/* ========================================
   ОСАГО.БИЗ — CSS v2
   Design: Modern Minimalist + Glassmorphism
   Colors: Deep Blue #0D47A1 + Coral #FF6B6B
   Fonts: Poppins (headings) + Inter (body)
   ======================================== */

@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@600;700;800&family=Inter:wght@400;500;600&display=swap');

:root {
    --primary:       #0D47A1;
    --primary-light: #1565C0;
    --primary-dark:  #0A3880;
    --coral:         #FF6B6B;
    --coral-dark:    #e85555;
    --green:         #00C853;
    --bg:            #F9FAFB;
    --bg-white:      #FFFFFF;
    --text:          #1F2937;
    --text-sec:      #6B7280;
    --text-light:    #9CA3AF;
    --border:        #E5E7EB;
    --border-blue:   rgba(13,71,161,0.15);
    --shadow-sm:     0 1px 3px rgba(0,0,0,0.08);
    --shadow-md:     0 4px 16px rgba(13,71,161,0.1), 0 2px 6px rgba(0,0,0,0.05);
    --shadow-lg:     0 10px 40px rgba(13,71,161,0.14), 0 4px 12px rgba(0,0,0,0.07);
    --radius:        12px;
    --radius-lg:     18px;
    --radius-xl:     26px;
    --tr:            0.25s cubic-bezier(0.4,0,0.2,1);
}

*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;font-size:16px}
body{
    background:var(--bg);color:var(--text);
    font-family:'Inter',-apple-system,BlinkMacSystemFont,sans-serif;
    line-height:1.6;overflow-x:hidden;min-height:100vh;
    display:flex;flex-direction:column;
}
img{max-width:100%;height:auto}
a{color:var(--primary);text-decoration:none;transition:var(--tr)}
h1,h2,h3,h4{font-family:'Poppins',sans-serif;line-height:1.2;letter-spacing:-0.3px}
.container{width:100%;max-width:1180px;margin:0 auto;padding:0 24px}

/* HEADER */
.header{
    background:rgba(255,255,255,0.93);backdrop-filter:blur(16px);
    -webkit-backdrop-filter:blur(16px);position:sticky;top:0;z-index:1000;
    border-bottom:1px solid var(--border);box-shadow:var(--shadow-sm);
}
.header .container{display:flex;justify-content:space-between;align-items:center;height:68px}
.logo{display:flex;align-items:center;gap:9px;text-decoration:none}
.logo-icon{font-size:28px}
.logo-text{font-family:'Poppins',sans-serif;font-size:22px;font-weight:800;color:var(--primary);letter-spacing:-0.5px}
.logo-dot{color:var(--coral)}
.nav{display:flex;align-items:center;gap:2px}
.nav a{color:var(--text-sec);font-weight:500;font-size:15px;padding:8px 14px;border-radius:8px;transition:var(--tr)}
.nav a:hover,.nav a.active{color:var(--primary);background:rgba(13,71,161,0.06)}
.tg-btn{
    background:var(--coral)!important;color:#fff!important;
    padding:9px 20px!important;border-radius:50px!important;
    font-weight:600!important;font-size:14px!important;
    display:inline-flex;align-items:center;gap:7px;margin-left:10px;
    transition:var(--tr)!important;box-shadow:0 4px 14px rgba(255,107,107,0.35);
}
.tg-btn:hover{background:var(--coral-dark)!important;transform:translateY(-1px);box-shadow:0 6px 20px rgba(255,107,107,0.45)}
.mobile-menu-btn{display:none;background:none;border:none;cursor:pointer;flex-direction:column;gap:5px;padding:5px}
.mobile-menu-btn span{display:block;width:24px;height:2px;background:var(--text);border-radius:2px;transition:var(--tr)}

