/* =========================================================
   Марина Ануфриева — страховой агент
   Один экран, без внешних зависимостей
   ========================================================= */

:root{
  --ink:        #101A2B;
  --ink-2:      #1B2739;
  --text:       #222B3A;
  --muted:      #66707F;
  --line:       #E4DED2;
  --bg:         #F7F4EE;
  --card:       #FFFFFF;
  --gold:       #A9812F;
  --gold-line:  #D9C08A;
  --gold-tint:  #F4ECDA;
  --shadow:     0 18px 40px -24px rgba(16, 26, 43, .35);
  --radius:     16px;
  --wrap:       1120px;
  --serif:      Georgia, "Times New Roman", "PT Serif", serif;
  --sans:       -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

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

html{ scroll-behavior: smooth; }

body{
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3{
  font-family: var(--serif);
  font-weight: 400;
  color: var(--ink);
  line-height: 1.12;
  letter-spacing: -.01em;
  margin: 0;
  text-wrap: balance;
}

p{ margin: 0; }
ul{ margin: 0; padding: 0; list-style: none; }
a{ color: inherit; }
img, svg{ max-width: 100%; }

.wrap{
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 24px;
}

.skip-link{
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--ink);
  color: #fff;
  padding: 12px 18px;
  z-index: 200;
  border-radius: 0 0 10px 0;
}
.skip-link:focus{ left: 0; }

/* ---------- buttons ---------- */

.btn{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 26px;
  border-radius: 999px;
  font-size: 15px;
  font-weight: 600;
  letter-spacing: .01em;
  text-decoration: none;
  border: 1px solid transparent;
  transition: transform .18s ease, background-color .18s ease,
              border-color .18s ease, color .18s ease, box-shadow .18s ease;
  cursor: pointer;
  white-space: nowrap;
}
.btn:active{ transform: translateY(1px); }

.btn-primary{
  background: var(--gold);
  color: #fff;
  box-shadow: 0 12px 24px -14px rgba(169, 129, 47, .9);
}
.btn-primary:hover{ background: #96721f; }

.btn-line{
  border-color: rgba(255, 255, 255, .35);
  color: #fff;
}
.btn-line:hover{ border-color: #fff; background: rgba(255, 255, 255, .08); }

.btn-ghost{
  border-color: var(--line);
  color: var(--ink);
  background: transparent;
  padding: 11px 22px;
  font-size: 14px;
}
.btn-ghost:hover{ border-color: var(--gold-line); color: var(--gold); }

/* ---------- header ---------- */

.site-header{
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(247, 244, 238, .88);
  backdrop-filter: saturate(140%) blur(12px);
  -webkit-backdrop-filter: saturate(140%) blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.site-header.is-scrolled{
  border-bottom-color: var(--line);
  box-shadow: 0 10px 30px -26px rgba(16, 26, 43, .5);
}

.header-inner{
  display: flex;
  align-items: center;
  gap: 28px;
  min-height: 76px;
}

.brand{
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  margin-right: auto;
}

.brand-mark{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: var(--ink);
  color: var(--gold-tint);
  font-family: var(--serif);
  font-size: 16px;
  letter-spacing: .04em;
  flex: none;
}
.brand-mark-sm{ width: 32px; height: 32px; font-size: 13px; border-radius: 9px; }

.brand-text{ display: flex; flex-direction: column; line-height: 1.2; }
.brand-text strong{
  font-family: var(--serif);
  font-weight: 400;
  font-size: 17px;
  color: var(--ink);
  letter-spacing: .01em;
}
.brand-text small{
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--muted);
}

.nav{ display: flex; align-items: center; gap: 26px; }
.nav a{
  position: relative;
  font-size: 15px;
  color: var(--text);
  text-decoration: none;
  padding: 6px 0;
}
.nav a::after{
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 1px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .22s ease;
}
.nav a:hover::after,
.nav a:focus-visible::after{ transform: scaleX(1); }

