/* ==========================================================================
   Financity — універсальний фінансовий портал
   Єдиний файл стилів для інформаційних сторінок порталу.
   Чистий CSS3, без фреймворків. Мобільна адаптація — внизу файлу.

   Стилі наскрізного хедера, меню та пошуку винесені в css/header.css —
   він підключається окремо, зокрема на самостійних сторінках вітрини.

   ЗМІСТ
   1.  Змінні та базові стилі
   2.  (хедер → css/header.css)
   3.  Секції та типографіка
   4.  Hero (головний екран)
   5.  Картки порад / переваг
   6.  Калькулятор
   7.  CTA-банери (перехід на вітрину)
   8.  Блог: сітка карток
   9.  Стаття та юридичні сторінки (.prose)
   10. FAQ-акордеон
   11. Юридичні блоки (дисклеймер, приклад розрахунку)
   12. Футер
   13. Cookie-банер
   14. Адаптив (мобільні телефони)
   ========================================================================== */

/* ============================ 1. ЗМІННІ ================================== */
:root{
  --ink: #F4F5F8;
  --ink-soft: rgba(244,245,248,0.62);
  --ink-faint: rgba(244,245,248,0.40);
  --glass: rgba(255,255,255,0.055);
  --glass-strong: rgba(255,255,255,0.09);
  --glass-border: rgba(255,255,255,0.14);
  --accent: #F2B33D;
  --accent-2: #5B7CFA;
  --purple: #A56CFF;
  --teal: #33D6B0;
  --shadow: 0 10px 34px rgba(0,0,0,0.38);
  --shadow-hover: 0 18px 46px rgba(0,0,0,0.50);
  --display: 'Sora', sans-serif;
  --body: 'Manrope', sans-serif;
  --stat-font: 'Space Grotesk', sans-serif;
  --radius: 22px;
}

*{ box-sizing: border-box; margin: 0; padding: 0; }
html{ scroll-behavior: smooth; overflow-x: hidden; }

body{
  color: var(--ink);
  font-family: var(--body);
  min-height: 100vh;
  position: relative;
  background-color: #0A0B10;
  background-image:
    linear-gradient(180deg, rgba(8,9,14,0.82) 0%, rgba(8,9,14,0.93) 55%, #0A0B10 100%),
    url('../img/fone.avif');
  background-size: cover;
  background-position: center top;
  background-attachment: fixed;
  padding-bottom: 0;
}

img{ max-width: 100%; display: block; }

/* декоративні кольорові плями фону */
.blob{
  position: fixed;
  border-radius: 50%;
  filter: blur(90px);
  opacity: 0.34;
  z-index: 0;
  pointer-events: none;
}
.blob-1{ width: 420px; height: 420px; background: var(--accent-2); top: -90px; left: -110px; }
.blob-2{ width: 380px; height: 380px; background: var(--purple); bottom: -110px; right: -90px; }
.blob-3{ width: 300px; height: 300px; background: var(--teal); top: 45%; left: 55%; }

.container{
  width: 100%;
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 20px;
  position: relative;
  z-index: 1;
}
.container--narrow{ max-width: 780px; }

/* ===================== 3. СЕКЦІЇ ТА ТИПОГРАФІКА ========================== */
.section{ padding: 54px 0; }
.section--tight{ padding: 34px 0; }

.section-head{ margin-bottom: 26px; max-width: 720px; }
.eyebrow{
  display: inline-block;
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent);
  margin-bottom: 10px;
}
h1, h2, h3{ font-family: var(--display); font-weight: 700; line-height: 1.22; }
h1{ font-size: clamp(28px, 5vw, 46px); letter-spacing: -0.02em; }
h2{ font-size: clamp(21px, 3.2vw, 29px); }
h3{ font-size: 16.5px; }
.section-sub{
  margin-top: 10px;
  font-size: 14.5px;
  line-height: 1.7;
  color: var(--ink-soft);
}

.panel{
  background: var(--glass);
  border: 1px solid var(--glass-border);
  backdrop-filter: blur(22px) saturate(140%);
  -webkit-backdrop-filter: blur(22px) saturate(140%);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 34px 32px;
}

.btn{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--body);
  font-weight: 700;
  font-size: 14.5px;
  text-decoration: none;
  padding: 14px 26px;
  border-radius: 100px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform .18s ease, filter .18s ease, background .18s ease;
}
.btn svg{ width: 16px; height: 16px; }
.btn-primary{
  background: linear-gradient(135deg, var(--accent-2), var(--purple));
  color: #fff;
  box-shadow: 0 10px 26px rgba(91,124,250,0.32);
}
.btn-primary:hover{ transform: translateY(-2px); filter: brightness(1.08); }
.btn-gold{
  background: linear-gradient(135deg, var(--accent), #E88F2A);
  color: #16110A;
  box-shadow: 0 10px 26px rgba(242,179,61,0.30);
}
.btn-gold:hover{ transform: translateY(-2px); filter: brightness(1.06); }
.btn-ghost{
  background: var(--glass);
  border-color: var(--glass-border);
  color: var(--ink);
}
.btn-ghost:hover{ background: var(--glass-strong); }

/* ============================== 4. HERO ================================== */
.hero{ padding: 58px 0 34px; }
.hero-grid{
  display: grid;
  grid-template-columns: 1.25fr 0.75fr;
  gap: 34px;
  align-items: center;
}
.hero p.hero-lead{
  margin-top: 16px;
  font-size: 16px;
  line-height: 1.72;
  color: var(--ink-soft);
  max-width: 620px;
}
.hero-note{
  margin-top: 12px;
  font-size: 13px;
  line-height: 1.65;
  color: var(--ink-faint);
  max-width: 620px;
}
.hero-actions{ display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }
.hero-chips{ display: flex; flex-wrap: wrap; gap: 8px; margin-top: 22px; }
.chip{
  font-size: 12.5px;
  font-weight: 600;
  color: var(--ink-soft);
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: 100px;
  padding: 7px 14px;
}
.hero-visual{
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow);
  backdrop-filter: blur(20px) saturate(140%);
  -webkit-backdrop-filter: blur(20px) saturate(140%);
}
.hero-visual img{ width: 92px; margin: 0 auto 16px; }
.hv-row{
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 10px;
  padding: 10px 0;
  border-bottom: 1px dashed var(--glass-border);
  font-size: 13px;
  color: var(--ink-soft);
}
.hv-row:last-child{ border-bottom: 0; }
.hv-row b{ font-family: var(--stat-font); font-size: 15px; color: var(--ink); }

/* ==================== 5. КАРТКИ ПОРАД / ПЕРЕВАГ ========================== */
.grid{ display: grid; gap: 16px; }
.grid-3{ grid-template-columns: repeat(3, 1fr); }
.grid-2{ grid-template-columns: repeat(2, 1fr); }

