/* ===== Creditto — 3-step flow ===== */
:root {
  --ink: #14123a;
  --text: #2c2f52;
  --muted: #5b5f7e;
  --indigo: #3f37c9;
  --indigo-600: #4f46e5;
  --indigo-900: #1e1b5e;
  --indigo-50: #eef0ff;
  --indigo-100: #dfe2ff;
  --emerald: #047857;
  --emerald-400: #34d399;
  --emerald-50: #e6f7f0;
  --coral: #ff7a59;
  --coral-hover: #ff8f73;
  --coral-ink: #1b1446;
  --coral-50: #fff0eb;
  --amber: #f59e0b;
  --danger: #b42318;
  --danger-50: #fef3f2;
  --bg: #f5f6fb;
  --surface: #ffffff;
  --line: #e3e5f3;
  --radius: 20px;
  --radius-sm: 12px;
  --shadow: 0 1px 2px rgba(20, 18, 58, .05), 0 8px 24px rgba(20, 18, 58, .07);
  --shadow-lg: 0 20px 50px rgba(20, 18, 58, .22);
  --focus: 0 0 0 3px #fff, 0 0 0 6px var(--indigo-600);
  --font: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif;
  --mono: ui-monospace, "SF Mono", Menlo, Consolas, "Roboto Mono", "Liberation Mono", monospace;
  --hero-bg:
    radial-gradient(120% 80% at 100% 0%, rgba(16, 185, 129, .35) 0%, rgba(16, 185, 129, 0) 55%),
    radial-gradient(90% 70% at 0% 100%, rgba(255, 122, 89, .22) 0%, rgba(255, 122, 89, 0) 60%),
    linear-gradient(160deg, #2a238f 0%, #1e1b5e 55%, #120f3d 100%);
}

*,
*::before,
*::after { box-sizing: border-box; }

[hidden],
.step-page[hidden] { display: none !important; }

html {
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
  scroll-behavior: smooth;
}

body {
  margin: 0;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.55;
  color: var(--text);
  background: var(--bg);
  overflow-x: hidden;
  overflow-wrap: break-word;
  word-wrap: break-word;
  -webkit-font-smoothing: antialiased;
}

main { flex: 1 0 auto; width: 100%; }

img, svg { display: block; max-width: 100%; }

h1, h2, h3 {
  color: var(--ink);
  line-height: 1.15;
  margin: 0;
  letter-spacing: -.02em;
  overflow-wrap: break-word;
  -webkit-hyphens: auto;
  hyphens: auto;
}
p { margin: 0; }
a { color: var(--indigo); }

:focus-visible { outline: none; box-shadow: var(--focus); border-radius: 8px; }

.container {
  width: 100%;
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 16px;
}

.skip-link {
  position: absolute;
  left: 12px;
  top: -60px;
  z-index: 100;
  background: var(--ink);
  color: #fff;
  padding: 12px 16px;
  border-radius: 10px;
  text-decoration: none;
  font-weight: 600;
}
.skip-link:focus { top: 12px; }

section[id] { scroll-margin-top: 80px; }

/* step transition */
.step-page { animation: stepIn .35s ease both; }
@keyframes stepIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: none; }
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ===== Buttons ===== */
.btn {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 48px;
  max-width: 100%;
  padding: 12px 22px;
  border: 2px solid transparent;
  border-radius: 14px;
  font: inherit;
  font-weight: 700;
  font-size: 16px;
  line-height: 1.2;
  text-decoration: none;
  text-align: center;
  cursor: pointer;
  transition: background-color .2s, transform .2s, box-shadow .2s, border-color .2s, color .2s, opacity .2s;
  -webkit-tap-highlight-color: transparent;
}
.btn:active { transform: translateY(1px); }
.btn svg { flex: 0 0 auto; }

.btn-primary {
  background: var(--coral);
  color: var(--coral-ink);
  box-shadow: 0 6px 18px rgba(255, 122, 89, .35);
}
.btn-primary:hover { background: var(--coral-hover); box-shadow: 0 8px 22px rgba(255, 122, 89, .45); }
.btn-primary:focus-visible { box-shadow: var(--focus); }

.btn-ghost {
  background: transparent;
  color: var(--indigo);
  border-color: var(--indigo);
}
.btn-ghost:hover { background: var(--indigo); color: #fff; }

