/* ============================================================
   DZHABO SERVICE — landing
   Палитра с баннеров: чёрно-угольный фон, тёплый золотой свет,
   3D-золотой леттеринг + белый маркерный акцент.
   ============================================================ */

:root{
  --bg:#0b0806;
  --bg-2:#100c08;
  --ink:#f4ece0;
  --muted:#a99c8a;

  --gold-1:#fff3b0;
  --gold-2:#ffc21a;
  --gold-3:#f59e0b;
  --gold-4:#a35c05;
  --gold-glow:rgba(255,194,26,.35);

  --line:rgba(255,194,26,.14);
  --card:rgba(28,21,13,.62);
  --card-2:rgba(38,28,16,.72);

  --radius:20px;
  --radius-sm:14px;
  --max:1180px;

  --font:'Manrope',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;
  --display:'Anton',Impact,'Arial Black',sans-serif;
  --marker:'Permanent Marker',cursive;

  --ease:cubic-bezier(.22,1,.36,1);
}

*,*::before,*::after{box-sizing:border-box}

html{scroll-behavior:smooth;scroll-padding-top:90px;-webkit-text-size-adjust:100%;overflow-x:hidden}

body{
  margin:0;
  font-family:var(--font);
  color:var(--ink);
  background:var(--bg);
  line-height:1.65;
  overflow-x:hidden;
  -webkit-font-smoothing:antialiased;
}

img,svg{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{margin:0;padding:0;list-style:none}
h1,h2,h3,h4{margin:0;line-height:1.15;font-weight:800}
p{margin:0}

::selection{background:var(--gold-2);color:#1a1204}

/* ---------- скроллбар ---------- */
::-webkit-scrollbar{width:10px}
::-webkit-scrollbar-track{background:#0a0704}
::-webkit-scrollbar-thumb{background:linear-gradient(var(--gold-3),var(--gold-4));border-radius:10px}

/* ============================================================
   ФОН-СЦЕНА: лучи, свечение, дым, зерно
   ============================================================ */
.scene{position:fixed;inset:0;z-index:0;pointer-events:none;overflow:hidden}

.scene::before{
  content:'';position:absolute;inset:0;
  background:
    radial-gradient(120% 80% at 50% -10%, rgba(255,190,60,.20), transparent 60%),
    radial-gradient(80% 60% at 50% 105%, rgba(255,160,30,.10), transparent 65%),
    linear-gradient(180deg,#0d0906 0%,#0b0806 45%,#080604 100%);
}

.scene__rays{
  position:absolute;left:50%;top:-25vh;width:120vw;height:110vh;translate:-50% 0;
  background:
    conic-gradient(from 190deg at 50% 0%,
      transparent 0deg, rgba(255,200,80,.10) 6deg, transparent 12deg,
      transparent 24deg, rgba(255,210,110,.08) 30deg, transparent 36deg,
      transparent 50deg, rgba(255,190,60,.09) 56deg, transparent 62deg);
  filter:blur(14px);
  opacity:.85;
  animation:rays 22s ease-in-out infinite alternate;
}
@keyframes rays{from{transform:rotate(-3deg) scale(1)}to{transform:rotate(3deg) scale(1.06)}}

.scene__glow{
  position:absolute;left:50%;top:8vh;width:min(900px,90vw);aspect-ratio:1;translate:-50% 0;
  background:radial-gradient(circle, rgba(255,190,50,.22), transparent 62%);
  filter:blur(40px);
  animation:pulse 9s ease-in-out infinite;
}
@keyframes pulse{0%,100%{opacity:.65;transform:translateX(-50%) scale(1)}50%{opacity:1;transform:translateX(-50%) scale(1.08)}}

/* дым/туман снизу первого экрана */
.scene__fog{
  position:absolute;left:-10%;right:-10%;top:45vh;height:70vh;
  background:
    radial-gradient(50% 40% at 20% 60%, rgba(255,225,180,.10), transparent 70%),
    radial-gradient(45% 38% at 60% 50%, rgba(255,215,160,.12), transparent 70%),
    radial-gradient(55% 45% at 85% 65%, rgba(255,205,140,.08), transparent 70%);
  filter:blur(30px);
  animation:fog 26s ease-in-out infinite alternate;
}
@keyframes fog{from{transform:translateX(-3%) translateY(0)}to{transform:translateX(3%) translateY(-4%)}}

