/* ============================================================
   Актив Финанс — дизайн-система (светлый SaaS, оранжевый акцент)
   Шрифт Golos Text. Многостраничный, без сборки.
   ============================================================ */
:root{
  --bg:#ffffff; --grey:#F5F6F7; --grey-2:#EEF0F2; --card:#ffffff;
  --ink:#0C1A26; --ink-2:#5B6A76; --ink-3:#8A96A0;
  --accent:#FF5A2C; --accent-2:#E8481D; --accent-soft:#FFECE5; --on-accent:#ffffff;
  --line:#E6E8EB; --line-2:#EFF1F3;
  --ok:#1E8E5A; --ok-soft:#E4F4EC;
  --r:12px; --r-sm:8px; --r-lg:20px;
  --shadow:0 1px 2px rgba(12,26,38,.04),0 8px 24px rgba(12,26,38,.06);
  --shadow-lg:0 12px 40px rgba(12,26,38,.12);
  --f:"Golos Text",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
  --maxw:1180px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--f);font-size:17px;line-height:1.55;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{margin:0;font-weight:700;line-height:1.14;letter-spacing:-.02em}
h1{font-size:clamp(2rem,4.4vw,3.3rem)}
h2{font-size:clamp(1.6rem,3.3vw,2.5rem)}
h3{font-size:1.2rem}
p{margin:0}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.wrap{max-width:var(--maxw);margin-inline:auto;padding-inline:clamp(1rem,4vw,2rem)}
.tnum{font-variant-numeric:tabular-nums}
.eyebrow{font-weight:600;font-size:.8rem;letter-spacing:.02em;color:var(--accent);text-transform:uppercase}
.muted{color:var(--ink-2)}
.center{text-align:center}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-family:var(--f);font-weight:600;font-size:1rem;padding:.95rem 1.6rem;border-radius:var(--r-sm);border:1.5px solid transparent;cursor:pointer;transition:transform .12s,background .18s,color .18s,border-color .18s;line-height:1;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--accent);color:var(--on-accent)}
.btn-primary:hover{background:var(--accent-2)}
.btn-ghost{background:var(--bg);color:var(--ink);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--ink)}
.btn-dark{background:var(--ink);color:#fff}
.btn-dark:hover{background:#06101a}
.btn-lg{padding:1.1rem 2rem;font-size:1.05rem}
.btn-block{width:100%}
.arrow{transition:transform .16s}
.btn:hover .arrow{transform:translateX(3px)}

/* header */
header.site{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:1.4rem;height:68px}
.brand{display:flex;align-items:center;gap:.55rem;font-weight:800;font-size:1.15rem;letter-spacing:-.02em}
.brand .m{width:32px;height:32px;flex:none}
.nav ul{display:flex;gap:.15rem;list-style:none;margin:0 auto 0 1rem;padding:0}
.nav ul a{font-weight:500;font-size:.94rem;color:var(--ink-2);padding:.5rem .65rem;border-radius:6px;transition:.15s}
.nav ul a:hover{color:var(--ink);background:var(--grey)}
.nav ul a[aria-current="page"]{color:var(--accent)}
.has-sub{position:relative}
.submenu{position:absolute;top:calc(100% + 6px);left:0;min-width:250px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-lg);padding:.4rem;list-style:none;margin:0;opacity:0;visibility:hidden;transform:translateY(6px);transition:.16s}
.has-sub:hover .submenu,.has-sub:focus-within .submenu{opacity:1;visibility:visible;transform:none}
.submenu a{display:block;padding:.55rem .7rem;border-radius:6px;font-size:.92rem}
.nav .lang{display:flex;gap:.1rem;border:1px solid var(--line);border-radius:999px;padding:.15rem}
.nav .lang a{padding:.22rem .55rem;border-radius:999px;font-size:.8rem;font-weight:700;color:var(--ink-2)}
.nav .lang a.on{background:var(--accent);color:#fff}
.nav .phone{font-weight:600;font-size:.95rem;white-space:nowrap}
.nav .phone:hover{color:var(--accent)}
.burger{display:none;margin-left:auto;background:none;border:0;cursor:pointer;padding:.4rem}
.burger span{display:block;width:26px;height:2px;background:var(--ink);margin:6px 0;transition:.25s;border-radius:2px}

