:root {
  --bg: #f4f7f8;
  --text: #102a33;
  --text-body: #3d565f;
  --text-2: #61787f;
  --muted: #8aa0a7;
  --accent: #0a8ea6;
  --accent-dark: #087c92;
  --accent-bg: #eef6f7;
  --border: #e2eaec;
  --border-2: #eef3f4;
  --border-3: #dce6e8;
  --green: #1d9e6a;
  --green-dark: #157a52;
  --green-bg: #e5f4f0;
  --amber: #c07a1e;
  --red: #c0483a;
  --card-shadow: 0 8px 24px rgba(16, 42, 51, .06);
}

* { box-sizing: border-box; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: 'Golos Text', -apple-system, BlinkMacSystemFont, sans-serif;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--accent); text-decoration: none; }
a:hover { color: var(--accent-dark); }

button { font-family: inherit; }

input[type=range] { accent-color: var(--accent); width: 100%; }

.page { min-height: 100vh; display: flex; flex-direction: column; }

.container { width: 100%; max-width: 1120px; margin: 0 auto; padding: 0 24px; }

.main { flex: 1; }

/* ---------- Header ---------- */

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .92);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}

.header-inner { height: 64px; display: flex; align-items: center; gap: 32px; }

.logo {
  display: flex; align-items: baseline; gap: 2px;
  font-size: 20px; font-weight: 800; letter-spacing: -.02em;
  color: var(--text); user-select: none; white-space: nowrap;
}
.logo:hover { color: var(--text); }
.logo-accent { color: var(--accent); }
.logo-tld { font-size: 13px; font-weight: 700; color: var(--muted); margin-left: 2px; }

.nav { display: flex; gap: 24px; flex: 1; }
.nav a {
  padding: 20px 2px;
  border-bottom: 2px solid transparent;
  color: var(--text-body);
  font-size: 15px; font-weight: 600;
  white-space: nowrap;
}
.nav a.active { color: var(--accent); border-bottom-color: var(--accent); }

.mfo-count { font-size: 13px; color: var(--text-2); display: flex; align-items: center; gap: 6px; white-space: nowrap; }
.mfo-count .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--green); display: inline-block; }

/* ---------- Buttons & badges ---------- */

.btn-primary {
  display: block; text-align: center;
  padding: 12px 20px;
  background: var(--accent); color: #fff;
  border: none; border-radius: 10px;
  font-size: 14px; font-weight: 700; cursor: pointer;
}
.btn-primary:hover { background: var(--accent-dark); color: #fff; }

.btn-ghost {
  background: none; border: none; padding: 0;
  color: var(--accent); font-size: 13px; font-weight: 600; cursor: pointer;
}
.btn-ghost:hover { color: var(--accent-dark); }

.badge-promo {
  background: var(--green-bg); color: var(--green-dark);
  font-size: 12px; font-weight: 700;
  padding: 3px 8px; border-radius: 6px; white-space: nowrap;
}

.chip {
  padding: 8px 14px; border-radius: 100px;
  border: 1px solid var(--border-3); background: #fff; color: var(--text-body);
  font-size: 13px; font-weight: 600; cursor: pointer;
}
.chip.on { background: var(--accent); border-color: var(--accent); color: #fff; }

.sort-btn {
  padding: 7px 13px; border-radius: 8px;
  border: 1px solid var(--border-3); background: #fff; color: var(--text-body);
  font-size: 13px; font-weight: 600; cursor: pointer;
}
.sort-btn.on { background: var(--accent); border-color: var(--accent); color: #fff; }

/* ---------- Cards ---------- */

.card { background: #fff; border: 1px solid var(--border); border-radius: 16px; padding: 24px; }
.card-lg { padding: 28px; }
.card-shadow { box-shadow: var(--card-shadow); }

.card-title { font-size: 16px; font-weight: 700; margin-bottom: 18px; }
.section-title { font-size: 17px; font-weight: 800; margin-bottom: 16px; }

/* ---------- Hero (home) ---------- */

.hero {
  display: grid; grid-template-columns: 1fr 400px;
  gap: 48px; align-items: center;
  padding: 48px 0 40px;
}

.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--green-bg); color: var(--green-dark);
  font-size: 13px; font-weight: 600;
  padding: 6px 12px; border-radius: 100px; margin-bottom: 20px;
}

