/* ZaymHub — премиум-дизайн-система (доверие, YMYL). Общая для всех страниц. */
:root{
  --bg:#f4f6fb; --card:#fff; --ink:#16202e; --muted:#5b6675; --soft:#8a93a4;
  --line:#e7ebf3; --line2:#eef1f7;
  --blue:#2f6fed; --blue-d:#2159d0; --blue-bg:#eef4ff;
  --green:#12a150; --green-bg:#e9f7ef; --green-ink:#0b6b38;
  --amber:#f5a623; --red:#e0483d;
  --r:16px; --r-sm:11px;
  --sh-1:0 1px 2px rgba(16,24,40,.06),0 1px 3px rgba(16,24,40,.05);
  --sh-2:0 6px 16px rgba(16,24,40,.07),0 20px 40px rgba(16,24,40,.06);
  --wrap:1140px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  background:var(--bg);color:var(--ink);line-height:1.5;font-size:16px}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 18px}
h1,h2,h3{letter-spacing:-.01em;line-height:1.25}

/* ---------- header ---------- */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.hdr-in{display:flex;align-items:center;gap:12px;padding:11px 18px;max-width:var(--wrap);margin:0 auto}
.logo{display:flex;align-items:center;gap:11px;min-width:0}
.logo-mark{flex:0 0 auto;width:40px;height:40px;border-radius:11px;background:linear-gradient(135deg,var(--blue),#6a4bf0);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:20px}
.logo-t{min-width:0}
.logo-t b{display:block;font-size:16px;font-weight:800;white-space:nowrap}
.logo-t span{display:block;font-size:11.5px;color:var(--muted);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.hdr-nav{margin-left:auto;display:flex;align-items:center;gap:20px}
.hdr-nav a{color:var(--ink);font-size:14px;font-weight:600}
.age{flex:0 0 auto;border:1px solid var(--line);color:var(--soft);font-size:11px;font-weight:700;border-radius:6px;padding:3px 6px}
.hdr-cta{flex:0 0 auto;background:var(--blue);color:#fff;font-weight:700;font-size:14px;padding:9px 18px;border-radius:999px;white-space:nowrap}
.hdr-cta:hover{background:var(--blue-d);text-decoration:none}

/* ---------- hero ---------- */
.hero{padding:34px 0 8px;text-align:center}
.hero h1{font-size:32px;line-height:1.18}
.hero .sub{margin-top:10px;color:var(--muted);font-size:17px;max-width:640px;margin-left:auto;margin-right:auto}
.hero .src{display:inline-flex;align-items:center;gap:7px;margin-top:14px;font-size:13px;font-weight:600;color:var(--muted)}
.hero .src svg{width:18px;height:18px;fill:#f00}

/* ---------- trust strip ---------- */
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:22px 0 4px}
.trust .t{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:16px 14px;display:flex;align-items:center;gap:11px;box-shadow:var(--sh-1)}
.trust .t b{display:block;font-size:14px}
.trust .t span{display:block;color:var(--muted);font-size:12.5px;margin-top:1px}
.ic-trust{width:26px;height:26px;flex:0 0 auto}
.t-blue{color:var(--blue)} .t-green{color:var(--green)} .t-amber{color:var(--amber)}

/* ---------- calculator ---------- */
.calc{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-1);padding:22px;margin:20px 0}
.calc h2{font-size:18px;margin-bottom:16px}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.sl label{display:flex;justify-content:space-between;font-size:13.5px;color:var(--muted);margin-bottom:10px}
.sl output{font-weight:800;color:var(--ink);font-size:16px}
input[type=range]{width:100%;-webkit-appearance:none;appearance:none;height:6px;border-radius:3px;background:linear-gradient(to right,var(--blue) var(--fill,50%),#e2e8f2 var(--fill,50%));outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:28px;height:28px;border-radius:50%;background:#fff;border:2px solid var(--blue);box-shadow:0 1px 5px rgba(0,0,0,.25);cursor:pointer}
input[type=range]::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:#fff;border:2px solid var(--blue);box-shadow:0 1px 5px rgba(0,0,0,.25);cursor:pointer}

