/* =========================================================
   Фонд Кредитования — стили страницы
   Версия: v5, режим работы Пн–Вс 09:00–21:00
   Подключение: 
   ========================================================= */

/* ════════════════════════════════════════
   RESET & BASE
════════════════════════════════════════ */
.fk-nav,
.fk-nav * { box-sizing: border-box; }
.fk-nav input,
.fk-nav textarea,
.fk-nav select { font: inherit; }

/* ════════════════════════════════════════
   ТОКЕНЫ
════════════════════════════════════════ */
.fk-nav {
  --fk-dark:      #0f1e3c;
  --fk-blue:      #3e96e7;
  --fk-blue-lt:   #7ab8f0;
  --fk-green:     #19bb4f;
  --fk-red:       #e84040;
  --fk-white:     #ffffff;
  --fk-gray:      #8fa3bc;
  --fk-border:    rgba(255,255,255,0.10);
  --fk-h:         72px;
  --fk-font:      'Mont','Montserrat','Inter',system-ui,sans-serif;
  --fk-shadow:    0 4px 32px rgba(10,20,50,0.18);
  --fk-radius:    12px;
}

/* ════════════════════════════════════════
   ШАПКА — ОСНОВА
════════════════════════════════════════ */
.fk-nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 9999;
  height: var(--fk-h);
  background: rgba(10, 20, 50, 0.72);
  backdrop-filter: blur(18px) saturate(1.6);
  -webkit-backdrop-filter: blur(18px) saturate(1.6);
  border-bottom: 1px solid var(--fk-border);
  transition: background .35s, box-shadow .35s, height .3s;
  font-family: var(--t-text-font, var(--fk-font));
}
.fk-nav.is-scrolled {
  background: rgba(10, 20, 50, 0.97);
  box-shadow: var(--fk-shadow);
}

/* ════════════════════════════════════════
   INNER — СЕТКА
════════════════════════════════════════ */
.fk-nav__inner {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 28px;
  height: var(--fk-h);
  display: flex;
  align-items: center;
  gap: 28px;
}

/* ════════════════════════════════════════
   ЛОГОТИП
════════════════════════════════════════ */
.fk-nav__logo {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  text-decoration: none;
  transition: opacity .2s;
}
.fk-nav__logo:hover { opacity: .85; }
.fk-nav__logo-img {
  height: 42px;
  width: auto;
  display: block;
  filter: brightness(0) invert(1);
}

/* ════════════════════════════════════════
   ЦЕНТРАЛЬНЫЙ БЛОК — INFO
════════════════════════════════════════ */
.fk-nav__info {
  flex: 1 1 auto;
  display: flex;
  align-items: center;
  gap: 20px;
  justify-content: center;
  min-width: 0;
}
.fk-nav__info-item {
  display: flex;
  align-items: center;
  gap: 9px;
  min-width: 0;
}
.fk-nav__info-ico {
  flex-shrink: 0;
  width: 30px;
  height: 30px;
  border-radius: 8px;
  background: rgba(62,150,231,0.15);
  border: 1px solid rgba(62,150,231,0.20);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--fk-blue-lt);
}
.fk-nav__info-lines {
  display: flex;
  flex-direction: column;
  gap: 1px;
  min-width: 0;
}
.fk-nav__info-label {
  font-family: var(--t-text-font, var(--fk-font));
  font-size: 9.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .7px;
  color: var(--fk-gray);
  white-space: nowrap;
}
.fk-nav__info-val {
  font-family: var(--t-text-font, var(--fk-font));
  font-size: 12px;
  font-weight: 600;
  color: rgba(255,255,255,0.90);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.fk-nav__divider {
  width: 1px;
  height: 36px;
  background: var(--fk-border);
  flex-shrink: 0;
}

/* ════════════════════════════════════════
   ПРАВЫЙ БЛОК — ACTIONS
════════════════════════════════════════ */
.fk-nav__actions {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  gap: 18px;
}
.fk-nav__phone-wrap {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 8px;
}
.fk-nav__status-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--fk-green);
  flex-shrink: 0;
  box-shadow: 0 0 0 2.5px rgba(25,187,79,.28);
  animation: fk-pulse 2.4s ease-in-out infinite;
}
@keyframes fk-pulse {
  0%,100% { box-shadow: 0 0 0 2.5px rgba(25,187,79,.28); }
  50%      { box-shadow: 0 0 0 6px rgba(25,187,79,.06); }
}
.fk-nav__phone {
  font-family: var(--t-headline-font, var(--fk-font));
  font-size: 17px;
  font-weight: 800;
  color: var(--fk-white) !important;
  text-decoration: none;
  letter-spacing: -.2px;
  white-space: nowrap;
  transition: color .2s;
}
.fk-nav__phone:hover { color: var(--fk-blue-lt); }

/* CTA кнопка */
.fk-nav__cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 22px;
  border: none;
  border-radius: var(--fk-radius);
  background: linear-gradient(135deg, #19bb4f 0%, #10a03e 100%);
  color: var(--fk-white);
  font-family: var(--t-text-font, var(--fk-font));
  font-size: 13.5px;
  font-weight: 700;
  letter-spacing: .1px;
  cursor: pointer;
  white-space: nowrap;
  box-shadow: 0 4px 18px rgba(25,187,79,0.38);
  position: relative;
  overflow: hidden;
  transition: transform .22s cubic-bezier(.34,1.56,.64,1), box-shadow .2s;
}
.fk-nav__cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(255,255,255,.14) 0%, transparent 55%);
  pointer-events: none;
}
.fk-nav__cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(25,187,79,.52);
}
.fk-nav__cta:active { transform: translateY(0); }
.fk-nav__cta-arrow { display: flex; align-items: center; }

/* ════════════════════════════════════════
   БУРГЕР
════════════════════════════════════════ */
.fk-nav__burger {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  padding: 8px;
  border: 1.5px solid var(--fk-border);
  border-radius: 10px;
  background: rgba(255,255,255,0.06);
  cursor: pointer;
  flex-shrink: 0;
  transition: background .2s, border-color .2s;
}
.fk-nav__burger:hover { background: rgba(255,255,255,0.12); border-color: rgba(255,255,255,0.22); }
.fk-nav__burger-bar {
  display: block;
  width: 18px;
  height: 2px;
  border-radius: 2px;
  background: var(--fk-white);
  transition: transform .3s, opacity .3s, width .3s;
  transform-origin: center;
}
.fk-nav__burger.is-open .fk-nav__burger-bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.fk-nav__burger.is-open .fk-nav__burger-bar:nth-child(2) { opacity: 0; width: 0; }
.fk-nav__burger.is-open .fk-nav__burger-bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ════════════════════════════════════════
   МОБИЛЬНОЕ МЕНЮ
════════════════════════════════════════ */
.fk-mobile {
  position: absolute;
  top: var(--fk-h);
  left: 0; right: 0;
  background: rgba(10, 20, 50, 0.98);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--fk-border);
  overflow: hidden;
  max-height: 0;
  transition: max-height .38s cubic-bezier(.22,1,.36,1);
}
.fk-mobile.is-open { max-height: 420px; }
.fk-mobile__inner {
  display: flex;
  flex-direction: column;
  gap: 18px;
  padding: 24px 20px 28px;
}
.fk-mobile__row {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  color: rgba(255,255,255,0.75);
}
.fk-mobile__row svg { flex-shrink: 0; margin-top: 2px; }
.fk-mobile__label {
  font-family: var(--t-text-font, var(--fk-font));
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .6px;
  color: var(--fk-gray);
  margin-bottom: 3px;
}
.fk-mobile__val {
  font-family: var(--t-text-font, var(--fk-font));
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,0.90);
  line-height: 1.5;
}
.fk-mobile__phone {
  display: block;
  font-family: var(--t-headline-font, var(--fk-font));
  font-size: 22px;
  font-weight: 800;
  color: var(--fk-white);
  text-decoration: none;
  letter-spacing: -.3px;
  border-top: 1px solid var(--fk-border);
  padding-top: 18px;
}
.fk-mobile__cta {
  width: 100%;
  padding: 14px 24px;
  border: none;
  border-radius: var(--fk-radius);
  background: linear-gradient(135deg, #19bb4f 0%, #10a03e 100%);
  color: var(--fk-white);
  font-family: var(--t-text-font, var(--fk-font));
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  box-shadow: 0 6px 20px rgba(25,187,79,0.38);
  transition: transform .2s, box-shadow .2s;
}
.fk-mobile__cta:hover { transform: translateY(-1px); box-shadow: 0 10px 28px rgba(25,187,79,.5); }

/* ════════════════════════════════════════
   ПРОГРЕСС-БАР ПРОКРУТКИ
════════════════════════════════════════ */
.fk-nav::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  height: 2px;
  width: var(--fk-scroll, 0%);
  background: linear-gradient(90deg, var(--fk-blue), var(--fk-green));
  transition: width .1s linear;
  pointer-events: none;
}

/* ════════════════════════════════════════
   АДАПТИВ
════════════════════════════════════════ */

/* 960–1200 */
@media (max-width: 1200px) {
  .fk-nav__info-item--addr { display: none; }
  .fk-nav__divider { display: none; }
  .fk-nav__inner { gap: 20px; }
}

/* 640–960: прячем info-блок, показываем бургер */
@media (max-width: 960px) {
  .fk-nav__info { display: none; }
  .fk-nav__burger { display: flex; }
  .fk-nav__actions { gap: 10px; }
}

/* 640–960: кнопка полная */
@media (max-width: 960px) and (min-width: 481px) {
  .fk-nav__cta-text { display: inline; }
  .fk-nav__cta-arrow { display: none; }
  .fk-nav__phone { font-size: 15px; }
}

/* ── 320–480: iPhone SE / mini / стандартный ── */
@media (max-width: 480px) {
  .fk-nav__inner {
    padding: 0 10px;
    gap: 6px;
  }

  /* Логотип — компактный */
  .fk-nav__logo-img { height: 26px; }

  /* Телефон — виден, но компактный */
  .fk-nav__phone-wrap { gap: 4px; }
  .fk-nav__status-dot { width: 6px; height: 6px; }
  .fk-nav__phone {
    font-size: 11px;
    letter-spacing: -.5px;
    font-weight: 700;
  }

  /* Кнопка «Подать заявку» — полная, сжатая */
  .fk-nav__cta {
    padding: 8px 10px;
    gap: 4px;
    border-radius: 9px;
  }
  .fk-nav__cta-text {
    display: inline;          /* ← текст видимый */
    font-size: 11px;
    letter-spacing: -.1px;
  }
  .fk-nav__cta-arrow { display: none; } /* стрелка не нужна при тексте */

  /* Бургер — чуть меньше */
  .fk-nav__burger {
    width: 34px;
    height: 34px;
    padding: 6px;
    border-radius: 8px;
    flex-shrink: 0;
  }
}

/* 320px — самые узкие экраны */
@media (max-width: 359px) {
  .fk-nav__phone { font-size: 10px; }
  .fk-nav__cta-text { font-size: 10px; }
  .fk-nav__cta { padding: 7px 8px; }
  .fk-nav__logo-img { height: 22px; }
}

/* ===== Следующий исходный STYLE-блок ===== */

.zh-hero,
.zh-hero * { box-sizing: border-box; }
.zh-hero input,
.zh-hero textarea,
.zh-hero select { font: inherit; }

.zh-hero {
  --zh-blue:      #3e96e7;
  --zh-blue-dark: #2b7fd4;
  --zh-green:     #19bb4f;
  --zh-green-dk:  #13a040;
  --zh-gold:      #f4c842;
  --zh-dark:      #0d1828;
  --zh-dark2:     #1c2c44;
  --zh-gray:      #8fa3bc;
  --zh-light:     #f2f6fc;
  --zh-border:    #d6e3f2;
  --zh-white:     #ffffff;
  --zh-font:      'Mont','Montserrat','Inter',system-ui,sans-serif;
  --zh-radius:    18px;
  --zh-shadow:    0 20px 60px rgba(13,24,40,0.35);

  position: relative;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
  overflow: hidden;
  padding: 80px 24px 70px;
  font-family: var(--t-text-font, var(--zh-font));
}

.zh-hero__bg { position: absolute; inset: 0; z-index: 0; }
.zh-hero__bgimg { width: 100%; height: 100%; object-fit: cover; object-position: center 35%; display: block; }
.zh-hero__overlay {
  position: absolute; inset: 0;
  background: linear-gradient(108deg, rgba(8,16,30,0.96) 0%, rgba(16,30,55,0.88) 45%, rgba(25,60,110,0.60) 100%);
}
.zh-hero__grid {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(62,150,231,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(62,150,231,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 30%, transparent 100%);
  -webkit-mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 30%, transparent 100%);
}

.zh-hero__ticker {
  position: absolute; top: 0; left: 0; right: 0; z-index: 2;
  height: 38px; background: rgba(62,150,231,0.13);
  border-bottom: 1px solid rgba(62,150,231,0.22);
  overflow: hidden; display: flex; align-items: center;
}
.zh-hero__ticker-track {
  display: flex; align-items: center; white-space: nowrap;
  animation: zh-ticker 40s linear infinite; will-change: transform;
}
.zh-hero__ticker-track span {
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 12px; font-weight: 600;
  color: rgba(255,255,255,0.88); padding: 0 48px; flex-shrink: 0; letter-spacing: .2px;
}
@keyframes zh-ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }

