/* ==========================================
   RESET & BASE
   ========================================== */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --color-primary: #1B3A2D;
    --color-primary-light: #2D5A43;
    --color-primary-dark: #0F2219;
    --color-accent: #C8A84E;
    --color-accent-light: #E0C672;
    --color-accent-dark: #A68A32;
    --color-bg: #F8F7F4;
    --color-bg-alt: #FFFFFF;
    --color-bg-dark: #0C1A13;
    --color-text: #1A1A1A;
    --color-text-light: #6B6B6B;
    --color-text-white: #FFFFFF;
    --color-border: #E0DDD5;
    --color-success: #2ECC71;
    --color-error: #E74C3C;
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-xl: 28px;
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow-md: 0 4px 20px rgba(0,0,0,0.08);
    --shadow-lg: 0 8px 40px rgba(0,0,0,0.12);
    --shadow-xl: 0 16px 60px rgba(0,0,0,0.16);
    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --font-main: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    --font-heading: 'Montserrat', 'Inter', sans-serif;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-main);
    color: var(--color-text);
    background: var(--color-bg);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition);
}

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

/* ==========================================
   BUTTONS
   ========================================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-family: var(--font-main);
    font-weight: 600;
    font-size: 0.95rem;
    padding: 12px 28px;
    border-radius: var(--radius-sm);
    border: 2px solid transparent;
    cursor: pointer;
    transition: var(--transition);
    white-space: nowrap;
}

.btn--primary {
    background: var(--color-accent);
    color: var(--color-primary-dark);
    border-color: var(--color-accent);
}

.btn--primary:hover {
    background: var(--color-accent-light);
    border-color: var(--color-accent-light);
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(200, 168, 78, 0.35);
}

.btn--outline {
    background: transparent;
    color: var(--color-text-white);
    border-color: rgba(255,255,255,0.4);
}

.btn--outline:hover {
    background: rgba(255,255,255,0.1);
    border-color: rgba(255,255,255,0.7);
}

.btn--lg {
    padding: 16px 36px;
    font-size: 1.05rem;
}

.btn--full {
    width: 100%;
}

/* ==========================================
   HEADER
   ========================================== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    padding: 16px 0;
    transition: var(--transition);
    background: transparent;
}

.header--scrolled {
    background: rgba(11, 26, 19, 0.95);
    backdrop-filter: blur(20px);
    padding: 10px 0;
    box-shadow: 0 4px 30px rgba(0,0,0,0.2);
}

.header__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
}

.logo__icon {
    width: 40px;
    height: 40px;
    background: var(--color-accent);
    color: var(--color-primary-dark);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    font-weight: 800;
}

.logo__text {
    font-family: var(--font-heading);
    font-weight: 800;
    font-size: 0.85rem;
    color: var(--color-text-white);
    letter-spacing: 1px;
}

.nav {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav__link {
    font-size: 0.9rem;
    font-weight: 500;
    color: rgba(255,255,255,0.8);
    position: relative;
}

.nav__link:hover {
    color: var(--color-text-white);
}

.nav__link::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--color-accent);
    transition: var(--transition);
}

.nav__link:hover::after {
    width: 100%;
}

.nav__link--cta {
    background: var(--color-accent);
    color: var(--color-primary-dark);
    padding: 10px 24px;
    border-radius: var(--radius-sm);
    font-weight: 600;
}

.nav__link--cta::after {
    display: none;
}

.nav__link--cta:hover {
    background: var(--color-accent-light);
    transform: translateY(-2px);
}

.burger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}

.burger span {
    width: 24px;
    height: 2px;
    background: var(--color-text-white);
    transition: var(--transition);
    border-radius: 2px;
}

/* ==========================================
   HERO
   ========================================== */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    background: var(--color-primary-dark);
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: 
        linear-gradient(135deg, rgba(15, 34, 25, 0.92) 0%, rgba(27, 58, 45, 0.85) 50%, rgba(15, 34, 25, 0.9) 100%);
    z-index: 1;
}

.hero__overlay {
    position: absolute;
    inset: 0;
    background: url('img/1-2.jpg') center center / cover no-repeat;
}

.hero__content {
    position: relative;
    z-index: 2;
    padding: 120px 0 80px;
}

.hero__badge {
    display: inline-block;
    background: rgba(200, 168, 78, 0.15);
    color: var(--color-accent);
    padding: 8px 20px;
    border-radius: 50px;
    font-size: 0.8rem;
    font-weight: 600;
    letter-spacing: 2px;
    margin-bottom: 24px;
    border: 1px solid rgba(200, 168, 78, 0.25);
}