.scene__grain{
  position:absolute;inset:0;opacity:.05;mix-blend-mode:overlay;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

/* искры */
.spark{
  position:absolute;width:4px;height:4px;border-radius:50%;
  background:var(--gold-1);
  box-shadow:0 0 12px 3px rgba(255,200,80,.7);
  opacity:0;
  animation:spark 9s linear infinite;
}
.spark--1{left:18%;top:70%;animation-delay:0s}
.spark--2{left:42%;top:80%;animation-delay:2.5s}
.spark--3{left:71%;top:65%;animation-delay:4.5s}
.spark--4{left:88%;top:78%;animation-delay:6.5s}
@keyframes spark{
  0%{opacity:0;transform:translateY(0) scale(.6)}
  15%{opacity:1}
  100%{opacity:0;transform:translateY(-60vh) scale(1.1)}
}

/* ============================================================
   БАЗОВАЯ РАЗМЕТКА
   ============================================================ */
main,.header,.footer{position:relative;z-index:2}

.container{width:100%;max-width:var(--max);margin-inline:auto;padding-inline:22px}
.container--narrow{max-width:860px}

.section{padding:110px 0;position:relative}
.section--alt::before{
  content:'';position:absolute;inset:0;z-index:-1;
  background:linear-gradient(180deg,transparent,rgba(255,180,40,.04) 35%,rgba(255,180,40,.04) 65%,transparent);
  border-block:1px solid var(--line);
}

.section__head{max-width:720px;margin:0 auto 56px;text-align:center}
.section__lead{color:var(--muted);font-size:1.06rem;margin-top:14px}

.eyebrow{
  display:inline-block;margin-bottom:14px;
  font-size:.74rem;letter-spacing:.22em;text-transform:uppercase;font-weight:800;
  color:var(--gold-2);
  padding:7px 14px;border:1px solid var(--line);border-radius:999px;
  background:rgba(255,194,26,.06);
}

.h2{font-size:clamp(2rem,4.6vw,3.15rem);letter-spacing:-.02em}
.gold{
  background:linear-gradient(180deg,var(--gold-1) 0%,var(--gold-2) 45%,var(--gold-3) 75%,var(--gold-4) 100%);
  -webkit-background-clip:text;background-clip:text;color:transparent;
}

/* ============================================================
   ШАПКА
   ============================================================ */
.header{position:fixed;inset:0 0 auto;z-index:60;transition:all .35s var(--ease)}
.header.is-stuck{
  background:rgba(9,7,5,.82);
  backdrop-filter:blur(16px);
  border-bottom:1px solid var(--line);
  box-shadow:0 10px 40px rgba(0,0,0,.5);
}
.header__inner{display:flex;align-items:center;justify-content:space-between;gap:24px;height:78px}

.brand{display:flex;align-items:center;gap:11px;flex-shrink:0}
.brand__mark{
  width:38px;height:38px;display:grid;place-items:center;border-radius:11px;
  font-family:var(--display);font-size:1.35rem;color:#241701;
  background:linear-gradient(160deg,var(--gold-1),var(--gold-2) 40%,var(--gold-3) 75%,var(--gold-4));
  box-shadow:0 6px 22px rgba(255,170,20,.35),inset 0 1px 0 rgba(255,255,255,.6);
}
.brand__text{
  font-family:var(--display);font-size:1.25rem;letter-spacing:.06em;line-height:1;
  display:flex;flex-direction:column;
}
.brand__text small{
  font-family:var(--font);font-size:.58rem;letter-spacing:.34em;font-weight:700;
  color:var(--gold-2);text-transform:uppercase;margin-top:3px;
}
.brand--sm .brand__mark{width:34px;height:34px;font-size:1.15rem}

.nav{display:flex;align-items:center;gap:26px}
.nav a:not(.btn){
  font-size:.92rem;font-weight:600;color:#cbbda9;position:relative;
  transition:color .25s;white-space:nowrap;
}
.nav a.btn--gold{color:#241701}
.nav a:not(.btn):after{
  content:'';position:absolute;left:0;bottom:-6px;width:0;height:2px;border-radius:2px;
  background:linear-gradient(90deg,var(--gold-2),var(--gold-3));transition:width .3s var(--ease);
}
.nav a:not(.btn):hover{color:var(--gold-2)}
.nav a:not(.btn):hover:after{width:100%}

