/* Страховка ипотеки Киров — стили. Манера и сетка — как у сайта выкупа; акцент — свой, голубой. */
:root{
  --bg:#F3F8FC;--surface:#fff;--ink:#14202B;--muted:#5E6E7B;--line:#DCE6EE;
  --acc:#1597E5;--acc-d:#0E78BC;--acc-soft:#E1F2FD;--sky:#8AD3FF;
  --navy:#12304A;--navy-muted:#A9BFD0;
  --amber:#FFB93B;--amber-soft:#FFF3D6;
  --danger:#C4513A;
  --radius:20px;--radius-lg:32px;--max:1200px;--ease:cubic-bezier(.2,.7,.2,1);
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth}
section[id]{scroll-margin-top:84px}
body{margin:0;font-family:'Onest',system-ui,-apple-system,'Segoe UI',sans-serif;color:var(--ink);background:var(--bg);line-height:1.55;font-size:17px;-webkit-font-smoothing:antialiased}
main{overflow-x:clip}
img{max-width:100%;display:block}
a{color:var(--acc-d)}
h1,h2,h3{margin:0 0 .5em;font-weight:500;letter-spacing:-.025em;line-height:1.1}
h1{font-size:clamp(30px,3.4vw,46px)}
h2{font-size:clamp(28px,4vw,46px)}
h3{font-size:21px;letter-spacing:-.01em;line-height:1.25}
p{margin:0 0 1em}
.small{font-size:13px;color:var(--muted)}
button,input{font-family:inherit}
button:focus-visible,a:focus-visible,input:focus-visible,summary:focus-visible{outline:3px solid var(--acc);outline-offset:2px}
.container{max-width:var(--max);margin:0 auto;padding:0 24px}
.ph{background:rgba(255,185,59,.3);border-radius:4px;padding:0 3px;color:inherit}
.i3d{object-fit:contain}

/* кнопки */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:16px 28px;border-radius:14px;border:0;background:var(--acc);color:#fff;font:inherit;font-weight:500;font-size:16px;cursor:pointer;text-decoration:none;box-shadow:0 10px 24px -10px rgba(21,151,229,.75);transition:background .25s,transform .25s var(--ease),box-shadow .25s}
.btn:hover{background:var(--acc-d);color:#fff;transform:translateY(-2px)}
.btn:active{transform:none}
.btn--big{width:100%;padding:18px 28px}
.btn--hero{padding:15px 30px;font-size:16px}
.btn--light{background:rgba(255,255,255,.14);color:#fff;border:1px solid rgba(255,255,255,.4);box-shadow:none}
.btn--light:hover{background:rgba(255,255,255,.26)}
.btn--white{background:#fff;color:var(--acc-d);box-shadow:0 14px 30px -14px rgba(0,0,0,.5)}
.btn--white:hover{background:var(--amber-soft);color:var(--acc-d)}
.btn--amber{background:var(--amber);color:#3A2800;box-shadow:0 10px 24px -10px rgba(255,185,59,.9)}
.btn--amber:hover{background:#FFC85F;color:#3A2800}
.btn[disabled]{opacity:.6;cursor:wait;transform:none}
.btn--pulse{animation:pulse 2.6s infinite}
.btn--amber.btn--pulse{animation-name:pulse-a}
@keyframes pulse{0%{box-shadow:0 10px 24px -10px rgba(21,151,229,.75),0 0 0 0 rgba(21,151,229,.45)}70%{box-shadow:0 10px 24px -10px rgba(21,151,229,.75),0 0 0 16px rgba(21,151,229,0)}100%{box-shadow:0 10px 24px -10px rgba(21,151,229,.75),0 0 0 0 rgba(21,151,229,0)}}
@keyframes pulse-a{0%{box-shadow:0 0 0 0 rgba(255,185,59,.55)}70%{box-shadow:0 0 0 16px rgba(255,185,59,0)}100%{box-shadow:0 0 0 0 rgba(255,185,59,0)}}
.btn--white.btn--pulse{animation:none}
.linkbtn{background:none;border:0;padding:0;color:inherit;font:inherit;font-size:14px;text-decoration:underline;text-underline-offset:3px;cursor:pointer;text-align:left}

