:root {
  /* Бренд Росгосстрах */
  --color-primary:      #b70037;
  --color-primary-dark: #990032;
  --color-primary-soft: #fce8ed;

  /* Нейтральная палитра */
  --color-bg:             #f8fafc;
  --color-surface:        #ffffff;
  --color-border:         #d9e2ec;
  --color-border-light:   #e2e8f0;
  --color-text-primary:   #0f172a;
  --color-text-secondary: #475569;
  --color-text-muted:     #64748b;
  --color-text-light:     #94a3b8;
  --color-text-white:     #ffffff;
  --color-success:        #057ed6;
  --color-success-soft:   #e0f0ff;

  --color-footer-bg:      #0f172a;
  --color-footer-divider: #1e293b;
  --color-footer-text:    #64748b;
  --color-footer-link:    #94a3b8;

  --radius-sm:   10px;
  --radius-md:   14px;
  --radius-lg:   20px;
  --radius-xl:   24px;
  --radius-pill: 999px;

  --shadow-soft:    0 4px 16px rgba(15,23,42,0.06);
  --shadow-card:    0 8px 24px rgba(15,23,42,0.08);
  --shadow-primary: 0 12px 28px rgba(183,0,55,0.28);

  --container:      1200px;
  --container-wide: 1320px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  min-width: 320px;
  padding-top: 77px;
  color: var(--color-text-primary);
  font-family: 'Source Sans Pro', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  line-height: 1.45;
  background: var(--color-surface);
}

h1, h2, h3, h4, h5, h6, p, ul { margin: 0; }

a { color: inherit; }

a, button {
  transition: color 0.2s ease, background-color 0.2s ease,
    border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease;
}

a:focus-visible,
button:focus-visible {
  outline: 3px solid rgba(183,0,55,0.32);
  outline-offset: 3px;
}

.container {
  width: min(var(--container), calc(100% - 64px));
  margin: 0 auto;
}

.container-wide {
  width: min(var(--container-wide), calc(100% - 64px));
  margin: 0 auto;
}

.section { padding: 80px 0; }
.section--white { background: var(--color-surface); }
.section--soft  { background: linear-gradient(160deg, #fdf5f7 0%, #fff5f7 100%); }
.section--light { background: var(--color-bg); }
.section--dark  { background: linear-gradient(160deg, #6b001a 0%, #8a0024 100%); }

.grid { display: grid; gap: 24px; }
.grid--2 { grid-template-columns: repeat(2, minmax(0,1fr)); }
.grid--3 { grid-template-columns: repeat(3, minmax(0,1fr)); }
.grid--4 { grid-template-columns: repeat(4, minmax(0,1fr)); }
.gap-md  { gap: 20px; }
.gap-lg  { gap: 32px; }

/* ── Header ── */
.site-header {
  position: fixed; top: 0; right: 0; left: 0; z-index: 120;
  border-bottom: 1px solid var(--color-border);
  background: rgba(255,255,255,0.97);
}
.site-header.is-scrolled {
  box-shadow: 0 8px 24px rgba(15,23,42,0.08);
  backdrop-filter: blur(8px);
}
.site-header__inner {
  display: flex; align-items: center;
  justify-content: space-between; gap: 24px; min-height: 77px;
}
.site-logo {
  font-family: 'Manrope', sans-serif; font-size: 22px;
  font-weight: 800; letter-spacing: -0.02em;
  color: var(--color-primary); text-decoration: none;
}
.site-nav {
  display: flex; align-items: center; justify-content: center;
  flex: 1; gap: 32px;
}
.site-nav a {
  color: var(--color-text-secondary); font-family: 'Manrope', sans-serif;
  font-size: 15px; font-weight: 500; text-decoration: none;
}
.site-nav a:hover { color: var(--color-primary); }

/* ── Buttons ── */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 10px; border: 1px solid transparent; border-radius: var(--radius-md);
  padding: 16px 32px; font-family: 'Manrope', sans-serif;
  font-size: 16px; font-weight: 700; line-height: 1; text-decoration: none;
}
.btn:hover  { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }

.btn--header {
  border-radius: var(--radius-sm); padding: 12px 24px;
  color: #fff; font-size: 14px; font-weight: 600;
  background: var(--color-primary);
}
.btn--header:hover { background: var(--color-primary-dark); }

.btn--primary {
  color: #fff; background: var(--color-primary);
  box-shadow: var(--shadow-primary);
}
.btn--primary:hover { background: var(--color-primary-dark); }