/* HERO */
.hero{
    position:relative;padding:80px 0 90px;overflow:hidden;
    background:linear-gradient(135deg,#0A3880 0%,#0D47A1 40%,#1565C0 70%,#1976D2 100%);
}
.hero::before{
    content:'';position:absolute;inset:0;
    background:
        radial-gradient(circle at 15% 85%,rgba(255,107,107,0.18) 0%,transparent 45%),
        radial-gradient(circle at 85% 15%,rgba(255,255,255,0.07) 0%,transparent 40%);
    pointer-events:none;
}
.hero::after{
    content:'';position:absolute;inset:0;
    background-image:radial-gradient(rgba(255,255,255,0.06) 1px,transparent 1px);
    background-size:32px 32px;pointer-events:none;
}
.hero .container{position:relative;z-index:2;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.hero-badge{
    display:inline-flex;align-items:center;gap:6px;
    background:rgba(255,255,255,0.14);border:1px solid rgba(255,255,255,0.25);
    backdrop-filter:blur(8px);color:#fff;font-size:13px;font-weight:600;
    padding:7px 16px;border-radius:50px;margin-bottom:22px;
}
.hero h1{font-size:clamp(2.1rem,3.8vw,3.1rem);font-weight:800;color:#fff;line-height:1.12;margin-bottom:18px}
.hero h1 span{color:var(--coral)}
.hero-sub{font-size:17px;color:rgba(255,255,255,0.82);margin-bottom:36px;line-height:1.65;max-width:440px}
.hero-buttons{display:flex;gap:12px;flex-wrap:wrap}

/* TRUST CARDS (правая колонка hero) */
.hero-right{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.trust-card{
    background:rgba(255,255,255,0.11);backdrop-filter:blur(12px);
    -webkit-backdrop-filter:blur(12px);
    border:1px solid rgba(255,255,255,0.18);border-radius:var(--radius-lg);
    padding:24px 18px;text-align:center;transition:var(--tr);
}
.trust-card:hover{background:rgba(255,255,255,0.18);transform:translateY(-3px)}
.trust-num{font-family:'Poppins',sans-serif;font-size:2.1rem;font-weight:800;color:#fff;line-height:1;margin-bottom:6px}
.trust-num.coral{color:var(--coral)}
.trust-label{font-size:13px;color:rgba(255,255,255,0.72)}

/* КНОПКИ */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 26px;border-radius:50px;font-size:15px;font-weight:600;font-family:'Inter',sans-serif;cursor:pointer;border:none;transition:var(--tr);text-decoration:none;white-space:nowrap}
.btn-white{background:#fff;color:var(--primary);box-shadow:0 4px 14px rgba(0,0,0,0.12)}
.btn-white:hover{background:#f0f5ff;color:var(--primary);transform:translateY(-2px);box-shadow:0 8px 24px rgba(0,0,0,0.18)}
.btn-outline-white{background:transparent;color:#fff;border:2px solid rgba(255,255,255,0.45)}
.btn-outline-white:hover{background:rgba(255,255,255,0.1);border-color:#fff;color:#fff;transform:translateY(-2px)}
.btn-primary{background:var(--primary);color:#fff;box-shadow:0 4px 14px rgba(13,71,161,0.3)}
.btn-primary:hover{background:var(--primary-light);color:#fff;transform:translateY(-2px);box-shadow:0 8px 24px rgba(13,71,161,0.4)}
.btn-coral{background:var(--coral);color:#fff;box-shadow:0 4px 14px rgba(255,107,107,0.35)}
.btn-coral:hover{background:var(--coral-dark);color:#fff;transform:translateY(-2px);box-shadow:0 8px 24px rgba(255,107,107,0.45)}
.btn-green{background:var(--green);color:#fff;box-shadow:0 4px 14px rgba(0,200,83,0.3)}
.btn-green:hover{background:#00e65c;color:#fff;transform:translateY(-2px)}
.btn-ghost{background:rgba(13,71,161,0.06);color:var(--primary);border:1.5px solid var(--border-blue)}
.btn-ghost:hover{background:rgba(13,71,161,0.1)}
.btn-lg{padding:15px 32px;font-size:16px}
.btn-sm{padding:8px 16px;font-size:13px}

