/* ============================================================
   BATYS FINANCE — «Чёрное золото»
   Палитра: чёрный / слоновая кость / золото (шампань→бронза)
   ============================================================ */

:root {
  --ink: #0b0a08;
  --coal: #16130e;
  --coal-2: #1d1913;
  --ivory: #f4efe6;
  --muted: #a2977f;
  --champ: #f3d9a4;
  --gold: #d4a843;
  --bronze: #8a6528;
  --gold-grad: linear-gradient(115deg, #f7e3b0 0%, #d4a843 45%, #9a7330 100%);
  --line: rgba(212, 168, 67, 0.18);
  --header-h: 72px;
  --radius: 20px;
  /* Unbounded/Manrope не содержат казахских глифов (Қ Ә Ң Ө Ұ Ү) — браузер подставлял
     системный шрифт прямо внутри слова. Дисплей и текст переведены на шрифты с полной
     казахской кириллицей; Unbounded оставлен только для латинского логотипа. */
  --font-d: "Montserrat", "Segoe UI", sans-serif;
  --font-t: "Golos Text", "Segoe UI", sans-serif;
  --font-latin: "Unbounded", "Montserrat", sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-t);
  background: var(--ink);
  color: var(--ivory);
  line-height: 1.6;
  font-size: 16px;
  overflow-x: hidden;
  overflow-x: clip;   /* clip не создаёт скролл-контейнер -> position:sticky работает */
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }

[id] { scroll-margin-top: calc(var(--header-h) + 16px); }

::selection { background: var(--gold); color: var(--ink); }

/* ---------- зерно ---------- */
.grain {
  position: fixed; inset: -50%;
  width: 200%; height: 200%;
  pointer-events: none; z-index: 9999;
  opacity: 0.05;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2'/%3E%3C/filter%3E%3Crect width='120' height='120' filter='url(%23n)' opacity='0.7'/%3E%3C/svg%3E");
  animation: grain-shift 9s steps(9) infinite;
}
@keyframes grain-shift {
  0%,100% { transform: translate(0,0); } 20% { transform: translate(-3%,2%); }
  40% { transform: translate(2%,-3%); } 60% { transform: translate(-2%,-2%); }
  80% { transform: translate(3%,3%); }
}

/* ---------- типографика ---------- */
.gold-text {
  background: var(--gold-grad);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: transparent;
}

.section { padding: clamp(72px, 10vw, 130px) 0; position: relative; }
.container { width: min(1180px, 92vw); margin: 0 auto; }

.section-head { max-width: 640px; margin-bottom: clamp(40px, 6vw, 70px); }
.section-eyebrow {
  display: flex; align-items: center; gap: 10px;
  font-size: 12px; letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--gold); font-weight: 600; margin-bottom: 18px;
}
.drop-dot {
  width: 9px; height: 9px; flex: none;
  background: var(--gold-grad);
  border-radius: 0 50% 50% 50%;
  transform: rotate(45deg);
}
.section-title {
  font-family: var(--font-d);
  font-weight: 500;
  font-size: clamp(1.7rem, 4.2vw, 3rem);
  line-height: 1.14;
  text-transform: uppercase;
  letter-spacing: 0.01em;
}
.section-sub { color: var(--muted); margin-top: 18px; max-width: 480px; }

/* ---------- кнопки ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font-t); font-weight: 700; font-size: 15px;
  padding: 13px 26px; border-radius: 100px; border: 0; cursor: pointer;
  transition: transform 0.35s cubic-bezier(0.22,1,0.36,1), box-shadow 0.35s, background 0.35s, color 0.35s;
  will-change: transform;
}
.btn-gold {
  background: var(--gold-grad);
  color: #171204;
  box-shadow: 0 6px 24px rgba(212,168,67,0.28);
}
.btn-gold:hover { box-shadow: 0 10px 34px rgba(212,168,67,0.45); transform: translateY(-2px); }
.btn-line {
  background: transparent; color: var(--ivory);
  box-shadow: inset 0 0 0 1.5px var(--line);
}
.btn-line:hover { box-shadow: inset 0 0 0 1.5px var(--gold); color: var(--champ); }
.btn-lg { padding: 16px 32px; font-size: 16px; }
.btn-block { width: 100%; }