/* шапка */
.header{position:sticky;top:0;z-index:50;background:rgba(243,248,252,.88);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid transparent;transition:border-color .3s}
.header.is-scrolled{border-bottom-color:var(--line)}
.header__inner{display:flex;align-items:center;gap:28px;height:76px}
.logo{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;white-space:nowrap}
.logo__mark{width:40px;height:40px;flex:0 0 40px;transition:transform .35s var(--ease)}
.logo:hover .logo__mark{transform:translateY(-2px) rotate(-6deg)}
.logo__text{display:flex;flex-direction:column;line-height:1.1}
.logo__text b{font-size:19px;font-weight:600;letter-spacing:-.02em}
.logo__text small{font-size:12px;color:var(--muted);letter-spacing:.02em}
.logo--light{color:#fff}
.logo--light small{color:var(--navy-muted)}
.nav{display:flex;gap:6px}
.nav a{padding:7px 14px;border:1px solid var(--line);border-radius:10px;background:var(--surface);color:var(--ink);text-decoration:none;font-size:14px;white-space:nowrap;transition:border-color .2s,color .2s}
.nav a:hover{border-color:var(--acc);color:var(--acc-d)}
.header__right{margin-left:auto;display:flex;align-items:center;gap:12px}
.header__phone{padding:9px 14px;border-radius:10px;border:1px solid var(--line);background:var(--surface);font-size:14px;white-space:nowrap}
.header .btn{padding:11px 18px;font-size:14px;border-radius:10px}

/* первый экран */
.hero{position:relative;overflow:clip;padding:22px 0 56px;background:radial-gradient(900px 500px at 85% 0%,rgba(138,211,255,.45),transparent 70%),radial-gradient(600px 400px at 0% 100%,rgba(255,185,59,.16),transparent 70%)}
.hero__inner{display:grid;grid-template-columns:1fr 1fr;grid-template-areas:"text right";gap:20px 40px;align-items:start}
.hero__text{grid-area:text;display:flex;flex-direction:column;gap:12px;min-width:0;padding-top:6px}
.hero__right{grid-area:right;min-width:0;display:flex;flex-direction:column}
.badge{align-self:flex-start;background:var(--acc-soft);color:var(--acc-d);font-size:14px;font-weight:500;padding:7px 14px;border-radius:99px}
.hero h1{margin:0}
.lead{margin:0;color:var(--muted);font-size:16.5px;max-width:540px}
.checks{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:9px}
.checks li{display:flex;gap:12px;align-items:flex-start;font-size:15px;line-height:1.4}
.checks i{flex:0 0 auto;width:24px;height:24px;border-radius:50%;background:var(--acc);display:flex;align-items:center;justify-content:center;box-shadow:0 6px 14px -6px rgba(21,151,229,.8)}
.hero__trust{margin:0;padding-top:12px;border-top:1px solid var(--line);font-size:15px}
.hero__text .small{margin:0}
.hero__late{display:block;margin-top:4px;font-size:14px;font-weight:400;color:var(--muted)}

/* иллюстрация: полис и бейджи */
.glow{position:absolute;inset:-10% -10% -10% -10%;background:radial-gradient(closest-side,rgba(138,211,255,.55),transparent 75%);pointer-events:none}
.policy{position:absolute;left:30px;top:20px;width:300px;background:#fff;border-radius:24px;padding:22px;box-shadow:0 30px 60px -24px rgba(18,48,74,.35),0 0 0 1px rgba(0,0,0,.03);transform:rotate(-3deg);animation:float 6s ease-in-out infinite}
.policy__head{display:flex;gap:12px;align-items:center;margin-bottom:12px}
.policy__head img{width:52px;height:52px}
.policy__head b{display:block;font-weight:600;font-size:17px;line-height:1.2}
.policy__head span{font-size:13px;color:var(--muted)}
.policy__head em{font-style:normal;color:var(--ink);font-weight:500}
.policy__row{display:flex;justify-content:space-between;font-size:13px;color:var(--muted);padding:8px 0;border-top:1px solid var(--line)}
.policy__sum{display:flex;align-items:baseline;gap:10px;flex-wrap:wrap}
.policy__sum span{font-size:34px;font-weight:500;letter-spacing:-.03em}
.policy__sum small{font-size:12px;background:var(--amber-soft);color:#7A5200;padding:3px 8px;border-radius:99px}
.policy__bar{height:8px;background:#E6EEF4;border-radius:99px;margin:12px 0 8px;overflow:hidden}
.policy__bar i{display:block;height:100%;width:0;border-radius:inherit;background:linear-gradient(90deg,var(--acc),var(--sky));animation:fill 2.4s var(--ease) .6s forwards}
.policy__foot{display:flex;justify-content:space-between;font-size:12px;color:var(--muted)}
.policy__foot b{color:var(--acc-d);font-weight:500}
.fbadge{position:absolute;display:flex;align-items:center;gap:8px;background:#fff;border-radius:99px;padding:6px 16px 6px 8px;font-size:14px;font-weight:500;box-shadow:0 16px 32px -14px rgba(18,48,74,.4),0 0 0 1px rgba(0,0,0,.03);white-space:nowrap;animation:float 5s ease-in-out infinite}
.fbadge img{width:34px;height:34px}
.fbadge--1{right:10px;top:6px;animation-delay:-1s}
.fbadge--2{right:0;top:112px;animation-delay:-2.5s}
.fbadge--3{right:50px;top:206px;animation-delay:-3.5s}
@keyframes float{0%,100%{translate:0 0}50%{translate:0 -10px}}
@keyframes fill{to{width:82%}}