.zh-hero__inner {
  position: relative; z-index: 1;
  max-width: 1280px; margin: 0 auto; width: 100%;
  display: grid; grid-template-columns: 1fr 420px; gap: 56px; align-items: center;
  padding-top: 38px;
  animation: zh-fadein .9s cubic-bezier(.22,1,.36,1) both;
}
@keyframes zh-fadein { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }

.zh-hero__status {
  display: inline-flex; align-items: center; gap: 9px;
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.16);
  backdrop-filter: blur(8px); border-radius: 50px; padding: 7px 16px; margin-bottom: 22px; width: fit-content;
}
.zh-hero__status-dot {
  width: 8px; height: 8px; border-radius: 50%; background: var(--zh-green); flex-shrink: 0;
  animation: zh-pulse 2.4s ease-in-out infinite; box-shadow: 0 0 0 3px rgba(25,187,79,0.3);
}
@keyframes zh-pulse {
  0%,100% { box-shadow: 0 0 0 3px rgba(25,187,79,.3); }
  50%      { box-shadow: 0 0 0 8px rgba(25,187,79,.06); }
}
.zh-hero__status-text {
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 12px; font-weight: 600; color: rgba(255,255,255,0.85); letter-spacing: .2px; white-space: nowrap;
}

.zh-hero__h1 {
  font-family: var(--t-headline-font, var(--zh-font));
  font-size: clamp(34px, 5.2vw, 68px); font-weight: 900;
  line-height: 1.04; letter-spacing: -2.5px; color: var(--zh-white); margin: 0 0 18px;
}
.zh-hero__h1-mark {
  background: none; font-style: normal;
  background: linear-gradient(90deg, #5ec3ff 0%, #7de8b0 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.zh-hero__h1-city { color: var(--zh-gold); -webkit-text-fill-color: var(--zh-gold); }

.zh-hero__lead {
  font-family: var(--t-text-font, var(--zh-font));
  font-size: clamp(14px, 1.5vw, 17px); font-weight: 500;
  color: rgba(255,255,255,0.80); line-height: 1.7; margin: 0 0 26px; max-width: 560px;
}
.zh-hero__lead strong { color: var(--zh-white); font-weight: 700; }

.zh-hero__checks { list-style: none; padding: 0; margin: 0 0 30px; display: flex; flex-direction: column; gap: 11px; }
.zh-hero__check {
  display: flex; align-items: flex-start; gap: 12px;
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 14px; font-weight: 500; color: rgba(255,255,255,0.87); line-height: 1.45;
}
.zh-hero__check--accent { color: rgba(255,255,255,0.97); }
.zh-hero__check strong { color: var(--zh-white); }
.zh-hero__check-ico {
  flex-shrink: 0; width: 21px; height: 21px; border-radius: 50%; background: var(--zh-green);
  display: flex; align-items: center; justify-content: center;
  font-size: 11px; font-weight: 900; color: var(--zh-white); margin-top: 1px; transition: transform .2s;
}
.zh-hero__check:hover .zh-hero__check-ico { transform: scale(1.12); }
.zh-hero__check-ico--gold { background: var(--zh-gold); color: var(--zh-dark); }

.zh-hero__stats { display: flex; align-items: center; margin-bottom: 30px; flex-wrap: wrap; gap: 0; }
.zh-hero__stat { padding: 0 20px; text-align: center; flex-shrink: 1; }
.zh-hero__stat:first-child { padding-left: 0; }
.zh-hero__stat strong {
  display: block; font-family: var(--t-headline-font, var(--zh-font));
  font-size: clamp(18px, 2.2vw, 26px); font-weight: 900; color: var(--zh-white); letter-spacing: -.5px; line-height: 1.1;
}
.zh-hero__stat span {
  display: block; font-family: var(--t-text-font, var(--zh-font));
  font-size: 10px; font-weight: 600; color: rgba(255,255,255,0.50);
  text-transform: uppercase; letter-spacing: .6px; margin-top: 4px;
}
.zh-hero__stat-sep { width: 1px; height: 36px; background: rgba(255,255,255,0.15); flex-shrink: 0; }

.zh-hero__btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 22px; align-items: center; }
.zh-hero__btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  padding: 15px 30px; border-radius: 12px;
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 15px; font-weight: 700; letter-spacing: .1px;
  text-decoration: none; border: none; cursor: pointer;
  transition: transform .22s cubic-bezier(.34,1.56,.64,1), box-shadow .22s, background .2s;
  position: relative; overflow: hidden;
}
.zh-hero__btn::after { content: ''; position: absolute; inset: 0; background: rgba(255,255,255,0); transition: background .2s; }
.zh-hero__btn:hover::after { background: rgba(255,255,255,0.08); }
.zh-hero__btn--call { background: var(--zh-blue); color: var(--zh-white) !important; box-shadow: 0 6px 24px rgba(62,150,231,0.45); }
.zh-hero__btn--call:hover { transform: translateY(-2px); box-shadow: 0 12px 32px rgba(62,150,231,0.58); }
.zh-hero__btn-call-icon { flex-shrink: 0; display: flex; align-items: center; }
.zh-hero__btn--scroll {
  background: rgba(255,255,255,0.10); border: 1.5px solid rgba(255,255,255,0.32);
  color: var(--zh-white); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
}
.zh-hero__btn--scroll:hover { transform: translateY(-2px); background: rgba(255,255,255,0.18); border-color: rgba(255,255,255,0.52); box-shadow: 0 8px 24px rgba(0,0,0,0.2); }

.zh-hero__lawbadge {
  display: inline-flex; align-items: flex-start; gap: 10px;
  background: rgba(25,187,79,0.11); border: 1px solid rgba(25,187,79,0.28);
  border-radius: 12px; padding: 13px 16px; max-width: 540px;
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 12.5px; font-weight: 500; color: rgba(255,255,255,0.78); line-height: 1.55;
}
.zh-hero__lawbadge svg { flex-shrink: 0; margin-top: 2px; }
.zh-hero__lawbadge strong { color: rgba(255,255,255,0.97); font-weight: 700; }

.zh-hero__form-col { flex-shrink: 0; }
.zh-hero__form-card {
  background: rgba(255,255,255,0.99); border-radius: 22px; padding: 34px 30px 26px;
  box-shadow: var(--zh-shadow), 0 1px 0 rgba(255,255,255,0.6) inset;
  border: 1px solid rgba(255,255,255,0.4); position: relative; overflow: hidden;
}
.zh-hero__form-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--zh-blue), var(--zh-green));
}
.zh-hero__form-head { margin-bottom: 22px; }
.zh-hero__form-title {
  font-family: var(--t-headline-font, var(--zh-font));
  font-size: 20px; font-weight: 800; color: var(--zh-dark); margin-bottom: 7px; letter-spacing: -.3px; line-height: 1.25;
}
.zh-hero__form-sub {
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 13px; font-weight: 500; color: var(--zh-gray); line-height: 1.55; margin-bottom: 12px;
}
.zh-hero__form-trust { display: flex; flex-wrap: wrap; gap: 6px; }
.zh-hero__form-trust span {
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 11px; font-weight: 600; color: var(--zh-gray); background: var(--zh-light); border-radius: 20px; padding: 4px 10px;
}

.zh-hf { font-family: var(--t-text-font, var(--zh-font)); display: flex; flex-direction: column; gap: 14px; }
.zh-hf__group { display: flex; flex-direction: column; gap: 5px; }
.zh-hf__label {
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 11px; font-weight: 700; color: var(--zh-dark2); text-transform: uppercase; letter-spacing: .55px;
}
.zh-hf__input {
  width: 100%; padding: 13px 15px; border-radius: 10px;
  border: 1.5px solid var(--zh-border); background: var(--zh-light);
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 14px; font-weight: 500; color: var(--zh-dark); outline: none;
  transition: border-color .2s, box-shadow .2s, background .2s;
}
.zh-hf__input::placeholder { color: #b8c8d8; }
.zh-hf__input:focus { border-color: var(--zh-blue); background: #fff; box-shadow: 0 0 0 3.5px rgba(62,150,231,0.14); }
.zh-hf__select-wrap { position: relative; }
.zh-hf__select {
  width: 100%; padding: 13px 40px 13px 15px; border-radius: 10px;
  border: 1.5px solid var(--zh-border); background: var(--zh-light);
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 14px; font-weight: 500; color: var(--zh-dark); outline: none; cursor: pointer;
  -webkit-appearance: none; appearance: none;
  transition: border-color .2s, box-shadow .2s, background .2s;
}
.zh-hf__select:focus { border-color: var(--zh-blue); background: #fff; box-shadow: 0 0 0 3.5px rgba(62,150,231,0.14); }
.zh-hf__select-arrow {
  position: absolute; right: 14px; top: 50%; transform: translateY(-50%);
  pointer-events: none; color: var(--zh-gray); transition: transform .25s;
}
.zh-hf__select-wrap:focus-within .zh-hf__select-arrow { transform: translateY(-50%) rotate(180deg); }
.zh-hf__submit {
  width: 100%; padding: 16px 24px; border: none; border-radius: 11px; margin-top: 2px;
  background: linear-gradient(135deg, #19bb4f 0%, #10a03e 100%); color: var(--zh-white);
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 15px; font-weight: 700; letter-spacing: .1px; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 6px 22px rgba(25,187,79,0.42); position: relative; overflow: hidden;
  transition: transform .22s cubic-bezier(.34,1.56,.64,1), box-shadow .2s;
}
.zh-hf__submit::before { content: ''; position: absolute; inset: 0; background: linear-gradient(135deg,rgba(255,255,255,0.12) 0%,transparent 50%); }
.zh-hf__submit:hover { transform: translateY(-2px); box-shadow: 0 10px 30px rgba(25,187,79,0.55); }
.zh-hf__submit:active { transform: translateY(0); }
.zh-hf__consent {
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 10.5px; color: #b0bcc9; text-align: center; margin: 8px 0 0; line-height: 1.5;
}
.zh-hf__consent a { color: var(--zh-blue); text-decoration: none; }
.zh-hf__consent a:hover { text-decoration: underline; }
.t-input-error { font-family: var(--t-text-font, var(--zh-font)); font-size: 11px; color: #e73b3c; font-weight: 500; min-height: 14px; line-height: 1.4; }

.zh-hero__form-social {
  display: flex; align-items: center; gap: 12px;
  margin-top: 18px; padding-top: 16px; border-top: 1px solid var(--zh-border);
}
.zh-hero__form-avatars { display: flex; flex-direction: row-reverse; }
.zh-hero__avatar {
  width: 32px; height: 32px; border-radius: 50%; border: 2px solid #fff;
  background: linear-gradient(135deg, var(--zh-blue), var(--zh-blue-dark));
  display: flex; align-items: center; justify-content: center;
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 9px; font-weight: 700; color: #fff; flex-shrink: 0; margin-left: -8px;
}
.zh-hero__avatar:last-child { margin-left: 0; }
.zh-hero__avatar:nth-child(2) { background: linear-gradient(135deg,#6b4bdb,#4b2db0); }
.zh-hero__avatar:nth-child(3) { background: linear-gradient(135deg,var(--zh-green),var(--zh-green-dk)); }
.zh-hero__avatar:nth-child(4) { background: linear-gradient(135deg,#e8703a,#c84f1a); }
.zh-hero__form-social-text {
  font-family: var(--t-text-font, var(--zh-font));
  font-size: 12px; font-weight: 500; color: var(--zh-gray); line-height: 1.4; margin: 0;
}
.zh-hero__form-social-text strong { color: var(--zh-dark); font-weight: 700; }

.zh-hero__scroll-hint { position: absolute; bottom: 28px; left: 50%; transform: translateX(-50%); z-index: 2; }
.zh-hero__scroll-circle {
  width: 40px; height: 40px; border-radius: 50%;
  border: 1.5px solid rgba(255,255,255,0.22); background: rgba(255,255,255,0.08);
  backdrop-filter: blur(4px); display: flex; align-items: center; justify-content: center;
  animation: zh-bounce 2.4s ease-in-out infinite;
}
@keyframes zh-bounce { 0%,100% { transform: translateY(0); } 50% { transform: translateY(9px); } }

@media (max-width: 1200px) {
  .zh-hero__inner { grid-template-columns: 1fr 380px; gap: 40px; }
}
@media (max-width: 960px) {
  .zh-hero { padding: 80px 24px 60px; min-height: auto; justify-content: flex-start; }
  .zh-hero__inner { grid-template-columns: 1fr; gap: 40px; padding-top: 46px; }
  .zh-hero__form-col { max-width: 560px; }
  .zh-hero__scroll-hint { display: none; }
}
@media (max-width: 640px) {
  .zh-hero { padding: 76px 16px 48px; }
  .zh-hero__h1 { letter-spacing: -1.5px; }
  .zh-hero__stats { display: grid; grid-template-columns: 1fr 1px 1fr; row-gap: 16px; }
  .zh-hero__stat { padding: 0 12px; }
  .zh-hero__stat:first-child { padding-left: 0; }
  .zh-hero__stat-sep { height: 28px; align-self: center; }
  .zh-hero__btns { flex-direction: column; }
  .zh-hero__btn { width: 100%; justify-content: center; }
  .zh-hero__lawbadge { font-size: 11.5px; }
  .zh-hero__form-card { padding: 26px 18px 20px; }
  .zh-hero__form-trust { gap: 4px; }
  .zh-hero__form-trust span { font-size: 10px; padding: 3px 8px; }
}
@media (max-width: 480px) {
  .zh-hero__ticker { display: none; }
  .zh-hero__status-text { font-size: 11px; white-space: normal; }
  .zh-hero__h1 { font-size: 30px; letter-spacing: -1px; }
  .zh-hero__check { font-size: 13px; }
  .zh-hero__lawbadge { padding: 10px 12px; }
}