.card{
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: 18px;
  padding: 24px 22px;
  backdrop-filter: blur(18px) saturate(140%);
  -webkit-backdrop-filter: blur(18px) saturate(140%);
  transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease;
}
.card:hover{ transform: translateY(-3px); border-color: rgba(255,255,255,0.26); box-shadow: var(--shadow-hover); }
.card-icon{
  width: 40px;
  height: 40px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(91,124,250,0.16);
  border: 1px solid rgba(91,124,250,0.28);
  color: var(--accent-2);
  margin-bottom: 14px;
}
.card-icon svg{ width: 20px; height: 20px; }
.card-icon.gold{ background: rgba(242,179,61,0.14); border-color: rgba(242,179,61,0.3); color: var(--accent); }
.card-icon.teal{ background: rgba(51,214,176,0.14); border-color: rgba(51,214,176,0.3); color: var(--teal); }
.card h3{ margin-bottom: 8px; }
.card p{ font-size: 13.5px; line-height: 1.68; color: var(--ink-soft); }
.card .card-num{
  font-family: var(--stat-font);
  font-size: 26px;
  font-weight: 700;
  color: var(--accent);
  margin-bottom: 6px;
  display: block;
}

/* =========================== 6. КАЛЬКУЛЯТОР ============================== */
.calc{
  display: grid;
  grid-template-columns: 1fr 0.85fr;
  gap: 26px;
  align-items: start;
}
.calc-field{ margin-bottom: 20px; }
.calc-label{
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 9px;
}
.calc-label span:first-child{ font-size: 13.5px; font-weight: 600; color: var(--ink-soft); }
.calc-value{
  font-family: var(--stat-font);
  font-size: 15px;
  font-weight: 700;
  color: var(--ink);
}
.calc-field input[type="range"]{
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 100px;
  background: linear-gradient(90deg, var(--accent-2) var(--fill, 30%), rgba(255,255,255,0.12) var(--fill, 30%));
  outline: none;
  cursor: pointer;
}
.calc-field input[type="range"]::-webkit-slider-thumb{
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: #fff;
  border: 4px solid var(--accent-2);
  box-shadow: 0 3px 10px rgba(0,0,0,0.4);
  cursor: pointer;
}
.calc-field input[type="range"]::-moz-range-thumb{
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: #fff;
  border: 4px solid var(--accent-2);
  cursor: pointer;
}
.calc-scale{
  display: flex;
  justify-content: space-between;
  font-size: 11.5px;
  color: var(--ink-faint);
  margin-top: 7px;
}
.calc-result{
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  border-radius: 18px;
  padding: 22px;
}
.cr-row{
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
  padding: 11px 0;
  border-bottom: 1px dashed var(--glass-border);
}
.cr-row:last-of-type{ border-bottom: 0; }
.cr-row .cr-key{ font-size: 13px; color: var(--ink-soft); }
.cr-row .cr-val{ font-family: var(--stat-font); font-size: 16px; font-weight: 700; }
.cr-total .cr-val{ font-size: 20px; color: var(--accent); }
.cr-apr .cr-val{ color: var(--purple); }
.calc-hint{
  margin-top: 14px;
  font-size: 11.5px;
  line-height: 1.6;
  color: var(--ink-faint);
}

/* ========================= 7. CTA-БАНЕРИ ================================= */
.cta-banner{
  position: relative;
  overflow: hidden;
  border-radius: var(--radius);
  border: 1px solid rgba(242,179,61,0.34);
  background: linear-gradient(120deg, rgba(242,179,61,0.16), rgba(165,108,255,0.16));
  padding: 34px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.cta-banner h2{ margin-bottom: 8px; }
.cta-banner p{ font-size: 14px; line-height: 1.65; color: var(--ink-soft); max-width: 560px; }
.cta-banner .cta-side{ flex-shrink: 0; }
.cta-banner .cta-small{
  margin-top: 10px;
  font-size: 11.5px;
  color: var(--ink-faint);
  text-align: center;
}

/* ========================= 8. БЛОГ: КАРТКИ =============================== */
.post-grid{ display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.post-card{
  display: block;
  text-decoration: none;
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  border-radius: 18px;
  padding: 22px;
  transition: transform .2s ease, border-color .2s ease;
}
.post-card:hover{ transform: translateY(-3px); border-color: rgba(255,255,255,0.28); }
/* тег категорії: колір задає модифікатор .t-* (див. розділ 20) */
.post-tag{
  display: inline-flex;
  align-items: center;
  font-size: 10.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 5px 11px;
  border-radius: 100px;
  margin-bottom: 10px;
  color: var(--accent-2);
  background: rgba(91,124,250,0.14);
  border: 1px solid rgba(91,124,250,0.30);
}
.post-title{
  font-family: var(--display);
  font-weight: 700;
  font-size: 15px;
  line-height: 1.42;
  color: var(--ink);
  margin-bottom: 8px;
}
.post-excerpt{ font-size: 13px; line-height: 1.6; color: var(--ink-soft); }
.post-meta{ margin-top: 10px; font-size: 11.5px; color: var(--ink-faint); }
.post-card.is-soon{ opacity: 0.55; pointer-events: none; }

/* ============ 9. СТАТТЯ ТА ЮРИДИЧНІ СТОРІНКИ (.prose) =================== */
.page-head{ padding: 40px 0 8px; }
.page-head h1{ font-size: clamp(24px, 4.2vw, 36px); }
.page-head .page-meta{ margin-top: 10px; font-size: 12.5px; color: var(--ink-faint); }

.prose h2{
  font-size: 19px;
  margin-top: 32px;
  margin-bottom: 12px;
}
.prose h3{
  font-size: 15.5px;
  margin-top: 22px;
  margin-bottom: 8px;
}
.prose h2:first-child, .prose h3:first-child{ margin-top: 0; }
.prose p{
  font-size: 14.5px;
  line-height: 1.78;
  color: var(--ink-soft);
  margin-bottom: 13px;
}
.prose ul, .prose ol{
  margin: 0 0 14px 20px;
  font-size: 14.5px;
  line-height: 1.78;
  color: var(--ink-soft);
}
.prose li{ margin-bottom: 7px; }
.prose strong, .prose b{ color: var(--ink); }
.prose a{ color: var(--accent-2); font-weight: 600; text-decoration: none; }
.prose a:hover{ text-decoration: underline; }
.prose table{
  width: 100%;
  border-collapse: collapse;
  margin: 6px 0 16px;
  font-size: 13.5px;
}
.prose th, .prose td{
  border: 1px solid var(--glass-border);
  padding: 10px 12px;
  text-align: left;
  color: var(--ink-soft);
}
.prose th{ color: var(--ink); font-weight: 700; background: var(--glass); }
.table-scroll{ overflow-x: auto; }

.back-link{
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 600;
  color: var(--ink-soft);
  text-decoration: none;
  margin-bottom: 18px;
}
.back-link:hover{ color: var(--accent-2); }
.back-link svg{ width: 15px; height: 15px; }

.contact-box{
  margin-top: 30px;
  padding-top: 22px;
  border-top: 1px solid var(--glass-border);
  font-size: 13.5px;
  line-height: 1.7;
  color: var(--ink-soft);
}
.contact-box a{ color: var(--accent-2); font-weight: 600; text-decoration: none; }
.contact-box a:hover{ text-decoration: underline; }