.btn-sm { min-height: 44px; padding: 10px 16px; font-size: 15px; border-radius: 12px; }
.btn-lg { min-height: 56px; padding: 14px 28px; font-size: 17px; }
.btn-block { width: 100%; }

.btn:disabled,
.btn[aria-disabled="true"] {
  opacity: .5;
  cursor: not-allowed;
  box-shadow: none;
  transform: none;
}
.btn-primary:disabled:hover { background: var(--coral); }
.btn-ghost:disabled:hover { background: transparent; color: var(--indigo); }

.btn.is-loading {
  color: transparent !important;
  pointer-events: none;
  cursor: progress;
}
.btn.is-loading > * { visibility: hidden; }
.btn.is-loading::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 22px;
  height: 22px;
  margin: -11px 0 0 -11px;
  border-radius: 50%;
  border: 3px solid rgba(27, 20, 70, .22);
  border-top-color: var(--coral-ink);
  animation: spin .7s linear infinite;
}
.btn.is-loading:disabled { opacity: .85; }

.link-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 8px 12px;
  border: 0;
  background: none;
  font: inherit;
  font-weight: 600;
  font-size: 15px;
  color: var(--indigo);
  text-decoration: underline;
  text-underline-offset: 3px;
  cursor: pointer;
  border-radius: 10px;
}
.link-btn:hover { color: var(--indigo-900); background: var(--indigo-50); }

/* ===== Header ===== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, .92);
  -webkit-backdrop-filter: saturate(160%) blur(10px);
  backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  min-height: 60px;
  padding-top: 8px;
  padding-bottom: 8px;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  min-height: 44px;
  text-decoration: none;
  min-width: 0;
}
.logo-mark { flex: 0 0 auto; width: 36px; height: 36px; }
.logo-text {
  font-size: 22px;
  font-weight: 800;
  letter-spacing: -.03em;
  color: var(--ink);
  white-space: nowrap;
}
.logo-text span { color: var(--emerald); }
.logo-light .logo-text { color: #fff; }
.logo-light .logo-text span { color: var(--emerald-400); }

/* ===== Hero (step 1) ===== */
.hero {
  position: relative;
  overflow: hidden;
  color: #fff;
  background: var(--hero-bg);
  padding: 28px 0 40px;
}

.hero-glow {
  position: absolute;
  inset: 0;
  pointer-events: none;
  background-image:
    linear-gradient(rgba(255, 255, 255, .05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, .05) 1px, transparent 1px);
  background-size: 32px 32px;
  -webkit-mask-image: linear-gradient(180deg, #000 0%, transparent 70%);
  mask-image: linear-gradient(180deg, #000 0%, transparent 70%);
}

.hero-inner {
  position: relative;
  display: grid;
  gap: 28px;
}
.hero-copy { min-width: 0; }

.hero-chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  max-width: 100%;
  padding: 6px 12px;
  border-radius: 999px;
  background: rgba(255, 255, 255, .12);
  border: 1px solid rgba(255, 255, 255, .2);
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 14px;
}
.dot {
  flex: 0 0 auto;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--emerald-400);
  box-shadow: 0 0 0 4px rgba(52, 211, 153, .25);
}

.hero h1 {
  color: #fff;
  font-size: clamp(28px, 8vw, 52px);
  font-weight: 800;
  margin-bottom: 14px;
}
.hero h1 .hl {
  color: #fff;
  background: linear-gradient(90deg, #6ee7b7, #a5b4fc);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-lead {
  font-size: clamp(16px, 4.2vw, 18px);
  color: rgba(255, 255, 255, .86);
  max-width: 34em;
}

#hero-cta {
  width: 100%;
  margin-top: 22px;
}

.hero-flow {
  list-style: none;
  margin: 20px 0 0;
  padding: 0;
  display: grid;
  gap: 8px;
}
.hero-flow li {
  position: relative;
  display: flex;
  align-items: center;
  gap: 12px;
  min-height: 44px;
  padding: 8px 14px 8px 8px;
  border-radius: 14px;
  background: rgba(255, 255, 255, .08);
  border: 1px solid rgba(255, 255, 255, .14);
  font-size: 15px;
  font-weight: 600;
  min-width: 0;
}
.hero-flow .n {
  flex: 0 0 auto;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 30px;
  height: 30px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--indigo-600), var(--emerald));
  font-weight: 800;
  font-size: 14px;
}
.hero-flow li:last-child .n { background: var(--coral); color: var(--coral-ink); }