/* СЕКЦИИ */
.section{padding:72px 0}
.section-white{background:var(--bg-white)}
.section-gray{background:var(--bg)}
.section-head{margin-bottom:48px}
.section-head.center{text-align:center}
.section-title{font-family:'Poppins',sans-serif;font-size:clamp(1.7rem,3vw,2.3rem);font-weight:800;color:var(--text);margin-bottom:10px;letter-spacing:-0.5px}
.section-sub{font-size:17px;color:var(--text-sec)}

/* КАЛЬКУЛЯТОР */
.calc-section{background:#fff;padding:60px 0;border-bottom:1px solid var(--border)}
.calc-wrap{max-width:780px;margin:0 auto;background:var(--bg);border:1.5px solid var(--border);border-radius:var(--radius-xl);padding:44px;box-shadow:var(--shadow-md)}
.calc-wrap h2{font-family:'Poppins',sans-serif;font-size:1.7rem;font-weight:800;margin-bottom:8px}
.calc-wrap>p{color:var(--text-sec);margin-bottom:30px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:20px}
.form-group{display:flex;flex-direction:column;gap:6px}
.form-group label{font-size:12px;font-weight:700;color:var(--text-sec);text-transform:uppercase;letter-spacing:0.4px}
.form-group input,.form-group select{
    padding:13px 16px;border:1.5px solid var(--border);border-radius:var(--radius);
    font-size:15px;font-family:'Inter',sans-serif;color:var(--text);background:#fff;
    transition:var(--tr);appearance:none;-webkit-appearance:none;
    background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236B7280' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat:no-repeat;background-position:right 14px center;padding-right:36px;
}
.form-group input{background-image:none;padding-right:16px}
.form-group input:focus,.form-group select:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px rgba(13,71,161,0.1)}
.calc-result{background:linear-gradient(135deg,rgba(13,71,161,0.06),rgba(255,107,107,0.04));border:1.5px solid var(--border-blue);border-radius:var(--radius-lg);padding:28px;margin-bottom:24px}
.calc-result-price{font-family:'Poppins',sans-serif;font-size:2.4rem;font-weight:800;color:var(--primary);line-height:1}

/* КАРТОЧКИ */
.cards-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:24px}
.card{background:#fff;border:1.5px solid var(--border);border-radius:var(--radius-lg);padding:30px;transition:var(--tr);box-shadow:var(--shadow-sm)}
.card:hover{border-color:var(--border-blue);box-shadow:var(--shadow-lg);transform:translateY(-4px)}
.card-icon{width:56px;height:56px;background:linear-gradient(135deg,rgba(13,71,161,0.08),rgba(13,71,161,0.03));border-radius:16px;display:flex;align-items:center;justify-content:center;font-size:26px;margin-bottom:18px;border:1px solid rgba(13,71,161,0.1)}
.card h3{font-family:'Poppins',sans-serif;font-size:17px;font-weight:700;margin-bottom:10px}
.card p{font-size:14px;color:var(--text-sec);line-height:1.65}

/* СТРАХОВЫЕ */
.insurer-card{background:#fff;border:1.5px solid var(--border);border-radius:var(--radius-lg);padding:20px 26px;display:flex;align-items:center;justify-content:space-between;gap:16px;transition:var(--tr);box-shadow:var(--shadow-sm)}
.insurer-card:hover{border-color:var(--border-blue);box-shadow:var(--shadow-md);transform:translateX(3px)}
.insurer-rank{font-family:'Poppins',sans-serif;font-size:2rem;font-weight:800;color:var(--border);min-width:40px;line-height:1}
.insurer-info{flex:1}
.insurer-name{font-family:'Poppins',sans-serif;font-size:17px;font-weight:700;margin-bottom:5px}
.insurer-meta{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.stars{display:flex;gap:2px}
.stars i{font-size:12px}
.star-filled{color:#F59E0B}
.star-empty{color:var(--border)}
.review-count{font-size:12px;color:var(--text-light)}