.burger{display:none;width:44px;height:40px;border:1px solid var(--line);border-radius:11px;background:rgba(255,194,26,.06);cursor:pointer;padding:0}
.burger span{display:block;width:20px;height:2px;margin:4px auto;border-radius:2px;background:var(--gold-2);transition:.3s var(--ease)}
.burger.is-open span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.burger.is-open span:nth-child(2){opacity:0}
.burger.is-open span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

/* ============================================================
   КНОПКИ
   ============================================================ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:15px 30px;border-radius:14px;border:1px solid transparent;
  font-weight:800;font-size:.98rem;letter-spacing:.01em;cursor:pointer;
  transition:transform .25s var(--ease),box-shadow .3s,filter .25s;
  white-space:nowrap;
}
.btn .ico{width:19px;height:19px;fill:currentColor}
.btn--sm{padding:10px 20px;font-size:.87rem;border-radius:11px}
.btn--lg{padding:19px 42px;font-size:1.08rem;border-radius:16px}

.btn--gold{
  color:#241701;
  background:linear-gradient(180deg,var(--gold-1) 0%,var(--gold-2) 42%,var(--gold-3) 100%);
  box-shadow:0 10px 30px rgba(255,170,20,.28),inset 0 1px 0 rgba(255,255,255,.65),inset 0 -2px 0 rgba(120,60,0,.3);
}
.btn--gold:hover{transform:translateY(-3px);box-shadow:0 16px 44px rgba(255,170,20,.45),inset 0 1px 0 rgba(255,255,255,.7)}

.btn--ghost{
  color:var(--ink);border-color:var(--line);
  background:rgba(255,255,255,.03);backdrop-filter:blur(6px);
}
.btn--ghost:hover{transform:translateY(-3px);border-color:rgba(255,194,26,.45);background:rgba(255,194,26,.08)}

/* ============================================================
   ГЛАВНЫЙ ЭКРАН
   ============================================================ */
.hero{
  min-height:100svh;display:flex;align-items:center;
  padding:130px 0 90px;position:relative;text-align:center;
}
.hero__inner{position:relative}

.badge{
  display:inline-flex;align-items:center;gap:10px;
  padding:9px 18px;border-radius:999px;border:1px solid var(--line);
  background:rgba(255,194,26,.07);backdrop-filter:blur(8px);
  font-size:.83rem;font-weight:600;color:#e5d6bd;margin-bottom:30px;
}
.badge .dot{
  width:8px;height:8px;border-radius:50%;background:#3ddc72;
  box-shadow:0 0 0 0 rgba(61,220,114,.6);animation:live 2s infinite;
}
@keyframes live{70%{box-shadow:0 0 0 9px rgba(61,220,114,0)}100%{box-shadow:0 0 0 0 rgba(61,220,114,0)}}

.hero__title{display:flex;flex-direction:column;align-items:center;gap:0;margin-bottom:26px}

/* 3D-золотой леттеринг как на баннерах */
.gold-title{
  font-family:var(--display);
  font-size:clamp(4.5rem,24vw,15rem);
  line-height:.92;
  letter-spacing:.02em;
  background:linear-gradient(180deg,
    #fff6c9 0%, #ffd94a 18%, #ffb703 46%, #ffdf6b 58%, #f08c00 82%, #b45f04 100%);
  -webkit-background-clip:text;background-clip:text;color:transparent;
  filter:drop-shadow(0 6px 0 rgba(120,58,0,.75)) drop-shadow(0 18px 34px rgba(255,150,0,.35));
  position:relative;
}
.gold-title::after{
  content:'';position:absolute;left:50%;top:14%;width:26%;height:34%;translate:-50% 0;
  background:radial-gradient(closest-side,rgba(255,255,255,.9),transparent 70%);
  filter:blur(10px);opacity:.55;pointer-events:none;
  animation:shine 6s ease-in-out infinite;
}
@keyframes shine{0%,100%{transform:translateX(-140%) rotate(8deg);opacity:.15}50%{transform:translateX(40%) rotate(8deg);opacity:.6}}
.gold-title--sm{font-size:clamp(2.6rem,7vw,5.2rem)}

