:root {
    --primary: #2563eb;
    --primary-hover: #1d4ed8;
    --bg: #f8fafc;
    --card-bg: #ffffff;
    --text: #1e293b;
    --text-muted: #64748b;
    --border: #e2e8f0;
    --radius: 16px;
    --success: #16a34a;
    --warning: #f59e0b;
    --danger: #dc2626;
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Inter', sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Шапка */
.header {
    background: #fff;
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 50;
}
.header__inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 70px;
}
.logo {
    font-size: 24px;
    font-weight: 800;
    color: var(--text);
    text-decoration: none;
}
.logo span { color: var(--primary); }

.nav {
    display: flex;
    align-items: center;
    gap: 4px;
}
.nav a {
    padding: 8px 14px;
    text-decoration: none;
    color: var(--text-muted);
    font-weight: 500;
    font-size: 15px;
    border-radius: 10px;
    transition: 0.2s;
}
.nav a:hover { color: var(--primary); background: #eff6ff; }
.nav a.active { color: var(--primary); background: #eff6ff; font-weight: 600; }

/* Кнопки */
.btn {
    padding: 12px 24px;
    border-radius: 12px;
    border: 1px solid var(--border);
    background: transparent;
    cursor: pointer;
    font-weight: 600;
    font-size: 16px;
    transition: 0.2s;
    display: inline-block;
    text-align: center;
    text-decoration: none;
    font-family: 'Inter', sans-serif;
}
.btn--primary {
    background: var(--primary);
    color: #fff;
    border: none;
    margin-top: 24px;
}
.btn--primary:hover { background: var(--primary-hover); }

/* Hero */
.hero {
    background: #fff;
    padding: 70px 0;
    text-align: center;
    border-bottom: 1px solid var(--border);
}
.hero h1 {
    font-size: 44px;
    font-weight: 800;
    margin-bottom: 16px;
    letter-spacing: -1px;
    line-height: 1.2;
}
.hero p {
    font-size: 18px;
    color: var(--text-muted);
    max-width: 650px;
    margin: 0 auto;
}

/* Категории */
.categories {
    padding: 50px 0 10px;
}
.categories h2 {
    font-size: 28px;
    margin-bottom: 24px;
}
.categories__grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 16px;
}
.category-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 24px 20px;
    cursor: pointer;
    transition: 0.25s;
    text-align: left;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
    font-family: 'Inter', sans-serif;
    text-decoration: none;
    color: var(--text);
}
.category-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 24px rgba(0,0,0,0.08);
    border-color: var(--primary);
}
.category-card__icon { font-size: 32px; line-height: 1; }
.category-card__title { font-size: 18px; font-weight: 700; }
.category-card__desc { font-size: 13px; color: var(--text-muted); }
.category-card--cards:hover { border-color: #2563eb; }
.category-card--credit:hover { border-color: #dc2626; }
.category-card--deposit:hover { border-color: #16a34a; }
.category-card--loans:hover { border-color: #f59e0b; }
.category-card--business:hover { border-color: #7c3aed; }

/* Калькуляторы */
.calculators {
    padding: 50px 0;
}
.calculators h2 {
    font-size: 28px;
    margin-bottom: 24px;
}
.calc-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 24px;
}
.calc-card {
    background: #fff;
    border-radius: var(--radius);
    padding: 24px;
    border: 1px solid var(--border);
}
.calc-card h3 {
    font-size: 20px;
    margin-bottom: 16px;
}
.calc-form {
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.calc-form label {
    font-size: 14px;
    font-weight: 500;
    color: var(--text-muted);
}
.calc-form input {
    padding: 10px 14px;
    border: 1px solid var(--border);
    border-radius: 10px;
    font-size: 15px;
    font-family: 'Inter', sans-serif;
    transition: 0.2s;
}
.calc-form input:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}
.calc-result {
    margin-top: 16px;
    padding: 16px;
    background: #f1f5f9;
    border-radius: 10px;
    font-size: 15px;
    display: none;
}
.calc-result.show { display: block; }
.calc-result b { color: var(--text); font-size: 18px; }

