/* Общая обёртка для всех "page-section" страниц */
.page-section { padding: 56px 0 96px; }
.page-header { max-width: 820px; margin-bottom: 40px; }
.page-header h1 {
    font-family: var(--font-display);
    font-size: clamp(32px, 4vw, 48px);
    font-weight: 700;
    letter-spacing: -0.04em;
    line-height: 1.1;
    margin: 12px 0 16px;
}
.page-lead { font-size: 17px; color: var(--ink-soft); line-height: 1.55; }
.page-h2 {
    font-family: var(--font-display);
    font-size: 28px; font-weight: 600;
    letter-spacing: -0.03em;
    margin: 56px 0 24px;
}

.crumbs { font-size: 13px; color: var(--ink-muted); margin-bottom: 16px; }
.crumbs a { color: var(--ink-soft); }
.crumbs a:hover { color: var(--accent); }
.crumbs span { color: var(--ink); font-weight: 500; }

.mfo-list-toolbar,
.js-filter-toolbar {
    display: flex; gap: 18px; align-items: center; flex-wrap: wrap;
    margin-bottom: 20px;
    padding: 14px 18px;
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    font-size: 14px; color: var(--ink-soft); font-weight: 500;
}
.js-filter-label { color: var(--ink-muted); font-weight: 600; }
.js-filter-toolbar label {
    display: inline-flex; align-items: center; gap: 8px;
    cursor: pointer;
    transition: color 0.15s;
}
.js-filter-toolbar label:hover { color: var(--ink); }
.js-filter-toolbar input[type=checkbox] {
    width: 16px; height: 16px; accent-color: var(--accent);
}
.js-filter-counter { margin-left: auto; color: var(--ink-muted); font-size: 13px; }
@media (max-width: 520px) {
    .mfo-list-toolbar,
    .js-filter-toolbar { gap: 10px 14px; padding: 12px 14px; font-size: 13px; }
    .js-filter-counter { margin-left: 0; width: 100%; font-size: 12px; }
}

/* СПИСОК МФО */
.mfo-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 20px;
}
.mfo-tile {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 24px;
    display: flex; flex-direction: column; gap: 14px;
    transition: all 0.2s;
}
.mfo-tile:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); border-color: var(--accent-soft); }
.mfo-tile-head { display: flex; gap: 14px; align-items: center; }
.mfo-tile-name { font-family: var(--font-display); font-size: 20px; font-weight: 600; letter-spacing: -0.03em; margin-bottom: 4px; }
.mfo-tile-name a { transition: color 0.2s; }
.mfo-tile-name a:hover { color: var(--accent); }
.mfo-tile-rating { font-size: 13px; color: var(--ink-soft); font-weight: 600; }
.mfo-tile-rating .star { color: var(--gold); }
.mfo-tile-rating small { color: var(--ink-muted); font-weight: 500; }
.mfo-tile-rating--empty { color: var(--ink-muted); font-weight: 400; }
.mfo-tile-desc { color: var(--ink-soft); font-size: 14px; line-height: 1.5; }
.mfo-tile-foot {
    display: flex; justify-content: space-between; align-items: center;
    padding-top: 14px; margin-top: auto;
    border-top: 1px solid var(--line);
}
.mfo-tile-loans { font-size: 13px; color: var(--ink-muted); font-weight: 600; }

/* ДЕТАЛЬНАЯ МФО */
.mfo-hero {
    display: flex; gap: 24px; align-items: flex-start;
    padding: 32px;
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    margin-bottom: 40px;
}
.mfo-logo--big { width: 88px; height: 88px; font-size: 36px; flex-shrink: 0; }
.mfo-logo--md { width: 56px; height: 56px; font-size: 22px; flex-shrink: 0; }
.mfo-hero-text h1 {
    font-family: var(--font-display);
    font-size: clamp(28px, 3vw, 40px);
    font-weight: 700;
    letter-spacing: -0.04em;
    margin: 0 0 8px;
}
.mfo-hero-meta { display: flex; flex-wrap: wrap; gap: 16px; align-items: center; margin: 12px 0; }
.mfo-website { font-size: 14px; color: var(--accent); font-weight: 600; }
.mfo-website:hover { text-decoration: underline; }

