/* finscredit.ru — по мотивам макета honest-money (Figma) */
@font-face{font-family:"Open Sans";font-style:normal;font-weight:300 800;font-display:swap;src:url(../fonts/opensans-cyrillic.woff2) format("woff2");unicode-range:U+0301,U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116}
@font-face{font-family:"Open Sans";font-style:normal;font-weight:300 800;font-display:swap;src:url(../fonts/opensans-latin.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}

:root{
  --mint:#B0EBE7;          /* rgba(142,227,220,.7) макета на белом */
  --mint-soft:#E3F7F5;
  --mint-line:#8EDFE3;
  --teal:#0A847E;
  --teal-ink:#005A5F;
  --ink:#000A1A;
  --text:#1D1D1D;
  --muted:#4B5560;
  --line:#D7D7D7;
  --green:#2A8536;         /* #44B251 макета, затемнён до контраста 4.6:1 с белым */
  --green-h:#237030;
  --green-l:#44B251;
  --orange:#FFE7A8;
  --white:#fff;
  --radius:12px;
  --shadow:0 6px 24px rgba(0,40,45,.08);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;min-width:320px;font:400 16px/1.5 "Open Sans",Arial,sans-serif;color:var(--ink);background:var(--white);overflow-x:hidden}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--teal)}
a:hover{color:var(--teal-ink)}
p,ul,ol{margin:0}
h1,h2,h3,h4{margin:0;font-weight:700;line-height:1.2}
b,strong{font-weight:700}
button{font:inherit}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px}
::selection{background:var(--teal);color:#fff}
.container{max-width:1280px;margin:0 auto;padding:0 20px;width:100%}
.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px}

/* ---------- header ---------- */
.header{background:#fff;border-bottom:1px solid #EEF3F3;position:relative;z-index:20}
.header__row{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:22px 0}
.logo{display:block;flex:0 0 auto}
.logo img{width:268px;height:auto}
.nav{display:flex;align-items:center;gap:6px}
.nav__link{display:block;padding:10px 14px;border-radius:8px;color:var(--ink);text-decoration:none;font-weight:600;font-size:16px}
.nav__link:hover,.nav__link[aria-current=page]{background:var(--mint-soft);color:var(--teal-ink)}
.burger{display:none;width:44px;height:44px;border:0;border-radius:8px;background:var(--mint-soft);cursor:pointer;align-items:center;justify-content:center}
.burger span,.burger span::before,.burger span::after{display:block;width:20px;height:2px;background:var(--ink);position:relative;transition:.2s}
.burger span::before,.burger span::after{content:"";position:absolute;left:0}
.burger span::before{top:-6px}.burger span::after{top:6px}
.burger[aria-expanded=true] span{background:transparent}
.burger[aria-expanded=true] span::before{top:0;transform:rotate(45deg)}
.burger[aria-expanded=true] span::after{top:0;transform:rotate(-45deg)}

/* ---------- breadcrumbs ---------- */
.crumbs{font-size:14px;color:var(--muted);padding-top:14px}
.crumbs ol{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:4px}
.crumbs li+li::before{content:"›";margin:0 6px 0 2px;color:#8A949C}
.crumbs a{color:var(--teal-ink);text-decoration:none}
.crumbs a:hover{text-decoration:underline}

/* ---------- hero / main-block ---------- */
.main-block{background:var(--mint)}
.main-block__row{padding:44px 0 60px}
.main-block__title{font-size:32px;text-align:center;color:var(--ink)}
.main-block__lead{max-width:860px;margin:16px auto 0;text-align:center;font-size:18px;color:#10302F}
.main-block__meta{display:flex;flex-wrap:wrap;justify-content:center;gap:8px 18px;margin-top:14px;font-size:14px;color:#14403E}
.main-block__meta span::before{content:"✓";margin-right:6px;color:var(--teal);font-weight:700}
.chips{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin-top:26px}
.chip{display:inline-block;padding:8px 14px;border-radius:18px;background:#fff;color:var(--teal-ink);text-decoration:none;font-size:15px;font-weight:600;border:1px solid var(--mint-line)}
.chip:hover,.chip[aria-current=page]{background:var(--teal);border-color:var(--teal);color:#fff}
.main-block__offers{margin-top:34px}
.main-block__info{margin-top:44px;max-width:980px}
.main-block__text{font-size:18px;line-height:1.5}
.main-block__text+.main-block__text{margin-top:16px}
.offers-note{margin-top:22px;font-size:14px;color:#14403E;text-align:center}