/* квиз */
.quiz{position:relative;z-index:1;min-width:0;background:var(--surface);border-radius:28px;padding:24px 28px;box-shadow:0 30px 60px -24px rgba(18,48,74,.28),0 0 0 1px rgba(0,0,0,.03);display:flex;flex-direction:column;gap:18px}
.quiz__head{display:flex;justify-content:space-between;align-items:center;gap:12px;font-size:13px;color:var(--muted)}
.progress{height:8px;border-radius:99px;background:#E6EEF4;margin-top:10px;overflow:hidden}
.progress i{display:block;height:100%;width:20%;border-radius:inherit;background:linear-gradient(90deg,var(--acc),var(--sky));transition:width .6s var(--ease)}
.mode{display:flex;gap:4px;background:#EAF1F6;padding:4px;border-radius:14px}
.mode button{flex:1;min-height:46px;border:0;border-radius:11px;background:transparent;color:var(--muted);font-size:15px;font-weight:500;cursor:pointer;transition:background .2s,box-shadow .2s}
.mode button[aria-pressed="true"]{background:#fff;color:var(--ink);box-shadow:0 2px 8px rgba(18,48,74,.14)}
.mode button[data-mode="renew"][aria-pressed="true"]{background:var(--amber-soft);box-shadow:inset 0 0 0 2px var(--amber)}
.mode-note{margin:-4px 0 0;font-size:13px;color:#6B5413;background:var(--amber-soft);border-radius:10px;padding:9px 12px}
.qbody{display:flex;flex-direction:column;gap:16px}
.qbody.is-in{animation:qin .45s var(--ease)}
@keyframes qin{from{opacity:0;transform:translateX(22px)}to{opacity:1;transform:none}}
.qbody.is-back{animation-name:qback}
@keyframes qback{from{opacity:0;transform:translateX(-22px)}to{opacity:1;transform:none}}
.quiz h2{margin:0;font-size:26px;line-height:1.15}
.quiz__hint{margin:6px 0 0;font-size:14px;color:var(--muted)}
.opts{display:flex;flex-wrap:wrap;gap:10px}
.opt{flex:1 1 200px;min-width:0;display:flex;align-items:center;gap:12px;min-height:56px;padding:10px 14px;border:1.5px solid var(--line);border-radius:14px;background:#fff;color:var(--ink);font-size:15px;font-weight:500;text-align:left;cursor:pointer;transition:border-color .2s,transform .2s var(--ease),background .2s}
.opt__ic{flex:0 0 34px;width:34px;height:34px;border-radius:10px;background:var(--acc-soft);color:var(--acc-d);display:flex;align-items:center;justify-content:center;transition:background .2s,color .2s}
.opt__ic svg{width:19px;height:19px}
.opt__t{flex:1;min-width:0}
.opt__ck{flex:0 0 22px;width:22px;height:22px;border-radius:50%;border:1.5px solid #C5D3DE;display:flex;align-items:center;justify-content:center;color:transparent;transition:all .2s}
.opt__ck svg{width:13px;height:13px}
.opt:hover{border-color:var(--acc);transform:translateY(-1px)}
.opt[aria-pressed="true"]{border-color:var(--acc);background:var(--acc-soft);color:var(--acc-d)}
.opt[aria-pressed="true"] .opt__ic{background:var(--acc);color:#fff}
.opt[aria-pressed="true"] .opt__ck{background:var(--acc);border-color:var(--acc);color:#fff}
.back{align-self:flex-start;min-height:44px;padding:0;background:none;border:0;color:var(--muted);font-size:14px;cursor:pointer}
.fields{display:flex;flex-direction:column;gap:16px}
.field{display:flex;flex-direction:column;gap:6px}
.field label,.field .lbl{font-size:14px;font-weight:500}
.field label small{color:var(--muted);font-weight:400;font-size:14px}
.field input[type=text],.field input[type=tel]{height:54px;padding:0 16px;border:1.5px solid var(--line);border-radius:14px;font-size:16px;color:var(--ink);background:#fff;width:100%;transition:border-color .2s}
.field input:focus{border-color:var(--acc)}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{min-height:44px;padding:0 18px;border:1.5px solid var(--line);border-radius:99px;background:#fff;color:var(--ink);font-size:14px;font-weight:500;cursor:pointer}
.chip:hover{border-color:var(--acc)}
.chip[aria-pressed="true"]{border-color:var(--acc);background:var(--acc-soft);color:var(--acc-d)}
.agree{display:flex;gap:10px;align-items:flex-start;font-size:12px;line-height:1.45;color:var(--muted)}
.agree input{width:20px;height:20px;margin:1px 0 0;flex:0 0 auto;accent-color:var(--acc)}
.form-error{margin:0;color:var(--danger);font-size:14px}
.form-error:empty{display:none}
.trap{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}

