/* fin-ance.online — інформаційний сервіс з питань кредитування */

:root {
	--pine: #1f4d40;
	--pine-deep: #173b31;
	--pine-soft: #2c6857;
	--ink: #22332d;
	--muted: #5b6b65;
	--mist: #edf2ef;
	--paper: #ffffff;
	--line: #cfd9d4;
	--brass: #b8862b;
	--brass-soft: #f4ead6;
	--warn-bg: #fbf4e4;
	--warn-line: #e7d2a2;
	--warn-ink: #6a5320;

	--font-display: "Unbounded", "Arial Black", Arial, sans-serif;
	--font-body: "Onest", "Segoe UI", Arial, sans-serif;

	--wrap: 1120px;
	--r-sm: 6px;
	--r-md: 12px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

body {
	margin: 0;
	font-family: var(--font-body);
	font-size: 17px;
	line-height: 1.6;
	color: var(--ink);
	background: var(--paper);
	font-variant-numeric: tabular-nums;
}

img { max-width: 100%; display: block; }
a { color: var(--pine); }
a:hover { color: var(--pine-soft); }

:focus-visible {
	outline: 3px solid var(--brass);
	outline-offset: 3px;
	border-radius: 2px;
}

.wrap {
	width: 100%;
	max-width: var(--wrap);
	margin: 0 auto;
	padding: 0 24px;
}

.skip {
	position: absolute; left: -9999px; top: 8px;
	background: var(--pine); color: #fff; padding: 8px 14px; border-radius: var(--r-sm);
	z-index: 100;
}
.skip:focus { left: 8px; color: #fff; }

/* ── Type scale ───────────────────────────────────────── */
h1, h2, h3 { margin: 0; color: var(--ink); }
h1 {
	font-family: var(--font-display);
	font-weight: 600;
	font-size: clamp(2rem, 1.2rem + 3.4vw, 3.6rem);
	line-height: 1.08;
	letter-spacing: -0.02em;
	max-width: 15ch;
}
h2 {
	font-family: var(--font-display);
	font-weight: 500;
	font-size: clamp(1.5rem, 1.1rem + 1.6vw, 2.25rem);
	line-height: 1.15;
	letter-spacing: -0.015em;
}
h3 {
	font-family: var(--font-body);
	font-weight: 600;
	font-size: 1.15rem;
	line-height: 1.35;
}
p { margin: 0; }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 58ch; }

/* ── Buttons ──────────────────────────────────────────── */
.btn {
	display: inline-flex; align-items: center; justify-content: center;
	gap: 8px;
	font: 600 1rem/1 var(--font-body);
	padding: 16px 26px;
	border-radius: var(--r-sm);
	border: 2px solid transparent;
	text-decoration: none;
	cursor: pointer;
	transition: background-color .15s ease, color .15s ease, border-color .15s ease;
}
.btn--primary { background: var(--pine); color: #fff; }
.btn--primary:hover { background: var(--pine-deep); color: #fff; }
.btn--ghost { background: transparent; color: var(--pine); border-color: var(--pine); }
.btn--ghost:hover { background: var(--pine); color: #fff; }
.btn--block { width: 100%; }
.btn[disabled] { opacity: .6; cursor: progress; }

/* ── Header ───────────────────────────────────────────── */
.site-header {
	position: sticky; top: 0; z-index: 50;
	background: rgba(255, 255, 255, .96);
	border-bottom: 1px solid var(--line);
	backdrop-filter: saturate(1.2) blur(6px);
}
.site-header__row {
	display: flex; align-items: center; justify-content: space-between;
	gap: 24px; min-height: 76px;
}
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); }
.brand__logo { width: 44px; height: 44px; flex: none; }
.brand__text { display: flex; flex-direction: column; line-height: 1.1; }
.brand__mark {
	font-family: var(--font-display); font-weight: 600; font-size: 1.3rem;
	letter-spacing: -0.02em; color: var(--pine);
}
.brand__note { font-size: .78rem; color: var(--muted); margin-top: 4px; white-space: nowrap; }

