:root {
  --bg: #f6f2e9;
  --surface: rgba(255, 251, 245, 0.94);
  --surface-strong: #fffdf8;
  --surface-soft: rgba(255, 248, 238, 0.76);
  --text: #1f2430;
  --text-soft: #5f6774;
  --line: rgba(31, 36, 48, 0.12);
  --line-strong: rgba(31, 36, 48, 0.22);
  --cluster: #1d5fd2;
  --cluster-soft: rgba(29, 95, 210, 0.12);
  --cluster-deep: #163b6a;
  --accent: #f05a28;
  --accent-soft: rgba(240, 90, 40, 0.12);
  --success: #2f8b57;
  --warning: #d97a1f;
  --shadow-sm: 0 18px 40px -26px rgba(20, 24, 34, 0.28);
  --shadow-md: 0 34px 78px -34px rgba(20, 24, 34, 0.34);
  --radius-sm: 18px;
  --radius-md: 28px;
  --radius-lg: 40px;
  --container: 1180px;
}

body[data-page-cluster="utility_hub"] {
  --cluster: #1d5fd2;
  --cluster-soft: rgba(29, 95, 210, 0.12);
  --cluster-deep: #163b6a;
}

body[data-page-cluster="risk_source"] {
  --cluster: #a34a15;
  --cluster-soft: rgba(163, 74, 21, 0.12);
  --cluster-deep: #61260d;
}

body[data-page-cluster="transaction"] {
  --cluster: #1f7d54;
  --cluster-soft: rgba(31, 125, 84, 0.12);
  --cluster-deep: #164e39;
}

body[data-page-cluster="brand"] {
  --cluster: #6d4dbf;
  --cluster-soft: rgba(109, 77, 191, 0.12);
  --cluster-deep: #412972;
}

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

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  min-width: 320px;
  color: var(--text);
  background:
    radial-gradient(circle at top left, rgba(255, 215, 140, 0.2), transparent 30%),
    linear-gradient(180deg, #fffdf9 0%, #f6f2e9 100%);
  font: 16px/1.7 "Segoe UI Variable", "Segoe UI", system-ui, sans-serif;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input {
  font: inherit;
}

button {
  border: 0;
}

.container {
  width: min(100% - 24px, var(--container));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  backdrop-filter: blur(16px);
  background: rgba(255, 250, 244, 0.84);
  border-bottom: 1px solid rgba(31, 36, 48, 0.06);
}

.site-header__inner,
.site-footer__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 74px;
}

.site-header__brand {
  display: inline-flex;
  align-items: center;
  gap: 14px;
}

.site-header__brand-mark {
  display: grid;
  place-items: center;
  width: 46px;
  height: 46px;
  border-radius: 16px;
  background: linear-gradient(140deg, var(--cluster), var(--accent));
  color: #fff;
  font-weight: 800;
  box-shadow: var(--shadow-sm);
}

.site-header__brand-copy {
  display: grid;
  gap: 2px;
}

.site-header__brand-copy strong,
.site-footer strong {
  font-size: 15px;
  letter-spacing: 0.02em;
}

.site-header__brand-copy small,
.site-footer p,
.breadcrumbs,
.section-heading__eyebrow,
.router__status,
.preview-card__label,
.feature-card__kicker {
  color: var(--text-soft);
}

.site-header__nav,
.site-footer__nav,
.hero__actions,
.router__actions,
.share-panel,
.sticky-bar__actions,
.osago-widget-placeholder__actions,
.offer-card__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.site-header__nav a,
.site-footer__nav a {
  font-weight: 700;
}

.trust-ribbon {
  border-bottom: 1px solid rgba(31, 36, 48, 0.06);
  background: rgba(255, 251, 246, 0.78);
}

.trust-ribbon__inner {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  padding: 12px 0;
}

.trust-ribbon__item,
.hero__sources span,
.router__chip,
.offer-card__badge {
  display: inline-flex;
  align-items: center;
  min-height: 34px;
  padding: 0 14px;
  border-radius: 999px;
  border: 1px solid rgba(31, 36, 48, 0.08);
  background: var(--surface-soft);
  font-size: 13px;
  font-weight: 700;
}

.hero {
  padding: 30px 0 6px;
}

.hero__inner {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(320px, 430px);
  gap: 22px;
  align-items: stretch;
}