.marker-title{
  font-family:var(--marker);
  font-size:clamp(2.4rem,12vw,6.8rem);
  line-height:1;
  color:#fff;
  margin-top:-.18em;
  text-shadow:0 0 26px rgba(255,240,200,.55),0 0 70px rgba(255,190,60,.4),0 6px 22px rgba(0,0,0,.6);
  transform:rotate(-1.5deg);
}
.marker-title--sm{font-size:clamp(1.8rem,5vw,3.4rem)}

.hero__sub{
  max-width:660px;margin:0 auto 38px;color:#c2b39d;font-size:1.09rem;
}

.hero__actions{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-bottom:66px}

.hero__stats{
  display:flex;justify-content:center;gap:14px;flex-wrap:wrap;
}
.hero__stats li{
  min-width:190px;padding:20px 26px;border-radius:var(--radius-sm);
  border:1px solid var(--line);background:var(--card);backdrop-filter:blur(10px);
  display:flex;flex-direction:column;gap:2px;
}
.hero__stats b{
  font-family:var(--display);font-size:2rem;letter-spacing:.02em;
  background:linear-gradient(180deg,var(--gold-1),var(--gold-2) 50%,var(--gold-3));
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.hero__stats span{font-size:.83rem;color:var(--muted);text-transform:uppercase;letter-spacing:.12em;font-weight:700}

/* парящие 3D-объекты */
.floaters{position:absolute;inset:-8% 0;pointer-events:none;z-index:-1}
.floater{
  position:absolute;border-radius:16px;
  background:linear-gradient(150deg,#241a10,#0f0b07);
  border:1px solid rgba(255,194,26,.25);
  box-shadow:0 22px 50px rgba(0,0,0,.6),inset 0 1px 0 rgba(255,210,120,.25);
  animation:float 11s ease-in-out infinite;
}
.floater--sim{width:96px;height:70px;left:2%;top:26%;transform:rotate(-14deg)}
.floater--sim::after{
  content:'';position:absolute;right:12px;top:14px;width:34px;height:26px;border-radius:5px;
  background:linear-gradient(150deg,var(--gold-1),var(--gold-3));
  box-shadow:inset 0 0 0 1px rgba(0,0,0,.35);
}
.floater--bubble{
  width:78px;height:64px;left:6%;bottom:12%;border-radius:22px;animation-delay:-3s;
}
.floater--bubble::after{
  content:'';position:absolute;left:16px;top:20px;width:44px;height:3px;border-radius:3px;
  background:var(--gold-2);box-shadow:0 9px 0 var(--gold-3),0 18px 0 var(--gold-4);
}
.floater--shield{
  width:74px;height:80px;right:5%;top:22%;border-radius:22px;animation-delay:-6s;
}
.floater--shield::after{
  content:'✓';position:absolute;inset:0;display:grid;place-items:center;
  font-size:2rem;font-weight:900;color:var(--gold-2);
}
.floater--coin{
  width:66px;height:66px;right:8%;bottom:14%;border-radius:50%;animation-delay:-8s;
  background:linear-gradient(150deg,var(--gold-1),var(--gold-3) 60%,var(--gold-4));
}
.floater--coin::after{
  content:'$';position:absolute;inset:0;display:grid;place-items:center;
  font-family:var(--display);font-size:1.9rem;color:#3d2200;
}
@keyframes float{
  0%,100%{transform:translateY(0) rotate(-8deg)}
  50%{transform:translateY(-26px) rotate(6deg)}
}

.scroll-hint{
  position:absolute;left:50%;bottom:26px;translate:-50% 0;
  width:26px;height:42px;border:2px solid rgba(255,194,26,.4);border-radius:14px;
}
.scroll-hint span{
  position:absolute;left:50%;top:8px;translate:-50% 0;
  width:4px;height:8px;border-radius:2px;background:var(--gold-2);
  animation:wheel 1.8s ease-in-out infinite;
}
@keyframes wheel{0%{opacity:0;transform:translate(-50%,0)}30%{opacity:1}100%{opacity:0;transform:translate(-50%,16px)}}

/* ============================================================
   КАРТОЧКИ УСЛУГ
   ============================================================ */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.cards--4{grid-template-columns:repeat(4,1fr)}