/* секции */
.sec{padding:100px 0}
.sec--white{background:var(--surface)}
.sec--tint{background:linear-gradient(180deg,#EAF4FB,#F3F8FC)}
.sec__head{max-width:780px;margin-bottom:48px}
.sec__head h2{margin-bottom:14px}
.sec__head p{margin:0;font-size:18px;color:var(--muted)}
.grid{display:grid;gap:18px}
.grid--cards{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.card{background:var(--surface);border-radius:var(--radius);padding:30px;display:flex;flex-direction:column;gap:12px;box-shadow:0 0 0 1px var(--line);transition:transform .3s var(--ease),box-shadow .3s}
.card:hover{transform:translateY(-6px);box-shadow:0 28px 46px -26px rgba(18,48,74,.45),0 0 0 1.5px var(--acc)}
.card__ico{width:84px;height:84px;margin:-6px 0 2px -4px;transition:transform .4s var(--ease)}
.card:hover .card__ico{transform:rotate(-6deg) scale(1.08)}
.card h3{margin:0}
.card p{margin:0;font-size:15px;color:var(--muted)}

/* продление (тёмная полоса) */
.sec--dark{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.sec--dark::before{content:"";position:absolute;right:-8%;top:-30%;width:620px;height:620px;border-radius:50%;background:radial-gradient(closest-side,rgba(255,185,59,.28),transparent 70%);pointer-events:none}
.sec--renew{padding:84px 0}
.renew-grid{position:relative;display:grid;grid-template-columns:1.5fr 1fr;gap:48px;align-items:start}
.renew-cal{margin-bottom:6px}
.renew-cal img{width:96px;height:110px;animation:float 5s ease-in-out infinite}
.renew-l h2{margin-bottom:14px}
.renew-sub{font-size:18px;color:var(--navy-muted);max-width:620px}
.rsteps{list-style:none;counter-reset:r;margin:22px 0;padding:0;display:grid;gap:12px}
.rsteps li{counter-increment:r;display:flex;flex-direction:column;gap:2px;padding:14px 16px 14px 62px;position:relative;background:rgba(255,255,255,.07);border-radius:16px}
.rsteps li::before{content:counter(r);position:absolute;left:16px;top:50%;translate:0 -50%;width:34px;height:34px;border-radius:50%;background:var(--amber);color:#3A2800;font-weight:600;display:flex;align-items:center;justify-content:center}
.rsteps b{font-weight:600}
.rsteps span{color:var(--navy-muted);font-size:15px}
.renew-note{font-size:15px;color:#FFE3A3;max-width:620px}
.renew-act{display:flex;flex-wrap:wrap;gap:16px 24px;align-items:center}
.renew-act .linkbtn{color:var(--navy-muted);max-width:300px}
.renew-r{display:flex;flex-direction:column;gap:12px;padding-top:10px}
details.dark{background:rgba(255,255,255,.08);box-shadow:none}
details.dark[open]{box-shadow:inset 0 0 0 1.5px var(--amber)}
details.dark summary{font-size:16px}
details.dark p{color:var(--navy-muted);font-size:15px}
details.dark .faq-plus{color:var(--amber)}

/* таймлайн «Как это работает» */
.tl{--p:0;list-style:none;margin:0 auto;padding:0;max-width:860px;position:relative;display:flex;flex-direction:column;gap:22px}
.tl::before,.tl::after{content:"";position:absolute;left:24px;top:26px;bottom:26px;width:4px;border-radius:4px;background:#E1EAF1}
.tl::after{background:linear-gradient(180deg,var(--acc),var(--sky));bottom:auto;height:calc((100% - 52px) * var(--p))}
.tl__item{position:relative;padding-left:76px}
.tl__n{position:absolute;left:0;top:14px;width:52px;height:52px;border-radius:50%;background:#fff;border:3px solid #CFE0EC;color:var(--muted);font-size:22px;font-weight:600;display:flex;align-items:center;justify-content:center;z-index:1;transition:all .4s var(--ease)}
.tl__item.is-on .tl__n{background:var(--acc);border-color:var(--acc);color:#fff;box-shadow:0 0 0 8px rgba(21,151,229,.15)}
.tl__card{display:flex;gap:18px;align-items:center;background:var(--bg);border-radius:var(--radius);padding:20px 24px;transition:transform .3s var(--ease),box-shadow .3s}
.tl__card:hover{transform:translateX(6px);box-shadow:0 22px 40px -26px rgba(18,48,74,.4)}
.tl__ico{flex:0 0 72px;width:72px;height:72px}
.tl__card h3{margin:0 0 4px}
.tl__card p{margin:0;font-size:15px;color:var(--muted)}