/* hero */
.hero{background:linear-gradient(180deg,#fff 0%,var(--grey) 100%)}
.hero .wrap{padding-block:clamp(2.2rem,5vw,3.6rem)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(1.5rem,5vw,4rem);align-items:center}
.hero .price{display:inline-flex;align-items:baseline;gap:.5rem;background:var(--accent-soft);color:var(--accent-2);font-weight:700;padding:.45rem .9rem;border-radius:999px;font-size:1.02rem;margin-bottom:1.2rem}
.hero .price b{font-size:1.12rem}
.hero h1{margin-bottom:1rem}
.hero .sub{font-size:clamp(1.05rem,1.6vw,1.25rem);color:var(--ink-2);max-width:40ch;margin-bottom:1.7rem}
.hero .btns{display:flex;flex-wrap:wrap;gap:.7rem;align-items:center}
.hero .note{font-size:.9rem;color:var(--ink-3);margin-top:1.1rem}
.hero-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);padding:1.6rem}
.hero-card h3{margin-bottom:1rem}
.mini-list{list-style:none;margin:0;padding:0;display:grid;gap:.65rem}
.mini-list li{display:flex;gap:.7rem;align-items:flex-start;font-size:.97rem}
.mini-list .ck{flex:none;width:22px;height:22px;border-radius:50%;background:var(--accent-soft);color:var(--accent-2);display:grid;place-items:center;font-size:.8rem;font-weight:800;margin-top:1px}
.hero-card .tot{display:flex;justify-content:space-between;align-items:baseline;border-top:1px solid var(--line);margin-top:1.1rem;padding-top:1rem}
.hero-card .tot b{font-size:1.5rem;font-weight:800}

/* marquee */
.marquee{border-block:1px solid var(--line);background:#fff;padding-block:.9rem;overflow:hidden;display:flex;flex-direction:column;gap:.7rem}
.mq{display:flex;gap:.7rem;width:max-content;animation:mq 40s linear infinite}
.mq.rev{animation-direction:reverse;animation-duration:48s}
@keyframes mq{to{transform:translateX(-50%)}}
.marquee:hover .mq{animation-play-state:paused}
.tag{border:1px solid var(--line);background:var(--grey);border-radius:999px;padding:.5rem 1rem;font-size:.9rem;font-weight:500;color:var(--ink-2);white-space:nowrap}
.tag.hot{background:var(--accent-soft);border-color:transparent;color:var(--accent-2)}

/* sections */
section{padding-block:clamp(3rem,7vw,5.5rem)}
.grey{background:var(--grey)}
.ink{background:var(--ink);color:#fff}
.sec-head{max-width:60ch;margin-bottom:clamp(1.8rem,4vw,2.8rem)}
.sec-head.center{margin-inline:auto}
.sec-head h2{margin-top:.6rem}
.sec-head p{color:var(--ink-2);margin-top:.9rem;font-size:1.08rem}
.ink .sec-head p{color:rgba(255,255,255,.7)}

/* pricing */
.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.plan{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.7rem;display:flex;flex-direction:column;transition:box-shadow .2s,transform .2s,border-color .2s}
.plan:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.plan.feat{border-color:var(--accent);box-shadow:var(--shadow);position:relative}
.plan.feat::after{content:attr(data-badge);position:absolute;top:-11px;left:1.7rem;background:var(--accent);color:#fff;font-size:.72rem;font-weight:700;padding:.25rem .7rem;border-radius:999px}
.plan .tags{display:flex;gap:.4rem;flex-wrap:wrap;margin-bottom:.8rem}
.plan .chip{font-size:.75rem;font-weight:600;color:var(--ink-2);background:var(--grey-2);border-radius:6px;padding:.2rem .5rem}
.plan .pn{font-weight:700;font-size:1.2rem}
.plan .pp{font-weight:800;font-size:1.9rem;margin:.7rem 0 .2rem}
.plan .pp small{font-size:.9rem;font-weight:600;color:var(--ink-2)}
.plan .inc{font-size:.82rem;font-weight:600;color:var(--ink-3);text-transform:uppercase;letter-spacing:.04em;margin:1rem 0 .7rem}
.plan ul{list-style:none;margin:0 0 1.4rem;padding:0;display:grid;gap:.6rem;flex:1}
.plan ul li{display:flex;gap:.55rem;font-size:.94rem;color:var(--ink-2);line-height:1.4}
.plan ul li::before{content:"";flex:none;width:18px;height:18px;margin-top:1px;background:var(--accent);border-radius:50%;-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='white' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/12px no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='white' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/12px no-repeat}

