:root {
  /* Светлая тема в цветах флага Казахстана: небесно-голубой + золотой */
  --bg: #ffffff;
  --bg-alt: #e9f6f9;
  --surface: #ffffff;
  --surface-2: #f1f9fb;
  --border: #d2e6ec;
  --text: #10242c;
  --muted: #5a6b72;
  --primary: #00afca;       /* голубой флага */
  --primary-dark: #0092aa;
  --accent: #fec50c;        /* золотой флага — для заливок */
  --accent-ink: #957200;    /* читаемый золотой — для текста */
  --radius: 14px;
  --shadow: 0 10px 30px rgba(16, 60, 80, 0.1);
  --maxw: 1140px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 76px; }

body {
  margin: 0;
  font-family: "Inter", system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }

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

/* HEADER */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.88);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.logo { font-weight: 800; font-size: 1.3rem; color: var(--text); }
.logo span { color: var(--primary); }
.logo:hover { text-decoration: none; }
.nav { display: flex; gap: 26px; }
.nav a { color: var(--muted); font-weight: 500; font-size: 0.95rem; }
.nav a:hover { color: var(--text); text-decoration: none; }
.nav-toggle { display: none; background: none; border: none; color: var(--text); font-size: 1.5rem; cursor: pointer; }

/* HERO */
.hero {
  padding: 90px 0 80px;
  background:
    radial-gradient(900px 420px at 82% -10%, rgba(0, 175, 202, 0.18), transparent),
    radial-gradient(760px 420px at 0% 25%, rgba(254, 197, 12, 0.16), transparent);
}
.hero h1 { font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 800; line-height: 1.1; margin: 0 0 20px; max-width: 14ch; }
.hero-sub { font-size: 1.15rem; color: var(--muted); max-width: 62ch; margin: 0 0 18px; }
.hero-aud { font-size: 0.9rem; font-weight: 600; color: var(--accent-ink); letter-spacing: 0.01em; margin: 0 0 32px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; }

.btn { display: inline-flex; align-items: center; padding: 13px 26px; border-radius: 10px; font-weight: 600; transition: 0.15s; }
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--primary); color: #fff; }
.btn-primary:hover { background: var(--primary-dark); }
.btn-ghost { background: transparent; border: 1px solid var(--border); color: var(--text); }
.btn-ghost:hover { border-color: var(--primary); }

/* SECTIONS */
.section { padding: 72px 0; }
.section-alt { background: var(--bg-alt); }
.section-head { max-width: 720px; margin: 0 0 44px; }
.eyebrow { display: inline-block; color: var(--accent-ink); font-weight: 700; font-size: 0.8rem; letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 10px; }
.section-head h2 { font-size: clamp(1.6rem, 3.5vw, 2.3rem); margin: 0 0 12px; }
.section-head p { color: var(--muted); font-size: 1.05rem; margin: 0; }

.disclaimer { color: var(--muted); font-size: 0.85rem; margin-top: 28px; padding-left: 14px; border-left: 3px solid var(--border); }

/* STEPS */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.step-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 26px; }
.step-num { width: 38px; height: 38px; border-radius: 10px; background: linear-gradient(135deg, var(--primary), var(--accent)); color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 700; margin-bottom: 16px; }
.step-card h3 { margin: 0 0 8px; font-size: 1.1rem; }
.step-card p { margin: 0; color: var(--muted); font-size: 0.95rem; }

/* LAW */
.law-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.law-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; }
.law-tag { display: inline-block; background: var(--surface-2); color: var(--accent-ink); font-size: 0.72rem; font-weight: 700; padding: 4px 10px; border-radius: 999px; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 14px; }
.law-card h3 { margin: 0 0 10px; font-size: 1.05rem; line-height: 1.35; }
.law-card p { margin: 0; color: var(--muted); font-size: 0.92rem; }