/* ---------- шапка ---------- */
.header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 300;
  /* 300 > .mobile-menu(200): .header создаёт стекинг-контекст, поэтому z-index бургера
     внутри него не помогает — над меню должна подниматься вся шапка целиком */
  transition: background 0.4s, box-shadow 0.4s, backdrop-filter 0.4s;
}
.header.scrolled {
  background: rgba(11,10,8,0.82);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  box-shadow: 0 1px 0 var(--line);
}
.header-in {
  width: min(1280px, 94vw); margin: 0 auto;
  min-height: var(--header-h);
  display: flex; align-items: center; gap: 28px;
}
.brand { display: flex; align-items: center; gap: 12px; margin-right: auto; }
.brand img { width: 30px; height: auto; filter: drop-shadow(0 2px 8px rgba(212,168,67,0.4)); }
.brand-text {
  font-family: var(--font-latin); font-weight: 600; font-size: 15px; letter-spacing: 0.06em;
}
.brand-text em { font-style: normal; color: var(--gold); margin-left: 6px; font-weight: 400; }
.nav { display: flex; gap: 26px; }
.nav a {
  font-size: 14.5px; font-weight: 600; color: var(--muted);
  transition: color 0.3s; position: relative; padding: 6px 0;
}
.nav a::after {
  content: ""; position: absolute; left: 0; bottom: 0;
  width: 100%; height: 1.5px; background: var(--gold-grad);
  transform: scaleX(0); transform-origin: right; transition: transform 0.35s;
}
.nav a:hover { color: var(--ivory); }
.nav a:hover::after { transform: scaleX(1); transform-origin: left; }
.btn-header { padding: 10px 20px; font-size: 14px; }

/* ---------- переключатель языка ---------- */
.lang-switch {
  display: flex; gap: 2px; padding: 3px; flex: none;
  border: 1px solid rgba(212,168,67,0.25); border-radius: 100px;
  background: rgba(11,10,8,0.4);
}
.lang-btn {
  font-family: var(--font-t); font-size: 12.5px; font-weight: 700;
  letter-spacing: 0.04em; color: var(--muted);
  background: transparent; border: 0; cursor: pointer;
  padding: 6px 13px; border-radius: 100px;
  transition: color 0.3s, background 0.3s;
}
.lang-btn:hover { color: var(--champ); }
.lang-btn.active { background: var(--gold-grad); color: #171204; }

.burger {
  display: none; width: 46px; height: 46px; border: 0; cursor: pointer;
  background: transparent; position: relative; z-index: 210; flex: none;
}
.burger span {
  display: block; width: 24px; height: 2px; margin: 4px auto;
  background: var(--ivory); border-radius: 2px;
  transition: transform 0.35s, opacity 0.35s;
}
.burger.open span:nth-child(1) { transform: translateY(3px) rotate(45deg); }
.burger.open span:nth-child(2) { transform: translateY(-3px) rotate(-45deg); }

/* при открытом меню шапка остаётся видимой (крестик), но без своего фона */
body.menu-open .header.scrolled {
  background: transparent; box-shadow: none;
  backdrop-filter: none; -webkit-backdrop-filter: none;
}

/* ---------- мобильное меню ---------- */
.mobile-menu {
  position: fixed; inset: 0; z-index: 200;
  background: radial-gradient(120% 100% at 80% 0%, #241d10 0%, var(--ink) 55%);
  display: flex; flex-direction: column; justify-content: center; gap: 30px;
  padding: 90px 8vw 50px;
  opacity: 0; visibility: hidden; transform: translateY(-4%);
  transition: opacity 0.4s, visibility 0.4s, transform 0.4s;
}
.mobile-menu.open { opacity: 1; visibility: visible; transform: none; }
.mobile-menu nav { display: flex; flex-direction: column; gap: 4px; }
.mobile-menu nav a {
  font-family: var(--font-d); font-size: clamp(1.3rem, 6.5vw, 1.9rem);
  font-weight: 500; text-transform: uppercase; padding: 10px 0;
  display: flex; align-items: baseline; gap: 14px;
  border-bottom: 1px solid rgba(212,168,67,0.12);
}
.mobile-menu nav a i {
  font-style: normal; font-size: 12px; color: var(--gold); font-family: var(--font-t);
}
.mobile-menu .btn { align-self: flex-start; }
.mobile-menu-note { color: var(--muted); font-size: 14px; }

