:root{
  --bg: #ffffff;
  --text: #0b0f1a;
  --muted: rgba(11,15,26,.7);
  --border: rgba(11,15,26,.12);

  --brand-blue: #001a66;
  --brand-blue-2: #0a2a7a;
  --brand-accent: #0050b5;
  --white: #fff;
  --radius: 14px;
}

*{ box-sizing: border-box; }
html,body{ height:100%; }
body{
  margin:0;
  font-family: system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
}
a{ color: inherit; }

.skip-link{
  position:absolute;
  left:-999px;
  top:auto;
  width:1px;
  height:1px;
  overflow:hidden;
}
.skip-link:focus{
  left: 12px;
  top: 12px;
  width:auto;
  height:auto;
  padding:10px 12px;
  background:#fff;
  border:1px solid var(--border);
  border-radius:10px;
  z-index: 9999;
}

/* Header */
.site-header{
  position: relative;
  background: #fff;
}
.header-desktop{ display:none; }

.desktop-wrap{
  max-width: 100%;
  margin: 0 auto;
  padding: 0 clamp(16px, 3vw, 48px);
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 18px;
}

.desktop-topbar{
  height: 40px;
  display:flex;
  align-items:center;
  background: #f6f7f9;
  border-bottom: 1px solid rgba(11,15,26,.08);
  color: rgba(11,15,26,.82);
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  font-size: 12px;
}
.desktop-topbar .desktop-wrap{
  height: 100%;
  width: 100%;
}
.topbar-phone{
  display:inline-flex;
  align-items:center;
  gap: 8px;
  text-decoration:none;
  color: rgba(11,15,26,.80);
}
.topbar-icon{
  width: 16px;
  height: 16px;
  color: var(--brand-accent);
}
.topbar-links{
  display:flex;
  align-items:center;
  gap: 22px;
}
.topbar-links a{
  text-decoration:none;
  color: rgba(11,15,26,.78);
}
.topbar-links a:hover{ text-decoration: underline; }

.desktop-mainbar{
  background: #fff;
  border-bottom: 1px solid rgba(11,15,26,.10);
}
.desktop-mainbar-inner{
  min-height: 72px;
  /* 1fr | logo | 1fr => логотип строго по центру */
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  column-gap: 22px;
}
.desktop-nav{
  display:flex;
  align-items:center;
  gap: clamp(6px, .7vw, 12px);
  justify-self: start;
  align-self: stretch;
}
.desktop-nav a{
  text-decoration:none;
  color: rgba(11,15,26,.86);
  font-weight: 600;
  letter-spacing: -.01em;
  font-size: 17px;
  line-height: 1.15;
  /* как на скрине: допускаем переносы в 2 строки */
  max-width: 170px;
  white-space: normal;
}
.desktop-nav a:hover{ text-decoration: underline; }

.desktop-brand{
  flex: 0 0 auto;
  text-decoration:none;
  justify-self: center;
}
.desktop-logo{
  height: 30px;
  width: auto;
  display:block;
}

.desktop-actions{
  display:flex;
  align-items:center;
  justify-content:flex-end;
  gap: 16px;
  justify-self: end;
}
.desktop-icon-btn{
  appearance:none;
  border: 0;
  background: transparent;
  width: 44px;
  height: 44px;
  border-radius: 10px;
  color: rgba(11,15,26,.86);
  cursor:pointer;
}
.desktop-icon-btn:hover{ background: rgba(0,0,0,.04); }
.desktop-icon{
  width: 22px;
  height: 22px;
}
.desktop-login{
  display:inline-flex;
  align-items:center;
  gap: 10px;
  text-decoration:none;
  background: var(--brand-accent);
  color: #fff;
  height: 48px;
  padding: 0 22px;
  min-width: 160px;
  justify-content: center;
  border-radius: 0;
  font-weight: 500;
  letter-spacing: .14em;
  text-transform: uppercase;
  white-space: nowrap;
}
.desktop-login .desktop-icon{ width: 20px; height: 20px; color: #fff; }

.header-inner{
  height: 56px;
  position: sticky;
  top: 0;
  z-index: 60;
  background: #fff;
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 10px;
  padding: 0 14px;
  border-bottom: 1px solid var(--border);
}
.brand{
  display:flex;
  align-items:center;
  justify-content:center;
  text-decoration:none;
  min-width: 0;
}
.brand-logo{
  display:block;
  height: 24px;
  width: auto;
  max-width: min(240px, 60vw);
}
.header-link{
  text-decoration: none;
  color: var(--brand-accent);
  font-weight: 600;
  font-size: 14px;
  line-height: 1;
}
.icon-btn{
  appearance:none;
  border:0;
  background:transparent;
  color: var(--brand-accent);
  padding: 10px;
  border-radius: 10px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  cursor:pointer;
}
.icon-btn:focus-visible{
  outline: 3px solid rgba(0,80,181,.25);
  outline-offset: 2px;
}
.icon{
  width: 22px;
  height: 22px;
}