/* Каталог */
.catalog { padding: 50px 0; }
.catalog h2 {
    font-size: 28px;
    margin-bottom: 24px;
}
.filters {
    display: flex;
    gap: 10px;
    margin-bottom: 32px;
    flex-wrap: wrap;
}
.filter-btn {
    padding: 10px 20px;
    border-radius: 30px;
    border: 1px solid var(--border);
    background: #fff;
    cursor: pointer;
    font-weight: 500;
    transition: 0.2s;
    font-size: 15px;
    font-family: 'Inter', sans-serif;
}
.filter-btn.active {
    background: var(--primary);
    color: #fff;
    border-color: var(--primary);
}

/* ============================================ */
/* СПИСОК ОФФЕРОВ — ШИРОКИЕ СТРОКИ              */
/* ============================================ */

.grid {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.card {
    background: var(--card-bg);
    border-radius: var(--radius);
    padding: 32px;
    border: 1px solid var(--border);
    display: flex;
    flex-direction: row;
    align-items: stretch;
    gap: 28px;
    transition: 0.25s;
    position: relative;
    width: 100%;
}
.card:hover {
    box-shadow: 0 10px 30px rgba(0,0,0,0.07);
    border-color: var(--primary);
    transform: translateY(-2px);
}

.card__bank-logo {
    width: 72px;
    height: 72px;
    border-radius: 16px;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 15px;
    color: #fff;
    background: #64748b;
    text-align: center;
    padding: 6px;
    line-height: 1.2;
    margin-bottom: 0;
    align-self: flex-start;
}

.card__body {
    flex-grow: 1;
    min-width: 0;
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 20px;
}
.card__head {
    margin-bottom: 0;
}
.card__title {
    font-size: 20px;
    margin-bottom: 6px;
    font-weight: 700;
    line-height: 1.3;
}
.card__bank {
    color: var(--text-muted);
    font-size: 14px;
    margin-bottom: 0;
}

.card__features {
    list-style: none;
    margin-bottom: 0;
    display: flex;
    flex-wrap: wrap;
    gap: 14px 40px;
    padding: 0;
    max-width: 700px;
}
.card__features li {
    font-size: 14px;
    margin-bottom: 0;
    color: var(--text-muted);
    position: relative;
    padding-left: 20px;
    line-height: 1.5;
}
.card__features li::before {
    content: "✓";
    position: absolute;
    left: 0;
    color: var(--success);
    font-weight: 700;
}
.card__features b { color: var(--text); }

.card__actions {
    display: flex;
    flex-direction: column;
    gap: 10px;
    flex-shrink: 0;
    width: 180px;
    justify-content: center;
}
.btn--outline {
    background: transparent;
    border: 1px solid var(--primary);
    color: var(--primary);
    padding: 10px 16px;
    border-radius: 10px;
    text-decoration: none;
    font-weight: 600;
    font-size: 14px;
    transition: 0.2s;
    text-align: center;
}
.btn--outline:hover { background: #eff6ff; }
.btn--card {
    background: var(--primary);
    color: #fff;
    text-align: center;
    text-decoration: none;
    border: none;
    border-radius: 10px;
    padding: 10px 16px;
    font-weight: 600;
    font-size: 14px;
    cursor: pointer;
    font-family: 'Inter', sans-serif;
}
.btn--card:hover { background: var(--primary-hover); }
.btn--card:disabled { background: #94a3b8; cursor: not-allowed; }

/* Цвета логотипов */
.logo--vtb { background: #0a2896; }
.logo--psb { background: #ff5a00; }
.logo--ubrr { background: #00a94f; }
.logo--yandex { background: #fc3f1d; }
.logo--otp { background: #007a3d; }
.logo--tbank { background: #111; }
.logo--zenit { background: #003da5; }
.logo--uralsib { background: #004b8d; }
.logo--urban { background: #111827; }
.logo--gpb { background: #003087; }
.logo--alfa { background: #ef3124; }
.logo--loans { background: #f59e0b; }
.logo--smartcash { background: #0ea5e9; }
.logo--bistrodengi { background: #e11d48; }
.logo--moneyman { background: #0066cc; }
.logo--deposit { background: #16a34a; }
.logo--business { background: #7c3aed; }
.logo--rko { background: #0891b2; }

/* Страница продукта */
.breadcrumbs {
    font-size: 14px;
    color: var(--text-muted);
    margin-bottom: 20px;
    padding-top: 30px;
}
.breadcrumbs a {
    color: var(--primary);
    text-decoration: none;
}
.breadcrumbs a:hover { text-decoration: underline; }

