/* ============================================================
   ТопРусЗайм — topruszaim.com
   Fintech theme: deep blue #0B2545 + emerald #12A594
   Typography: Golos Text (headings) + PT Sans (body), cyrillic
   ============================================================ */

:root {
  --navy: #0B2545;
  --navy-800: #123262;
  --navy-700: #1B3E77;
  --navy-900: #081A33;
  --emerald: #12A594;
  --emerald-dark: #0C8578;
  --emerald-darker: #0A6E63;
  --emerald-light: #E3F6F3;
  --bg: #F6F9FC;
  --surface: #FFFFFF;
  --text: #21324B;
  --muted: #5B6B84;
  --border: #E2E9F2;
  --amber: #F5A524;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow-sm: 0 2px 8px rgba(11, 37, 69, 0.06);
  --shadow-md: 0 8px 28px rgba(11, 37, 69, 0.10);
  --shadow-lg: 0 18px 48px rgba(11, 37, 69, 0.14);
  --font-head: "Golos Text", "PT Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-body: "PT Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
}

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

html { scroll-behavior: smooth; scroll-padding-top: 90px; }

body {
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.68;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; height: auto; display: block; }

a { color: var(--emerald-dark); text-decoration: none; transition: color .18s ease; }
a:hover { color: var(--navy); }
a:focus-visible { outline: 3px solid var(--amber); outline-offset: 2px; border-radius: 3px; }

h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--navy);
  line-height: 1.18;
  font-weight: 700;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2rem, 4.4vw, 3.15rem); font-weight: 800; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.5rem, 2.8vw, 2.1rem); letter-spacing: -0.015em; }
h3 { font-size: 1.2rem; }

.container { max-width: 1180px; margin: 0 auto; padding: 0 22px; }

.section { padding: 76px 0; }
.section-alt { background: var(--surface); }

.section-head { max-width: 720px; margin: 0 auto 48px; text-align: center; }
.section-head p { color: var(--muted); margin-top: 12px; font-size: 1.05rem; }

.eyebrow {
  display: inline-block;
  font-family: var(--font-head);
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--emerald-dark);
  background: var(--emerald-light);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 14px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1rem;
  line-height: 1.2;
  padding: 14px 28px;
  min-height: 44px;
  border-radius: 12px;
  border: 2px solid transparent;
  cursor: pointer;
  text-align: center;
  transition: background .16s ease, border-color .16s ease, color .16s ease;
}
.btn:focus-visible { outline: 3px solid var(--amber); outline-offset: 2px; }
.btn-primary { background: var(--emerald-dark); color: #fff; }
.btn-primary:hover { background: var(--emerald-darker); color: #fff; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-900); color: #fff; }
.btn-outline { border-color: rgba(255, 255, 255, .65); color: #fff; background: transparent; }
.btn-outline:hover { background: rgba(255, 255, 255, .14); border-color: #fff; color: #fff; }
.btn-block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(255, 255, 255, .94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 20px; }

.logo { display: flex; align-items: center; gap: 10px; font-family: var(--font-head); font-weight: 800; font-size: 1.22rem; color: var(--navy); letter-spacing: -0.01em; }
.logo:hover { color: var(--navy); }
.logo em { color: var(--emerald-dark); font-style: normal; }
.logo-mark { width: 36px; height: 36px; flex: none; }

.main-nav { display: flex; align-items: center; gap: 26px; }
.main-nav a { font-family: var(--font-head); color: var(--text); font-weight: 600; font-size: .95rem; }
.main-nav a:hover { color: var(--emerald-dark); }
.main-nav a.active { color: var(--emerald-dark); }
.main-nav .nav-cta { padding: 11px 20px; color: #fff; }
.main-nav .nav-cta:hover { color: #fff; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: 0;
  padding: 8px;
  cursor: pointer;
}
.nav-toggle:focus-visible { outline: 3px solid var(--amber); outline-offset: 2px; }
.nav-toggle span { width: 24px; height: 2.5px; background: var(--navy); border-radius: 2px; transition: transform .2s, opacity .2s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ---------- Hero (split: text left, photo right) ---------- */
.hero {
  background: var(--navy);
  color: #fff;
  padding: 76px 0 84px;
  overflow: hidden;
}
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.hero h1 { color: #fff; margin: 18px 0 20px; }
.hero p.lead { color: #C4D3E8; font-size: 1.12rem; max-width: 540px; }
.hero .eyebrow { background: #123262; color: #6FE3D4; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }

.hero-stats { display: flex; gap: 36px; margin-top: 42px; flex-wrap: wrap; }
.hero-stats b { display: block; font-family: var(--font-head); font-size: 1.6rem; color: #fff; }
.hero-stats span { color: #9FB4D0; font-size: .88rem; }

.hero-photo { border-radius: 18px; overflow: hidden; box-shadow: var(--shadow-lg); }
.hero-photo img { width: 100%; height: 100%; aspect-ratio: 4 / 3; object-fit: cover; }

/* ---------- Offer cards (comparador) ---------- */
.offers-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }

.offer-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: transform .2s ease, box-shadow .2s ease;
  position: relative;
}
.offer-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }

.offer-badge {
  position: absolute;
  top: -12px;
  right: 20px;
  background: var(--amber);
  color: #4A3200;
  font-family: var(--font-head);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 999px;
}
.offer-badge.badge-green { background: var(--emerald-dark); color: #fff; }

.offer-head { display: flex; align-items: center; gap: 14px; margin-bottom: 18px; }
.offer-logo {
  width: 48px; height: 48px; flex: none;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-weight: 700; font-size: 1.15rem; color: #fff;
}
.offer-head h3 { font-size: 1.12rem; }
.offer-head small { color: var(--muted); font-weight: 600; }

.offer-params { list-style: none; margin: 0 0 20px; flex: 1; }
.offer-params li {
  display: flex; justify-content: space-between; gap: 12px;
  padding: 9px 0;
  border-bottom: 1px dashed var(--border);
  font-size: .95rem;
}
.offer-params li:last-child { border-bottom: 0; }
.offer-params span { color: var(--muted); }
.offer-params b { color: var(--navy); text-align: right; }
.offer-params .rate-zero { color: var(--emerald-dark); }

/* ---------- How it works (photo + numbered steps) ---------- */
.how-grid { display: grid; grid-template-columns: .92fr 1.08fr; gap: 52px; align-items: center; }
.how-photo { border-radius: 18px; overflow: hidden; box-shadow: var(--shadow-md); }
.how-photo img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; }

.steps-list { list-style: none; display: grid; gap: 22px; counter-reset: step; }
.steps-list li { position: relative; padding-left: 66px; counter-increment: step; }
.steps-list li::before {
  content: "0" counter(step);
  position: absolute;
  left: 0; top: 0;
  width: 48px; height: 48px;
  background: var(--emerald-light);
  color: var(--emerald-darker);
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.05rem;
  line-height: 48px;
  text-align: center;
  border-radius: 12px;
}
.steps-list h3 { font-size: 1.08rem; margin-bottom: 4px; }
.steps-list p { color: var(--muted); font-size: .95rem; }

/* ---------- Feature / advantage cards ---------- */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.feature-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 30px 26px;
  box-shadow: var(--shadow-sm);
  transition: transform .2s ease, box-shadow .2s ease;
}
.feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.feature-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  background: var(--emerald-light);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.feature-icon svg { width: 26px; height: 26px; }
.feature-card h3 { margin-bottom: 10px; font-size: 1.08rem; }
.feature-card p { color: var(--muted); font-size: .95rem; }

/* ---------- FAQ ---------- */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  margin-bottom: 14px;
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 20px 54px 20px 24px;
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--navy);
  position: relative;
}
.faq-item summary:focus-visible { outline: 3px solid var(--amber); outline-offset: -3px; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "";
  position: absolute;
  right: 22px; top: 50%;
  width: 10px; height: 10px;
  border-right: 2.5px solid var(--emerald);
  border-bottom: 2.5px solid var(--emerald);
  transform: translateY(-70%) rotate(45deg);
  transition: transform .2s ease;
}
.faq-item[open] summary::after { transform: translateY(-30%) rotate(225deg); }
.faq-item .faq-body { padding: 0 24px 22px; color: var(--muted); }

