/* RUBREK design system v2 — institutional fintech on the existing orange identity.
   Scale: 4px base. Numerals are tabular everywhere money appears. */

:root{
  /* brand */
  --orange:#ff5c00;
  --orange-d:#dd4a00;
  --orange-l:#ff7a2b;
  --coral:#ff3d2e;
  --peach:#ffb56b;

  /* neutrals (warm) */
  --ink:#140d0a;
  --ink-2:#2e211b;
  --body:#4a3c36;
  --muted:#7a6b64;
  --line:#ece2db;
  --line-2:#f5efea;
  --cream:#fdf8f4;
  --sand:#faf3ed;
  --white:#fff;

  /* semantic */
  --green:#0f9d58;
  --green-bg:#eaf7f0;
  --amber:#b26a00;

  --r-sm:10px; --r:16px; --r-lg:22px; --r-xl:30px;
  --sh-1:0 1px 2px rgba(20,13,10,.05), 0 2px 8px rgba(20,13,10,.04);
  --sh-2:0 4px 12px rgba(20,13,10,.06), 0 12px 32px rgba(20,13,10,.07);
  --sh-3:0 18px 50px rgba(20,13,10,.14);
  --ease:cubic-bezier(.16,1,.3,1);
  --nav-h:68px;
  --wrap:1180px;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--nav-h) + 16px);-webkit-text-size-adjust:100%}
body{
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;
  background:var(--white);color:var(--body);line-height:1.6;font-size:17px;
  -webkit-font-smoothing:antialiased;overflow-x:hidden;
  font-feature-settings:'cv05','cv11';
}
img,svg,video{max-width:100%;display:block}
a{color:inherit}
::selection{background:var(--orange);color:#fff}
b,strong{font-weight:700;color:var(--ink)}
.num{font-variant-numeric:tabular-nums;letter-spacing:-.01em}

/* ─────────── layout ─────────── */
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.wrap-narrow{max-width:760px;margin:0 auto;padding:0 24px}
section{padding:96px 0}
section.tight{padding:64px 0}
.bg-cream{background:var(--cream)}
.bg-sand{background:var(--sand)}
.bg-ink{background:var(--ink);color:#cfc3bc}
.bg-ink h2,.bg-ink h3,.bg-ink b{color:#fff}

/* ─────────── type ─────────── */
h1,h2,h3,h4{color:var(--ink);font-weight:700;letter-spacing:-.025em;line-height:1.1}
h1{font-size:clamp(2.4rem,5.2vw,3.9rem);font-weight:800;letter-spacing:-.035em;line-height:1.05}
h2{font-size:clamp(1.85rem,3.6vw,2.7rem);letter-spacing:-.03em;line-height:1.12}
h3{font-size:clamp(1.2rem,2vw,1.45rem)}
h4{font-size:1.02rem;letter-spacing:-.01em}
.lead{font-size:clamp(1.06rem,1.7vw,1.25rem);color:var(--muted);line-height:1.55}
.kick{display:inline-block;font-size:.76rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--orange-d);margin-bottom:16px}
.sec-head{max-width:720px;margin-bottom:48px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head p{margin-top:16px}
.prose p{margin:0 0 18px}
.prose h2{margin:44px 0 16px}
.prose h3{margin:32px 0 12px}
.prose ul,.prose ol{margin:0 0 20px;padding-left:22px}
.prose li{margin-bottom:9px}
.prose a{color:var(--orange-d);text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px}
.prose a:hover{color:var(--coral)}
.prose>:first-child{margin-top:0}

