*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    :root {
      --accent: #2563EB;
      --accent-dark: #1D4ED8;
      --accent-light: #EFF6FF;
      --dark: #0F172A;
      --mid: #334155;
      --muted: #64748B;
      --border: #E2E8F0;
      --bg: #FFFFFF;
      --bg-soft: #F8FAFC;
      --radius: 12px;
      --radius-lg: 20px;
    }

    html { scroll-behavior: smooth; }

    body {
      font-family: 'Inter', -apple-system, sans-serif;
      color: var(--dark);
      background: var(--bg);
      -webkit-font-smoothing: antialiased;
    }

    /* ─── NAV ─── */
    nav {
      position: sticky;
      top: 0;
      z-index: 100;
      background: rgba(255,255,255,0.92);
      backdrop-filter: blur(12px);
      border-bottom: 1px solid var(--border);
    }
    .nav-inner {
      max-width: 1120px;
      margin: 0 auto;
      padding: 0 24px;
      height: 64px;
      display: flex;
      align-items: center;
      justify-content: space-between;
    }
    .logo {
      font-size: 18px;
      font-weight: 700;
      color: var(--dark);
      text-decoration: none;
      letter-spacing: -0.5px;
    }
    .logo span { color: var(--accent); }
    .nav-links {
      display: flex;
      gap: 32px;
      list-style: none;
    }
    .nav-links a {
      font-size: 14px;
      font-weight: 500;
      color: var(--mid);
      text-decoration: none;
      transition: color 0.15s;
    }
    .nav-links a:hover { color: var(--accent); }
    .nav-cta {
      background: var(--accent);
      color: #fff !important;
      padding: 9px 20px;
      border-radius: 8px;
      font-size: 14px;
      font-weight: 600;
      text-decoration: none;
      transition: background 0.15s;
    }
    .nav-cta:hover { background: var(--accent-dark) !important; }
    /* Nav mobile CTA скрыта по умолчанию (десктоп) */
    .nav-mobile-cta { display: none; }
    /* Mobile: тачскрины (Fold, планшеты) */
    @media (pointer: coarse) {
      .nav-links { display: none; }
      .nav-mobile-cta { display: inline-block; }
    }
    /* Mobile: узкие экраны */
    @media (max-width: 768px) {
      .nav-links { display: none; }
      .nav-mobile-cta { display: inline-block; }
    }

