/* ===== palata.kz — минимализм, доверие, синяя палитра ===== */
:root{
  --blue:#1657d0; --blue-dark:#0f3d97; --blue-050:#eef3ff; --blue-100:#dbe6ff;
  --ink:#0e1526; --text:#26303f; --muted:#6b7688; --line:#e7ebf2;
  --bg:#f6f8fc; --card:#ffffff; --ok:#129a5b; --ok-bg:#e7f7ee;
  --new:#8a5cf6; --new-bg:#f0eaff; --warn:#e8590c;
  --shadow:0 1px 2px rgba(16,32,64,.06), 0 6px 20px rgba(16,32,64,.06);
  --radius:14px; --radius-sm:10px; --wrap:1120px;
  --font:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--text);background:var(--bg);line-height:1.55;font-size:16px}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{color:var(--ink);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(1.6rem,3.4vw,2.4rem);letter-spacing:-.02em}
h2{font-size:clamp(1.25rem,2.4vw,1.65rem);letter-spacing:-.01em}
h3{font-size:1.15rem}
p{margin:0 0 1rem}
img{max-width:100%}
.container{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.muted{color:var(--muted)}
.small{font-size:.85rem}
.center{text-align:center}
.link{font-weight:600;white-space:nowrap}

/* ===== header ===== */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.topbar{background:var(--blue-050);border-bottom:1px solid var(--blue-100);font-size:.82rem}
.topbar__row{display:flex;justify-content:space-between;padding:7px 20px}
.topbar__item{color:var(--blue-dark)}
.topbar__muted{color:var(--muted)}
.header__row{display:flex;align-items:center;gap:24px;padding:14px 20px}
.logo{display:inline-flex;align-items:center;gap:10px;font-weight:800;font-size:1.25rem;color:var(--ink)}
.logo:hover{text-decoration:none}
.logo__mark{display:grid;place-items:center;width:34px;height:34px;border-radius:9px;background:var(--blue);color:#fff;font-weight:800}
.logo__dot{color:var(--blue)}
.nav{display:flex;gap:6px;margin-left:auto;flex-wrap:wrap}
.nav__link{padding:8px 12px;border-radius:8px;color:var(--text);font-weight:500;font-size:.95rem}
.nav__link:hover{background:var(--blue-050);color:var(--blue-dark);text-decoration:none}
.header__actions{display:flex;align-items:center;gap:8px;margin-left:12px}
.lang-switch{display:inline-flex;align-items:center;justify-content:center;min-width:44px;padding:8px 10px;border:1px solid var(--line);border-radius:8px;font-weight:700;font-size:.85rem;color:var(--blue-dark);background:#fff}
.lang-switch:hover{background:var(--blue-050);text-decoration:none}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{width:24px;height:2px;background:var(--ink);border-radius:2px}

/* ===== breadcrumbs ===== */
.breadcrumbs{padding:14px 20px 0;font-size:.85rem;color:var(--muted)}
.breadcrumbs .sep{margin:0 7px;color:var(--line)}
.breadcrumbs .current{color:var(--text)}

/* ===== hero ===== */
.hero{background:linear-gradient(180deg,var(--blue-050),#fff);border-bottom:1px solid var(--line);padding:40px 0 32px}
.hero--conversion{padding:48px 0 28px}
.hero__grid{display:grid;grid-template-columns:1.1fr .9fr;gap:32px;align-items:center}
.hero__content{min-width:0}
.hero__visual{display:flex;justify-content:center}
.hero__illustration{max-width:100%;height:auto;filter:drop-shadow(var(--shadow))}
.hero__eyebrow{margin:0 0 10px;font-size:.88rem;font-weight:600;color:var(--blue-dark)}
.hero__title{max-width:18ch;margin-bottom:14px}
.hero__lead{font-size:1.12rem;color:var(--text);max-width:52ch;margin-bottom:22px}
.hero__cta{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:18px}
.hero__trust{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:18px}
.hero__trust-item{font-size:.82rem;color:var(--muted);background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 12px}
.hero__stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;max-width:640px}
.hero__stat{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:12px 14px}
.hero__stat b{display:block;font-size:1.15rem;color:var(--blue-dark)}
.hero__stat span{font-size:.8rem;color:var(--muted)}
.hero__expert-wrap{margin-top:8px}
.btn--lg{padding:13px 20px;font-size:1rem}
.btn--secondary{background:#fff;color:var(--blue-dark);border:1px solid var(--blue);box-shadow:none}
.btn--secondary:hover{background:var(--blue-050);text-decoration:none}