.nav { display: flex; align-items: center; gap: 28px; }
.nav a {
	white-space: nowrap; color: var(--ink); text-decoration: none; font-weight: 500; font-size: .97rem;
	padding: 6px 0; border-bottom: 2px solid transparent;
}
.nav a:hover { border-bottom-color: var(--brass); color: var(--ink); }

.nav-toggle {
	display: none; flex: none;
	background: none; border: 1px solid var(--line); border-radius: var(--r-sm);
	padding: 10px 14px; font: 500 .95rem var(--font-body); color: var(--ink); cursor: pointer;
}

@media (max-width: 960px) {
	.nav-toggle { display: inline-flex; }
	.nav {
		display: none;
		position: absolute; left: 0; right: 0; top: 100%;
		flex-direction: column; align-items: stretch; gap: 0;
		background: var(--paper); border-bottom: 1px solid var(--line);
		padding: 8px 24px 16px;
	}
	.nav.is-open { display: flex; }
	.nav a { padding: 14px 0; border-bottom: 1px solid var(--line); }
	.nav a:last-child { border-bottom: 0; }
}

/* ── Sections ─────────────────────────────────────────── */
.section { padding: 96px 0; }
.section--mist { background: var(--mist); }
.section__head { max-width: 680px; margin-bottom: 52px; }
.section__head--center { margin-left: auto; margin-right: auto; text-align: center; }
.section__head p { margin-top: 14px; color: var(--muted); font-size: 1.08rem; }
@media (max-width: 700px) { .section { padding: 64px 0; } .section__head { margin-bottom: 34px; } }

/* Check list (hero, about) */
.checks { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.checks li { position: relative; padding-left: 36px; font-weight: 500; }
.checks li::before {
	content: ""; position: absolute; left: 0; top: 2px;
	width: 24px; height: 24px; border-radius: 50%;
	background: var(--pine) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M7 12.5l3.2 3.2L17 9' fill='none' stroke='%23fff' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 18px no-repeat;
}

/* ── Hero ─────────────────────────────────────────────── */
.hero { padding: 72px 0 88px; background: linear-gradient(180deg, var(--paper) 0%, var(--mist) 100%); }
.hero__grid {
	display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr);
	gap: 56px; align-items: center;
}
.hero h1 { max-width: none; font-size: clamp(2rem, 1.2rem + 2vw, 2.7rem); text-wrap: balance; }
.hero__lead { margin-top: 22px; }
.hero__checks { margin-top: 28px; }
.hero__actions { margin-top: 36px; display: flex; flex-wrap: wrap; gap: 14px; }
.hero__image img { width: 100%; max-width: 540px; height: auto; margin-left: auto; }

@media (max-width: 980px) {
	.hero__grid { grid-template-columns: 1fr; gap: 40px; }
	.hero__image { order: -1; }
	.hero__image img { max-width: 360px; margin: 0 auto; }
}
@media (max-width: 700px) { .hero { padding: 40px 0 64px; } }
@media (max-width: 520px) {
	.hero h1 { font-size: 1.75rem; line-height: 1.12; }
	h2 { font-size: 1.45rem; }
	.hero__image img { max-width: 260px; }
	.brand__note { white-space: normal; max-width: 170px; }
	.brand__logo { width: 38px; height: 38px; }
	.site-header__row { gap: 12px; }
}