.card{
  position:relative;padding:32px 28px 28px;border-radius:var(--radius);
  border:1px solid var(--line);background:var(--card);backdrop-filter:blur(10px);
  overflow:hidden;transition:transform .4s var(--ease),border-color .3s,box-shadow .4s;
}
.card::before{
  content:'';position:absolute;inset:0;opacity:0;transition:opacity .4s;
  background:radial-gradient(600px circle at var(--mx,50%) var(--my,0%),rgba(255,194,26,.10),transparent 45%);
}
.card:hover{transform:translateY(-8px);border-color:rgba(255,194,26,.4);box-shadow:0 26px 60px rgba(0,0,0,.55)}
.card:hover::before{opacity:1}

.card__ico{
  width:58px;height:58px;border-radius:16px;display:grid;place-items:center;margin-bottom:20px;
  background:linear-gradient(160deg,rgba(255,194,26,.22),rgba(255,140,0,.08));
  border:1px solid rgba(255,194,26,.3);
  box-shadow:inset 0 1px 0 rgba(255,220,140,.3);
}
.card__ico svg{width:28px;height:28px;fill:var(--gold-2)}

.card h3{font-size:1.28rem;margin-bottom:10px;letter-spacing:-.01em}
.card p{color:var(--muted);font-size:.96rem}

.ticks{margin:18px 0 22px;display:grid;gap:9px}
.ticks li{position:relative;padding-left:26px;font-size:.92rem;color:#d8ccb9}
.ticks li::before{
  content:'';position:absolute;left:0;top:.45em;width:14px;height:14px;border-radius:50%;
  background:linear-gradient(160deg,var(--gold-2),var(--gold-3));
  box-shadow:0 0 10px rgba(255,180,30,.5);
}
.ticks li::after{
  content:'';position:absolute;left:4.5px;top:.72em;width:4px;height:7px;
  border:2px solid #2a1a02;border-top:0;border-left:0;transform:rotate(42deg);
}
.ticks--lg li{font-size:1.02rem;padding-left:32px;margin-bottom:2px}
.ticks--lg li::before{width:18px;height:18px;top:.35em}
.ticks--lg li::after{left:6px;top:.66em;width:5px;height:9px}

.card__link{
  display:inline-flex;align-items:center;gap:8px;font-weight:800;font-size:.92rem;color:var(--gold-2);
}
.card__link i{font-style:normal;transition:transform .25s var(--ease)}
.card__link:hover i{transform:translateX(5px)}

.card--cta{
  display:flex;flex-direction:column;align-items:flex-start;justify-content:center;gap:14px;
  background:linear-gradient(155deg,rgba(255,194,26,.14),rgba(20,14,8,.75));
  border-color:rgba(255,194,26,.32);
}

/* полоса с фактами под блоком банков */
.bank-bar{
  margin-top:26px;padding:24px 30px;border-radius:var(--radius);
  display:flex;align-items:center;justify-content:space-between;gap:26px;flex-wrap:wrap;
  border:1px solid rgba(255,194,26,.28);
  background:linear-gradient(120deg,rgba(255,194,26,.14),rgba(20,14,8,.75));
  backdrop-filter:blur(10px);
}
.bank-bar__facts{display:flex;gap:34px;flex-wrap:wrap}
.bank-bar__facts span{font-size:.94rem;color:#d8ccb9}
.bank-bar__facts b{
  display:block;font-family:var(--display);font-size:1.5rem;letter-spacing:.02em;
  background:linear-gradient(180deg,var(--gold-1),var(--gold-2) 55%,var(--gold-3));
  -webkit-background-clip:text;background-clip:text;color:transparent;
}

/* ============================================================
   ДВУХКОЛОНОЧНЫЕ БЛОКИ
   ============================================================ */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}
.split--rev .split__text{order:2}
.split--rev .split__visual{order:1}
.split__text .h2{margin-bottom:16px}
.split__text .section__lead{margin-bottom:32px}

.features{display:grid;gap:20px;margin-bottom:34px}
.feature{display:flex;gap:16px;align-items:flex-start}
.feature__ico{
  flex-shrink:0;width:46px;height:46px;border-radius:13px;display:grid;place-items:center;font-size:1.25rem;
  background:rgba(255,194,26,.1);border:1px solid var(--line);
}
.feature h4{font-size:1.05rem;margin-bottom:4px}
.feature p{color:var(--muted);font-size:.94rem}