/* СПИСОК КАТАЛОГОВ */
.catalogs-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
    gap: 16px;
}
.catalog-tile {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 24px;
    display: flex; flex-direction: column; gap: 12px;
    transition: all 0.2s;
}
.catalog-tile:hover {
    background: var(--accent);
    color: var(--bg);
    border-color: var(--accent);
    transform: translateY(-2px);
}
.catalog-tile-title {
    font-family: var(--font-display);
    font-size: 19px; font-weight: 600;
    letter-spacing: -0.03em;
}
.catalog-tile-desc { font-size: 14px; line-height: 1.5; opacity: 0.9; }
.catalog-tile-cta { font-size: 13px; font-weight: 700; margin-top: auto; }

/* СТАТИЧЕСКИЕ СТРАНИЦЫ */
.page-content { max-width: 760px; font-size: 16px; color: var(--ink-soft); line-height: 1.7; }
.page-content h3 {
    font-family: var(--font-display);
    font-size: 20px; font-weight: 600;
    color: var(--ink);
    letter-spacing: -0.02em;
    margin: 32px 0 12px;
}
.page-content p { margin-bottom: 16px; }
.page-content ul, .page-content ol { margin: 0 0 20px 22px; }
.page-content li { margin-bottom: 8px; }
.page-content a { color: var(--accent); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 3px; }
.page-content a:hover { color: var(--accent-hover); }
.page-content strong { color: var(--ink); font-weight: 700; }

/* СООБЩЕНИЯ И ФОРМА ОТЗЫВА */
.messages { margin-bottom: 24px; }
.alert {
    padding: 14px 18px;
    border-radius: var(--radius);
    font-size: 14px;
    border: 1px solid var(--line);
    background: var(--bg-card);
}
.alert--success { background: var(--accent-soft); color: var(--accent); border-color: var(--accent-soft); }
.alert--error { background: #fde7e0; color: var(--warning); border-color: #fde7e0; }

.review-form-wrap {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: 28px;
    margin-top: 40px;
    margin-bottom: 32px;
}
.review-form-title {
    font-family: var(--font-display);
    font-size: 19px; font-weight: 600;
    letter-spacing: -0.03em;
    margin-bottom: 18px;
}
.review-form .form-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr;
    gap: 16px;
    margin-bottom: 16px;
}
.review-form .form-row { margin-bottom: 16px; }
.review-form .form-row:last-of-type { margin-bottom: 18px; }
.review-form .form-grid .form-row { margin-bottom: 0; }
.review-form label {
    display: block;
    font-size: 12px; font-weight: 600;
    color: var(--ink-muted);
    margin-bottom: 6px;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}
.review-form input[type="text"],
.review-form select,
.review-form textarea {
    width: 100%;
    padding: 12px 14px;
    border: 1px solid var(--line);
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 14px;
    background: var(--bg);
    transition: border-color 0.15s, box-shadow 0.15s;
}
.review-form input[type="text"]:focus,
.review-form select:focus,
.review-form textarea:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 3px var(--accent-soft);
}
.review-form textarea { resize: vertical; min-height: 100px; }

/* honeypot — невидимое поле, ловит ботов */
.hp-field {
    position: absolute !important;
    left: -9999px !important;
    width: 1px !important; height: 1px !important;
    opacity: 0 !important; pointer-events: none !important;
}

/* Звёзды-рейтинг в форме */
.rating-stars { display: inline-flex; gap: 4px; align-items: center; }
.rating-star {
    background: none; border: 0; padding: 4px;
    font-size: 32px; line-height: 1;
    color: var(--line);
    cursor: pointer;
    transition: color 0.12s, transform 0.12s;
}
.rating-star:hover, .rating-star.is-hover { transform: scale(1.1); }
.rating-star.is-active { color: var(--gold); }
.review-form .btn-primary { max-width: 240px; }
.form-error { color: var(--warning); font-size: 13px; margin-top: 6px; }
.form-note { color: var(--ink-muted); font-size: 13px; margin-top: 12px; }
@media (max-width: 520px) {
    .review-form-wrap { padding: 22px 18px; margin-top: 28px; }
    .review-form .form-grid { grid-template-columns: 1fr; gap: 14px; }
    .review-form .btn-primary { max-width: 100%; width: 100%; }
    .rating-star { font-size: 28px; padding: 6px; }
}