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--navy);
  border-radius: 22px;
  color: #fff;
  padding: 56px 48px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
  box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: #fff; margin-bottom: 10px; }
.cta-band p { color: #BFD0E6; max-width: 520px; }

/* ---------- Page hero (interior) ---------- */
.page-hero {
  background: var(--navy);
  color: #fff;
  padding: 58px 0 62px;
}
.page-hero h1 { color: #fff; margin-top: 14px; }
.page-hero .lead { color: #C4D3E8; margin-top: 14px; max-width: 700px; font-size: 1.08rem; }
.page-hero .eyebrow { background: #123262; color: #6FE3D4; margin-bottom: 0; }

.breadcrumbs { font-size: .86rem; color: #8FA6C6; margin-bottom: 18px; }
.breadcrumbs a { color: #B9CBE4; }
.breadcrumbs a:hover { color: #fff; }
.breadcrumbs span[aria-current] { color: #E7EEF8; }

/* ---------- Service pages ---------- */
.service-layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 44px; align-items: start; }
.prose h2 { margin: 38px 0 16px; }
.prose h3 { margin: 28px 0 12px; }
.prose p { margin-bottom: 16px; }
.prose ul, .prose ol { margin: 0 0 18px 22px; }
.prose li { margin-bottom: 8px; }
.prose li::marker { color: var(--emerald); font-weight: 700; }

.table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  margin: 22px 0 28px;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-sm);
}
.data-table { width: 100%; min-width: 560px; border-collapse: collapse; background: var(--surface); font-size: .94rem; }
.table-wrap .data-table { margin: 0; }
.data-table th { background: var(--navy); color: #fff; text-align: left; padding: 13px 16px; font-family: var(--font-head); font-weight: 600; }
.data-table td { padding: 12px 16px; border-bottom: 1px solid var(--border); }
.data-table tr:last-child td { border-bottom: 0; }
.data-table tbody tr:nth-child(even) { background: #FAFCFE; }

.note-box {
  background: var(--emerald-light);
  border-left: 4px solid var(--emerald);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 18px 22px;
  margin: 24px 0;
  color: #10574F;
  font-size: .96rem;
}

.sidebar-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  padding: 28px 26px;
  position: sticky;
  top: 96px;
}
.sidebar-card h3 { margin-bottom: 10px; }
.sidebar-card p { color: var(--muted); font-size: .93rem; margin-bottom: 18px; }
.sidebar-card ul { list-style: none; margin: 0 0 20px; }
.sidebar-card ul li { padding: 8px 0 8px 28px; position: relative; font-size: .93rem; border-bottom: 1px dashed var(--border); }
.sidebar-card ul li:last-child { border-bottom: 0; }
.sidebar-card ul li::before {
  content: "";
  position: absolute; left: 0; top: 13px;
  width: 14px; height: 8px;
  border-left: 2.5px solid var(--emerald);
  border-bottom: 2.5px solid var(--emerald);
  transform: rotate(-45deg);
}

/* ---------- Services index ---------- */
.services-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 26px; }
.service-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 30px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: transform .2s ease, box-shadow .2s ease;
}
.service-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.service-card h3 { margin: 16px 0 10px; font-size: 1.25rem; }
.service-card p { color: var(--muted); flex: 1; margin-bottom: 20px; }
.service-card .link-more { font-family: var(--font-head); font-weight: 700; }