.btn--ghost {
  border-color: rgba(255,255,255,0.45); color: #fff;
  background: rgba(255,255,255,0.08);
}
.btn--ghost:hover { border-color: rgba(255,255,255,0.8); background: rgba(255,255,255,0.18); }

.btn--outline {
  color: var(--color-primary); border-color: #f0bdc8; background: var(--color-surface);
}
.btn--outline:hover { border-color: var(--color-primary); box-shadow: var(--shadow-soft); }

.btn--light {
  color: var(--color-primary); background: var(--color-surface);
  box-shadow: 0 4px 16px rgba(0,0,0,0.12);
}
.btn--light:hover { color: var(--color-primary-dark); }

/* ── Section heading ── */
.section-heading {
  display: flex; flex-direction: column; gap: 16px; margin-bottom: 48px;
}
.section-heading--center { align-items: center; text-align: center; }
.heading-narrow { max-width: 820px; margin: 0 auto; }

.section-badge {
  display: inline-flex; align-items: center; gap: 8px;
  border-radius: var(--radius-pill); padding: 8px 20px;
  color: var(--color-primary); font-family: 'Manrope', sans-serif;
  font-size: 13px; font-weight: 600; line-height: 1;
  background: var(--color-primary-soft);
}
.section-badge--caps { text-transform: uppercase; letter-spacing: 0.06em; }

.section-heading h2 {
  font-family: 'Manrope', sans-serif;
  font-size: clamp(34px,4vw,44px); font-weight: 800;
  line-height: 1.18; letter-spacing: -0.02em;
}
.section-heading p { color: var(--color-text-secondary); font-size: 18px; line-height: 1.6; }
.heading-light h2, .heading-light p { color: #fff; }
.heading-light p { color: #f0c0cc; }

/* ── Hero ── */
.hero {
  padding: 80px 0;
  background: linear-gradient(135deg, #6b001a 0%, #b70037 100%);
}
.hero__grid {
  display: grid;
  grid-template-columns: minmax(0,1.12fr) minmax(0,0.88fr);
  gap: 60px; align-items: center;
}
.hero__content { display: flex; flex-direction: column; gap: 28px; }
.hero__badge {
  width: fit-content; border: 1px solid rgba(255,255,255,0.35);
  border-radius: var(--radius-pill); padding: 8px 20px;
  color: #fff; font-family: 'Manrope', sans-serif;
  font-size: 13px; font-weight: 700; background: rgba(255,255,255,0.12);
}
.hero h1 {
  color: #fff; font-family: 'Manrope', sans-serif;
  font-size: clamp(36px,4.2vw,50px); font-weight: 800;
  line-height: 1.1; letter-spacing: -0.03em;
}
.hero__subtitle { color: #f5c6d0; font-size: 17px; line-height: 1.6; }
.hero__actions  { display: flex; flex-wrap: wrap; gap: 16px; }
.hero__chips {
  display: flex; flex-wrap: wrap; gap: 12px;
  margin: 0; padding: 0; list-style: none;
}
.hero__chips li {
  display: inline-flex; align-items: center; gap: 6px;
  border: 1px solid #fff; border-radius: var(--radius-pill);
  padding: 10px 16px; color: var(--color-text-secondary);
  font-size: 13px; font-weight: 500; background: rgba(255,255,255,0.88);
}
.hero__chips li span { color: var(--color-success); font-weight: 700; }

/* Hero aside card */
.hero__visual {
  display: flex; flex-direction: column; gap: 12px;
  border: 1px solid var(--color-border); border-radius: 24px;
  padding: 28px; background: var(--color-surface);
  box-shadow: 0 24px 64px rgba(183,0,55,0.1);
}
.hero__visual h3 {
  color: var(--color-text-primary); font-family: 'Manrope', sans-serif;
  font-size: 17px; font-weight: 700; margin-bottom: 2px;
}
.hero-compare__row {
  display: flex; align-items: center; min-height: 44px;
  border-radius: 14px; padding: 8px 16px; background: #f1f5f9;
}
.hero-compare__row p { color: var(--color-text-secondary); font-size: 13px; line-height: 1.45; }
.hero-compare__row--active {
  border: 1px solid var(--color-primary); background: var(--color-surface);
}
.hero-compare__row--active p { color: var(--color-primary); font-weight: 500; }
.hero-compare__best {
  display: inline-flex; align-items: center; gap: 6px;
  width: fit-content; margin-top: 2px; border-radius: var(--radius-pill);
  padding: 8px 14px; color: var(--color-success);
  font-size: 12px; font-weight: 600; line-height: 1; background: #d0ebff;
}