/* ===== Следующий исходный STYLE-блок ===== */

/* ════════════════════════
   RESET & TOKENS
════════════════════════ */
.zb-wrap,
.zb-wrap * { box-sizing: border-box; }
.zb-wrap input,
.zb-wrap textarea,
.zb-wrap select { font: inherit; }

.zb-wrap {
  --zb-blue:       #3e96e7;
  --zb-blue-dk:    #2b7fd4;
  --zb-green:      #19bb4f;
  --zb-gold:       #f4c842;
  --zb-dark:       #0d1828;
  --zb-dark2:      #1c2c44;
  --zb-gray:       #6b7f97;
  --zb-gray-lt:    #f2f6fc;
  --zb-border:     #e0eaf5;
  --zb-white:      #ffffff;
  --zb-radius:     20px;
  --zb-radius-sm:  12px;
  --zb-shadow-md:  0 4px 24px rgba(13,24,40,0.09);
  --zb-shadow-lg:  0 12px 48px rgba(13,24,40,0.14);

  font-family: var(--t-text-font, 'Montserrat', system-ui, sans-serif);
  color: var(--zb-dark);
  overflow: hidden;
}

/* ════════════════════════
   SHARED UTILITIES
════════════════════════ */
.zb-section { padding: 90px 24px; }
.zb-section:nth-child(odd)  { background: var(--zb-white); }
.zb-section:nth-child(even) { background: var(--zb-gray-lt); }

.zb-container {
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
}

.zb-section__head {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 64px;
}
.zb-section__lead {
  font-family: var(--t-text-font, inherit);
  font-size: 16px;
  font-weight: 500;
  color: var(--zb-gray);
  line-height: 1.7;
  margin: 0;
}

.zb-eyebrow {
  font-family: var(--t-text-font, inherit);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.8px;
  text-transform: uppercase;
  color: var(--zb-blue);
  margin-bottom: 12px;
}

.zb-h2 {
  font-family: var(--t-headline-font, 'Montserrat', system-ui, sans-serif);
  font-size: clamp(28px, 4vw, 50px);
  font-weight: 900;
  line-height: 1.1;
  letter-spacing: -1.5px;
  color: var(--zb-dark);
  margin: 0 0 16px;
}
.zb-h2-accent {
  background: linear-gradient(90deg, var(--zb-blue) 0%, #5ec3ff 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ════════════════════════
   СЕКЦИЯ 1 — ПРЕИМУЩЕСТВА
════════════════════════ */
.zb-adv__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.zb-adv__card {
  background: var(--zb-white);
  border: 1.5px solid var(--zb-border);
  border-radius: var(--zb-radius);
  padding: 32px 26px 30px;
  box-shadow: var(--zb-shadow-md);
  transition: transform .28s cubic-bezier(.34,1.56,.64,1), box-shadow .25s;
  position: relative;
  overflow: hidden;
}
.zb-adv__card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--zb-blue), var(--zb-green));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s ease;
}
.zb-adv__card:hover { transform: translateY(-6px); box-shadow: var(--zb-shadow-lg); }
.zb-adv__card:hover::before { transform: scaleX(1); }
.zb-adv__icon-wrap {
  width: 64px; height: 64px;
  border-radius: 16px;
  background: linear-gradient(135deg, rgba(62,150,231,0.1), rgba(62,150,231,0.04));
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.zb-adv__icon { filter: invert(42%) sepia(78%) saturate(500%) hue-rotate(180deg); }
.zb-adv__title {
  font-family: var(--t-headline-font, inherit);
  font-size: 18px; font-weight: 800;
  color: var(--zb-dark);
  margin-bottom: 10px;
  line-height: 1.25; letter-spacing: -.3px;
}
.zb-adv__text {
  font-family: var(--t-text-font, inherit);
  font-size: 14px; font-weight: 500;
  color: var(--zb-gray);
  line-height: 1.65;
}

/* ════════════════════════
   СЕКЦИЯ 2 — ОБЪЕКТЫ ЗАЛОГА
════════════════════════ */
.zb-pledge__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.zb-pledge__lead {
  font-family: var(--t-text-font, inherit);
  font-size: 15px; font-weight: 500;
  color: var(--zb-gray);
  line-height: 1.7;
  margin: 0 0 28px;
}
.zb-pledge__cta {
  display: inline-flex;
  align-items: center; justify-content: center;
  padding: 14px 28px;
  background: var(--zb-blue);
  color: #fff;
  border-radius: var(--zb-radius-sm);
  font-family: var(--t-text-font, inherit);
  font-size: 14px; font-weight: 700;
  border: none; cursor: pointer;
  box-shadow: 0 6px 22px rgba(62,150,231,0.38);
  transition: transform .22s cubic-bezier(.34,1.56,.64,1), box-shadow .2s;
  -webkit-appearance: none; appearance: none; outline: none;
}
.zb-pledge__cta:hover { transform: translateY(-2px); box-shadow: 0 10px 30px rgba(62,150,231,0.5); }
.zb-pledge__cta:focus-visible { outline: 3px solid var(--zb-blue); outline-offset: 3px; }

.zb-pledge__list {
  list-style: none; padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: 0;
}
.zb-pledge__item {
  display: flex; align-items: center; gap: 16px;
  padding: 16px 18px;
  border-radius: var(--zb-radius-sm);
  transition: background .2s;
  cursor: default;
  border-bottom: 1px solid var(--zb-border);
}
.zb-pledge__item:last-child { border-bottom: none; }
.zb-pledge__item:hover { background: rgba(62,150,231,0.05); }
.zb-pledge__item-icon {
  width: 50px; height: 50px;
  border-radius: 12px;
  background: linear-gradient(135deg,rgba(62,150,231,0.1),rgba(62,150,231,0.04));
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.zb-pledge__item-icon img { filter: invert(42%) sepia(78%) saturate(500%) hue-rotate(180deg); }
.zb-pledge__item-body { flex: 1; }
.zb-pledge__item-title {
  display: block;
  font-family: var(--t-text-font, inherit);
  font-size: 15px; font-weight: 700;
  color: var(--zb-dark); line-height: 1.3;
}
.zb-pledge__item-note {
  font-family: var(--t-text-font, inherit);
  font-size: 12px; font-weight: 500;
  color: var(--zb-gray);
  display: block; margin-top: 2px;
}
.zb-pledge__item-check {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--zb-green);
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 12px; font-weight: 900;
  flex-shrink: 0;
}

/* ════════════════════════
   МОДАЛЬНОЕ ОКНО
════════════════════════ */
.zb-modal {
  position: fixed;
  inset: 0;
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
  visibility: hidden;
  pointer-events: none;
}
.zb-modal[aria-hidden="false"] {
  visibility: visible;
  pointer-events: auto;
}

.zb-modal__overlay {
  position: absolute;
  inset: 0;
  background: rgba(13,24,40,0.62);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  opacity: 0;
  transition: opacity .3s ease;
  cursor: pointer;
}
.zb-modal[aria-hidden="false"] .zb-modal__overlay { opacity: 1; }

.zb-modal__box {
  position: relative;
  z-index: 1;
  background: var(--zb-white);
  border-radius: 24px;
  padding: 44px 44px 40px;
  width: 100%;
  max-width: 520px;
  box-shadow: 0 24px 80px rgba(13,24,40,0.22);
  transform: translateY(28px) scale(.97);
  opacity: 0;
  transition: transform .35s cubic-bezier(.34,1.4,.64,1), opacity .3s ease;
}
.zb-modal[aria-hidden="false"] .zb-modal__box {
  transform: translateY(0) scale(1);
  opacity: 1;
}

.zb-modal__close {
  position: absolute;
  top: 16px; right: 16px;
  width: 36px; height: 36px;
  border-radius: 50%;
  border: none;
  background: var(--zb-gray-lt);
  color: var(--zb-gray);
  display: flex; align-items: center; justify-content: center;
  cursor: pointer;
  transition: background .2s, color .2s;
  flex-shrink: 0;
}
.zb-modal__close:hover { background: var(--zb-border); color: var(--zb-dark); }
.zb-modal__close:focus-visible { outline: 3px solid var(--zb-blue); outline-offset: 2px; }

.zb-modal__head { text-align: center; margin-bottom: 28px; }
.zb-modal__badge {
  width: 56px; height: 56px;
  border-radius: 16px;
  background: linear-gradient(135deg,rgba(62,150,231,0.12),rgba(62,150,231,0.04));
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
}
.zb-modal__title {
  font-family: var(--t-headline-font, 'Montserrat', system-ui, sans-serif);
  font-size: 24px; font-weight: 900;
  color: var(--zb-dark);
  letter-spacing: -.5px;
  line-height: 1.2;
  margin: 0 0 8px;
}
.zb-modal__subtitle {
  font-family: var(--t-text-font, inherit);
  font-size: 14px; font-weight: 500;
  color: var(--zb-gray);
  line-height: 1.6;
  margin: 0;
}

/* Форма */
.zb-modal__form {
  font-family: var(--t-text-font, inherit);
}
.zb-modal__form input,
.zb-modal__form textarea,
.zb-modal__form select { font: inherit; }

.zb-modal__fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 20px;
}

.zb-fld { display: flex; flex-direction: column; gap: 6px; }
.zb-fld--full { grid-column: 1 / -1; }

.zb-fld__label {
  font-family: var(--t-text-font, inherit);
  font-size: 12px; font-weight: 700;
  color: var(--zb-dark2);
  letter-spacing: .3px;
  text-transform: uppercase;
}
.zb-fld__req { color: var(--zb-blue); }

.zb-fld__input {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--zb-border);
  border-radius: var(--zb-radius-sm);
  background: var(--zb-gray-lt);
  color: var(--zb-dark);
  font-size: 15px; font-weight: 500;
  transition: border-color .2s, box-shadow .2s, background .2s;
  outline: none;
  -webkit-appearance: none; appearance: none;
}
.zb-fld__input::placeholder { color: #b0bec8; }
.zb-fld__input:focus {
  border-color: var(--zb-blue);
  background: var(--zb-white);
  box-shadow: 0 0 0 3px rgba(62,150,231,0.15);
}

/* Ошибки валидации */
.zb-fld .t-input-error,
.zb-fld__error {
  font-family: var(--t-text-font, inherit);
  font-size: 11px; font-weight: 600;
  color: #e74c3c;
  min-height: 0;
  line-height: 1.3;
}
/* Подсветка поля с ошибкой */
.zb-fld.t-inputbox--error .zb-fld__input {
  border-color: #e74c3c;
  box-shadow: 0 0 0 3px rgba(231,76,60,0.12);
}

.zb-modal__footer { display: flex; flex-direction: column; gap: 12px; align-items: center; }

.zb-modal__submit {
  width: 100%;
  display: flex; align-items: center; justify-content: center;
  padding: 16px 32px;
  background: linear-gradient(135deg, var(--zb-blue), var(--zb-blue-dk));
  color: #fff;
  border: none; border-radius: var(--zb-radius-sm);
  font-family: var(--t-text-font, inherit);
  font-size: 15px; font-weight: 700;
  cursor: pointer;
  box-shadow: 0 6px 22px rgba(62,150,231,0.38);
  transition: transform .22s cubic-bezier(.34,1.56,.64,1), box-shadow .2s;
  -webkit-appearance: none; appearance: none;
}
.zb-modal__submit:hover { transform: translateY(-2px); box-shadow: 0 10px 30px rgba(62,150,231,0.5); }
.zb-modal__submit:focus-visible { outline: 3px solid var(--zb-blue); outline-offset: 3px; }

.zb-modal__privacy {
  font-family: var(--t-text-font, inherit);
  font-size: 11px; font-weight: 500;
  color: var(--zb-gray);
  text-align: center;
  line-height: 1.5;
  margin: 0;
}
.zb-modal__privacy a {
  color: var(--zb-blue);
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* Успешное сообщение */
.zb-modal__success {
  text-align: center;
  padding: 24px 0 8px;
}
.zb-modal__success-icon { margin-bottom: 16px; }
.zb-modal__success-title {
  font-family: var(--t-headline-font, inherit);
  font-size: 22px; font-weight: 900;
  color: var(--zb-dark);
  margin-bottom: 8px;
  letter-spacing: -.3px;
}
.zb-modal__success-text {
  font-family: var(--t-text-font, inherit);
  font-size: 15px; font-weight: 500;
  color: var(--zb-gray);
  line-height: 1.6;
}