.burger{
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: transparent;
  padding: 0;
  cursor: pointer;
}
.burger span{
  display: block;
  width: 18px;
  height: 1.5px;
  margin: 4px auto;
  background: var(--ink);
  transition: transform .2s ease, opacity .2s ease;
}
.burger[aria-expanded="true"] span:nth-child(1){ transform: translateY(5.5px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2){ opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3){ transform: translateY(-5.5px) rotate(-45deg); }

/* ---------- hero ---------- */

.hero{
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(900px 420px at 78% 10%, rgba(169, 129, 47, .22), transparent 65%),
    radial-gradient(700px 380px at 6% 92%, rgba(56, 84, 128, .35), transparent 60%),
    linear-gradient(160deg, #0E1726 0%, #16233A 52%, #101A2B 100%);
  color: #F3EFE7;
  padding: 96px 0 104px;
}
.hero::after{
  content: "";
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255, 255, 255, .035) 1px, transparent 1px);
  background-size: 100% 88px;
  mask-image: linear-gradient(to bottom, rgba(0,0,0,.7), transparent 85%);
  -webkit-mask-image: linear-gradient(to bottom, rgba(0,0,0,.7), transparent 85%);
  pointer-events: none;
}

.hero-inner{
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(0, .78fr);
  gap: 64px;
  align-items: center;
}

.eyebrow{
  font-size: 12.5px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .18em;
  color: var(--gold);
  margin-bottom: 18px;
}
.hero .eyebrow{ color: #D9BE83; }

.hero h1{
  color: #FBF8F2;
  font-size: clamp(38px, 5.4vw, 62px);
  line-height: 1.04;
  letter-spacing: -.015em;
  max-width: 15ch;
}

.lead{
  margin-top: 26px;
  font-size: clamp(16px, 1.6vw, 19px);
  line-height: 1.62;
  color: #C9CFDA;
  max-width: 56ch;
}

.hero-actions{
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 36px;
}

.hero-points{
  display: flex;
  flex-wrap: wrap;
  gap: 10px 26px;
  margin-top: 38px;
  padding-top: 26px;
  border-top: 1px solid rgba(255, 255, 255, .12);
  font-size: 14px;
  color: #AEB6C4;
}
.hero-points li{ display: flex; align-items: center; gap: 9px; }
.hero-points li::before{
  content: "";
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--gold-line);
  flex: none;
}

.hero-card{
  background: rgba(255, 255, 255, .045);
  border: 1px solid rgba(255, 255, 255, .12);
  border-radius: 20px;
  padding: 30px 28px 26px;
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
}
.hero-card-title{
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: .16em;
  color: #CBB98F;
  margin-bottom: 18px;
}
.hero-card ul{ display: grid; gap: 2px; }
.hero-card li{
  display: flex;
  align-items: baseline;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255, 255, 255, .08);
  font-size: 15.5px;
  color: #E7EBF2;
}
.hero-card li:last-child{ border-bottom: 0; }
.hero-card li span{
  font-family: var(--serif);
  font-size: 13px;
  color: var(--gold-line);
  flex: none;
}
.hero-card-link{
  display: inline-block;
  margin-top: 18px;
  font-size: 14px;
  color: #E4D3AE;
  text-decoration: none;
  border-bottom: 1px solid rgba(228, 211, 174, .35);
  padding-bottom: 2px;
}
.hero-card-link:hover{ border-bottom-color: #E4D3AE; }

/* ---------- strip ---------- */

.strip{
  background: var(--ink-2);
  color: #EDF0F5;
  border-top: 1px solid rgba(255, 255, 255, .06);
}
.strip-inner{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 34px;
  padding: 28px 24px;
}
.strip-item{ display: flex; flex-direction: column; gap: 3px; font-size: 14.5px; }
.strip-item strong{
  font-family: var(--serif);
  font-weight: 400;
  font-size: 17px;
  color: #F6F2EA;
}
.strip-item span{ color: #A9B3C2; font-size: 14px; }

/* ---------- sections ---------- */

.section{ padding: 96px 0; }
.section-alt{ background: #F1ECE2; }

.section-head{ max-width: 720px; margin-bottom: 52px; }
.section-head h2{
  font-size: clamp(30px, 3.6vw, 42px);
  margin-bottom: 18px;
}
.section-sub{
  color: var(--muted);
  font-size: 17px;
  max-width: 60ch;
}
.section-head-light h2{ color: #FBF8F2; }
.section-head-light .section-sub{ color: #AEB6C4; }
.section-head-light .eyebrow{ color: #D9BE83; }