.hero h1 {
  font-size: 46px; line-height: 1.1; font-weight: 800;
  letter-spacing: -.025em; margin: 0 0 16px; text-wrap: pretty;
}

.hero-sub {
  font-size: 17px; line-height: 1.55; color: var(--text-2);
  margin: 0 0 24px; max-width: 480px; text-wrap: pretty;
}

.hero-stats { display: flex; gap: 24px; }
.hero-stats .divider { width: 1px; background: var(--border); }
.stat-num { font-size: 24px; font-weight: 800; }
.stat-label { font-size: 13px; color: var(--text-2); }

/* ---------- Loan calculator widget ---------- */

.calc-row { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 6px; }
.calc-label { font-size: 13px; color: var(--text-2); }
.calc-value { font-size: 18px; font-weight: 800; }
.calc-value-lg { font-size: 20px; font-weight: 800; }
.calc-slider { margin-bottom: 16px; }

.calc-summary {
  background: #f0f7f8; border-radius: 10px;
  padding: 14px 16px; margin-bottom: 16px; font-size: 14px;
}
.calc-summary .row { display: flex; justify-content: space-between; margin-bottom: 6px; }
.calc-summary .row:last-child { margin-bottom: 0; }
.calc-summary .row.total { padding-top: 8px; border-top: 1px solid #dcebee; margin-bottom: 0; }
.calc-summary .k { color: var(--text-2); }
.calc-summary .v { font-weight: 700; }
.calc-summary .v.green { color: var(--green-dark); }

.btn-block { width: 100%; padding: 14px; font-size: 15px; }

/* ---------- Filters + offers ---------- */

.offers-controls {
  display: flex; align-items: center; gap: 12px; margin-bottom: 16px; flex-wrap: wrap;
}
.mfo-search {
  flex: 1; min-width: 220px;
  padding: 11px 14px; border: 1px solid var(--border-3); border-radius: 10px;
  font-family: inherit; font-size: 14px; color: var(--text); background: #fff;
}
.mfo-search:focus { outline: none; border-color: var(--accent); }
.mfo-search::placeholder { color: var(--muted); }
.sort-inline { font-size: 13px; color: var(--text-2); display: flex; align-items: center; gap: 8px; white-space: nowrap; }
.sort-select {
  padding: 10px 12px; border: 1px solid var(--border-3); border-radius: 10px;
  font-family: inherit; font-size: 13px; font-weight: 600; color: var(--text); background: #fff; cursor: pointer;
}
.offers-empty {
  background: #fff; border: 1px solid var(--border); border-radius: 14px;
  padding: 28px 20px; text-align: center; color: var(--text-2); font-size: 14px;
}

.filters {
  display: flex; align-items: center; gap: 10px; flex-wrap: wrap; margin-bottom: 20px;
}
.filters-label { font-size: 13px; font-weight: 600; color: var(--text-2); }
.filters-found { margin-left: auto; font-size: 13px; color: var(--text-2); }

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

/* Тематические подборки (чипы-ссылки) */
.cat-more { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; margin-top: 18px; }
.cat-more-label { font-size: 13px; font-weight: 600; color: var(--text-2); }
.cat-chip {
  padding: 8px 14px; border-radius: 100px; border: 1px solid var(--border-3);
  background: #fff; color: var(--text-body); font-size: 13px; font-weight: 600;
}
.cat-chip:hover { border-color: var(--accent); color: var(--accent); }

.offer {
  background: #fff; border: 1px solid var(--border); border-radius: 14px;
  padding: 18px 20px;
  display: grid; grid-template-columns: 56px 1fr auto;
  gap: 18px; align-items: center;
  transition: border-color .15s, box-shadow .15s;
}
.offer:hover { border-color: var(--accent); box-shadow: 0 4px 16px rgba(16, 42, 51, .06); }

.offer-logo {
  width: 56px; height: 56px; border-radius: 12px;
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-size: 20px; font-weight: 800; flex-shrink: 0;
}