/* ===== Calculator ===== */
.calc {
  position: relative;
  min-width: 0;
  background: var(--surface);
  color: var(--text);
  border-radius: 24px;
  padding: 20px 16px;
  box-shadow: var(--shadow-lg);
}
.calc-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 4px;
}
.calc-title { font-size: 20px; font-weight: 800; }
.calc-tag {
  flex: 0 0 auto;
  padding: 4px 10px;
  border-radius: 999px;
  background: var(--emerald-50);
  color: var(--emerald);
  font-size: 12px;
  font-weight: 700;
}

.field { margin-top: 14px; }
.field-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.field-head label { font-weight: 600; color: var(--ink); }

.pill {
  display: inline-block;
  min-width: 96px;
  padding: 6px 14px;
  border-radius: 999px;
  background: var(--indigo-50);
  color: var(--indigo);
  font-weight: 800;
  font-size: 17px;
  text-align: center;
  white-space: nowrap;
  font-variant-numeric: tabular-nums;
}

.range-scale {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--muted);
  margin-top: -4px;
}

input[type="range"] {
  --p: 50%;
  -webkit-appearance: none;
  appearance: none;
  display: block;
  width: 100%;
  height: 44px;
  margin: 4px 0 0;
  background: transparent;
  cursor: pointer;
  touch-action: pan-y;
}
input[type="range"]:focus { outline: none; }
input[type="range"]:focus-visible { box-shadow: none; }

input[type="range"]::-webkit-slider-runnable-track {
  height: 8px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--indigo) 0, var(--emerald) var(--p), var(--line) var(--p), var(--line) 100%);
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 28px;
  height: 28px;
  margin-top: -10px;
  border-radius: 50%;
  background: #fff;
  border: 7px solid var(--indigo);
  box-shadow: 0 4px 10px rgba(63, 55, 201, .35);
  transition: transform .15s;
}
input[type="range"]:active::-webkit-slider-thumb { transform: scale(1.12); }
input[type="range"]:focus-visible::-webkit-slider-thumb { box-shadow: 0 0 0 4px #fff, 0 0 0 7px var(--indigo-600); }

input[type="range"]::-moz-range-track {
  height: 8px;
  border-radius: 999px;
  background: var(--line);
}
input[type="range"]::-moz-range-progress {
  height: 8px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--indigo), var(--emerald));
}
input[type="range"]::-moz-range-thumb {
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: #fff;
  border: 7px solid var(--indigo);
  box-shadow: 0 4px 10px rgba(63, 55, 201, .35);
}
input[type="range"]:focus-visible::-moz-range-thumb { box-shadow: 0 0 0 4px #fff, 0 0 0 7px var(--indigo-600); }

.calc-results {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 8px;
  margin: 18px 0 16px;
  padding: 8px;
  border-radius: 16px;
  background: var(--bg);
}
.calc-results > div {
  background: var(--surface);
  border-radius: 12px;
  padding: 10px 4px;
  text-align: center;
  min-width: 0;
}
.calc-results dt {
  font-size: 12px;
  color: var(--muted);
  margin-bottom: 2px;
}
.calc-results dd {
  margin: 0;
  font-weight: 800;
  font-size: clamp(13px, 3.6vw, 17px);
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  overflow-wrap: anywhere;
}
.calc-results .is-total { background: var(--emerald-50); }
.calc-results .is-total dd { color: var(--emerald); }

.calc .js-start { width: 100%; }

.calc-note {
  margin-top: 10px;
  font-size: 12px;
  color: var(--muted);
  text-align: center;
}

/* ===== Sections ===== */
.section { padding: 48px 0; }

.section-head {
  max-width: 680px;
  margin-bottom: 24px;
}
.eyebrow {
  display: inline-block;
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--emerald);
  margin-bottom: 8px;
}
.section-head h2 {
  font-size: clamp(24px, 6.4vw, 36px);
  font-weight: 800;
}
.section-sub {
  margin-top: 10px;
  color: var(--muted);
}