/* ---------- section heads ---------- */
.sec-head{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin:26px 0 12px}
.sec-head h2{font-size:22px}
.sec-head .cnt{color:var(--soft);font-size:14px}

/* ---------- offers grid + premium card ---------- */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,340px),1fr));gap:16px;margin:6px 0 8px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-1);padding:20px;display:flex;flex-direction:column;gap:12px;position:relative;transition:transform .16s,box-shadow .16s}
.card:hover{transform:translateY(-3px);box-shadow:var(--sh-2)}
.card.hide{display:none}
.card.featured{border-color:#bfe3cd;box-shadow:0 0 0 3px var(--green-bg),var(--sh-1)}
.feat-tag{position:absolute;top:-11px;left:18px;display:inline-flex;align-items:center;gap:4px;background:var(--green);color:#fff;font-size:11px;font-weight:800;padding:4px 11px;border-radius:999px}
.feat-tag .ic{width:12px;height:12px}
.c-top{display:flex;align-items:center;gap:13px}
.c-logo{flex:0 0 auto;width:56px;height:56px;border-radius:13px;color:#fff;font-weight:800;font-size:23px;display:flex;align-items:center;justify-content:center;overflow:hidden;border:1px solid var(--line2);background:#fff}
.c-logo.letter{border:0}
.c-logo img{width:100%;height:100%;object-fit:contain;padding:5px}
.c-head{min-width:0;flex:1}
.c-head h3{font-size:19px;font-weight:800}
.c-head h3 a{color:var(--ink)}
.c-rate{display:flex;align-items:center;gap:5px;font-size:13px;color:var(--muted);margin-top:2px}
.c-rate .stars{color:var(--amber);letter-spacing:1px;font-size:13px}
.c-badges{display:flex;flex-wrap:wrap;gap:7px}
.badge{display:inline-flex;align-items:center;gap:4px;font-size:12px;font-weight:700;padding:4px 10px;border-radius:999px;background:#eef1f6;color:#3b4356}
.badge.b-zero{background:var(--green-bg);color:var(--green-ink)}
.badge.b-fast{background:var(--blue-bg);color:var(--blue-d)}
.ic{width:14px;height:14px;flex:0 0 auto;vertical-align:-2px}
.c-info{display:grid;grid-template-columns:1fr 1fr;gap:11px 14px;padding:14px 0;border-top:1px solid var(--line2);border-bottom:1px solid var(--line2)}
.c-info .k{color:var(--muted);font-size:12px;margin-bottom:2px}
.c-info .val{font-weight:800;font-size:15px}
.c-zero{display:flex;align-items:flex-start;gap:7px;background:var(--green-bg);border-radius:var(--r-sm);padding:10px 12px;font-size:13px;color:var(--green-ink)}
.c-zero .ic{width:16px;height:16px;margin-top:1px}
.c-calc{border-radius:var(--r-sm);padding:10px 12px;font-size:13px;background:var(--blue-bg);color:#0b3d91;border:1px dashed #bcd2f7}
.c-bottom{margin-top:auto;display:flex;flex-direction:column;gap:12px}
.c-cta-wrap{display:flex;flex-direction:column;gap:8px}
.c-cta{display:block;text-align:center;background:var(--blue);color:#fff;font-weight:800;font-size:16px;padding:14px;border-radius:12px;box-shadow:0 2px 6px rgba(47,111,237,.25);transition:background .15s,transform .1s}
.c-cta:hover{background:var(--blue-d);text-decoration:none}
.c-cta:active{transform:translateY(1px)}
.c-more{display:block;text-align:center;font-size:13.5px;font-weight:600;min-height:20px;line-height:20px}
.c-video{display:flex;align-items:center;justify-content:center;gap:6px;font-size:13px;font-weight:600;color:var(--blue);margin-top:2px}
.c-video .ic{width:15px;height:15px}
.c-meta{display:flex;flex-direction:column;gap:4px;margin-top:2px}
.c-ad{font-size:10.5px;color:#a7adbd;line-height:1.35}
.c-legal{font-size:10.5px;color:#9aa2b1;line-height:1.35}