/* ===== sections ===== */
.main{padding-bottom:48px}
.section{margin:34px 0}
.section__head{display:flex;align-items:baseline;justify-content:space-between;gap:16px;margin-bottom:14px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.page-head{padding-top:26px}
.lead{font-size:1.08rem;max-width:70ch}

/* ===== expert box ===== */
.expert{display:flex;gap:14px;align-items:center;background:#fff;border:1px solid var(--line);border-left:3px solid var(--blue);border-radius:var(--radius-sm);padding:12px 16px;margin:14px 0;max-width:560px}
.expert__avatar{flex:0 0 46px;width:46px;height:46px;border-radius:50%;background:var(--blue-050);color:var(--blue-dark);display:grid;place-items:center;font-weight:800;font-size:1.2rem}
.expert__check{color:var(--ok);font-weight:600;font-size:.85rem}
.expert__name{font-weight:700;color:var(--ink)}
.expert__role{font-size:.9rem;color:var(--text);line-height:1.45}
.expert__link{display:inline-block;margin-top:6px;color:var(--blue-dark);font-weight:600;text-decoration:none}
.expert__link:hover{text-decoration:underline}

/* ===== calculator ===== */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px;margin:24px 0}
.calc__title{margin-bottom:16px}
.calc__grid{display:grid;grid-template-columns:1fr 1fr .9fr;gap:24px;align-items:start}
.calc__control label{display:block;font-weight:600;margin-bottom:10px;color:var(--ink)}
.calc__control output{color:var(--blue-dark)}
.calc input[type=range]{width:100%;accent-color:var(--blue)}
.calc__scale{display:flex;justify-content:space-between;font-size:.75rem;color:var(--muted);margin-top:4px}
.calc__result{background:var(--blue-050);border-radius:var(--radius-sm);padding:16px}
.calc__row{display:flex;justify-content:space-between;align-items:center;padding:6px 0}
.calc__row b{font-size:1.1rem;color:var(--ink)}
.calc__note{margin:12px 0 0}

/* ===== mfo list ===== */
.mfo-list{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff;box-shadow:var(--shadow)}
.mfo-list__head{display:grid;grid-template-columns:2.4fr 1fr 1.2fr .9fr .9fr 1.3fr;gap:12px;padding:12px 18px;background:#fbfcfe;border-bottom:1px solid var(--line);font-size:.78rem;text-transform:uppercase;letter-spacing:.03em;color:var(--muted)}
.mfo-row{display:grid;grid-template-columns:2.4fr 1fr 1.2fr .9fr .9fr 1.3fr;gap:12px;align-items:center;padding:16px 18px;border-bottom:1px solid var(--line)}
.mfo-row:last-child{border-bottom:0}
.mfo-row:hover{background:#fbfcff}
.mfo-row__brand{display:flex;align-items:center;gap:12px}
.mfo-row__rank{color:var(--muted);font-weight:700;width:16px;text-align:center}
.mfo-logo{flex:0 0 42px;width:42px;height:42px;border-radius:10px;background:var(--brand,#1657d0);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.15rem;overflow:hidden}
.mfo-logo__img{width:100%;height:100%;object-fit:contain;background:#fff;padding:4px}
.mfo-logo--lg{width:64px;height:64px;font-size:1.7rem;border-radius:14px}
.mfo-row__name a{font-weight:700;color:var(--ink)}
.mfo-row__rating{display:block;font-size:.8rem;color:var(--muted);margin-top:3px}
.stars{color:#f5a524;letter-spacing:-1px}
.mfo-row__cell b{color:var(--ink)}
.mfo-row__cell .small{display:block}
.approval{display:inline-block;background:var(--ok-bg);color:var(--ok);font-weight:700;padding:3px 9px;border-radius:20px;font-size:.9rem}
.mfo-row__cta{display:flex;flex-direction:column;gap:6px}
.badge{display:inline-block;font-size:.72rem;font-weight:600;padding:2px 8px;border-radius:20px;margin-left:6px;vertical-align:middle}
.badge--ok{background:var(--ok-bg);color:var(--ok)}
.badge--new{background:var(--new-bg);color:var(--new)}
.empty{padding:24px;text-align:center;color:var(--muted)}

