:root {
  --navy: #223A50;
  --navy-dark: #15263A;
  --navy-deep: #1C3246;
  --footer: #1A2E40;
  --gold: #D4AF37;
  --gold-light: #E0BE4E;
  --ink: #16202B;
  --muted: #4A5968;
  --muted-2: #5F6D7A;
  --line: #E1E6EB;
  --line-soft: #E6EAEE;
  --field: #D8DEE4;
  --surface: #F7F8FA;
  --chip: #F0F2F5;
  --hover: #F4F6F8;
  --on-navy: #C9D5E0;
  --error: #B3261E;
  --header-h: 66px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: Manrope, ui-sans-serif, system-ui, sans-serif; background: #fff; color: var(--ink); -webkit-font-smoothing: antialiased; }
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--navy-dark); }
input, textarea, button { font: inherit; color: inherit; }
input:focus-visible, textarea:focus-visible, button:focus-visible, a:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }
::placeholder { color: #8C98A5; }
svg { display: block; }
h1, h2, h3, p { margin: 0; }
[hidden] { display: none !important; }
@keyframes rise { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: translateY(0); } }

.page { min-width: 0; overflow-x: hidden; }
.container { max-width: 1180px; margin: 0 auto; }
.section { padding: clamp(44px, 6vw, 88px) 20px; scroll-margin-top: var(--header-h); }
.section--alt { background: var(--surface); border-top: 1px solid var(--line-soft); border-bottom: 1px solid var(--line-soft); }
.h2 { font-size: clamp(26px, 3.3vw, 40px); line-height: 1.1; letter-spacing: -0.032em; font-weight: 800; color: var(--navy); }

.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: 12.5px; font-weight: 800; letter-spacing: 0.14em; color: var(--navy); text-transform: uppercase; }
.eyebrow::before { content: ""; width: 18px; height: 2px; background: var(--gold); }
.eyebrow--gold { color: var(--gold); }
.eyebrow--sm { font-size: 11.5px; letter-spacing: 0.12em; color: var(--muted); }
.eyebrow--sm::before { width: 14px; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; border: 0; cursor: pointer; font-weight: 700; transition: background 140ms ease; }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-dark); }
.btn-outline { background: #fff; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-outline:hover { background: var(--hover); }
.btn-gold { background: var(--gold); color: var(--navy); font-weight: 800; }
.btn-gold:hover { background: var(--gold-light); }
.btn-md { min-height: 48px; padding: 0 22px; border-radius: 11px; font-size: 15px; }
.btn-lg { min-height: 54px; padding: 0 28px; border-radius: 12px; font-size: 16.5px; }
.btn-block { width: 100%; }
.section-cta { margin-top: 22px; }

/* Header */
.header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,0.92); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border-bottom: 1px solid var(--line-soft); }
.header__bar { max-width: 1180px; margin: 0 auto; padding: 0 20px; height: var(--header-h); display: flex; align-items: center; gap: 28px; }
.logo { display: flex; align-items: center; gap: 10px; flex: 0 0 auto; }
.logo img { display: block; height: 34px; width: auto; }
.nav { display: flex; gap: 24px; margin-left: auto; }
.nav a { font-size: 14px; font-weight: 600; color: var(--muted); }
.nav a:hover { color: var(--navy); }
.header__cta { flex: 0 0 auto; min-height: 44px; padding: 0 18px; border-radius: 10px; font-size: 14.5px; }
.menu-btn { display: none; margin-left: auto; flex: 0 0 auto; width: 44px; height: 44px; border: 1px solid var(--line); border-radius: 10px; background: #fff; cursor: pointer; place-items: center; }
.menu-btn:hover { background: var(--hover); }
.mobile-menu { border-top: 1px solid var(--line-soft); background: #fff; padding: 6px 20px 16px; }
.mobile-menu a { display: flex; align-items: center; min-height: 48px; font-size: 15.5px; font-weight: 600; color: var(--navy); border-bottom: 1px solid var(--chip); }
.mobile-menu a:last-of-type { border-bottom: 0; }
.mobile-menu .btn { margin-top: 12px; min-height: 48px; border-radius: 11px; font-size: 15px; }