/* ---------- HERO ---------- */
.hero {
  min-height: 100svh;
  display: flex; flex-direction: column; justify-content: center;
  position: relative; overflow: hidden;
  padding: calc(var(--header-h) + 30px) 0 40px;
}
.hero-texture {
  position: absolute; inset: 0; z-index: 0;
  background-image: url("assets/hero-gold.webp");
  background-size: cover; background-position: 70% 40%;
  opacity: 0.5;
}
.hero-texture::after {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(90% 90% at 25% 45%, rgba(11,10,8,0.97) 0%, rgba(11,10,8,0.72) 55%, rgba(11,10,8,0.25) 100%),
    linear-gradient(180deg, rgba(11,10,8,0.55) 0%, rgba(11,10,8,0) 35%, rgba(11,10,8,0.9) 100%);
}
.hero-in {
  position: relative; z-index: 1;
  width: min(1180px, 92vw); margin: 0 auto;
  display: grid; grid-template-columns: 1.25fr 0.75fr;
  align-items: center; gap: 40px;
}
.hero-eyebrow {
  display: flex; align-items: center; gap: 10px;
  color: var(--gold); font-weight: 600; font-size: 12.5px;
  letter-spacing: 0.24em; text-transform: uppercase; margin-bottom: 26px;
}
.hero-title {
  font-family: var(--font-d);
  font-weight: 600;
  font-size: clamp(2.1rem, 5.6vw, 4.3rem);
  line-height: 1.06;
  text-transform: uppercase;
  letter-spacing: 0.005em;
}
.ht-line { display: block; overflow: hidden; padding-bottom: 0.09em; margin-bottom: -0.09em; }
.ht-line > span {
  display: inline-block; transform: translateY(115%);
  animation: ht-up 0.9s cubic-bezier(0.22,1,0.36,1) 0.1s forwards;
}
.ht-line:nth-child(2) > span { animation-delay: 0.22s; }
.ht-line:nth-child(3) > span { animation-delay: 0.34s; }
@keyframes ht-up { to { transform: translateY(0); } }
.ht-gold {
  background: var(--gold-grad);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: transparent;
}
.hero-sub {
  margin-top: 26px; max-width: 470px;
  color: #c9bfa9; font-size: 17px;
}
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 34px; }
.hero-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 34px; }
.hero-chips a {
  display: inline-block; font-size: 13px; font-weight: 600; color: var(--muted);
  padding: 7px 15px; border-radius: 100px;
  border: 1px solid rgba(212,168,67,0.22);
  transition: color 0.3s, border-color 0.3s, background 0.3s;
}
.hero-chips a:hover { color: var(--champ); border-color: var(--gold); background: rgba(212,168,67,0.08); }

.hero-visual { position: relative; display: grid; place-items: center; min-height: 380px; }
.hero-drop {
  width: clamp(170px, 16vw, 240px); height: auto; position: relative; z-index: 2;
  filter: drop-shadow(0 30px 60px rgba(0,0,0,0.6)) drop-shadow(0 0 46px rgba(212,168,67,0.28));
  animation: drop-float 7s ease-in-out infinite;
}
@keyframes drop-float {
  0%,100% { transform: translateY(0) rotate(0.001deg); }
  50% { transform: translateY(-16px) rotate(0.001deg); }
}
.hero-ring, .hero-ring-2 {
  position: absolute; border-radius: 50%;
  border: 1px solid rgba(212,168,67,0.25);
  width: min(340px, 30vw); aspect-ratio: 1;
  animation: ring-pulse 5s ease-in-out infinite;
}
.hero-ring-2 { width: min(460px, 40vw); border-color: rgba(212,168,67,0.12); animation-delay: 1.4s; }
@keyframes ring-pulse {
  0%,100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.06); opacity: 0.6; }
}
.hero-glow {
  position: absolute; width: 420px; height: 420px; border-radius: 50%;
  background: radial-gradient(circle, rgba(212,168,67,0.16) 0%, transparent 65%);
}
.hero-bottom {
  position: absolute; bottom: 26px; left: 50%; transform: translateX(-50%); z-index: 2;
}
.scroll-hint {
  display: block; width: 24px; height: 40px;
  border: 1.5px solid rgba(212,168,67,0.45); border-radius: 14px; position: relative;
}
.scroll-hint i {
  position: absolute; left: 50%; top: 7px; width: 4px; height: 8px;
  margin-left: -2px; border-radius: 3px; background: var(--gold);
  animation: hint 2s ease-in-out infinite;
}
@keyframes hint { 0%,100% { transform: translateY(0); opacity: 1; } 60% { transform: translateY(14px); opacity: 0; } }

