/* MFO KZ Витрина v2 — светлая финансовая тема */
:root{
  --bg:#FFFFFF; --panel:#F7F9FB; --card:#FFFFFF; --border:#E5E9EE;
  --text:#1A2233; --muted:#6B7280; --label:#9AA5AE;
  --primary:#0066CC; --primary-h:#0052A3;
  --accent:#1A8754; --accent-h:#136A40;
  --warn:#FFA000; --err:#DC3545; --info:#0DCAF0;
  --shadow:0 1px 3px rgba(16,24,40,.04), 0 1px 2px rgba(16,24,40,.06);
  --shadow-md:0 4px 8px rgba(16,24,40,.06), 0 2px 4px rgba(16,24,40,.08);
  --shadow-lg:0 12px 24px rgba(16,24,40,.06), 0 4px 12px rgba(16,24,40,.04);
  --radius:12px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  background:var(--bg);color:var(--text);
  font-family:-apple-system,BlinkMacSystemFont,"Inter","Segoe UI",Roboto,Arial,sans-serif;
  font-size:16px;line-height:1.55;-webkit-font-smoothing:antialiased;
}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{font-weight:700;line-height:1.2;color:var(--text)}
h1{font-size:32px;margin:0 0 16px}
h2{font-size:24px;margin:32px 0 16px}
h3{font-size:18px;margin:20px 0 8px}
p{margin:0 0 12px}
ul,ol{margin:0 0 16px 20px}
li{margin-bottom:6px}

/* container */
.container{max-width:1180px;margin:0 auto;padding:0 16px}
.narrow{max-width:760px;margin:0 auto;padding:0 16px}

/* header */
header.site{
  background:var(--bg);border-bottom:1px solid var(--border);
  padding:14px 0;position:sticky;top:0;z-index:50;box-shadow:var(--shadow);
}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px}
.brand{font-size:22px;font-weight:800;letter-spacing:-.3px;color:var(--text)}
.brand span{color:var(--accent)}
.nav-links{display:flex;gap:22px;font-size:15px;flex:1;margin-left:32px}
.nav-links a{color:var(--text);font-weight:500;padding:6px 0}
.nav-links a:hover{color:var(--primary);text-decoration:none}
.lang{display:flex;gap:6px;font-size:13px;align-items:center}
.lang a{padding:5px 10px;border-radius:6px;color:var(--muted)}
.lang a.active{background:var(--panel);color:var(--text);font-weight:600}

/* burger menu for mobile */
.burger{display:none;width:32px;height:32px;cursor:pointer;background:transparent;border:0;flex-direction:column;justify-content:center;gap:5px;padding:0}
.burger span{display:block;width:24px;height:2px;background:var(--text);transition:transform .2s,opacity .2s}
.burger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger.open span:nth-child(2){opacity:0}
.burger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media(max-width:700px){
  .nav-links{display:none;position:absolute;top:60px;left:0;right:0;background:var(--bg);flex-direction:column;padding:16px 20px;gap:8px;border-bottom:1px solid var(--border);box-shadow:var(--shadow-md)}
  .nav-links.open{display:flex}
  .burger{display:flex}
}

/* hero */
.hero{padding:48px 0 32px;text-align:center;background:linear-gradient(180deg,#F7F9FB 0%,#FFFFFF 100%)}
.hero h1{font-size:38px;margin-bottom:14px;letter-spacing:-.5px}
.hero .lead{font-size:18px;color:var(--muted);margin-bottom:24px;max-width:720px;margin-left:auto;margin-right:auto}
.hero .cta{
  display:inline-block;padding:16px 36px;background:var(--accent);
  color:#FFF;border-radius:10px;font-weight:700;font-size:17px;border:0;cursor:pointer;
  transition:background .15s,transform .1s,box-shadow .15s;box-shadow:var(--shadow-md);
}
.hero .cta:hover{background:var(--accent-h);transform:translateY(-1px);text-decoration:none;box-shadow:var(--shadow-lg)}
.hero .trust{display:flex;gap:24px;justify-content:center;margin-top:28px;font-size:14px;color:var(--muted);flex-wrap:wrap}
.hero .trust span::before{content:"✓ ";color:var(--accent);font-weight:700}