.hero__title {
    font-family: var(--font-heading);
    font-size: clamp(2.5rem, 6vw, 4.5rem);
    font-weight: 900;
    color: var(--color-text-white);
    line-height: 1.1;
    margin-bottom: 24px;
    letter-spacing: -1px;
}

.hero__subtitle {
    font-size: clamp(1rem, 2vw, 1.25rem);
    color: rgba(255,255,255,0.7);
    max-width: 600px;
    line-height: 1.7;
    margin-bottom: 40px;
}

.hero__subtitle strong {
    color: var(--color-accent);
    font-weight: 700;
}

.hero__actions {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    margin-bottom: 60px;
}

.hero__stats {
    display: flex;
    gap: 48px;
    flex-wrap: wrap;
    padding-top: 40px;
    border-top: 1px solid rgba(255,255,255,0.1);
}

.hero__stat {
    display: flex;
    flex-direction: column;
}

.hero__stat-number {
    font-family: var(--font-heading);
    font-size: 1.8rem;
    font-weight: 800;
    color: var(--color-accent);
}

.hero__stat-label {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.5);
    margin-top: 4px;
}

.hero__scroll {
    position: absolute;
    bottom: 40px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    color: rgba(255,255,255,0.4);
    font-size: 0.75rem;
    letter-spacing: 1px;
    z-index: 2;
}

.hero__scroll-arrow {
    animation: scrollBounce 2s infinite;
    font-size: 1.2rem;
}

@keyframes scrollBounce {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(8px); }
}

/* ==========================================
   SECTIONS
   ========================================== */
.section {
    padding: 100px 0;
}

.section__header {
    text-align: center;
    margin-bottom: 64px;
}

.section__tag {
    display: inline-block;
    background: rgba(200, 168, 78, 0.12);
    color: var(--color-accent-dark);
    padding: 6px 16px;
    border-radius: 50px;
    font-size: 0.8rem;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 16px;
}

.section__title {
    font-family: var(--font-heading);
    font-size: clamp(1.8rem, 4vw, 2.8rem);
    font-weight: 800;
    color: var(--color-text);
    margin-bottom: 16px;
    letter-spacing: -0.5px;
}

.section__desc {
    font-size: 1.05rem;
    color: var(--color-text-light);
    max-width: 600px;
    margin: 0 auto;
}

/* ==========================================
   ADVANTAGES
   ========================================== */
.advantages {
    background: var(--color-bg);
}

.advantages__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.advantage-card {
    background: var(--color-bg-alt);
    border-radius: var(--radius-lg);
    padding: 36px 28px;
    transition: var(--transition);
    border: 1px solid var(--color-border);
    position: relative;
    overflow: hidden;
}

.advantage-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--color-accent), var(--color-primary-light));
    opacity: 0;
    transition: var(--transition);
}

.advantage-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: transparent;
}

.advantage-card:hover::before {
    opacity: 1;
}

.advantage-card__icon {
    font-size: 2.2rem;
    margin-bottom: 20px;
}

.advantage-card__title {
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 700;
    margin-bottom: 12px;
    color: var(--color-primary-dark);
}

.advantage-card__text {
    font-size: 0.9rem;
    color: var(--color-text-light);
    line-height: 1.7;
}

.advantage-card__perks {
    list-style: none;
    padding: 0;
    margin: 12px 0 0;
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.advantage-card__perks li {
    font-size: 0.88rem;
    color: var(--color-primary, #4caf50);
    font-weight: 600;
}

/* ==========================================
   PAYMENTS
   ========================================== */
.payments {
    background: var(--color-bg-alt);
}

.payments__highlight {
    margin-bottom: 48px;
}

.payments__highlight-card {
    background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
    border-radius: var(--radius-lg);
    padding: 48px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.payments__highlight-card::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(200,168,78,0.15) 0%, transparent 70%);
    border-radius: 50%;
}

.payments__highlight-label {
    font-size: 1rem;
    color: rgba(255,255,255,0.7);
    margin-bottom: 12px;
    position: relative;
}

.payments__highlight-amount {
    font-family: var(--font-heading);
    font-size: clamp(2.5rem, 5vw, 4rem);
    font-weight: 900;
    color: var(--color-accent);
    margin-bottom: 8px;
    position: relative;
}

.payments__highlight-note {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.5);
    position: relative;
}