/* How */
.steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr;
  gap: 14px;
}
.step {
  position: relative;
  padding: 20px 18px 20px 76px;
  border-radius: var(--radius);
  background: var(--surface);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  min-width: 0;
}
.step-num {
  position: absolute;
  left: 18px;
  top: 20px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: 12px;
  font-weight: 800;
  font-size: 18px;
  color: #fff;
  background: linear-gradient(135deg, var(--indigo-600), var(--emerald));
}
.step h3 { font-size: 17px; margin-bottom: 4px; }
.step p { color: var(--muted); font-size: 15px; }

/* Why */
.why { background: var(--surface); }
.why-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 14px;
}
.why-card {
  padding: 20px;
  border-radius: var(--radius);
  background: var(--bg);
  border: 1px solid var(--line);
  min-width: 0;
}
.why-card h3 { font-size: 18px; margin: 14px 0 6px; }
.why-card p { color: var(--muted); font-size: 15px; }

.why-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 14px;
}
.why-icon svg,
.flow-icon svg {
  width: 24px;
  height: 24px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}
.ic-indigo { background: var(--indigo-50); color: var(--indigo); }
.ic-emerald { background: var(--emerald-50); color: var(--emerald); }
.ic-coral { background: var(--coral-50); color: #c2410c; }

/* FAQ */
.faq-inner { max-width: 820px; }
.faq-list { display: grid; gap: 10px; }
.faq-list details {
  border: 1px solid var(--line);
  border-radius: 16px;
  background: var(--surface);
  transition: background-color .2s, border-color .2s, box-shadow .2s;
}
.faq-list details[open] {
  border-color: #cfd2ef;
  box-shadow: var(--shadow);
}
.faq-list summary {
  position: relative;
  display: flex;
  align-items: center;
  min-height: 56px;
  padding: 14px 56px 14px 18px;
  font-weight: 700;
  color: var(--ink);
  cursor: pointer;
  list-style: none;
  border-radius: 16px;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "";
  position: absolute;
  right: 16px;
  top: 50%;
  width: 28px;
  height: 28px;
  margin-top: -14px;
  border-radius: 50%;
  background:
    linear-gradient(var(--indigo), var(--indigo)) center / 12px 2px no-repeat,
    linear-gradient(var(--indigo), var(--indigo)) center / 2px 12px no-repeat,
    var(--indigo-50);
  transition: transform .2s;
}
.faq-list details[open] summary::after { transform: rotate(45deg); }
.faq-body { padding: 0 18px 18px; color: var(--muted); }

/* CTA band */
.cta-band { padding-top: 0; }
.cta-box {
  display: flex;
  flex-direction: column;
  gap: 18px;
  align-items: flex-start;
  padding: 28px 20px;
  border-radius: 24px;
  color: #fff;
  background:
    radial-gradient(80% 120% at 100% 0%, rgba(16, 185, 129, .4), rgba(16, 185, 129, 0) 60%),
    linear-gradient(135deg, var(--indigo), var(--indigo-900));
}
.cta-box h2 {
  color: #fff;
  font-size: clamp(22px, 5.6vw, 30px);
  margin-bottom: 6px;
}
.cta-box p { color: rgba(255, 255, 255, .85); }
.cta-box .btn { width: 100%; }

/* ===== Progress indicator (steps 2–3) ===== */
.progress { color: #fff; min-width: 0; }
.progress-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 8px 12px;
  flex-wrap: wrap;
  margin-bottom: 8px;
  font-size: 14px;
}
.progress-label { font-weight: 800; letter-spacing: .02em; }
.progress-name { color: rgba(255, 255, 255, .75); font-weight: 600; }
.progress-bar {
  position: relative;
  height: 6px;
  border-radius: 999px;
  background: rgba(255, 255, 255, .18);
  overflow: hidden;
}
.progress-bar span {
  position: absolute;
  inset: 0 auto 0 0;
  width: 33.333%;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--emerald-400), #a5b4fc);
  transition: width .4s ease;
}
.progress-bar.is-2 span { width: 66.666%; }
.progress-bar.is-3 span { width: 100%; background: linear-gradient(90deg, var(--emerald-400), var(--coral)); }