/* ========================= 10. FAQ-АКОРДЕОН ============================== */
.faq-item{
  border: 1px solid var(--glass-border);
  background: var(--glass);
  border-radius: 16px;
  margin-bottom: 10px;
  overflow: hidden;
}
.faq-q{
  width: 100%;
  text-align: left;
  background: none;
  border: 0;
  color: var(--ink);
  font-family: var(--display);
  font-weight: 600;
  font-size: 14.5px;
  padding: 17px 20px;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
}
.faq-q .faq-sign{
  flex-shrink: 0;
  font-size: 20px;
  line-height: 1;
  color: var(--accent);
  transition: transform .2s ease;
}
.faq-item.is-open .faq-q .faq-sign{ transform: rotate(45deg); }
.faq-a{
  max-height: 0;
  overflow: hidden;
  transition: max-height .28s ease;
}
.faq-a-inner{
  padding: 0 20px 18px;
  font-size: 13.5px;
  line-height: 1.72;
  color: var(--ink-soft);
}
.faq-a-inner a{ color: var(--accent-2); font-weight: 600; text-decoration: none; }

/* ==================== 11. ЮРИДИЧНІ БЛОКИ ================================= */
.notice{
  display: flex;
  gap: 16px;
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: 18px;
  padding: 22px 24px;
  margin-bottom: 14px;
}
.notice.warn{ border-color: rgba(242,179,61,0.32); background: rgba(242,179,61,0.07); }
.notice-icon{
  flex-shrink: 0;
  width: 34px;
  height: 34px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  color: var(--accent);
}
.notice-icon svg{ width: 18px; height: 18px; }
.notice .n-title{
  font-family: var(--display);
  font-weight: 700;
  font-size: 15px;
  margin-bottom: 7px;
}
.notice .n-text{
  font-size: 13.2px;
  line-height: 1.7;
  color: var(--ink-soft);
}
.notice .n-text b{ color: var(--ink); }

/* ============================ 12. ФУТЕР ================================== */
.site-footer{
  margin-top: 40px;
  border-top: 1px solid var(--glass-border);
  background: rgba(8,9,14,0.6);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  padding: 42px 0 34px;
  position: relative;
  z-index: 1;
}
.footer-grid{
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 26px;
  margin-bottom: 28px;
}
.footer-col h4{
  font-family: var(--display);
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--ink);
  margin-bottom: 12px;
}
.footer-col a{
  display: block;
  font-size: 13.2px;
  color: var(--ink-soft);
  text-decoration: none;
  padding: 5px 0;
}
.footer-col a:hover{ color: var(--accent-2); }
.footer-about{ font-size: 13px; line-height: 1.7; color: var(--ink-soft); margin-top: 10px; }

.footer-legal{
  border-top: 1px solid var(--glass-border);
  padding-top: 22px;
  font-size: 12.2px;
  line-height: 1.72;
  color: var(--ink-faint);
}
.footer-legal p{ margin-bottom: 10px; }
.footer-legal b{ color: var(--ink-soft); }
/* контакт не має розриватися на два рядки */
.nowrap{ white-space: nowrap; }
.footer-legal .nowrap a{ color: var(--ink-soft); text-decoration: none; }
.footer-legal .nowrap a:hover{ color: var(--accent-2); }
.footer-bottom{
  margin-top: 16px;
  display: flex;
  flex-wrap: wrap;
  gap: 8px 16px;
  justify-content: space-between;
  font-size: 12px;
  color: var(--ink-faint);
}
.footer-bottom a{ color: var(--ink-soft); text-decoration: none; }
.footer-bottom a:hover{ color: var(--accent-2); }

/* ========================= 13. COOKIE-БАНЕР ============================== */
.cookie-banner{
  position: fixed;
  left: 16px;
  right: 16px;
  bottom: 16px;
  z-index: 90;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  background: rgba(20,21,28,0.94);
  border: 1px solid var(--glass-border);
  backdrop-filter: blur(20px) saturate(140%);
  -webkit-backdrop-filter: blur(20px) saturate(140%);
  border-radius: 18px;
  padding: 16px 20px;
  box-shadow: var(--shadow);
  transform: translateY(140%);
  opacity: 0;
  transition: transform .32s ease, opacity .32s ease;
  max-width: 940px;
  margin: 0 auto;
}
.cookie-banner.show{ transform: translateY(0); opacity: 1; }
.cookie-text{ font-size: 12.5px; line-height: 1.6; color: var(--ink-soft); flex: 1 1 320px; }
.cookie-text a{ color: var(--accent-2); text-decoration: none; font-weight: 600; }
.cookie-actions{ display: flex; gap: 10px; }
.cookie-btn{
  font-family: var(--body);
  font-weight: 700;
  font-size: 12.5px;
  padding: 10px 18px;
  border-radius: 100px;
  cursor: pointer;
  border: 1px solid var(--glass-border);
  background: var(--glass);
  color: var(--ink);
}
.cookie-accept{
  background: linear-gradient(135deg, var(--accent-2), var(--purple));
  border-color: transparent;
  color: #fff;
}

/* ====================== 14. АДАПТИВ (МОБІЛЬНІ) =========================== */
@media (max-width: 900px){
  .hero-grid{ grid-template-columns: 1fr; }
  .hero-visual{ order: -1; }
  .calc{ grid-template-columns: 1fr; }
  .grid-3{ grid-template-columns: repeat(2, 1fr); }
  .footer-grid{ grid-template-columns: 1fr 1fr; }
}

@media (max-width: 720px){
  .section{ padding: 40px 0; }
  .panel{ padding: 24px 20px; }
  .grid-3, .grid-2, .post-grid{ grid-template-columns: 1fr; }
  .cta-banner{ padding: 26px 22px; }
  .cta-banner .cta-side{ width: 100%; }
  .cta-banner .btn{ width: 100%; }
  .hero{ padding: 36px 0 20px; }
  .hero p.hero-lead{ font-size: 15px; }
  .hero-actions .btn{ width: 100%; }
  .footer-grid{ grid-template-columns: 1fr; gap: 20px; }
  .cookie-banner{ left: 10px; right: 10px; bottom: 10px; padding: 14px 16px; }
  .cookie-actions{ width: 100%; }
  .cookie-btn{ flex: 1; }
  .notice{ flex-direction: column; gap: 12px; padding: 20px; }
}

@media (max-width: 420px){
  .container{ padding: 0 14px; }
  h1{ font-size: 26px; }
}

/* ==========================================================================
   15. ГОЛОВНА СТОРІНКА ПОРТАЛУ (хаб розділів)
   ========================================================================== */

/* панель швидкого вибору в hero: вхід у розділ за завданням користувача */
.hero-panel{
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  padding: 20px;
  box-shadow: var(--shadow);
  backdrop-filter: blur(20px) saturate(140%);
  -webkit-backdrop-filter: blur(20px) saturate(140%);
}
.hero-panel .hp-head{
  display: flex;
  align-items: center;
  gap: 12px;
  padding-bottom: 14px;
  margin-bottom: 8px;
  border-bottom: 1px solid var(--glass-border);
}
.hero-panel .hp-head img{ width: 38px; height: 38px; border-radius: 11px; flex-shrink: 0; }
.hero-panel .hp-title{ font-family: var(--display); font-weight: 700; font-size: 16px; }
.hero-panel .hp-sub{ font-size: 12px; line-height: 1.45; color: var(--ink-faint); margin-top: 3px; }