/* ─────────── buttons ─────────── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-weight:600;font-size:1rem;
  padding:14px 26px;border-radius:999px;text-decoration:none;border:1px solid transparent;cursor:pointer;
  transition:transform .3s var(--ease),box-shadow .3s var(--ease),background .2s,color .2s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--orange);color:#fff;box-shadow:0 6px 18px rgba(255,92,0,.28)}
.btn-primary:hover{background:var(--orange-d);box-shadow:0 12px 30px rgba(255,92,0,.34)}
.btn-white{background:#fff;color:var(--ink);box-shadow:var(--sh-2)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--ink);background:var(--white)}
.btn-ghost-l{background:transparent;color:#fff;border-color:rgba(255,255,255,.42)}
.btn-ghost-l:hover{background:rgba(255,255,255,.12)}
.btn-sm{padding:10px 18px;font-size:.92rem}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.btn-row.center{justify-content:center}
.btn-note{font-size:.88rem;color:var(--muted)}

/* ─────────── header ─────────── */
.hdr{position:sticky;top:0;z-index:200;background:rgba(255,255,255,.86);backdrop-filter:blur(16px) saturate(160%);
  border-bottom:1px solid var(--line)}
.hdr-in{max-width:var(--wrap);margin:0 auto;padding:0 24px;height:var(--nav-h);display:flex;align-items:center;gap:28px}
.logo{display:flex;align-items:center;gap:9px;text-decoration:none;font-weight:800;font-size:1.22rem;letter-spacing:-.02em;color:var(--ink)}
.logo img{width:30px;height:30px}
.nav{display:flex;align-items:center;gap:2px;margin-left:6px}
.nav>li{list-style:none;position:relative}
.nav>li>a,.nav>li>button{display:flex;align-items:center;gap:5px;font:inherit;font-size:.95rem;font-weight:500;color:var(--ink-2);
  background:none;border:0;padding:9px 13px;border-radius:10px;text-decoration:none;cursor:pointer;transition:background .2s,color .2s}
.nav>li>a:hover,.nav>li>button:hover,.nav>li.open>button{background:var(--line-2);color:var(--ink)}
.nav>li>a[aria-current]{color:var(--orange-d);font-weight:600}
.nav .caret{width:9px;height:9px;transition:transform .25s}
.nav>li.open .caret{transform:rotate(180deg)}
.drop{position:absolute;top:calc(100% + 10px);left:-8px;min-width:520px;background:#fff;border:1px solid var(--line);
  border-radius:var(--r-lg);box-shadow:var(--sh-3);padding:14px;display:none;grid-template-columns:1fr 1fr;gap:4px}
.nav>li.open .drop{display:grid}
.drop a{display:block;padding:11px 13px;border-radius:12px;text-decoration:none;transition:background .18s}
.drop a:hover{background:var(--cream)}
.drop b{display:block;font-size:.95rem;color:var(--ink);margin-bottom:2px}
.drop span{font-size:.83rem;color:var(--muted);line-height:1.4;display:block}
.hdr-cta{margin-left:auto;display:flex;align-items:center;gap:10px}
.burger{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:42px;height:42px;
  align-items:center;justify-content:center;cursor:pointer;margin-left:auto}
.burger span{display:block;width:18px;height:2px;background:var(--ink);position:relative}
.burger span:before,.burger span:after{content:'';position:absolute;left:0;width:18px;height:2px;background:var(--ink)}
.burger span:before{top:-6px}.burger span:after{top:6px}
.mnav{display:none;border-top:1px solid var(--line);background:#fff;max-height:calc(100vh - var(--nav-h));overflow:auto;padding:12px 24px 28px}
.mnav.open{display:block}
.mnav h5{font-size:.74rem;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);margin:20px 0 6px;font-weight:700}
.mnav a{display:block;padding:11px 0;border-bottom:1px solid var(--line-2);text-decoration:none;color:var(--ink);font-weight:500}
.mnav .btn{width:100%;margin-top:22px}