/* ── Services: flip cards ─────────────────────────────── */
.services { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 28px; }
.flip { perspective: 1200px; height: 330px; outline: none; }
.flip__inner {
	position: relative; width: 100%; height: 100%;
	transition: transform .6s cubic-bezier(.2, .7, .2, 1);
	transform-style: preserve-3d;
}
.flip:hover .flip__inner, .flip:focus-within .flip__inner, .flip:focus .flip__inner { transform: rotateY(180deg); }
.flip:focus-visible { outline: 3px solid var(--brass); outline-offset: 4px; border-radius: var(--r-md); }
.flip__front, .flip__back {
	position: absolute; inset: 0;
	backface-visibility: hidden; -webkit-backface-visibility: hidden;
	border-radius: var(--r-md); padding: 34px 30px;
	display: flex; flex-direction: column;
}
.flip__front { background: var(--pine); color: #d6e6df; }
.flip__front h3 { color: #fff; font-size: 1.2rem; margin: 22px 0 10px; }
.flip__icon { width: 46px; height: 46px; fill: var(--brass); }
.flip__front p { font-size: .98rem; }
.flip__back {
	transform: rotateY(180deg);
	background: var(--pine-deep); color: #fff;
	justify-content: center; align-items: flex-start; gap: 24px;
	border: 2px solid var(--brass);
}
.flip__back h3 { color: #fff; font-family: var(--font-display); font-weight: 500; font-size: 1.25rem; line-height: 1.3; }
@media (max-width: 900px) {
	.services { grid-template-columns: 1fr; gap: 18px; }
	.flip { height: auto; perspective: none; }
	.flip__inner { transform: none !important; }
	.flip__front { position: relative; }
	.flip__back { display: none; }
}
@media (prefers-reduced-motion: reduce) { .flip__inner { transition: none; } }

.btn--light { background: #fff; color: var(--pine); }
.btn--light:hover { background: var(--brass-soft); color: var(--pine-deep); }

/* ── About ────────────────────────────────────────────── */
.about { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.about__text h2 { margin-bottom: 22px; }
.about__text p { max-width: 60ch; color: var(--muted); }
.about__text p + p { margin-top: 14px; }
.about__accent {
	color: var(--ink) !important; font-weight: 600;
	padding-left: 16px; border-left: 3px solid var(--brass);
}
.about__text .checks { margin: 26px 0 32px; }
.about__image img { width: 100%; height: auto; border-radius: var(--r-md); }
@media (max-width: 900px) { .about { grid-template-columns: 1fr; gap: 36px; } .about__image { order: -1; } }

/* ── Steps ────────────────────────────────────────────── */
.steps {
	list-style: none; padding: 0; margin: 0;
	display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 32px;
	counter-reset: step;
}
.step {
	counter-increment: step; text-align: center;
	background: var(--paper); border: 1px solid var(--line); border-radius: var(--r-md);
	padding: 32px 26px 30px;
}
.step img { width: 150px; height: 150px; margin: 0 auto 22px; }
.step h3::before {
	content: counter(step) ". "; color: var(--brass);
}
.step p { margin-top: 10px; color: var(--muted); }
@media (max-width: 860px) {
	.steps { grid-template-columns: 1fr; gap: 18px; }
	.step { display: grid; grid-template-columns: 96px 1fr; gap: 0 18px; text-align: left; padding: 22px 20px; align-items: center; }
	.step img { width: 96px; height: 96px; margin: 0; grid-row: span 2; }
	.step p { margin-top: 4px; }
}

/* ── FAQ ──────────────────────────────────────────────── */
.faq { max-width: 820px; margin: 0 auto; }
.faq details { border-bottom: 1px solid var(--line); }
.faq details:first-of-type { border-top: 1px solid var(--line); }
.faq summary {
	list-style: none; cursor: pointer;
	display: flex; justify-content: space-between; align-items: center; gap: 24px;
	padding: 24px 0; font-weight: 600; font-size: 1.12rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
	content: ""; flex: none; width: 14px; height: 14px;
	border-right: 2px solid var(--pine); border-bottom: 2px solid var(--pine);
	transform: rotate(45deg) translate(-3px, -3px);
	transition: transform .2s ease;
}
.faq details[open] summary::after { transform: rotate(225deg) translate(-3px, -3px); }
.faq details p { padding: 0 0 24px; color: var(--muted); max-width: 66ch; }
@media (prefers-reduced-motion: reduce) { .faq summary::after { transition: none; } }