/* ===== Step 2 — flow ===== */
.flow {
  position: relative;
  overflow: hidden;
  background: var(--hero-bg);
  padding: 16px 0 48px;
  min-height: calc(100vh - 60px);
  min-height: calc(100svh - 60px);
}
.flow-inner {
  position: relative;
  max-width: 528px;
}

.flow-top {
  display: grid;
  gap: 14px;
  margin-bottom: 18px;
}

.back-link {
  justify-self: start;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  min-height: 44px;
  padding: 8px 14px 8px 10px;
  border: 1px solid rgba(255, 255, 255, .22);
  border-radius: 12px;
  background: rgba(255, 255, 255, .08);
  color: #fff;
  font: inherit;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  transition: background-color .2s;
}
.back-link:hover { background: rgba(255, 255, 255, .16); }
.back-link:focus-visible { box-shadow: 0 0 0 3px #a5b4fc; }

.flow-card {
  background: var(--surface);
  border-radius: 24px;
  padding: 24px 18px;
  box-shadow: var(--shadow-lg);
  min-width: 0;
}
.flow-card h2 {
  font-size: clamp(22px, 6vw, 28px);
  font-weight: 800;
}
.flow-lead {
  margin-top: 8px;
  color: var(--muted);
}
.flow-lead b { color: var(--ink); white-space: nowrap; }

.flow-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  margin-bottom: 14px;
  border-radius: 16px;
  background: var(--indigo-50);
  color: var(--indigo);
}

#phone-form { margin-top: 20px; }

.field-label {
  display: block;
  margin-bottom: 8px;
  font-weight: 700;
  color: var(--ink);
}

.phone-field { position: relative; }
.phone-flag {
  position: absolute;
  left: 16px;
  top: 50%;
  width: 26px;
  height: 18px;
  margin-top: -9px;
  border-radius: 4px;
  background: linear-gradient(#0057b7 50%, #ffd700 50%);
  box-shadow: 0 0 0 1px rgba(20, 18, 58, .08);
  pointer-events: none;
}
#phone-main {
  display: block;
  width: 100%;
  min-height: 60px;
  padding: 12px 14px 12px 54px;
  border: 2px solid var(--line);
  border-radius: 16px;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font);
  font-size: 20px;
  font-weight: 700;
  letter-spacing: .02em;
  font-variant-numeric: tabular-nums;
  transition: border-color .2s, background-color .2s, box-shadow .2s;
  -webkit-appearance: none;
  appearance: none;
}
#phone-main::placeholder { color: #9a9dba; font-weight: 600; }
#phone-main:hover { border-color: #cfd2ef; }
#phone-main:focus {
  outline: none;
  border-color: var(--indigo-600);
  background: #fff;
  box-shadow: 0 0 0 4px rgba(79, 70, 229, .18);
}
#phone-main[aria-invalid="true"],
#otp-code[aria-invalid="true"] {
  border-color: var(--danger);
  background-color: var(--danger-50);
}

.field-error {
  min-height: 22px;
  margin-top: 6px;
  font-size: 14px;
  font-weight: 600;
  color: var(--danger);
}
.field-error-center { text-align: center; }

#phone-submit,
#otp-verify { width: 100%; margin-top: 4px; }

.trust-list {
  list-style: none;
  margin: 18px 0 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.trust-list li {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 10px;
  border-radius: 999px;
  background: var(--emerald-50);
  color: var(--emerald);
  font-size: 13px;
  font-weight: 700;
}
.trust-list svg {
  width: 16px;
  height: 16px;
  fill: none;
  stroke: currentColor;
  stroke-width: 3;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.form-disclaimer {
  margin-top: 16px;
  padding-top: 14px;
  border-top: 1px solid var(--line);
  font-size: 12px;
  line-height: 1.55;
  color: var(--muted);
}
.form-disclaimer a { font-weight: 600; }