.hero-panel .hp-row{
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 10px;
  margin: 0 -6px;
  border-radius: 14px;
  text-decoration: none;
  color: inherit;
  transition: background .18s ease, transform .18s ease;
}
.hero-panel .hp-row:hover{ background: var(--glass-strong); transform: translateX(2px); }
.hero-panel .hp-ico{
  flex-shrink: 0;
  width: 38px;
  height: 38px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(91,124,250,0.16);
  border: 1px solid rgba(91,124,250,0.28);
  color: var(--accent-2);
}
.hero-panel .hp-ico svg{ width: 18px; height: 18px; }
.hero-panel .hp-ico.gold{ background: rgba(242,179,61,0.14); border-color: rgba(242,179,61,0.3); color: var(--accent); }
.hero-panel .hp-ico.teal{ background: rgba(51,214,176,0.14); border-color: rgba(51,214,176,0.3); color: var(--teal); }
.hero-panel .hp-text{ flex: 1; min-width: 0; }
.hero-panel .hp-text b{ display: block; font-size: 13.6px; font-weight: 700; line-height: 1.35; }
.hero-panel .hp-text small{ display: block; font-size: 11.8px; color: var(--ink-soft); margin-top: 2px; }
.hero-panel .hp-arrow{ width: 15px; height: 15px; flex-shrink: 0; color: var(--ink-faint); transition: transform .18s ease, color .18s ease; }
.hero-panel .hp-row:hover .hp-arrow{ color: var(--accent-2); transform: translateX(3px); }
.hero-panel .hp-foot{
  margin-top: 12px;
  padding-top: 13px;
  border-top: 1px dashed var(--glass-border);
  font-size: 11.5px;
  color: var(--ink-faint);
  text-align: center;
}

.hub-grid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.hub-card{
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: 18px;
  padding: 24px 22px;
  backdrop-filter: blur(18px) saturate(140%);
  -webkit-backdrop-filter: blur(18px) saturate(140%);
  transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease;
}
.hub-card:hover{ transform: translateY(-4px); border-color: rgba(255,255,255,0.28); box-shadow: var(--shadow-hover); }
.hub-card h3{ margin-bottom: 8px; }
.hub-card p{ font-size: 13.4px; line-height: 1.65; color: var(--ink-soft); flex: 1; }
.hub-card .hub-links{
  margin-top: 14px;
  padding-top: 13px;
  border-top: 1px dashed var(--glass-border);
  display: flex;
  flex-wrap: wrap;
  gap: 6px 10px;
  font-size: 12.2px;
  color: var(--ink-faint);
}
.hub-card .hub-go{
  margin-top: 14px;
  font-size: 13px;
  font-weight: 700;
  color: var(--accent-2);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.hub-card:hover .hub-go svg{ transform: translateX(3px); }
.hub-card .hub-go svg{ width: 14px; height: 14px; transition: transform .18s ease; }

/* стрічка живих курсів під шапкою головної */
.rate-strip{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 10px;
  margin-top: 22px;
}
.rate-chip{
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  border-radius: 14px;
  padding: 12px 14px;
  text-decoration: none;
  color: inherit;
  transition: border-color .18s ease, transform .18s ease;
}
.rate-chip:hover{ border-color: rgba(255,255,255,0.26); transform: translateY(-2px); }
.rate-chip .rc-name{ font-size: 11.5px; font-weight: 700; letter-spacing: 0.05em; text-transform: uppercase; color: var(--ink-faint); }
.rate-chip .rc-val{ font-family: var(--stat-font); font-size: 18px; font-weight: 700; margin-top: 4px; }
.rate-chip .rc-sub{ font-size: 11.5px; color: var(--ink-soft); margin-top: 2px; }

/* ==========================================================================
   16. ВІТРИНА ПАРТНЕРСЬКИХ ПРОПОЗИЦІЙ (страхування, банки, біржі)
   ========================================================================== */
.offer-grid{
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 16px;
}
.offer-card{
  position: relative;
  display: flex;
  flex-direction: column;
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: 20px;
  padding: 22px;
  backdrop-filter: blur(18px) saturate(140%);
  -webkit-backdrop-filter: blur(18px) saturate(140%);
  transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease;
}
.offer-card:hover{ transform: translateY(-3px); border-color: rgba(255,255,255,0.26); box-shadow: var(--shadow-hover); }
.offer-card.is-top{ border-color: rgba(242,179,61,0.42); background: linear-gradient(160deg, rgba(242,179,61,0.10), var(--glass)); }

.offer-head{ display: flex; align-items: center; gap: 13px; margin-bottom: 14px; }
/* місце під логотип партнера: покладіть файл у /img і вкажіть <img src="..."> */
.offer-logo{
  flex-shrink: 0;
  width: 54px;
  height: 54px;
  border-radius: 14px;
  background: rgba(255,255,255,0.94);
  border: 1px solid var(--glass-border);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  font-family: var(--display);
  font-weight: 800;
  font-size: 17px;
  color: #14161f;
  letter-spacing: -0.02em;
}
.offer-logo img{ width: 100%; height: 100%; object-fit: contain; padding: 7px; }
.offer-name{ font-family: var(--display); font-weight: 700; font-size: 16px; line-height: 1.3; }
.offer-sub{ font-size: 12.2px; color: var(--ink-faint); margin-top: 3px; }

.offer-badge{
  position: absolute;
  top: -10px;
  right: 18px;
  font-size: 10.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 5px 11px;
  border-radius: 100px;
  background: linear-gradient(135deg, var(--accent), #E88F2A);
  color: #16110A;
  box-shadow: 0 6px 16px rgba(242,179,61,0.3);
}
.offer-badge.blue{ background: linear-gradient(135deg, var(--accent-2), var(--purple)); color: #fff; box-shadow: 0 6px 16px rgba(91,124,250,0.32); }
.offer-badge.teal{ background: linear-gradient(135deg, var(--teal), #23A98C); color: #06231C; box-shadow: 0 6px 16px rgba(51,214,176,0.28); }
.offer-badge.purple{ background: linear-gradient(135deg, var(--purple), #7C4FE0); color: #fff; box-shadow: 0 6px 16px rgba(165,108,255,0.32); }

.offer-desc{ font-size: 13.2px; line-height: 1.62; color: var(--ink-soft); margin-bottom: 14px; }

.offer-specs{
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px 12px;
  padding: 14px;
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  border-radius: 14px;
  margin-bottom: 14px;
}
.offer-specs.one-col{ grid-template-columns: 1fr; }
.spec .spec-key{ display: block; font-size: 11px; color: var(--ink-faint); text-transform: uppercase; letter-spacing: 0.04em; }
.spec .spec-val{ font-family: var(--stat-font); font-size: 14.5px; font-weight: 700; color: var(--ink); margin-top: 2px; display: block; }
.spec .spec-val.accent{ color: var(--accent); }
.spec .spec-val.teal{ color: var(--teal); }