/* ===== buttons ===== */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;font-weight:700;font-size:.92rem;padding:10px 16px;border-radius:10px;border:1px solid transparent;cursor:pointer;transition:.15s;white-space:nowrap}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn--primary{background:var(--blue);color:#fff}
.btn--primary:hover{background:var(--blue-dark);color:#fff}
.btn--ghost{background:#fff;border-color:var(--line);color:var(--text)}
.btn--ghost:hover{border-color:var(--blue);color:var(--blue-dark)}
.btn--block{width:100%;margin-top:10px}
.btn--lg{padding:14px 26px;font-size:1.05rem}
.btn--offer{font-weight:800}

/* ===== partner offer / ads ===== */
.offer-cta--btn{display:flex;flex-direction:column;align-items:stretch;gap:4px}
.offer-cta--btn .btn--offer{width:100%}
.offer-cta__badge{font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);text-align:center}
.offer-ad{position:relative;border:1px solid var(--blue-100);background:linear-gradient(180deg,#fff,var(--blue-050));padding:22px}
.offer-ad__top{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:12px;flex-wrap:wrap}
.offer-ad__badge{display:inline-block;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);background:#fff;border:1px solid var(--line);border-radius:6px;padding:3px 8px}
.offer-ad__brand{display:flex;align-items:center;gap:8px}
.offer-ad__partner{font-weight:700;color:var(--ink);font-size:.95rem}
.offer-ad__title{margin:0 0 6px;font-size:1.15rem}
.offer-ad__subtitle{margin:0 0 14px;color:var(--text)}
.offer-ad__disclosure{margin:10px 0 0}
.mfo-logo--sm{width:32px;height:32px;flex:0 0 32px;border-radius:8px}
.calc .offer-cta--btn{margin-top:10px}
.calc .offer-cta--btn .btn--offer{width:100%;padding:14px 16px}
.brand-cta{max-width:520px;margin-top:18px}

/* ===== chips ===== */
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chips.center{justify-content:center}
.chip{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:22px;padding:8px 16px;font-weight:500;color:var(--text);font-size:.92rem}
.chip:hover{border-color:var(--blue);color:var(--blue-dark);text-decoration:none;background:var(--blue-050)}
.chip--filter{cursor:pointer}
.chip--filter.is-active{background:var(--blue);color:#fff;border-color:var(--blue)}
.filters{display:flex;gap:10px;margin-bottom:14px;flex-wrap:wrap}

/* ===== cards / prose ===== */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow)}
.card--pros{border-top:3px solid var(--ok)}
.card--cons{border-top:3px solid var(--warn)}
.prose{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.prose--wide{max-width:820px}
.prose h2{margin-top:0}
.ticks,.crosses{list-style:none;padding:0;margin:0}
.ticks li,.crosses li{position:relative;padding:6px 0 6px 28px}
.ticks li::before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:800}
.crosses li::before{content:"–";position:absolute;left:0;color:var(--warn);font-weight:800}
.steps{list-style:none;counter-reset:s;padding:0;margin:0}
.steps li{position:relative;padding:6px 0 14px 44px;counter-increment:s}
.steps li::before{content:counter(s);position:absolute;left:0;top:4px;width:30px;height:30px;background:var(--blue-050);color:var(--blue-dark);border-radius:50%;display:grid;place-items:center;font-weight:800}
.steps li b{display:block;color:var(--ink)}
.steps li span{color:var(--muted);font-size:.92rem}

.callout{background:var(--blue-050);border:1px solid var(--blue-100);border-radius:var(--radius);padding:22px}
.callout h2{margin-top:0}