/* ── Key terms ────────────────────────────────────────── */
.terms { display: grid; grid-template-columns: 1fr 1.25fr; gap: 32px; align-items: stretch; }
.terms__box {
	background: var(--paper); border: 1px solid var(--line); border-radius: var(--r-md);
	padding: 28px 30px;
}
.terms__box h3 { margin-bottom: 18px; }
.terms dl { margin: 0; }
.terms dl div {
	display: flex; justify-content: space-between; gap: 16px;
	padding: 12px 0; border-bottom: 1px dashed var(--line);
}
.terms dl div:last-child { border-bottom: 0; }
.terms dt { color: var(--muted); }
.terms dd { margin: 0; font-weight: 600; text-align: right; }

.example__text { color: var(--ink); }
.cost { margin-top: 28px; }
.cost__bar {
	display: flex; height: 44px; border-radius: var(--r-sm); overflow: hidden;
}
.cost__principal { flex: 100000; background: var(--pine); }
.cost__interest  { flex: 11190.56; background: var(--brass); }
.cost__legend {
	display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px 20px;
	margin-top: 12px; font-size: .9rem;
}
.cost__legend span { display: inline-flex; align-items: center; gap: 8px; }
.cost__legend i { width: 12px; height: 12px; border-radius: 2px; display: inline-block; }
.cost__legend .i-principal { background: var(--pine); }
.cost__legend .i-interest { background: var(--brass); }
.cost__months {
	margin-top: 26px;
	display: grid; grid-template-columns: repeat(12, minmax(0, 1fr)); gap: 4px;
}
.cost__months span {
	height: 30px; border-radius: 3px;
	background: var(--brass-soft); border: 1px solid #e3cf9f;
	font-size: .72rem; color: var(--warn-ink);
	display: grid; place-items: center;
}
.cost__caption { margin-top: 10px; font-size: .9rem; color: var(--muted); }
.terms__note {
	margin-top: 28px; padding: 16px 20px;
	background: var(--warn-bg); border: 1px solid var(--warn-line); border-radius: var(--r-sm);
	color: var(--warn-ink);
}
@media (max-width: 900px) { .terms { grid-template-columns: 1fr; } }
@media (max-width: 420px) {
	.terms__box { padding: 22px 18px; }
	.cost__months span { font-size: 0; }
}

/* ── Contact / form ───────────────────────────────────── */
.contact { background: var(--pine); color: #e6efeb; }
.contact h2, .contact h3 { color: #fff; }
.contact__grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 64px; align-items: start; }
.contact__info p { color: #cfe0d9; }
.contact-card {
	margin-top: 28px; padding: 24px 26px;
	border: 1px solid rgba(255, 255, 255, .22); border-radius: var(--r-md);
}
.contact-card dl { margin: 14px 0 0; }
.contact-card dl div { padding: 8px 0; }
.contact-card dt { font-size: .85rem; color: #a9c4ba; }
.contact-card dd { margin: 2px 0 0; color: #fff; font-weight: 500; }
.contact-card a { color: #fff; }
.contact__disclaimer { margin-top: 24px; font-size: .92rem; line-height: 1.6; }