/* ════════════════════════
   СЕКЦИЯ 3 — 2 ЧАСА 2 ДОКУМЕНТА
════════════════════════ */
.zb-fast__body {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
.zb-fast__photo-wrap {
  position: relative;
  border-radius: var(--zb-radius);
  overflow: hidden;
  aspect-ratio: 4/3;
  box-shadow: var(--zb-shadow-lg);
}
.zb-fast__photo { width: 100%; height: 100%; object-fit: cover; display: block; }
.zb-fast__photo-badge {
  position: absolute; bottom: 22px; right: 22px;
  background: linear-gradient(135deg, var(--zb-blue), var(--zb-blue-dk));
  border-radius: 16px; padding: 14px 20px;
  text-align: center;
  box-shadow: 0 8px 28px rgba(62,150,231,0.5);
  min-width: 90px;
}
.zb-fast__photo-badge-num {
  font-family: var(--t-headline-font, inherit);
  font-size: 30px; font-weight: 900;
  color: #fff; line-height: 1; letter-spacing: -1px;
}
.zb-fast__photo-badge-txt {
  font-family: var(--t-text-font, inherit);
  font-size: 11px; font-weight: 600;
  color: rgba(255,255,255,0.75);
  margin-top: 4px; line-height: 1.4;
  text-transform: uppercase; letter-spacing: .5px;
}
.zb-fast__steps {
  display: flex; flex-direction: column; gap: 0;
  position: relative;
}
.zb-fast__steps::before {
  content: '';
  position: absolute; left: 20px; top: 30px; bottom: 80px; width: 2px;
  background: linear-gradient(to bottom, var(--zb-blue), rgba(62,150,231,0.1));
}
.zb-fast__step {
  display: flex; gap: 20px;
  padding: 0 0 28px 0;
  align-items: flex-start;
  position: relative;
}
.zb-fast__step--result {
  margin-top: 8px; padding: 20px 24px;
  background: linear-gradient(135deg, #0d1828, #1c2c44);
  border-radius: var(--zb-radius-sm);
  align-items: center;
}
.zb-fast__step-num {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--zb-blue), var(--zb-blue-dk));
  color: #fff;
  font-family: var(--t-headline-font, inherit);
  font-size: 13px; font-weight: 900;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; position: relative; z-index: 1;
  box-shadow: 0 4px 14px rgba(62,150,231,0.35);
}
.zb-fast__step-num--gold {
  background: var(--zb-gold); color: var(--zb-dark); font-size: 20px;
  box-shadow: 0 4px 14px rgba(244,200,66,0.4);
}
.zb-fast__step-body { flex: 1; }
.zb-fast__step-icon {
  width: 36px; height: 36px; border-radius: 8px;
  background: rgba(62,150,231,0.1);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 8px;
}
.zb-fast__step-icon img { filter: invert(42%) sepia(78%) saturate(500%) hue-rotate(180deg); }
.zb-fast__step-title {
  font-family: var(--t-headline-font, inherit);
  font-size: 16px; font-weight: 800;
  color: var(--zb-dark);
  margin-bottom: 4px; letter-spacing: -.2px; line-height: 1.25;
}
.zb-fast__step-title--big { font-size: 22px; color: #fff; letter-spacing: -.5px; }
.zb-fast__step--result .zb-fast__step-text { color: rgba(255,255,255,0.65); font-size: 14px; }
.zb-fast__step-text {
  font-family: var(--t-text-font, inherit);
  font-size: 13.5px; font-weight: 500;
  color: var(--zb-gray); line-height: 1.6; margin: 0;
}

/* ════════════════════════
   СЕКЦИЯ 4 — ДОКУМЕНТЫ И СОПРОВОЖДЕНИЕ
════════════════════════ */
.zb-docs__inner {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 72px; align-items: start;
}
.zb-docs__lead {
  font-family: var(--t-text-font, inherit);
  font-size: 15px; font-weight: 500;
  color: var(--zb-gray); line-height: 1.7;
  margin: 0 0 28px;
}
.zb-docs__cards {
  display: flex; flex-direction: column;
  gap: 16px; margin-bottom: 22px;
}
.zb-docs__doc-card {
  display: flex; align-items: center; gap: 18px;
  background: var(--zb-white);
  border: 1.5px solid var(--zb-border);
  border-radius: var(--zb-radius-sm);
  padding: 20px 22px;
  box-shadow: var(--zb-shadow-md);
  transition: transform .22s cubic-bezier(.34,1.56,.64,1), box-shadow .2s;
}
.zb-docs__doc-card:hover { transform: translateY(-3px); box-shadow: var(--zb-shadow-lg); }
.zb-docs__doc-icon {
  width: 56px; height: 56px; border-radius: 14px;
  background: linear-gradient(135deg,rgba(62,150,231,0.1),rgba(62,150,231,0.04));
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.zb-docs__doc-icon img { filter: invert(42%) sepia(78%) saturate(500%) hue-rotate(180deg); }
.zb-docs__doc-title {
  font-family: var(--t-headline-font, inherit);
  font-size: 16px; font-weight: 800; color: var(--zb-dark);
  margin-bottom: 4px; letter-spacing: -.2px;
}
.zb-docs__doc-text {
  font-family: var(--t-text-font, inherit);
  font-size: 13px; font-weight: 500;
  color: var(--zb-gray); line-height: 1.5;
}
.zb-docs__note {
  display: flex; align-items: flex-start; gap: 10px;
  background: rgba(62,150,231,0.07);
  border: 1px solid rgba(62,150,231,0.18);
  border-radius: var(--zb-radius-sm); padding: 14px 16px;
  font-family: var(--t-text-font, inherit);
  font-size: 13px; font-weight: 500;
  color: var(--zb-dark2); line-height: 1.55;
}
.zb-docs__note svg { flex-shrink: 0; margin-top: 1px; }
.zb-docs__services {
  list-style: none; padding: 0; margin: 0 0 24px;
  display: flex; flex-direction: column; gap: 0;
}
.zb-docs__service {
  display: flex; align-items: flex-start; gap: 16px;
  padding: 18px 0; border-bottom: 1px solid var(--zb-border);
}
.zb-docs__service:last-child { border-bottom: none; }
.zb-docs__service-icon {
  width: 42px; height: 42px; border-radius: 10px;
  background: linear-gradient(135deg,rgba(25,187,79,0.12),rgba(25,187,79,0.04));
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; margin-top: 2px;
}
.zb-docs__service-icon img { filter: invert(46%) sepia(85%) saturate(400%) hue-rotate(100deg); }
.zb-docs__service-body strong {
  display: block; font-family: var(--t-text-font, inherit);
  font-size: 15px; font-weight: 700;
  color: var(--zb-dark); margin-bottom: 3px; line-height: 1.3;
}
.zb-docs__service-body span {
  font-family: var(--t-text-font, inherit);
  font-size: 13px; font-weight: 500;
  color: var(--zb-gray); line-height: 1.55;
}
.zb-docs__free-badge {
  display: flex; align-items: flex-start; gap: 12px;
  background: linear-gradient(135deg, rgba(244,200,66,0.1), rgba(244,200,66,0.04));
  border: 1.5px solid rgba(244,200,66,0.35);
  border-radius: var(--zb-radius-sm); padding: 16px 20px;
  font-family: var(--t-text-font, inherit);
  font-size: 14px; font-weight: 500;
  color: var(--zb-dark2); line-height: 1.55;
}
.zb-docs__free-badge svg { flex-shrink: 0; margin-top: 1px; }
.zb-docs__free-badge strong { font-weight: 800; color: var(--zb-dark); }

/* ════════════════════════
   АДАПТИВ
════════════════════════ */
@media (max-width: 1200px) {
  .zb-adv__grid { grid-template-columns: repeat(2,1fr); }
  .zb-pledge__inner, .zb-fast__body, .zb-docs__inner { gap: 48px; }
}
@media (max-width: 960px) {
  .zb-section { padding: 70px 24px; }
  .zb-pledge__inner, .zb-fast__body, .zb-docs__inner {
    grid-template-columns: 1fr; gap: 40px;
  }
  .zb-fast__photo-wrap { max-width: 560px; }
  .zb-fast__steps::before { display: none; }
  .zb-pledge__left { text-align: center; }
  .zb-pledge__cta { width: 100%; max-width: 340px; }
}
@media (max-width: 640px) {
  .zb-section { padding: 56px 16px; }
  .zb-adv__grid { grid-template-columns: 1fr; gap: 16px; }
  .zb-section__head { margin-bottom: 40px; }
  .zb-fast__step--result { flex-direction: column; text-align: center; gap: 12px; }
  .zb-docs__inner { gap: 52px; }
  .zb-docs__doc-card { flex-direction: column; text-align: center; }
  .zb-docs__doc-icon { margin: 0 auto; }
  .zb-modal__box { padding: 32px 24px 28px; border-radius: 20px; }
  .zb-modal__fields { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .zb-h2 { font-size: 26px; letter-spacing: -.8px; }
  .zb-pledge__item { gap: 12px; padding: 13px 12px; }
  .zb-pledge__item-icon { width: 40px; height: 40px; border-radius: 10px; }
  .zb-fast__step { gap: 14px; }
  .zb-fast__step-num { width: 36px; height: 36px; font-size: 12px; }
  .zb-docs__service-icon { width: 36px; height: 36px; border-radius: 8px; }
  .zb-modal__title { font-size: 20px; }
}

/* ===== Следующий исходный STYLE-блок ===== */

/* ═══════════════════════════════
   RESET & TOKENS
═══════════════════════════════ */
.zc-wrap,
.zc-wrap * { box-sizing: border-box; }
.zc-wrap input,
.zc-wrap textarea,
.zc-wrap select { font: inherit; }

.zc-wrap {
  --zc-blue:      #3e96e7;
  --zc-blue-dk:   #2b7fd4;
  --zc-green:     #19bb4f;
  --zc-gold:      #f4c842;
  --zc-dark:      #0d1828;
  --zc-dark2:     #1c2c44;
  --zc-gray:      #6b7f97;
  --zc-gray-lt:   #f2f6fc;
  --zc-border:    #e0eaf5;
  --zc-white:     #ffffff;
  --zc-radius:    20px;
  --zc-radius-sm: 12px;
  --zc-shadow-md: 0 4px 24px rgba(13,24,40,0.09);
  --zc-shadow-lg: 0 12px 48px rgba(13,24,40,0.14);

  font-family: var(--t-text-font, 'Montserrat', system-ui, sans-serif);
  color: var(--zc-dark);
  overflow: hidden;
}

/* ═══════════════════════════════
   SHARED UTILITIES
═══════════════════════════════ */
.zc-section { padding: 90px 24px; }
.zc-section:nth-child(odd)  { background: var(--zc-white); }
.zc-section:nth-child(even) { background: var(--zc-gray-lt); }

.zc-container {
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
}

.zc-section__head {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 64px;
}
.zc-section__lead {
  font-family: var(--t-text-font, inherit);
  font-size: 16px;
  font-weight: 500;
  color: var(--zc-gray);
  line-height: 1.7;
  margin: 0;
}
.zc-eyebrow {
  font-family: var(--t-text-font, inherit);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.8px;
  text-transform: uppercase;
  color: var(--zc-blue);
  margin-bottom: 12px;
}
.zc-h2 {
  font-family: var(--t-headline-font, 'Montserrat', system-ui, sans-serif);
  font-size: clamp(28px, 4vw, 50px);
  font-weight: 900;
  line-height: 1.1;
  letter-spacing: -1.5px;
  color: var(--zc-dark);
  margin: 0 0 16px;
}
.zc-h2-accent {
  background: linear-gradient(90deg, var(--zc-blue) 0%, #5ec3ff 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ═══════════════════════════════
   СЕКЦИЯ 1 — ОТКАЗНИКИ
═══════════════════════════════ */
.zc-reject__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.zc-reject__lead {
  font-family: var(--t-text-font, inherit);
  font-size: 16px;
  font-weight: 500;
  color: var(--zc-gray);
  line-height: 1.75;
  margin: 0 0 28px;
}
.zc-reject__label {
  font-family: var(--t-text-font, inherit);
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--zc-dark2);
  margin-bottom: 16px;
}
.zc-reject__list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
}
.zc-reject__item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 11px 0;
  border-bottom: 1px solid var(--zc-border);
  font-family: var(--t-text-font, inherit);
  font-size: 14px;
  font-weight: 500;
  color: var(--zc-dark);
  line-height: 1.4;
  transition: background .18s;
}
.zc-reject__item:nth-last-child(1),
.zc-reject__item:nth-last-child(2) { border-bottom: none; }
.zc-reject__icon-wrap {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: rgba(62,150,231,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.zc-reject__icon-wrap img {
  filter: invert(42%) sepia(78%) saturate(500%) hue-rotate(180deg);
}

/* Photo column */
.zc-reject__photo-wrap {
  position: relative;
  border-radius: var(--zc-radius);
  overflow: hidden;
  aspect-ratio: 4/5;
  box-shadow: var(--zc-shadow-lg);
}
.zc-reject__photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}
.zc-reject__photo-tag {
  position: absolute;
  bottom: 24px;
  left: 24px;
  display: flex;
  align-items: center;
  gap: 8px;
  background: rgba(13,24,40,0.88);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-radius: 40px;
  padding: 10px 18px;
  font-family: var(--t-text-font, inherit);
  font-size: 14px;
  font-weight: 600;
  color: #fff;
  white-space: nowrap;
}
.zc-reject__photo-tag strong { color: var(--zc-gold); }
.zc-reject__photo-tag--2 {
  bottom: auto;
  top: 24px;
  left: auto;
  right: 24px;
  font-size: 13px;
  background: rgba(25,187,79,0.15);
  border: 1.5px solid rgba(25,187,79,0.4);
  color: #fff;
}