    /* ─── HERO ─── */
    .hero {
      background: linear-gradient(135deg, #0F172A 0%, #1E3A5F 60%, #0F172A 100%);
      padding: 100px 24px 120px;
      text-align: center;
      position: relative;
      overflow: hidden;
    }
    .hero::before {
      content: '';
      position: absolute;
      top: -40%;
      left: 50%;
      transform: translateX(-50%);
      width: 900px;
      height: 900px;
      background: radial-gradient(circle, rgba(37,99,235,0.18) 0%, transparent 70%);
      pointer-events: none;
    }
    .hero-badge {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: rgba(37,99,235,0.2);
      border: 1px solid rgba(37,99,235,0.4);
      color: #93C5FD;
      font-size: 13px;
      font-weight: 500;
      padding: 6px 14px;
      border-radius: 100px;
      margin-bottom: 28px;
    }
    .hero-badge::before {
      content: '';
      width: 6px; height: 6px;
      background: #3B82F6;
      border-radius: 50%;
    }
    .hero h1 {
      font-size: clamp(32px, 5vw, 58px);
      font-weight: 800;
      color: #fff;
      line-height: 1.12;
      letter-spacing: -1.5px;
      max-width: 780px;
      margin: 0 auto 24px;
    }
    .hero h1 em {
      font-style: normal;
      background: linear-gradient(90deg, #60A5FA, #818CF8);
      -webkit-background-clip: text;
      -webkit-text-fill-color: transparent;
    }
    .hero p {
      font-size: 18px;
      color: #94A3B8;
      max-width: 560px;
      margin: 0 auto 40px;
      line-height: 1.65;
    }
    .hero-actions {
      display: flex;
      gap: 14px;
      justify-content: center;
      flex-wrap: wrap;
    }
    .btn-primary {
      background: var(--accent);
      color: #fff;
      font-size: 16px;
      font-weight: 600;
      padding: 14px 32px;
      border-radius: 10px;
      text-decoration: none;
      transition: background 0.15s, transform 0.1s;
    }
    .btn-primary:hover { background: var(--accent-dark); transform: translateY(-1px); }
    .btn-ghost {
      background: rgba(255,255,255,0.08);
      border: 1px solid rgba(255,255,255,0.18);
      color: #fff;
      font-size: 16px;
      font-weight: 500;
      padding: 14px 32px;
      border-radius: 10px;
      text-decoration: none;
      transition: background 0.15s;
    }
    .btn-ghost:hover { background: rgba(255,255,255,0.14); }
    .hero-stats {
      display: flex;
      justify-content: center;
      gap: 48px;
      margin-top: 64px;
      flex-wrap: wrap;
    }
    .hero-stat strong {
      display: block;
      font-size: 28px;
      font-weight: 700;
      color: #fff;
      letter-spacing: -0.5px;
    }
    .hero-stat span {
      font-size: 13px;
      color: #64748B;
      margin-top: 4px;
      display: block;
    }
    /* ─── HERO RATES TEXT ─── */
    .hero-rates-text {
      margin-top: 48px;
      margin-bottom: 16px;
      text-align: center;
    }
    .hero-rates-text .our-rate {
      font-size: 52px;
      font-weight: 800;
      color: #10B981;
      letter-spacing: -2px;
      line-height: 1.1;
    }
    .hero-rates-text .market-rate {
      font-size: 14px;
      color: #64748B;
      margin-top: 10px;
    }
    .hero-rates-text .market-rate a {
      color: #60A5FA;
      text-decoration: none;
    }
    .hero-rates-text .market-rate a:hover {
      text-decoration: underline;
    }


    /* ─── SECTIONS ─── */
    section { padding: 96px 24px; }
    .container { max-width: 1120px; margin: 0 auto; }
    .section-label {
      font-size: 12px;
      font-weight: 600;
      text-transform: uppercase;
      letter-spacing: 1.5px;
      color: var(--accent);
      margin-bottom: 12px;
    }
    .section-title {
      font-size: clamp(26px, 3.5vw, 40px);
      font-weight: 800;
      color: var(--dark);
      letter-spacing: -0.8px;
      line-height: 1.2;
      margin-bottom: 16px;
    }
    .section-sub {
      font-size: 17px;
      color: var(--muted);
      line-height: 1.65;
      max-width: 560px;
    }
    .section-header { margin-bottom: 60px; }

    /* ─── STEPS ─── */
    .steps-bg { background: var(--bg-soft); }
    .steps-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 2px;
      background: var(--border);
      border-radius: var(--radius-lg);
      overflow: hidden;
    }
    @media (max-width: 768px) {
      .nav-mobile-cta { display: inline-block; }
      .steps-grid { grid-template-columns: 1fr; }
    }
    .step {
      background: #fff;
      padding: 40px 36px;
      position: relative;
    }
    .step-num {
      width: 40px; height: 40px;
      background: var(--accent-light);
      color: var(--accent);
      font-size: 16px;
      font-weight: 700;
      border-radius: 10px;
      display: flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 20px;
    }
    .step h3 {
      font-size: 17px;
      font-weight: 700;
      margin-bottom: 12px;
      letter-spacing: -0.3px;
    }
    .step p {
      font-size: 15px;
      color: var(--muted);
      line-height: 1.7;
    }

    /* ─── WHY ─── */
    .why-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 24px;
    }
    @media (max-width: 900px) {
      .why-grid { grid-template-columns: repeat(2, 1fr); }
    }
    @media (max-width: 560px) {
      .why-grid { grid-template-columns: 1fr; }
    }
    .why-card {
      border: 1px solid var(--border);
      border-radius: var(--radius-lg);
      padding: 32px;
      transition: box-shadow 0.2s, transform 0.2s;
    }
    .why-card:hover {
      box-shadow: 0 8px 32px rgba(15,23,42,0.08);
      transform: translateY(-2px);
    }
    .why-icon {
      font-size: 26px;
      margin-bottom: 16px;
    }
    .why-card h3 {
      font-size: 16px;
      font-weight: 700;
      margin-bottom: 10px;
      letter-spacing: -0.2px;
    }
    .why-card p {
      font-size: 14px;
      color: var(--muted);
      line-height: 1.65;
    }