/* filter bar */
.filter-bar{
  background:var(--card);border:1px solid var(--border);border-radius:var(--radius);
  padding:18px;margin:24px 0;box-shadow:var(--shadow);
  display:grid;grid-template-columns:1fr;gap:12px;
}
@media(min-width:720px){ .filter-bar{grid-template-columns:1fr 1fr 1fr auto} }
.filter-bar label{display:block;color:var(--label);font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.5px;margin-bottom:4px}
.filter-bar select,.filter-bar input{
  width:100%;padding:10px 12px;background:var(--bg);border:1px solid var(--border);border-radius:8px;
  font-size:14px;color:var(--text);font-family:inherit;outline:none;
}
.filter-bar select:focus,.filter-bar input:focus{border-color:var(--primary)}
.filter-bar .reset{
  display:flex;align-items:flex-end;
}
.filter-bar .reset button{
  padding:10px 16px;background:transparent;border:1px solid var(--border);color:var(--muted);
  border-radius:8px;cursor:pointer;font-size:14px;font-weight:500;
}
.filter-bar .reset button:hover{border-color:var(--primary);color:var(--primary)}

/* MFO list / catalog */
.mfo-grid{display:grid;grid-template-columns:1fr;gap:16px;margin:24px 0}
@media(min-width:680px){ .mfo-grid{grid-template-columns:1fr 1fr} }
@media(min-width:1024px){ .mfo-grid{grid-template-columns:1fr 1fr 1fr} }
.mfo-card{
  background:var(--card);border:1px solid var(--border);border-radius:var(--radius);
  padding:20px;display:flex;flex-direction:column;gap:10px;transition:all .15s;
  box-shadow:var(--shadow);position:relative;
}
.mfo-card:hover{border-color:var(--primary);box-shadow:var(--shadow-lg);transform:translateY(-2px)}
.mfo-head{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:4px}
.mfo-logo{font-size:20px;font-weight:800;color:var(--text);letter-spacing:-.3px}
.mfo-badge{font-size:11px;padding:4px 10px;background:rgba(26,135,84,.1);color:var(--accent);border-radius:6px;font-weight:600;text-transform:uppercase;letter-spacing:.3px}
.mfo-badge.gray{background:rgba(107,114,128,.1);color:var(--muted)}
.mfo-badge.warn{background:rgba(255,160,0,.1);color:var(--warn)}
.mfo-meta{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px;font-size:12px;color:var(--label);margin:8px 0 12px}
.mfo-meta b{display:block;color:var(--text);font-size:15px;font-weight:700;margin-bottom:2px}
.mfo-license{font-size:11px;color:var(--muted);background:var(--panel);padding:4px 8px;border-radius:6px;display:inline-block;margin-top:auto}
.mfo-card .cta-row{display:flex;gap:8px;margin-top:auto;padding-top:8px}
.btn{
  display:inline-block;padding:11px 18px;border-radius:8px;font-weight:600;font-size:14px;
  text-align:center;cursor:pointer;border:0;font-family:inherit;transition:all .15s;
}
.btn-primary{background:var(--accent);color:#FFF;flex:2}
.btn-primary:hover{background:var(--accent-h);color:#FFF;text-decoration:none;transform:translateY(-1px)}
.btn-secondary{background:var(--bg);color:var(--primary);border:1px solid var(--border);flex:1}
.btn-secondary:hover{border-color:var(--primary);background:var(--panel);text-decoration:none}

/* compare bar (sticky bottom) */
.compare-bar{
  position:fixed;bottom:0;left:0;right:0;background:var(--card);border-top:1px solid var(--border);
  padding:12px 16px;display:none;justify-content:space-between;align-items:center;gap:12px;
  box-shadow:0 -4px 16px rgba(16,24,40,.08);z-index:40;
}
.compare-bar.show{display:flex}
.compare-bar .selected{font-size:14px;color:var(--text)}
.compare-bar .selected b{color:var(--primary)}

/* calculator */
.calc{background:var(--panel);border:1px solid var(--border);border-radius:var(--radius);padding:24px;margin:24px 0;box-shadow:var(--shadow)}
.calc-row{display:grid;grid-template-columns:1fr;gap:16px;margin-bottom:16px}
@media(min-width:600px){ .calc-row{grid-template-columns:1fr 1fr} }
.calc-field label{display:block;color:var(--label);font-size:13px;margin-bottom:6px;font-weight:500}
.calc-field label strong{color:var(--text);font-weight:700}
.calc-field input[type=number],.calc-field input[type=range]{width:100%}
.calc-field input[type=number]{
  padding:12px 14px;background:var(--bg);border:1px solid var(--border);border-radius:8px;
  color:var(--text);font-size:16px;outline:none;font-family:inherit;
}
.calc-field input[type=number]:focus,.calc-field input[type=range]:focus{outline:2px solid var(--primary)}
.calc-field input[type=range]{accent-color:var(--accent);height:6px}
.calc-result{background:var(--bg);border:1px solid var(--border);border-radius:10px;padding:20px;text-align:center;margin-top:12px}
.calc-result .big{font-size:32px;font-weight:800;color:var(--accent);margin-bottom:4px;letter-spacing:-.5px}
.calc-result .small{color:var(--muted);font-size:13px}