/* ═══════════════════════════════
   СЕКЦИЯ 2 — УСЛОВИЯ
═══════════════════════════════ */
.zc-terms__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.zc-terms__card {
  background: var(--zc-white);
  border: 1.5px solid var(--zc-border);
  border-radius: var(--zc-radius);
  padding: 34px 26px 32px;
  text-align: center;
  box-shadow: var(--zc-shadow-md);
  transition: transform .28s cubic-bezier(.34,1.56,.64,1), box-shadow .25s;
  position: relative;
  overflow: hidden;
}
.zc-terms__card::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: var(--zc-radius);
  background: linear-gradient(135deg, rgba(62,150,231,0.06), transparent);
  opacity: 0;
  transition: opacity .3s;
}
.zc-terms__card:hover { transform: translateY(-7px); box-shadow: var(--zc-shadow-lg); }
.zc-terms__card:hover::after { opacity: 1; }
.zc-terms__card--accent {
  background: linear-gradient(135deg, var(--zc-blue), var(--zc-blue-dk));
  border-color: transparent;
}
.zc-terms__card--accent .zc-terms__card-num  { color: #fff; }
.zc-terms__card--accent .zc-terms__card-label { color: rgba(255,255,255,0.8); }
.zc-terms__card--accent .zc-terms__card-note  { color: rgba(255,255,255,0.65); }
.zc-terms__card--accent .zc-terms__card-icon img { filter: brightness(0) invert(1); }
.zc-terms__card-icon {
  width: 60px;
  height: 60px;
  border-radius: 16px;
  background: rgba(62,150,231,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}
.zc-terms__card--accent .zc-terms__card-icon { background: rgba(255,255,255,0.18); }
.zc-terms__card-icon img { filter: invert(42%) sepia(78%) saturate(500%) hue-rotate(180deg); }
.zc-terms__card-num {
  font-family: var(--t-headline-font, inherit);
  font-size: clamp(26px, 3vw, 38px);
  font-weight: 900;
  color: var(--zc-dark);
  line-height: 1;
  letter-spacing: -1.5px;
  margin-bottom: 6px;
}
.zc-terms__card-label {
  font-family: var(--t-text-font, inherit);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--zc-gray);
  margin-bottom: 12px;
}
.zc-terms__card-note {
  font-family: var(--t-text-font, inherit);
  font-size: 13px;
  font-weight: 500;
  color: var(--zc-gray);
  line-height: 1.6;
}

/* ═══════════════════════════════
   СЕКЦИЯ 3 — СТАТИСТИКА
═══════════════════════════════ */
.zc-stats__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.zc-stats__lead {
  font-family: var(--t-text-font, inherit);
  font-size: 16px;
  font-weight: 500;
  color: var(--zc-gray);
  line-height: 1.75;
  margin: 0 0 40px;
}
.zc-stats__nums {
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.zc-stats__num-item {
  display: flex;
  align-items: baseline;
  gap: 4px;
  flex-wrap: wrap;
  border-left: 4px solid var(--zc-blue);
  padding-left: 20px;
}
.zc-stats__num {
  font-family: var(--t-headline-font, inherit);
  font-size: clamp(34px, 4vw, 52px);
  font-weight: 900;
  color: var(--zc-dark);
  letter-spacing: -2px;
  line-height: 1;
}
.zc-stats__num-suf {
  font-family: var(--t-headline-font, inherit);
  font-size: clamp(24px, 3vw, 36px);
  font-weight: 900;
  color: var(--zc-blue);
  line-height: 1;
}
.zc-stats__num-label {
  width: 100%;
  font-family: var(--t-text-font, inherit);
  font-size: 14px;
  font-weight: 600;
  color: var(--zc-gray);
  margin-top: 4px;
}

/* Photo */
.zc-stats__photo-wrap {
  position: relative;
  border-radius: var(--zc-radius);
  overflow: hidden;
  aspect-ratio: 4/4;
  box-shadow: var(--zc-shadow-lg);
}
.zc-stats__photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.zc-stats__photo-pill {
  position: absolute;
  bottom: 22px;
  left: 22px;
  right: 22px;
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(13,24,40,0.88);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-radius: 14px;
  padding: 14px 18px;
  font-family: var(--t-text-font, inherit);
  font-size: 14px;
  font-weight: 700;
  color: #fff;
}
.zc-stats__photo-pill img { filter: brightness(0) invert(1); flex-shrink: 0; }

/* ═══════════════════════════════
   СЕКЦИЯ 4 — ПРЕИМУЩЕСТВА (сетка)
═══════════════════════════════ */
.zc-adv__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.zc-adv__card {
  background: var(--zc-white);
  border: 1.5px solid var(--zc-border);
  border-radius: var(--zc-radius);
  padding: 28px 22px 26px;
  box-shadow: var(--zc-shadow-md);
  position: relative;
  overflow: hidden;
  transition: transform .28s cubic-bezier(.34,1.56,.64,1), box-shadow .25s;
}
.zc-adv__card::before {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--zc-blue), var(--zc-green));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s ease;
}
.zc-adv__card:hover { transform: translateY(-5px); box-shadow: var(--zc-shadow-lg); }
.zc-adv__card:hover::before { transform: scaleX(1); }
.zc-adv__icon-wrap {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(62,150,231,0.1), rgba(62,150,231,0.04));
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.zc-adv__icon-wrap img { filter: invert(42%) sepia(78%) saturate(500%) hue-rotate(180deg); }
.zc-adv__title {
  font-family: var(--t-headline-font, inherit);
  font-size: 16px;
  font-weight: 800;
  color: var(--zc-dark);
  margin-bottom: 8px;
  line-height: 1.25;
  letter-spacing: -.3px;
}
.zc-adv__text {
  font-family: var(--t-text-font, inherit);
  font-size: 13px;
  font-weight: 500;
  color: var(--zc-gray);
  line-height: 1.65;
}

/* ═══════════════════════════════
   СЕКЦИЯ 5 — ГАРАНТИИ
═══════════════════════════════ */
.zc-guarantee__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: start;
}
.zc-guarantee__lead {
  font-family: var(--t-text-font, inherit);
  font-size: 16px;
  font-weight: 500;
  color: var(--zc-gray);
  line-height: 1.75;
  margin: 0 0 36px;
}
.zc-guarantee__blocks {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.zc-guarantee__block {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  padding: 22px 0;
  border-bottom: 1px solid var(--zc-border);
}
.zc-guarantee__block:first-child { padding-top: 0; }
.zc-guarantee__block:last-child  { border-bottom: none; }
.zc-guarantee__block-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(62,150,231,0.1), rgba(62,150,231,0.04));
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.zc-guarantee__block-icon img { filter: invert(42%) sepia(78%) saturate(500%) hue-rotate(180deg); }
.zc-guarantee__block-title {
  display: block;
  font-family: var(--t-text-font, inherit);
  font-size: 16px;
  font-weight: 800;
  color: var(--zc-dark);
  margin-bottom: 6px;
  line-height: 1.3;
  letter-spacing: -.2px;
}
.zc-guarantee__block-text {
  font-family: var(--t-text-font, inherit);
  font-size: 13.5px;
  font-weight: 500;
  color: var(--zc-gray);
  line-height: 1.65;
  margin: 0;
}

/* Photo + Seal */
.zc-guarantee__photo-wrap {
  position: relative;
  border-radius: var(--zc-radius);
  overflow: hidden;
  aspect-ratio: 4/4.5;
  box-shadow: var(--zc-shadow-lg);
  margin-bottom: 24px;
}
.zc-guarantee__photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
}

/* Seal */
.zc-guarantee__seal {
  display: flex;
  justify-content: center;
  margin-bottom: 20px;
}
.zc-guarantee__seal-ring {
  position: relative;
  width: 120px;
  height: 120px;
}
.zc-guarantee__seal-svg {
  width: 120px;
  height: 120px;
  animation: zcRotate 18s linear infinite;
}
@keyframes zcRotate { to { transform: rotate(360deg); } }
.zc-guarantee__seal-center {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
}
.zc-guarantee__seal-num {
  font-family: var(--t-headline-font, inherit);
  font-size: 32px;
  font-weight: 900;
  color: var(--zc-dark);
  line-height: 1;
  letter-spacing: -1px;
}
.zc-guarantee__seal-txt {
  font-family: var(--t-text-font, inherit);
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--zc-gray);
  line-height: 1.4;
}

/* Mission note */
.zc-guarantee__mission {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: rgba(62,150,231,0.07);
  border: 1px solid rgba(62,150,231,0.18);
  border-radius: var(--zc-radius-sm);
  padding: 16px 18px;
}
.zc-guarantee__mission svg { flex-shrink: 0; margin-top: 2px; }
.zc-guarantee__mission p {
  font-family: var(--t-text-font, inherit);
  font-size: 14px;
  font-weight: 500;
  color: var(--zc-dark2);
  line-height: 1.6;
  margin: 0;
}

/* ═══════════════════════════════
   АДАПТИВ
═══════════════════════════════ */
/* 960–1200 */
@media (max-width: 1200px) {
  .zc-terms__grid { grid-template-columns: repeat(2, 1fr); }
  .zc-adv__grid   { grid-template-columns: repeat(2, 1fr); }
  .zc-reject__inner,
  .zc-stats__inner,
  .zc-guarantee__inner { gap: 48px; }
}

/* 640–960 */
@media (max-width: 960px) {
  .zc-section { padding: 70px 24px; }
  .zc-reject__inner,
  .zc-stats__inner,
  .zc-guarantee__inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .zc-reject__right { order: -1; }
  .zc-reject__photo-wrap { max-width: 500px; margin: 0 auto; aspect-ratio: 3/2.5; }
  .zc-stats__photo-wrap  { max-width: 540px; margin: 0 auto; }
  .zc-guarantee__photo-wrap { max-width: 500px; margin: 0 auto; aspect-ratio: 4/3; }
  .zc-terms__grid { grid-template-columns: repeat(2, 1fr); }
}

/* 480–640 */
@media (max-width: 640px) {
  .zc-section { padding: 56px 16px; }
  .zc-section__head { margin-bottom: 40px; }
  .zc-terms__grid { grid-template-columns: 1fr; gap: 16px; }
  .zc-adv__grid   { grid-template-columns: 1fr; gap: 14px; }
  .zc-reject__list { grid-template-columns: 1fr; }
  .zc-reject__item:nth-last-child(2) { border-bottom: 1px solid var(--zc-border); }
  .zc-reject__item:last-child { border-bottom: none; }
  .zc-stats__nums { gap: 20px; }
  .zc-guarantee__seal { display: none; }
}

/* 320–480 */
@media (max-width: 480px) {
  .zc-h2 { font-size: 26px; letter-spacing: -.8px; }
  .zc-reject__photo-tag { font-size: 12px; padding: 8px 14px; }
  .zc-guarantee__block { gap: 14px; }
  .zc-guarantee__block-icon { width: 42px; height: 42px; border-radius: 10px; }
  .zc-stats__num { font-size: 34px; }
  .zc-terms__card { padding: 26px 18px 24px; }
}

/* ===== Следующий исходный STYLE-блок ===== */

/* ════════════════════════
   RESET
════════════════════════ */
.zc-wrap,
.zc-wrap * { box-sizing: border-box; }
.zc-modal-overlay,
.zc-modal,
.zc-modal * { box-sizing: border-box; }
.zc-wrap input,
.zc-wrap textarea,
.zc-wrap select { font: inherit; }

.zc-wrap {
  --zc-blue:      #3e96e7;
  --zc-blue-dk:   #2b7fd4;
  --zc-green:     #19bb4f;
  --zc-gold:      #f4c842;
  --zc-dark:      #0d1828;
  --zc-dark2:     #1c2c44;
  --zc-gray:      #6b7f97;
  --zc-gray-lt:   #f2f6fc;
  --zc-border:    #e0eaf5;
  --zc-white:     #ffffff;
  --zc-radius:    20px;
  --zc-radius-sm: 12px;
  --zc-shadow-md: 0 4px 24px rgba(13,24,40,0.09);
  --zc-shadow-lg: 0 12px 48px rgba(13,24,40,0.14);

  font-family: var(--t-text-font, 'Montserrat', system-ui, sans-serif);
  color: var(--zc-dark);
  /* overflow: hidden УДАЛЁН — он ломал position:fixed модалку */
}

/* ════════════════════════
   SHARED
════════════════════════ */
.zc-section {
  padding: 90px 24px;
}
.zc-section:nth-child(odd)  { background: #ffffff; }
.zc-section:nth-child(even) { background: #f2f6fc; }

.zc-container {
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
}

.zc-section__head {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 64px;
}
.zc-section__lead {
  font-family: var(--t-text-font, inherit);
  font-size: 16px;
  font-weight: 500;
  color: #6b7f97;
  line-height: 1.7;
  margin: 0;
  text-wrap: pretty;
}

.zc-h2 {
  font-family: var(--t-headline-font, 'Montserrat', system-ui, sans-serif);
  font-size: clamp(26px, 3.8vw, 48px);
  font-weight: 900;
  line-height: 1.1;
  letter-spacing: -0.04em;
  color: #0d1828;
  margin: 0 0 16px;
  text-wrap: balance;
}
.zc-h2--left { text-align: left; }
.zc-h2-solid { color: #3e96e7; }