.offer-tags{ display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 16px; }
.offer-tag{
  font-size: 11.5px;
  font-weight: 600;
  color: var(--ink-soft);
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  border-radius: 100px;
  padding: 5px 11px;
}
.offer-foot{ margin-top: auto; }
.offer-foot .btn{ width: 100%; padding: 13px 20px; font-size: 14px; }
.offer-note{ margin-top: 9px; font-size: 11px; line-height: 1.5; color: var(--ink-faint); text-align: center; }

/* дві партнерські кнопки поруч (дебетова / кредитна картка) */
.dual-cta{ display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.dual-cta .btn{ width: 100%; padding: 13px 16px; font-size: 13.5px; }

.partner-disclosure{
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 12px;
  line-height: 1.6;
  color: var(--ink-faint);
  background: var(--glass);
  border: 1px dashed var(--glass-border);
  border-radius: 14px;
  padding: 14px 16px;
  margin-bottom: 18px;
}
.partner-disclosure b{ color: var(--ink-soft); }

/* ==========================================================================
   17. ВКЛАДКИ РОЗДІЛІВ (страхування, валюта)
   ========================================================================== */
.tabs{
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 22px;
  padding: 7px;
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: 100px;
}
.tab-btn{
  font-family: var(--body);
  font-size: 13.2px;
  font-weight: 700;
  color: var(--ink-soft);
  background: none;
  border: 0;
  border-radius: 100px;
  padding: 10px 18px;
  cursor: pointer;
  white-space: nowrap;
  transition: color .18s ease, background .18s ease;
}
.tab-btn:hover{ color: var(--ink); background: var(--glass-strong); }
.tab-btn.is-active{
  color: #fff;
  background: linear-gradient(135deg, var(--accent-2), var(--purple));
  box-shadow: 0 8px 20px rgba(91,124,250,0.28);
}
.tab-panel{ display: none; }
.tab-panel.is-active{ display: block; animation: tabIn .25s ease; }
@keyframes tabIn{ from{ opacity: 0; transform: translateY(6px); } to{ opacity: 1; transform: none; } }

/* ==========================================================================
   18. КУРСИ ВАЛЮТ, КРИПТИ ТА МЕТАЛІВ
   ========================================================================== */
.rate-cards{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-bottom: 20px;
}
.rate-card{
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  border-radius: 16px;
  padding: 16px 18px;
}
.rate-card .rc-top{ display: flex; align-items: center; justify-content: space-between; gap: 8px; }
.rate-card .rc-code{ font-family: var(--display); font-weight: 700; font-size: 14px; }
.rate-card .rc-flag{ font-size: 19px; line-height: 1; }
.rate-card .rc-rate{ font-family: var(--stat-font); font-size: 22px; font-weight: 700; margin-top: 8px; }
.rate-card .rc-label{ font-size: 11.5px; color: var(--ink-faint); margin-top: 3px; }

.table-card{
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: 18px;
  padding: 6px 6px 4px;
  overflow-x: auto;
  backdrop-filter: blur(18px) saturate(140%);
  -webkit-backdrop-filter: blur(18px) saturate(140%);
}
table.rate-table{
  width: 100%;
  border-collapse: collapse;
  font-size: 13.5px;
  min-width: 520px;
}
table.rate-table th{
  text-align: left;
  font-family: var(--body);
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--ink-faint);
  padding: 14px 16px 10px;
  white-space: nowrap;
}
table.rate-table td{
  padding: 13px 16px;
  border-top: 1px solid var(--glass-border);
  color: var(--ink-soft);
  vertical-align: middle;
}
table.rate-table tbody tr:hover td{ background: var(--glass); }
table.rate-table td.num{ font-family: var(--stat-font); font-weight: 700; color: var(--ink); white-space: nowrap; }
table.rate-table td.asset{ color: var(--ink); font-weight: 600; }
.asset-line{ display: flex; align-items: center; gap: 10px; }
/* --- іконки активів: прапор, логотип монети або текстовий бейдж --- */
.asset-ico{
  width: 30px;
  height: 30px;
  border-radius: 9px;
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
  overflow: hidden;
}
.asset-ico svg{ width: 22px; height: 22px; }
.ico-img{
  width: 22px;
  height: 16px;
  object-fit: cover;
  border-radius: 3px;
  display: block;
}
.ico-img.round{ width: 22px; height: 22px; border-radius: 50%; object-fit: contain; }
.ico-badge{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 22px;
  height: 18px;
  padding: 0 4px;
  border-radius: 5px;
  background: rgba(255,255,255,0.92);
  color: #14161f;
  font-family: var(--display);
  font-weight: 800;
  font-size: 9.5px;
  letter-spacing: -0.01em;
  line-height: 1;
}
.ico-badge.wide{ font-size: 8.5px; padding: 0 5px; }

/* пара прапорів для валютних пар Forex */
.pair-ico{
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  width: 42px;
  height: 30px;
  position: relative;
}
.pair-ico .ico-img,
.pair-ico .ico-badge{
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  box-shadow: 0 0 0 2px rgba(10,11,16,0.9);
}
.pair-ico > :first-child{ left: 0; z-index: 2; }
.pair-ico > :last-child{ left: 16px; z-index: 1; }
.asset-sub{ display: block; font-size: 11.5px; font-weight: 500; color: var(--ink-faint); margin-top: 1px; }
.delta{ font-family: var(--stat-font); font-weight: 700; white-space: nowrap; }
.delta.up{ color: var(--teal); }
.delta.down{ color: #FF6B6B; }
.delta.flat{ color: var(--ink-faint); }

/* сітка банків-партнерів під таблицею курсів:
   у кожній картці — перемикач «Дебетова / Кредитна» зі своїми умовами */
.bank-grid{
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(268px, 1fr));
  gap: 12px;
}
.bank-card{
  display: flex;
  flex-direction: column;
  padding: 16px;
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  border-radius: 16px;
  transition: border-color .18s ease, transform .18s ease;
}
.bank-card:hover{ border-color: rgba(255,255,255,0.26); transform: translateY(-2px); }
.bank-head{
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 12px;
}
.bank-logo{
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border-radius: 11px;
  background: rgba(255,255,255,0.94);
  color: #14161f;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--display);
  font-weight: 800;
  font-size: 12.5px;
  letter-spacing: -0.02em;
  overflow: hidden;
}
.bank-logo img{ width: 100%; height: 100%; object-fit: contain; padding: 5px; }
.bank-name{
  min-width: 0;
  font-size: 13.6px;
  font-weight: 700;
  line-height: 1.3;
  overflow-wrap: anywhere;   /* довгі назви переносяться, а не лізуть на кнопки */
}