/* цифры */
.stats{background:linear-gradient(120deg,var(--acc-d),var(--acc) 60%,#42B4F5);color:#fff;padding:64px 0;position:relative;overflow:hidden}
.stats::before{content:"";position:absolute;left:-5%;top:-60%;width:520px;height:520px;border-radius:50%;background:radial-gradient(closest-side,rgba(255,255,255,.25),transparent 70%)}
.stats__grid{position:relative;display:grid;grid-template-columns:repeat(5,1fr);gap:24px}
.stat{text-align:left;border-left:2px solid rgba(255,255,255,.35);padding-left:18px}
.stat__n{display:flex;align-items:baseline;gap:8px;flex-wrap:wrap;font-size:clamp(40px,5vw,64px);font-weight:500;letter-spacing:-.04em;line-height:1}
.stat__n small{font-size:17px;font-weight:500;letter-spacing:0;opacity:.9}
.stat p{margin:8px 0 0;font-size:15px;color:#DDF1FF}

/* пример расчёта */
.stamp{display:inline-block;margin-bottom:16px;padding:10px 20px;border:2.5px dashed var(--amber);border-radius:12px;background:var(--amber-soft);color:#6B4700;font-weight:600;font-size:clamp(15px,2vw,19px);transform:rotate(-1.5deg)}
.ex{max-width:860px;display:flex;flex-direction:column;gap:14px}
.ex__row{display:grid;grid-template-columns:130px 1fr 150px;gap:16px;align-items:center;background:#fff;border-radius:18px;padding:18px 22px;box-shadow:0 0 0 1px var(--line);transition:transform .3s var(--ease),box-shadow .3s}
.ex__row:hover{transform:translateY(-3px);box-shadow:0 20px 36px -24px rgba(18,48,74,.4),0 0 0 1.5px var(--acc)}
.ex__name{font-weight:600}
.ex__bar{height:14px;border-radius:99px;background:#E6EEF4;overflow:hidden}
.ex__bar i{display:block;height:100%;width:0;border-radius:inherit;background:linear-gradient(90deg,var(--acc),var(--sky));transition:width 1.4s var(--ease)}
.ex__row b{font-weight:600;font-size:19px;text-align:right}
.ex__row small{font-weight:400;font-size:13px;color:var(--muted)}
.ex__note{margin:6px 0 0;font-size:14px;color:var(--muted)}

/* стоимость и таблица */
.price>*,.renew-grid>*,.who>*{min-width:0}
.price{display:grid;grid-template-columns:1fr 1.4fr;gap:56px;align-items:start}
.price__sub{color:var(--muted);font-size:18px}
.factors{list-style:none;margin:28px 0 0;padding:0;display:flex;flex-direction:column;gap:16px;font-size:16px}
.factors li{padding-left:18px;border-left:3px solid var(--acc)}
.factors strong{font-weight:600}
.factors span{color:var(--muted)}
.price__r h3{margin:0 0 16px;font-size:24px}
.price__note{margin-top:12px}
.tbl{overflow-x:auto;border-radius:var(--radius);background:#fff;box-shadow:0 0 0 1px var(--line)}
table{border-collapse:collapse;width:100%;min-width:560px;font-size:14px;line-height:1.45}
th{text-align:left;padding:14px 16px;background:var(--acc-soft);font-weight:600;color:var(--acc-d)}
td{padding:14px 16px;border-top:1px solid var(--line);vertical-align:top;color:var(--muted)}
td:first-child{font-weight:600;color:var(--ink)}
.tcell{display:flex;align-items:center;gap:10px}
.tcell img{width:36px;height:36px;flex:0 0 36px}

/* кто за сервисом */
.who{display:grid;grid-template-columns:320px 1fr;gap:48px;align-items:center}
.who__photo{aspect-ratio:4/5;border-radius:var(--radius-lg);background:linear-gradient(160deg,var(--acc-soft),#C6E8FB);display:flex;align-items:center;justify-content:center;text-align:center;padding:20px;box-shadow:0 30px 60px -30px rgba(18,48,74,.4)}
.who__text p{font-size:17px;color:var(--muted)}
.who__text b{color:var(--ink)}
.who__c{color:var(--ink)!important}

/* отзывы (скрыты) */
.reviews{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:18px}
.review{margin:0;background:var(--bg);border:2px dashed #E9B949;border-radius:var(--radius);padding:26px}