/* ════════════════════════
   СЕКЦИЯ 1 — ВИДЫ КРЕДИТОВ
════════════════════════ */
.zc-loans__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  align-items: start;
}

.zc-loans__card {
  background: #ffffff;
  border: 1.5px solid #e0eaf5;
  border-radius: 20px;
  padding: 36px 32px 30px;
  box-shadow: 0 4px 24px rgba(13,24,40,0.09);
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.zc-loans__card--featured {
  background: linear-gradient(150deg, #0d1828 0%, #1a2f50 100%);
  border-color: rgba(62,150,231,0.3);
  box-shadow: 0 12px 48px rgba(13,24,40,0.14), 0 0 0 1px rgba(62,150,231,0.15);
}

.zc-loans__best-badge {
  position: absolute;
  top: -1px;
  right: 28px;
  background: #19bb4f;
  color: #fff;
  font-family: var(--t-text-font, inherit);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .5px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 0 0 10px 10px;
}

.zc-loans__card-header {
  display: flex;
  align-items: center;
  gap: 16px;
}
.zc-loans__card-icon {
  width: 58px;
  height: 58px;
  border-radius: 14px;
  background: rgba(62,150,231,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.zc-loans__card-icon img { filter: invert(42%) sepia(78%) saturate(500%) hue-rotate(180deg); }
.zc-loans__card-icon--light { background: rgba(255,255,255,0.12); }
.zc-loans__card-icon--light img { filter: brightness(0) invert(1); }

.zc-loans__card-tag {
  font-family: var(--t-headline-font, inherit);
  font-size: 20px;
  font-weight: 900;
  color: #0d1828;
  line-height: 1.2;
  letter-spacing: -0.02em;
}
.zc-loans__card-tag--light { color: #fff; }
.zc-loans__card-speed {
  font-family: var(--t-text-font, inherit);
  font-size: 12px;
  font-weight: 600;
  color: #19bb4f;
  margin-top: 3px;
}
.zc-loans__card-speed--light { color: #5ef59a; }

.zc-loans__metrics {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 1px;
  background: #e0eaf5;
  border-radius: 12px;
  overflow: hidden;
}
.zc-loans__card--featured .zc-loans__metrics {
  background: rgba(255,255,255,0.1);
}
.zc-loans__metric {
  background: #f2f6fc;
  padding: 14px 12px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  text-align: center;
}
.zc-loans__metric--light { background: rgba(255,255,255,0.08); }

.zc-loans__metric-val {
  font-family: var(--t-headline-font, inherit);
  font-size: 17px;
  font-weight: 900;
  color: #0d1828;
  line-height: 1.1;
  letter-spacing: -0.02em;
}
.zc-loans__metric--light .zc-loans__metric-val { color: #fff; }

.zc-loans__metric-lbl {
  font-family: var(--t-text-font, inherit);
  font-size: 11px;
  font-weight: 600;
  color: #6b7f97;
  line-height: 1.3;
  text-transform: uppercase;
  letter-spacing: .4px;
}
.zc-loans__metric--light .zc-loans__metric-lbl { color: rgba(255,255,255,0.5); }

.zc-loans__params {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.zc-loans__param {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
  padding: 11px 0;
  border-bottom: 1px solid #e0eaf5;
}
.zc-loans__params--light .zc-loans__param {
  border-bottom-color: rgba(255,255,255,0.1);
}
.zc-loans__param:last-child { border-bottom: none; }

.zc-loans__param-key {
  font-family: var(--t-text-font, inherit);
  font-size: 13px;
  font-weight: 600;
  color: #6b7f97;
  flex-shrink: 0;
}
.zc-loans__params--light .zc-loans__param-key { color: rgba(255,255,255,0.5); }

.zc-loans__param-val {
  font-family: var(--t-text-font, inherit);
  font-size: 13px;
  font-weight: 700;
  color: #0d1828;
  text-align: right;
  line-height: 1.4;
}
.zc-loans__params--light .zc-loans__param-val { color: rgba(255,255,255,0.9); }
.zc-loans__param-val--ok  { color: #19bb4f; }
.zc-loans__param-val--warn { color: #d96c2a; }
.zc-loans__params--light .zc-loans__param-val--ok { color: #5ef59a; }

.zc-loans__footnote {
  font-family: var(--t-text-font, inherit);
  font-size: 11.5px;
  font-weight: 500;
  color: #6b7f97;
  line-height: 1.6;
  padding-top: 4px;
  border-top: 1px dashed #e0eaf5;
}
.zc-loans__footnote--light {
  color: rgba(255,255,255,0.4);
  border-top-color: rgba(255,255,255,0.1);
}

/* ════════════════════════
   СЕКЦИЯ 2 — КОНСУЛЬТАЦИЯ
════════════════════════ */
.zc-consult__inner {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 72px;
  align-items: center;
}

.zc-consult__label {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--t-text-font, inherit);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: #19bb4f;
  background: rgba(25,187,79,0.1);
  border: 1px solid rgba(25,187,79,0.25);
  border-radius: 50px;
  padding: 5px 14px;
  margin-bottom: 18px;
}

.zc-consult__desc {
  font-family: var(--t-text-font, inherit);
  font-size: 15px;
  font-weight: 500;
  color: #6b7f97;
  line-height: 1.7;
  margin: 0 0 28px;
  text-wrap: pretty;
}

.zc-consult__btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 15px 32px;
  background: #3e96e7;
  color: #fff !important;
  border-radius: 12px;
  font-family: var(--t-text-font, inherit);
  font-size: 15px;
  font-weight: 700;
  text-decoration: none;
  border: none;
  cursor: pointer;
  box-shadow: 0 6px 22px rgba(62,150,231,0.38);
  transition: transform .22s cubic-bezier(.34,1.56,.64,1), box-shadow .2s;
}
.zc-consult__btn:hover { transform: translateY(-2px); box-shadow: 0 10px 30px rgba(62,150,231,0.5); }

.zc-consult__list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.zc-consult__item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px 0;
  border-bottom: 1px solid #e0eaf5;
}
.zc-consult__item:last-child { border-bottom: none; }

.zc-consult__item-icon {
  width: 44px;
  height: 44px;
  border-radius: 11px;
  background: rgba(62,150,231,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}
.zc-consult__item-icon img { filter: invert(42%) sepia(78%) saturate(500%) hue-rotate(180deg); }

.zc-consult__item-text {
  font-family: var(--t-text-font, inherit);
  font-size: 14px;
  font-weight: 500;
  color: #6b7f97;
  line-height: 1.65;
  text-wrap: pretty;
}
.zc-consult__item-text strong {
  display: block;
  font-size: 15px;
  font-weight: 700;
  color: #0d1828;
  margin-bottom: 4px;
  line-height: 1.3;
}

/* ════════════════════════
   МОДАЛЬНОЕ ОКНО
════════════════════════ */
.zc-modal-overlay {
  position: fixed;
  inset: 0;
  z-index: 99999;
  background: rgba(13, 24, 40, 0.7);
  backdrop-filter: blur(4px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity .28s ease, visibility 0s linear .28s;
}
.zc-modal-overlay[hidden] {
  display: none !important;
}
.zc-modal-overlay.is-visible {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transition: opacity .28s ease, visibility 0s linear 0s;
}

.zc-modal {
  position: relative;
  background: #ffffff;
  border-radius: 20px;
  box-shadow: 0 24px 80px rgba(13,24,40,0.28);
  width: 100%;
  max-width: 520px;
  max-height: 90vh;
  overflow-y: auto;
  padding: 44px 44px 40px;
  transform: translateY(24px) scale(0.97);
  transition: transform .32s cubic-bezier(.34,1.2,.64,1);
}
.zc-modal-overlay.is-visible .zc-modal {
  transform: translateY(0) scale(1);
}

.zc-modal__close {
  position: absolute;
  top: 18px;
  right: 18px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1.5px solid #e0eaf5;
  background: #ffffff;
  color: #6b7f97;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background .18s, color .18s, border-color .18s;
}
.zc-modal__close:hover {
  background: #0d1828;
  color: #fff;
  border-color: #0d1828;
}

.zc-modal__badge {
  display: inline-flex;
  font-family: var(--t-text-font, inherit);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: #19bb4f;
  background: rgba(25,187,79,0.1);
  border: 1px solid rgba(25,187,79,0.25);
  border-radius: 50px;
  padding: 4px 12px;
  margin-bottom: 12px;
}
.zc-modal__title {
  font-family: var(--t-headline-font, inherit);
  font-size: clamp(20px, 2.8vw, 28px);
  font-weight: 900;
  color: #0d1828;
  line-height: 1.15;
  letter-spacing: -0.03em;
  margin: 0 0 8px;
  text-wrap: balance;
}
.zc-modal__subtitle {
  font-family: var(--t-text-font, inherit);
  font-size: 14px;
  font-weight: 500;
  color: #6b7f97;
  line-height: 1.6;
  margin: 0 0 28px;
}

.zc-modal__form {
  font-family: var(--t-text-font, inherit);
}
.zc-modal__form input,
.zc-modal__form textarea,
.zc-modal__form select { font: inherit; }

.zc-modal__fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 12px;
}
.zc-field { display: flex; flex-direction: column; gap: 6px; }
.zc-field--full { grid-column: 1 / -1; }

.zc-field__label {
  font-family: var(--t-text-font, inherit);
  font-size: 12px;
  font-weight: 700;
  color: #1c2c44;
  letter-spacing: .3px;
}
.zc-field__opt {
  font-weight: 500;
  color: #6b7f97;
}

.zc-field__input,
.zc-field__textarea {
  width: 100%;
  background: #f2f6fc;
  border: 1.5px solid #e0eaf5;
  border-radius: 12px;
  padding: 12px 14px;
  font-family: var(--t-text-font, inherit);
  font-size: 14px;
  font-weight: 500;
  color: #0d1828;
  outline: none;
  transition: border-color .18s, box-shadow .18s;
}
.zc-field__input::placeholder,
.zc-field__textarea::placeholder { color: #a8bdd4; }
.zc-field__input:focus,
.zc-field__textarea:focus {
  border-color: #3e96e7;
  box-shadow: 0 0 0 3px rgba(62,150,231,0.14);
  background: #fff;
}
.zc-field__textarea { resize: vertical; min-height: 80px; }

.zc-field .t-input-error {
  font-family: var(--t-text-font, inherit);
  font-size: 11.5px;
  font-weight: 600;
  color: #d63b3b;
  min-height: 16px;
  line-height: 1.4;
}

.zc-modal__agree {
  font-family: var(--t-text-font, inherit);
  font-size: 11.5px;
  font-weight: 500;
  color: #6b7f97;
  line-height: 1.6;
  margin: 0 0 18px;
}
.zc-modal__agree-link {
  color: #3e96e7;
  text-decoration: underline;
  text-underline-offset: 2px;
}
.zc-modal__agree-link:hover { text-decoration: none; }

.zc-modal__submit {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px 28px;
  background: #3e96e7;
  color: #fff !important;
  border: none;
  border-radius: 12px;
  font-family: var(--t-text-font, inherit);
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  box-shadow: 0 6px 22px rgba(62,150,231,0.38);
  transition: transform .2s cubic-bezier(.34,1.4,.64,1), box-shadow .2s, background .18s;
}
.zc-modal__submit:hover {
  background: #2b7fd4;
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(62,150,231,0.5);
}
.zc-modal__submit:active { transform: translateY(0); }

/* Защита CTA модального окна от глобальных стилей Tilda */
#zc-consult-modal button.zc-modal__submit,
#zc-consult-modal .zc-modal__form button.zc-modal__submit {
  width: 100% !important;
  min-height: 54px !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  padding: 16px 28px !important;
  border: 0 !important;
  border-radius: 12px !important;
  background: linear-gradient(135deg,#3e96e7 0%,#2b7fd4 100%) !important;
  background-color: #3e96e7 !important;
  color: #fff !important;
  -webkit-text-fill-color: #fff !important;
  opacity: 1 !important;
  visibility: visible !important;
  font-size: 15px !important;
  font-weight: 700 !important;
  line-height: 1.2 !important;
  text-indent: 0 !important;
  box-shadow: 0 6px 22px rgba(62,150,231,.38) !important;
}
#zc-consult-modal .zc-modal__submit .zc-modal__submit-text {
  display: inline-block !important;
  position: relative !important;
  z-index: 2 !important;
  color: #fff !important;
  -webkit-text-fill-color: #fff !important;
  opacity: 1 !important;
  visibility: visible !important;
  font-size: 15px !important;
  font-weight: 700 !important;
  line-height: 1.2 !important;
}
#zc-consult-modal button.zc-modal__submit:hover {
  background: linear-gradient(135deg,#2b7fd4 0%,#226fbd 100%) !important;
  background-color: #2b7fd4 !important;
}


.zc-modal__success {
  text-align: center;
  padding: 28px 0 8px;
}
.zc-modal__success-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: rgba(25,187,79,0.12);
  color: #19bb4f;
  font-size: 26px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.zc-modal__success-title {
  font-family: var(--t-headline-font, inherit);
  font-size: 22px;
  font-weight: 900;
  color: #0d1828;
  letter-spacing: -0.03em;
  margin-bottom: 8px;
}
.zc-modal__success-text {
  font-family: var(--t-text-font, inherit);
  font-size: 14px;
  font-weight: 500;
  color: #6b7f97;
  line-height: 1.6;
}