/* two-col "do for you" + form */
.do-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:clamp(2rem,5vw,3.5rem);align-items:center}
.do-list{list-style:none;margin:0;padding:0;display:grid;gap:.9rem}
.do-list li{display:flex;gap:.8rem;background:var(--card);border:1px solid var(--line);border-radius:var(--r-sm);padding:.9rem 1.1rem;font-size:.98rem}
.do-list .ck{flex:none;width:24px;height:24px;border-radius:50%;background:var(--accent);color:#fff;display:grid;place-items:center;font-weight:800;font-size:.85rem}
.do-cta{background:var(--ink);color:#fff;border-radius:var(--r-lg);padding:2rem}
.do-cta h3{color:#fff;font-size:1.4rem;margin-bottom:.6rem}
.do-cta p{color:rgba(255,255,255,.7);margin-bottom:1.4rem}

/* forms */
.field{display:block;margin-bottom:.8rem}
.field label{display:block;font-size:.85rem;font-weight:600;margin-bottom:.35rem}
.field input,.field select,.field textarea{width:100%;padding:.8rem 1rem;border-radius:var(--r-sm);border:1px solid var(--line);background:#fff;color:var(--ink);font:inherit;font-size:.97rem}
.field textarea{min-height:110px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft)}
.consent{font-size:.8rem;color:var(--ink-3);margin-top:.5rem}
/* dark form (inside .do-cta / .ink) */
.do-cta .field label{color:rgba(255,255,255,.85)}
.do-cta .field input,.do-cta .field select{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.2);color:#fff}
.do-cta .field input::placeholder{color:rgba(255,255,255,.5)}
.do-cta .consent{color:rgba(255,255,255,.55)}

/* 3 features */
.feat3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.f3{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.6rem}
.f3 .ic{width:48px;height:48px;border-radius:12px;background:var(--accent-soft);color:var(--accent-2);display:grid;place-items:center;margin-bottom:1rem}
.f3 .ic svg{width:24px;height:24px}
.f3 h3{margin-bottom:.5rem}
.f3 p{color:var(--ink-2);font-size:.97rem}

/* advantages */
.adv{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.adv .a{background:var(--card);padding:1.5rem}
.adv .n{font-weight:800;font-size:1.1rem;color:var(--accent);margin-bottom:.7rem}
.adv h3{font-size:1.02rem;margin-bottom:.4rem}
.adv p{font-size:.9rem;color:var(--ink-2)}

/* ============ CALCULATORS ============ */
.calc{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow);display:grid;grid-template-columns:1.2fr 1fr;overflow:hidden}
.calc .form{padding:clamp(1.5rem,3vw,2.2rem)}
.calc .form .row{margin-bottom:1.1rem}
.calc label.l{display:block;font-size:.85rem;font-weight:600;margin-bottom:.5rem}
.seg{display:flex;gap:.5rem;flex-wrap:wrap}
.seg button{flex:1;min-width:80px;padding:.7rem .6rem;border:1px solid var(--line);background:var(--bg);border-radius:var(--r-sm);font:inherit;font-size:.92rem;font-weight:500;color:var(--ink-2);cursor:pointer;transition:.15s}
.seg button.on{border-color:var(--accent);background:var(--accent-soft);color:var(--accent-2);font-weight:600}
.calc input[type=range]{width:100%;accent-color:var(--accent)}
.calc .rng-val{font-weight:700}
.calc .out{background:var(--ink);color:#fff;padding:clamp(1.5rem,3vw,2.2rem);display:flex;flex-direction:column;justify-content:center}
.calc .out .lbl{color:rgba(255,255,255,.6);font-size:.9rem}
.calc .out .big{font-size:clamp(2.2rem,4vw,3rem);font-weight:800;margin:.3rem 0 .1rem;letter-spacing:-.02em}
.calc .out .per{color:rgba(255,255,255,.6);font-size:.95rem;margin-bottom:1.4rem}
.calc .out .btn{width:100%}
.calc .out .disc{font-size:.78rem;color:rgba(255,255,255,.5);margin-top:.9rem}