.payments__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-bottom: 64px;
}

.payment-card {
    background: var(--color-bg);
    border-radius: var(--radius-lg);
    padding: 36px 28px;
    text-align: center;
    border: 2px solid var(--color-border);
    transition: var(--transition);
    position: relative;
}

.payment-card:hover {
    border-color: var(--color-accent);
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.payment-card--featured {
    border-color: var(--color-accent);
    background: linear-gradient(135deg, rgba(200,168,78,0.05), rgba(200,168,78,0.02));
}

.payment-card__badge {
    position: absolute;
    top: -12px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--color-accent);
    color: var(--color-primary-dark);
    padding: 4px 16px;
    border-radius: 50px;
    font-size: 0.75rem;
    font-weight: 700;
}

.payment-card__rank {
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--color-text-light);
    margin-bottom: 12px;
}

.payment-card__amount {
    font-family: var(--font-heading);
    font-size: 2rem;
    font-weight: 800;
    color: var(--color-primary-dark);
    margin-bottom: 4px;
}

.payment-card__period {
    font-size: 0.85rem;
    color: var(--color-text-light);
}

.payments__extras-title {
    font-family: var(--font-heading);
    font-size: 1.3rem;
    font-weight: 700;
    text-align: center;
    margin-bottom: 32px;
}

.payments__extras-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

.extra-item {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    background: var(--color-bg);
    padding: 20px;
    border-radius: var(--radius-md);
    border: 1px solid var(--color-border);
    transition: var(--transition);
}

.extra-item:hover {
    border-color: var(--color-accent);
    box-shadow: var(--shadow-sm);
}

.extra-item__icon {
    font-size: 1.5rem;
    flex-shrink: 0;
}

.extra-item__content strong {
    display: block;
    font-size: 0.9rem;
    margin-bottom: 2px;
    color: var(--color-primary-dark);
}

.extra-item__content span {
    font-size: 0.85rem;
    color: var(--color-text-light);
}

/* ==========================================
   GUARANTEES
   ========================================== */
.guarantees {
    background: var(--color-bg);
}

.guarantees__grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

.guarantee-item {
    display: flex;
    gap: 24px;
    background: var(--color-bg-alt);
    border-radius: var(--radius-lg);
    padding: 32px;
    border: 1px solid var(--color-border);
    transition: var(--transition);
}

.guarantee-item:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-3px);
    border-color: transparent;
}

.guarantee-item__number {
    font-family: var(--font-heading);
    font-size: 2rem;
    font-weight: 900;
    color: var(--color-accent);
    opacity: 0.6;
    flex-shrink: 0;
    line-height: 1;
}

.guarantee-item__content h4 {
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--color-primary-dark);
    margin-bottom: 8px;
}

.guarantee-item__content p {
    font-size: 0.9rem;
    color: var(--color-text-light);
    line-height: 1.7;
}

/* ==========================================
   REQUIREMENTS
   ========================================== */
.requirements {
    background: var(--color-bg-alt);
}

.requirements__content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: center;
}

.requirements__list {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.requirement-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}

.requirement-item__check {
    width: 36px;
    height: 36px;
    background: rgba(200, 168, 78, 0.12);
    color: var(--color-accent-dark);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    flex-shrink: 0;
    font-size: 1rem;
}

.requirement-item strong {
    display: block;
    font-size: 0.95rem;
    margin-bottom: 4px;
    color: var(--color-primary-dark);
}

.requirement-item p {
    font-size: 0.85rem;
    color: var(--color-text-light);
}

.requirements__cta-card {
    background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
    color: var(--color-text-white);
    padding: 48px 36px;
    border-radius: var(--radius-lg);
    text-align: center;
}

.requirements__cta-card h3 {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 800;
    margin-bottom: 16px;
}

.requirements__cta-card p {
    color: rgba(255,255,255,0.7);
    margin-bottom: 28px;
    font-size: 0.95rem;
}

/* ==========================================
   APPLICATION FORM
   ========================================== */
.apply {
    background: var(--color-bg);
}

.apply__wrapper {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 48px;
    align-items: flex-start;
}

.apply__form {
    background: var(--color-bg-alt);
    border-radius: var(--radius-lg);
    padding: 40px;
    border: 1px solid var(--color-border);
    box-shadow: var(--shadow-md);
}

.form-group {
    margin-bottom: 20px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.form-label {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--color-text);
    margin-bottom: 8px;
}