    /* ─── FOR WHO ─── */
    .forwho-bg { background: var(--bg-soft); }
    .forwho-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 20px;
    }
    @media (max-width: 640px) {
      .forwho-grid { grid-template-columns: 1fr; }
    }
    .forwho-card {
      background: #fff;
      border: 1px solid var(--border);
      border-radius: var(--radius-lg);
      padding: 32px;
    }
    .forwho-card .tag {
      display: inline-block;
      background: var(--accent-light);
      color: var(--accent);
      font-size: 11px;
      font-weight: 600;
      text-transform: uppercase;
      letter-spacing: 1px;
      padding: 4px 10px;
      border-radius: 6px;
      margin-bottom: 16px;
    }
    .forwho-card h3 {
      font-size: 17px;
      font-weight: 700;
      margin-bottom: 10px;
      letter-spacing: -0.3px;
    }
    .forwho-card p {
      font-size: 14px;
      color: var(--muted);
      line-height: 1.65;
    }

    /* ─── PRICING ─── */
    .pricing-box {
      background: linear-gradient(135deg, #0F172A 0%, #1E3A5F 100%);
      border-radius: var(--radius-lg);
      padding: 64px;
      display: grid;
      grid-template-columns: 1fr 1fr 1fr;
      gap: 40px;
      align-items: center;
    }
    @media (max-width: 800px) {
      .pricing-box { grid-template-columns: 1fr; padding: 40px 32px; }
    }
    .pricing-item {
      text-align: center;
    }
    .pricing-item + .pricing-item {
      border-left: 1px solid rgba(255,255,255,0.1);
    }
    @media (max-width: 800px) {
      .pricing-item + .pricing-item {
        border-left: none;
        border-top: 1px solid rgba(255,255,255,0.1);
        padding-top: 32px;
      }
    }
    .pricing-value {
      font-size: 40px;
      font-weight: 800;
      color: #fff;
      letter-spacing: -1px;
      margin-bottom: 8px;
    }
    .pricing-label {
      font-size: 14px;
      color: #64748B;
    }

    /* ─── FINTECH B2B ─── */
    .fintech-bg {
      background: var(--accent);
    }
    .fintech-inner {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 64px;
      align-items: center;
    }
    @media (max-width: 768px) {
      .nav-mobile-cta { display: inline-block; }
      .fintech-inner { grid-template-columns: 1fr; gap: 40px; }
    }
    .fintech-bg .section-label { color: #93C5FD; }
    .fintech-bg .section-title { color: #fff; }
    .fintech-bg .section-sub { color: rgba(255,255,255,0.75); max-width: 100%; }
    .fintech-list {
      list-style: none;
      display: flex;
      flex-direction: column;
      gap: 16px;
    }
    .fintech-list li {
      display: flex;
      gap: 12px;
      font-size: 15px;
      color: rgba(255,255,255,0.9);
      line-height: 1.6;
    }
    .fintech-list li::before {
      content: '→';
      color: #93C5FD;
      flex-shrink: 0;
      margin-top: 1px;
    }
    .btn-white {
      display: inline-block;
      margin-top: 32px;
      background: #fff;
      color: var(--accent);
      font-size: 15px;
      font-weight: 700;
      padding: 14px 28px;
      border-radius: 10px;
      text-decoration: none;
      transition: opacity 0.15s;
    }
    .btn-white:hover { opacity: 0.92; }