/* OTP */
.otp-wrap {
  display: flex;
  justify-content: center;
  margin-top: 22px;
}
#otp-code {
  --cell: 2.5ch;
  display: block;
  width: calc(10.75ch + 4px);
  max-width: 100%;
  height: 68px;
  padding: 0 0 0 .75ch;
  border: 2px solid transparent;
  border-radius: 14px;
  font-family: var(--mono);
  font-size: 32px;
  font-weight: 800;
  letter-spacing: 1.5ch;
  color: var(--ink);
  caret-color: var(--indigo);
  text-align: left;
  background-color: transparent;
  background-image: linear-gradient(90deg,
    transparent 0 .2ch,
    var(--indigo-50) .2ch 2.3ch,
    transparent 2.3ch 2.5ch);
  background-size: var(--cell) 100%;
  background-repeat: repeat-x;
  background-origin: padding-box;
  background-position: 0 0;
  -webkit-appearance: none;
  appearance: none;
  transition: border-color .2s, box-shadow .2s;
}
#otp-code:focus {
  outline: none;
  border-color: var(--indigo-600);
  box-shadow: 0 0 0 4px rgba(79, 70, 229, .18);
}

.otp-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  margin-top: 12px;
}
#otp-resend { width: 100%; }

/* Processing */
.processing { text-align: center; }
.processing-ring {
  display: block;
  width: 56px;
  height: 56px;
  margin: 0 auto 16px;
  border-radius: 50%;
  border: 5px solid var(--indigo-50);
  border-top-color: var(--indigo);
  border-right-color: var(--emerald);
  animation: spin 1s linear infinite;
}
.loader-steps {
  list-style: none;
  margin: 20px 0 0;
  padding: 0;
  display: grid;
  gap: 10px;
  text-align: left;
}
.loader-step {
  display: flex;
  align-items: center;
  gap: 14px;
  min-height: 56px;
  padding: 12px 14px;
  border-radius: 14px;
  background: var(--bg);
  border: 1px solid var(--line);
  color: var(--muted);
  opacity: .6;
  transition: opacity .3s, background-color .3s, border-color .3s, color .3s;
}
.loader-step.active {
  opacity: 1;
  background: var(--indigo-50);
  border-color: #c9ccf5;
  color: var(--ink);
  font-weight: 700;
}
.loader-step.done {
  opacity: 1;
  background: var(--emerald-50);
  border-color: #bfe8d6;
  color: var(--ink);
}
.step-icon {
  position: relative;
  flex: 0 0 28px;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 2px solid #c9cce3;
  background: #fff;
}
.loader-step.active .step-icon {
  border: 3px solid var(--indigo-100);
  border-top-color: var(--indigo);
  animation: spin .8s linear infinite;
}
.loader-step.done .step-icon {
  background: var(--emerald);
  border-color: var(--emerald);
  animation: none;
}
.loader-step.done .step-icon::before {
  content: "";
  position: absolute;
  left: 8px;
  top: 4px;
  width: 7px;
  height: 12px;
  border: solid #fff;
  border-width: 0 3px 3px 0;
  transform: rotate(45deg);
}
.step-label { min-width: 0; }

/* ===== Step 3 — offers ===== */
.offers-hero {
  position: relative;
  overflow: hidden;
  background: var(--hero-bg);
  color: #fff;
  padding: 20px 0 64px;
}
.offers-hero-inner {
  position: relative;
  display: grid;
  gap: 20px;
}
.offers-hero .progress { max-width: 480px; }

.greeting h2 {
  color: #fff;
  font-size: clamp(24px, 6.6vw, 38px);
  font-weight: 800;
}
.greeting p {
  margin-top: 10px;
  max-width: 40em;
  color: rgba(255, 255, 255, .84);
  font-size: 15px;
}

.offers-section { padding-top: 0; }
.offers-section > .container { margin-top: -40px; position: relative; }

.offers-grid,
.offers-loading {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}
.offers-loading { margin-bottom: 16px; }

.offer-card {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 14px;
  min-width: 0;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 16px;
  box-shadow: var(--shadow);
  transition: transform .2s, box-shadow .2s, border-color .2s;
}
.offer-card:hover {
  transform: translateY(-2px);
  border-color: #cfd2ef;
  box-shadow: 0 2px 4px rgba(20, 18, 58, .05), 0 16px 34px rgba(20, 18, 58, .1);
}
.offer-card:has(.offer-badge) {
  border-color: rgba(255, 122, 89, .55);
  box-shadow: 0 0 0 1px rgba(255, 122, 89, .25), var(--shadow);
}
.offer-card.is-hidden { display: none; }