/* сегментований перемикач типу картки */
.bank-switch{
  display: flex;
  gap: 4px;
  padding: 4px;
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: 100px;
  margin-bottom: 12px;
}
.bs-btn{
  flex: 1;
  font-family: var(--body);
  font-size: 12px;
  font-weight: 700;
  color: var(--ink-soft);
  background: none;
  border: 0;
  border-radius: 100px;
  padding: 8px 10px;
  cursor: pointer;
  white-space: nowrap;
  transition: color .18s ease, background .18s ease;
}
.bs-btn:hover{ color: var(--ink); background: var(--glass-strong); }
.bs-btn.is-active{
  color: #fff;
  background: linear-gradient(135deg, var(--accent-2), var(--purple));
  box-shadow: 0 6px 14px rgba(91,124,250,0.26);
}
.bs-btn[data-type="credit"].is-active{
  color: #16110A;
  background: linear-gradient(135deg, var(--accent), #E88F2A);
  box-shadow: 0 6px 14px rgba(242,179,61,0.26);
}

.bank-pane{ display: none; flex-direction: column; flex: 1; }
.bank-pane.is-active{ display: flex; animation: tabIn .2s ease; }
.bank-terms{
  list-style: none;
  margin: 0 0 12px;
  padding: 0;
  flex: 1;
}
.bank-terms li{
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 10px;
  padding: 6px 0;
  border-bottom: 1px dashed var(--glass-border);
  font-size: 12.4px;
  color: var(--ink-faint);
}
.bank-terms li:last-child{ border-bottom: 0; }
.bank-terms li b{
  font-family: var(--stat-font);
  font-size: 13px;
  color: var(--ink);
  text-align: right;
  white-space: nowrap;
}
.bank-terms li b.accent{ color: var(--accent); }
.bank-terms li b.teal{ color: var(--teal); }
.bank-pane .btn{ width: 100%; padding: 11px 16px; font-size: 13px; }
.bank-pane .bank-note{
  font-size: 11px;
  line-height: 1.5;
  color: var(--ink-faint);
  text-align: center;
  margin-top: 8px;
}

/* компактні партнерські кнопки в комірці таблиці */
.cell-cta{ display: flex; gap: 6px; flex-wrap: wrap; }
.mini-btn{
  font-size: 11.5px;
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
  padding: 7px 12px;
  border-radius: 100px;
  color: #fff;
  background: linear-gradient(135deg, var(--accent-2), var(--purple));
  box-shadow: 0 6px 14px rgba(91,124,250,0.24);
  transition: transform .16s ease, filter .16s ease;
}
.mini-btn.gold{
  background: linear-gradient(135deg, var(--accent), #E88F2A);
  color: #16110A;
  box-shadow: 0 6px 14px rgba(242,179,61,0.24);
}
.mini-btn:hover{ transform: translateY(-1px); filter: brightness(1.06); }

.rates-meta{
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 14px;
  margin-top: 12px;
  font-size: 12px;
  color: var(--ink-faint);
}
.rates-meta .dot{ width: 7px; height: 7px; border-radius: 50%; background: var(--teal); box-shadow: 0 0 0 4px rgba(51,214,176,0.16); }
.rates-meta.is-error .dot{ background: #FF6B6B; box-shadow: 0 0 0 4px rgba(255,107,107,0.16); }
.btn-refresh{
  font-family: var(--body);
  font-size: 12px;
  font-weight: 700;
  color: var(--ink-soft);
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: 100px;
  padding: 7px 14px;
  cursor: pointer;
}
.btn-refresh:hover{ color: var(--ink); background: var(--glass-strong); }

.skeleton-row td{ color: var(--ink-faint); }
.skeleton-bar{
  display: block;
  height: 11px;
  width: 100%;
  border-radius: 100px;
  background: linear-gradient(90deg, rgba(255,255,255,0.06), rgba(255,255,255,0.14), rgba(255,255,255,0.06));
  background-size: 200% 100%;
  animation: shimmer 1.2s linear infinite;
}
@keyframes shimmer{ from{ background-position: 200% 0; } to{ background-position: -200% 0; } }

/* конвертер валют */
.converter{
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 12px;
  align-items: end;
}
.conv-field label{ display: block; font-size: 11.5px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: var(--ink-faint); margin-bottom: 7px; }
.conv-row{ display: flex; gap: 8px; }
.conv-input,
.conv-select{
  font-family: var(--body);
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  border-radius: 12px;
  padding: 12px 14px;
  outline: none;
  width: 100%;
}
.conv-input:focus,
.conv-select:focus{ border-color: rgba(91,124,250,0.6); }
.conv-select{ width: 118px; flex-shrink: 0; cursor: pointer; }
.conv-select option{ background: #14161f; color: var(--ink); }
.conv-swap{
  width: 44px;
  height: 46px;
  border-radius: 12px;
  border: 1px solid var(--glass-border);
  background: var(--glass);
  color: var(--ink-soft);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
}
.conv-swap:hover{ color: var(--ink); background: var(--glass-strong); }
.conv-swap svg{ width: 18px; height: 18px; }

/* стилізований випадаючий список валют конвертера (заміна голого <select>) */
.conv-row{ position: relative; }
.cur-select-native{ display: none; }
.cur-select{ position: relative; flex-shrink: 0; width: 136px; }
.cur-select-btn{
  width: 100%;
  display: flex;
  align-items: center;
  gap: 8px;
  font-family: var(--body);
  font-size: 15px;
  font-weight: 700;
  color: var(--ink);
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  border-radius: 12px;
  padding: 11px 12px;
  cursor: pointer;
  transition: border-color .18s ease, box-shadow .18s ease, background .18s ease;
}
.cur-select-btn:hover{ background: rgba(255,255,255,0.13); }
.cur-select.is-open .cur-select-btn{
  border-color: rgba(91,124,250,0.6);
  box-shadow: 0 0 0 3px rgba(91,124,250,0.16);
}
.cur-select-btn svg{ width: 12px; height: 12px; margin-left: auto; flex-shrink: 0; opacity: .7; transition: transform .18s ease; }
.cur-select.is-open .cur-select-btn svg{ transform: rotate(180deg); }
.cur-select-flag{ display: inline-flex; flex-shrink: 0; }
.cur-select-flag .ico-img{ width: 20px; height: 14px; border-radius: 3px; }
.cur-select-code{ font-family: var(--stat-font); letter-spacing: 0.02em; }

.cur-select-panel{
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  min-width: 230px;
  max-width: 82vw;
  max-height: 280px;
  overflow-y: auto;
  background: rgba(16,17,24,0.98);
  border: 1px solid var(--glass-border);
  border-radius: 14px;
  padding: 6px;
  box-shadow: var(--shadow-hover);
  backdrop-filter: blur(20px) saturate(140%);
  -webkit-backdrop-filter: blur(20px) saturate(140%);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity .16s ease, transform .16s ease, visibility .16s;
  z-index: 40;
}
.cur-select.is-open .cur-select-panel{ opacity: 1; visibility: visible; transform: translateY(0); }
.cur-select-item{
  width: 100%;
  display: flex;
  align-items: center;
  gap: 10px;
  background: none;
  border: 0;
  text-align: left;
  cursor: pointer;
  padding: 9px 10px;
  border-radius: 10px;
  color: var(--ink-soft);
  transition: background .14s ease, color .14s ease;
}
.cur-select-item:hover{ background: var(--glass-strong); color: var(--ink); }
.cur-select-item.is-active{ background: rgba(91,124,250,0.16); color: var(--ink); }
.cur-select-name{ font-family: var(--stat-font); font-weight: 700; font-size: 13.5px; display: flex; flex-direction: column; }
.cur-select-name small{ font-family: var(--body); font-weight: 500; font-size: 11px; color: var(--ink-faint); margin-top: 1px; }
@media (max-width: 420px){
  .cur-select{ width: 112px; }
  .cur-select-btn{ padding: 11px 9px; font-size: 13.5px; }
}