/* FAQ */
.faq{max-width:860px;display:flex;flex-direction:column;gap:10px}
.faq h2{margin-bottom:24px}
details{background:var(--surface);border-radius:18px;box-shadow:0 0 0 1px var(--line);transition:box-shadow .2s}
details[open]{box-shadow:0 0 0 1.5px var(--acc)}
summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 24px;font-size:18px;font-weight:500}
summary::-webkit-details-marker{display:none}
.faq-plus{font-size:26px;line-height:1;color:var(--acc);transition:transform .2s;flex:0 0 auto}
details[open] .faq-plus{transform:rotate(45deg)}
details p{margin:0;padding:0 24px 22px;font-size:16px;color:var(--muted)}

/* призыв */
.cta{position:relative;overflow:hidden;background:linear-gradient(120deg,var(--acc-d),var(--acc));color:#fff;padding:76px 0}
.cta::before{content:"";position:absolute;right:-8%;top:-60%;width:560px;height:560px;border-radius:50%;background:radial-gradient(closest-side,rgba(255,255,255,.28),transparent 70%)}
.cta__inner{position:relative;display:flex;flex-wrap:wrap;gap:24px 40px;align-items:center;justify-content:space-between}
.cta h2{margin:0 0 10px}
.cta p{margin:0;color:#DDF1FF;font-size:18px}
.cta__btns{display:flex;flex-wrap:wrap;gap:12px}

/* сведения об агенте */
.agent{padding:64px 0;border-top:1px solid var(--line)}
.agent p{font-size:15px;color:var(--muted);max-width:980px}
.agent .tbl{margin:18px 0}

/* подвал */
.footer{background:var(--navy);color:var(--navy-muted);padding:64px 0 100px;font-size:14px}
.footer a{color:var(--navy-muted)}
.footer a:hover{color:#fff}
.footer .logo--light{color:#fff}
.footer__cols{display:flex;flex-wrap:wrap;gap:32px 48px}
.footer__col{flex:1 1 200px;min-width:0;display:flex;flex-direction:column;gap:9px}
.footer__col>b{color:#fff;font-size:13px;font-weight:500;letter-spacing:.06em;text-transform:uppercase}
.footer__legal{margin-top:36px;padding-top:24px;border-top:1px solid rgba(255,255,255,.12);display:flex;flex-direction:column;gap:8px;font-size:13px;line-height:1.5}

/* закреплённая кнопка (телефон) */
.sticky-cta{display:none;position:fixed;left:12px;right:12px;bottom:12px;z-index:60;gap:8px;transform:translateY(130%);transition:transform .35s var(--ease)}
.sticky-cta .btn{flex:1;padding:15px 10px;font-size:16px}
.sticky-cta .btn--max{background:#fff;color:var(--acc-d);box-shadow:0 10px 24px -10px rgba(18,48,74,.5)}
.footer__col a{overflow-wrap:anywhere}
.sticky-menu{position:absolute;right:0;bottom:calc(100% + 10px);display:flex;flex-direction:column;gap:6px;background:#fff;border-radius:16px;padding:8px;min-width:220px;box-shadow:0 20px 40px -12px rgba(18,48,74,.5),0 0 0 1px var(--line)}
.sticky-menu a{padding:14px 16px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:500;font-size:16px}
.sticky-menu a:hover{background:var(--acc-soft);color:var(--acc-d)}
.sticky-cta.is-on{transform:none}

/* внутренние страницы */
.doc{max-width:860px;margin:0 auto;padding:32px 24px 72px}
.doc__back{display:inline-block;margin-bottom:16px;font-size:14px;text-decoration:none}
.doc__card{background:#fff;border-radius:var(--radius-lg);padding:44px;box-shadow:0 0 0 1px var(--line)}
.doc__card h1{font-size:clamp(28px,4.5vw,42px);margin-bottom:10px}
.doc__card h2{font-size:22px;margin:30px 0 10px;letter-spacing:-.015em}
.doc__card p,.doc__card li{font-size:16px;color:var(--muted)}
.doc__date{font-size:14px!important}
.doc__req{margin-top:28px;padding:18px;background:var(--bg);border-radius:14px;font-size:14px;line-height:1.6;color:var(--ink)}
.thanks__lead{font-size:19px!important}
.thanks__steps li{margin-bottom:8px}
.thanks__ico{width:96px;height:96px;margin-bottom:8px}
.sum{margin:16px 0;border:1px solid var(--line);border-radius:14px;overflow:hidden}
.sum div{display:flex;justify-content:space-between;gap:16px;padding:12px 16px;font-size:15px;border-bottom:1px solid var(--bg)}
.sum dt{color:var(--muted)}.sum dd{margin:0;font-weight:600;text-align:right}