/* ---------- Blog ---------- */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.post-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: transform .2s ease, box-shadow .2s ease;
}
.post-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.post-card .post-card-media { display: block; aspect-ratio: 16 / 9; overflow: hidden; }
.post-card img { width: 100%; height: 100%; aspect-ratio: 16 / 9; object-fit: cover; }
.post-card-body { padding: 24px; display: flex; flex-direction: column; flex: 1; }
.post-meta { font-size: .82rem; color: var(--muted); margin-bottom: 10px; display: flex; gap: 10px; align-items: center; }
.post-meta .tag { background: var(--emerald-light); color: var(--emerald-dark); font-family: var(--font-head); font-weight: 700; padding: 3px 10px; border-radius: 999px; font-size: .74rem; }
.post-card h3 { font-size: 1.12rem; margin-bottom: 10px; }
.post-card h3 a { color: var(--navy); }
.post-card h3 a:hover { color: var(--emerald-dark); }
.post-card p { color: var(--muted); font-size: .93rem; flex: 1; margin-bottom: 16px; }
.post-card .link-more { font-family: var(--font-head); font-weight: 700; font-size: .93rem; }

/* ---------- Blog post: 3-column layout ---------- */
.post-layout {
  display: grid;
  grid-template-columns: 230px minmax(0, 1fr) 300px;
  gap: 40px;
  align-items: start;
}

.toc-card {
  position: sticky;
  top: 96px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  padding: 22px 20px;
}
.toc-card h2 { font-size: .82rem; text-transform: uppercase; letter-spacing: .12em; color: var(--muted); margin-bottom: 14px; }
.toc-card ol { list-style: none; }
.toc-card li { margin-bottom: 4px; }
.toc-card a {
  display: block;
  padding: 7px 10px;
  border-radius: 8px;
  font-size: .88rem;
  font-weight: 600;
  color: var(--text);
  border-left: 3px solid transparent;
}
.toc-card a:hover { background: var(--bg); color: var(--emerald-dark); }
.toc-card a.is-active { background: var(--emerald-light); color: var(--emerald-dark); border-left-color: var(--emerald); }

.post-body { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm); padding: 42px 44px; }
.post-body .post-hero-img { border-radius: var(--radius-sm); margin-bottom: 30px; box-shadow: var(--shadow-sm); width: 100%; aspect-ratio: 16 / 9; object-fit: cover; }
.post-body h2 { margin: 40px 0 16px; scroll-margin-top: 96px; }
.post-body h3 { margin: 26px 0 12px; }
.post-body p { margin-bottom: 16px; }
.post-body ul, .post-body ol { margin: 0 0 18px 22px; }
.post-body li { margin-bottom: 8px; }
.post-body li::marker { color: var(--emerald); font-weight: 700; }

.post-header-meta { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; color: var(--muted); font-size: .88rem; margin: 14px 0 26px; }
.post-header-meta .tag { background: var(--emerald-light); color: var(--emerald-dark); font-family: var(--font-head); font-weight: 700; padding: 4px 12px; border-radius: 999px; font-size: .76rem; }

.post-cta-col .sidebar-card { top: 96px; }
.post-cta-mini {
  margin-top: 20px;
  background: var(--navy);
  border-radius: var(--radius);
  color: #fff;
  padding: 24px 22px;
  font-size: .9rem;
}
.post-cta-mini b { display: block; font-family: var(--font-head); font-size: 1.05rem; margin-bottom: 6px; }
.post-cta-mini a { color: #6FE3D4; font-weight: 700; }

/* ---------- Forms ---------- */
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 44px; align-items: start; }
.form-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-md); padding: 36px 34px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-family: var(--font-head); font-weight: 600; font-size: .9rem; margin-bottom: 7px; color: var(--navy); }
.form-group input, .form-group textarea, .form-group select {
  width: 100%;
  font-family: var(--font-body);
  font-size: .96rem;
  padding: 12px 15px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  background: #FBFDFF;
  color: var(--text);
  transition: border-color .16s ease, box-shadow .16s ease;
}
.form-group input:focus, .form-group textarea:focus, .form-group select:focus {
  outline: none;
  border-color: var(--emerald);
  box-shadow: 0 0 0 3px rgba(18, 165, 148, .18);
}