/* FDIC row under logo */
.header-fdic{
  padding: 8px 14px;
  border-bottom: 1px solid var(--border);
  background: #fff;
}
.fdic-logo{
  display:block;
  height: 22px;
  width: auto;
  max-width: min(520px, 92vw);
}

/* Alert bar */
.alert-bar{
  background: var(--brand-accent);
  color: #fff;
}
.alert-inner{
  display:flex;
  align-items:center;
  gap: 10px;
  padding: 12px 14px;
}
.alert-text{
  margin:0;
  font-size: 14px;
  font-weight: 600;
  line-height: 1.3;
  flex: 1 1 auto;
}
.alert-link{
  text-decoration: underline;
  font-weight: 800;
}
.alert-close{
  color: #fff;
  border: 1px solid rgba(255,255,255,.35);
  padding: 8px;
  border-radius: 999px;
}

/* When the alert is closed, add breathing room under FDIC row (mobile/tablet) */
@media (max-width: 1023.98px){
  body.alert-closed .page{
    padding-top: 12px;
  }
}

/* Desktop layout switch */
@media (min-width: 1024px){
  .header-desktop{ display:block; }
  .header-inner{ display:none; }
  .mobile-menu{ display:none !important; }

  .header-fdic{
    padding: 10px clamp(16px, 3vw, 48px);
    border-bottom: 0;
  }
  .header-fdic .fdic-logo{
    margin: 0 auto;
    height: 18px;
    max-width: 1200px;
  }

  .alert-inner{
    max-width: 100%;
    margin: 0 auto;
    padding: 12px clamp(16px, 3vw, 48px);
  }
  .alert-text{
    text-align: center;
    flex: 1 1 auto;
  }

  /* Center main content vertically on desktop */
  body{ --page-vcenter-offset: 210px; }
  body.alert-closed{ --page-vcenter-offset: 160px; }
  .page{
    min-height: calc(100vh - var(--page-vcenter-offset));
    display:flex;
    align-items:center;
    justify-content:center;
    padding: clamp(24px, 4vh, 60px) 0;
  }
  .live-chat{
    width: 100%;
    padding: 0 clamp(16px, 3vw, 48px);
  }
}

/* Mobile menu */
.mobile-menu{
  position: fixed;
  inset: 0;
  z-index: 100;
  display:none;
}
.mobile-menu[data-open="true"]{ display:block; }
.menu-backdrop{
  position:absolute;
  inset: 0;
  border:0;
  background: rgba(0,0,0,.35);
}
.menu-panel{
  position:absolute;
  inset: 0 auto 0 0;
  width: min(360px, 92vw);
  background: #fff;
  display:flex;
  flex-direction: column;
  box-shadow: 0 30px 80px rgba(0,0,0,.35);
}
.menu-top{
  height:56px;
  padding: 0 14px;
  display:flex;
  align-items:center;
  justify-content: space-between;
  border-bottom: 1px solid var(--border);
}
.brand--menu .brand-logo{ max-width: 210px; }
.menu-nav{
  padding: 10px 0;
}
.menu-item{
  display:block;
  padding: 16px 18px;
  text-decoration:none;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--brand-blue);
  border-bottom: 1px solid rgba(11,15,26,.08);
}
.menu-item:active{ background: rgba(0,80,181,.05); }

/* Page demo content */
.page{ min-height: 55vh; }
.demo{
  padding: 20px 14px 70px;
  max-width: 980px;
  margin: 0 auto;
}
.demo-title{
  margin: 14px 0 8px;
  font-size: 22px;
  letter-spacing: -.01em;
}
.demo-text{
  margin: 0;
  color: var(--muted);
  line-height: 1.5;
}