/* появление при прокрутке */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .9s var(--ease),transform .9s var(--ease)}
.reveal.is-visible{opacity:1;transform:none}
.reveal-d1{transition-delay:.1s}.reveal-d2{transition-delay:.2s}.reveal-d3{transition-delay:.3s}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
  .btn--pulse,.policy,.fbadge,.renew-cal img{animation:none}
  .policy__bar i{animation:none;width:82%}
  .qbody.is-in,.qbody.is-back{animation:none}
  .progress i,.ex__bar i,.sticky-cta{transition:none}
}

@media (max-width:1020px){
  .hero__inner{grid-template-columns:1fr;grid-template-areas:"text" "right"}
    .nav{display:none}
  .renew-grid,.price{grid-template-columns:1fr}
  .stats__grid{grid-template-columns:repeat(3,1fr)}
  .who{grid-template-columns:240px 1fr}
}
@media (max-width:760px){
  body{font-size:16px}
  .container{padding:0 18px}
  .header__inner{height:64px;gap:12px}
  .header__phone{display:none}
  .logo__text b{font-size:16px}
  .hero{padding:28px 0 48px}
  .lead{font-size:17px}
  .btn--hero{width:100%}
  .quiz{padding:20px;border-radius:22px}
  .quiz h2{font-size:23px}
    .policy{position:relative;left:auto;top:auto;width:100%;max-width:340px;transform:rotate(-2deg)}
  .fbadge{position:relative;right:auto;top:auto;animation-duration:6s}
  .sec{padding:60px 0}
  .sec--renew{padding:56px 0}
  .sec__head{margin-bottom:30px}
  .tl::before,.tl::after{left:19px}
  .tl__n{width:42px;height:42px;font-size:18px;top:16px}
  .tl__item{padding-left:58px}
  .tl__card{flex-direction:column;align-items:flex-start;gap:8px;padding:18px}
  .tl__ico{width:56px;height:56px;flex-basis:56px}
  .stats{padding:48px 0}
  .stats__grid{grid-template-columns:1fr 1fr;gap:28px 18px}
  .ex__row{grid-template-columns:1fr auto;gap:8px 12px;padding:16px}
  .ex__bar{grid-column:1/-1;order:3}
  .who{grid-template-columns:1fr;gap:24px}
  .who__photo{max-width:260px}
  .doc__card{padding:24px}
  .cta{padding:52px 0}
  .cta__btns .btn,.renew-act .btn{width:100%}
  .sticky-cta{display:flex}
  .renew-act{flex-direction:column;align-items:stretch}
}

/* ===== Сцена-талисман: тучка, дождь, молния, зверёк с зонтиком ===== */
.scene{--ps:paused;position:relative}
.scene.is-on{--ps:running}
.scene svg{display:block;width:100%;height:auto;overflow:visible}
.mascot-end{background:linear-gradient(180deg,#F3F8FC,#DDEFFB);padding:70px 0 40px;overflow:hidden}
.mascot-end__in{display:grid;grid-template-columns:1fr 360px;gap:40px;align-items:center}
.mascot-end h2{margin-bottom:12px}
.mascot-end p{color:var(--muted);font-size:18px;max-width:520px}
.scene--end{max-width:360px;justify-self:end;width:100%}
.mascot-end .btn--white{background:var(--acc);color:#fff;box-shadow:0 10px 24px -10px rgba(21,151,229,.75)}
.mascot-end .btn--white:hover{background:var(--acc-d);color:#fff}
@media (max-width:760px){
  .mascot-end{padding:48px 0 28px}
  .mascot-end__in{grid-template-columns:1fr;gap:12px}
  .scene--end{max-width:280px;justify-self:center;order:-1}
  .mascot-end__t{text-align:left}
}
@media (prefers-reduced-motion:no-preference){
  .drop{animation:m-fall var(--t,1.5s) linear infinite;animation-play-state:var(--ps,paused);opacity:0}
  .sp{animation:m-splash var(--t,1.5s) ease-out infinite;animation-play-state:var(--ps,paused);opacity:0;transform-box:fill-box;transform-origin:center}
  .rip{animation:m-rip 1.6s ease-out infinite;animation-play-state:var(--ps,paused);opacity:0;transform-box:fill-box;transform-origin:center;fill:none;stroke:#5CC8FF;stroke-width:1.5}
  .cloud{animation:m-bob 5s ease-in-out infinite;animation-play-state:var(--ps,paused)}
  .flashov{animation:m-flash 5.5s linear infinite;animation-play-state:var(--ps,paused);opacity:0}
  .bolt{animation:m-bolt 5.5s linear infinite;animation-play-state:var(--ps,paused);opacity:0}
  .eyes{animation:m-blink 4.5s infinite;animation-play-state:var(--ps,paused);transform-box:fill-box;transform-origin:center}
  .body{animation:m-body 3.6s ease-in-out infinite;animation-play-state:var(--ps,paused);transform-box:fill-box;transform-origin:50% 100%}
  .umb{animation:m-umb 4s ease-in-out infinite;animation-play-state:var(--ps,paused);transform-box:fill-box;transform-origin:50% 100%}
}
@media (prefers-reduced-motion:reduce){.drop,.sp,.rip,.bolt,.flashov{display:none}}
@keyframes m-fall{0%{opacity:0;transform:translateY(0)}8%{opacity:.95}78%{opacity:.95;transform:translateY(var(--f))}80%,100%{opacity:0;transform:translateY(var(--f))}}
@keyframes m-splash{0%,77%{opacity:0;transform:scale(.3)}80%{opacity:.9}100%{opacity:0;transform:scale(1.7)}}
@keyframes m-rip{0%{opacity:.9;transform:scale(.3)}100%{opacity:0;transform:scale(1.6)}}
@keyframes m-bob{0%,100%{transform:translateY(0)}50%{transform:translateY(4px)}}
@keyframes m-flash{0%,89%{opacity:0}91%{opacity:.5}93%{opacity:.1}95%{opacity:.4}100%{opacity:0}}
@keyframes m-bolt{0%,89%{opacity:0}91%{opacity:1}93%{opacity:.2}95%{opacity:1}98%,100%{opacity:0}}
@keyframes m-blink{0%,92%,100%{transform:scaleY(1)}96%{transform:scaleY(.1)}}
@keyframes m-body{0%,100%{transform:scale(1)}50%{transform:scale(1.015,.985)}}
@keyframes m-umb{0%,100%{transform:rotate(-1.5deg)}50%{transform:rotate(1.5deg)}}