/* ---------- лента ---------- */
.marquee {
  overflow: hidden; padding: 18px 0;
  border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
  background: var(--coal);
  transform: rotate(-1.2deg) scale(1.02);
}
.marquee-track {
  display: flex; align-items: center; gap: 34px; width: max-content;
  animation: marquee 30s linear infinite;
}
.marquee-track span {
  font-family: var(--font-d); font-weight: 400; font-size: 15px;
  text-transform: uppercase; letter-spacing: 0.1em; color: var(--champ);
  white-space: nowrap;
}
.marquee-track b { color: var(--bronze); font-size: 9px; }
@keyframes marquee { to { transform: translateX(-50%); } }

/* ---------- услуги ---------- */
.services { background: var(--ink); }
.srv-grid {
  display: grid; gap: 22px;
  grid-template-columns: repeat(3, 1fr);
  grid-auto-rows: auto;
}
.srv-lg { grid-row: span 2; }
.srv-card.srv-wide { grid-column: 1 / -1; flex-direction: row; }
.srv-wide .srv-media { flex: 0 0 46%; aspect-ratio: auto; min-height: 330px; position: relative; }
.srv-wide .srv-media img { position: absolute; inset: 0; width: 100%; height: 100%; }
.srv-wide .srv-media::after {
  background: linear-gradient(90deg, rgba(11,10,8,0.05) 40%, rgba(20,17,12,0.9) 100%);
}
.srv-wide .srv-body { padding: 34px 38px; justify-content: center; }
.srv-wide .srv-num { top: auto; bottom: 18px; right: 26px; }

.srv-card {
  position: relative; display: flex; flex-direction: column;
  background: linear-gradient(160deg, var(--coal-2) 0%, var(--coal) 60%);
  border: 1px solid rgba(212,168,67,0.13);
  border-radius: var(--radius); overflow: hidden;
  transition: transform 0.5s cubic-bezier(0.22,1,0.36,1), border-color 0.5s, box-shadow 0.5s;
}
.srv-card:hover {
  transform: translateY(-6px);
  border-color: rgba(212,168,67,0.45);
  box-shadow: 0 24px 60px rgba(0,0,0,0.5), 0 0 0 1px rgba(212,168,67,0.08);
}
.srv-media { position: relative; overflow: hidden; aspect-ratio: 16/9; flex: none; }
.srv-lg .srv-media { aspect-ratio: 4/4.4; }
.srv-media img {
  width: 100%; height: 100%; object-fit: cover;
  filter: saturate(0.82) contrast(1.05) brightness(0.85) sepia(0.14);
  transition: transform 0.9s cubic-bezier(0.22,1,0.36,1), filter 0.6s;
}
.srv-card:hover .srv-media img { transform: scale(1.06); filter: saturate(0.95) contrast(1.05) brightness(0.95) sepia(0.08); }
.srv-media::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(11,10,8,0.05) 40%, rgba(20,17,12,0.92) 100%);
}
.srv-body { padding: 24px 26px 28px; display: flex; flex-direction: column; gap: 12px; flex: 1; position: relative; }
.srv-num {
  position: absolute; top: -46px; right: 18px; z-index: 2;
  font-family: var(--font-d); font-weight: 700; font-size: 52px; line-height: 1;
  color: transparent;
  -webkit-text-stroke: 1.5px rgba(243,217,164,0.6);
  pointer-events: none;
}
.srv-body h3 {
  font-family: var(--font-d); font-weight: 500; font-size: 19px;
  text-transform: uppercase; letter-spacing: 0.02em; line-height: 1.25;
}
.srv-body p { color: var(--muted); font-size: 15px; }
.srv-list { display: flex; flex-direction: column; gap: 8px; }
.srv-list li {
  position: relative; padding-left: 22px; font-size: 14.5px; color: #cfc5ae;
}
.srv-list li::before {
  content: ""; position: absolute; left: 2px; top: 7px;
  width: 8px; height: 8px; background: var(--gold-grad);
  border-radius: 0 50% 50% 50%; transform: rotate(45deg);
}
.srv-link {
  margin-top: auto; padding-top: 10px;
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 700; font-size: 14.5px; color: var(--champ); width: fit-content;
}
.srv-link i { font-style: normal; transition: transform 0.35s; }
.srv-link:hover i { transform: translateX(6px); }