/* ─────────── hero ─────────── */
.hero{position:relative;background:linear-gradient(135deg,var(--coral) 0%,var(--orange) 52%,#ff8a2b 100%);color:#fff;overflow:hidden;
  padding:88px 0 96px}
.hero:before{content:'';position:absolute;inset:0;background:
  radial-gradient(60% 70% at 82% 18%,rgba(255,255,255,.20),transparent 60%),
  radial-gradient(46% 60% at 8% 92%,rgba(255,61,46,.34),transparent 60%);pointer-events:none}
.hero .wrap{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center}
.hero h1{color:#fff;max-width:12ch}
.hero .lead{color:rgba(255,255,255,.9);margin-top:20px;max-width:44ch;font-size:1.16rem}
.hero .kick{color:rgba(255,255,255,.86)}
.hero .btn-row{margin-top:34px}
.hero-badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:28px}
.hero-badges span{display:inline-flex;align-items:center;gap:6px;font-size:.85rem;font-weight:500;
  background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.24);padding:7px 13px;border-radius:999px}
.hero-sub{padding:0 0 0;background:var(--ink)}

/* стат-полоса под героем */
.statstrip{background:var(--ink);color:#fff;padding:0}
.statstrip-in{max-width:var(--wrap);margin:0 auto;padding:0 24px;display:grid;grid-template-columns:repeat(4,1fr)}
.statstrip .st{padding:30px 26px 30px 0;border-right:1px solid rgba(255,255,255,.1)}
.statstrip .st:last-child{border-right:0}
.statstrip b{display:block;font-size:1.9rem;font-weight:800;letter-spacing:-.035em;color:#fff;line-height:1.1}
.statstrip span{display:block;font-size:.87rem;color:#a2938c;margin-top:5px}

/* ─────────── cards / grids ─────────── */
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;transition:border-color .3s,box-shadow .3s,transform .3s var(--ease)}
.card:hover{border-color:#dfd2c9;box-shadow:var(--sh-2)}
.card h3{margin-bottom:10px;font-size:1.16rem}
.card p{font-size:.97rem;color:var(--muted)}
.card .ic{width:44px;height:44px;border-radius:13px;background:var(--sand);border:1px solid var(--line);display:flex;
  align-items:center;justify-content:center;margin-bottom:18px;color:var(--orange-d)}
.card .ic svg{width:21px;height:21px}
.card-link{text-decoration:none;display:block}
.card-link .more{display:inline-flex;align-items:center;gap:6px;margin-top:16px;font-weight:600;font-size:.93rem;color:var(--orange-d)}
.card-link:hover .more{gap:10px}

/* нумерованные шаги */
.steps{counter-reset:s;display:grid;gap:2px}
.step{display:grid;grid-template-columns:64px 1fr;gap:24px;padding:26px 0;border-top:1px solid var(--line)}
.step:last-child{border-bottom:1px solid var(--line)}
.step-n{font-size:.9rem;font-weight:700;color:var(--orange-d);font-variant-numeric:tabular-nums;padding-top:3px}
.step h3{margin-bottom:8px}
.step p{color:var(--muted);font-size:1rem;max-width:62ch}

/* таблицы */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-lg);background:#fff}
table{width:100%;border-collapse:collapse;font-size:.97rem}
th,td{text-align:left;padding:16px 20px;border-bottom:1px solid var(--line-2)}
th{font-size:.78rem;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);font-weight:700;background:var(--cream)}
tbody tr:last-child td{border-bottom:0}
tbody tr:hover{background:var(--cream)}
td.hi{font-weight:700;color:var(--ink);font-variant-numeric:tabular-nums}
tr.best td{background:#fff6f0}
tr.best td.hi{color:var(--orange-d)}

/* факт-строки */
.facts{display:grid;gap:0;border-top:1px solid var(--line)}
.fact{display:grid;grid-template-columns:240px 1fr;gap:24px;padding:18px 0;border-bottom:1px solid var(--line)}
.fact dt{font-weight:600;color:var(--ink);font-size:.97rem}
.fact dd{color:var(--muted);font-size:.97rem}