/* BANKS */
.bank-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.bank-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 22px; display: flex; flex-direction: column; }
.bank-top { display: flex; align-items: center; gap: 12px; margin-bottom: 16px; }
.bank-top h3 { margin: 0; font-size: 1.08rem; }
.bank-avatar { flex-shrink: 0; width: 48px; height: 48px; border-radius: 12px; display: inline-flex; align-items: center; justify-content: center; background: #fff; box-shadow: inset 0 0 0 1px var(--border); overflow: hidden; }
.bank-avatar img { width: 100%; height: 100%; object-fit: contain; padding: 7px; }
.bank-avatar.no-logo { background: color-mix(in srgb, var(--accent) 85%, #000 15%); color: #fff; font-weight: 800; font-size: 1rem; box-shadow: inset 0 0 0 1px color-mix(in srgb, var(--accent) 60%, transparent); letter-spacing: 0.02em; }
.bank-avatar-lg { width: 64px; height: 64px; border-radius: 16px; }
.bank-avatar-lg.no-logo { font-size: 1.35rem; }
.bank-specs { margin: 0 0 16px; display: grid; gap: 9px; }
.bank-specs > div { display: flex; justify-content: space-between; gap: 12px; font-size: 0.88rem; border-bottom: 1px dashed var(--border); padding-bottom: 8px; }
.bank-specs dt { color: var(--muted); margin: 0; }
.bank-specs dd { margin: 0; text-align: right; font-weight: 600; }
.bank-link { margin-top: auto; font-weight: 600; font-size: 0.9rem; }

/* CALCULATOR */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: start; }
.calc-form { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; display: grid; gap: 22px; }
.field label { display: block; font-weight: 600; margin-bottom: 10px; font-size: 0.95rem; }
.field input[type="number"] {
  width: 100%; padding: 12px 14px; background: var(--bg); border: 1px solid var(--border);
  border-radius: 10px; color: var(--text); font-size: 1rem; font-family: inherit;
}
.field input[type="number"]:focus { outline: none; border-color: var(--primary); }
.field input[type="range"] { width: 100%; accent-color: var(--primary); cursor: pointer; }
.field-hint { color: var(--muted); font-size: 0.85rem; margin-top: 6px; }

.calc-result { background: linear-gradient(160deg, var(--surface-2), var(--surface)); border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.result-main { text-align: center; padding-bottom: 22px; border-bottom: 1px solid var(--border); margin-bottom: 22px; }
.result-label { display: block; color: var(--muted); font-size: 0.85rem; margin-bottom: 6px; }
.result-value { font-size: clamp(1.8rem, 4vw, 2.6rem); font-weight: 800; color: var(--accent-ink); }
.result-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.result-item { text-align: center; }
.result-num { font-weight: 700; font-size: 1.02rem; }
.calc-note { color: var(--muted); font-size: 0.8rem; margin: 20px 0 0; }

/* CALC: checkbox + insurance row */
.checkbox { display: flex; align-items: flex-start; gap: 10px; cursor: pointer; font-size: 0.92rem; color: var(--text); }
.checkbox input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--primary); cursor: pointer; flex-shrink: 0; }
.result-insurance { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: 18px; padding-top: 16px; border-top: 1px dashed var(--border); }
.result-insurance .result-label { margin: 0; }
.result-insurance .result-num { color: var(--accent-ink); }

/* CALC: payment composition bar */
.calc-bar-wrap { margin-top: 20px; }
.calc-bar-wrap > .result-label { display: block; margin-bottom: 8px; }
.calc-bar { display: flex; height: 14px; border-radius: 7px; overflow: hidden; background: var(--bg); border: 1px solid var(--border); }
.calc-bar .seg { height: 100%; transition: width 0.3s ease; }
.seg-principal { background: var(--primary); }
.seg-interest { background: var(--accent); }
.seg-insurance { background: #6c5ce7; }
.calc-legend { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-top: 10px; font-size: 0.82rem; color: var(--muted); }
.calc-legend span { display: inline-flex; align-items: center; gap: 7px; }
.dot { width: 11px; height: 11px; border-radius: 3px; display: inline-block; }
.dot-principal { background: var(--primary); }
.dot-interest { background: var(--accent); }
.dot-insurance { background: #6c5ce7; }

/* BANK CARD AS LINK */
.bank-card-link { text-decoration: none; color: inherit; transition: 0.15s; }
.bank-card-link:hover { text-decoration: none; transform: translateY(-3px); border-color: var(--primary); box-shadow: var(--shadow); }
.bank-about { color: var(--muted); font-size: 0.9rem; margin: 0 0 16px; }
.bank-more { margin-top: auto; font-weight: 600; font-size: 0.9rem; color: var(--primary); }