.grid{ display: grid; gap: 22px; }

/* ---------- service cards ---------- */

.cards{ grid-template-columns: repeat(3, minmax(0, 1fr)); }

.card{
  position: relative;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 30px 28px 32px;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.card:hover{
  transform: translateY(-3px);
  border-color: var(--gold-line);
  box-shadow: var(--shadow);
}
.card-icon{
  width: 46px;
  height: 46px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  background: var(--gold-tint);
  color: var(--gold);
  margin-bottom: 22px;
}
.card-icon svg{ width: 24px; height: 24px; }
.card h3{ font-size: 22px; margin-bottom: 10px; }
.card p{ color: var(--muted); font-size: 15.5px; line-height: 1.62; }

/* ---------- steps ---------- */

.steps{ grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 30px; }
.step{ border-top: 1px solid var(--gold-line); padding-top: 22px; }
.step-num{
  font-family: var(--serif);
  font-size: 15px;
  color: var(--gold);
  letter-spacing: .06em;
}
.step h3{ font-size: 20px; margin: 12px 0 10px; }
.step p{ color: var(--muted); font-size: 15px; line-height: 1.6; }

/* ---------- about ---------- */

.about{
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(0, .75fr);
  gap: 64px;
  align-items: start;
}
.about h2{ font-size: clamp(30px, 3.4vw, 40px); margin: 0 0 22px; }
.about-text p{ color: #46505F; margin-bottom: 18px; max-width: 62ch; }

.about-list{
  margin-top: 26px;
  display: grid;
  gap: 12px;
  font-size: 15.5px;
}
.about-list li{
  position: relative;
  padding-left: 26px;
  color: var(--text);
}
.about-list li::before{
  content: "";
  position: absolute;
  left: 0;
  top: .62em;
  width: 12px;
  height: 1px;
  background: var(--gold);
}

.about-card{
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 34px 32px;
  box-shadow: var(--shadow);
}
.about-card-quote{
  font-family: var(--serif);
  font-size: 21px;
  line-height: 1.45;
  color: var(--ink);
  margin-bottom: 28px;
}
.about-facts{ margin: 0; display: grid; gap: 1px; background: var(--line); border-radius: 12px; overflow: hidden; }
.about-facts > div{
  background: var(--card);
  padding: 14px 16px;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  font-size: 14.5px;
}
.about-facts dt{ color: var(--muted); }
.about-facts dd{ margin: 0; font-weight: 600; color: var(--ink); text-align: right; }

/* ---------- faq ---------- */

.faq{ max-width: 820px; border-top: 1px solid var(--line); }
.faq details{ border-bottom: 1px solid var(--line); }
.faq summary{
  list-style: none;
  cursor: pointer;
  padding: 22px 44px 22px 0;
  position: relative;
  font-family: var(--serif);
  font-size: 19px;
  color: var(--ink);
}
.faq summary::-webkit-details-marker{ display: none; }
.faq summary::after{
  content: "+";
  position: absolute;
  right: 8px;
  top: 50%;
  transform: translateY(-50%);
  font-family: var(--sans);
  font-size: 22px;
  font-weight: 300;
  color: var(--gold);
  transition: transform .2s ease;
}
.faq details[open] summary::after{ content: "–"; }
.faq details p{
  padding: 0 60px 24px 0;
  color: var(--muted);
  font-size: 15.5px;
  margin-top: -4px;
}

/* ---------- contacts ---------- */

.contacts{
  background:
    radial-gradient(700px 320px at 82% 0%, rgba(169, 129, 47, .2), transparent 62%),
    linear-gradient(170deg, #101A2B, #17243A);
  color: #EDF0F5;
}
.contacts .section-head{ margin-bottom: 44px; }