/* featured note */
.feat-note{display:none;margin:14px 0 0;background:var(--green-bg);border:1px solid #bfe3cd;color:var(--green-ink);border-radius:var(--r);padding:12px 16px;font-size:14.5px;font-weight:600;text-align:center}

/* advice + warning */
.advice{display:flex;align-items:flex-start;gap:10px;background:#fff8ea;border:1px solid #f3e2b5;border-radius:var(--r);padding:14px 16px;margin:18px 0 6px;font-size:14px;color:#6b5410;line-height:1.45}
.ic-adv{width:20px;height:20px;flex:0 0 auto;color:var(--amber);margin-top:1px}
.warn-line{font-size:12.5px;color:var(--muted);text-align:center;margin:16px auto 26px;line-height:1.5;max-width:820px}

/* ---------- breadcrumbs ---------- */
.crumbs{font-size:13px;color:var(--muted);padding:16px 0 2px}
.crumbs a{color:var(--muted)}
.crumbs a:hover{color:var(--blue)}
.crumbs span{color:var(--soft)}

/* ---------- article (mfo / category pages) ---------- */
.article{background:var(--card);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-1);padding:26px 30px;margin:14px 0}
.article-head{display:flex;align-items:center;gap:16px;margin-bottom:6px}
.article-head .c-logo{width:64px;height:64px;border-radius:15px}
.article-head h1{font-size:27px}
.article-head .sub{color:var(--muted);font-size:14px;margin-top:3px}
.art h2{font-size:21px;margin:26px 0 12px}
.art h3{font-size:17px;margin:18px 0 8px}
.art p{margin:0 0 12px;color:#2a3444}
.art ul,.art ol{margin:0 0 14px;padding-left:22px}
.art li{margin:6px 0;color:#2a3444}
.art strong{color:var(--ink)}
.art .lead{font-size:17px;color:#38414f}

/* key-conditions table on mfo page */
.kv{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:14px 0 20px}
.kv .box{background:#f8fafd;border:1px solid var(--line2);border-radius:var(--r-sm);padding:12px 14px}
.kv .k{color:var(--muted);font-size:12.5px}
.kv .v{font-weight:800;font-size:16px;margin-top:2px}

/* pros / cons */
.pc{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:14px 0 20px}
.pc .col{border-radius:var(--r-sm);padding:14px 16px}
.pc .pros{background:var(--green-bg);border:1px solid #c7e9d3}
.pc .cons{background:#fdeeec;border:1px solid #f4cfca}
.pc h3{font-size:15px;margin:0 0 8px}
.pc ul{list-style:none;padding:0;margin:0}
.pc li{position:relative;padding-left:24px;margin:8px 0;font-size:14px}
.pc .pros li::before{content:"+";position:absolute;left:4px;top:-1px;color:var(--green);font-weight:800}
.pc .cons li::before{content:"–";position:absolute;left:6px;top:-1px;color:var(--red);font-weight:800}

/* steps */
.steps{counter-reset:st;list-style:none;padding:0;margin:14px 0 20px}
.steps li{position:relative;padding:2px 0 14px 46px;margin:0}
.steps li::before{counter-increment:st;content:counter(st);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:14px}
.steps li b{display:block;margin-bottom:2px}
.steps li .t{color:#2a3444;font-size:14px}

/* inline CTA block on article */
.cta-box{background:linear-gradient(135deg,#f0f5ff,#eef7f1);border:1px solid #d5e3f7;border-radius:var(--r);padding:20px 22px;margin:22px 0;text-align:center}
.cta-box h3{font-size:18px;margin-bottom:6px}
.cta-box p{color:var(--muted);font-size:13.5px;margin-bottom:14px}
.cta-box .c-cta{display:inline-block;padding:14px 34px}
.cta-box .ad{font-size:10.5px;color:#a7adbd;margin-top:10px}