/* BANK PAGE HERO */
.bank-hero { padding: 48px 0 40px; border-bottom: 1px solid var(--border); background: radial-gradient(700px 300px at 85% -20%, color-mix(in srgb, var(--accent) 22%, transparent), transparent); }
.back-link { display: inline-block; color: var(--muted); font-size: 0.9rem; margin-bottom: 18px; }
.bank-hero-title { display: flex; align-items: center; gap: 16px; margin-bottom: 14px; }
.bank-hero h1 { font-size: clamp(1.8rem, 4vw, 2.6rem); margin: 0; }
.bank-hero-about { color: var(--muted); max-width: 70ch; font-size: 1.05rem; margin: 0 0 20px; }
.bank-hero-meta { display: flex; flex-wrap: wrap; gap: 10px 22px; font-size: 0.9rem; color: var(--muted); }
.bank-hero-meta a { font-weight: 600; }

/* PROGRAM SWITCHER */
.prog-tabs { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 28px; }
.prog-tab { padding: 11px 20px; border-radius: 999px; border: 1px solid var(--border); background: var(--surface); color: var(--muted); font-weight: 600; font-size: 0.92rem; cursor: pointer; transition: 0.15s; font-family: inherit; }
.prog-tab:hover { color: var(--text); border-color: var(--primary); }
.prog-tab.active { background: var(--primary); color: #fff; border-color: var(--primary); }

.prog-info { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; }
.prog-head { display: flex; align-items: center; gap: 14px; margin-bottom: 12px; flex-wrap: wrap; }
.prog-head h3 { margin: 0; font-size: 1.4rem; }
.prog-badge { background: var(--surface-2); color: var(--accent-ink); font-size: 0.72rem; font-weight: 700; padding: 5px 12px; border-radius: 999px; text-transform: uppercase; letter-spacing: 0.05em; }
.prog-summary { color: var(--muted); font-size: 1.02rem; margin: 0 0 22px; }
.prog-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.prog-cols h4 { margin: 0 0 12px; font-size: 0.95rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--muted); }
.prog-suitable ul { margin: 0; padding-left: 0; list-style: none; display: grid; gap: 10px; }
.prog-suitable li { position: relative; padding-left: 26px; font-size: 0.95rem; }
.prog-suitable li::before { content: "✓"; position: absolute; left: 0; color: var(--accent-ink); font-weight: 700; }

/* DEVELOPERS */
.dev-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.dev-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: 26px; display: flex; flex-direction: column; }
.dev-head { display: flex; align-items: baseline; justify-content: space-between; gap: 10px; margin-bottom: 12px; }
.dev-head h3 { margin: 0; font-size: 1.25rem; }
.dev-since { color: var(--accent-ink); font-size: 0.82rem; font-weight: 600; white-space: nowrap; }
.dev-cities { color: var(--muted); font-size: 0.88rem; margin: 0 0 12px; }
.dev-card p { color: var(--muted); font-size: 0.95rem; margin: 0 0 16px; }
.dev-link { margin-top: auto; font-weight: 600; }

/* FOOTER */
.site-footer { background: var(--bg-alt); border-top: 1px solid var(--border); padding: 40px 0; }
.footer-inner { display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.site-footer strong { font-size: 1.1rem; }
.site-footer p { color: var(--muted); font-size: 0.9rem; margin: 6px 0 0; }
.footer-note { max-width: 44ch; }

/* RESPONSIVE */
@media (max-width: 980px) {
  .steps, .law-grid, .bank-grid { grid-template-columns: repeat(2, 1fr); }
  .dev-grid { grid-template-columns: 1fr; }
  .calc { grid-template-columns: 1fr; }
  .prog-cols { grid-template-columns: 1fr; gap: 22px; }
}
@media (max-width: 720px) {
  .nav { position: absolute; top: 64px; left: 0; right: 0; flex-direction: column; gap: 0; background: var(--bg-alt); border-bottom: 1px solid var(--border); max-height: 0; overflow: hidden; transition: max-height 0.25s; }
  .nav.open { max-height: 320px; }
  .nav a { padding: 14px 20px; border-top: 1px solid var(--border); }
  .nav-toggle { display: block; }
  .steps, .law-grid, .bank-grid { grid-template-columns: 1fr; }
  .result-grid { grid-template-columns: 1fr; gap: 18px; }
}