/* ---------- offers ---------- */
.offers{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.offer{background:#fff;border:1px solid var(--mint-line);border-radius:var(--radius);padding:20px 16px 16px;display:flex;flex-direction:column;position:relative;transition:box-shadow .2s,transform .2s}
.offer:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.offer__head{display:flex;align-items:center;justify-content:space-between;gap:10px;min-height:48px}
.brandmark{display:inline-flex;align-items:center;gap:10px;font-weight:800;font-size:20px;color:var(--ink);letter-spacing:-.01em}
.brandmark__sq{width:40px;height:40px;border-radius:10px;display:inline-flex;align-items:center;justify-content:center;color:#fff;font-size:17px;font-weight:800;flex:0 0 40px}
.offer__ad{font-size:11px;color:#6B747C;border:1px solid #DDE3E6;border-radius:6px;padding:2px 6px;white-space:nowrap}
.mark{display:inline-block;border-radius:18px;padding:6px 12px;font-size:14px;line-height:1.2;width:fit-content;margin-top:16px;font-weight:600}
.mark--blue{background:rgba(142,227,220,.5);color:var(--teal-ink)}
.mark--orange{background:var(--orange);color:#3D2B00}
.offer-block{margin:16px 0 18px}
.offer-block__item{display:flex;align-items:baseline;justify-content:space-between;gap:12px;padding:6px 0;border-bottom:1px dashed #E3E9EA}
.offer-block__item:last-child{border-bottom:0}
.offer-block__text{font-size:16px;color:var(--muted)}
.offer-block__number{font-size:16px;font-weight:700;color:var(--text);text-align:right}
.offer__actions{margin-top:auto;display:grid;gap:8px}
.offer__more{font-size:14px;text-align:center;color:var(--teal-ink)}
.offer__legal{margin-top:12px;font-size:12px;line-height:1.4;color:#5D666E}
.main-button{display:block;font-size:18px;font-weight:700;text-align:center;padding:16px 18px;background:var(--green);color:#fff;border-radius:6px;text-decoration:none;border:0;cursor:pointer;transition:background .15s}
.main-button:hover{background:var(--green-h);color:#fff}
.main-button--ghost{background:#fff;color:var(--green);box-shadow:inset 0 0 0 2px var(--green)}
.main-button--ghost:hover{background:var(--green);color:#fff}

/* ---------- information ---------- */
.information__row{padding:56px 0}
.information__block{max-width:980px}
.information__block+.information__block{margin-top:52px}
.information--wide .information__block{max-width:none}
.information__title{font-size:30px;color:#000}
.information__title+*{margin-top:24px}
.information__subtitle{font-size:22px;margin-top:30px}
.information__subtitle+*{margin-top:16px}
.information__text{font-size:18px;line-height:1.55}
.information__text+.information__text{margin-top:16px}
.information__text+.information__subtitle,.info-list+.information__subtitle{margin-top:30px}
.information__list{margin-top:18px}
.information__note{font-size:22px;font-weight:600;color:#1E6D27;line-height:1.35;margin-top:28px}
.information__important{margin-top:30px}
.info-list{display:flex;flex-direction:column;gap:10px;padding-left:26px}
.info-list+.information__text,.info-list+.info-table-wrap{margin-top:22px}
.info-list__item{font-size:18px;line-height:1.5;padding-left:4px}
.info-list--disc{list-style:disc}
.info-list--numbers{list-style:decimal}
.info-list--disc .info-list__item::marker{color:var(--teal)}
.info-list--numbers .info-list__item::marker{color:var(--teal);font-weight:700}
.info-important{background:var(--green);border-radius:var(--radius);padding:30px 48px;color:#fff}
.info-important__text{font-size:17px;line-height:1.5;padding-left:22px;border-left:4px solid #fff}
.info-important a{color:#fff}
.info-soft{background:var(--mint-soft);border-radius:var(--radius);padding:22px 26px;margin-top:26px;font-size:17px;line-height:1.5}
.info-soft p+p{margin-top:10px}