.hero__content,
.hero__panel-card,
.article-card,
.feature-card,
.preview-card,
.offer-card,
.trust-card,
.related-card,
.home-cluster-card {
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--surface);
  box-shadow: var(--shadow-sm);
}

.hero__content {
  position: relative;
  overflow: hidden;
  padding: 32px;
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.92), rgba(249, 242, 230, 0.78)),
    radial-gradient(circle at top right, var(--cluster-soft), transparent 36%);
}

.hero__content::after {
  content: "";
  position: absolute;
  inset: auto 24px 24px auto;
  width: 120px;
  height: 120px;
  border-radius: 24px;
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.18), rgba(255, 255, 255, 0)),
    linear-gradient(135deg, rgba(31, 36, 48, 0.03), rgba(31, 36, 48, 0));
  border: 1px solid rgba(255, 255, 255, 0.24);
  transform: rotate(10deg);
}

.hero__eyebrow,
.section-heading__eyebrow {
  margin: 0 0 12px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.hero__eyebrow,
.section-heading__eyebrow,
.preview-card__label,
.feature-card__kicker {
  color: var(--cluster-deep);
}

.breadcrumbs {
  margin: 0 0 16px;
  font-size: 13px;
}

.hero__title,
.section-heading h2,
.offer-card__title,
.feature-card__title,
.trust-card__title,
.related-card__title,
.checklist h3,
.hero__panel-title,
.osago-widget-placeholder__title {
  margin: 0;
  line-height: 1.06;
  letter-spacing: -0.04em;
  font-family: Georgia, "Times New Roman", serif;
}

.hero__title {
  max-width: 11ch;
  font-size: clamp(36px, 5vw, 68px);
}

.hero__lead,
.article-card__intro,
.site-footer p,
.offer-card__copy,
.trust-card__copy,
.related-card__copy,
.preview-card__copy,
.osago-widget-placeholder__text {
  margin: 16px 0 0;
  color: var(--text-soft);
}

.hero__promise {
  display: grid;
  gap: 10px;
  margin: 22px 0 0;
  padding: 0;
  list-style: none;
}

.hero__promise li,
.router__outcomes li {
  position: relative;
  padding-left: 22px;
}

.hero__promise li::before,
.router__outcomes li::before {
  content: "";
  position: absolute;
  top: 10px;
  left: 0;
  width: 8px;
  height: 8px;
  border-radius: 999px;
  background: var(--cluster);
}

.hero__actions {
  margin-top: 24px;
}

.hero__sources {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 22px;
}

.hero__panel-card,
.article-card,
.offer-card {
  padding: 24px;
}

.hero__panel-card {
  height: 100%;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.96), rgba(255, 248, 238, 0.94));
}

.router {
  display: grid;
  gap: 14px;
}

.router__label {
  font-weight: 700;
}

.router__input {
  width: 100%;
  min-height: 58px;
  padding: 0 16px;
  border: 1px solid var(--line-strong);
  border-radius: 18px;
  background: #fff;
  color: var(--text);
}

.router__input:focus {
  outline: 2px solid rgba(29, 95, 210, 0.18);
  border-color: rgba(29, 95, 210, 0.48);
}

.router__quick {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.router__chip {
  cursor: pointer;
  background: rgba(255, 255, 255, 0.98);
}

.router__outcomes {
  display: grid;
  gap: 10px;
  margin: 6px 0 0;
  padding: 14px 16px;
  list-style: none;
  border-radius: var(--radius-sm);
  background: var(--cluster-soft);
}

.button,
.osago-widget-fallback,
.osago-widget-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 0 18px;
  border-radius: 18px;
  font-weight: 800;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background-color 0.2s ease;
}

.button:hover,
.osago-widget-fallback:hover,
.osago-widget-secondary:hover {
  transform: translateY(-1px);
}

.button--primary,
.osago-widget-fallback {
  background: var(--cluster);
  color: #fff;
  box-shadow: 0 16px 34px -20px rgba(0, 0, 0, 0.35);
}

.button--ghost,
.osago-widget-secondary {
  background: rgba(255, 255, 255, 0.98);
  color: var(--text);
  border: 1px solid var(--line-strong);
}

.button--accent {
  background: var(--accent);
  color: #fff;
}

.page-section {
  padding: 18px 0;
}

.page-section--cards,
.page-section--preview,
.page-section--accent {
  padding-top: 8px;
}