/* БЛОГ */
.blog-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:24px}
.blog-card{background:#fff;border:1.5px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;transition:var(--tr);display:flex;flex-direction:column;box-shadow:var(--shadow-sm)}
.blog-card:hover{border-color:var(--border-blue);box-shadow:var(--shadow-lg);transform:translateY(-4px)}
.blog-card-img{height:190px;background:linear-gradient(135deg,#EFF6FF,#DBEAFE);display:flex;align-items:center;justify-content:center;font-size:52px;overflow:hidden}
.blog-card-img img{width:100%;height:100%;object-fit:cover}
.blog-card-body{padding:22px;flex:1;display:flex;flex-direction:column}
.blog-card-tag{display:inline-block;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:0.5px;color:var(--primary);background:rgba(13,71,161,0.08);padding:4px 10px;border-radius:50px;margin-bottom:10px}
.blog-card h3{font-family:'Poppins',sans-serif;font-size:16px;font-weight:700;margin-bottom:8px;line-height:1.4}
.blog-card p{font-size:14px;color:var(--text-sec);flex:1;margin-bottom:16px;line-height:1.6}
.blog-card-meta{font-size:12px;color:var(--text-light);display:flex;justify-content:space-between;align-items:center}
.blog-card-meta a{color:var(--primary);font-weight:600}

/* FAQ */
.faq-list{max-width:800px;margin:0 auto}
.faq-item{border:1.5px solid var(--border);border-radius:var(--radius-lg);margin-bottom:10px;overflow:hidden;background:#fff;box-shadow:var(--shadow-sm);transition:var(--tr)}
.faq-item:hover{border-color:var(--border-blue)}
.faq-question{padding:20px 24px;font-weight:600;font-size:15px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;transition:var(--tr);user-select:none}
.faq-question:hover,.faq-question.open{color:var(--primary)}
.faq-question.open{border-bottom:1px solid var(--border);background:rgba(13,71,161,0.02)}
.faq-question i{transition:transform var(--tr);font-size:13px;color:var(--text-light);flex-shrink:0;margin-left:12px}
.faq-question.open i{transform:rotate(180deg);color:var(--primary)}
.faq-answer{padding:0 24px;max-height:0;overflow:hidden;transition:max-height 0.35s ease,padding 0.3s ease;font-size:14px;color:var(--text-sec);line-height:1.75}
.faq-answer.open{max-height:600px;padding:18px 24px}

/* CTA */
.cta-section{background:linear-gradient(135deg,var(--primary-dark),var(--primary-light));padding:80px 0;text-align:center;position:relative;overflow:hidden}
.cta-section::before{content:'';position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,0.05) 1px,transparent 1px);background-size:28px 28px}
.cta-section>.container{position:relative;z-index:2}
.cta-section h2{font-family:'Poppins',sans-serif;font-size:clamp(1.7rem,3vw,2.4rem);color:#fff;font-weight:800;margin-bottom:12px}
.cta-section p{color:rgba(255,255,255,0.8);font-size:17px;margin-bottom:36px;max-width:520px;margin-left:auto;margin-right:auto}
.cta-buttons{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* TG БЛОК */
.tg-block{background:#fff;border:1.5px solid var(--border);border-radius:var(--radius-xl);padding:44px;display:flex;align-items:center;gap:44px;max-width:840px;margin:0 auto;box-shadow:var(--shadow-md)}
.tg-block-icon{font-size:80px;flex-shrink:0}
.tg-block h3{font-family:'Poppins',sans-serif;font-size:1.6rem;font-weight:800;margin-bottom:10px}
.tg-block p{color:var(--text-sec);margin-bottom:20px;font-size:16px}
.tg-features{list-style:none;margin-bottom:26px;display:flex;flex-direction:column;gap:10px}
.tg-features li{font-size:14px;color:var(--text-sec);display:flex;align-items:center;gap:10px}
.tg-features li::before{content:'✓';color:var(--green);font-weight:800;font-size:15px}