/* ---------- о компании ---------- */
.about { background: var(--coal); }
.about::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(60% 50% at 85% 15%, rgba(212,168,67,0.07) 0%, transparent 70%);
}
.about-in {
  display: grid; grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(34px, 6vw, 80px); align-items: center; position: relative;
}
.about-media { position: relative; }
.about-media img {
  border-radius: 200px 200px var(--radius) var(--radius);
  /* height: auto обязателен: атрибут height у <img> работает как презентационная
     подсказка height:<N>px и без него aspect-ratio ниже не применяется вовсе */
  aspect-ratio: 3/4; object-fit: cover; width: 100%; height: auto;
  filter: saturate(0.85) contrast(1.04) brightness(0.92);
  border: 1px solid rgba(212,168,67,0.25);
}
.about-tag {
  position: absolute; left: 18px; bottom: 18px;
  background: rgba(11,10,8,0.75); backdrop-filter: blur(8px);
  color: var(--champ); font-size: 13px; font-weight: 600;
  padding: 9px 16px; border-radius: 100px; border: 1px solid rgba(212,168,67,0.3);
}
.about-copy > p { color: #c9bfa9; margin-top: 20px; max-width: 520px; }
.about-points { margin: 28px 0 32px; display: flex; flex-direction: column; gap: 18px; }
.about-points li {
  position: relative; padding-left: 30px; color: var(--muted); font-size: 15.5px; max-width: 520px;
}
.about-points li b { color: var(--ivory); display: block; margin-bottom: 2px; }
.about-points li::before {
  content: ""; position: absolute; left: 2px; top: 6px;
  width: 11px; height: 11px; background: var(--gold-grad);
  border-radius: 0 50% 50% 50%; transform: rotate(45deg);
}

/* ---------- как работаем ---------- */
.flow { background: var(--ink); overflow: hidden; }
.flow-wrap { position: relative; max-width: 760px; margin: 0 auto; }
.flow-line {
  position: absolute; top: 0; bottom: 0; left: 24px; width: 60px; height: 100%;
}
.flow-line path {
  stroke: url(#flow-grad); stroke: var(--gold);
  stroke-width: 1.6; opacity: 0.65;
}
.flow-steps { display: flex; flex-direction: column; gap: clamp(44px, 7vw, 80px); position: relative; }
.flow-step {
  display: flex; gap: clamp(22px, 4vw, 44px); align-items: flex-start;
  padding-left: 90px; position: relative;
}
.flow-step::before {
  content: ""; position: absolute; left: 45px; top: 6px;
  width: 18px; height: 18px; background: var(--gold-grad);
  border-radius: 0 50% 50% 50%; transform: rotate(45deg);
  box-shadow: 0 0 0 7px var(--ink), 0 0 24px rgba(212,168,67,0.5);
}
.flow-num {
  font-family: var(--font-d); font-weight: 700; font-size: clamp(2.4rem, 5vw, 3.6rem);
  line-height: 0.95; color: transparent;
  -webkit-text-stroke: 1.5px rgba(212,168,67,0.55);
  flex: none;
}
.flow-step h3 {
  font-family: var(--font-d); font-weight: 500; font-size: 18px;
  text-transform: uppercase; margin-bottom: 8px;
}
.flow-step p { color: var(--muted); max-width: 430px; font-size: 15.5px; }