/* телефон с чатом */
.phone{
  width:min(320px,100%);margin-inline:auto;padding:12px;border-radius:38px;
  background:linear-gradient(160deg,#2a2016,#0d0a07);
  border:1px solid rgba(255,194,26,.25);
  box-shadow:0 40px 90px rgba(0,0,0,.7),inset 0 1px 0 rgba(255,220,140,.25),0 0 70px rgba(255,170,20,.12);
}
.phone__top{height:22px;display:grid;place-items:center}
.phone__top span{width:70px;height:6px;border-radius:6px;background:#191209}
.phone__screen{border-radius:28px;background:#0a0705;overflow:hidden;border:1px solid rgba(255,255,255,.05)}

.chat{padding:16px;display:grid;gap:10px}
.chat__head{display:flex;align-items:center;gap:10px;padding-bottom:12px;border-bottom:1px solid rgba(255,255,255,.06);margin-bottom:4px}
.chat__ava{
  width:36px;height:36px;border-radius:50%;display:grid;place-items:center;
  font-family:var(--display);color:#241701;
  background:linear-gradient(160deg,var(--gold-1),var(--gold-3));
}
.chat__head b{display:block;font-size:.92rem}
.chat__head i{font-style:normal;font-size:.74rem;color:#3ddc72}

.msg{
  max-width:85%;padding:10px 14px;border-radius:16px;font-size:.87rem;line-height:1.45;
  animation:msgIn .6s var(--ease) backwards;
}
.msg b{color:var(--gold-2)}
.msg--in{background:#191309;border:1px solid rgba(255,194,26,.14);border-bottom-left-radius:5px}
.msg--out{
  margin-left:auto;color:#2a1a02;border-bottom-right-radius:5px;font-weight:700;
  background:linear-gradient(160deg,var(--gold-1),var(--gold-2) 60%,var(--gold-3));
}
.msg:nth-child(2){animation-delay:.1s}
.msg:nth-child(3){animation-delay:.5s}
.msg:nth-child(4){animation-delay:.9s}
.msg:nth-child(5){animation-delay:1.3s}
@keyframes msgIn{from{opacity:0;transform:translateY(10px) scale(.96)}to{opacity:1;transform:none}}
.code{letter-spacing:.14em}

.chat__type{display:flex;gap:5px;padding:10px 14px;width:fit-content;border-radius:16px;background:#191309;border:1px solid rgba(255,194,26,.14)}
.chat__type span{width:6px;height:6px;border-radius:50%;background:var(--gold-3);animation:typing 1.3s infinite}
.chat__type span:nth-child(2){animation-delay:.2s}
.chat__type span:nth-child(3){animation-delay:.4s}
@keyframes typing{0%,60%,100%{opacity:.3;transform:translateY(0)}30%{opacity:1;transform:translateY(-4px)}}

/* QR-карточка */
.qr-card{
  position:relative;width:min(330px,100%);margin-inline:auto;padding:30px;border-radius:26px;text-align:center;
  background:linear-gradient(160deg,rgba(40,29,17,.9),rgba(12,9,6,.9));
  border:1px solid rgba(255,194,26,.28);
  box-shadow:0 40px 90px rgba(0,0,0,.65),inset 0 1px 0 rgba(255,220,140,.2);
}
.qr-card__glow{
  position:absolute;inset:-30% -20% auto;height:70%;
  background:radial-gradient(circle,rgba(255,190,50,.3),transparent 65%);filter:blur(30px);
}
.qr{position:relative;padding:14px;border-radius:18px;background:#fff;box-shadow:0 0 50px rgba(255,190,50,.35)}
.qr svg{width:100%;height:auto}
.qr-card__cap{position:relative;margin-top:18px;font-size:.9rem;color:var(--muted)}

/* ============================================================
   ПЛИТКИ / ДОВЕРИЕ / ШАГИ
   ============================================================ */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.tile{
  padding:28px 26px;border-radius:var(--radius);border:1px solid var(--line);
  background:var(--card);backdrop-filter:blur(8px);
  transition:transform .35s var(--ease),border-color .3s,background .3s;
}
.tile:hover{transform:translateY(-6px);border-color:rgba(255,194,26,.38);background:var(--card-2)}
.tile b{
  display:block;font-family:var(--display);font-size:1.6rem;margin-bottom:10px;
  background:linear-gradient(180deg,var(--gold-2),var(--gold-4));
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.tile h4{font-size:1.1rem;margin-bottom:8px}
.tile p{color:var(--muted);font-size:.94rem}