/* Hero */
.hero { padding: clamp(32px, 4.5vw, 72px) 20px clamp(40px, 5.5vw, 80px); background: var(--surface); border-bottom: 1px solid var(--line-soft); }
.hero__grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(330px, 100%), 1fr)); gap: clamp(32px, 4vw, 60px); align-items: center; }
.hero__copy { min-width: 0; animation: rise 0.5s ease both; }
.hero h1 { margin-top: 14px; font-size: clamp(33px, 4.6vw, 56px); line-height: 1.05; letter-spacing: -0.035em; font-weight: 800; color: var(--navy); text-wrap: balance; }
.hero__lead { margin-top: 16px; max-width: 48ch; font-size: clamp(16px, 1.15vw, 18px); line-height: 1.55; color: var(--muted); text-wrap: pretty; }
.stats { margin-top: 26px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; max-width: 560px; }
.stat { min-width: 0; padding: 12px; background: #fff; border: 1px solid var(--line); border-radius: 12px; }
.stat__value { font-size: clamp(16px, 4.4vw, 20px); font-weight: 800; letter-spacing: -0.03em; color: var(--navy); white-space: nowrap; }
.stat__label { margin-top: 3px; font-size: 12.5px; font-weight: 600; color: var(--muted); }
.stat--accent { background: var(--navy); border-color: var(--navy); }
.stat--accent .stat__value { color: var(--gold); }
.stat--accent .stat__label { color: #D5DEE7; }
.hero__actions { margin-top: 26px; display: flex; flex-wrap: wrap; align-items: center; gap: 10px 22px; }
.hero__actions .btn { box-shadow: 0 8px 22px rgba(34,58,80,0.22); }
.hero__actions .arrow { color: var(--gold); }
.link-underline { display: inline-flex; align-items: center; min-height: 44px; font-size: 14.5px; font-weight: 700; color: var(--navy); border-bottom: 1px solid var(--gold); }
.hero__aside { min-width: 0; animation: rise 0.6s 0.08s ease both; }
.hero__cards { position: relative; max-width: 470px; margin: 0 auto; display: grid; gap: 14px; }
.hero__ring { position: absolute; top: -40px; right: -90px; width: 320px; height: 320px; border-radius: 50%; border: 1px solid rgba(212,175,55,0.35); pointer-events: none; }
.who-card { position: relative; padding: clamp(22px, 2.6vw, 30px); background: #fff; border: 1px solid var(--line-soft); border-radius: 20px; box-shadow: 0 26px 60px rgba(34,58,80,0.10); }
.who-card p { margin-top: 14px; font-size: clamp(17px, 1.5vw, 19px); line-height: 1.5; font-weight: 600; letter-spacing: -0.01em; color: var(--navy); text-wrap: pretty; }
.note-card { position: relative; padding: 18px 20px; background: var(--navy); border-radius: 16px; color: #fff; display: flex; gap: 14px; align-items: flex-start; box-shadow: 0 16px 36px rgba(34,58,80,0.18); }
.note-card__icon { flex: 0 0 auto; width: 36px; height: 36px; border-radius: 10px; border: 1.5px solid var(--gold); color: var(--gold); display: grid; place-items: center; }
.note-card__title { font-size: 16px; font-weight: 800; letter-spacing: -0.015em; }
.note-card p { margin-top: 6px; font-size: 14.5px; line-height: 1.55; color: var(--on-navy); }

/* Services */
.services__grid { margin-top: 28px; display: grid; grid-template-columns: repeat(auto-fill, minmax(min(160px, 45%), 1fr)); gap: 12px; }
.service { padding: 18px; border: 1px solid var(--line); border-radius: 14px; background: #fff; transition: border-color 160ms ease; }
.service:hover { border-color: var(--gold); }
.icon-tile { display: grid; place-items: center; width: 36px; height: 36px; border-radius: 10px; background: var(--navy); color: var(--gold); }
.service h3 { margin-top: 13px; font-size: 16px; font-weight: 800; letter-spacing: -0.02em; color: var(--navy); }
.service p { margin-top: 5px; font-size: 14px; line-height: 1.45; color: var(--muted); }
.extras { margin-top: 18px; padding: 16px 18px; border: 1px dashed #CBD3DB; border-radius: 14px; background: var(--surface); display: flex; flex-wrap: wrap; gap: 12px 20px; align-items: center; }
.extras__title { flex: 0 0 auto; font-size: 14px; font-weight: 800; color: var(--navy); }
.extras__list { flex: 1 1 300px; min-width: 0; display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: 14px; font-weight: 600; color: var(--muted); }

