/* Лендинг «Кредитная нагрузка» — тест, Claude 08.10.2026. Без внешних зависимостей. */
:root{--ink:#1a3577;--muted:#5b6475;--bg:#f4f6fb;--card:#fff;--acc:#1a3577;--acc2:#122659;--hi:#f0b429;--line:#e3e6ee;--warn:#fff4d6;--r:14px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.5 -apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);padding-bottom:0}
a{color:var(--acc)}
.wrap{max-width:1120px;margin:0 auto;padding:0 18px}
.test-flag{background:#c1121f;color:#fff;text-align:center;font-size:13px;padding:4px}
header.top{background:#fff;border-bottom:1px solid var(--line)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:10px;padding-bottom:10px}
.logo{font-weight:800;font-size:18px;line-height:1.1;color:var(--ink);text-decoration:none}
.logo small{display:block;font-weight:400;font-size:12px;color:var(--muted)}
.top-right{display:flex;align-items:center;gap:14px;font-size:14px}
.top-right .addr{color:var(--muted)}
.phone{font-weight:700;font-size:18px;color:var(--ink);text-decoration:none;white-space:nowrap}
@media(max-width:720px){.top-right .addr{display:none}.phone{font-size:16px}}
.hero{background:linear-gradient(135deg,#122659,#1a3577 60%,#23459a);color:#fff;padding:42px 0 46px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:34px;align-items:center}
@media(max-width:900px){.hero .wrap{grid-template-columns:1fr}.hero{padding:26px 0 30px}}
.hero h1{font-size:40px;line-height:1.12;margin:0 0 14px}
@media(max-width:600px){.hero h1{font-size:28px}}
.hero .lead{font-size:19px;opacity:.93;margin:0 0 18px}
.ticks{list-style:none;padding:0;margin:0 0 20px}
.ticks li{padding-left:30px;position:relative;margin:7px 0}
.ticks li:before{content:"✓";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;background:var(--hi);color:#122659;font-weight:800;font-size:13px;display:flex;align-items:center;justify-content:center}
.facts{display:flex;flex-wrap:wrap;gap:18px;margin-top:8px}
.facts div{font-size:13px;opacity:.9}
.facts b{display:block;font-size:22px;color:var(--hi)}
.btn{display:inline-block;border:0;border-radius:10px;background:var(--hi);color:#122659;font-weight:800;font-size:17px;padding:15px 24px;cursor:pointer;text-decoration:none;text-align:center}
.btn:hover{filter:brightness(.95)}
.btn.green{background:var(--acc);color:#fff}
.btn.ghost{background:transparent;border:2px solid var(--line);color:var(--ink);font-weight:600}
.btn.block{display:block;width:100%}
.card{background:var(--card);color:var(--ink);border-radius:var(--r);padding:22px;box-shadow:0 10px 30px rgba(10,20,40,.18)}
section{padding:46px 0}
section h2{font-size:30px;line-height:1.2;margin:0 0 10px}
@media(max-width:600px){section h2{font-size:24px}section{padding:32px 0}}
.sub{color:var(--muted);margin:0 0 24px;font-size:17px}
.grid{display:grid;gap:16px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.g2,.g3,.g4{grid-template-columns:1fr}}
.box{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px}
.box h3{margin:0 0 6px;font-size:18px}
.box p{margin:0;color:var(--muted)}
.num{width:34px;height:34px;border-radius:50%;background:var(--acc);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:10px}
.white{background:#fff}
.opt{border-left:4px solid var(--acc)}
.opt .tag{display:inline-block;font-size:12px;background:#e8edf8;color:var(--acc2);border-radius:20px;padding:2px 10px;margin-bottom:8px}
/* квиз */
.quiz h3{margin:0 0 4px;font-size:20px}
.quiz .bar{height:6px;background:var(--line);border-radius:3px;margin:10px 0 16px;overflow:hidden}
.quiz .bar i{display:block;height:100%;width:0;background:var(--acc);transition:width .25s}
.quiz .step{display:none}.quiz .step.on{display:block}
.quiz .q{font-weight:700;margin:0 0 12px;font-size:17px}
.choices{display:grid;gap:8px}
.choices label{display:flex;align-items:center;gap:10px;border:1.5px solid var(--line);border-radius:10px;padding:11px 12px;cursor:pointer;font-size:15px}
.choices label:hover{border-color:var(--acc)}