/* salary calculator */
.scalc{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow);display:grid;grid-template-columns:1fr 1.05fr;overflow:hidden}
.scalc .form{padding:clamp(1.5rem,3vw,2.2rem)}
.scalc .amount{position:relative}
.scalc .amount input{width:100%;padding:1rem 3rem 1rem 1rem;border:1px solid var(--line);border-radius:var(--r-sm);font:inherit;font-size:1.3rem;font-weight:700;color:var(--ink)}
.scalc .amount input:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft)}
.scalc .amount .cur{position:absolute;right:1rem;top:50%;transform:translateY(-50%);font-weight:700;color:var(--ink-3)}
.scalc .res{background:var(--ink);color:#fff;padding:clamp(1.5rem,3vw,2.2rem);display:flex;flex-direction:column}
.scalc .res .hd{color:rgba(255,255,255,.6);font-size:.88rem;margin-bottom:.2rem}
.scalc .res .net{font-size:clamp(2rem,3.6vw,2.7rem);font-weight:800;letter-spacing:-.02em}
.scalc .res .net small{font-size:.9rem;font-weight:600;color:rgba(255,255,255,.6)}
.bd{list-style:none;margin:1.2rem 0 0;padding:0}
.bd li{display:flex;justify-content:space-between;gap:1rem;padding:.55rem 0;border-top:1px solid rgba(255,255,255,.12);font-size:.94rem}
.bd li .lb{color:rgba(255,255,255,.72)}
.bd li .lb small{color:rgba(255,255,255,.45);font-weight:400}
.bd li .vl{font-weight:600;font-variant-numeric:tabular-nums;white-space:nowrap}
.bd li.sum{border-top:1px solid rgba(255,255,255,.3);margin-top:.3rem;font-weight:700}
.bd li.sum .vl{color:#fff}
.bd-group-t{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:rgba(255,255,255,.45);margin-top:1rem;font-weight:600}

/* faq */
.faq{max-width:840px;margin-inline:auto}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:var(--r-sm);margin-bottom:.7rem;padding:0 1.3rem}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:1rem;align-items:center;padding:1.1rem 0;font-weight:600}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--accent);font-size:1.5rem;line-height:1;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{color:var(--ink-2);padding-bottom:1.2rem}

/* final cta */
.final{background:var(--ink);color:#fff;text-align:center}
.final h2{color:#fff}
.final p{color:rgba(255,255,255,.7);max-width:46ch;margin:1rem auto 0}
.final .btns{display:flex;gap:.8rem;justify-content:center;flex-wrap:wrap;margin-top:1.8rem}

/* page head (inner pages) */
.page-head{background:var(--grey);border-bottom:1px solid var(--line);padding-block:clamp(2rem,5vw,3.2rem)}
.crumbs{font-size:.85rem;color:var(--ink-3);margin-bottom:1rem}
.crumbs a{color:var(--ink-3)}.crumbs a:hover{color:var(--accent)}
.crumbs span{margin:0 .4rem}
.page-head h1{margin-bottom:.7rem}
.page-head p{color:var(--ink-2);max-width:60ch;font-size:1.1rem}