/* Live chat block (in our style) */
.live-chat{
  padding: 0 14px 26px;
  max-width: 980px;
  margin: 0 auto;
}
.live-chat-card{
  background: linear-gradient(180deg, rgba(0,80,181,.06), rgba(0,80,181,.02));
  border: 1px solid rgba(11,15,26,.10);
  border-radius: 18px;
  padding: 18px 16px;
  box-shadow: 0 12px 30px rgba(0,0,0,.06);
  position: relative;
  overflow: hidden;
}
.live-chat-card::before{
  content:"";
  position:absolute;
  left: 0;
  top: 14px;
  bottom: 14px;
  width: 4px;
  background: var(--brand-accent);
  border-radius: 999px;
  opacity: .9;
}
.live-chat-title{
  margin: 0 0 10px;
  padding-left: 10px;
  font-size: 28px;
  line-height: 1.06;
  font-weight: 300;
  letter-spacing: -.01em;
  color: var(--brand-blue);
}
.live-chat-text{
  margin: 0 0 10px;
  padding-left: 10px;
  color: rgba(11,15,26,.78);
  line-height: 1.55;
  font-size: 16px;
}

.live-chat-steps{
  margin-top: 18px;
  padding-top: 14px;
  border-top: 1px solid rgba(11,15,26,.10);
}
.live-chat-steps-title{
  margin: 0 0 10px;
  padding-left: 10px;
  font-size: 14px;
  letter-spacing: .12em;
  text-transform: uppercase;
  font-weight: 900;
  color: rgba(11,15,26,.82);
}
.steps{
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 12px;
}
.step{
  display: grid;
  grid-template-columns: 34px 1fr;
  gap: 12px;
  padding: 10px 10px 10px 0;
}
.step-num{
  width: 34px;
  height: 34px;
  border-radius: 999px;
  background: rgba(0,80,181,.10);
  color: var(--brand-accent);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
}
.step-title{
  font-weight: 900;
  letter-spacing: -.01em;
  color: rgba(11,15,26,.92);
}
.step-text{
  margin: 6px 0 0;
  color: rgba(11,15,26,.76);
  line-height: 1.5;
}

/* Lead form (phone -> backend -> Telegram) */
.lead-form{
  margin-top: 14px;
  padding: 12px 12px 10px;
  border: 1px solid rgba(11,15,26,.10);
  background: rgba(255,255,255,.55);
  border-radius: 14px;
}
.lead-label{
  display:block;
  font-weight: 900;
  font-size: 13px;
  letter-spacing: .02em;
  color: rgba(11,15,26,.86);
}
.lead-row{
  margin-top: 8px;
  display:flex;
  gap: 10px;
  align-items: stretch;
}
.lead-input{
  flex: 1 1 auto;
  min-width: 0;
  border-radius: 12px;
  border: 1px solid rgba(11,15,26,.16);
  padding: 12px 12px;
  font-size: 16px;
  outline: none;
  background: #fff;
}
.lead-input:focus{
  border-color: rgba(0,80,181,.45);
  box-shadow: 0 0 0 4px rgba(0,80,181,.12);
}
.lead-btn{
  flex: 0 0 auto;
  border: 0;
  border-radius: 12px;
  padding: 0 14px;
  min-width: 92px;
  font-weight: 900;
  background: var(--brand-accent);
  color: #fff;
  cursor: pointer;
  box-shadow: 0 10px 18px rgba(0,0,0,.14);
}
.lead-btn:disabled{
  opacity: .55;
  cursor: not-allowed;
  box-shadow: none;
}
.lead-meta{
  margin-top: 10px;
}
.lead-consent{
  display:flex;
  gap: 10px;
  align-items:flex-start;
  color: rgba(11,15,26,.78);
  font-size: 13px;
  line-height: 1.35;
}
.lead-check{
  margin-top: 2px;
}
.lead-help{
  margin: 8px 0 0;
  font-size: 12px;
  color: rgba(11,15,26,.62);
}
.lead-status{
  margin: 8px 0 0;
  font-size: 13px;
  font-weight: 800;
  color: rgba(11,15,26,.82);
}
.lead-status.is-ok{ color: #0b6b3a; }
.lead-status.is-err{ color: #a11a1a; }
.step-media{
  margin-top: 10px;
  /* растягиваем пример шире колонки текста (почти как в оригинале) */
  margin-left: calc(-1 * (34px + 12px));
  width: calc(100% + 34px + 12px);
  border: 1px dashed rgba(11,15,26,.18);
  background: rgba(0,80,181,.04);
  border-radius: 14px;
  padding: 0;
}
.step-media-img{
  display:block;
  width: 100%;
  height: auto;
  border-radius: 10px;
  background: #fff;
}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  text-decoration:none;
  font-weight: 800;
  border-radius: 12px;
  min-height: 50px;
  padding: 0 18px;
  letter-spacing: .01em;
  box-shadow: 0 10px 18px rgba(0,0,0,.14);
}
.btn-primary{
  margin-top: 6px;
  background: var(--brand-accent);
  color: #fff;
  border: 1px solid rgba(255,255,255,.0);
}
.live-chat-card > .btn.btn-primary{
  display: flex;
  width: fit-content;
  margin: 10px auto 0;
}
.btn-primary:hover{ filter: brightness(1.02); }
.btn-primary:active{ transform: translateY(1px); }
.btn:focus-visible{
  outline: 3px solid rgba(0,80,181,.25);
  outline-offset: 3px;
}