.required {
    color: var(--color-error);
}

.form-input {
    width: 100%;
    padding: 14px 16px;
    font-family: var(--font-main);
    font-size: 0.95rem;
    border: 2px solid var(--color-border);
    border-radius: var(--radius-sm);
    background: var(--color-bg);
    color: var(--color-text);
    transition: var(--transition);
    outline: none;
}

.form-input::placeholder {
    color: #B0ADA5;
}

.form-input:focus {
    border-color: var(--color-accent);
    background: var(--color-bg-alt);
    box-shadow: 0 0 0 4px rgba(200, 168, 78, 0.1);
}

.form-input--error {
    border-color: var(--color-error);
}

.form-input--error:focus {
    box-shadow: 0 0 0 4px rgba(231, 76, 60, 0.1);
}

.form-select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%236B6B6B' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    padding-right: 40px;
    cursor: pointer;
}

.form-textarea {
    resize: vertical;
    min-height: 80px;
}

.form-error {
    display: block;
    font-size: 0.8rem;
    color: var(--color-error);
    margin-top: 4px;
    min-height: 0;
}

.form-agreement {
    margin-bottom: 24px;
}

.checkbox-label {
    display: flex;
    align-items: center;
    gap: 10px;
    cursor: pointer;
    font-size: 0.85rem;
    color: var(--color-text-light);
}

.checkbox-label input[type="checkbox"] {
    display: none;
}

.checkbox-custom {
    width: 20px;
    height: 20px;
    border: 2px solid var(--color-border);
    border-radius: 4px;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

.checkbox-label input:checked + .checkbox-custom {
    background: var(--color-accent);
    border-color: var(--color-accent);
}

.checkbox-label input:checked + .checkbox-custom::after {
    content: '✓';
    color: var(--color-primary-dark);
    font-size: 0.75rem;
    font-weight: 700;
}

.spinner {
    display: inline-block;
    width: 18px;
    height: 18px;
    border: 2px solid rgba(0,0,0,0.2);
    border-top-color: var(--color-primary-dark);
    border-radius: 50%;
    animation: spin 0.6s linear infinite;
}

@keyframes spin {
    to { transform: rotate(360deg); }
}

/* Info cards */
.apply__info {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.apply__info-card {
    background: var(--color-bg-alt);
    border-radius: var(--radius-md);
    padding: 24px;
    border: 1px solid var(--color-border);
}

.apply__info-card h4 {
    font-size: 1rem;
    margin-bottom: 8px;
    color: var(--color-primary-dark);
}

.apply__info-card p {
    font-size: 0.85rem;
    color: var(--color-text-light);
    line-height: 1.6;
}

.apply__phone {
    display: block;
    font-family: var(--font-heading);
    font-size: 2rem;
    font-weight: 900;
    color: var(--color-accent-dark);
    margin-bottom: 4px;
}

/* ==========================================
   MODAL
   ========================================== */
.modal {
    position: fixed;
    inset: 0;
    z-index: 9999;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
}

.modal--active {
    opacity: 1;
    visibility: visible;
}

.modal__overlay {
    position: absolute;
    inset: 0;
    background: rgba(0,0,0,0.6);
    backdrop-filter: blur(8px);
}

.modal__content {
    position: relative;
    background: var(--color-bg-alt);
    border-radius: var(--radius-lg);
    padding: 48px;
    text-align: center;
    max-width: 440px;
    width: 90%;
    transform: scale(0.9) translateY(20px);
    transition: var(--transition);
}

.modal__content--wide {
    max-width: 600px;
    text-align: left;
}

.modal__close {
    position: absolute;
    top: 16px;
    right: 20px;
    background: none;
    border: none;
    font-size: 2rem;
    color: var(--color-text-light);
    cursor: pointer;
    line-height: 1;
    transition: var(--transition);
}

.modal__close:hover {
    color: var(--color-text);
}

.modal--active .modal__content {
    transform: scale(1) translateY(0);
}

.modal__icon {
    width: 64px;
    height: 64px;
    background: var(--color-success);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.8rem;
    font-weight: 700;
    margin: 0 auto 20px;
}

.modal__title {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 800;
    margin-bottom: 12px;
}

.modal__text {
    color: var(--color-text-light);
    font-size: 0.95rem;
    margin-bottom: 28px;
}

/* ==========================================
   FOOTER
   ========================================== */
.footer {
    background: var(--color-bg-dark);
    padding: 60px 0 30px;
}