/* ── Intro ── */
.intro { display: flex; flex-direction: column; gap: 32px; }
.intro__lead {
  max-width: 1030px; margin: 0 auto; color: var(--color-text-secondary);
  font-size: 18px; line-height: 1.75; text-align: center;
}
.intro__meta {
  display: flex; align-items: center; justify-content: center;
  gap: 12px; color: var(--color-text-muted); font-size: 13px;
}

/* ── TOC ── */
.toc {
  border: 1px solid var(--color-border); border-radius: var(--radius-lg);
  padding: 28px 32px; background: var(--color-bg);
}
.toc__title {
  margin-bottom: 16px; font-family: 'Manrope', sans-serif;
  font-size: 16px; font-weight: 700;
}
.toc ol {
  margin: 0; padding-left: 22px; display: flex; flex-direction: column; gap: 8px;
}
.toc li { color: var(--color-text-secondary); font-size: 15px; line-height: 1.5; }
.toc a { color: var(--color-primary); text-decoration: none; }
.toc a:hover { text-decoration: underline; }

/* ── Metrics ── */
.metrics-grid { margin-top: 6px; }
.metric-card {
  display: flex; flex-direction: column; gap: 12px;
  border: 1px solid var(--color-border); border-radius: var(--radius-lg);
  padding: 30px 28px; background: var(--color-surface);
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}
.metric-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-card); }
.metric-card strong {
  color: var(--color-primary); font-family: 'Manrope', sans-serif;
  font-size: clamp(32px,3.2vw,44px); font-weight: 800; line-height: 1;
}
.metric-card span { color: var(--color-text-secondary); font-size: 15px; line-height: 1.45; }
.metric-card--primary { border-color: #f0bdc8; }

.numbers-block { display: flex; flex-direction: column; gap: 32px; }
.numbers-block__text {
  max-width: 980px; margin: 0 auto; color: var(--color-text-secondary);
  font-size: 18px; line-height: 1.68; text-align: center;
}
.section-actions { display: flex; justify-content: center; margin-top: 2.5rem; }

/* ── Cards ── */
.card, .step-card, .offer-card, .objection-card {
  border: 1px solid var(--color-border); border-radius: var(--radius-lg);
  background: var(--color-surface); box-shadow: var(--shadow-soft);
  padding: 28px;
}
.card--interactive, .feature-row, .faq-item, .metric-card {
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}
.card--interactive:hover, .feature-row:hover {
  transform: translateY(-4px); box-shadow: var(--shadow-card);
}
.icon-box {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: 14px;
  color: var(--color-primary); font-size: 18px; font-weight: 700;
  background: var(--color-primary-soft);
}
.card { display: flex; flex-direction: column; gap: 14px; }
.card h3, .step-card h3, .offer-card h3, .feature-row h3 {
  font-family: 'Manrope', sans-serif; font-size: 17px;
  font-weight: 700; line-height: 1.35;
}
.card p, .step-card p, .offer-card p, .feature-row p {
  color: var(--color-text-secondary); font-size: 14px; line-height: 1.6;
}

/* ── Steps ── */
.steps-grid { margin-top: 6px; }
.step-card {
  display: flex; flex-direction: column; align-items: center;
  gap: 12px; text-align: center; border-color: var(--color-border-light);
}
.step-card__num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: var(--radius-pill);
  color: var(--color-primary); font-family: 'Manrope', sans-serif;
  font-size: 18px; font-weight: 800; background: var(--color-primary-soft);
}

/* ── Callout ── */
.callout {
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px; border: 1px solid #f0bdc8; border-radius: var(--radius-lg);
  padding: 24px 28px; margin-top: 32px;
  background: linear-gradient(150deg, #fdf5f7 0%, #fff9fa 100%);
}
.callout p { color: var(--color-text-secondary); font-size: 15px; line-height: 1.65; }

/* ── Flex layout ── */
.flex-layout {
  display: grid; grid-template-columns: minmax(0,1.08fr) minmax(0,0.92fr);
  gap: 30px; align-items: start;
}
.flex-layout__left { display: flex; flex-direction: column; gap: 18px; }
.flex-layout__left h2 {
  font-family: 'Manrope', sans-serif; font-size: clamp(28px,3.4vw,40px);
  font-weight: 800; line-height: 1.2; letter-spacing: -0.02em;
}
.flex-layout__left p { color: var(--color-text-secondary); font-size: 18px; line-height: 1.7; }
.flex-layout__right { display: flex; flex-direction: column; gap: 16px; }
.feature-row {
  display: flex; align-items: center; gap: 14px;
  border: 1px solid var(--color-border); border-radius: var(--radius-lg);
  padding: 24px; background: var(--color-surface); box-shadow: var(--shadow-soft);
}
.feature-row__icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 42px; height: 42px; border-radius: 12px;
  color: var(--color-primary); font-size: 18px; font-weight: 700;
  background: var(--color-primary-soft);
}