/* пример расчёта */
.info-calc__columns{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-top:22px}
.info-calc-descr{display:flex;flex-wrap:wrap;gap:10px 40px;width:56%}
.info-calc-descr__col{display:flex;flex-direction:column;gap:10px}
.info-calc-descr__text{font-size:18px}
.info-calc-descr__numb{font-weight:700;display:inline}
.info-calc-result{padding:22px 30px;background:rgba(141,222,226,.4);border-radius:var(--radius);max-width:505px;width:100%;display:flex;flex-direction:column;gap:8px;font-size:18px}
.info-calc-result__numb{font-weight:700}

/* таблицы */
.info-table-wrap{margin:28px 0 30px}
.info-table{width:100%;border-collapse:collapse;line-height:1.4}
.info-table th,.info-table td{text-align:left;font-size:16px;vertical-align:top}
.info-table th{padding:14px 16px;background:rgba(141,222,226,.4);font-weight:700;border-right:4px solid #fff}
.info-table td{border-bottom:2px solid var(--line);border-right:4px solid #fff;padding:14px 16px}
.info-table th:last-child,.info-table td:last-child{border-right:0}
.info-table td a{font-weight:600}
.table-caption{font-size:14px;color:var(--muted);margin-top:10px}

/* факты МФО */
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin-top:22px}
.fact{background:var(--mint-soft);border-radius:var(--radius);padding:16px 18px}
.fact__k{font-size:14px;color:var(--muted)}
.fact__v{font-size:20px;font-weight:700;margin-top:4px}
.dl{display:grid;grid-template-columns:minmax(160px,260px) 1fr;border-top:2px solid var(--line);margin-top:20px}
.dl dt,.dl dd{margin:0;padding:12px 0;border-bottom:1px solid var(--line);font-size:16px}
.dl dt{color:var(--muted);padding-right:16px}
.dl dd{font-weight:600;overflow-wrap:anywhere}

/* FAQ */
.faq{margin-top:20px;display:grid;gap:12px}
.faq details{border:1px solid var(--mint-line);border-radius:var(--radius);background:#fff}
.faq summary{cursor:pointer;list-style:none;padding:18px 52px 18px 20px;font-weight:700;font-size:18px;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:26px;color:var(--teal);font-weight:400}
.faq details[open] summary::after{content:"−"}
.faq .faq__a{padding:0 20px 18px;font-size:17px;line-height:1.55}
.faq .faq__a p+p{margin-top:10px}

/* калькулятор */
.calc{background:#fff;border:1px solid var(--mint-line);border-radius:var(--radius);padding:26px;display:grid;grid-template-columns:1.2fr 1fr;gap:30px;margin-top:24px;box-shadow:var(--shadow)}
.calc__field+.calc__field{margin-top:22px}
.calc__label{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-weight:600}
.calc__out{font-size:20px;font-weight:800;color:var(--teal-ink);white-space:nowrap}
.calc__range{width:100%;margin-top:12px;accent-color:var(--teal);height:28px}
.calc__scale{display:flex;justify-content:space-between;font-size:13px;color:var(--muted)}
.calc__res{background:var(--mint-soft);border-radius:var(--radius);padding:22px;display:flex;flex-direction:column;gap:12px}
.calc__row{display:flex;justify-content:space-between;gap:12px;font-size:17px}
.calc__row b{font-size:19px;white-space:nowrap}
.calc__row--total{border-top:2px solid var(--mint-line);padding-top:12px}
.calc__row--total b{font-size:24px;color:var(--teal-ink)}
.calc__hint{font-size:13px;color:var(--muted);line-height:1.45}
.calc__warn{font-size:14px;color:#7A4B00;background:#FFF4D6;border-radius:8px;padding:8px 10px;display:none}
.calc__warn.is-on{display:block}