/* ===== первый экран: сцена над квизом, компактный квиз ===== */
.scene--hero{width:min(250px,60%);margin:0 auto -18px;position:relative;z-index:2;pointer-events:none}
.opts--dense .opt{flex:1 1 calc(50% - 10px);min-height:46px;padding:8px 12px;gap:8px;font-size:14px}
.opts--dense .opt__ck{display:none}
.opts--dense .opt__ic{flex-basis:28px;width:28px;height:28px}
.opts--dense .opt__ic svg{width:16px;height:16px}
.opts--dd{display:block}
.dd{position:relative;width:100%}
.dd__btn,.dd select{width:100%;min-height:54px;padding:0 44px 0 14px;border:1.5px solid var(--line);border-radius:14px;background:#fff;color:var(--ink);font:inherit;font-size:16px;font-weight:500;text-align:left;cursor:pointer;display:flex;align-items:center;gap:10px;transition:border-color .2s}
.dd__btn:hover,.dd select:hover,.dd.is-open .dd__btn{border-color:var(--acc)}
.dd__btn .opt__ic{flex:0 0 32px;width:32px;height:32px}
.dd__ph{color:var(--muted);font-weight:400}
.dd__chev{position:absolute;right:16px;top:50%;width:12px;height:12px;margin-top:-8px;border:solid var(--acc-d);border-width:0 2.5px 2.5px 0;transform:rotate(45deg);pointer-events:none;transition:transform .2s}
.dd.is-open .dd__chev{transform:rotate(-135deg);margin-top:-2px}
.dd select{appearance:none;-webkit-appearance:none;padding-left:16px}
.dd__list{position:absolute;left:0;right:0;top:calc(100% + 6px);z-index:30;margin:0;padding:6px;list-style:none;background:#fff;border-radius:16px;box-shadow:0 24px 48px -12px rgba(18,48,74,.4),0 0 0 1px var(--line);overflow:auto}
.dd__list.up{top:auto;bottom:calc(100% + 6px)}
.dd__opt{display:flex;align-items:center;gap:10px;padding:8px 10px;border-radius:10px;cursor:pointer;font-size:15px;font-weight:500}
.dd__opt .opt__ic{flex:0 0 30px;width:30px;height:30px}
.dd__opt:hover,.dd__opt:focus{background:var(--acc-soft);outline:0}
.dd__opt[aria-selected="true"]{color:var(--acc-d);background:var(--acc-soft)}
.dd__opt .opt__ck{margin-left:auto;display:none;border:0;color:var(--acc-d);width:20px;height:20px}
.dd__opt[aria-selected="true"] .opt__ck{display:flex}
@media (max-width:760px){
  .scene--hero{width:128px;margin-bottom:-14px}
  .hero__right{margin-top:6px}
}
@media (min-width:1021px) and (max-height:820px){
  .quiz{padding:20px 26px;gap:14px}
  .quiz h2{font-size:23px}
  .qbody{gap:12px}
}