/* ── Lists ── */
.list { margin: 0; padding: 0; list-style: none; }
.list li {
  display: flex; align-items: flex-start; gap: 10px;
  color: var(--color-text-secondary); font-size: 14px; line-height: 1.5;
}
.list li + li { margin-top: 10px; }
.list--check li::before, .list--cross li::before {
  display: inline-block; margin-top: 1px; font-size: 13px; font-weight: 700;
}
.list--check li::before { content: "✓"; color: var(--color-success); }
.list--cross li::before { content: "✕"; color: #ef4444; }

/* ── Tables ── */
.table-responsive { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.table-responsive table {
  width: 100%; border-collapse: collapse; font-size: 15px; min-width: 560px;
}
.table-responsive th {
  background: var(--color-primary-soft); color: var(--color-primary);
  font-family: 'Manrope', sans-serif; font-weight: 700; font-size: 13px;
  text-transform: uppercase; letter-spacing: 0.04em;
  padding: 14px 18px; text-align: left; border-bottom: 2px solid #f0bdc8;
}
.table-responsive td {
  padding: 14px 18px; border-bottom: 1px solid var(--color-border);
  color: var(--color-text-secondary); vertical-align: top;
}
.table-responsive tr:last-child td { border-bottom: none; }
.table-responsive tr:hover td { background: #fdf5f7; }
.table-responsive td strong { color: var(--color-text-primary); font-weight: 600; }
.td-highlight { color: var(--color-primary) !important; font-weight: 700 !important; }

/* ── Pill / badge ── */
.pill {
  display: inline-flex; align-items: center; border-radius: var(--radius-pill);
  padding: 6px 12px; color: var(--color-primary); font-size: 12px;
  font-weight: 600; line-height: 1; background: var(--color-primary-soft);
}
.pill--best { color: #fff; background: var(--color-primary); }

/* ── FAQ ── */
.faq-wrap  { display: flex; flex-direction: column; gap: 32px; }
.faq-list  {
  display: flex; flex-direction: column; gap: 16px;
  width: min(800px,100%); margin: 0 auto;
}
.faq-item {
  border: 1px solid var(--color-border); border-radius: 16px;
  background: var(--color-surface); cursor: pointer;
  transition: box-shadow 0.22s ease, border-color 0.22s ease;
}
.faq-item:hover { border-color: var(--color-primary); }
.faq-item.is-open { border-color: #f0bdc8; box-shadow: 0 8px 24px rgba(183,0,55,0.1); }
.faq-question {
  display: flex; align-items: center; justify-content: space-between;
  width: 100%; gap: 14px; border: 0; padding: 22px 28px;
  color: var(--color-text-primary); font-family: 'Manrope', sans-serif;
  font-size: 17px; font-weight: 600; line-height: 1.35; text-align: left;
  background: transparent; cursor: pointer; pointer-events: none;
}
.faq-chevron {
  flex-shrink: 0; display: flex; color: var(--color-text-muted);
  transition: transform 0.35s ease, color 0.2s ease;
}
.faq-item.is-open .faq-chevron { transform: rotate(180deg); color: var(--color-primary); }
.faq-answer {
  overflow: hidden; height: 0;
  transition: height 0.32s cubic-bezier(0.4,0,0.2,1);
}
.faq-answer__inner { padding: 0 28px 24px; color: var(--color-text-secondary); font-size: 15px; line-height: 1.7; }
.faq-answer__inner p + p { margin-top: 10px; }

/* ── Final CTA ── */
.final-cta {
  padding: 100px 0;
  background: linear-gradient(160deg, #5a0018 0%, #8a0024 100%);
}
.final-cta__inner {
  display: flex; flex-direction: column; align-items: center;
  gap: 30px; text-align: center;
}
.final-cta h2 {
  max-width: 920px; color: #fff; font-family: 'Manrope', sans-serif;
  font-size: clamp(32px,4vw,44px); font-weight: 800;
  line-height: 1.2; letter-spacing: -0.02em;
}
.final-cta p { max-width: 720px; color: #f5c6d0; font-size: 18px; line-height: 1.6; }
.final-cta__actions {
  display: flex; align-items: center; justify-content: center;
  gap: 16px; flex-wrap: wrap;
}
.final-cta__chips {
  display: flex; flex-wrap: wrap; justify-content: center;
  gap: 12px; margin: 0; padding: 0; list-style: none;
}
.final-cta__chips li {
  display: inline-flex; align-items: center; gap: 6px;
  border: 1px solid #fff; border-radius: var(--radius-pill); padding: 10px 16px;
  color: var(--color-text-secondary); font-size: 13px; font-weight: 500;
  background: rgba(255,255,255,0.88);
}
.final-cta__chips li span { color: var(--color-success); font-weight: 700; }
.final-actions {
  display: flex; align-items: center; justify-content: center;
  gap: 12px; flex-wrap: wrap;
}