.footer__top {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 40px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer .logo__text {
    font-size: 0.75rem;
}

.footer__tagline {
    color: rgba(255,255,255,0.4);
    font-size: 0.85rem;
    margin-top: 12px;
}

.footer__links {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.footer__links a {
    color: rgba(255,255,255,0.6);
    font-size: 0.9rem;
    transition: var(--transition);
}

.footer__links a:hover {
    color: var(--color-accent);
}

.footer__contact p {
    color: rgba(255,255,255,0.5);
    font-size: 0.85rem;
}

.footer__phone {
    font-family: var(--font-heading);
    font-size: 2rem;
    font-weight: 900;
    color: var(--color-accent) !important;
    display: block;
    margin: 4px 0;
}

.footer__phone-note {
    font-size: 0.8rem !important;
}

.footer__bottom {
    padding-top: 24px;
    text-align: center;
}

.footer__bottom p {
    font-size: 0.8rem;
    color: rgba(255,255,255,0.3);
}

/* ==========================================
   ANIMATIONS (scroll-triggered)
   ========================================== */
[data-aos] {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

[data-aos].aos-animate {
    opacity: 1;
    transform: translateY(0);
}

/* ==========================================
   RESPONSIVE
   ========================================== */
@media (max-width: 1024px) {
    .advantages__grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .payments__grid {
        grid-template-columns: repeat(3, 1fr);
    }
    
    .payments__extras-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .cta-image__wrapper {
        gap: 32px;
    }
    
    .cta-image__photo img {
        min-height: 350px;
    }
}

@media (max-width: 768px) {
    .container {
        padding: 0 16px;
    }
    
    .nav {
        position: fixed;
        top: 0;
        right: -100%;
        width: 80%;
        max-width: 320px;
        height: 100vh;
        background: var(--color-primary-dark);
        flex-direction: column;
        justify-content: center;
        gap: 24px;
        padding: 40px;
        transition: var(--transition);
        box-shadow: -10px 0 40px rgba(0,0,0,0.3);
        z-index: 1000;
    }
    
    .nav--open {
        right: 0;
    }
    
    .nav__link {
        font-size: 1.1rem;
    }
    
    .nav__link--cta {
        text-align: center;
    }
    
    .burger {
        display: flex;
        z-index: 1001;
    }
    
    .burger--active span:nth-child(1) {
        transform: rotate(45deg) translate(5px, 5px);
    }
    
    .burger--active span:nth-child(2) {
        opacity: 0;
    }
    
    .burger--active span:nth-child(3) {
        transform: rotate(-45deg) translate(5px, -5px);
    }
    
    .hero {
        min-height: 100svh;
    }
    
    .hero__content {
        padding: 100px 0 60px;
    }
    
    .hero__stats {
        gap: 24px;
    }
    
    .hero__stat-number {
        font-size: 1.4rem;
    }
    
    .hero__scroll {
        display: none;
    }
    
    .advantages__grid {
        grid-template-columns: 1fr;
    }
    
    .payments__grid {
        grid-template-columns: 1fr;
    }
    
    .payments__extras-grid {
        grid-template-columns: 1fr;
    }
    
    .payments__highlight-card {
        padding: 32px 24px;
    }
    
    .guarantees__grid {
        grid-template-columns: 1fr;
    }
    
    .requirements__content {
        grid-template-columns: 1fr;
    }
    
    .cta-image__wrapper {
        grid-template-columns: 1fr;
        gap: 32px;
    }
    
    .cta-image__photo {
        order: -1;
    }
    
    .cta-image__photo img {
        min-height: 250px;
        max-height: 350px;
    }
    
    .cta-image__content {
        text-align: center;
    }

    .cta-image__list {
        text-align: left;
        max-width: 340px;
        margin-left: auto;
        margin-right: auto;
        margin-bottom: 32px;
    }
    
    .apply__wrapper {
        grid-template-columns: 1fr;
    }
    
    .apply__form {
        padding: 28px 20px;
    }
    
    .form-row {
        grid-template-columns: 1fr;
    }
    
    .footer__top {
        grid-template-columns: 1fr;
        gap: 32px;
        text-align: center;
    }
    
    .footer__links {
        flex-direction: row;
        flex-wrap: wrap;
        justify-content: center;
        gap: 16px;
    }
    
    .section {
        padding: 64px 0;
    }
    
    .section__header {
        margin-bottom: 40px;
    }
    
    .modal__content {
        padding: 32px 24px;
    }
    
    .modal__content--wide {
        width: 95%;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 12px;
    }
    