.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.trust__item{
  padding:32px 26px;border-radius:var(--radius);text-align:center;
  border:1px solid var(--line);
  background:linear-gradient(180deg,rgba(255,194,26,.07),rgba(18,13,8,.7));
  transition:transform .35s var(--ease),box-shadow .35s;
}
.trust__item:hover{transform:translateY(-8px);box-shadow:0 26px 60px rgba(0,0,0,.5)}
.trust__num{
  display:block;font-family:var(--display);font-size:3rem;line-height:1;margin-bottom:12px;
  background:linear-gradient(180deg,#fff6c9,var(--gold-2) 55%,var(--gold-4));
  -webkit-background-clip:text;background-clip:text;color:transparent;
  filter:drop-shadow(0 3px 0 rgba(120,58,0,.5));
}
.trust__item h4{margin-bottom:10px;text-transform:uppercase;letter-spacing:.08em;font-size:.86rem;color:var(--gold-2)}
.trust__item p{color:var(--muted);font-size:.92rem}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;position:relative}
.steps::before{
  content:'';position:absolute;left:8%;right:8%;top:34px;height:2px;
  background:linear-gradient(90deg,transparent,rgba(255,194,26,.35),transparent);
}
.step{position:relative;padding:0 12px;text-align:center}
.step__n{
  width:66px;height:66px;margin:0 auto 20px;border-radius:50%;display:grid;place-items:center;
  font-family:var(--display);font-size:1.7rem;color:#241701;
  background:linear-gradient(160deg,var(--gold-1),var(--gold-2) 45%,var(--gold-3));
  box-shadow:0 10px 30px rgba(255,170,20,.35),inset 0 1px 0 rgba(255,255,255,.6);
  border:5px solid var(--bg);
}
.step h4{font-size:1.06rem;margin-bottom:8px}
.step p{color:var(--muted);font-size:.93rem}

/* ============================================================
   FAQ
   ============================================================ */
.faq{display:grid;gap:12px}
.faq__item{
  border:1px solid var(--line);border-radius:var(--radius-sm);
  background:var(--card);backdrop-filter:blur(8px);overflow:hidden;
  transition:border-color .3s,background .3s;
}
.faq__item[open]{border-color:rgba(255,194,26,.38);background:var(--card-2)}
.faq__item summary{
  list-style:none;cursor:pointer;padding:20px 60px 20px 24px;position:relative;
  font-weight:700;font-size:1.03rem;
}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary i{
  position:absolute;right:22px;top:50%;translate:0 -50%;width:20px;height:20px;
}
.faq__item summary i::before,.faq__item summary i::after{
  content:'';position:absolute;left:50%;top:50%;background:var(--gold-2);border-radius:2px;
  translate:-50% -50%;transition:transform .3s var(--ease);
}
.faq__item summary i::before{width:14px;height:2px}
.faq__item summary i::after{width:2px;height:14px}
.faq__item[open] summary i::after{transform:rotate(90deg) scaleX(0)}
.faq__body{padding:0 24px 22px;color:var(--muted);font-size:.97rem}
.faq__body a{color:var(--gold-2);font-weight:700}

/* ============================================================
   CTA + FOOTER
   ============================================================ */
.cta{padding:110px 0;text-align:center;position:relative}
.cta::before{
  content:'';position:absolute;inset:0;z-index:-1;
  background:radial-gradient(60% 100% at 50% 100%,rgba(255,180,40,.16),transparent 70%);
}
.cta__title{display:flex;flex-direction:column;align-items:center;margin-bottom:16px}
.cta p{color:var(--muted);font-size:1.06rem}
.cta__btns{margin:32px 0 18px;display:flex;justify-content:center}
.cta__note{font-size:.86rem !important;color:#8b7f6e !important;letter-spacing:.04em}

.footer{border-top:1px solid var(--line);padding:44px 0 30px;background:rgba(8,6,4,.7)}
.footer__inner{display:flex;align-items:center;justify-content:space-between;gap:26px;flex-wrap:wrap}
.footer__nav{display:flex;gap:22px;flex-wrap:wrap}
.footer__nav a{font-size:.92rem;color:#b3a591;transition:color .25s}
.footer__nav a:hover{color:var(--gold-2)}
.footer__contacts{display:flex;gap:10px;flex-wrap:wrap}
.footer__tg{
  font-weight:800;color:var(--gold-2);padding:10px 20px;border-radius:11px;
  border:1px solid var(--line);background:rgba(255,194,26,.07);transition:.25s var(--ease);
  font-size:.92rem;
}
.footer__tg:hover{background:rgba(255,194,26,.16);transform:translateY(-2px)}
.footer__tg--alt{color:#b3a591}
.footer__tg--alt:hover{color:var(--gold-2)}
.footer__bottom{
  display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;
  margin-top:26px;padding-top:22px;border-top:1px solid rgba(255,255,255,.05);
  font-size:.82rem;color:#7d7263;
}