/* ==========================================================================
   22. СТОРІНКА «СТРАХУВАННЯ»: hero, категорії, віджет-калькулятор
   ========================================================================== */
.ins-hero{
  border-radius: var(--radius);
  border: 1px solid rgba(91,124,250,0.30);
  background: linear-gradient(125deg, rgba(91,124,250,0.16), rgba(242,179,61,0.12));
  padding: 32px;
}
.ins-hero h1{ font-size: clamp(24px, 4vw, 38px); margin-bottom: 12px; }
.ins-hero .ins-sub{ font-size: 16px; line-height: 1.65; color: var(--ink-soft); max-width: 720px; }

.adv-grid{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-top: 24px;
}
.adv{
  display: flex;
  align-items: center;
  gap: 11px;
  padding: 13px 14px;
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  border-radius: 14px;
}
.adv .adv-ico{
  flex-shrink: 0;
  width: 34px;
  height: 34px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(51,214,176,0.14);
  border: 1px solid rgba(51,214,176,0.3);
  color: var(--teal);
}
.adv .adv-ico svg{ width: 17px; height: 17px; }
.adv b{ font-size: 12.8px; font-weight: 700; line-height: 1.35; }

/* картки категорій страхування */
.ins-grid{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}
.ins-card{
  display: flex;
  flex-direction: column;
  padding: 22px 20px;
  border-radius: 20px;
  background: var(--glass);
  border: 1px solid var(--glass-border);
  backdrop-filter: blur(18px) saturate(140%);
  -webkit-backdrop-filter: blur(18px) saturate(140%);
  transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease;
}
.ins-card:hover{ transform: translateY(-4px); border-color: rgba(91,124,250,0.5); box-shadow: var(--shadow-hover); }
.ins-card .ins-emoji{
  width: 52px;
  height: 52px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 26px;
  line-height: 1;
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  margin-bottom: 14px;
}
.ins-card h3{ font-size: 16px; margin-bottom: 8px; }
.ins-card p{ font-size: 13.2px; line-height: 1.6; color: var(--ink-soft); flex: 1; margin-bottom: 16px; }
.ins-card .btn{ width: 100%; padding: 12px 18px; font-size: 13.5px; }
.ins-card .ins-note{ margin-top: 8px; font-size: 11px; color: var(--ink-faint); text-align: center; }

/* контейнер для віджета-калькулятора партнера */
.widget-box{
  background: #FFFFFF;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 22px;
  box-shadow: 0 18px 50px rgba(0,0,0,0.35);
  padding: 26px;
  min-height: 340px;
  position: relative;
  overflow: hidden;
}
.widget-box .wb-head{
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  flex-wrap: wrap;
  padding-bottom: 16px;
  margin-bottom: 18px;
  border-bottom: 1px solid rgba(0,0,0,0.08);
}
.widget-box .wb-title{ font-family: var(--display); font-weight: 700; font-size: 17px; color: #14161F; }
.widget-box .wb-sub{ font-size: 12.5px; color: #5B6178; margin-top: 3px; }
.widget-box .wb-badge{
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #1F7A4D;
  background: rgba(31,122,77,0.10);
  border: 1px solid rgba(31,122,77,0.22);
  border-radius: 100px;
  padding: 6px 12px;
}
.widget-loader{
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 14px;
  min-height: 230px;
  text-align: center;
}
.widget-loader .spinner{
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 3px solid rgba(91,124,250,0.18);
  border-top-color: #5B7CFA;
  animation: spin 0.9s linear infinite;
}
@keyframes spin{ to{ transform: rotate(360deg); } }
.widget-loader .wl-text{ font-size: 13.5px; color: #5B6178; max-width: 420px; line-height: 1.6; }
.widget-skeleton{ width: 100%; max-width: 520px; display: grid; gap: 10px; }
.widget-skeleton span{
  display: block;
  height: 14px;
  border-radius: 8px;
  background: linear-gradient(90deg, #EEF1F6, #E2E7F0, #EEF1F6);
  background-size: 200% 100%;
  animation: shimmer 1.3s linear infinite;
}
.widget-skeleton span:nth-child(2){ width: 78%; }
.widget-skeleton span:nth-child(3){ width: 54%; }
.widget-skeleton span.tall{ height: 44px; border-radius: 12px; }
@media (prefers-reduced-motion: reduce){
  .widget-loader .spinner, .widget-skeleton span{ animation: none; }
}

@media (max-width: 900px){
  .adv-grid{ grid-template-columns: repeat(2, 1fr); }
  .ins-grid{ grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 620px){
  .ins-hero{ padding: 24px 20px; }
  .ins-grid{ grid-template-columns: 1fr; }
  .adv-grid{ grid-template-columns: 1fr; }
  .widget-box{ padding: 18px 14px; border-radius: 18px; }
}

/* ==========================================================================
   21. СТОРІНКА «ПРО НАС»
   ========================================================================== */
.mission-card{
  position: relative;
  overflow: hidden;
  border-radius: var(--radius);
  border: 1px solid rgba(242,179,61,0.34);
  background: linear-gradient(120deg, rgba(242,179,61,0.12), rgba(91,124,250,0.12));
  padding: 30px 32px;
}
.mission-card .eyebrow{ margin-bottom: 8px; }
.mission-card h2{ font-size: clamp(19px, 2.8vw, 26px); margin-bottom: 12px; }
.mission-card p{ font-size: 15px; line-height: 1.72; color: var(--ink-soft); max-width: 760px; }
.mission-card p + p{ margin-top: 10px; }

.fact-grid{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-top: 22px;
}
.fact{
  background: var(--glass-strong);
  border: 1px solid var(--glass-border);
  border-radius: 16px;
  padding: 18px 16px;
  text-align: center;
}
.fact b{
  display: block;
  font-family: var(--stat-font);
  font-size: 25px;
  font-weight: 700;
  color: var(--accent);
  line-height: 1.1;
}
.fact span{ display: block; font-size: 12px; line-height: 1.45; color: var(--ink-soft); margin-top: 6px; }

/* принципи роботи */
.principle{
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: 18px;
  padding: 22px;
}
.principle .p-ico{
  flex-shrink: 0;
  width: 42px;
  height: 42px;
  border-radius: 13px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(242,179,61,0.14);
  border: 1px solid rgba(242,179,61,0.32);
  color: var(--accent);
}
.principle .p-ico svg{ width: 20px; height: 20px; }
.principle h3{ margin-bottom: 7px; }
.principle p{ font-size: 13.4px; line-height: 1.65; color: var(--ink-soft); }

@media (max-width: 900px){
  .fact-grid{ grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 720px){
  .mission-card{ padding: 24px 22px; }
}