/* Direct accountant */
.direct { background: var(--navy); color: #fff; }
.direct__intro { max-width: 720px; }
.direct h2 { margin-top: 12px; font-size: clamp(27px, 3.4vw, 42px); line-height: 1.08; letter-spacing: -0.033em; font-weight: 800; color: #fff; text-wrap: balance; }
.direct__intro p { margin-top: 12px; font-size: 16.5px; line-height: 1.5; color: var(--on-navy); }
.direct__grid { margin-top: 32px; display: grid; grid-template-columns: repeat(auto-fit, minmax(min(310px, 100%), 1fr)); gap: 18px; align-items: stretch; }
.direct__col { min-width: 0; display: grid; gap: 12px; align-content: start; }
.flow { padding: 18px; border-radius: 14px; border: 1px solid #36506A; background: var(--navy-deep); }
.flow--ours { border: 1.5px solid var(--gold); }
.flow__label { font-size: 11.5px; font-weight: 800; letter-spacing: 0.1em; color: #AFC0D0; }
.flow--ours .flow__label { color: var(--gold); }
.flow__steps { margin-top: 12px; display: flex; flex-wrap: wrap; align-items: center; gap: 6px; }
.flow__step { padding: 8px 12px; border-radius: 9px; background: #2B455E; font-size: 13.5px; font-weight: 700; color: #DCE5EE; }
.flow__arrow { color: #6E859B; }
.flow--ours .flow__steps { gap: 10px; }
.flow--ours .flow__step { padding: 10px 18px; border-radius: 10px; background: #fff; font-size: 15px; font-weight: 800; color: var(--navy); }
.flow--ours .flow__step--gold { background: var(--gold); }
.flow--ours .flow__arrow { color: var(--gold); font-size: 18px; font-weight: 800; }
.mini-stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 12px; }
.mini-stat { padding: 16px; border-radius: 14px; background: var(--navy-deep); border: 1px solid #36506A; }
.mini-stat__value { font-size: 22px; font-weight: 800; letter-spacing: -0.03em; color: var(--gold); }
.mini-stat__value--text { font-size: 17px; letter-spacing: -0.02em; color: #fff; line-height: 1.3; }
.mini-stat__label { margin-top: 4px; font-size: 13.5px; font-weight: 600; color: var(--on-navy); }
.chat { min-width: 0; background: #fff; border-radius: 18px; overflow: hidden; box-shadow: 0 22px 50px rgba(0,0,0,0.25); display: flex; flex-direction: column; }
.chat__head { display: flex; align-items: center; gap: 11px; padding: 14px 18px; border-bottom: 1px solid #EDF0F3; }
.avatar { width: 34px; height: 34px; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-size: 13px; font-weight: 800; flex: 0 0 auto; }
.chat__name { font-size: 14.5px; font-weight: 800; color: var(--navy); }
.chat__role { font-size: 12px; font-weight: 600; color: var(--muted); }
.chat__body { flex: 1 1 auto; padding: 18px; display: grid; gap: 12px; align-content: start; background: var(--surface); }
.chat__day { justify-self: center; font-size: 11.5px; font-weight: 700; color: #6B7886; }
.chat__row { display: flex; justify-content: flex-end; }
.chat__row--in { justify-content: flex-start; }
.bubble { max-width: 80%; padding: 12px 15px; border-radius: 15px 15px 4px 15px; background: var(--navy); color: #fff; font-size: 15px; line-height: 1.45; font-weight: 600; }
.bubble--in { border-radius: 15px 15px 15px 4px; background: #fff; border: 1px solid var(--line); color: var(--navy); }
.attachment { display: flex; align-items: center; gap: 9px; padding: 10px 13px; border-radius: 12px; background: #fff; border: 1px solid var(--line); }
.attachment__icon { width: 30px; height: 36px; border-radius: 5px; background: #F3E9C8; color: #6E5A12; display: grid; place-items: center; font-size: 9.5px; font-weight: 800; }
.attachment__name { font-size: 13px; font-weight: 700; color: var(--navy); }
.chat__foot { padding: 12px 16px; border-top: 1px solid #EDF0F3; display: flex; align-items: center; gap: 10px; }
.chat__input { flex: 1 1 auto; min-height: 40px; display: flex; align-items: center; padding: 0 13px; border: 1px solid var(--line); border-radius: 10px; font-size: 13.5px; color: #8C98A5; }
.chat__send { flex: 0 0 auto; width: 40px; height: 40px; border-radius: 10px; background: var(--gold); color: var(--navy); display: grid; place-items: center; font-size: 15px; font-weight: 800; }
.direct .section-cta { margin-top: 28px; min-height: 52px; padding: 0 26px; border-radius: 12px; font-size: 16px; white-space: nowrap; }