/* faq */
.faq{margin:8px 0 28px}
.faq h2{font-size:22px;margin-bottom:12px}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:var(--r-sm);padding:14px 16px;margin-bottom:9px;box-shadow:var(--sh-1)}
.faq summary{font-weight:700;cursor:pointer;font-size:15px;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--soft);font-weight:800}
.faq details[open] summary::after{content:"–"}
.faq details p{margin-top:10px;color:var(--muted);font-size:14px;line-height:1.55}

/* other-offers strip on mfo page */
.others{margin:24px 0}

/* ---------- footer ---------- */
.ftr{background:#161d2b;color:#9aa3b8;padding:34px 0 96px;font-size:12.5px;line-height:1.6;margin-top:26px}
.ftr .wrap>*{margin-bottom:13px}
.ftr b{color:#dbe0ea;font-size:14px}
.ftr-links{display:flex;flex-wrap:wrap;gap:16px;margin-bottom:16px!important}
.ftr-links a{color:#c3cbdb;font-weight:600}
.ftr-cats{display:flex;flex-wrap:wrap;align-items:center;gap:9px 14px;margin-bottom:16px!important}
.ftr-cats b{margin-right:2px}
.ftr-cats a{color:#aab3c7;font-weight:500;font-size:12.5px}
.ftr-cats a:hover{color:#dbe0ea}
.ftr .legal-orgs{font-size:11px;color:#7c869d}
.ftr a{color:#b9c2d8}

/* sticky mobile cta */
.mcta{display:none;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,.97);border-top:1px solid var(--line);box-shadow:0 -4px 16px rgba(16,24,40,.08)}
.mcta a{display:block;text-align:center;background:var(--blue);color:#fff;font-weight:800;font-size:16px;padding:14px;border-radius:12px}
.mcta a:hover{text-decoration:none}

/* exit popup */
.xo{display:none;position:fixed;inset:0;z-index:80;background:rgba(16,22,34,.55);align-items:center;justify-content:center;padding:16px}
.xo.on{display:flex}
.xp{background:#fff;border-radius:18px;max-width:440px;width:100%;padding:24px;box-shadow:0 24px 64px rgba(0,0,0,.3)}
.xp h3{font-size:19px;margin-bottom:5px}
.xp p{font-size:13.5px;color:var(--muted);margin-bottom:16px}
.xp-row{display:flex;align-items:center;gap:11px;border:1px solid var(--line);border-radius:12px;padding:11px 13px;margin-bottom:9px}
.xp-row .c-logo{width:40px;height:40px;font-size:17px;border-radius:10px}
.xp-row .xp-t{min-width:0;flex:1}
.xp-row .xp-t b{display:block;font-size:14.5px}
.xp-row .xp-t span{display:block;font-size:12px;color:var(--muted);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.xp-row a{flex:0 0 auto;background:var(--blue);color:#fff;font-size:13px;font-weight:700;padding:9px 14px;border-radius:9px}
.xp-close{display:block;width:100%;margin-top:10px;background:none;border:none;color:var(--muted);font-size:13px;cursor:pointer;padding:8px}

@media (prefers-reduced-motion: reduce){*,*::before,*::after{animation:none!important;transition:none!important}}
@media(max-width:820px){
  .article{padding:20px 18px}
  .hero h1{font-size:25px}.hero .sub{font-size:15px}
}
@media(max-width:680px){
  .hero h1{font-size:22px}
  .trust{grid-template-columns:1fr;gap:8px}
  .trust .t{padding:12px 14px}
  .calc-row{grid-template-columns:1fr;gap:18px}
  .pc,.kv{grid-template-columns:1fr}
  .hdr-nav{display:none}
  .mcta.on{display:block}
  .article-head{flex-direction:column;text-align:center;gap:10px}
}