/* AI Finvopay — design system v2
   Светлая editorial-подача: тёплая бумага + чернила + один синий акцент (знак F).
   Шрифты: Unbounded (display) + Onest (текст). Тёмные полосы — только как акцент. */

:root{
  --bg:#f3f1ec;
  --paper:#fffefb;
  --ink:#12151c;
  --muted:#61667a;
  --line:#e0ddd3;
  --line-2:#cdc9bc;
  --blue:#1f4fd8;
  --blue-deep:#15379e;
  --blue-soft:#e8edfd;
  --violet:#6b3df5;
  --green:#0e7350;
  --amber:#b4700c;
  --dark:#0b1018;
  --dark-2:#111827;
  --on-dark:#eef1f7;
  --on-dark-muted:#9aa3b8;
  --radius:12px;
  --wrap:1240px;
  --font-display:"Unbounded",system-ui,sans-serif;
  --font:"Onest",-apple-system,BlinkMacSystemFont,"Segoe UI",system-ui,sans-serif;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;overflow-x:clip;-webkit-text-size-adjust:100%}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{
  margin:0;background:var(--bg);color:var(--ink);
  font:16px/1.6 var(--font);
  overflow-x:clip;-webkit-font-smoothing:antialiased;
}
a{color:inherit}
img,video{max-width:100%;display:block}
.wrap{width:min(var(--wrap),calc(100% - 40px));margin:0 auto}

/* ---------- типографика ---------- */
h1,h2,h3,h4{margin:0;font-family:var(--font-display);font-weight:700;letter-spacing:-.01em;line-height:1.1}
.display{font-size:clamp(34px,5vw,74px);font-weight:900;line-height:1;text-transform:uppercase}
.h2{font-size:clamp(27px,3.8vw,52px);font-weight:900;line-height:1.03;text-transform:uppercase}
.h3{font-size:clamp(18px,1.8vw,23px);font-weight:700;line-height:1.2}
.kicker{
  display:inline-flex;align-items:center;gap:10px;
  font:600 11px/1 var(--font);text-transform:uppercase;letter-spacing:.18em;color:var(--blue);
}
.kicker::before{content:"";width:22px;height:2px;background:var(--blue)}
.lead{max-width:720px;color:var(--muted);font-size:clamp(16.5px,1.5vw,19.5px);line-height:1.58}
.lead b,.lead strong{color:var(--ink);font-weight:600}
.small{font-size:13.5px;color:var(--muted)}
.on-dark .lead,.on-dark .small{color:var(--on-dark-muted)}
.on-dark .lead b,.on-dark .lead strong{color:var(--on-dark)}
.on-dark .kicker{color:#8fa8ff}
.on-dark .kicker::before{background:#8fa8ff}

/* ---------- кнопки ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  min-height:54px;padding:0 26px;border-radius:10px;
  border:1px solid var(--blue);background:var(--blue);color:#fff;
  font:600 15.5px/1 var(--font);text-decoration:none;cursor:pointer;
  transition:background .18s ease,border-color .18s ease,color .18s ease,transform .18s ease;
}
.btn:hover{background:var(--blue-deep);border-color:var(--blue-deep);transform:translateY(-1px)}
.btn:focus-visible{outline:2px solid var(--blue);outline-offset:3px}
.btn.ghost{background:transparent;color:var(--ink);border-color:var(--line-2)}
.btn.ghost:hover{background:var(--paper);color:var(--ink);border-color:var(--ink);transform:none}
.btn.sm{min-height:44px;padding:0 18px;font-size:14.5px}
.btn.wide{width:100%}
.on-dark .btn.ghost,.cta-band .btn.ghost{color:var(--on-dark);border-color:rgba(238,241,247,.35)}
.on-dark .btn.ghost:hover,.cta-band .btn.ghost:hover{background:rgba(238,241,247,.08);color:var(--on-dark);border-color:rgba(238,241,247,.6)}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}