/* Pricing */
.pricing__grid { margin-top: 28px; display: grid; grid-template-columns: repeat(auto-fit, minmax(min(310px, 100%), 1fr)); gap: 16px; align-items: stretch; }
.price-card { min-width: 0; padding: clamp(22px, 2.6vw, 32px); border-radius: 18px; background: var(--surface); border: 1px solid var(--line); display: flex; flex-direction: column; }
.price-card__from { font-size: 15px; font-weight: 700; color: var(--muted); }
.price-card__row { margin-top: 6px; display: flex; flex-wrap: wrap; align-items: flex-end; gap: 8px 12px; }
.price-card__amount { font-size: clamp(56px, 7vw, 84px); line-height: 0.9; font-weight: 800; letter-spacing: -0.045em; color: var(--navy); }
.price-card__unit { padding-bottom: 6px; font-size: 16px; font-weight: 700; color: var(--muted); }
.gold-rule { margin-top: 16px; width: 44px; height: 3px; border-radius: 2px; background: var(--gold); }
.price-card p { margin-top: 16px; max-width: 48ch; font-size: 16px; line-height: 1.6; color: var(--muted); }
.price-card__badge-wrap { margin-top: auto; padding-top: 22px; }
.badge { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; background: var(--navy); color: #fff; font-size: 12.5px; font-weight: 800; letter-spacing: 0.06em; }
.badge::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--gold); }
.about-card { min-width: 0; padding: clamp(22px, 2.6vw, 32px); border-radius: 18px; border: 1px solid var(--line); background: #fff; box-shadow: 0 10px 30px rgba(34,58,80,0.06); display: flex; flex-direction: column; }
.about-card h3 { font-size: 20px; font-weight: 800; letter-spacing: -0.025em; color: var(--navy); }
.about-card .field { margin-top: 20px; gap: 7px; }
.about-card .field__label { font-size: 13.5px; }
.about-card input { min-height: 50px; }
.about-card__submit { margin-top: auto; padding-top: 20px; }
.about-card__submit .btn { min-height: 52px; border-radius: 12px; font-size: 16px; }

/* Form fields */
.field { display: grid; gap: 6px; }
.field__label { font-size: 13px; font-weight: 700; color: var(--navy); }
.field input, .field textarea { min-height: 48px; padding: 0 14px; border-radius: 10px; border: 1px solid var(--field); font-size: 16px; background: #fff; width: 100%; }
.field textarea { padding: 12px 14px; line-height: 1.5; resize: vertical; }
.field.is-invalid input { border-color: var(--error); }
.field__error { display: none; font-size: 12.5px; font-weight: 600; color: var(--error); }
.field.is-invalid .field__error { display: block; }

/* Steps */
.steps { margin-top: 28px; display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 14px; }
.step { display: flex; gap: 16px; padding: 20px; background: #fff; border: 1px solid var(--line); border-radius: 16px; }
.step__marker { flex: 0 0 auto; display: flex; flex-direction: column; align-items: center; }
.step__num { width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-size: 14px; font-weight: 800; }
.step__num--gold { background: var(--gold); color: var(--navy); }
.step__rail { display: none; flex: 1 1 auto; width: 2px; min-height: 24px; background: var(--field); margin-top: 6px; }
.step__body { min-width: 0; }
.step h3 { margin-top: 8px; font-size: 17px; font-weight: 800; letter-spacing: -0.02em; color: var(--navy); }
.step p { margin-top: 5px; font-size: 14.5px; line-height: 1.5; color: var(--muted); }
.switch { margin-top: 18px; padding: clamp(18px, 2.2vw, 24px); border-radius: 16px; background: #fff; border: 1px solid var(--line); display: grid; grid-template-columns: repeat(auto-fit, minmax(min(290px, 100%), 1fr)); gap: 18px 32px; align-items: center; }
.switch h3 { font-size: 17px; font-weight: 800; letter-spacing: -0.02em; color: var(--navy); }
.switch p { margin-top: 6px; font-size: 14.5px; line-height: 1.55; color: var(--muted); }
.switch__flow { min-width: 0; display: flex; flex-wrap: wrap; align-items: center; gap: 6px; }
.chip { padding: 8px 12px; border-radius: 9px; background: var(--chip); font-size: 13px; font-weight: 700; color: var(--navy); }
.chip--muted { color: var(--muted); }
.chip--dark { background: var(--navy); color: #fff; font-weight: 800; }
.chip-arrow { color: #9AA6B2; font-weight: 700; }
.chip-arrow--gold { color: var(--gold); font-weight: 800; }