.product-hero {
    background: #fff;
    padding: 20px 0 50px;
    border-bottom: 1px solid var(--border);
}
.product-hero__content {
    max-width: 700px;
}
.product-hero h1 {
    font-size: 36px;
    margin: 16px 0;
    font-weight: 800;
}
.product-hero p {
    font-size: 18px;
    color: var(--text-muted);
    margin-bottom: 24px;
}
.product-hero__actions {
    display: flex;
    gap: 12px;
}

.product-conditions,
.product-features,
.product-requirements,
.product-faq,
.product-info,
.product-disclaimer {
    padding: 40px 0;
}
.product-conditions h2,
.product-features h2,
.product-requirements h2,
.product-faq h2,
.product-info h2 {
    font-size: 28px;
    margin-bottom: 24px;
}

.conditions-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 16px;
}
.condition-item {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 20px;
}
.condition-item h3 {
    font-size: 14px;
    margin-bottom: 8px;
    color: var(--text-muted);
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.condition-item p {
    font-size: 18px;
    font-weight: 700;
}
.condition-item small {
    font-size: 13px;
    font-weight: 400;
    color: var(--text-muted);
}

.product-features ul,
.product-requirements ul {
    list-style: none;
    padding: 0;
}
.product-features li,
.product-requirements li {
    padding: 12px 0;
    border-bottom: 1px solid var(--border);
    font-size: 16px;
}
.product-features li:last-child,
.product-requirements li:last-child {
    border-bottom: none;
}
.product-features li b,
.product-requirements li b {
    font-weight: 700;
}

.product-info {
    background: #f8fafc;
    border-top: 1px solid var(--border);
}
.product-info p {
    color: var(--text-muted);
    margin-bottom: 8px;
    font-size: 14px;
}

.product-disclaimer {
    background: #fef3cd;
    border-top: 1px solid #f59e0b;
    border-bottom: 1px solid #f59e0b;
}
.product-disclaimer p {
    font-size: 13px;
    color: #78350f;
    line-height: 1.7;
}

/* FAQ */
.faq {
    background: #f1f5f9;
    padding: 60px 0 80px;
    border-top: 1px solid var(--border);
}
.faq h2 {
    font-size: 28px;
    margin-bottom: 32px;
}
.faq-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
    gap: 20px;
    margin-bottom: 20px;
}
.faq-item {
    background: #fff;
    border-radius: var(--radius);
    padding: 28px;
    border: 1px solid var(--border);
}
.faq-item h3 {
    font-size: 17px;
    margin-bottom: 12px;
    font-weight: 700;
}
.faq-item p {
    color: var(--text-muted);
    font-size: 14px;
    line-height: 1.6;
}

/* Заглушка */
.stub {
    background: #fff;
    border-radius: var(--radius);
    padding: 80px 40px;
    border: 1px solid var(--border);
    text-align: center;
    max-width: 600px;
    margin: 40px auto;
}
.stub h2 {
    font-size: 28px;
    margin-bottom: 16px;
}
.stub p {
    color: var(--text-muted);
    font-size: 16px;
    margin-bottom: 24px;
}

/* Блог */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 24px;
}
.blog-card {
    background: #fff;
    border-radius: var(--radius);
    padding: 0;
    border: 1px solid var(--border);
    overflow: hidden;
    transition: 0.2s;
    text-decoration: none;
    color: var(--text);
    display: flex;
    flex-direction: column;
}
.blog-card:hover {
    box-shadow: 0 12px 30px rgba(0,0,0,0.06);
    transform: translateY(-3px);
}
.blog-card__image {
    height: 160px;
    background: linear-gradient(135deg, #2563eb, #7c3aed);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 48px;
}
.blog-card__content {
    padding: 24px;
    flex-grow: 1;
    display: flex;
    flex-direction: column;
}
.blog-card__tag {
    font-size: 12px;
    color: var(--primary);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 8px;
}
.blog-card h3 {
    font-size: 18px;
    margin-bottom: 12px;
    line-height: 1.4;
}
.blog-card p {
    font-size: 14px;
    color: var(--text-muted);
    flex-grow: 1;
}
.blog-card__date {
    font-size: 13px;
    color: var(--text-muted);
    margin-top: 16px;
}