/* ════════════════════════
   СЕКЦИЯ 3 — РЕФИНАНСИРОВАНИЕ
════════════════════════ */
.zc-refi__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.zc-refi__card {
  background: #ffffff;
  border: 1.5px solid #e0eaf5;
  border-radius: 20px;
  padding: 28px 24px;
  box-shadow: 0 4px 24px rgba(13,24,40,0.09);
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: transform .25s cubic-bezier(.34,1.56,.64,1), box-shadow .22s;
}
.zc-refi__card:hover { transform: translateY(-5px); box-shadow: 0 12px 48px rgba(13,24,40,0.14); }

.zc-refi__card-icon {
  width: 52px;
  height: 52px;
  border-radius: 13px;
  background: linear-gradient(135deg, rgba(62,150,231,0.1), rgba(62,150,231,0.03));
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.zc-refi__card-icon img { filter: invert(42%) sepia(78%) saturate(500%) hue-rotate(180deg); }

.zc-refi__card-title {
  font-family: var(--t-headline-font, inherit);
  font-size: 16px;
  font-weight: 800;
  color: #0d1828;
  line-height: 1.3;
  letter-spacing: -0.02em;
}
.zc-refi__card-text {
  font-family: var(--t-text-font, inherit);
  font-size: 13.5px;
  font-weight: 500;
  color: #6b7f97;
  line-height: 1.65;
  text-wrap: pretty;
}
.zc-refi__cta-wrap {
  display: flex;
  justify-content: center;
  margin-top: 34px;
}
.zc-refi__cta-wrap .zc-consult__btn {
  min-width: min(100%, 360px);
}

/* ════════════════════════
   СЕКЦИЯ 4 — ДОВЕРИЕ / ПАРТНЁРЫ
════════════════════════ */
.zc-trust__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: start;
}

.zc-trust__col-tag {
  font-family: var(--t-text-font, inherit);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: #3e96e7;
  margin-bottom: 14px;
}

.zc-trust__desc {
  font-family: var(--t-text-font, inherit);
  font-size: 15px;
  font-weight: 500;
  color: #6b7f97;
  line-height: 1.7;
  margin: 0 0 28px;
  text-wrap: pretty;
}

.zc-bureaus {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.zc-bureaus__item {
  display: flex;
  align-items: center;
  gap: 14px;
}
.zc-bureaus__dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: #3e96e7;
  flex-shrink: 0;
}
.zc-bureaus__name {
  font-family: var(--t-text-font, inherit);
  font-size: 14px;
  font-weight: 600;
  color: #0d1828;
  line-height: 1.4;
}

.zc-partners {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-bottom: 22px;
}
.zc-partners__stat {
  background: #ffffff;
  border: 1.5px solid #e0eaf5;
  border-radius: 12px;
  padding: 18px 14px;
  text-align: center;
  box-shadow: 0 4px 24px rgba(13,24,40,0.09);
}
.zc-partners__stat-num {
  font-family: var(--t-headline-font, inherit);
  font-size: 32px;
  font-weight: 900;
  color: #3e96e7;
  line-height: 1;
  letter-spacing: -0.04em;
}
.zc-partners__stat-lbl {
  font-family: var(--t-text-font, inherit);
  font-size: 11px;
  font-weight: 600;
  color: #6b7f97;
  line-height: 1.4;
  margin-top: 5px;
  text-transform: uppercase;
  letter-spacing: .3px;
}

.zc-trust__badge {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  background: rgba(244,200,66,0.08);
  border: 1.5px solid rgba(244,200,66,0.3);
  border-radius: 12px;
  padding: 14px 16px;
  font-family: var(--t-text-font, inherit);
  font-size: 13px;
  font-weight: 500;
  color: #1c2c44;
  line-height: 1.55;
}
.zc-trust__badge-icon {
  filter: invert(82%) sepia(70%) saturate(500%) hue-rotate(10deg);
  flex-shrink: 0;
  margin-top: 1px;
}

/* ════════════════════════
   СЕКЦИЯ 5 — FAQ
════════════════════════ */
.zc-faq__list {
  max-width: 860px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0;
  border: 1.5px solid #e0eaf5;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(13,24,40,0.09);
}

.zc-faq__item {
  border-bottom: 1px solid #e0eaf5;
  background: #ffffff;
}
.zc-faq__item:last-child { border-bottom: none; }
.zc-faq__item.is-open { background: rgba(62,150,231,0.02); }

.zc-faq__q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 22px 28px;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--t-text-font, inherit);
  font-size: 16px;
  font-weight: 700;
  color: #0d1828;
  line-height: 1.4;
  transition: color .18s;
}
.zc-faq__q:hover { color: #3e96e7; }
.zc-faq__item.is-open .zc-faq__q { color: #3e96e7; }

.zc-faq__arrow {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 1.5px solid #e0eaf5;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
  transition: background .2s, border-color .2s, transform .3s cubic-bezier(.34,1.2,.64,1);
}
.zc-faq__arrow::before,
.zc-faq__arrow::after {
  content: '';
  position: absolute;
  background: #6b7f97;
  border-radius: 2px;
  transition: background .2s, transform .3s;
}
.zc-faq__arrow::before { width: 10px; height: 1.5px; }
.zc-faq__arrow::after  { width: 1.5px; height: 10px; transition: background .2s, transform .3s, opacity .3s; }

.zc-faq__item.is-open .zc-faq__arrow {
  background: #3e96e7;
  border-color: #3e96e7;
  transform: rotate(45deg);
}
.zc-faq__item.is-open .zc-faq__arrow::before,
.zc-faq__item.is-open .zc-faq__arrow::after { background: #fff; }

.zc-faq__a {
  font-family: var(--t-text-font, inherit);
  font-size: 14.5px;
  font-weight: 500;
  color: #6b7f97;
  line-height: 1.75;
  text-wrap: pretty;
  overflow: hidden;
  max-height: 0;
  opacity: 0;
  transition: max-height .38s cubic-bezier(.4,0,.2,1), opacity .3s ease, padding .3s ease;
  padding: 0 28px;
}
.zc-faq__a.is-visible {
  max-height: 500px;
  opacity: 1;
  padding: 0 28px 24px;
}

/* ════════════════════════
   АДАПТИВ
════════════════════════ */
@media (max-width: 1200px) {
  .zc-refi__grid { grid-template-columns: repeat(2,1fr); }
  .zc-consult__inner { gap: 48px; }
  .zc-trust__inner { gap: 48px; }
}

@media (max-width: 960px) {
  .zc-section { padding: 70px 24px; }
  .zc-loans__grid { grid-template-columns: 1fr; max-width: 600px; margin: 0 auto; }
  .zc-consult__inner { grid-template-columns: 1fr; gap: 40px; }
  .zc-consult__left { text-align: center; }
  .zc-consult__btn { width: 100%; max-width: 340px; }
  .zc-refi__grid { grid-template-columns: repeat(2,1fr); }
  .zc-trust__inner { grid-template-columns: 1fr; gap: 52px; }
  .zc-partners { grid-template-columns: repeat(3,1fr); }
}

@media (max-width: 640px) {
  .zc-section { padding: 56px 16px; }
  .zc-section__head { margin-bottom: 40px; }
  .zc-refi__grid { grid-template-columns: 1fr; }
  .zc-loans__metrics { grid-template-columns: 1fr 1fr 1fr; }
  .zc-loans__metric-val { font-size: 14px; }
  .zc-faq__q { padding: 18px 20px; font-size: 15px; }
  .zc-faq__a.is-visible { padding-bottom: 20px; }
  .zc-partners { grid-template-columns: repeat(3,1fr); gap: 8px; }
  .zc-partners__stat-num { font-size: 24px; }
  .zc-modal { padding: 36px 24px 32px; }
  .zc-modal__fields { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .zc-h2 { font-size: 24px; }
  .zc-loans__card { padding: 24px 18px; }
  .zc-loans__metrics { grid-template-columns: 1fr; gap: 1px; }
  .zc-loans__metric { padding: 10px 14px; text-align: left; }
  .zc-faq__q { padding: 16px; gap: 14px; font-size: 14px; }
  .zc-faq__a.is-visible { padding: 0 16px 18px; }
  .zc-partners { grid-template-columns: 1fr; gap: 10px; }
  .zc-consult__inner { gap: 32px; }
  .zc-modal { padding: 32px 18px 28px; }
}

@media (prefers-reduced-motion: reduce) {
  .zc-refi__card,
  .zc-consult__btn,
  .zc-faq__a,
  .zc-faq__arrow,
  .zc-modal,
  .zc-modal-overlay { transition: none; }
}

/* ===== Следующий исходный STYLE-блок ===== */

/* ════════════════════════
   RESET
════════════════════════ */
.zf-wrap,
.zf-wrap * { box-sizing: border-box; }
.zf-wrap input,
.zf-wrap textarea,
.zf-wrap select { font: inherit; }

/* ════════════════════════
   ПЕРЕМЕННЫЕ
════════════════════════ */
.zf-wrap {
  --zf-blue:      #3e96e7;
  --zf-blue-dk:   #2b7fd4;
  --zf-green:     #19bb4f;
  --zf-dark:      #0d1828;
  --zf-dark2:     #1c2c44;
  --zf-gray:      #6b7f97;
  --zf-gray-lt:   #f2f6fc;
  --zf-border:    #e0eaf5;
  --zf-white:     #ffffff;
  --zf-radius:    20px;
  --zf-radius-sm: 12px;
  --zf-shadow-md: 0 4px 24px rgba(13,24,40,0.09);
  --zf-shadow-lg: 0 12px 48px rgba(13,24,40,0.14);

  font-family: var(--t-text-font, 'Montserrat', system-ui, sans-serif);
  color: var(--zf-dark);
  overflow: hidden;
}

/* ════════════════════════
   SHARED
════════════════════════ */
.zf-container {
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
}

.zf-section {
  padding: 90px 24px;
}

.zf-eyebrow {
  display: inline-flex;
  align-items: center;
  font-family: var(--t-text-font, inherit);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--zf-blue);
  background: rgba(62,150,231,0.08);
  border: 1px solid rgba(62,150,231,0.2);
  border-radius: 50px;
  padding: 5px 14px;
  margin-bottom: 18px;
}

.zf-h2 {
  font-family: var(--t-headline-font, 'Montserrat', system-ui, sans-serif);
  font-size: clamp(26px, 3.5vw, 46px);
  font-weight: 900;
  line-height: 1.1;
  letter-spacing: -0.04em;
  color: var(--zf-dark);
  margin: 0 0 16px;
  text-wrap: balance;
}
.zf-h2-accent { color: var(--zf-blue); }

/* ════════════════════════
   СЕКЦИЯ КОНТАКТЫ
════════════════════════ */
.zf-contacts {
  background: var(--zf-gray-lt);
}

.zf-contacts__inner {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 72px;
  align-items: start;
}

.zf-contacts__sub {
  font-family: var(--t-text-font, inherit);
  font-size: 15px;
  font-weight: 500;
  color: var(--zf-gray);
  line-height: 1.7;
  margin: 0 0 36px;
  text-wrap: pretty;
}

/* Контактные айтемы */
.zf-contact-items {
  display: flex;
  flex-direction: column;
  gap: 4px;
  margin-bottom: 32px;
}

.zf-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 16px;
  border-radius: var(--zf-radius-sm);
  text-decoration: none;
  color: inherit;
  transition: background .18s;
}
a.zf-contact-item:hover { background: rgba(62,150,231,0.06); }

.zf-contact-item__icon {
  width: 42px;
  height: 42px;
  background: rgba(62,150,231,0.1);
  border-radius: 11px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.zf-contact-item__icon img {
  filter: invert(42%) sepia(78%) saturate(500%) hue-rotate(180deg);
}

.zf-contact-item__label {
  font-family: var(--t-text-font, inherit);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .8px;
  color: var(--zf-gray);
  margin-bottom: 3px;
}
.zf-contact-item__val {
  font-family: var(--t-text-font, inherit);
  font-size: 15px;
  font-weight: 700;
  color: var(--zf-dark);
  line-height: 1.45;
}
a.zf-contact-item:hover .zf-contact-item__val { color: var(--zf-blue); }

/* Мессенджеры */
.zf-messengers { margin-top: 4px; }
.zf-messengers__links { display: flex; gap: 10px; }

/* ════════════════════════
   КАРТОЧКА ФОРМЫ
════════════════════════ */
.zf-form-card {
  background: var(--zf-white);
  border: 1.5px solid var(--zf-border);
  border-radius: var(--zf-radius);
  box-shadow: var(--zf-shadow-lg);
  overflow: hidden;
}

.zf-form-card__head {
  background: linear-gradient(135deg, #0d1828 0%, #1a2f50 100%);
  padding: 28px 32px 24px;
}
.zf-form-card__badge {
  display: inline-flex;
  align-items: center;
  font-family: var(--t-text-font, inherit);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: #5ef59a;
  background: rgba(25,187,79,0.15);
  border: 1px solid rgba(25,187,79,0.3);
  border-radius: 50px;
  padding: 4px 12px;
  margin-bottom: 10px;
}
.zf-form-card__title {
  font-family: var(--t-headline-font, 'Montserrat', system-ui, sans-serif);
  font-size: 22px;
  font-weight: 900;
  color: #fff;
  letter-spacing: -0.03em;
  line-height: 1.2;
  margin-bottom: 6px;
}
.zf-form-card__sub {
  font-family: var(--t-text-font, inherit);
  font-size: 13px;
  font-weight: 500;
  color: rgba(255,255,255,0.5);
  line-height: 1.55;
}