/* ---------- CTA ---------- */
.cta { position: relative; padding: clamp(80px, 11vw, 140px) 0; overflow: hidden; text-align: center; }
.cta-bg {
  position: absolute; inset: 0;
  background-image: url("assets/cta-gold.webp");
  background-size: cover; background-position: center;
}
.cta-bg::after {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(70% 90% at 50% 50%, rgba(11,10,8,0.74) 0%, rgba(11,10,8,0.93) 100%);
}
.cta-in { position: relative; display: flex; flex-direction: column; align-items: center; gap: 18px; }
.cta-drop { width: 58px; height: auto; filter: drop-shadow(0 0 30px rgba(212,168,67,0.5)); }
.cta h2 {
  font-family: var(--font-d); font-weight: 500;
  font-size: clamp(1.5rem, 3.6vw, 2.6rem); text-transform: uppercase; line-height: 1.2;
}
.cta p { color: var(--muted); }
.cta .btn { margin-top: 10px; }

/* ---------- FAQ ---------- */
.faq { background: var(--coal); }
.faq-in { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: clamp(30px, 5vw, 70px); align-items: start; }
.faq .section-head { position: sticky; top: calc(var(--header-h) + 30px); margin-bottom: 0; }
.faq-list { display: flex; flex-direction: column; gap: 14px; }
.faq-item {
  border: 1px solid rgba(212,168,67,0.15); border-radius: 16px;
  background: var(--coal-2);
  transition: border-color 0.35s;
}
.faq-item[open] { border-color: rgba(212,168,67,0.45); }
.faq-item summary {
  list-style: none; cursor: pointer;
  display: flex; align-items: center; justify-content: space-between; gap: 18px;
  padding: 20px 24px;
  font-weight: 700; font-size: 16px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-ico {
  flex: none; width: 30px; height: 30px; position: relative;
  border-radius: 50%; border: 1px solid rgba(212,168,67,0.4);
  transition: transform 0.4s, background 0.4s;
}
.faq-ico::before, .faq-ico::after {
  content: ""; position: absolute; background: var(--gold);
  top: 50%; left: 50%; transition: transform 0.4s;
}
.faq-ico::before { width: 12px; height: 1.6px; transform: translate(-50%,-50%); }
.faq-ico::after { width: 1.6px; height: 12px; transform: translate(-50%,-50%); }
.faq-item[open] .faq-ico { transform: rotate(45deg); background: rgba(212,168,67,0.12); }
.faq-item p { padding: 0 24px 22px; color: var(--muted); font-size: 15px; max-width: 640px; }

/* ---------- контакты ---------- */
.contacts { background: var(--ink); }
.contacts::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(50% 40% at 12% 80%, rgba(212,168,67,0.06) 0%, transparent 70%);
}
.contacts-in {
  display: grid; grid-template-columns: 1fr 1fr; gap: clamp(36px, 6vw, 90px);
  position: relative; align-items: start;
}
.contact-list { margin-top: 34px; display: flex; flex-direction: column; gap: 26px; }
.contact-label {
  display: block; font-size: 12px; letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--muted); margin-bottom: 6px; font-weight: 600;
}
.contact-value {
  font-family: var(--font-d); font-weight: 500; font-size: clamp(1.05rem, 2vw, 1.35rem);
  line-height: 1.35; transition: color 0.3s;
}
a.contact-value:hover { color: var(--champ); }

.contact-form {
  background: linear-gradient(160deg, var(--coal-2) 0%, var(--coal) 70%);
  border: 1px solid rgba(212,168,67,0.2); border-radius: 24px;
  padding: clamp(24px, 3.5vw, 40px);
  display: flex; flex-direction: column; gap: 16px;
}
.contact-form h3 {
  font-family: var(--font-d); font-weight: 500; font-size: 20px; text-transform: uppercase;
}
.form-note { color: var(--muted); font-size: 14px; margin-top: -6px; }
.contact-form label { display: flex; flex-direction: column; gap: 7px; }
.contact-form label span { font-size: 13px; font-weight: 600; color: var(--muted); }
.contact-form input, .contact-form select, .contact-form textarea {
  font-family: var(--font-t); font-size: 15.5px; color: var(--ivory);
  background: rgba(11,10,8,0.6);
  border: 1px solid rgba(212,168,67,0.18); border-radius: 12px;
  padding: 13px 16px; outline: none; width: 100%;
  transition: border-color 0.3s, box-shadow 0.3s;
  appearance: none; -webkit-appearance: none;
}
.contact-form select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23d4a843' stroke-width='1.6' fill='none'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 16px center;
}
.contact-form textarea { resize: vertical; min-height: 80px; }
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus {
  border-color: var(--gold); box-shadow: 0 0 0 3px rgba(212,168,67,0.14);
}
.contact-form input::placeholder, .contact-form textarea::placeholder { color: #6f6650; }
.form-done { color: var(--champ); font-weight: 600; text-align: center; }