/* ===== brand ===== */
.brand-head{display:flex;gap:18px;align-items:center}
.brand-head__meta{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-top:6px;flex-direction:column;align-items:flex-start}
.brand-head__legal{display:block;line-height:1.4}
.specs{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.spec{background:#fff;padding:16px}
.spec span{display:block;color:var(--muted);font-size:.82rem;margin-bottom:4px}
.spec b{font-size:1.05rem;color:var(--ink)}
.brand-cta{margin-top:18px;display:flex;align-items:center;gap:14px;flex-wrap:wrap}

/* ===== faq ===== */
.faq__list{display:grid;gap:10px}
.faq__item{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:2px 18px}
.faq__item summary{cursor:pointer;font-weight:600;color:var(--ink);padding:14px 0;list-style:none}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary::after{content:"+";float:right;color:var(--blue);font-weight:800}
.faq__item[open] summary::after{content:"–"}
.faq__answer{padding:0 0 14px;color:var(--text)}
.contacts{list-style:none;padding:0}
.contacts li{padding:6px 0}

/* ===== reviews ===== */
.reviews-layout{align-items:start}
.review-form{display:grid;gap:14px;padding:20px}
.field{display:grid;gap:6px}
.field span{font-weight:600;font-size:.92rem;color:var(--ink)}
.field input,.field select,.field textarea{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fff}
.field textarea{resize:vertical;min-height:120px}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.alert{padding:12px 16px;border-radius:10px;margin-bottom:16px}
.alert--ok{background:var(--ok-bg);color:var(--ok);border:1px solid #b8e6cc}
.review-list{display:grid;gap:12px}
.review-card__head{display:flex;justify-content:space-between;gap:12px;align-items:center;margin-bottom:6px}
.review-card__mfo{font-size:.88rem;color:var(--muted);margin-bottom:8px}

/* ===== footer ===== */
.site-footer{background:var(--ink);color:#c7d0de;margin-top:40px;padding:40px 0 24px}
.footer__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:28px}
.logo--footer .logo__mark{background:var(--blue)}
.logo--footer .logo__text{color:#fff}
.footer__about{color:#9aa6b8;font-size:.92rem}
.footer__reg{color:#7d8798;font-size:.82rem}
.footer__title{color:#fff;font-size:.95rem;margin-bottom:12px}
.footer__col a{display:block;color:#c7d0de;padding:4px 0;font-size:.92rem}
.footer__col a:hover{color:#fff}
.footer__city-list{display:grid;grid-template-columns:1fr 1fr;gap:0 12px}
.footer__disclosure{border-top:1px solid #26324a;margin-top:28px;padding-top:20px;font-size:.82rem;color:#9aa6b8}
.footer__disclaimer{color:#7d8798}
.footer__bottom{margin-top:16px;font-size:.82rem;color:#7d8798}

/* ===== responsive ===== */
@media (max-width:900px){
  .grid-2{grid-template-columns:1fr}
  .hero__grid{grid-template-columns:1fr}
  .hero__visual{order:-1}
  .calc__grid{grid-template-columns:1fr}
  .footer__grid{grid-template-columns:1fr 1fr}
  .mfo-list__head{display:none}
  .mfo-row{grid-template-columns:1fr 1fr;gap:10px;padding:16px}
  .mfo-row__brand{grid-column:1 / -1}
  .mfo-row__cell{font-size:.95rem}
  .mfo-row__cell::before{content:attr(data-label);display:block;font-size:.72rem;text-transform:uppercase;color:var(--muted);letter-spacing:.03em}
  .mfo-row__cta{grid-column:1 / -1;flex-direction:row}
  .mfo-row__cta .btn{flex:1}
  .specs{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  .site-header .header__row{position:relative;flex-wrap:wrap}
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;padding:10px 20px;box-shadow:var(--shadow);margin-left:0}
  .nav.is-open{display:flex}
  .header__actions{margin-left:auto}
  .nav-toggle{display:flex}
  .hero__stats{grid-template-columns:1fr 1fr}
}
@media (max-width:520px){
  .footer__grid{grid-template-columns:1fr}
  .specs{grid-template-columns:1fr}
}