/* ---------- навигация ---------- */
.nav{
  position:sticky;top:0;z-index:60;
  background:rgba(243,241,236,.92);backdrop-filter:blur(14px);
  border-bottom:1px solid var(--line);
}
.navin{position:relative;min-height:66px;display:flex;align-items:center;justify-content:space-between;gap:22px}
.brand{
  display:flex;align-items:center;gap:9px;text-decoration:none;
  font:700 17px/1 var(--font-display);letter-spacing:-.01em;
}
.brand img{width:26px;height:26px}
.navlinks{display:flex;align-items:center;gap:24px}
.navlinks a{
  font:600 12px/1 var(--font);text-transform:uppercase;letter-spacing:.09em;
  color:var(--muted);text-decoration:none;white-space:nowrap;padding:8px 0;
  transition:color .18s ease;
}
.navlinks a:hover,.navlinks a[aria-current="page"]{color:var(--ink)}
.nav .btn{min-height:42px;padding:0 18px;font-size:13.5px;white-space:nowrap}
.navtoggle{
  display:none;width:44px;height:44px;flex:0 0 auto;padding:0;
  align-items:center;justify-content:center;gap:5px;flex-direction:column;
  background:transparent;border:1px solid var(--line-2);border-radius:10px;cursor:pointer;
}
.navtoggle span{display:block;width:18px;height:2px;border-radius:2px;background:var(--ink);transition:transform .2s ease,opacity .2s ease}
.nav.open .navtoggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav.open .navtoggle span:nth-child(2){opacity:0}
.nav.open .navtoggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- секции ---------- */
.band{padding:clamp(60px,8vw,116px) 0;border-bottom:1px solid var(--line);position:relative}
.band.on-paper{background:var(--paper)}
.band.on-dark{background:var(--dark);color:var(--on-dark);border-color:rgba(238,241,247,.12)}
.band>.wrap{position:relative;z-index:1}
.giant-num{
  position:absolute;top:-.16em;right:-.02em;z-index:0;pointer-events:none;user-select:none;
  font:900 clamp(120px,20vw,300px)/1 var(--font-display);
  color:transparent;-webkit-text-stroke:1px var(--line-2);opacity:.65;
}
.on-dark .giant-num{-webkit-text-stroke:1px rgba(238,241,247,.14)}
.section-head{max-width:940px;margin-bottom:clamp(32px,4.5vw,56px)}
.section-head .h2{margin-top:15px}
.section-head .lead{margin-top:20px;max-width:740px}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:var(--paper);border-bottom:1px solid var(--line)}
.hero::before{
  content:"";position:absolute;right:-12%;top:-30%;width:70%;height:150%;z-index:0;pointer-events:none;
  background:radial-gradient(45% 45% at 55% 45%,rgba(31,79,216,.16) 0%,rgba(107,61,245,.08) 45%,transparent 72%);
}
.hero-inner{
  position:relative;z-index:1;
  display:grid;grid-template-columns:minmax(0,1.15fr) minmax(280px,420px);
  gap:clamp(28px,5vw,64px);align-items:center;
  padding:clamp(56px,7vw,104px) 0 clamp(40px,5vw,68px);
}
.hero .display{margin-top:20px}
.hero .lead{margin-top:22px}
.hero-mark{position:relative;display:grid;place-items:center}
.hero-mark img{width:min(100%,340px);filter:drop-shadow(0 26px 60px rgba(31,79,216,.28))}
.hero-mark::after{
  content:"";position:absolute;inset:auto 0 6% 0;height:14px;
  background:radial-gradient(50% 100% at 50% 50%,rgba(31,79,216,.22),transparent 70%);
}

/* полоса доверия */
.trust-strip{
  position:relative;z-index:1;display:grid;grid-template-columns:repeat(3,1fr);
  border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:var(--bg);
  margin-bottom:clamp(36px,4.5vw,56px);
}
.trust-strip div{padding:22px 24px;border-left:1px solid var(--line)}
.trust-strip div:first-child{border-left:0}
.trust-strip .ic{width:22px;height:22px;margin-bottom:14px;display:block;color:var(--blue)}
.trust-strip b{display:block;font-size:15.5px;font-weight:650;margin-bottom:6px}
.trust-strip span{display:block;font-size:14px;color:var(--muted);line-height:1.5}

/* ---------- бегущая строка ---------- */
.ticker{overflow:hidden;background:var(--blue);color:#fff;padding:13px 0;border-bottom:1px solid var(--line)}
.ticker-track{display:flex;width:max-content;animation:ticker 42s linear infinite}
.ticker span{
  font:600 12.5px/1 var(--font);text-transform:uppercase;letter-spacing:.16em;
  white-space:nowrap;display:flex;align-items:center;gap:44px;padding-right:44px;
}
.ticker span::after{content:"◆";font-size:9px;opacity:.7}
@keyframes ticker{to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.ticker-track{animation:none}}

/* ---------- карточки ---------- */
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(20px,2.4vw,30px)}
.on-paper .card{background:var(--bg)}
.card .h3{margin-bottom:11px}
.card p{margin:0;color:var(--muted);font-size:15px;line-height:1.6}
.card p+p{margin-top:12px}
.card.hl{background:var(--blue-soft);border-color:#c5d2fa}
.on-dark .card{background:var(--dark-2);border-color:rgba(238,241,247,.12)}
.on-dark .card p{color:var(--on-dark-muted)}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.grid-3.asym{grid-template-columns:1.2fr 1fr 1fr}