/* МФО FAQ */
.mfo-faq {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    overflow: hidden;
    margin-bottom: 24px;
}
.mfo-faq-item { border-top: 1px solid var(--line); }
.mfo-faq-item:first-child { border-top: 0; }
.mfo-faq-item summary {
    list-style: none; cursor: pointer;
    padding: 18px 24px;
    font-family: var(--font-display);
    font-size: 16px; font-weight: 600;
    letter-spacing: -0.02em;
    display: flex; align-items: center; justify-content: space-between;
    transition: background 0.12s;
}
.mfo-faq-item summary::-webkit-details-marker { display: none; }
.mfo-faq-item summary::after {
    content: '+';
    font-family: var(--font-body);
    font-size: 22px; font-weight: 400;
    color: var(--ink-muted);
    transition: transform 0.2s;
    margin-left: 16px;
}
.mfo-faq-item[open] summary::after { transform: rotate(45deg); color: var(--accent); }
.mfo-faq-item[open] summary { padding-bottom: 14px; }
.mfo-faq-item summary:hover { background: var(--bg-soft); }
.mfo-faq-body {
    margin: 0 24px;
    padding: 16px 0 22px;
    border-top: 1px solid var(--line);
    font-size: 14px; line-height: 1.65;
    color: var(--ink-soft);
}
.mfo-faq-body p { margin: 0 0 10px; }
.mfo-faq-body p:last-child { margin-bottom: 0; }
@media (max-width: 520px) {
    .mfo-faq-item summary { padding: 14px 16px; font-size: 15px; gap: 10px; }
    .mfo-faq-item summary::after { font-size: 20px; margin-left: 8px; }
    .mfo-faq-item[open] summary { padding-bottom: 10px; }
    .mfo-faq-body { margin: 0 16px; padding: 12px 0 18px; font-size: 13px; }
}
.mfo-faq-body ol, .mfo-faq-body ul { margin: 8px 0 8px 22px; }
.mfo-faq-body a { color: var(--accent); text-decoration: underline; }

/* СРАВНЕНИЕ */
.compare-table {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    overflow: hidden;
}
.compare-row {
    display: grid;
    grid-template-columns: 200px repeat(auto-fit, minmax(180px, 1fr));
    border-top: 1px solid var(--line);
}
.compare-row:first-child { border-top: 0; }
.compare-row--header { background: var(--bg); }
.compare-cell {
    padding: 14px 18px;
    border-left: 1px solid var(--line);
    font-size: 14px; color: var(--ink);
    display: flex; align-items: center;
}
.compare-cell:first-child { border-left: 0; }
.compare-cell--label {
    color: var(--ink-muted); font-weight: 600; font-size: 13px;
    background: var(--bg);
}
.compare-cell--head {
    flex-direction: column; align-items: flex-start; gap: 8px;
    padding: 18px;
}
.compare-mfo { font-family: var(--font-display); font-weight: 600; font-size: 16px; }
.compare-mfo:hover { color: var(--accent); }
.compare-loan-name { font-size: 13px; color: var(--ink-soft); }
.compare-row--actions .compare-cell { background: var(--bg); }
.compare-row--actions .btn-apply { width: 100%; padding: 10px 16px; font-size: 13px; }
.star { color: var(--gold); margin-right: 4px; }
@media (max-width: 800px) {
    .compare-table { overflow-x: auto; -webkit-overflow-scrolling: touch; }
    .compare-row { grid-template-columns: 120px repeat(3, 150px); }
    .compare-cell { padding: 10px 12px; font-size: 13px; }
    .compare-cell--label { font-size: 12px; }
    .compare-cell--head { padding: 14px 12px; }
    .compare-mfo { font-size: 14px; }
    .compare-loan-name { font-size: 12px; }
}
@media (max-width: 480px) {
    .compare-row { grid-template-columns: 100px repeat(3, 130px); }
    .compare-cell { padding: 8px 10px; font-size: 12px; }
    .compare-cell .mfo-logo--md { width: 40px; height: 40px; font-size: 16px; }
}

/* ТЕГИ */
.tag-cloud { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 28px; }
.tag-chip {
    display: inline-flex; align-items: center;
    padding: 7px 14px;
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 100px;
    font-size: 13px; color: var(--ink-soft); font-weight: 600;
    transition: all 0.15s;
}
.tag-chip:hover { background: var(--ink); color: var(--bg); border-color: var(--ink); }
.tag-chip.is-active { background: var(--accent); color: var(--bg); border-color: var(--accent); }
.tag-chip--mini { padding: 3px 9px; font-size: 11px; font-weight: 600; }
.article-tags { display: flex; flex-wrap: wrap; gap: 4px; margin: 4px 0; }