    .header {
        padding: 12px 0;
    }
    
    .logo__icon {
        width: 34px;
        height: 34px;
        font-size: 1rem;
    }
    
    .logo__text {
        font-size: 0.7rem;
    }
    
    .hero__content {
        padding: 90px 0 50px;
    }
    
    .hero__badge {
        font-size: 0.65rem;
        padding: 6px 14px;
        letter-spacing: 1px;
    }
    
    .hero__actions {
        flex-direction: column;
        margin-bottom: 40px;
    }
    
    .hero__actions .btn {
        width: 100%;
        justify-content: center;
    }
    
    .hero__stats {
        flex-direction: column;
        gap: 16px;
        padding-top: 24px;
    }
    
    .hero__stat {
        flex-direction: row;
        align-items: center;
        gap: 12px;
    }
    
    .hero__stat-number {
        font-size: 1.2rem;
        min-width: 120px;
    }
    
    .hero__stat-label {
        font-size: 0.8rem;
    }
    
    .section {
        padding: 48px 0;
    }
    
    .section__header {
        margin-bottom: 32px;
    }
    
    .advantage-card {
        padding: 24px 20px;
    }
    
    .advantage-card__icon {
        font-size: 1.8rem;
        margin-bottom: 14px;
    }
    
    .payment-card {
        padding: 28px 20px;
    }
    
    .payment-card__amount {
        font-size: 1.6rem;
    }
    
    .guarantee-item {
        flex-direction: column;
        gap: 12px;
        padding: 24px 20px;
    }
    
    .cta-image__photo img {
        min-height: 200px;
        max-height: 280px;
    }
    
    .apply__form {
        padding: 24px 16px;
    }
    
    .btn--lg {
        padding: 14px 28px;
        font-size: 0.95rem;
    }
    
    .apply__phone {
        font-size: 1.6rem;
    }
    
    .footer {
        padding: 40px 0 24px;
    }
    
    .footer__phone {
        font-size: 1.6rem;
    }
}

/* ==========================================
   CTA WITH IMAGE
   ========================================== */
.cta-image {
    background: var(--color-bg-alt);
}

.cta-image__wrapper {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: center;
}

.cta-image__photo {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--color-border);
}

.cta-image__photo img {
    width: 100%;
    height: 100%;
    display: block;
    object-fit: cover;
    min-height: 400px;
}

.cta-image__title {
    font-family: var(--font-heading);
    font-size: clamp(1.8rem, 3.5vw, 2.5rem);
    font-weight: 900;
    color: var(--color-primary-dark);
    margin: 12px 0 16px;
    letter-spacing: -0.5px;
}

.cta-image__text {
    font-size: 1rem;
    color: var(--color-text-light);
    line-height: 1.7;
    margin-bottom: 24px;
}

.cta-image__list {
    list-style: none;
    padding: 0;
    margin-bottom: 32px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.cta-image__list li {
    font-size: 0.95rem;
    color: var(--color-text);
    padding-left: 28px;
    position: relative;
}

.cta-image__list li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--color-accent-dark);
    font-weight: 700;
    font-size: 1rem;
}

/* ==========================================
   REQUISITES
   ========================================== */
.requisites {
    margin-top: 20px;
}

.requisites__row {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    padding: 12px 0;
    border-bottom: 1px solid var(--color-border);
    gap: 16px;
}

.requisites__row:last-child {
    border-bottom: none;
}

.requisites__label {
    font-size: 0.85rem;
    color: var(--color-text-light);
    flex-shrink: 0;
    min-width: 130px;
}

.requisites__value {
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--color-text);
    text-align: right;
}

.requisites__divider {
    height: 1px;
    background: var(--color-accent);
    opacity: 0.3;
    margin: 8px 0;
}

.footer__requisites-btn {
    display: inline-block;
    margin-top: 12px;
    background: none;
    border: 1px solid rgba(255,255,255,0.15);
    color: rgba(255,255,255,0.5);
    padding: 8px 20px;
    border-radius: var(--radius-sm);
    font-family: var(--font-main);
    font-size: 0.8rem;
    cursor: pointer;
    transition: var(--transition);
}

.footer__requisites-btn:hover {
    border-color: var(--color-accent);
    color: var(--color-accent);
}

@media (max-width: 480px) {
    .requisites__row {
        flex-direction: column;
        gap: 4px;
    }
    
    .requisites__value {
        text-align: left;
    }
}