/* чек-лист */
.checks{list-style:none;display:grid;gap:13px;padding:0}
.checks li{display:grid;grid-template-columns:22px 1fr;gap:12px;align-items:start;font-size:1rem}
.checks li:before{content:'';width:20px;height:20px;border-radius:50%;background:var(--green-bg);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230f9d58' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size:12px;background-repeat:no-repeat;background-position:center;margin-top:3px}
.checks.x li:before{background:#fdecea;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23d33a2c' stroke-width='3.4' stroke-linecap='round'%3E%3Cline x1='18' y1='6' x2='6' y2='18'/%3E%3Cline x1='6' y1='6' x2='18' y2='18'/%3E%3C/svg%3E")}

/* split: текст + медиа */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split img{border-radius:var(--r-lg);box-shadow:var(--sh-2);width:100%;object-fit:cover}
.split.rev .split-media{order:-1}

/* цитата / выноска */
.callout{background:var(--sand);border-left:3px solid var(--orange);border-radius:0 var(--r) var(--r) 0;padding:22px 26px;margin:28px 0}
.callout p:last-child{margin-bottom:0}
.callout b{color:var(--ink)}

/* KPI-плитки */
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.kpi{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px}
.kpi span{font-size:.83rem;color:var(--muted);display:block}
.kpi b{display:block;font-size:1.85rem;font-weight:800;letter-spacing:-.035em;color:var(--ink);margin:8px 0 4px;font-variant-numeric:tabular-nums}
.kpi em{font-style:normal;font-size:.85rem;color:var(--muted)}
.kpi.hl{background:linear-gradient(135deg,var(--coral),var(--orange));border-color:transparent;color:#fff}
.kpi.hl span,.kpi.hl em{color:rgba(255,255,255,.85)}
.kpi.hl b{color:#fff}

/* доверие: рельсы логотипов */
.rails{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.rails-in{display:flex;gap:56px;align-items:center;width:max-content;animation:rail 42s linear infinite}
.rails img{height:26px;width:auto;opacity:.42;filter:grayscale(1);transition:opacity .3s,filter .3s}
.rails img:hover{opacity:1;filter:none}
@keyframes rail{to{transform:translateX(-50%)}}

/* FAQ */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:22px 44px 22px 0;font-weight:600;color:var(--ink);position:relative;font-size:1.04rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:'';position:absolute;right:8px;top:28px;width:11px;height:11px;border-right:2px solid var(--muted);
  border-bottom:2px solid var(--muted);transform:rotate(45deg);transition:transform .25s}
.faq details[open] summary:after{transform:rotate(-135deg)}
.faq .a{padding:0 60px 24px 0;color:var(--muted)}
.faq .a p{margin-bottom:12px}
.faq .a p:last-child{margin-bottom:0}

/* CTA-полоса */
.cta{background:linear-gradient(135deg,var(--coral),var(--orange) 60%,#ff8a2b);color:#fff;border-radius:var(--r-xl);
  padding:64px 56px;text-align:center;position:relative;overflow:hidden}
.cta:before{content:'';position:absolute;inset:0;background:radial-gradient(50% 70% at 78% 22%,rgba(255,255,255,.22),transparent 62%)}
.cta>*{position:relative;z-index:2}
.cta h2{color:#fff;max-width:20ch;margin:0 auto}
.cta p{color:rgba(255,255,255,.9);margin:16px auto 0;max-width:52ch}
.cta .btn-row{margin-top:30px;justify-content:center}

/* хлебные крошки */
.crumbs{font-size:.85rem;color:var(--muted);padding:20px 0 0}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0}
.crumbs li:after{content:'/';margin-left:8px;color:var(--line)}
.crumbs li:last-child:after{display:none}
.crumbs a{text-decoration:none}
.crumbs a:hover{color:var(--orange-d)}

/* шапка внутренней страницы */
.phead{background:var(--cream);border-bottom:1px solid var(--line);padding:0 0 56px}
.phead h1{margin-top:20px;max-width:21ch;font-size:clamp(2.1rem,4.2vw,3.15rem)}
.phead .lead{margin-top:18px;max-width:60ch}
.phead .btn-row{margin-top:28px}
.phead + section{padding-top:64px}