.contact-info-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm); padding: 30px 28px; margin-bottom: 22px; }
.contact-info-card h3 { margin-bottom: 14px; }
.contact-row { display: flex; gap: 14px; align-items: flex-start; padding: 12px 0; border-bottom: 1px dashed var(--border); }
.contact-row:last-child { border-bottom: 0; }
.contact-row svg { width: 22px; height: 22px; flex: none; margin-top: 3px; }
.contact-row b { display: block; color: var(--navy); font-size: .92rem; }
.contact-row span, .contact-row a { color: var(--muted); font-size: .93rem; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #A9BCD6; margin-top: 80px; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding: 60px 22px 44px;
}
.footer-grid h4 { color: #fff; font-size: .92rem; text-transform: uppercase; letter-spacing: .1em; margin-bottom: 18px; }
.footer-grid ul { list-style: none; }
.footer-grid li { margin-bottom: 10px; }
.footer-grid a { color: #A9BCD6; font-size: .93rem; }
.footer-grid a:hover { color: #6FE3D4; }
.footer-about .logo { color: #fff; margin-bottom: 16px; }
.footer-about p { font-size: .88rem; line-height: 1.6; }
.footer-disclaimer { font-size: .78rem; color: #7B92B3; margin-top: 16px; }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer-contact svg { width: 18px; height: 18px; flex: none; margin-top: 3px; }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, .12);
  padding: 22px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  font-size: .85rem;
  max-width: 1180px;
  margin: 0 auto;
}
.footer-bottom a { color: #A9BCD6; margin-left: 18px; }
.footer-bottom a:hover { color: #6FE3D4; }

/* ---------- Legal pages ---------- */
.legal-body { max-width: 820px; margin: 0 auto; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm); padding: 44px 46px; }
.legal-body h2 { margin: 32px 0 14px; font-size: 1.3rem; }
.legal-body p, .legal-body li { color: var(--text); margin-bottom: 12px; }
.legal-body ul { margin: 0 0 16px 22px; }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: start; }
.about-photo { width: 100%; aspect-ratio: 3 / 2; object-fit: cover; border-radius: 18px; box-shadow: var(--shadow-md); margin-bottom: 22px; }
.stat-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.stat-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm); padding: 26px; text-align: center; }
.stat-card b { display: block; font-family: var(--font-head); font-size: 2rem; color: var(--emerald-dark); }
.stat-card span { color: var(--muted); font-size: .88rem; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .offers-grid, .features-grid, .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .post-layout { grid-template-columns: minmax(0, 1fr) 280px; }
  .post-layout .toc-col { grid-column: 1 / -1; order: -1; }
  .toc-card { position: static; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-grid, .about-grid, .how-grid { grid-template-columns: 1fr; }
  .hero-grid { gap: 40px; }
  .hero-photo { max-width: 620px; }
  .how-photo { max-width: 620px; }
  .service-layout, .contact-layout { grid-template-columns: 1fr; }
  .sidebar-card { position: static; }
}

@media (max-width: 720px) {
  .section { padding: 52px 0; }
  .offers-grid, .features-grid, .blog-grid, .services-grid, .stat-cards { grid-template-columns: 1fr; }
  .post-layout { grid-template-columns: 1fr; }
  .post-layout .post-cta-col { order: 3; }
  .post-body { padding: 28px 22px; }
  .legal-body { padding: 30px 22px; }
  .cta-band { padding: 40px 28px; }
  .cta-band .btn { width: 100%; }
  .hero { padding: 52px 0 60px; }
  .hero-actions .btn { flex: 1 1 auto; }
  .form-card { padding: 28px 22px; }

  .nav-toggle { display: flex; }
  .main-nav {
    position: fixed;
    inset: 72px 0 auto 0;
    background: var(--surface);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 12px 22px 24px;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-md);
    transform: translateY(-130%);
    transition: transform .24s ease;
    z-index: 55;
  }
  .main-nav.is-open { transform: translateY(0); }
  .main-nav a { padding: 13px 4px; border-bottom: 1px solid var(--border); }
  .main-nav .nav-cta { margin-top: 14px; border-bottom: 0; text-align: center; }
}