/* ============================================================
   KREDYT EXPERT — статичний сайт
   Дизайн: глибокий зелений (сосна) + золото, серифні заголовки,
   акуратна «печатка з 2000 року» як фірмовий елемент.
   ============================================================ */

:root{
  --paper:#F7F7F1;      /* тепло-нейтральне тло */
  --paper-2:#FFFFFF;    /* картки */
  --ink:#152019;        /* майже чорний із зеленим підтоном */
  --mute:#5B635B;       /* другорядний текст */
  --line:#E4E2D5;       /* тонкі лінії */
  --pine:#0E3B31;       /* основний глибокий зелений */
  --pine-2:#0A2A23;     /* темніший зелений */
  --gold:#C69A3E;       /* золото (акцент, на темному / великий текст / іконки) */
  --gold-ink:#8A6A22;   /* золото для дрібного тексту на світлому (контраст) */
  --gold-soft:#EEE6D2;  /* світла піщана заливка */

  --maxw:1140px;
  --radius:18px;
  --shadow:0 1px 2px rgba(21,32,25,.05), 0 18px 44px -22px rgba(14,59,49,.30);

  --font-display:"Lora", Georgia, serif;
  --font-body:"Inter", system-ui, -apple-system, sans-serif;
}

/* ---------- reset / base ---------- */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--font-body);
  font-size:clamp(1rem,.97rem + .2vw,1.075rem);line-height:1.7;
  color:var(--ink);background:var(--paper);
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}

h1,h2{font-family:var(--font-display);font-weight:700;line-height:1.08;letter-spacing:-.012em;margin:0}
h1{font-size:clamp(2.4rem,1.5rem + 4.3vw,4.2rem)}
h2{font-size:clamp(1.8rem,1.25rem + 2.4vw,2.7rem);font-weight:600}
h3{font-family:var(--font-body);font-weight:600;font-size:1.1rem;letter-spacing:-.01em;line-height:1.35;margin:0}
p{margin:0}

.container{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:clamp(1.15rem,4vw,2.5rem)}
.section{padding-block:clamp(3.5rem,7vw,6.5rem)}
.section--tight{padding-block:clamp(2.5rem,5vw,4rem)}

.eyebrow{
  font-family:var(--font-body);font-weight:600;font-size:.78rem;
  letter-spacing:.16em;text-transform:uppercase;color:var(--gold-ink);
  display:inline-flex;align-items:center;gap:.6rem;margin-bottom:1.1rem;
}
.eyebrow::before{content:"";width:1.7rem;height:1.5px;background:var(--gold);border-radius:2px}
.lede{font-size:clamp(1.05rem,1rem + .5vw,1.28rem);color:var(--mute);max-width:54ch}
.mute{color:var(--mute)}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  font-family:var(--font-body);font-weight:600;font-size:.98rem;
  padding:.92rem 1.6rem;border-radius:999px;border:1.5px solid transparent;
  cursor:pointer;transition:transform .18s ease,background .18s ease,color .18s ease,border-color .18s ease;
}
.btn--primary{background:var(--pine);color:#fff}
.btn--primary:hover{background:var(--pine-2);transform:translateY(-2px)}
.btn--gold{background:var(--gold);color:var(--pine-2)}
.btn--gold:hover{background:#d8a94c;transform:translateY(-2px)}
.btn--ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn--ghost:hover{background:var(--ink);color:var(--paper);transform:translateY(-2px)}
.btn svg{width:1.05em;height:1.05em}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:50;
  background:color-mix(in srgb,var(--paper) 88%,transparent);
  backdrop-filter:saturate(1.3) blur(10px);border-bottom:1px solid var(--line);
}
.nav{display:flex;align-items:center;justify-content:space-between;gap:1rem;height:74px}
.brand{display:inline-flex;align-items:center;gap:.65rem;font-family:var(--font-display);font-weight:600;font-size:1.18rem;letter-spacing:-.01em}
.brand-seal{width:38px;height:38px;flex:none}
.nav-links{display:flex;align-items:center;gap:1.9rem;list-style:none;margin:0;padding:0}
.nav-links a{font-weight:500;color:var(--mute);position:relative;transition:color .18s ease}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--ink)}
.nav-links a[aria-current="page"]::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:2px;background:var(--gold);border-radius:2px}
.nav-cta{display:flex;align-items:center;gap:.8rem}
.nav-toggle{display:none;background:none;border:0;padding:.4rem;cursor:pointer;color:var(--ink)}
.nav-toggle svg{width:26px;height:26px}

