue-200);
}

.contact-card__icon {
    font-size: 2.5rem;
    margin-bottom: 16px;
}

.contact-card__title {
    font-size: 1rem;
    font-weight: 700;
    color: var(--gray-900);
    margin-bottom: 8px;
}

.contact-card__value {
    font-size: 0.9375rem;
    font-weight: 600;
    color: var(--blue-600);
    margin-bottom: 8px;
}

.contact-card__note {
    font-size: 0.8125rem;
    color: var(--gray-500);
    line-height: 1.5;
}

/* ===== FOOTER ===== */
.footer {
    background: var(--gray-900);
    color: var(--white);
    padding: 80px 24px 40px;
}

.footer__container {
    max-width: var(--container);
    margin: 0 auto;
}

.footer__top {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 80px;
    margin-bottom: 60px;
}

.footer__tagline {
    font-size: 0.9375rem;
    color: var(--gray-400);
    margin-top: 16px;
}

.footer__links {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}

.footer__column-title {
    font-size: 0.875rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--gray-400);
    margin-bottom: 20px;
}

.footer__link {
    display: block;
    font-size: 0.9375rem;
    color: var(--gray-300);
    padding: 4px 0;
    transition: var(--transition);
}

.footer__link:hover {
    color: var(--white);
    padding-left: 8px;
}

/* Disclaimer */
.footer__disclaimer {
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: var(--radius-lg);
    padding: 32px;
    margin-bottom: 40px;
}

.footer__disclaimer-title {
    font-size: 1.125rem;
    font-weight: 700;
    margin-bottom: 16px;
    color: #ffcc00;
}

.footer__disclaimer p {
    font-size: 0.8125rem;
    color: var(--gray-400);
    line-height: 1.7;
    margin-bottom: 12px;
}

.footer__disclaimer p:last-of-type {
    margin-bottom: 0;
}

.footer__disclaimer-small {
    font-size: 0.75rem !important;
    color: var(--gray-500) !important;
    margin-top: 16px !important;
    padding-top: 16px;
    border-top: 1px solid rgba(255,255,255,0.1);
}

.footer__bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-top: 24px;
    border-top: 1px solid rgba(255,255,255,0.1);
    font-size: 0.8125rem;
    color: var(--gray-500);
}

/* ===== BACK TO TOP ===== */
.back-to-top {
    position: fixed;
    bottom: 32px;
    right: 32px;
    width: 48px;
    height: 48px;
    background: var(--blue-600);
    color: var(--white);
    border: none;
    border-radius: 50%;
    font-size: 1.25rem;
    cursor: pointer;
    box-shadow: var(--shadow-blue);
    transition: var(--transition);
    opacity: 0;
    visibility: hidden;
    transform: translateY(20px);
    z-index: 100;
}

.back-to-top--visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.back-to-top:hover {
    background: var(--blue-500);
    transform: translateY(-4px);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .hero__container {
        grid-template-columns: 1fr;
        gap: 60px;
    }

    .hero__visual {
        order: -1;
    }

    .credit-card {
        width: 320px;
        height: 200px;
    }

    .products__grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .rates__grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .calculator__container {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .testimonials__grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .about__container {
        grid-template-columns: 1fr;
        gap: 60px;
    }

    .app-section__container {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .app-section__phone {
        display: flex;
        justify-content: center;
        order: -1;
    }

    .contacts__grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .footer__top {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .promo-banner__container {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .header__nav {
        display: none;
    }

    .header__burger {
        display: flex;
    }

    .hero {
        padding-top: 120px;
        min-height: auto;
    }

    .hero__stats {
        flex-wrap: wrap;
        gap: 24px;
    }

    .hero__actions {
        flex-direction: column;
    }

    .hero__actions .btn {
        text-align: center;
    }

    .products__grid,
    .rates__grid,
    .testimonials__grid {
        grid-template-columns: 1fr;
    }

    .about__numbers {
        grid-template-columns: repeat(2, 1fr);
    }

    .contacts__grid {
        grid-template-columns: 1fr;
    }

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

    .footer__bottom {
        flex-direction: column;
        gap: 8px;
        text-align: center;
    }

    .app-section__buttons {
        flex-direction: column;
    }

    .phone-mockup {
        width: 240px;
        height: 480px;
        border-radius: 32px;
    }

    .phone-mockup__screen {
        border-radius: 22px;
    }

    .promo-card {
        display: none;
    }
}

@media (max-width: 480px) {
    .section-title {
        font-size: 1.75rem;
    }

    .hero__title {
        font-size: 2.5rem;
    }

    .credit-card {
        width: 280px;
        height: 180px;
    }

    .credit-card__front {
        padding: 20px;
    }

    .credit-card__number {
        font-size: 1rem;
        margin-top: 20px;
    }
}

/* ===== ANIMATIONS ===== */
.animate-on-scroll {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

.animate-on-scroll.animated {
    opacity: 1;
    transform: translateY(0);
}