/* ---------- подвал ---------- */
.footer { background: #080705; border-top: 1px solid var(--line); padding: 46px 0 30px; }
.footer-in {
  display: flex; flex-wrap: wrap; gap: 30px; align-items: flex-start;
  justify-content: space-between; padding-bottom: 30px;
  border-bottom: 1px solid rgba(212,168,67,0.1); margin-bottom: 22px;
}
.footer-brand { display: flex; gap: 12px; align-items: center; }
.footer-brand img { width: 26px; height: auto; }
.footer-brand span {
  font-family: var(--font-latin); font-size: 13px; font-weight: 600; line-height: 1.5; letter-spacing: 0.05em;
}
.footer-brand em { font-style: normal; color: var(--muted); font-family: var(--font-t); font-weight: 400; font-size: 12px; }
.footer-nav { display: flex; flex-wrap: wrap; gap: 8px 22px; max-width: 440px; }
.footer-nav a { font-size: 14px; color: var(--muted); transition: color 0.3s; }
.footer-nav a:hover { color: var(--champ); }
.footer-contacts { display: flex; flex-direction: column; gap: 8px; }
.footer-contacts a { font-weight: 700; font-size: 15px; transition: color 0.3s; }
.footer-contacts a:hover { color: var(--champ); }
.footer-legal { display: flex; flex-direction: column; gap: 8px; }
.footer-legal p { color: #6f6650; font-size: 13px; }
.disclaimer { max-width: 720px; }

/* ---------- плавающий WhatsApp ---------- */
.wa-float {
  position: fixed; right: 20px; bottom: 20px; z-index: 90;
  width: 58px; height: 58px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--gold-grad); color: #171204;
  box-shadow: 0 8px 30px rgba(212,168,67,0.4);
  transition: transform 0.35s cubic-bezier(0.22,1,0.36,1), box-shadow 0.35s;
  opacity: 0; visibility: hidden; transform: translateY(14px);
}
.wa-float.show { opacity: 1; visibility: visible; transform: none; }
.wa-float:hover { transform: translateY(-3px) scale(1.05); box-shadow: 0 12px 40px rgba(212,168,67,0.55); }

/* ---------- reveal-анимации ---------- */
.reveal {
  opacity: 0; transform: translateY(34px);
  transition: opacity 0.9s cubic-bezier(0.22,1,0.36,1), transform 0.9s cubic-bezier(0.22,1,0.36,1);
}
.reveal.visible { opacity: 1; transform: none; }

/* ---------- reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; }
  .reveal, .ht-line > span { opacity: 1 !important; transform: none !important; }
  .marquee-track { animation: none; }
  .grain { animation: none; }
}

/* ============================================================
   АДАПТИВ
   ============================================================ */

@media (max-width: 1080px) {
  .srv-grid { grid-template-columns: repeat(2, 1fr); }
  .srv-lg { grid-row: auto; }
  .srv-lg .srv-media { aspect-ratio: 16/9; }
}