/* карточки-ссылки (статьи, подборки, МФО) */
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:18px;margin-top:24px}
.card{display:flex;flex-direction:column;gap:8px;border:1px solid var(--mint-line);border-radius:var(--radius);padding:20px;text-decoration:none;color:var(--ink);background:#fff;transition:box-shadow .2s}
.card:hover{box-shadow:var(--shadow);color:var(--ink)}
.card__t{font-weight:700;font-size:18px;line-height:1.3}
.card__d{font-size:15px;color:var(--muted);line-height:1.45}
.card__go{margin-top:auto;color:var(--teal-ink);font-weight:600;font-size:15px}

/* статья */
.article{max-width:860px}
.article__meta{font-size:14px;color:var(--muted);margin-top:12px}
.article h2{font-size:26px;margin-top:40px}
.article h3{font-size:21px;margin-top:28px}
.article p,.article li{font-size:18px;line-height:1.6}
.article p{margin-top:14px}
.article ul,.article ol{margin-top:14px;padding-left:26px;display:grid;gap:8px}
.article li::marker{color:var(--teal)}
.article .info-table-wrap{margin-top:20px}
.toc{background:var(--mint-soft);border-radius:var(--radius);padding:18px 22px;margin-top:22px}
.toc__t{font-weight:700}
.toc ol{margin-top:8px;padding-left:22px;display:grid;gap:4px}
.toc a{text-decoration:none}
.toc a:hover{text-decoration:underline}
.sources{font-size:15px;color:var(--muted);margin-top:36px;border-top:1px solid var(--line);padding-top:16px}
.sources li{font-size:15px}

/* ---------- footer ---------- */
.footer{background:var(--mint);margin-top:0}
.footer__row{padding:44px 0 36px}
.footer__top{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:28px}
.footer__about{font-size:15px;line-height:1.5}
.footer__about img{width:232px;height:auto;margin-bottom:12px}
.footer__h{font-weight:700;font-size:16px;margin-bottom:10px}
.footer__nav{list-style:none;padding:0;display:grid;gap:6px}
.footer__nav a{color:var(--ink);text-decoration:none;font-size:15px}
.footer__nav a:hover{color:var(--teal-ink);text-decoration:underline}
.footer__text{font-size:14px;line-height:1.5;color:#10302F}
.footer__text+.footer__text{margin-top:10px}
.footer__legal{margin-top:30px;padding-top:22px;border-top:1px solid rgba(0,90,95,.2)}
.footer__op{margin-top:16px;font-size:14px;font-weight:600;color:#10302F}

/* cookie */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:50;max-width:720px;margin:0 auto;background:#fff;border:1px solid var(--mint-line);border-radius:var(--radius);box-shadow:0 10px 30px rgba(0,0,0,.12);padding:16px 18px;display:none;gap:14px;align-items:center;font-size:14px;line-height:1.45}
.cookie.is-on{display:flex}
.cookie .main-button{padding:10px 18px;font-size:15px;flex:0 0 auto}

/* 404 */
.not-found{background:var(--mint-soft);padding:56px 0 64px;border-bottom:1px solid var(--mint-line)}
.not-found__block{display:flex;align-items:center;justify-content:space-between;gap:30px}
.not-found__title{font-size:30px}
.not-found__descr{font-size:20px;font-weight:600;margin-top:18px}
.not-found__button{margin-top:30px;max-width:300px}
.not-found__links{margin-top:22px;display:flex;flex-wrap:wrap;gap:10px}
.not-found__code{font-size:150px;font-weight:800;color:var(--mint);line-height:1;text-shadow:0 6px 0 rgba(10,132,126,.25)}