.offer-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 10px;
  min-width: 0;
}

.offer-logo {
  flex: 0 1 auto;
  width: 148px;
  height: 60px;
  max-width: 60%;
  padding: 10px 14px;
  border-radius: 14px;
  background: #f7f8fc;
  border: 1px solid var(--line);
  object-fit: contain;
}

.offer-badge {
  display: inline-flex;
  align-items: center;
  padding: 5px 10px;
  border-radius: 999px;
  background: var(--coral-50);
  color: #9a2e14;
  font-size: 12px;
  font-weight: 700;
  white-space: nowrap;
}

.offer-name { font-size: 19px; font-weight: 800; }

.offer-params {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 8px;
}
.offer-params li {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding: 10px 8px;
  border-radius: 12px;
  background: var(--bg);
  min-width: 0;
}
.offer-params .k { font-size: 12px; color: var(--muted); }
.offer-params .v {
  font-size: 16px;
  font-weight: 800;
  color: var(--ink);
  white-space: nowrap;
  font-variant-numeric: tabular-nums;
}
.offer-params .v.accent { color: var(--emerald); }

.offer-rating { display: flex; align-items: center; gap: 8px; }
.offer-rating .stars {
  color: var(--amber);
  font-size: 18px;
  letter-spacing: 2px;
  line-height: 1;
}
.offer-rating .num { font-weight: 800; color: var(--ink); }

.offer-cta { width: 100%; margin-top: auto; }

.offer-note {
  margin-top: -6px;
  font-size: 12px;
  color: var(--muted);
  text-align: center;
}

/* Skeleton */
.skeleton-card {
  display: flex;
  flex-direction: column;
  gap: 14px;
  padding: 16px;
  border-radius: var(--radius);
  background: var(--surface);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}
.sk {
  display: block;
  border-radius: 12px;
  background: linear-gradient(90deg, #eceef7 25%, #f7f8fc 50%, #eceef7 75%);
  background-size: 200% 100%;
  animation: shimmer 1.3s ease-in-out infinite;
}
.sk-logo { width: 148px; max-width: 60%; height: 60px; border-radius: 14px; }
.sk-title { width: 60%; height: 22px; }
.sk-params { width: 100%; height: 62px; }
.sk-line { width: 40%; height: 16px; }
.sk-btn { width: 100%; height: 48px; border-radius: 14px; }
@keyframes shimmer {
  from { background-position: 100% 0; }
  to { background-position: -100% 0; }
}

.offers-more {
  display: flex;
  justify-content: center;
  margin-top: 24px;
}
.offers-more .btn { min-width: 220px; }

.offers-empty {
  margin-top: 16px;
  padding: 24px 18px;
  border-radius: var(--radius);
  background: var(--surface);
  border: 1px dashed #cfd2ef;
  text-align: center;
  font-weight: 600;
  color: var(--muted);
}

.offers-hint {
  margin: 24px auto 0;
  max-width: 640px;
  font-size: 13px;
  text-align: center;
  color: var(--muted);
}

/* ===== Footer ===== */
.site-footer {
  flex-shrink: 0;
  background: #100e30;
  color: rgba(255, 255, 255, .78);
  padding: 40px 0 24px;
  font-size: 15px;
}
.footer-top { display: grid; gap: 20px; }
.footer-desc { margin-top: 10px; max-width: 420px; }
.footer-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 4px 8px;
}
.footer-nav a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 0 10px;
  color: #fff;
  text-decoration: none;
  border-radius: 10px;
  font-weight: 600;
}
.footer-nav a:hover { background: rgba(255, 255, 255, .08); }
.site-footer :focus-visible { box-shadow: 0 0 0 3px #a5b4fc; }

.disclaimer {
  margin-top: 28px;
  padding: 18px;
  border-radius: 16px;
  background: rgba(255, 255, 255, .05);
  border: 1px solid rgba(255, 255, 255, .1);
  font-size: 13px;
  line-height: 1.6;
  color: rgba(255, 255, 255, .78);
}
.disclaimer .small {
  margin-top: 10px;
  font-size: 12px;
  color: rgba(255, 255, 255, .68);
}