@media (max-width: 900px) {
  .nav, .btn-header { display: none; }
  .srv-card.srv-wide { flex-direction: column; }
  .srv-wide .srv-media { flex: none; aspect-ratio: 16/9; min-height: 0; }
  .srv-wide .srv-media img { position: static; }
  .srv-wide .srv-media::after { background: linear-gradient(180deg, rgba(11,10,8,0.05) 40%, rgba(20,17,12,0.92) 100%); }
  .srv-wide .srv-body { padding: 24px 26px 28px; }
  .srv-wide .srv-num { top: -46px; bottom: auto; right: 18px; }
  .burger { display: block; }
  .hero-in { grid-template-columns: 1fr; gap: 20px; }
  .hero-visual { order: -1; min-height: 0; padding: 8px 0 0; }
  .hero-drop { width: clamp(92px, 22vw, 130px); }
  .hero-ring { width: min(190px, 46vw); }
  .hero-ring-2 { width: min(250px, 60vw); }
  .hero-glow { width: 260px; height: 260px; }
  .hero-bottom { display: none; }
  .about-in { grid-template-columns: 1fr; }
  .about-media { max-width: 440px; }
  .faq-in { grid-template-columns: 1fr; }
  .faq .section-head { position: static; }
  .contacts-in { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  body { font-size: 15px; }
  /* шапка: даём логотипу воздух у кромки экрана и убираем перевес метки над словесным знаком */
  :root { --header-h: 64px; }
  /* fixed привязан к layout-вьюпорту: когда на телефоне уезжает адресная строка, шапка
     оказывается выше видимой области и её верх срезает. sticky — часть прокручиваемого
     содержимого, уехать выше экрана физически не может. transform здесь не ставим:
     он создаёт containing block и ломает sticky. */
  .header { position: sticky; top: 0; }
  /* герой уходит под шапку, чтобы фон остался full-bleed (шапка сверху по z-index) */
  .hero { margin-top: calc(-1 * var(--header-h)); }
  /* backdrop-filter на прилипшей шапке — лишний пересчёт каждый кадр; фон непрозрачный */
  .header.scrolled { background: #0b0a08; backdrop-filter: none; -webkit-backdrop-filter: none; }
  .header-in { width: 100%; padding: 0 16px; gap: 12px; }
  /* компактный KZ/RU — помещается рядом с логотипом и бургером на 360px */
  .header .lang-switch { padding: 2px; }
  .header .lang-btn { font-size: 11px; padding: 5px 9px; letter-spacing: 0.03em; }
  .brand { gap: 10px; }
  .brand img { width: 16px; filter: drop-shadow(0 1px 4px rgba(212,168,67,0.28)); }
  .brand-text { font-size: 12.5px; letter-spacing: 0.04em; }
  .srv-grid { grid-template-columns: 1fr; }
  /* арка занимала почти весь экран (328px -> 437px высоты); ужимаем и центрируем */
  .about-media { max-width: 250px; margin: 0 auto; }
  .about-media img { aspect-ratio: 4/5; border-radius: 125px 125px var(--radius) var(--radius); }
  .about-tag { left: 12px; bottom: 12px; font-size: 11.5px; padding: 7px 12px; }
  .hero { padding-top: calc(var(--header-h) + 12px); }
  .hero-sub { font-size: 15.5px; }
  .hero-cta .btn { flex: 1 1 auto; }
  .flow-step { padding-left: 56px; gap: 16px; }
  .flow-step::before { left: 15px; }
  .flow-line { left: -6px; }
  .flow-num { font-size: 1.9rem; }
  .marquee { transform: rotate(-1.6deg) scale(1.04); }
  .wa-float { right: 14px; bottom: 14px; width: 52px; height: 52px; }
  .footer-in { flex-direction: column; }
}

/* ---------- блок раскрытий по условиям кредитования ---------- */
.disclosure-section { padding: clamp(40px, 6vw, 70px) 0; }
.disclosure-card {
  border: 1px solid var(--line); border-radius: var(--radius);
  padding: clamp(22px, 4vw, 38px);
  background: rgba(255, 255, 255, 0.015);
}
.disclosure-title {
  font-family: var(--font-d);
  font-size: clamp(19px, 2.4vw, 25px); color: var(--champ);
  margin-bottom: 18px; line-height: 1.25;
}
.disclosure-card h3 {
  font-size: 15px; color: var(--gold); font-weight: 600;
  margin: 22px 0 8px; letter-spacing: 0.01em;
}
.disclosure-card p {
  color: var(--muted); font-size: 14.5px; line-height: 1.7; max-width: 780px;
}
.disclosure-addr { margin-top: 22px; padding-top: 18px; border-top: 1px solid var(--line); }
@media (max-width: 640px) {
  .disclosure-card p { font-size: 14px; }
  .disclosure-card h3 { margin-top: 18px; }
}