/* ---------- editorial-ряды ---------- */
.rows{border-top:1px solid var(--line)}
.row{
  display:grid;grid-template-columns:70px minmax(0,1.05fr) minmax(0,1.35fr) auto;
  gap:clamp(14px,2.6vw,36px);align-items:center;
  padding:clamp(20px,3vw,32px) 0;border-bottom:1px solid var(--line);
  text-decoration:none;transition:background .18s ease;
}
a.row:hover{background:var(--paper)}
.on-paper a.row:hover{background:var(--bg)}
.row .num{font:700 13px/1 var(--font-display);color:var(--muted)}
.row .tag{font:600 11.5px/1 var(--font);text-transform:uppercase;letter-spacing:.1em;color:var(--green);margin-bottom:7px}
.row .h3{transition:color .18s ease}
a.row:hover .h3{color:var(--blue)}
.row p{margin:0;color:var(--muted);font-size:15px}
.row .price{font:700 clamp(18px,2vw,24px)/1 var(--font-display);white-space:nowrap}
.row .arw{color:var(--muted);font-size:19px}
a.row:hover .arw{color:var(--blue)}
.on-dark .rows,.on-dark .row{border-color:rgba(238,241,247,.14)}
.on-dark .row p,.on-dark .row .num{color:var(--on-dark-muted)}

/* ---------- шаги ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;counter-reset:st}
.steps.s3{grid-template-columns:repeat(3,1fr)}
.step{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:24px 22px;min-height:190px;counter-increment:st;
}
.on-paper .step{background:var(--bg)}
.step::before{
  content:"0" counter(st);display:block;
  font:900 40px/1 var(--font-display);color:transparent;-webkit-text-stroke:1px var(--line-2);
  margin-bottom:14px;
}
.step b{display:block;font:600 12px/1.2 var(--font);text-transform:uppercase;letter-spacing:.11em;color:var(--blue);margin-bottom:9px}
.step span{font-size:14.5px;color:var(--muted);line-height:1.55}

/* ---------- сравнение ---------- */
.compare{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:var(--paper)}
.on-paper .compare{background:var(--bg)}
.compare table{width:100%;border-collapse:collapse;font-size:15px}
.compare th,.compare td{padding:16px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.compare thead th{
  font:600 11.5px/1.3 var(--font);text-transform:uppercase;letter-spacing:.1em;color:var(--muted);
  background:var(--bg);white-space:nowrap;
}
.on-paper .compare thead th{background:var(--paper)}
.compare tbody th{font:600 15px/1.45 var(--font);color:var(--ink);width:26%}
.compare td{color:var(--muted);line-height:1.5}
.compare .own{background:var(--blue-soft);color:var(--ink)}
.compare thead th.own,.on-paper .compare thead th.own{background:var(--blue);color:#fff}
.compare tr:last-child th,.compare tr:last-child td{border-bottom:0}
.compare-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}

/* ---------- списки фактов ---------- */
.facts{display:grid;gap:13px;margin:0;padding:0;list-style:none}
.facts li{display:grid;grid-template-columns:22px 1fr;gap:12px;align-items:start;font-size:15.5px;line-height:1.55}
.facts .mk{
  width:20px;height:20px;border-radius:6px;display:grid;place-items:center;margin-top:1px;
  background:rgba(14,115,80,.12);color:var(--green);font-size:12px;font-weight:700;
}
.facts .mk.no{background:rgba(180,60,40,.12);color:#b03c28}
.on-dark .facts li{color:var(--on-dark)}
.on-dark .facts .mk{background:rgba(76,214,160,.16);color:#4cd6a0}
.on-dark .facts .mk.no{background:rgba(255,138,120,.16);color:#ff8a78}