/* Реальный логотип: белая плашка, картинка по центру */
.offer-logo.has-logo, .t-logo.has-logo, .mfo-logo.has-logo {
  background: #fff; border: 1px solid var(--border);
}
.offer-logo img, .t-logo img, .mfo-logo img {
  width: 100%; height: 100%; object-fit: contain; display: block;
}
.offer-logo img { padding: 8px; box-sizing: border-box; }
.t-logo img { padding: 5px; box-sizing: border-box; }
.mfo-logo img { padding: 10px; box-sizing: border-box; }

.offer-head { display: flex; align-items: center; gap: 10px; margin-bottom: 8px; flex-wrap: wrap; }
.offer-name { font-size: 16px; font-weight: 700; color: var(--text); }
.offer-name:hover { color: var(--accent); }
.offer-rating { font-size: 13px; font-weight: 700; color: var(--amber); }
.offer-rev { font-size: 13px; color: var(--muted); }

.offer-params {
  display: grid; grid-template-columns: repeat(4, minmax(90px, 1fr));
  gap: 16px; max-width: 520px;
}
.p-label { font-size: 12px; color: var(--muted); }
.p-value { font-size: 14px; font-weight: 700; }

.offer-actions { display: flex; flex-direction: column; gap: 8px; align-items: stretch; min-width: 170px; }
.offer-actions .btn-ghost { text-align: center; }

/* ---------- Сравнение МФО ---------- */

.cmp-toggle {
  background: none; border: 1px dashed var(--border-3); border-radius: 8px;
  padding: 7px 10px; font-family: inherit; font-size: 12.5px; font-weight: 600;
  color: var(--text-2); cursor: pointer; white-space: nowrap;
}
.cmp-toggle:hover { border-color: var(--accent); color: var(--accent); }
.cmp-toggle.on { border-style: solid; border-color: var(--accent); background: var(--accent-bg); color: var(--accent); }

.cmp-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
  background: #fff; border-top: 1px solid var(--border); box-shadow: 0 -6px 24px rgba(16, 42, 51, .1);
  padding: 12px 24px; display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap;
}
.cmp-bar-items { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.cmp-bar-label { font-size: 13px; font-weight: 700; color: var(--text-2); }
.cmp-bar-name { font-size: 13px; font-weight: 600; background: #f0f7f8; border-radius: 100px; padding: 5px 12px; }
.cmp-bar-actions { display: flex; align-items: center; gap: 10px; }
.cmp-open { padding: 10px 22px; }
.cmp-open:disabled { opacity: .5; cursor: default; }
.cmp-clear { background: none; border: none; color: var(--text-2); font-family: inherit; font-size: 13px; font-weight: 600; cursor: pointer; }
.cmp-clear:hover { color: var(--red); }

.cmp-modal {
  position: fixed; inset: 0; z-index: 70; background: rgba(16, 42, 51, .55);
  display: flex; align-items: center; justify-content: center; padding: 20px;
}
.cmp-dialog {
  background: #fff; border-radius: 16px; width: 100%; max-width: 760px;
  max-height: 88vh; display: flex; flex-direction: column; overflow: hidden;
}
.cmp-dialog-head {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 22px; border-bottom: 1px solid var(--border); font-size: 17px; font-weight: 800;
}
.cmp-x { background: none; border: none; font-size: 26px; line-height: 1; color: var(--muted); cursor: pointer; padding: 0 4px; }
.cmp-x:hover { color: var(--text); }
.cmp-scroll { overflow: auto; padding: 4px; }
.cmp-grid { display: grid; min-width: 100%; }
.cmp-cell {
  padding: 12px 14px; border-bottom: 1px solid var(--border-2); font-size: 14px;
  display: flex; align-items: center;
}
.cmp-rowlabel { font-size: 12.5px; color: var(--text-2); font-weight: 600; background: #f7fafa; }
.cmp-head { flex-direction: column; align-items: flex-start; gap: 8px; }
.cmp-corner { background: #f7fafa; }
.cmp-logo { width: 40px; height: 40px; border-radius: 10px; color: #fff; display: flex; align-items: center; justify-content: center; font-size: 13px; font-weight: 800; }
.cmp-logo.has-logo { background: #fff; border: 1px solid var(--border); }
.cmp-logo img { width: 100%; height: 100%; object-fit: contain; padding: 6px; box-sizing: border-box; display: block; }
.cmp-mfo-name { font-size: 14px; font-weight: 700; color: var(--text); }
.cmp-cell .btn-cta { padding: 8px 12px; font-size: 13px; width: 100%; text-align: center; }