/* плавающая кнопка TG */
.float-tg{
  position:fixed;right:22px;bottom:22px;z-index:70;
  width:58px;height:58px;border-radius:50%;display:grid;place-items:center;
  background:linear-gradient(160deg,var(--gold-1),var(--gold-2) 45%,var(--gold-3));
  box-shadow:0 12px 34px rgba(255,170,20,.4);
  transition:transform .3s var(--ease);
}
.float-tg svg{width:26px;height:26px;fill:#241701;margin-right:2px}
.float-tg:hover{transform:scale(1.1) translateY(-3px)}
.float-tg::after{
  content:'';position:absolute;inset:0;border-radius:50%;border:2px solid rgba(255,194,26,.5);
  animation:ring 2.4s ease-out infinite;
}
@keyframes ring{0%{transform:scale(1);opacity:.8}100%{transform:scale(1.5);opacity:0}}

/* ============================================================
   ПОЯВЛЕНИЕ ПРИ СКРОЛЛЕ
   ============================================================ */
/* прячем только если JS реально работает — иначе контент виден всегда */
.js .reveal{opacity:0;transform:translateY(28px)}
.reveal{transition:opacity .8s var(--ease),transform .8s var(--ease)}
.reveal.is-in{opacity:1;transform:none}
.reveal[data-delay="1"]{transition-delay:.08s}
.reveal[data-delay="2"]{transition-delay:.16s}
.reveal[data-delay="3"]{transition-delay:.24s}
.reveal[data-delay="4"]{transition-delay:.32s}
.reveal[data-delay="5"]{transition-delay:.4s}
.reveal[data-delay="6"]{transition-delay:.48s}

/* ============================================================
   АДАПТИВ
   ============================================================ */
@media (max-width:1024px){
  .cards,.cards--4,.grid-3{grid-template-columns:repeat(2,1fr)}
  .bank-bar{justify-content:center;text-align:center}
  .bank-bar__facts{justify-content:center;gap:24px}
  .trust,.steps{grid-template-columns:repeat(2,1fr)}
  .steps::before{display:none}
  .split{gap:44px}
}

@media (max-width:860px){
  .burger{display:block}
  .nav{
    position:fixed;inset:78px 0 auto;flex-direction:column;align-items:stretch;gap:0;
    padding:14px 22px 26px;
    background:rgba(9,7,5,.97);backdrop-filter:blur(18px);
    border-bottom:1px solid var(--line);
    transform:translateY(-140%);transition:transform .45s var(--ease);
    max-height:calc(100svh - 78px);overflow-y:auto;
  }
  .nav.is-open{transform:none}
  .nav a{padding:15px 0;border-bottom:1px solid rgba(255,255,255,.05);font-size:1rem}
  .nav__cta{margin-top:16px;border-bottom:0;justify-content:center}

  .section{padding:80px 0}
  .split,.split--rev{grid-template-columns:1fr}
  .split--rev .split__text{order:1}
  .split--rev .split__visual{order:2}
  .floater--sim,.floater--bubble{display:none}
}

@media (max-width:640px){
  .cards,.cards--4,.grid-3,.trust,.steps{grid-template-columns:1fr}
  .bank-bar{padding:22px 20px}
  .bank-bar__facts{flex-direction:column;gap:14px}
  .hero{padding-top:112px}
  .hero__stats li{width:100%;min-width:0}
  .btn{width:100%}
  .hero__actions .btn{width:100%}
  .badge{font-size:.75rem;padding:8px 14px}
  .footer__inner{justify-content:center;text-align:center}
  .footer__bottom{justify-content:center;text-align:center}
  .floaters{display:none}
  .section__head{margin-bottom:38px}
}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none !important;transition-duration:.01ms !important}
  .reveal{opacity:1;transform:none}
}