/* Reviews + form */
.reviews__grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(320px, 100%), 1fr)); gap: clamp(24px, 3.5vw, 48px); align-items: start; }
.reviews__col { min-width: 0; display: grid; gap: 14px; }
.marketplace { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 20px; padding: 16px 20px; border: 1px solid var(--line); border-radius: 16px; background: #fff; box-shadow: 0 8px 24px rgba(34,58,80,0.05); }
.marketplace:hover { border-color: #CBD3DB; }
.marketplace img { flex: 0 0 auto; width: 190px; max-width: 100%; height: auto; margin: -8px -10px; }
.marketplace__text { flex: 1 1 200px; min-width: 0; padding-left: 16px; border-left: 2px solid var(--gold); }
.marketplace__title { font-size: 15px; font-weight: 800; line-height: 1.35; color: var(--navy); }
.marketplace__sub { margin-top: 4px; font-size: 13px; font-weight: 500; line-height: 1.45; color: var(--muted); }
.reviews__head { display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; padding-top: 6px; }
.reviews__head h2 { font-size: clamp(22px, 2.4vw, 28px); line-height: 1.15; letter-spacing: -0.025em; font-weight: 800; color: var(--navy); }
.rating { display: inline-flex; align-items: center; gap: 8px; min-height: 36px; font-size: 13.5px; font-weight: 700; color: var(--navy); }
.rating__score { font-size: 18px; font-weight: 800; letter-spacing: -0.02em; }
.stars { color: var(--gold); letter-spacing: 1px; }
.rating__link { color: var(--muted); font-weight: 600; border-bottom: 1px solid var(--gold); }
.review { padding: 22px; border: 1px solid var(--line); border-radius: 16px; background: #fff; box-shadow: 0 10px 30px rgba(34,58,80,0.06); display: flex; flex-direction: column; min-height: 250px; }
.review__top { display: flex; align-items: center; justify-content: space-between; gap: 10px; }
.review__stars { font-size: 15px; letter-spacing: 2px; color: var(--gold); }
.review__date { font-size: 12px; font-weight: 600; color: var(--muted-2); }
.review__text { margin-top: 14px; font-size: 16px; line-height: 1.6; color: var(--navy); text-wrap: pretty; }
.review__foot { margin-top: auto; padding-top: 16px; display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.review__author { display: flex; align-items: center; gap: 10px; }
.review__author .avatar { background: #EEF2F6; color: var(--navy); }
.review__name { font-size: 14px; font-weight: 700; color: var(--navy); }
.review__verified { font-size: 12px; font-weight: 500; color: var(--muted-2); }
.review__nav { display: flex; align-items: center; gap: 8px; }
.round-btn { width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--field); background: #fff; color: var(--navy); font-size: 17px; font-weight: 700; cursor: pointer; display: grid; place-items: center; }
.round-btn:hover { border-color: var(--navy); background: var(--hover); }
.round-btn--dark { border: 0; background: var(--navy); color: var(--gold); }
.round-btn--dark:hover { background: var(--navy-dark); }
.review__counter { min-width: 40px; text-align: center; font-size: 13px; font-weight: 700; color: var(--muted); }
.dots { display: flex; justify-content: center; gap: 6px; }
.dot { width: 28px; height: 28px; padding: 0; border: 0; background: transparent; cursor: pointer; display: grid; place-items: center; }
.dot span { width: 6px; height: 6px; border-radius: 3px; background: #CBD3DB; transition: width 200ms ease; }
.dot[aria-current="true"] span { width: 22px; background: var(--navy); }