.form {
	background: var(--paper); color: var(--ink);
	border-radius: var(--r-md); padding: 36px 34px;
}
.form h2 { color: var(--ink); }
.form__intro { margin-top: 10px; color: var(--muted); }
.form__fields { margin-top: 26px; display: grid; gap: 18px; }
.form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field label { display: block; font-weight: 600; font-size: .95rem; margin-bottom: 7px; }
.field__opt { font-weight: 400; color: var(--muted); }
.field input, .field select {
	width: 100%; font: 400 1rem var(--font-body); color: var(--ink);
	padding: 13px 14px; background: var(--paper);
	border: 1px solid #b9c7c1; border-radius: var(--r-sm);
}
.field input:focus, .field select:focus { border-color: var(--pine); outline: 3px solid rgba(31, 77, 64, .18); outline-offset: 0; }
.field input[aria-invalid="true"] { border-color: #b3261e; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.form .btn { margin-top: 8px; padding: 18px 26px; letter-spacing: .02em; }
.form__note {
	margin-top: 16px; padding: 12px 14px;
	background: var(--warn-bg); border: 1px solid var(--warn-line); border-radius: var(--r-sm);
	color: var(--warn-ink); font-size: .9rem; line-height: 1.55;
}
.form__consent { margin-top: 12px; font-size: .88rem; color: var(--muted); line-height: 1.55; }
.form__status { margin-top: 14px; font-weight: 500; min-height: 1.4em; }
.form__status.is-ok { color: var(--pine); }
.form__status.is-error { color: #b3261e; }

@media (max-width: 900px) { .contact__grid { grid-template-columns: 1fr; gap: 40px; } }
@media (max-width: 520px) {
	.form { padding: 26px 20px; }
	.form__row { grid-template-columns: 1fr; }
}

/* ── CTA ──────────────────────────────────────────────── */
.cta {
	background:
		linear-gradient(rgba(23, 59, 49, .86), rgba(23, 59, 49, .86)),
		url("../assets/img/cta-bg.jpg") center / cover no-repeat;
	color: #dbe8e2; padding: 88px 0; text-align: center;
}
.cta__inner { max-width: 760px; }
.cta h2 { color: #fff; }
.cta p { margin: 16px auto 30px; font-size: 1.08rem; max-width: 56ch; }
@media (max-width: 700px) { .cta { padding: 64px 0; } }

/* ── Footer ───────────────────────────────────────────── */
.site-footer { background: var(--pine-deep); color: #b9cfc6; padding: 56px 0 32px; font-size: .94rem; }
.site-footer__grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 40px; }
.brand--footer .brand__mark { color: #fff; }
.site-footer__brand p { margin-top: 16px; max-width: 34ch; }
.site-footer nav { display: flex; flex-direction: column; gap: 10px; }
.site-footer h4 { margin: 0 0 6px; color: #fff; font: 600 1rem var(--font-body); }
.site-footer a { color: #dbe8e2; text-decoration: none; }
.site-footer nav a:hover { color: #fff; text-decoration: underline; }
.site-footer__legal { margin-top: 40px; padding-top: 22px; border-top: 1px solid rgba(255, 255, 255, .14); }
@media (max-width: 760px) { .site-footer__grid { grid-template-columns: 1fr; gap: 28px; } }

/* ── Legal pages ──────────────────────────────────────── */
.doc { padding: 64px 0 96px; }
.doc .wrap { max-width: 800px; }
.doc h1 { font-size: clamp(1.8rem, 1.3rem + 2vw, 2.6rem); max-width: none; }
.doc__updated { margin-top: 12px; color: var(--muted); }
.doc h2 { font-size: 1.3rem; margin-top: 40px; margin-bottom: 12px; }
.doc p, .doc li { color: var(--ink); }
.doc p + p { margin-top: 12px; }
.doc ul { padding-left: 22px; margin: 12px 0; }
.doc li + li { margin-top: 6px; }
.doc__back { margin-top: 48px; }

@media (max-width: 520px) {
	.terms dl div { flex-direction: column; align-items: flex-start; gap: 2px; padding: 12px 0; }
	.terms dd { text-align: left; }
}

.header-cta { padding: 12px 18px; font-size: .95rem; white-space: nowrap; flex: none; }
@media (max-width: 520px) {
	.header-cta { display: none; }
	.step { display: block; text-align: center; padding: 26px 20px; }
	.step img { width: 112px; height: 112px; margin: 0 auto 16px; }
	.step p { margin-top: 8px; }
}