@media (max-width: 640px) {
  .cmp-bar { padding: 10px 16px; }
  .cmp-bar-label { width: 100%; }
  .offer-actions .cmp-toggle { flex: 0 0 auto; }
}

/* ---------- Scoring + advice (home) ---------- */

.duo { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; padding: 40px 0; }

.duo-title { font-size: 17px; font-weight: 800; margin: 0 0 6px; }
.duo-sub { font-size: 14px; color: var(--text-2); margin: 0 0 16px; }

.score-form { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 10px; margin-bottom: 16px; }
.score-form label { font-size: 12px; color: var(--muted); display: block; margin-bottom: 4px; }
.score-form select {
  width: 100%; padding: 9px 10px;
  border: 1px solid var(--border-3); border-radius: 8px;
  font-family: inherit; font-size: 13px; background: #fff; color: var(--text);
}

.chance { display: flex; align-items: center; gap: 16px; }
.chance-num { font-size: 34px; font-weight: 800; }
.chance-meter { flex: 1; }
.chance-track { height: 8px; background: #eef3f4; border-radius: 100px; overflow: hidden; margin-bottom: 6px; }
.chance-fill { height: 100%; border-radius: 100px; transition: width .3s; }
.chance-text { font-size: 13px; color: var(--text-2); }

/* Подбор конкретных МФО под профиль */
.reco { margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--border-2); }
.reco-head { font-size: 13px; font-weight: 700; color: var(--text-2); margin-bottom: 10px; }
.reco-list { display: flex; flex-direction: column; gap: 8px; }
.reco-item {
  display: flex; align-items: center; gap: 10px;
  padding: 8px 10px; border: 1px solid var(--border); border-radius: 10px;
  color: var(--text); transition: border-color .15s, background .15s;
}
.reco-item:hover { border-color: var(--accent); background: #f9fcfc; color: var(--text); }
.reco-logo { width: 30px; height: 30px; border-radius: 8px; flex-shrink: 0; color: #fff; display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 800; }
.reco-logo.has-logo { background: #fff; border: 1px solid var(--border); }
.reco-logo img { width: 100%; height: 100%; object-fit: contain; padding: 4px; box-sizing: border-box; display: block; }
.reco-name { font-size: 14px; font-weight: 700; }
.reco-appr { margin-left: auto; font-size: 12.5px; color: var(--green-dark); font-weight: 600; white-space: nowrap; }
.reco-note { font-size: 13px; line-height: 1.5; color: var(--text-2); background: #f0f7f8; border-radius: 10px; padding: 12px 14px; }

.advice { background: var(--accent-bg); border: 1px solid #cfe4e8; border-radius: 16px; padding: 24px; }
.advice-title { font-size: 17px; font-weight: 800; margin: 0 0 12px; }
.advice-list { display: flex; flex-direction: column; gap: 12px; font-size: 14px; line-height: 1.5; color: var(--text-body); }
.advice-list .item { display: flex; gap: 10px; }
.advice-list .num { color: var(--accent); font-weight: 800; }

/* ---------- Trust-полоса (под героем) ---------- */

.trust-strip {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px;
  background: #fff; border: 1px solid var(--border); border-radius: 14px;
  padding: 16px 20px; margin-bottom: 8px;
}
.ts-item { display: flex; align-items: flex-start; gap: 9px; font-size: 13.5px; line-height: 1.4; color: var(--text-body); }
.ts-ico {
  flex-shrink: 0; width: 20px; height: 20px; border-radius: 50%;
  background: var(--green-bg); color: var(--green-dark);
  display: flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 800; margin-top: 1px;
}

/* ---------- Секционные заголовки главной ---------- */

.section-h2 { font-size: 26px; font-weight: 800; letter-spacing: -.02em; margin: 0 0 6px; }
.section-lead { font-size: 15px; color: var(--text-2); margin: 0 0 22px; }
.home-section { padding: 40px 0 8px; }