/* ---------- hero ---------- */
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(2rem,4vw,4rem);align-items:center}
.hero h1{margin-bottom:1.3rem}
.hero .lede{margin-bottom:2rem}
.hero-actions{display:flex;flex-wrap:wrap;gap:.85rem}
.hero-meta{display:flex;gap:1.6rem;flex-wrap:wrap;margin-top:2.4rem;font-size:.9rem;color:var(--mute)}
.hero-meta span{display:inline-flex;align-items:center;gap:.5rem}
.hero-meta svg{width:1.1rem;height:1.1rem;color:var(--gold-ink)}

.hero-panel{
  background:var(--pine);border-radius:26px;padding:clamp(2rem,4vw,3rem);
  display:grid;place-items:center;position:relative;overflow:hidden;
  box-shadow:var(--shadow);
}
.hero-panel::after{content:"";position:absolute;inset:0;background:
  radial-gradient(120% 90% at 80% 0%, rgba(198,154,62,.18), transparent 60%);}
.seal{width:min(78%,260px);height:auto;position:relative}
.seal-text{font-family:var(--font-body);font-weight:600;font-size:11px;letter-spacing:2.2px;fill:var(--gold)}
.seal-mono{font-family:var(--font-display);font-weight:700;font-size:52px;fill:var(--gold)}
.seal-sub{font-family:var(--font-body);font-weight:600;font-size:10px;letter-spacing:3px;fill:#F7F7F1}

/* ---------- services ---------- */
.section-head{max-width:60ch;margin-bottom:2.6rem}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}
.card{
  background:var(--paper-2);border:1px solid var(--line);border-radius:var(--radius);
  padding:1.7rem 1.6rem;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#d8d4c0}
.card-ic{width:50px;height:50px;display:grid;place-items:center;border-radius:13px;background:var(--gold-soft);margin-bottom:1.1rem}
.card-ic svg{width:25px;height:25px;color:var(--pine)}
.card h3{margin-bottom:.5rem}
.card p{color:var(--mute);font-size:.97rem}

/* ---------- split (individual approach) ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,4vw,4rem);align-items:center}
.panel-soft{background:var(--gold-soft);border-radius:var(--radius);padding:clamp(1.8rem,3vw,2.6rem)}
.panel-soft h2{margin-bottom:.8rem}
.check-list{list-style:none;margin:1.4rem 0 0;padding:0;display:grid;gap:.9rem}
.check-list li{display:flex;gap:.7rem;align-items:flex-start;color:var(--mute)}
.check-list svg{flex:none;width:1.35rem;height:1.35rem;color:var(--gold-ink);margin-top:.15rem}
.check-list b{color:var(--ink);font-weight:600}

/* ---------- testimonials ---------- */
.quotes{display:grid;grid-template-columns:repeat(2,1fr);gap:1.1rem}
.quote{
  background:var(--paper-2);border:1px solid var(--line);border-radius:var(--radius);
  padding:1.7rem 1.7rem 1.5rem;position:relative;
}
.quote::before{
  content:"\201C";font-family:var(--font-display);font-size:3.4rem;line-height:1;
  color:var(--gold);opacity:.55;position:absolute;top:.6rem;left:1.2rem;
}
.quote p{font-family:var(--font-display);font-style:italic;font-size:1.08rem;color:var(--ink);margin:1.4rem 0 1.1rem;line-height:1.5}
.quote cite{font-style:normal;font-weight:600;font-size:.92rem;color:var(--gold-ink)}

/* ---------- CTA band ---------- */
.cta-band{background:var(--pine);color:#fff;border-radius:var(--radius);position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;inset:0;background:radial-gradient(90% 120% at 100% 0%,rgba(198,154,62,.16),transparent 55%)}
.cta-band .container{position:relative;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:1.6rem;padding-block:clamp(2.2rem,4vw,3.2rem)}
.cta-band h2{color:#fff;max-width:24ch}
.cta-band p{color:rgba(255,255,255,.8);margin-top:.5rem;max-width:44ch}