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 6px 16px;
  margin-top: 22px;
  padding-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, .1);
  font-size: 13px;
  color: rgba(255, 255, 255, .68);
}

/* ===== Responsive ===== */
@media (min-width: 400px) {
  .container { padding: 0 20px; }
  .calc { padding: 22px 20px; }
  .flow-card { padding: 28px 24px; }
  .otp-actions { flex-direction: row; justify-content: space-between; }
  #otp-resend { width: auto; }
}

@media (min-width: 640px) {
  .hero-flow { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .hero-flow li { font-size: 14px; }
  #hero-cta { width: auto; }
  .offers-grid,
  .offers-loading { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .why-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .cta-box {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
    padding: 36px;
  }
  .cta-box .btn { width: auto; flex: 0 0 auto; }
  .footer-top { grid-template-columns: 1.4fr 1fr; align-items: start; }
  .footer-nav { justify-content: flex-end; }
  .flow { padding-top: 28px; }
}

@media (min-width: 900px) {
  .container { padding: 0 24px; }
  section[id] { scroll-margin-top: 84px; }
  .header-inner { min-height: 68px; }

  .hero { padding: 64px 0 72px; }
  .hero-inner {
    grid-template-columns: minmax(0, 1.1fr) minmax(0, 440px);
    align-items: center;
    gap: 48px;
  }
  .hero-flow { grid-template-columns: 1fr; max-width: 360px; }
  .calc { padding: 28px; }
  .calc-title { font-size: 22px; }

  .section { padding: 72px 0; }
  .section-head { margin-bottom: 32px; }

  .why-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
  .steps { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
  .step { padding: 76px 20px 22px; }
  .step-num { left: 20px; top: 20px; }
  .cta-band { padding-top: 0; }

  .flow { padding: 40px 0 72px; min-height: calc(100vh - 68px); }
  .flow-card { padding: 36px 36px 32px; }

  .offers-hero { padding: 36px 0 88px; }
  .offers-section > .container { margin-top: -56px; }
  .offers-grid,
  .offers-loading { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
}

@media (max-width: 380px) {
  .offer-params .v { font-size: 14px; }
  .offer-params li { padding: 9px 6px; }
  .offer-logo { width: 128px; height: 56px; padding: 8px 10px; }
  .logo-text { font-size: 20px; }
  .logo-mark { width: 32px; height: 32px; }
  .header-inner .btn-sm { padding: 10px 12px; font-size: 14px; }
  .pill { min-width: 84px; font-size: 16px; padding: 6px 10px; }
  #phone-main { font-size: 18px; padding-left: 50px; }
  .phone-flag { left: 14px; }
}

@media (max-width: 340px) {
  #otp-code { font-size: 28px; }
  .calc-results { gap: 6px; padding: 6px; }
  .calc-results dt { font-size: 11px; }
}

/* ===== Motion preferences ===== */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *,
  *::before,
  *::after {
    transition-duration: .01ms !important;
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
  }
  .step-page { animation: none !important; }
  .sk { animation: none !important; background: #eceef7; }
  /* Індикатори очікування лишаються, але повільні */
  .btn.is-loading::after,
  .loader-step.active .step-icon,
  .processing-ring {
    animation-duration: 1.6s !important;
    animation-iteration-count: infinite !important;
  }
  .offer-card:hover,
  .btn:active { transform: none; }
}

/* ===== High contrast / forced colors ===== */
@media (forced-colors: active) {
  .btn { border: 2px solid ButtonText; }
  .offer-card, .why-card, .step, .faq-list details, .flow-card, .calc, .loader-step, .skeleton-card { border: 1px solid CanvasText; }
  #otp-code, #phone-main { border: 2px solid CanvasText; }
  .loader-step.done .step-icon { background: Highlight; border-color: Highlight; }
  .progress-bar span { background: Highlight; }
}

/* v3: hero-copy убран — калькулятор сразу под хедером */
.hero-inner{grid-template-columns:minmax(0,480px)!important;justify-content:center}

/* integration overrides (build_frontend3.py) */
[hidden]{display:none!important}
.step-page[hidden]{display:none!important}
.offers-grid>*{min-width:0}
.offer-name{overflow-wrap:anywhere}
.offer-params li{min-width:0}
.is-hidden{display:none!important}