/* content sections */
.section{padding:36px 0;border-bottom:1px solid var(--border)}
.section:last-child{border-bottom:0}
.section h2{font-size:26px}
.faq-item{background:var(--card);border:1px solid var(--border);border-radius:10px;padding:16px 18px;margin-bottom:10px;box-shadow:var(--shadow)}
.faq-q{font-weight:600;margin-bottom:6px;color:var(--text);font-size:16px}
.faq-a{color:var(--muted);font-size:15px}

/* reviews */
.reviews-grid{display:grid;grid-template-columns:1fr;gap:14px;margin:24px 0}
@media(min-width:720px){ .reviews-grid{grid-template-columns:1fr 1fr} }
.review-card{background:var(--card);border:1px solid var(--border);border-radius:10px;padding:16px;box-shadow:var(--shadow)}
.review-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px;font-size:14px}
.review-head .name{font-weight:600;color:var(--text)}
.review-head .stars{color:var(--warn);font-size:13px}
.review-mfo{font-size:12px;color:var(--muted);margin-bottom:6px}
.review-body{font-size:14px;color:var(--text);line-height:1.55}
.review-date{font-size:11px;color:var(--label);margin-top:8px}

/* trust block */
.trust-block{
  background:var(--panel);border-radius:var(--radius);padding:24px;margin:24px 0;
  border:1px solid var(--border);
}
.trust-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px}
.trust-item{display:flex;gap:12px;align-items:flex-start}
.trust-item .icon{font-size:24px;color:var(--accent);flex-shrink:0}
.trust-item .text{font-size:14px;color:var(--muted)}
.trust-item .text b{display:block;color:var(--text);margin-bottom:2px}

/* footer */
footer.site{
  background:var(--panel);border-top:1px solid var(--border);padding:36px 0 24px;
  font-size:13px;color:var(--muted);margin-top:48px;
}
.foot-grid{display:grid;grid-template-columns:1fr;gap:24px}
@media(min-width:720px){ .foot-grid{grid-template-columns:2fr 1fr 1fr 1fr} }
.foot-grid h4{color:var(--text);font-size:14px;margin-bottom:10px;font-weight:700}
.foot-grid a{color:var(--muted);display:block;margin-bottom:4px;padding:2px 0}
.foot-grid a:hover{color:var(--primary)}
.foot-disclaimer{margin-top:28px;padding-top:20px;border-top:1px solid var(--border);font-size:12px;line-height:1.6;color:var(--label)}
.foot-meta{font-size:11px;color:var(--label);margin-top:12px;display:flex;gap:12px;flex-wrap:wrap}
.foot-meta span{padding:3px 8px;background:var(--bg);border:1px solid var(--border);border-radius:4px}

/* updated badge */
.updated{font-size:12px;color:var(--muted);background:var(--panel);padding:4px 10px;border-radius:6px;display:inline-block;margin-bottom:12px}
.updated::before{content:"🕒 ";margin-right:2px}

/* author */
.author{display:flex;gap:12px;align-items:center;background:var(--panel);padding:14px;border-radius:10px;margin:20px 0;font-size:14px}
.author .avatar{width:42px;height:42px;border-radius:50%;background:var(--primary);color:#FFF;display:flex;align-items:center;justify-content:center;font-weight:700;flex-shrink:0}
.author .name{font-weight:600;color:var(--text)}
.author .meta{font-size:12px;color:var(--muted)}

/* compliance / АРРФР disclaimer */
.disclaimer{
  background:rgba(255,160,0,.07);border:1px solid rgba(255,160,0,.25);
  border-radius:10px;padding:14px 16px;margin:18px 0;font-size:13px;color:var(--text);
}
.disclaimer b{color:var(--warn)}

/* hide elements when filtered */
.mfo-card.hidden{display:none}