    /* ─── FAQ ─── */
    .faq-bg { background: var(--bg-soft); }
    .faq-list {
      max-width: 760px;
      margin: 0 auto;
      display: flex;
      flex-direction: column;
      gap: 4px;
    }
    .faq-item {
      background: #fff;
      border: 1px solid var(--border);
      border-radius: var(--radius);
      overflow: hidden;
    }
    .faq-q {
      width: 100%;
      text-align: left;
      padding: 20px 24px;
      font-size: 15px;
      font-weight: 600;
      color: var(--dark);
      background: none;
      border: none;
      cursor: pointer;
      display: flex;
      justify-content: space-between;
      align-items: center;
      gap: 12px;
      transition: color 0.15s;
    }
    .faq-q:hover { color: var(--accent); }
    .faq-icon {
      flex-shrink: 0;
      width: 20px; height: 20px;
      background: var(--bg-soft);
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 14px;
      color: var(--muted);
      transition: transform 0.2s, background 0.2s;
    }
    .faq-item.open .faq-icon {
      transform: rotate(45deg);
      background: var(--accent-light);
      color: var(--accent);
    }
    .faq-a {
      display: none;
      padding: 0 24px 20px;
      font-size: 14px;
      color: var(--muted);
      line-height: 1.75;
      border-top: 1px solid var(--border);
      padding-top: 16px;
    }
    .faq-item.open .faq-a { display: block; }

    /* ─── REGISTER ─── */
    .register-inner {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 64px;
      align-items: start;
    }
    @media (max-width: 768px) {
      .nav-mobile-cta { display: inline-block; }
      .register-inner { grid-template-columns: 1fr; gap: 40px; }
    }
    .type-cards {
      display: flex;
      flex-direction: column;
      gap: 12px;
    }
    .type-card {
      border: 2px solid var(--border);
      border-radius: var(--radius);
      padding: 20px 24px;
      cursor: pointer;
      transition: border-color 0.15s, background 0.15s;
      display: flex;
      align-items: center;
      gap: 16px;
    }
    .type-card:hover, .type-card.active {
      border-color: var(--accent);
      background: var(--accent-light);
    }
    .type-card .tc-icon {
      font-size: 24px;
    }
    .type-card h4 {
      font-size: 15px;
      font-weight: 700;
      margin-bottom: 2px;
    }
    .type-card p {
      font-size: 13px;
      color: var(--muted);
    }
    .reg-form {
      display: flex;
      flex-direction: column;
      gap: 16px;
    }
    .form-group label {
      display: block;
      font-size: 13px;
      font-weight: 600;
      color: var(--mid);
      margin-bottom: 6px;
    }
    .form-group input, .form-group select {
      width: 100%;
      padding: 12px 14px;
      border: 1.5px solid var(--border);
      border-radius: 8px;
      font-size: 15px;
      font-family: inherit;
      color: var(--dark);
      background: #fff;
      outline: none;
      transition: border-color 0.15s;
    }
    .form-group input:focus, .form-group select:focus {
      border-color: var(--accent);
    }
    .btn-submit {
      background: var(--accent);
      color: #fff;
      font-size: 16px;
      font-weight: 600;
      padding: 14px 24px;
      border-radius: 10px;
      border: none;
      cursor: pointer;
      font-family: inherit;
      transition: background 0.15s;
      width: 100%;
    }
    .btn-submit:hover { background: var(--accent-dark); }

    /* ─── CONTACTS ─── */
    .contacts-bg { background: var(--bg-soft); }
    .contacts-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 24px;
    }
    @media (max-width: 768px) {
      .nav-mobile-cta { display: inline-block; }
      .contacts-grid { grid-template-columns: 1fr; }
    }
    .contact-card {
      background: #fff;
      border: 1px solid var(--border);
      border-radius: var(--radius-lg);
      padding: 32px;
    }
    .contact-card .cc-icon {
      font-size: 28px;
      margin-bottom: 16px;
    }
    .contact-card h3 {
      font-size: 14px;
      font-weight: 700;
      color: var(--muted);
      text-transform: uppercase;
      letter-spacing: 0.8px;
      margin-bottom: 8px;
    }
    .contact-card a {
      font-size: 16px;
      font-weight: 600;
      color: var(--accent);
      text-decoration: none;
    }
    .contact-card a:hover { text-decoration: underline; }