.contact-cards{ grid-template-columns: repeat(3, minmax(0, 1fr)); }
.contact-card{
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding: 28px 26px;
  border: 1px solid rgba(255, 255, 255, .13);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, .04);
  text-decoration: none;
  transition: border-color .2s ease, background-color .2s ease, transform .2s ease;
}
.contact-card:hover{
  border-color: rgba(217, 192, 138, .55);
  background: rgba(255, 255, 255, .07);
  transform: translateY(-2px);
}
.contact-label{
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: .16em;
  color: #CBB98F;
}
.contact-value{
  font-family: var(--serif);
  font-size: 21px;
  color: #FBF8F2;
  margin: 6px 0 2px;
}
.contact-note{ font-size: 13.5px; color: #A9B3C2; }

.contacts-hint{
  margin-top: 26px;
  font-size: 13.5px;
  color: #8C97A8;
}

/* ---------- footer ---------- */

.site-footer{
  background: #0C1421;
  color: #97A1B1;
  padding: 40px 0;
  font-size: 13.5px;
}
.footer-inner{
  display: flex;
  gap: 28px;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
}
.footer-brand{ display: flex; align-items: center; gap: 12px; color: #C9CFDA; }
.footer-legal{ max-width: 56ch; font-size: 12.5px; line-height: 1.55; }

/* ---------- to top ---------- */

.to-top{
  position: fixed;
  right: 22px;
  bottom: 22px;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--ink);
  font-size: 18px;
  cursor: pointer;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity .2s ease, transform .2s ease, visibility .2s;
  box-shadow: var(--shadow);
  z-index: 90;
}
.to-top.is-visible{ opacity: 1; visibility: visible; transform: none; }

/* ---------- reveal ---------- */

.reveal{ opacity: 0; transform: translateY(16px); }
.reveal.is-in{
  opacity: 1;
  transform: none;
  transition: opacity .6s ease, transform .6s cubic-bezier(.2, .7, .3, 1);
}

/* ---------- focus ---------- */

a:focus-visible,
button:focus-visible,
summary:focus-visible{
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: 6px;
}

/* ---------- responsive ---------- */

@media (max-width: 1000px){
  .cards{ grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .steps{ grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 34px 28px; }
  .hero-inner{ gap: 44px; }
  .about{ gap: 40px; }
}

@media (max-width: 860px){
  .header-cta{ display: none; }

  .nav{
    position: fixed;
    inset: 76px 0 auto 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--bg);
    border-bottom: 1px solid var(--line);
    padding: 10px 24px 20px;
    box-shadow: 0 24px 40px -30px rgba(16, 26, 43, .6);
    transform: translateY(-12px);
    opacity: 0;
    visibility: hidden;
    transition: opacity .2s ease, transform .2s ease, visibility .2s;
  }
  .nav.is-open{ opacity: 1; visibility: visible; transform: none; }
  .nav a{
    padding: 14px 0;
    border-bottom: 1px solid var(--line);
    font-size: 17px;
  }
  .nav a::after{ display: none; }

  .burger{ display: block; }

  .hero{ padding: 64px 0 72px; }
  .hero-inner{ grid-template-columns: 1fr; gap: 38px; }
  .hero h1{ max-width: 20ch; }
  .hero-card{ padding: 24px 22px; }

  .strip-inner{ grid-template-columns: 1fr; gap: 16px; padding: 24px; }

  .section{ padding: 68px 0; }
  .section-head{ margin-bottom: 34px; }

  .about{ grid-template-columns: 1fr; }
  .contact-cards{ grid-template-columns: 1fr; }
}

@media (max-width: 620px){
  body{ font-size: 16px; }
  .cards{ grid-template-columns: 1fr; }
  .steps{ grid-template-columns: 1fr; }
  .hero-actions .btn{ width: 100%; }
  .brand-text small{ letter-spacing: .1em; }
  .faq summary{ font-size: 17.5px; padding-right: 38px; }
  .faq details p{ padding-right: 24px; }
  .footer-inner{ flex-direction: column; align-items: flex-start; gap: 18px; }
}

@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
  *,
  *::before,
  *::after{ animation-duration: .001ms !important; transition-duration: .001ms !important; }
  .reveal{ opacity: 1; transform: none; }
}