/* ---------- витрина ---------- */
.shop-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.shop-card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:22px;display:flex;flex-direction:column;gap:14px;text-decoration:none;
  transition:border-color .18s ease,transform .18s ease,box-shadow .18s ease;
}
.on-paper .shop-card{background:var(--bg)}
.shop-card:hover{border-color:var(--line-2);transform:translateY(-2px);box-shadow:0 14px 34px rgba(18,21,28,.07)}
.shop-head{display:flex;align-items:center;gap:13px}
.shop-head img{
  width:46px;height:46px;border-radius:11px;object-fit:contain;padding:7px;
  background:#fff;border:1px solid var(--line);
}
.shop-head .h3{font-size:18px}
.shop-from{font:700 13.5px/1.4 var(--font);color:var(--green);margin-top:3px}
.shop-desc{margin:0;color:var(--muted);font-size:14px;line-height:1.5;min-height:42px}
.shop-tariffs{margin:0;padding:0;list-style:none;border-top:1px solid var(--line)}
.shop-tariffs li{
  display:flex;justify-content:space-between;align-items:baseline;gap:12px;
  padding:10px 0;border-bottom:1px solid var(--line);font-size:14px;color:var(--muted);
}
.shop-tariffs li[hidden]{display:none}
.shop-tariffs .tn{min-width:0}
.shop-tariffs b{color:var(--ink);font-weight:600;white-space:nowrap;font-variant-numeric:tabular-nums}
.shop-tag{
  display:inline-block;font:600 10.5px/1 var(--font);text-transform:uppercase;letter-spacing:.06em;
  color:var(--blue);background:var(--blue-soft);border-radius:5px;padding:3px 6px;margin-left:7px;
}
.shop-more{font-size:12.5px;color:var(--muted);margin:0}
.shop-fallback{font-size:12.5px;color:var(--amber);margin:0}
.shop-link{font-size:13.5px;font-weight:600;color:var(--blue);text-decoration:none}
.shop-link:hover{text-decoration:underline}
.shop-card .btn{margin-top:auto}

/* фильтры */
.catalog-bar{display:flex;flex-wrap:wrap;gap:14px;align-items:center;justify-content:space-between;margin-bottom:24px}
.filters{display:flex;flex-wrap:wrap;gap:8px}
.filter{
  border:1px solid var(--line);background:var(--paper);color:var(--muted);
  border-radius:999px;padding:9px 16px;font:500 14px/1 var(--font);cursor:pointer;transition:all .16s ease;
}
.filter:hover{color:var(--ink);border-color:var(--line-2)}
.filter[aria-pressed="true"]{background:var(--ink);border-color:var(--ink);color:#fff}
.seg{display:inline-flex;padding:4px;gap:4px;background:var(--paper);border:1px solid var(--line);border-radius:10px}
.seg button{border:0;background:transparent;color:var(--muted);border-radius:7px;padding:9px 15px;font:500 14px/1 var(--font);cursor:pointer;transition:all .16s ease}
.seg button[aria-pressed="true"]{background:var(--blue);color:#fff}
.note{
  background:var(--paper);border:1px solid var(--line);border-left:3px solid var(--amber);
  border-radius:var(--radius);padding:15px 18px;color:var(--muted);font-size:14.5px;line-height:1.55;max-width:920px;
}
.note b{color:var(--ink)}
.on-dark .note{background:var(--dark-2);border-color:rgba(238,241,247,.12);border-left-color:var(--amber);color:var(--on-dark-muted)}
.on-dark .note b{color:var(--on-dark)}

/* ---------- FAQ ---------- */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{
  list-style:none;cursor:pointer;padding:22px 44px 22px 0;position:relative;
  font:600 17.5px/1.35 var(--font);color:var(--ink);
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"";position:absolute;right:10px;top:28px;width:10px;height:10px;
  border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);
  transform:rotate(45deg);transition:transform .2s ease;
}
.faq details[open] summary::after{transform:rotate(-135deg)}
.faq p{margin:0 0 22px;color:var(--muted);font-size:15.5px;line-height:1.65;max-width:840px}
.faq a{color:var(--blue)}

/* ---------- гарантия ---------- */
.guarantee{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(20px,3vw,44px);align-items:start}
.guarantee-big{font:900 clamp(40px,6vw,86px)/1 var(--font-display);color:var(--blue);letter-spacing:-.02em}
.on-dark .guarantee-big{color:#8fa8ff}

/* ---------- CTA ---------- */
.cta-band{background:var(--dark);color:var(--on-dark);padding:clamp(64px,8vw,120px) 0;border-bottom:1px solid var(--line)}
.cta-band .h2{max-width:860px}
.cta-band .lead{color:var(--on-dark-muted)}
.article-cta{
  margin-top:44px;padding:clamp(26px,3vw,36px);border-radius:var(--radius);
  background:var(--dark);color:var(--on-dark);
}
.article-cta .h3{color:var(--on-dark)}
.article-cta p{color:var(--on-dark-muted)}