/* ==========================================================================
   20. БЛОГ-ЖУРНАЛ: категорії, фільтр і сітка статей
   ========================================================================== */

/* --- кольори категорій --- */
.post-tag.t-credits  { color: var(--accent-2); background: rgba(91,124,250,0.14);  border-color: rgba(91,124,250,0.30); }
.post-tag.t-currency { color: var(--teal);     background: rgba(51,214,176,0.14);  border-color: rgba(51,214,176,0.32); }
.post-tag.t-banks    { color: var(--purple);   background: rgba(165,108,255,0.15); border-color: rgba(165,108,255,0.32); }
.post-tag.t-crypto   { color: var(--accent);   background: rgba(242,179,61,0.14);  border-color: rgba(242,179,61,0.32); }
.post-tag.t-metals   { color: #CBD2E0;         background: rgba(203,210,224,0.12); border-color: rgba(203,210,224,0.28); }
.post-tag.t-forex    { color: #FF9F6B;         background: rgba(255,159,107,0.14); border-color: rgba(255,159,107,0.32); }
.post-tag.t-insurance{ color: #FF8FB1;         background: rgba(255,143,177,0.14); border-color: rgba(255,143,177,0.32); }

/* --- велика картка «рекомендуємо» --- */
.featured-card{
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 26px;
  align-items: center;
  padding: 28px 30px;
  border-radius: var(--radius);
  border: 1px solid rgba(91,124,250,0.34);
  background: linear-gradient(120deg, rgba(91,124,250,0.16), rgba(165,108,255,0.14));
  text-decoration: none;
  color: inherit;
  transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease;
}
.featured-card:hover{ transform: translateY(-3px); border-color: rgba(91,124,250,0.6); box-shadow: var(--shadow-hover); }
.featured-card .fc-label{
  display: inline-block;
  font-size: 10.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent);
  margin-bottom: 10px;
}
.featured-card h2{ font-size: clamp(19px, 2.6vw, 25px); margin-bottom: 10px; }
.featured-card p{ font-size: 14px; line-height: 1.65; color: var(--ink-soft); max-width: 640px; }
.featured-card .fc-meta{ margin-top: 12px; font-size: 12px; color: var(--ink-faint); }
.featured-card .fc-go{
  flex-shrink: 0;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--accent-2), var(--purple));
  color: #fff;
  box-shadow: 0 10px 26px rgba(91,124,250,0.34);
  transition: transform .2s ease;
}
.featured-card:hover .fc-go{ transform: translateX(4px); }
.featured-card .fc-go svg{ width: 20px; height: 20px; }

/* --- панель фільтра категорій --- */
.blog-filter{
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 20px;
}
.filter-chip{
  font-family: var(--body);
  font-size: 13px;
  font-weight: 700;
  color: var(--ink-soft);
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: 100px;
  padding: 9px 16px;
  cursor: pointer;
  white-space: nowrap;
  transition: color .18s ease, background .18s ease, border-color .18s ease;
}
.filter-chip:hover{ color: var(--ink); background: var(--glass-strong); border-color: rgba(255,255,255,0.26); }
.filter-chip.is-active{
  color: #fff;
  background: linear-gradient(135deg, var(--accent-2), var(--purple));
  border-color: transparent;
  box-shadow: 0 8px 20px rgba(91,124,250,0.28);
}
.filter-chip .fc-count{
  display: inline-block;
  margin-left: 7px;
  font-size: 11px;
  font-weight: 700;
  opacity: 0.62;
}

/* --- опис категорії (показується під фільтром) --- */
.cat-intro{
  display: none;
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-left: 3px solid var(--accent-2);
  border-radius: 14px;
  padding: 16px 20px;
  margin-bottom: 22px;
}
.cat-intro.is-active{ display: block; animation: tabIn .25s ease; }
.cat-intro h2{ font-size: 16px; margin-bottom: 6px; }
.cat-intro p{ font-size: 13.4px; line-height: 1.65; color: var(--ink-soft); }
.cat-intro[data-cat="currency"] { border-left-color: var(--teal); }
.cat-intro[data-cat="banks"]    { border-left-color: var(--purple); }
.cat-intro[data-cat="crypto"]   { border-left-color: var(--accent); }
.cat-intro[data-cat="metals"]   { border-left-color: #CBD2E0; }
.cat-intro[data-cat="forex"]    { border-left-color: #FF9F6B; }
.cat-intro[data-cat="insurance"]{ border-left-color: #FF8FB1; }

/* --- сітка журналу --- */
.post-grid--journal{ grid-template-columns: repeat(auto-fill, minmax(292px, 1fr)); }
.post-grid--journal .post-card{ display: flex; flex-direction: column; }
.post-grid--journal .post-card .post-excerpt{ flex: 1; }
.post-card.is-hidden{ display: none; }
.post-card .post-meta{ margin-top: 12px; }

/* картка-заглушка для матеріалів у роботі */
.post-card.is-soon{
  opacity: 0.62;
  pointer-events: none;
  border-style: dashed;
}
.post-card .soon-badge{
  display: inline-block;
  font-size: 10px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--ink-faint);
  border: 1px dashed var(--glass-border);
  border-radius: 100px;
  padding: 4px 10px;
  margin-top: 12px;
}
.blog-empty{
  display: none;
  padding: 30px 20px;
  text-align: center;
  font-size: 14px;
  color: var(--ink-faint);
}
.blog-empty.is-active{ display: block; }

/* ==========================================================================
   19. АДАПТИВ НОВИХ БЛОКІВ
   ========================================================================== */
@media (max-width: 900px){
  .hub-grid{ grid-template-columns: repeat(2, 1fr); }
  .rate-cards{ grid-template-columns: repeat(2, 1fr); }
  .rate-strip{ grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 720px){
  .hub-grid{ grid-template-columns: 1fr; }
  .offer-grid{ grid-template-columns: 1fr; }
  .featured-card{ grid-template-columns: 1fr; gap: 18px; padding: 22px; }
  .featured-card .fc-go{ width: 46px; height: 46px; }
  .blog-filter{
    flex-wrap: nowrap;
    overflow-x: auto;
    padding-bottom: 6px;
    margin-left: -4px;
    padding-left: 4px;
    scrollbar-width: none;
  }
  .blog-filter::-webkit-scrollbar{ display: none; }
  .filter-chip{ font-size: 12.5px; padding: 8px 14px; }
  .tabs{ border-radius: 18px; }
  .tab-btn{ flex: 1 1 auto; padding: 11px 14px; }
  .converter{ grid-template-columns: 1fr; justify-items: center; }
  /* кнопка обміну лишається квадратною: повертаємо лише іконку,
     інакше поворот усього блока розтягував його на всю висоту */
  .conv-swap{ width: 46px; height: 46px; margin: 2px auto; }
  .conv-swap svg{ transform: rotate(90deg); }
  .conv-field{ width: 100%; }
  .dual-cta{ grid-template-columns: 1fr; }
}
@media (max-width: 420px){
  .rate-cards{ grid-template-columns: 1fr; }
  .offer-specs{ grid-template-columns: 1fr; }
}