/* Форма */
.zf-form {
  padding: 28px 32px 32px;
  font-family: var(--t-text-font, inherit);
}

.zf-form__fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 20px;
}

.zf-input-group { display: flex; flex-direction: column; gap: 6px; }
.zf-input-group--full { grid-column: 1 / -1; }

.zf-label {
  font-family: var(--t-text-font, inherit);
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .7px;
  color: var(--zf-gray);
}

.zf-input {
  font-family: var(--t-text-font, inherit);
  font-size: 15px;
  font-weight: 500;
  color: var(--zf-dark);
  background: var(--zf-gray-lt);
  border: 1.5px solid var(--zf-border);
  border-radius: var(--zf-radius-sm);
  padding: 13px 16px;
  width: 100%;
  outline: none;
  transition: border-color .18s, box-shadow .18s;
  -webkit-appearance: none;
  appearance: none;
}
.zf-input::placeholder { color: rgba(107,127,151,0.5); }
.zf-input:focus {
  border-color: var(--zf-blue);
  box-shadow: 0 0 0 3px rgba(62,150,231,0.14);
  background: var(--zf-white);
}

.zf-select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath fill='none' stroke='%236b7f97' stroke-width='1.5' d='M4 6l4 4 4-4'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-size: 16px;
  padding-right: 40px;
  cursor: pointer;
}

.zf-textarea {
  resize: vertical;
  min-height: 90px;
  line-height: 1.6;
}

.zf-input-group .t-input-error {
  font-family: var(--t-text-font, inherit);
  font-size: 12px;
  color: #e05252;
  min-height: 0;
  line-height: 1.4;
}

/* ── Кнопка отправки ── */
.zf-wrap .zf-submit {
  display: block;
  width: 100%;
  padding: 17px 32px;
  background: var(--zf-blue);
  color: #fff;
  border: none;
  border-radius: var(--zf-radius-sm);
  cursor: pointer;
  font-family: var(--t-text-font, inherit);
  font-size: 15px;
  font-weight: 700;
  letter-spacing: 0.01em;
  line-height: 1.3;
  text-align: center;
  white-space: nowrap;
  box-shadow: 0 6px 22px rgba(62,150,231,0.38);
  transition: background .18s, transform .22s cubic-bezier(.34,1.56,.64,1), box-shadow .2s;
  -webkit-appearance: none;
  appearance: none;
}
.zf-wrap .zf-submit:hover {
  background: var(--zf-blue-dk);
  transform: translateY(-2px);
  box-shadow: 0 10px 32px rgba(62,150,231,0.52);
}
.zf-wrap .zf-submit:active {
  transform: translateY(0);
  box-shadow: 0 4px 14px rgba(62,150,231,0.3);
}

.zf-form__legal {
  font-family: var(--t-text-font, inherit);
  font-size: 11.5px;
  font-weight: 500;
  color: var(--zf-gray);
  text-align: center;
  line-height: 1.55;
  margin-top: 14px;
}
.zf-form__legal-link {
  color: var(--zf-blue);
  text-decoration: none;
  border-bottom: 1px dashed rgba(62,150,231,0.4);
  transition: border-color .18s;
}
.zf-form__legal-link:hover { border-color: var(--zf-blue); }

/* ════════════════════════
   ФУТЕР
════════════════════════ */
.zf-footer {
  background: var(--zf-dark);
  padding: 64px 24px 36px;
  font-family: var(--t-text-font, inherit);
}

.zf-footer__top {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 72px;
  align-items: start;
}

/* Бренд — логотип */
.zf-footer__logo { margin-bottom: 14px; }
.zf-footer__logo-link {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}
.zf-footer__logo-img {
  width: 52px;
  height: 52px;
  object-fit: contain;
  flex-shrink: 0;
  display: block;
}
.zf-footer__logo-text {
  font-family: var(--t-headline-font, inherit);
  font-size: 17px;
  font-weight: 900;
  color: #fff;
  letter-spacing: -0.03em;
  line-height: 1.2;
}
.zf-footer__logo-accent { color: var(--zf-blue); }

.zf-footer__tagline {
  font-family: var(--t-text-font, inherit);
  font-size: 13px;
  font-weight: 500;
  color: rgba(255,255,255,0.4);
  line-height: 1.65;
  margin: 0 0 22px;
  text-wrap: pretty;
}

.zf-footer__social { display: flex; gap: 8px; }
.zf-footer__social-link {
  width: 36px; height: 36px;
  border-radius: 9px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.1);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  transition: background .18s, color .18s, transform .2s;
}
.zf-footer__social-link:hover {
  background: var(--zf-blue);
  border-color: var(--zf-blue);
  color: #fff;
  transform: translateY(-2px);
}

/* Навигация */
.zf-footer__nav {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.zf-footer__nav-title {
  font-family: var(--t-text-font, inherit);
  font-size: 11px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  color: rgba(255,255,255,0.35);
  margin-bottom: 16px;
}
.zf-footer__nav-list {
  list-style: none;
  padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: 10px;
}
.zf-footer__nav-link {
  font-family: var(--t-text-font, inherit);
  font-size: 13.5px;
  font-weight: 500;
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  line-height: 1.4;
  transition: color .18s;
}
.zf-footer__nav-link:hover { color: #fff; }

/* Кнопка-ссылка «Реквизиты» — наследует стиль ссылок навигации */
.zf-footer__nav-btn {
  background: none;
  border: none;
  padding: 0;
  cursor: pointer;
  text-align: left;
  display: inline;
}
.zf-footer__nav-btn:hover { color: #fff; }

/* Разделитель */
.zf-footer__divider {
  height: 1px;
  background: rgba(255,255,255,0.07);
  margin: 48px 0 32px;
}
.zf-footer__divider--sm { margin: 28px 0 24px; }

/* Блок дисклеймера и лицензий */
.zf-footer__legal-block { display: flex; flex-direction: column; gap: 16px; }

.zf-footer__legal-text {
  font-family: var(--t-text-font, inherit);
  font-size: 12px;
  font-weight: 400;
  color: rgba(255,255,255,0.28);
  line-height: 1.7;
  margin: 0;
  text-wrap: pretty;
}

.zf-footer__licenses-toggle {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: none;
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 8px;
  padding: 8px 14px;
  cursor: pointer;
  color: rgba(255,255,255,0.38);
  font-family: var(--t-text-font, inherit);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: .3px;
  transition: color .18s, border-color .18s, background .18s;
  align-self: flex-start;
}
.zf-footer__licenses-toggle:hover {
  color: rgba(255,255,255,0.65);
  border-color: rgba(255,255,255,0.22);
  background: rgba(255,255,255,0.04);
}
.zf-footer__licenses-arrow {
  flex-shrink: 0;
  transition: transform .25s ease;
}
.zf-footer__licenses-toggle[aria-expanded="true"] .zf-footer__licenses-arrow {
  transform: rotate(180deg);
}
.zf-footer__licenses-body { overflow: hidden; }
.zf-footer__licenses-body[hidden] { display: none; }
.zf-footer__licenses-text {
  font-family: var(--t-text-font, inherit);
  font-size: 11.5px;
  font-weight: 400;
  color: rgba(255,255,255,0.22);
  line-height: 1.75;
  margin: 12px 0 0;
  padding: 14px 16px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.07);
  border-radius: 10px;
  text-wrap: pretty;
}

/* Нижняя строка */
.zf-footer__bottom {
  display: flex; align-items: center;
  justify-content: space-between;
  flex-wrap: wrap; gap: 8px;
}
.zf-footer__copy {
  font-family: var(--t-text-font, inherit);
  font-size: 12.5px;
  font-weight: 500;
  color: rgba(255,255,255,0.3);
  line-height: 1.6;
}

/* ════════════════════════
   МОДАЛЬНОЕ ОКНО
════════════════════════ */
.zf-modal-overlay {
  position: fixed;
  inset: 0;
  z-index: 9999;
  background: rgba(10, 18, 34, 0.72);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  transition: opacity .25s ease;
}
.zf-modal-overlay.zf-modal-overlay--visible {
  opacity: 1;
}
.zf-modal-overlay[hidden] {
  display: none;
}

.zf-modal {
  background: #fff;
  border-radius: var(--zf-radius, 20px);
  box-shadow: 0 24px 80px rgba(13,24,40,0.28);
  width: 100%;
  max-width: 560px;
  max-height: 90vh;
  overflow-y: auto;
  transform: translateY(20px) scale(0.98);
  transition: transform .28s cubic-bezier(.34,1.4,.64,1);
  overscroll-behavior: contain;
}
.zf-modal-overlay--visible .zf-modal {
  transform: translateY(0) scale(1);
}

.zf-modal__header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  padding: 28px 28px 20px;
  border-bottom: 1px solid var(--zf-border, #e0eaf5);
  position: sticky;
  top: 0;
  background: #fff;
  z-index: 1;
  border-radius: var(--zf-radius, 20px) var(--zf-radius, 20px) 0 0;
}

.zf-modal__title {
  font-family: var(--t-headline-font, 'Montserrat', system-ui, sans-serif);
  font-size: 18px;
  font-weight: 900;
  color: var(--zf-dark, #0d1828);
  letter-spacing: -0.03em;
  line-height: 1.25;
  margin: 0;
}

.zf-modal__close {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: var(--zf-gray-lt, #f2f6fc);
  border: 1.5px solid var(--zf-border, #e0eaf5);
  color: var(--zf-gray, #6b7f97);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background .15s, color .15s, border-color .15s;
  margin-top: 2px;
}
.zf-modal__close:hover {
  background: var(--zf-dark, #0d1828);
  border-color: var(--zf-dark, #0d1828);
  color: #fff;
}

.zf-modal__body {
  padding: 24px 28px 32px;
}

/* Таблица реквизитов */
.zf-req {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 20px;
  margin: 0 0 20px;
}

.zf-req__row {
  background: var(--zf-gray-lt, #f2f6fc);
  border: 1px solid var(--zf-border, #e0eaf5);
  border-radius: var(--zf-radius-sm, 12px);
  padding: 14px 16px;
}
.zf-req__row--full {
  grid-column: 1 / -1;
}

.zf-req__label {
  font-family: var(--t-text-font, inherit);
  font-size: 10.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.9px;
  color: var(--zf-gray, #6b7f97);
  margin-bottom: 5px;
  display: block;
}

.zf-req__val {
  font-family: var(--t-text-font, inherit);
  font-size: 14px;
  font-weight: 600;
  color: var(--zf-dark, #0d1828);
  line-height: 1.5;
  margin: 0;
}

.zf-req__link {
  color: var(--zf-blue, #3e96e7);
  text-decoration: none;
  border-bottom: 1px dashed rgba(62,150,231,0.4);
  transition: border-color .15s;
  word-break: break-all;
}
.zf-req__link:hover { border-color: var(--zf-blue, #3e96e7); }

.zf-req__note {
  font-family: var(--t-text-font, inherit);
  font-size: 12.5px;
  font-weight: 500;
  color: var(--zf-gray, #6b7f97);
  line-height: 1.6;
  margin: 0;
  padding: 14px 16px;
  background: rgba(62,150,231,0.06);
  border: 1px solid rgba(62,150,231,0.18);
  border-radius: var(--zf-radius-sm, 12px);
}

/* ════════════════════════
   АДАПТИВ
════════════════════════ */
@media (max-width: 1200px) {
  .zf-contacts__inner { gap: 48px; }
  .zf-footer__top { gap: 48px; }
}

@media (max-width: 960px) {
  .zf-section { padding: 70px 24px; }
  .zf-contacts__inner { grid-template-columns: 1fr; gap: 40px; }
  .zf-footer__top { grid-template-columns: 1fr; gap: 44px; }
  .zf-footer__nav { grid-template-columns: repeat(3,1fr); }
}

@media (max-width: 640px) {
  .zf-section { padding: 56px 16px; }
  .zf-form__fields { grid-template-columns: 1fr; }
  .zf-form-card__head { padding: 24px 22px 20px; }
  .zf-form { padding: 22px 22px 26px; }
  .zf-footer { padding: 52px 16px 28px; }
  .zf-footer__nav { grid-template-columns: 1fr 1fr; gap: 32px 16px; }
  .zf-footer__divider { margin: 36px 0 26px; }
  .zf-req { grid-template-columns: 1fr; }
  .zf-req__row--full { grid-column: 1; }
  .zf-modal__header { padding: 20px 20px 16px; }
  .zf-modal__body { padding: 18px 20px 26px; }
  .zf-modal__title { font-size: 16px; }
}

@media (max-width: 480px) {
  .zf-h2 { font-size: 24px; }
  .zf-contacts__inner { gap: 32px; }
  .zf-footer__nav { grid-template-columns: 1fr; gap: 28px; }
  .zf-footer__top { gap: 36px; }
  .zf-footer__bottom { flex-direction: column; align-items: flex-start; }
}

@media (prefers-reduced-motion: reduce) {
  .zf-contact-item,
  .zf-submit,
  .zf-footer__social-link,
  .zf-footer__nav-link,
  .zf-footer__licenses-toggle,
  .zf-footer__licenses-arrow,
  .zf-modal-overlay,
  .zf-modal { transition: none; }
}