/* ---------- Как это работает ---------- */

.how-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.how-step {
  background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 22px 20px;
  position: relative;
}
.how-num {
  width: 34px; height: 34px; border-radius: 10px;
  background: var(--accent); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 16px; font-weight: 800; margin-bottom: 12px;
}
.how-step h3 { font-size: 15px; font-weight: 700; margin: 0 0 6px; }
.how-step p { font-size: 13.5px; line-height: 1.5; color: var(--text-2); margin: 0; }

/* ---------- FAQ ---------- */

.faq-list { display: flex; flex-direction: column; gap: 10px; }
.faq-item {
  background: #fff; border: 1px solid var(--border); border-radius: 12px;
  overflow: hidden;
}
.faq-item summary {
  list-style: none; cursor: pointer; padding: 16px 20px;
  font-size: 15.5px; font-weight: 700; color: var(--text);
  display: flex; justify-content: space-between; align-items: center; gap: 12px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: '+'; color: var(--accent); font-size: 22px; font-weight: 700; line-height: 1; flex-shrink: 0; }
.faq-item[open] summary::after { content: '–'; }
.faq-item .faq-a { padding: 0 20px 16px; font-size: 14px; line-height: 1.6; color: var(--text-body); }
.faq-item .faq-a a { text-decoration: underline; }

@media (max-width: 900px) {
  .trust-strip { grid-template-columns: 1fr 1fr; }
  .how-steps { grid-template-columns: 1fr 1fr; }
  .section-h2 { font-size: 22px; }
}
@media (max-width: 560px) {
  .trust-strip { grid-template-columns: 1fr; }
  .how-steps { grid-template-columns: 1fr; }
}

/* ---------- Inner pages ---------- */

.page-section { padding: 40px 0; }
.page-title { font-size: 34px; font-weight: 800; letter-spacing: -.02em; margin: 0 0 8px; }
.page-sub { font-size: 15px; color: var(--text-2); margin: 0 0 24px; }

.sort-row { display: flex; gap: 8px; margin-bottom: 16px; align-items: center; flex-wrap: wrap; }
.sort-label { font-size: 13px; font-weight: 600; color: var(--text-2); }

/* ---------- Tables ---------- */

.table-card { background: #fff; border: 1px solid var(--border); border-radius: 14px; overflow: hidden; }
.table-scroll { overflow-x: auto; }

.t-head, .t-row { display: grid; gap: 12px; padding: 14px 20px; align-items: center; }
.t-head {
  padding: 12px 20px;
  background: #f7fafa; border-bottom: 1px solid var(--border);
  font-size: 12px; font-weight: 700; color: var(--muted);
  text-transform: uppercase; letter-spacing: .04em;
}
.t-row { border-bottom: 1px solid var(--border-2); }
.t-row:last-child { border-bottom: none; }
.t-row:hover { background: #f9fcfc; }

.t-rating .t-head, .t-rating .t-row { grid-template-columns: 44px 1.6fr 1fr 1fr 1fr 1fr 150px; min-width: 860px; }
.t-calc .t-head, .t-calc .t-row { grid-template-columns: 1.6fr 1fr 1fr 1.1fr 150px; min-width: 760px; }

.t-rank { font-size: 14px; font-weight: 700; color: var(--muted); }
.t-mfo { display: flex; align-items: center; gap: 10px; }
.t-logo {
  width: 36px; height: 36px; border-radius: 9px;
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 800; flex-shrink: 0;
}
.t-name { font-size: 14px; font-weight: 700; color: var(--text); }
.t-name:hover { color: var(--accent); }
.t-val { font-size: 14px; font-weight: 600; }
.t-val-strong { font-size: 14px; font-weight: 800; }
.t-star { font-size: 14px; font-weight: 700; color: var(--amber); }
.t-green { font-size: 14px; font-weight: 700; color: var(--green-dark); }

.btn-table {
  display: block; text-align: center; padding: 9px 0;
  background: var(--accent-bg); color: var(--accent);
  border-radius: 8px; font-size: 13px; font-weight: 700;
}
.btn-table:hover { background: var(--accent); color: #fff; }

.btn-table-solid { background: var(--accent); color: #fff; }
.btn-table-solid:hover { background: var(--accent-dark); color: #fff; }

.table-note { font-size: 13px; color: var(--muted); margin-top: 12px; }

/* ---------- Calculator page ---------- */

.calc-controls {
  background: #fff; border: 1px solid var(--border); border-radius: 16px;
  padding: 24px; margin-bottom: 20px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 32px;
}