/* ЖУРНАЛ */
.page-section--soft { background: var(--bg-soft); border-top: 1px solid var(--line); }
.articles-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 20px;
}
.article-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    overflow: hidden;
    display: flex; flex-direction: column;
    transition: all 0.2s;
}
.article-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); border-color: var(--accent-soft); }
.article-cover {
    height: 180px;
    background: linear-gradient(135deg, var(--accent-soft), var(--bg-soft));
    display: flex; align-items: center; justify-content: center;
    overflow: hidden;
}
.article-cover img { width: 100%; height: 100%; object-fit: cover; }
.article-emoji { font-size: 60px; color: var(--ink-muted); }
.article-emoji svg { width: 56px; height: 56px; }
.article-body { padding: 20px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
.article-title {
    font-family: var(--font-display);
    font-size: 18px; font-weight: 600;
    letter-spacing: -0.03em;
    line-height: 1.25;
}
.article-excerpt { font-size: 14px; color: var(--ink-soft); line-height: 1.5; flex: 1; }
.article-meta { font-size: 12px; color: var(--ink-muted); display: flex; gap: 6px; margin-top: auto; padding-top: 8px; }

.share-bar {
    display: flex; flex-wrap: wrap; gap: 10px; align-items: center;
    margin: 32px 0 8px;
    padding: 16px 20px;
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: var(--radius);
}
.share-label { font-size: 13px; color: var(--ink-muted); font-weight: 600; margin-right: 4px; }
.share-btn {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 8px 16px;
    background: var(--bg-soft); color: var(--ink);
    border: 1px solid transparent; border-radius: 100px;
    font-size: 13px; font-weight: 600;
    cursor: pointer;
    transition: all 0.15s;
    font-family: var(--font-body);
}
.share-btn:hover { background: var(--ink); color: var(--bg); }
.share-btn.is-success { background: var(--accent-soft); color: var(--accent); }

.article-hero-cover {
    margin: 24px 0 32px;
    border-radius: var(--radius-lg);
    overflow: hidden;
    max-height: 420px;
}
.article-hero-cover img { width: 100%; height: auto; display: block; }
.article-body--detail h3 { margin-top: 32px; }
.article-body--detail h2 {
    font-family: var(--font-display);
    font-size: 26px; font-weight: 600;
    color: var(--ink); margin: 36px 0 16px;
    letter-spacing: -0.03em;
}
.article-body--detail blockquote {
    border-left: 4px solid var(--accent);
    padding: 8px 0 8px 20px;
    margin: 24px 0;
    color: var(--ink); font-style: italic;
}

/* КРЕДИТНЫЕ КАРТЫ */
.cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(360px, 1fr));
    gap: 20px;
}
.card-tile {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 24px;
    display: flex; flex-direction: column; gap: 18px;
    transition: all 0.2s;
}
.card-tile:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.card-tile--top { border-color: var(--accent); position: relative; }
.card-tile--top::before {
    content: 'Топ'; position: absolute; top: 12px; right: 12px;
    background: var(--accent); color: var(--bg);
    padding: 3px 10px; border-radius: 100px;
    font-size: 11px; font-weight: 700;
    font-family: var(--font-display);
    letter-spacing: 0.06em; text-transform: uppercase;
}
.card-tile-head { display: flex; gap: 14px; align-items: center; }
.card-tile-head .mfo-logo { width: 56px; height: 56px; font-size: 22px; }
.card-tile-bank { font-size: 12px; color: var(--ink-muted); font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; }
.card-tile-name {
    font-family: var(--font-display);
    font-size: 18px; font-weight: 600;
    letter-spacing: -0.03em; margin-top: 2px;
}
.card-tile-params { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.card-tile-param .p-label { font-size: 11px; color: var(--ink-muted); font-weight: 600; margin-bottom: 4px; text-transform: uppercase; letter-spacing: 0.04em; }
.card-tile-param .p-value {
    font-family: var(--font-display);
    font-size: 16px; font-weight: 600;
    letter-spacing: -0.03em;
}
.card-tile-footer {
    display: flex; align-items: center; justify-content: space-between;
    padding-top: 14px; margin-top: auto;
    border-top: 1px solid var(--line); gap: 12px;
}
.card-tile-meta { font-size: 12px; color: var(--ink-muted); }
.card-tile-footer .btn-apply { padding: 10px 18px; font-size: 13px; flex-shrink: 0; }