.section-heading {
  display: grid;
  gap: 12px;
  margin-bottom: 18px;
}

.feature-grid,
.preview-grid,
.trust-grid,
.offer-stack,
.related-grid,
.home-clusters {
  display: grid;
  gap: 16px;
}

.feature-grid,
.preview-grid,
.related-grid,
.home-clusters {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.feature-card,
.preview-card,
.trust-card,
.related-card,
.home-cluster-card {
  padding: 22px;
}

.feature-card__title {
  font-size: 24px;
}

.preview-card__copy {
  margin-top: 10px;
}

.home-cluster-card,
.extra-panel {
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.96), rgba(248, 242, 232, 0.88)),
    linear-gradient(135deg, var(--cluster-soft), rgba(255, 255, 255, 0));
}

.article-shell {
  max-width: 1080px;
}

.article-card__columns {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  margin-top: 24px;
}

.checklist {
  padding: 18px;
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.7);
  border: 1px solid rgba(31, 36, 48, 0.08);
}

.checklist--soft {
  background: rgba(249, 242, 230, 0.82);
}

.checklist__list,
.offer-card__mini-list {
  margin: 14px 0 0;
  padding-left: 20px;
}

.checklist__list li + li,
.offer-card__mini-list li + li {
  margin-top: 10px;
}

.extra-panel {
  margin-top: 22px;
  padding: 20px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--line);
}

.offer-stack {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.offer-card {
  position: relative;
  overflow: hidden;
}

.offer-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  background: linear-gradient(90deg, var(--cluster), var(--accent));
}

.offer-card--osago::before {
  background: linear-gradient(90deg, var(--success), var(--cluster));
}

.offer-card__mini-list {
  color: var(--text-soft);
}

.faq-list {
  display: grid;
  gap: 12px;
}

.faq-item {
  border: 1px solid var(--line);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.95);
  overflow: hidden;
}

.faq-item summary {
  cursor: pointer;
  list-style: none;
  padding: 18px 20px;
  font-weight: 700;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item[open] summary {
  border-bottom: 1px solid var(--line);
}

.faq-item__answer {
  padding: 16px 20px 20px;
  color: var(--text-soft);
}

.osago-widget-container {
  margin-top: 18px;
  border: 1px solid rgba(31, 36, 48, 0.08);
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.82);
}

.osago-widget-placeholder {
  display: grid;
  gap: 18px;
  padding: 20px;
}

.osago-widget-placeholder__eyebrow {
  margin: 0;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--cluster-deep);
}

.osago-widget-placeholder__actions {
  margin-top: 6px;
}

.site-footer {
  margin-top: 32px;
  padding-bottom: 102px;
  border-top: 1px solid var(--line);
}

.site-footer__inner {
  min-height: 90px;
}

.sticky-bar {
  position: fixed;
  inset: auto 0 0 0;
  z-index: 45;
  padding: 12px 0 calc(12px + env(safe-area-inset-bottom));
  border-top: 1px solid rgba(31, 36, 48, 0.08);
  backdrop-filter: blur(18px);
  background: rgba(255, 250, 244, 0.92);
}

.sticky-bar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.sticky-bar__title {
  margin: 0;
  font-weight: 700;
}

@media (max-width: 1023px) {
  .hero__inner,
  .feature-grid,
  .preview-grid,
  .article-card__columns,
  .offer-stack,
  .trust-grid,
  .related-grid,
  .home-clusters {
    grid-template-columns: 1fr;
  }

  .site-header__inner,
  .site-footer__inner,
  .sticky-bar__inner {
    flex-direction: column;
    align-items: flex-start;
    justify-content: center;
    padding: 14px 0;
  }

  .hero {
    padding-top: 20px;
  }

  .site-footer {
    padding-bottom: 132px;
  }
}

@media (max-width: 640px) {
  .hero__content,
  .hero__panel-card,
  .article-card,
  .offer-card,
  .feature-card,
  .preview-card,
  .trust-card,
  .related-card,
  .home-cluster-card {
    padding: 20px;
  }

  .hero__title {
    max-width: none;
    font-size: 38px;
  }

  .button,
  .osago-widget-fallback,
  .osago-widget-secondary {
    width: 100%;
  }

  .site-header__nav,
  .site-footer__nav,
  .hero__actions,
  .router__actions,
  .share-panel,
  .osago-widget-placeholder__actions,
  .offer-card__actions,
  .sticky-bar__actions {
    width: 100%;
  }
}