/* ---------- MFO detail ---------- */

.mfo-section { padding: 32px 0 40px; }

.back-btn {
  background: none; border: none; padding: 0; margin-bottom: 20px;
  color: var(--accent); font-size: 14px; font-weight: 600; cursor: pointer;
  display: inline-block;
}
.back-btn:hover { color: var(--accent-dark); }

.mfo-layout { display: grid; grid-template-columns: 1fr 360px; gap: 24px; align-items: start; }
.mfo-col { display: flex; flex-direction: column; gap: 20px; }

.mfo-head { display: flex; align-items: center; gap: 16px; margin-bottom: 16px; }
.mfo-logo {
  width: 64px; height: 64px; border-radius: 14px;
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-size: 24px; font-weight: 800; flex-shrink: 0;
}
.mfo-name { font-size: 26px; font-weight: 800; margin: 0 0 4px; letter-spacing: -.02em; }
.mfo-meta { display: flex; gap: 12px; font-size: 14px; align-items: center; flex-wrap: wrap; }
.mfo-desc { font-size: 15px; line-height: 1.6; color: var(--text-body); margin: 0; }

/* ---------- Контент-страницы (About / Privacy) ---------- */

.content-page { padding: 40px 0; max-width: 760px; }
.content-page .updated { font-size: 13px; color: var(--muted); margin: 0 0 24px; }
.crumbs { font-size: 13px; color: var(--muted); margin-bottom: 14px; }
.crumbs a { color: var(--text-2); }
.crumbs span { color: var(--muted); }

/* Карточки гайдов на хабе /guides/ */
.guide-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 20px; }
.guide-card {
  display: block; background: #fff; border: 1px solid var(--border); border-radius: 14px;
  padding: 20px; transition: border-color .15s, box-shadow .15s;
}
.guide-card:hover { border-color: var(--accent); box-shadow: 0 4px 16px rgba(16, 42, 51, .06); }
.guide-card, .guide-card h2, .guide-card p, .guide-card .guide-more { text-decoration: none; }
.guide-card h2 { font-size: 16px; font-weight: 700; color: var(--text); margin: 0 0 8px; }
.guide-card p { font-size: 13.5px; line-height: 1.5; color: var(--text-2); margin: 0 0 10px; }
.guide-more { font-size: 13px; font-weight: 600; color: var(--accent); }
@media (max-width: 560px) { .guide-cards { grid-template-columns: 1fr; } }
.prose { font-size: 15px; line-height: 1.65; color: var(--text-body); }
.prose h2 { font-size: 20px; font-weight: 800; color: var(--text); letter-spacing: -.01em; margin: 28px 0 10px; }
.prose h3 { font-size: 16px; font-weight: 700; color: var(--text); margin: 20px 0 8px; }
.prose p { margin: 0 0 14px; }
.prose ul { margin: 0 0 14px; padding-left: 22px; }
.prose li { margin-bottom: 7px; }
.prose a { text-decoration: underline; }
.glossary { margin: 8px 0; }
.glossary dt { font-size: 15.5px; font-weight: 700; color: var(--text); margin-top: 18px; }
.glossary dd { margin: 4px 0 0; font-size: 14px; line-height: 1.6; color: var(--text-body); }
.glossary dt:first-child { margin-top: 0; }

.author-box {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--accent-bg); border: 1px solid #cfe4e8; border-radius: 14px;
  padding: 18px 20px; margin: 8px 0 24px;
}
.author-avatar {
  width: 52px; height: 52px; border-radius: 50%; flex-shrink: 0;
  background: var(--accent); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px; font-weight: 800;
}
.author-name { font-size: 15px; font-weight: 700; }
.author-role { font-size: 13px; color: var(--text-2); margin-bottom: 6px; }
.author-bio { font-size: 13.5px; line-height: 1.55; color: var(--text-body); margin: 0; }

.terms-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 32px; }
.term {
  display: flex; justify-content: space-between; gap: 12px;
  padding: 11px 0; border-bottom: 1px solid var(--border-2); font-size: 14px;
}
.term .k { color: var(--text-2); }
.term .v { font-weight: 700; text-align: right; }