/* блог */
.post-meta{font-size:.87rem;color:var(--muted);display:flex;gap:14px;flex-wrap:wrap;margin-top:18px}
.post-list{display:grid;gap:2px;border-top:1px solid var(--line)}
.post-item{display:grid;grid-template-columns:150px 1fr;gap:28px;padding:26px 0;border-bottom:1px solid var(--line);text-decoration:none;align-items:start}
.post-item:hover h3{color:var(--orange-d)}
.post-item time{font-size:.86rem;color:var(--muted);padding-top:4px}
.post-item h3{font-size:1.22rem;margin-bottom:7px}
.post-item p{color:var(--muted);font-size:.97rem;max-width:70ch}
.toc{background:var(--cream);border:1px solid var(--line);border-radius:var(--r);padding:22px 26px;margin:0 0 34px}
.toc h4{margin-bottom:12px}
.toc ol{margin:0;padding-left:20px}
.toc li{margin-bottom:7px;font-size:.96rem}
.toc a{text-decoration:none;color:var(--body)}
.toc a:hover{color:var(--orange-d)}

/* footer */
.ftr{background:var(--ink);color:#a2938c;padding:72px 0 34px;font-size:.93rem}
.ftr-grid{display:grid;grid-template-columns:1.5fr repeat(4,1fr);gap:36px}
.ftr h5{font-size:.76rem;letter-spacing:.13em;text-transform:uppercase;color:#6f605a;margin-bottom:16px;font-weight:700}
.ftr ul{list-style:none}
.ftr li{margin-bottom:10px}
.ftr a{text-decoration:none;color:#a2938c;transition:color .2s}
.ftr a:hover{color:#fff}
.ftr-brand .logo{color:#fff;margin-bottom:16px}
.ftr-brand p{max-width:34ch;font-size:.9rem;line-height:1.6}
.ftr-bot{margin-top:52px;padding-top:26px;border-top:1px solid rgba(255,255,255,.09);display:flex;justify-content:space-between;
  gap:20px;flex-wrap:wrap;font-size:.85rem;color:#6f605a}
.ftr-disc{margin-top:22px;font-size:.79rem;line-height:1.6;color:#6f605a;max-width:none}

/* reveal */
.rv{opacity:0;transform:translateY(24px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.rv.in{opacity:1;transform:none}

/* ─────────── адаптив ─────────── */
@media (max-width:1000px){
  .nav,.hdr-cta{display:none}
  .burger{display:flex}
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .hero h1{max-width:none}
  .split{grid-template-columns:1fr;gap:32px}
  .split.rev .split-media{order:0}
  .g4{grid-template-columns:repeat(2,1fr)}
  .kpis{grid-template-columns:repeat(2,1fr)}
  .statstrip-in{grid-template-columns:repeat(2,1fr)}
  .statstrip .st{border-right:0;border-bottom:1px solid rgba(255,255,255,.1);padding:24px 0}
  .ftr-grid{grid-template-columns:repeat(2,1fr);gap:32px}
}
@media (max-width:700px){
  body{font-size:16px}
  section{padding:64px 0}
  .g2,.g3,.g4,.kpis{grid-template-columns:1fr}
  .statstrip-in{grid-template-columns:1fr}
  .step{grid-template-columns:1fr;gap:8px}
  .fact{grid-template-columns:1fr;gap:4px}
  .post-item{grid-template-columns:1fr;gap:6px}
  .cta{padding:44px 24px;border-radius:var(--r-lg)}
  .ftr-grid{grid-template-columns:1fr}
  .wrap,.wrap-narrow{padding:0 18px}
}
@media (prefers-reduced-motion:reduce){
  *,*:before,*:after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important}
  html{scroll-behavior:auto}
  .rv{opacity:1;transform:none}
}