/* prose (article) */
.prose{max-width:760px;margin-inline:auto}
.prose h2{margin-top:2rem;margin-bottom:.6rem}
.prose h3{margin-top:1.4rem;margin-bottom:.4rem}
.prose p{margin-bottom:1rem;color:var(--ink)}
.prose ul,.prose ol{margin:0 0 1rem;padding-left:1.3rem;color:var(--ink-2)}
.prose li{margin-bottom:.4rem}
.article-meta{color:var(--ink-3);font-size:.9rem;margin-bottom:1.5rem}

/* contact list */
.contact-list{list-style:none;margin:0;padding:0}
.contact-list li{display:flex;gap:.8rem;align-items:flex-start;margin-bottom:1.1rem}
.contact-list .ic{flex:none;width:42px;height:42px;border-radius:10px;background:var(--accent-soft);color:var(--accent-2);display:grid;place-items:center}
.contact-list .ic svg{width:20px;height:20px}
.contact-list b{display:block}
.contact-list a:hover{color:var(--accent)}

/* generic 2-col */
.two{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,3.5rem)}
.check-list{list-style:none;margin:0;padding:0}
.check-list li{position:relative;padding-left:1.9rem;margin-bottom:.7rem;color:var(--ink-2)}
.check-list li b{color:var(--ink)}
.check-list li::before{content:"";position:absolute;left:0;top:.15rem;width:20px;height:20px;background:var(--accent);border-radius:50%;-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='white' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/13px no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='white' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/13px no-repeat}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem;counter-reset:s}
.step{border-top:2px solid var(--accent);padding-top:1rem}
.step::before{counter-increment:s;content:"0" counter(s);font-weight:800;font-size:1.6rem;color:var(--accent);display:block;margin-bottom:.4rem}
.step h3{font-size:1.05rem;margin-bottom:.3rem}
.step p{color:var(--ink-2);font-size:.94rem}

/* footer */
footer.site{background:#08131c;color:rgba(255,255,255,.6);padding-block:3rem 1.8rem}
footer.site a{color:rgba(255,255,255,.82)}
footer.site a:hover{color:#fff}
.foot{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:2rem}
.foot .fb{display:flex;align-items:center;gap:.5rem;font-weight:800;font-size:1.15rem;color:#fff;margin-bottom:.9rem}
.foot h4{color:#fff;font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;margin:0 0 .9rem}
.foot ul{list-style:none;margin:0;padding:0}
.foot li{margin-bottom:.55rem;font-size:.95rem}
.fbot{border-top:1px solid rgba(255,255,255,.12);margin-top:2.4rem;padding-top:1.3rem;display:flex;flex-wrap:wrap;gap:.5rem 1.5rem;justify-content:space-between;font-size:.83rem;color:rgba(255,255,255,.45)}

/* reveal + toast */
.rv{opacity:0;transform:translateY(16px);transition:opacity .6s cubic-bezier(.16,1,.3,1),transform .6s cubic-bezier(.16,1,.3,1)}
.rv.in{opacity:1;transform:none}
.toast{position:fixed;left:50%;bottom:24px;transform:translate(-50%,140%);background:var(--ink);color:#fff;padding:.9rem 1.4rem;border-radius:var(--r-sm);font-weight:600;z-index:100;transition:transform .3s}
.toast.show{transform:translate(-50%,0)}

@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr}
  .hero-card{order:-1;max-width:560px}
  .do-grid,.two{grid-template-columns:1fr}
  .calc,.scalc{grid-template-columns:1fr}
  .adv,.steps{grid-template-columns:repeat(2,1fr)}
  .plans,.feat3{grid-template-columns:1fr}
  .foot{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  .nav ul{display:none;position:fixed;inset:68px 0 auto 0;flex-direction:column;background:#fff;border-bottom:1px solid var(--line);padding:.8rem;margin:0;max-height:calc(100vh - 68px);overflow-y:auto}
  .nav ul.open{display:flex}
  .nav ul a{padding:.8rem;font-size:1.05rem;color:var(--ink)}
  .submenu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:0 0 0 1rem;min-width:0}
  .nav .phone{display:none}
  .burger{display:block}
}
@media (max-width:520px){.adv,.steps,.foot{grid-template-columns:1fr}.seg button{min-width:64px}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}.rv{opacity:1;transform:none}.mq{animation:none!important}}