    /* ─── FOOTER ─── */
    footer {
      background: var(--dark);
      padding: 40px 24px;
      text-align: center;
    }
    footer .footer-logo {
      font-size: 16px;
      font-weight: 700;
      color: #fff;
      letter-spacing: -0.3px;
      margin-bottom: 16px;
    }
    footer .footer-logo span { color: #60A5FA; }
    footer p {
      font-size: 12px;
      color: #475569;
      line-height: 1.8;
    }

    /* ─── MOBILE ─── */
    @media (max-width: 480px) {
      /* Nav — показываем кнопку CTA на мобиле */
      .nav-mobile-cta {
        display: inline-flex !important;
      }

      /* Sections — меньше отступы */
      section { padding: 60px 20px; }

      /* Hero */
      .hero { padding: 64px 20px 72px; }
      .hero h1 {
        font-size: 28px;
        letter-spacing: -0.8px;
        line-height: 1.18;
      }
      .hero h1 br { display: none; }
      .hero p { font-size: 15px; margin-bottom: 32px; }
      .hero-badge { font-size: 12px; padding: 5px 12px; margin-bottom: 20px; }
      .hero-actions { flex-direction: column; align-items: stretch; gap: 10px; }
      .btn-primary, .btn-ghost {
        text-align: center;
        padding: 15px 20px;
        font-size: 15px;
      }
      .hero-stats {
        display: grid;
        grid-template-columns: 1fr 1fr;
        gap: 20px 12px;
        margin-top: 48px;
      }
      .hero-stat { text-align: center; }
      .hero-stat strong { font-size: 22px; }
      .hero-stat span { font-size: 12px; }

      /* Steps */
      .step { padding: 28px 24px; }
      .step h3 { font-size: 16px; }
      .step p { font-size: 14px; }

      /* Why */
      .why-card { padding: 24px 20px; }
      .why-card h3 { font-size: 15px; }

      /* For who */
      .forwho-card { padding: 24px 20px; }
      .forwho-card h3 { font-size: 16px; }

      /* Pricing */
      .pricing-box { padding: 36px 24px; }
      .pricing-value { font-size: 32px; }

      /* Fintech */
      .fintech-bg section, .fintech-bg { padding: 60px 20px; }

      /* FAQ */
      .faq-q { padding: 18px 20px; font-size: 14px; min-height: 56px; }
      .faq-a { padding: 0 20px 18px; padding-top: 14px; }

      /* Register */
      .type-card { padding: 16px 18px; }
      .type-card .tc-icon { font-size: 20px; }
      .type-card h4 { font-size: 14px; }
      .type-card p { font-size: 12px; }

      /* Form — 16px чтобы iOS не зумил */
      .form-group input,
      .form-group select { font-size: 16px; padding: 13px 14px; }
      .btn-submit { font-size: 16px; padding: 15px; }

      /* Contacts */
      .contact-card { padding: 24px 20px; }
      .contact-card a { font-size: 14px; word-break: break-all; }

      /* Section headers */
      .section-header { margin-bottom: 40px; }
      .section-sub { font-size: 15px; }
    }

    /* Средние телефоны 481–768 */
    @media (min-width: 481px) and (max-width: 768px) {
      section { padding: 72px 24px; }
      .hero { padding: 80px 24px 96px; }
      .hero-stats { gap: 28px; }
      .hero-stat strong { font-size: 24px; }
      .form-group input, .form-group select { font-size: 16px; }
    }

    /* Nav mobile CTA: базовое состояние перенесено выше, перед media queries */

    /* ─── MODAL ─── */
    .modal-type-btn {
      width: 100%;
      display: flex;
      align-items: center;
      gap: 16px;
      padding: 18px 20px;
      border: 2px solid var(--border);
      border-radius: var(--radius);
      background: #fff;
      cursor: pointer;
      transition: border-color 0.15s, background 0.15s;
      font-family: inherit;
    }
    .modal-type-btn:hover {
      border-color: var(--accent);
      background: var(--accent-light);
    }
    .modal-type-btn.selected {
      border-color: var(--accent);
      background: var(--accent-light);
    }
    @media (max-width: 480px) {
      #reg-modal > div { padding: 32px 24px; }
    }