/* АДАПТИВ */
@media (max-width: 800px) {
    .mfo-hero { flex-direction: column; padding: 24px; }
    .mfo-logo--big { width: 64px; height: 64px; font-size: 28px; }
    .page-section { padding: 32px 0 64px; }
    .page-header { margin-bottom: 28px; }
    .page-h2 { font-size: 22px; margin: 36px 0 16px; }
    .page-lead { font-size: 15px; }
    .page-content { font-size: 15px; line-height: 1.6; }
    .page-content h3 { font-size: 18px; margin-top: 24px; }
    .page-content ul, .page-content ol { margin-left: 20px; }
    .review-form .form-grid { grid-template-columns: 1fr; }
    .card-tile-params { grid-template-columns: 1fr; }
}
@media (max-width: 520px) {
    .page-section { padding: 24px 0 48px; }
    .page-header { margin-bottom: 20px; }
    .page-header h1 { font-size: 26px; margin: 8px 0 12px; }
    .page-h2 { font-size: 20px; margin: 28px 0 14px; }
    .page-lead { font-size: 14px; line-height: 1.5; }
    .page-content { font-size: 14px; }
    .page-content h3 { font-size: 17px; }
    .crumbs { font-size: 12px; margin-bottom: 12px; }
    /* Сетки: на узком экране всё в одну колонку */
    .mfo-grid,
    .catalogs-grid,
    .articles-grid,
    .cards-grid { grid-template-columns: 1fr; gap: 12px; }
    /* Длинные ссылки в FAQ — переносить */
    .mfo-faq-body a { word-break: break-word; overflow-wrap: break-word; }
    /* Share-кнопки — в столбик */
    .share-bar { flex-wrap: wrap; gap: 8px; }
    /* Заголовки в детале статьи и mfo-hero */
    .article-body--detail h2 { font-size: 20px; margin: 28px 0 12px; }
    .mfo-hero h1 { font-size: 24px; }
    /* Touch-таргеты */
    .tag-chip { padding: 10px 14px; min-height: 36px; }
    .share-btn { padding: 10px 16px; min-height: 40px; }
}

/* Страницы 404 / 500 */
.error-page { max-width: 640px; margin: 0 auto; text-align: center; padding-top: 40px; }
.error-code {
    font-family: var(--font-display);
    font-size: clamp(96px, 18vw, 180px);
    font-weight: 700; letter-spacing: -0.06em;
    line-height: 0.9; color: var(--accent);
    margin-bottom: 16px;
}
.error-title {
    font-family: var(--font-display);
    font-size: clamp(28px, 4vw, 40px);
    font-weight: 700; letter-spacing: -0.04em;
    margin-bottom: 16px;
}
.error-lead { font-size: 17px; color: var(--ink-soft); margin-bottom: 32px; line-height: 1.5; }
.error-actions { display: flex; gap: 12px; justify-content: center; margin-bottom: 48px; flex-wrap: wrap; }
.error-popular {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: 28px;
    text-align: left;
}
.error-popular h3 {
    font-family: var(--font-display);
    font-size: 18px; font-weight: 600;
    margin-bottom: 16px;
}
.error-popular ul { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.error-popular li a {
    color: var(--ink); font-weight: 500;
    padding: 8px 0;
    display: inline-block;
}
.error-popular li a:hover { color: var(--accent); }
.error-contact { font-size: 14px; color: var(--ink-muted); margin-top: 24px; }
.error-contact a { color: var(--accent); }

/* Карта сайта */
.sitemap-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }
.sitemap-block {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: 24px;
}
.sitemap-block h3 {
    font-family: var(--font-display);
    font-size: 17px; font-weight: 600;
    letter-spacing: -0.02em;
    margin-bottom: 12px;
    color: var(--ink);
}
.sitemap-block ul { list-style: none; }
.sitemap-block li {
    padding: 6px 0;
    border-bottom: 1px dashed var(--line);
    font-size: 14px;
}
.sitemap-block li:last-child { border-bottom: 0; }
.sitemap-block a { color: var(--ink-soft); }
.sitemap-block a:hover { color: var(--accent); }
@media (max-width: 520px) {
    .error-popular ul { grid-template-columns: 1fr; }
}