/* Статья */
.article {
    background: #fff;
    padding: 60px 0;
}
.article__content {
    max-width: 780px;
    margin: 0 auto;
}
.article h1 {
    font-size: 36px;
    line-height: 1.3;
    margin-bottom: 16px;
    font-weight: 800;
}
.article__meta {
    color: var(--text-muted);
    font-size: 14px;
    margin-bottom: 32px;
    padding-bottom: 24px;
    border-bottom: 1px solid var(--border);
}
.article h2 {
    font-size: 26px;
    margin: 32px 0 16px;
    font-weight: 700;
}
.article h3 {
    font-size: 20px;
    margin: 24px 0 12px;
    font-weight: 600;
}
.article p {
    margin-bottom: 16px;
    font-size: 17px;
    line-height: 1.7;
}
.article ul, .article ol {
    margin: 16px 0 24px 24px;
}
.article li {
    margin-bottom: 8px;
    font-size: 17px;
    line-height: 1.7;
}
.article blockquote {
    border-left: 4px solid var(--primary);
    padding: 16px 24px;
    background: #eff6ff;
    border-radius: 0 12px 12px 0;
    margin: 24px 0;
    font-style: italic;
}
.article__cta {
    background: #f1f5f9;
    border-radius: var(--radius);
    padding: 32px;
    margin: 40px 0;
    text-align: center;
}
.article__cta h3 {
    margin-top: 0;
    font-size: 22px;
}
.article__cta p {
    margin-bottom: 20px;
    color: var(--text-muted);
}

/* Футер */
.footer {
    background: #0f172a;
    color: #94a3b8;
    padding: 40px 0 30px;
    font-size: 14px;
}
.footer__inner {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 32px;
}
.footer__col h4 {
    color: #fff;
    font-size: 16px;
    margin-bottom: 16px;
    font-weight: 600;
}
.footer__col a {
    display: block;
    color: #94a3b8;
    text-decoration: none;
    margin-bottom: 8px;
    font-size: 14px;
}
.footer__col a:hover { color: #fff; }
.footer__bottom {
    border-top: 1px solid #1e293b;
    padding-top: 24px;
    text-align: center;
}
.footer__links {
    display: flex;
    justify-content: center;
    gap: 20px;
    margin-bottom: 16px;
    flex-wrap: wrap;
}
.footer__link { color: #fff; text-decoration: none; }
.footer__link:hover { text-decoration: underline; }
.disclaimer {
    font-size: 12px;
    line-height: 1.6;
    color: #64748b;
    max-width: 900px;
    margin: 0 auto;
}

/* Кнопка наверх */
.scroll-top {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: var(--primary);
    color: #fff;
    border: none;
    font-size: 24px;
    cursor: pointer;
    display: none;
    align-items: center;
    justify-content: center;
    box-shadow: 0 8px 20px rgba(0,0,0,0.2);
    transition: 0.3s;
    z-index: 999;
}
.scroll-top.show { display: flex !important; }
.scroll-top:hover {
    background: var(--primary-hover);
    transform: translateY(-4px);
}

/* Предупреждение */
.warning {
    background: #fef3cd;
    border-bottom: 1px solid #f59e0b;
    padding: 16px 0;
}
.warning p {
    color: #92400e;
    font-size: 14px;
    margin: 0;
}

/* Адаптация */
@media (max-width: 768px) {
    .hero h1 { font-size: 30px; }
    .nav { display: none; }
    .scroll-top { bottom: 20px; right: 20px; }
    .product-hero h1 { font-size: 26px; }
    .footer__inner { grid-template-columns: 1fr; gap: 24px; }
    .article h1 { font-size: 26px; }
    .article h2 { font-size: 22px; }
    
    .card {
        flex-direction: column;
        align-items: flex-start;
        gap: 20px;
        padding: 24px 20px;
    }
    .card__actions {
        width: 100%;
        flex-direction: row;
    }
    .card__actions .btn--outline,
    .card__actions .btn--card {
        flex: 1;
    }
    .card__features {
        flex-direction: column;
        gap: 8px;
    }
    .card__features li {
        white-space: normal;
    }
}