/* ---------- media ---------- */
@media (max-width:1100px){
  .offers{grid-template-columns:repeat(3,1fr)}
  .footer__top{grid-template-columns:1fr 1fr}
}
@media (max-width:960px){
  .burger{display:inline-flex}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;padding:10px 20px 18px;border-bottom:1px solid #E3ECEC;box-shadow:0 12px 24px rgba(0,0,0,.06)}
  .nav.is-open{display:flex}
  .nav__link{padding:12px 10px}
  .calc{grid-template-columns:1fr}
  .info-calc__columns{flex-direction:column;align-items:flex-start}
  .info-calc-descr{width:100%}
}
@media (max-width:800px){
  .header__row{padding:14px 0}
  .logo img{width:206px}
  .main-block__row{padding:30px 0 40px}
  .main-block__title{font-size:26px}
  .main-block__lead,.main-block__text{font-size:16px}
  .offers{grid-template-columns:repeat(2,1fr);gap:14px}
  .information__row{padding:36px 0}
  .information__title{font-size:25px;overflow-wrap:break-word}
  .information__subtitle{font-size:20px}
  .information__text,.info-list__item,.article p,.article li{font-size:16px}
  .information__note{font-size:19px}
  .information__block+.information__block{margin-top:38px}
  .info-important{padding:24px 20px}
  .info-important__text{font-size:16px}
  .info-calc-descr__text,.info-calc-result{font-size:16px}
  .info-table thead{display:none}
  .info-table tr{display:block;margin-bottom:10px;border:2px solid rgba(141,222,226,.4)}
  .info-table td{display:flex;justify-content:space-between;gap:12px;text-align:right;padding:12px 10px;border-right:0;font-size:15px}
  .info-table td::before{content:attr(data-label);font-weight:700;text-align:left}
  .info-table td:last-child{border-bottom:0}
  .dl{grid-template-columns:1fr}
  .facts{grid-template-columns:1fr 1fr;gap:10px}
  .fact{padding:12px}
  .fact__k{font-size:13px}
  .fact__v{font-size:16px}
  .dl dt{border-bottom:0;padding-bottom:0}
  .faq summary{font-size:16px}
  .article h2{font-size:22px}
  .not-found__block{flex-direction:column-reverse;align-items:flex-start}
  .not-found__code{font-size:96px}
  .cookie{flex-direction:column;align-items:stretch}
}
@media (max-width:560px){
  .offers{grid-template-columns:1fr}
  .footer__top{grid-template-columns:1fr}
  .calc{padding:18px}
  .chips{flex-wrap:nowrap;justify-content:flex-start;overflow-x:auto;margin:20px -20px 0;padding:0 20px 6px;scrollbar-width:none;-webkit-overflow-scrolling:touch}
  .chips::-webkit-scrollbar{display:none}
  .chip{white-space:nowrap;flex:0 0 auto}
  .main-block__meta{font-size:13px;gap:4px 12px}
  .main-block__lead{font-size:15px}
  .main-block__offers{margin-top:22px}
  .cookie{left:10px;right:10px;bottom:10px;padding:12px 14px;font-size:13px;flex-direction:row;align-items:center}
  .cookie .main-button{padding:10px 14px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.header,.footer,.cookie,.offers,.chips{display:none}}
.offer-block dd{margin:0}
.offer__head .visually-hidden+.brandmark{min-width:0}
.risk{display:flex;gap:10px;align-items:flex-start;background:#FFF4D6;color:#4A3300;border-radius:8px;padding:10px 14px;margin:0 0 16px;font-size:14px;line-height:1.45;font-weight:600}
.risk::before{content:"!";flex:0 0 20px;height:20px;border-radius:50%;background:#B7791F;color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:13px;margin-top:1px}
.offer__warn{margin-top:12px;font-size:13px;line-height:1.4;font-weight:700;color:#4A3300;background:#FFF4D6;border-radius:8px;padding:8px 10px}
.offer__warn a{color:#4A3300}
.offer-block__item:nth-child(3){flex-wrap:wrap;row-gap:2px}