/* Footer */
.site-footer{
  background: radial-gradient(1200px 500px at 50% -140px, rgba(255,255,255,.10), transparent 60%),
              linear-gradient(180deg, var(--brand-blue), #00114a);
  color: #fff;
  padding: 22px 0 26px;
}
.footer-inner{
  padding: 0 clamp(16px, 3vw, 48px);
  max-width: 1200px;
  margin: 0 auto;
}
.footer-top{
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 14px;
  padding: 8px 0 18px;
}
.footer-brand{ flex: 0 0 auto; }
.footer-logo{
  display:block;
  /* в оригинале логотип визуально почти как кнопка справа */
  height: clamp(56px, 10vw, 88px);
  width: auto;
}
.app-cta{
  display:flex;
  align-items:center;
  gap: 10px;
  text-decoration:none;
  border: 2px solid rgba(255,255,255,.8);
  border-radius: 14px;
  padding: 10px 14px;
  min-height: 52px;
  background: rgba(0,0,0,.08);
  flex: 0 0 auto;
}
.app-cta-icon{
  width: 26px;
  height: 26px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
}
.app-cta-text{ display:flex; flex-direction: column; line-height: 1.1; }
.app-cta-sub{ font-size: 11px; opacity: .9; font-weight: 700; }
.app-cta-main{ font-size: 17px; font-weight: 900; letter-spacing: -.01em; }

.footer-accordion{
  border-top: 1px solid rgba(255,255,255,.18);
  border-bottom: 1px solid rgba(255,255,255,.18);
}
.acc{
  border-top: 1px solid rgba(255,255,255,.18);
}
.acc:first-child{ border-top: 0; }
.acc summary{
  list-style: none;
  cursor: pointer;
  padding: 18px 0;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 10px;
}
.acc summary::-webkit-details-marker{ display:none; }
.acc summary::after{
  content:"+";
  font-weight: 700;
  font-size: 22px;
  line-height: 1;
  opacity: .95;
}
.acc[open] summary::after{ content:"–"; }
.acc-body{
  padding: 0 0 16px;
  display:grid;
  gap: 10px;
}
.acc-body a{
  opacity: .92;
  text-decoration: none;
  font-weight: 600;
}
.acc-body a:hover{ text-decoration: underline; }

.footer-social{
  display:flex;
  align-items:center;
  gap: 14px;
  padding: 18px 0 10px;
}
.social-btn{
  width: 42px;
  height: 42px;
  border-radius: 999px;
  border: 1.6px solid rgba(255,255,255,.72);
  display:inline-flex;
  align-items:center;
  justify-content:center;
  color: #fff;
  text-decoration: none;
  background: rgba(0,0,0,.06);
}
.social-btn .icon{ width: 18px; height: 18px; }
.social-btn:focus-visible{
  outline: 3px solid rgba(255,255,255,.35);
  outline-offset: 2px;
}

.footer-legal{
  padding: 14px 0 12px;
}
.legal-strong{
  margin: 0 0 10px;
  font-weight: 800;
  opacity: .98;
}
.legal-copy{
  margin: 0 0 10px;
  line-height: 1.55;
  opacity: .88;
  max-width: 62ch;
}

.footer-links{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px 18px;
  padding: 18px 0 12px;
  border-top: 1px solid rgba(255,255,255,.18);
}
.footer-links a{
  text-decoration:none;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
  font-size: 12px;
  opacity: .95;
}
.footer-links a:hover{ text-decoration: underline; }

.footer-badges{
  padding-top: 10px;
  display:flex;
  justify-content: flex-end;
}
.badge-img{
  height: 28px;
  width: auto;
  filter: brightness(0) invert(1);
  opacity: .95;
}

/* Desktop tweaks */
@media (min-width: 768px){
  .header-inner{ padding: 0 22px; }
  .footer-top{ padding-bottom: 22px; }
  .footer-links{ grid-template-columns: repeat(3, 1fr); }
}