.choices input{accent-color:var(--acc);width:18px;height:18px;margin:0}
.choices label.sel{border-color:var(--acc);background:#eef1fa}
.nav{display:flex;justify-content:space-between;gap:10px;margin-top:14px}
.field{display:block;margin:0 0 10px}
.field span{display:block;font-size:13px;color:var(--muted);margin-bottom:3px}
.field input,.field select{width:100%;font:inherit;padding:12px;border:1.5px solid var(--line);border-radius:10px;background:#fff}
.field input:focus,.field select:focus{outline:0;border-color:var(--acc)}
.agree{display:flex;gap:8px;font-size:12px;color:var(--muted);margin:6px 0;align-items:flex-start}
.agree input{margin-top:2px}
.err{color:#c1121f;font-size:13px;min-height:18px}
.done{text-align:center;padding:20px 6px}
.done b{font-size:22px;display:block;margin-bottom:8px}
.small{font-size:13px;color:var(--muted)}
.hp{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}
/* отзывы */
.rev p{color:var(--ink);font-size:15px}
.rev .who{margin-top:10px;font-weight:700;font-size:14px}
.rev .src{font-weight:400;color:var(--muted)}
/* FAQ */
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px}
summary{font-weight:700;cursor:pointer}
details p{color:var(--muted);margin:10px 0 0}
.cta-band{background:var(--acc);color:#fff;border-radius:var(--r);padding:28px;display:flex;flex-wrap:wrap;gap:16px;align-items:center;justify-content:space-between}
.cta-band h3{margin:0;font-size:22px}
footer{background:#122659;color:#c9d3e3;font-size:13px;padding:28px 0 20px}
footer a{color:#fff}
.placeholder{background:#ffe08a;color:#5a3d00;border:2px dashed #b8860b;border-radius:6px;padding:2px 6px;font-weight:700}
/* предупреждение ст. 28.1: закреплено внизу, ≥ 8 % высоты экрана — всегда ≥ 7 % видимой площади */
.warn28{position:fixed;left:0;right:0;bottom:0;z-index:50;min-height:9vh;background:var(--warn);border-top:2px solid #e0b100;color:#3d2e00;display:flex;align-items:center;justify-content:center;text-align:center;font-size:clamp(12px,1.6vw,16px);line-height:1.3;padding:6px 12px;font-weight:600}
.warn-block{background:var(--warn);border:2px solid #e0b100;border-radius:var(--r);padding:22px;font-size:18px;font-weight:700;color:#3d2e00;text-align:center}
.sticky-cta{display:none}
@media(max-width:600px){.sticky-cta{display:flex;position:fixed;left:10px;right:10px;bottom:10px;z-index:49;gap:8px}.sticky-cta a{flex:1;padding:12px 8px;font-size:15px}}
.slots{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.slots label{justify-content:center;padding:9px 6px}
@media(max-width:420px){.slots{grid-template-columns:repeat(2,1fr)}}

/* мобильные: колонки сетки не шире экрана, мессенджеры в 2 колонки */
.hero .wrap>*{min-width:0}
@media(max-width:600px){.choices[style*="repeat(4"]{grid-template-columns:1fr 1fr!important}}
/* фирменный стиль ПЗиП 08.10: логотип, мессенджеры */
.logo img{height:46px;display:block}
.logo small{margin-top:2px}
.msg-row{display:flex;flex-wrap:wrap;gap:10px;margin:14px 0 6px}
.btn.msg{background:#fff;color:var(--ink);border:2px solid #fff;font-size:15px;padding:11px 16px}
.btn.msg.max{background:#7b3fe4;color:#fff;border-color:#7b3fe4}
.btn.msg.tg{background:#2aabee;color:#fff;border-color:#2aabee}
.hero .msg-note{font-size:13px;opacity:.85;margin:0 0 10px}
.founder{display:grid;grid-template-columns:300px 1fr;gap:32px;align-items:center;background:linear-gradient(135deg,#122659,#1a3577);color:#fff;border-radius:var(--r);padding:32px}
.founder img{width:100%;border-radius:12px;display:block}
.founder h2{margin:0 0 4px;font-size:28px}
.founder .role{color:var(--hi);font-weight:700;margin:0 0 14px}
.founder .quote{font-size:18px;line-height:1.5;margin:0 0 18px;opacity:.95}
@media(max-width:720px){.founder{grid-template-columns:1fr;padding:22px}.founder img{max-width:240px;margin:0 auto}}
.hero .pre{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);border-radius:20px;padding:4px 12px;font-size:13px;margin-bottom:12px}