/* Похожие МФО на карточке */
.related-grid { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px; }
.related-item {
  display: flex; flex-direction: column; gap: 4px;
  padding: 14px; border: 1px solid var(--border); border-radius: 12px;
  color: var(--text); transition: border-color .15s, box-shadow .15s;
}
.related-item:hover { border-color: var(--accent); box-shadow: 0 4px 14px rgba(16, 42, 51, .06); color: var(--text); }
.related-logo { width: 36px; height: 36px; border-radius: 9px; flex-shrink: 0; color: #fff; display: flex; align-items: center; justify-content: center; font-size: 12px; font-weight: 800; margin-bottom: 4px; }
.related-logo.has-logo { background: #fff; border: 1px solid var(--border); }
.related-logo img { width: 100%; height: 100%; object-fit: contain; padding: 5px; box-sizing: border-box; display: block; }
.related-name { font-size: 14px; font-weight: 700; }
.related-meta { font-size: 12px; color: var(--text-2); }
.related-appr { font-size: 12px; color: var(--amber); font-weight: 600; }
@media (max-width: 640px) { .related-grid { grid-template-columns: 1fr; } }

.reviews { display: flex; flex-direction: column; gap: 16px; }
.review { border: 1px solid var(--border-2); border-radius: 12px; padding: 16px; }
.review-head { display: flex; justify-content: space-between; margin-bottom: 6px; }
.review-name { font-size: 14px; font-weight: 700; }
.review-stars { font-size: 13px; font-weight: 700; color: var(--amber); }
.review p { font-size: 14px; line-height: 1.55; color: var(--text-body); margin: 0; }

.mfo-sidebar { position: sticky; top: 84px; }
.sidebar-note { font-size: 12px; color: var(--muted); text-align: center; margin-top: 10px; }

/* ---------- Footer ---------- */

.site-footer { border-top: 1px solid var(--border); background: #fff; margin-top: 24px; }
.footer-inner { padding: 28px 24px; display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.footer-about { max-width: 560px; }
.footer-logo { font-size: 15px; font-weight: 800; margin-bottom: 8px; }
.footer-logo span { color: var(--accent); }
.footer-about p { font-size: 12.5px; line-height: 1.55; color: var(--muted); margin: 0; }
.footer-legal { font-size: 13px; color: var(--text-2); display: flex; flex-direction: column; gap: 6px; }

/* ---------- Responsive ---------- */

@media (max-width: 960px) {
  .hero { grid-template-columns: 1fr; gap: 32px; padding: 32px 0 28px; }
  .hero h1 { font-size: 34px; }
  .duo { grid-template-columns: 1fr; padding: 28px 0; }
  .mfo-layout { grid-template-columns: 1fr; }
  .mfo-sidebar { position: static; }
  .header-inner { gap: 18px; }
  .mfo-count { display: none; }
  .offer { grid-template-columns: 48px 1fr; }
  .offer-logo { width: 48px; height: 48px; font-size: 17px; }
  .offer-actions { grid-column: 1 / -1; flex-direction: row; align-items: center; }
  .offer-actions .btn-primary { flex: 1; }
  .offer-actions .btn-ghost { min-width: 110px; padding: 12px 0; }
}

@media (max-width: 640px) {
  .container { padding: 0 16px; }
  /* Тап-таргеты CTA ≥44px на мобильном */
  .btn-primary, .btn-table { min-height: 44px; display: flex; align-items: center; justify-content: center; }
  .hero h1 { font-size: 28px; }
  .hero-sub { font-size: 15px; }
  .hero-stats { flex-wrap: wrap; gap: 16px; }
  .hero-stats .divider { display: none; }
  .stat-num { font-size: 20px; }
  .page-title { font-size: 26px; }
  .nav { gap: 16px; overflow-x: auto; scrollbar-width: none; }
  .nav::-webkit-scrollbar { display: none; }
  .nav a { padding: 20px 0; font-size: 14px; }
  .offer-params { grid-template-columns: 1fr 1fr; max-width: none; }
  .calc-controls { grid-template-columns: 1fr; gap: 20px; }
  .score-form { grid-template-columns: 1fr; }
  .terms-grid { grid-template-columns: 1fr; }
  .footer-inner { flex-direction: column; gap: 20px; }
}