.quote { min-width: 0; scroll-margin-top: 84px; padding: clamp(20px, 2.4vw, 28px); border-radius: 18px; background: #fff; border: 1px solid var(--line); border-top: 3px solid var(--gold); box-shadow: 0 20px 50px rgba(34,58,80,0.10); }
.quote h2 { font-size: clamp(22px, 2.4vw, 26px); font-weight: 800; letter-spacing: -0.025em; color: var(--navy); }
.quote__fields { margin-top: 18px; display: grid; gap: 12px; }
.quote__submit { min-height: 54px; border-radius: 12px; font-size: 16px; }
.quote__submit:disabled { opacity: 0.65; cursor: default; }
.quote__error { padding: 10px 14px; border-radius: 10px; background: #FCEEEE; border: 1px solid #F1C9C6; font-size: 13.5px; font-weight: 600; line-height: 1.45; color: var(--error); }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.quote__note {font-size: 13px; line-height: 1.5; color: var(--muted); text-align: center; }
.done { padding: 20px 0; text-align: center; }
.done__check { width: 48px; height: 48px; margin: 0 auto; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-size: 21px; font-weight: 800; }
.done h3 { margin-top: 14px; font-size: 20px; font-weight: 800; letter-spacing: -0.02em; color: var(--navy); }
.done p { margin: 8px auto 0; font-size: 14.5px; line-height: 1.55; color: var(--muted); max-width: 32ch; }
.done button { margin-top: 16px; min-height: 44px; padding: 0 18px; border: 1px solid var(--field); border-radius: 10px; background: #fff; font-weight: 700; font-size: 14px; color: var(--navy); cursor: pointer; }
.done button:hover { background: var(--hover); }

/* FAQ */
.faq { padding: clamp(40px, 5vw, 72px) 20px; background: var(--surface); border-top: 1px solid var(--line-soft); scroll-margin-top: var(--header-h); }
.faq__inner { max-width: 780px; margin: 0 auto; }
.faq h2 { font-size: clamp(24px, 2.8vw, 32px); line-height: 1.15; letter-spacing: -0.03em; font-weight: 800; color: var(--navy); }
.faq__list { margin-top: 20px; display: grid; gap: 8px; }
.faq-item { border: 1px solid var(--line); border-radius: 12px; background: #fff; overflow: hidden; }
.faq-item__q { width: 100%; min-height: 56px; display: flex; align-items: center; gap: 14px; padding: 14px 18px; border: 0; background: transparent; cursor: pointer; text-align: left; }
.faq-item__q:hover { background: #FAFBFC; }
.faq-item__text { flex: 1 1 auto; font-size: 15.5px; font-weight: 700; line-height: 1.35; color: var(--navy); }
.faq-item__sign { flex: 0 0 auto; width: 26px; height: 26px; border-radius: 7px; background: var(--chip); color: var(--navy); display: grid; place-items: center; font-size: 15px; font-weight: 800; }
.faq-item__sign::before { content: "+"; }
.faq-item__q[aria-expanded="true"] .faq-item__sign { background: var(--gold); }
.faq-item__q[aria-expanded="true"] .faq-item__sign::before { content: "–"; }
.faq-item__a { padding: 0 18px 16px; }
.faq-item__a p { font-size: 15px; line-height: 1.6; color: var(--muted); }

/* Footer + sticky CTA */
.footer { padding: 24px 20px; background: var(--footer); color: #AFC0D0; }
.footer__inner { max-width: 1180px; margin: 0 auto; display: flex; flex-wrap: wrap; gap: 10px 24px; justify-content: space-between; align-items: center; font-size: 13px; }
.footer__brand { display: flex; flex-wrap: wrap; align-items: center; gap: 4px 12px; }
.footer__brand strong { font-weight: 800; color: #fff; }
.footer__contacts { display: flex; flex-wrap: wrap; gap: 6px 18px; }
.footer__contacts a { color: #fff; font-weight: 600; border-bottom: 1px solid rgba(212,175,55,0.6); }
.footer__contacts a:hover { color: var(--gold); }
.sticky-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; padding: 10px 14px calc(10px + env(safe-area-inset-bottom)); background: rgba(255,255,255,0.96); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); border-top: 1px solid var(--line); box-shadow: 0 -6px 20px rgba(34,58,80,0.10); }
.sticky-cta .btn { min-height: 50px; border-radius: 12px; font-size: 16px; }

@media (max-width: 860px) {
  .nav, .header__cta { display: none; }
  .menu-btn { display: grid; }
  .steps { gap: 0; }
  .step { padding: 0; background: transparent; border: 0; }
  .step__rail { display: block; }
  .step:not(:last-child) .step__body { padding-bottom: 20px; }
  .footer { padding-bottom: 96px; }
}
@media (min-width: 861px) {
  .mobile-menu, .sticky-cta { display: none !important; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .hero__copy, .hero__aside { animation: none; }
}