/* ---------- футер ---------- */
footer{padding:48px 0 60px;color:var(--muted);font-size:14.5px;background:var(--paper)}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:30px;margin-bottom:32px}
.foot-grid b{display:block;font:600 11px/1 var(--font);text-transform:uppercase;letter-spacing:.14em;color:var(--ink);margin-bottom:14px}
.foot-grid a{display:block;text-decoration:none;padding:5px 0;transition:color .18s ease}
.foot-grid a:hover{color:var(--blue)}
.foot-about p{margin:0;font-size:14px;line-height:1.6;max-width:330px}
.foot-about .foot-author{margin-top:12px}
.foot-about .foot-author a{display:inline;padding:0;color:var(--blue)}
.foot-legal{border-top:1px solid var(--line);padding-top:22px;font-size:12.5px;line-height:1.65;max-width:960px}

/* ---------- статьи ---------- */
.article{max-width:750px;margin:0 auto;padding:clamp(44px,6vw,84px) 0}
.article-meta{font:600 11.5px/1 var(--font);text-transform:uppercase;letter-spacing:.13em;color:var(--blue);margin-bottom:18px}
.article h1{font-size:clamp(29px,4.2vw,50px);line-height:1.04;text-transform:uppercase;margin-bottom:24px}
.article h2{font-size:clamp(20px,2.4vw,28px);margin:44px 0 16px}
.article p{margin:0 0 18px;font-size:17px;line-height:1.72}
.article ul,.article ol{margin:0 0 20px;padding-left:22px;font-size:17px;line-height:1.72}
.article li{margin-bottom:9px}
.article .lead{font-size:19px;margin-bottom:32px;max-width:none}
.article strong{font-weight:600}
.article a{color:var(--blue)}

/* ---------- reveal ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease}
.reveal.visible{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}

/* ---------- адаптив ---------- */
@media(max-width:1080px){
  .hero-inner{grid-template-columns:1fr}
  .hero-mark{display:none}
  .steps{grid-template-columns:repeat(2,1fr)}
  .shop-grid{grid-template-columns:repeat(2,1fr)}
  .grid-3,.grid-3.asym{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .guarantee{grid-template-columns:1fr}
}
@media(max-width:1040px){
  .navtoggle{display:flex}
  .navlinks{
    display:none;position:absolute;top:100%;left:0;right:0;z-index:5;
    flex-direction:column;align-items:stretch;gap:0;
    background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line);
    padding:4px 20px 14px;box-shadow:0 18px 40px rgba(18,21,28,.08);
  }
  .nav.open .navlinks{display:flex}
  .navlinks a{padding:15px 0;border-bottom:1px solid var(--line);font-size:13px;letter-spacing:.08em}
  .navlinks a:last-child{border-bottom:0}
}
@media(max-width:860px){
  .trust-strip{grid-template-columns:1fr}
  .trust-strip div{border-left:0;border-top:1px solid var(--line)}
  .trust-strip div:first-child{border-top:0}
  .row{grid-template-columns:44px minmax(0,1fr) auto;gap:10px 16px}
  .row p{grid-column:2/-1}
  .row .arw{display:none}
}
@media(max-width:640px){
  .wrap{width:calc(100% - 32px)}
  .grid-2,.grid-3,.grid-3.asym,.shop-grid,.steps,.steps.s3{grid-template-columns:1fr}
  .actions .btn{width:100%}
  .giant-num{font-size:clamp(90px,28vw,150px);opacity:.4}
  .row{grid-template-columns:1fr;gap:8px}
  .row p{grid-column:1}
}

/* ---------- посадочные по сервисам ---------- */
.wrap.narrow{width:min(860px,calc(100% - 40px))}
.crumbs{font-size:13px;color:var(--muted);margin-bottom:clamp(24px,3vw,38px)}
.crumbs a{text-decoration:none;color:var(--muted);transition:color .18s ease}
.crumbs a:hover{color:var(--blue)}
.crumbs span[aria-hidden]{margin:0 6px;opacity:.6}
.landing-head{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:clamp(24px,4vw,56px);align-items:center}
.landing-logo{
  width:132px;height:132px;border-radius:24px;display:grid;place-items:center;flex:0 0 auto;
  background:#fff;border:1px solid var(--line);box-shadow:0 18px 40px rgba(18,21,28,.06);
}
.landing-logo img{width:76px;height:76px;object-fit:contain}
.price-group{margin:clamp(26px,3vw,38px) 0 14px}
.price-group:first-of-type{margin-top:0}
.compare tbody th .shop-tag{margin-left:6px}
.compare td.own b{font-variant-numeric:tabular-nums;white-space:nowrap}
.band .facts li{font-size:16px}
@media(max-width:860px){
  .landing-head{grid-template-columns:1fr}
  .landing-logo{width:96px;height:96px;border-radius:20px}
  .landing-logo img{width:56px;height:56px}
}
@media(max-width:640px){
  .wrap.narrow{width:calc(100% - 32px)}
}