/* ---------- contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:clamp(2rem,5vw,4rem);align-items:start}
.info-item{display:flex;gap:.9rem;padding-block:1.15rem;border-bottom:1px solid var(--line)}
.info-item:first-of-type{border-top:1px solid var(--line)}
.info-item svg{flex:none;width:1.5rem;height:1.5rem;color:var(--gold-ink);margin-top:.15rem}
.info-item b{display:block;font-weight:600}
.info-item span{color:var(--mute);font-size:.95rem}

.form{background:var(--paper-2);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(1.5rem,3vw,2.2rem)}
.field{margin-bottom:1.1rem}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:.4rem}
.field input,.field textarea{
  width:100%;font:inherit;color:var(--ink);background:var(--paper);
  border:1.5px solid var(--line);border-radius:12px;padding:.82rem .9rem;transition:border-color .16s,box-shadow .16s;
}
.field textarea{resize:vertical;min-height:140px}
.field input:focus,.field textarea:focus{outline:none;border-color:var(--pine);box-shadow:0 0 0 3px rgba(14,59,49,.13)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form .btn{width:100%;margin-top:.4rem}
.form-status{margin-top:1rem;font-size:.95rem;min-height:1.2em}
.form-status.ok{color:var(--pine)}
.form-status.err{color:#b03a2e}
.cf-turnstile{margin:.2rem 0 1rem}

/* ---------- prose (privacy policy) ---------- */
.prose{max-width:74ch}
.prose h2{font-size:clamp(1.3rem,1.1rem + 1vw,1.7rem);margin:2.4rem 0 .8rem;padding-top:1.6rem;border-top:1px solid var(--line)}
.prose h2:first-of-type{border-top:0;padding-top:0;margin-top:1rem}
.prose h3{font-weight:600;margin:1.6rem 0 .5rem}
.prose p{color:#2a3129;margin:0 0 1rem}
.prose ul{margin:0 0 1rem;padding-left:1.2rem;color:#2a3129}
.prose li{margin-bottom:.4rem}
.prose .intro{font-size:1.08rem;color:var(--mute)}
.prose strong{color:var(--ink)}

/* ---------- footer ---------- */
.site-footer{border-top:1px solid var(--line);background:color-mix(in srgb,var(--paper) 55%,#fff)}
.footer-grid{display:flex;flex-wrap:wrap;justify-content:space-between;gap:2rem;padding-block:3rem 1.5rem}
.footer-grid .brand{margin-bottom:.6rem}
.footer-col h4{font-family:var(--font-body);font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--mute);margin:0 0 .8rem}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:.5rem}
.footer-col a{color:var(--mute);transition:color .16s}
.footer-col a:hover{color:var(--ink)}
.footer-bottom{border-top:1px solid var(--line);padding-block:1.3rem;display:flex;flex-wrap:wrap;justify-content:space-between;gap:.6rem;font-size:.85rem;color:var(--mute)}

/* ---------- animation ---------- */
@keyframes rise{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:translateY(0)}}
.rise{animation:rise .7s cubic-bezier(.2,.7,.2,1) both}
.rise.d1{animation-delay:.06s}.rise.d2{animation-delay:.12s}.rise.d3{animation-delay:.18s}

/* ---------- responsive ---------- */
@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr}
  .hero-panel{order:-1;padding:2.2rem}
  .cards{grid-template-columns:1fr}
  .split,.contact-grid,.quotes{grid-template-columns:1fr}
  .nav-links,.nav-cta .btn{display:none}
  .nav-toggle{display:inline-flex}
  .nav[data-open="true"] .nav-links{
    display:flex;position:absolute;left:0;right:0;top:74px;flex-direction:column;gap:0;
    background:var(--paper);border-bottom:1px solid var(--line);padding:.5rem 0;
  }
  .nav[data-open="true"] .nav-links li{padding:.2rem clamp(1.15rem,4vw,2.5rem)}
  .nav[data-open="true"] .nav-links a{display:block;padding:.6rem 0;color:var(--ink)}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}