/* ── Footer ── */
.site-footer { background: var(--color-footer-bg); }
.site-footer__info { display: flex; justify-content: space-between; align-items: flex-start; gap: 32px; padding: 48px 0 36px; border-bottom: 1px solid rgba(255,255,255,.08); }
.footer-org { color: #fff; font-family: Manrope, sans-serif; font-size: 15px; font-weight: 700; margin: 0 0 6px; }
.footer-reg { color: var(--color-footer-text); font-size: 13px; margin: 0 0 8px; }
.footer-accr { color: var(--color-footer-text); font-size: 12px; line-height: 1.5; margin: 0 0 8px; max-width: 560px; }
.footer-desc { color: var(--color-footer-text); font-size: 13px; line-height: 1.6; margin: 0; max-width: 560px; }
.footer-contacts { display: flex; flex-direction: column; align-items: flex-end; gap: 10px; flex-shrink: 0; }
.footer-contacts a { color: var(--color-footer-text); font-size: 14px; text-decoration: none; }
.footer-contacts a:hover { color: #fff; }
.site-footer__nav { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 32px 20px; padding: 40px 0 44px; }
.footer-col { display: flex; flex-direction: column; gap: 10px; }
.footer-col h3 { margin: 0 0 4px; color: #fff; font-family: Manrope, sans-serif; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; }
.footer-col a { color: var(--color-footer-text); font-size: 13px; line-height: 1.4; text-decoration: none; }
.footer-col a:hover { color: #fff; }
.site-footer__bottom { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 20px 0; border-top: 1px solid rgba(255,255,255,.1); }
.site-footer__bottom p { color: var(--color-footer-text); font-size: 13px; margin: 0; }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { color: var(--color-footer-text); font-size: 13px; text-decoration: none; }
.footer-bottom-links a:hover { color: #fff; }

@media (max-width: 1180px) {
  .container, .container-wide { width: calc(100% - 48px); }
  .hero__grid, .flex-layout { grid-template-columns: 1fr; gap: 36px; }
  .hero__visual { max-width: 560px; margin: 0 auto; }
  .grid--4 { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .site-footer__nav { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .footer-contacts { align-items: flex-start; }
}
@media (max-width: 980px) {
  body { padding-top: 74px; }
  .site-header__inner { min-height: 74px; }
  .site-nav { gap: 20px; }
  .site-nav a { font-size: 14px; }
  .section { padding: 72px 0; }
  .grid--3 { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .grid--2 { grid-template-columns: 1fr; }
  .callout, .final-cta__actions { flex-direction: column; align-items: stretch; }
  .callout .btn, .final-cta__actions .btn { width: 100%; }
  .final-actions { flex-direction: column; }
  .final-actions .btn { width: 100%; }
}
@media (max-width: 760px) {
  .container, .container-wide { width: calc(100% - 28px); }
  .site-nav { display: none; }
  .btn { width: 100%; padding: 14px 20px; font-size: 15px; }
  .btn--header { width: auto; padding: 10px 16px; font-size: 13px; }
  .section { padding: 64px 0; }
  .hero { padding: 64px 0; }
  .hero__content { gap: 22px; }
  .hero__actions { flex-direction: column; align-items: stretch; }
  .hero__visual { min-height: 0; gap: 10px; padding: 22px; }
  .intro__lead, .numbers-block__text, .flex-layout__left p { font-size: 16px; }
  .section-heading h2 { letter-spacing: -0.01em; }
  .faq-question { font-size: 15px; }
  .final-cta { padding: 72px 0; }
  .final-cta h2 { letter-spacing: -0.01em; }
  .table-responsive th, .table-responsive td { padding: 10px 12px; font-size: 13px; }
}
@media (max-width: 480px) {
  .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; }
  .site-footer__info { flex-direction: column; }
  .footer-contacts { align-items: flex-start; }
  .site-footer__nav { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .hero__chips li { font-size: 12px; padding: 8px 12px; }
}
@media (max-width: 375px) {
  .container, .container-wide { width: calc(100% - 20px); }
}