/* BREADCRUMBS */
.breadcrumbs{padding:14px 0;font-size:13px;color:var(--text-sec);border-bottom:1px solid var(--border);background:#fff}
.breadcrumbs a{color:var(--text-sec)}
.breadcrumbs a:hover{color:var(--primary)}
.breadcrumbs span{margin:0 6px;color:var(--text-light)}

/* PAGE HERO */
.page-hero{background:linear-gradient(135deg,var(--primary-dark),var(--primary-light));padding:52px 0;color:#fff;position:relative;overflow:hidden}
.page-hero::after{content:'';position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,0.06) 1px,transparent 1px);background-size:28px 28px}
.page-hero .container{position:relative;z-index:2}
.page-hero h1{font-family:'Poppins',sans-serif;font-size:clamp(1.7rem,3vw,2.5rem);font-weight:800;margin-bottom:10px}
.page-hero p{color:rgba(255,255,255,0.8);font-size:16px}

/* РЕГИОНЫ */
.regions-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:10px}
.region-link{display:block;padding:12px 16px;border:1.5px solid var(--border);border-radius:var(--radius);background:#fff;color:var(--text);font-size:14px;font-weight:500;transition:var(--tr);box-shadow:var(--shadow-sm)}
.region-link:hover{border-color:var(--primary);color:var(--primary);background:rgba(13,71,161,0.04);transform:translateX(3px)}

/* STATS BAR */
.stats-bar{background:#fff;border-bottom:1px solid var(--border);padding:22px 0;box-shadow:var(--shadow-sm)}
.stats-bar .container{display:flex;justify-content:space-around;align-items:center;flex-wrap:wrap;gap:16px}
.stat-item{text-align:center}
.stat-num{display:block;font-family:'Poppins',sans-serif;font-size:1.8rem;font-weight:800;color:var(--primary);line-height:1}
.stat-num.coral{color:var(--coral)}
.stat-label{font-size:12px;color:var(--text-sec);margin-top:4px}

/* ALERTS */
.alert{padding:14px 18px;border-radius:var(--radius);font-size:14px;margin-bottom:16px}
.alert-info{background:rgba(13,71,161,0.06);border:1.5px solid rgba(13,71,161,0.15);color:#1e3a6e}
.alert-success{background:rgba(0,200,83,0.07);border:1.5px solid rgba(0,200,83,0.25);color:#1B5E20}
.alert-warn{background:rgba(255,160,0,0.07);border:1.5px solid rgba(255,160,0,0.25);color:#E65100}

/* 404 */
.error-page{text-align:center;padding:100px 20px}
.error-code{font-family:'Poppins',sans-serif;font-size:120px;font-weight:900;color:var(--border);line-height:1}

/* FOOTER */
.footer{background:var(--text);color:rgba(255,255,255,0.6);margin-top:auto}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.5fr;gap:40px;padding:60px 0 40px}
.footer-logo{font-family:'Poppins',sans-serif;font-size:22px;font-weight:800;color:#fff;margin-bottom:12px}
.footer-logo span{color:var(--coral)}
.footer-desc{font-size:14px;line-height:1.7;margin-bottom:18px}
.footer-social{display:flex;gap:10px}
.footer-social a{width:36px;height:36px;background:rgba(255,255,255,0.1);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:15px;transition:var(--tr)}
.footer-social a:hover{background:var(--coral)}
.footer-col h3{color:#fff;font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:0.5px;margin-bottom:16px}
.footer-col a{display:block;color:rgba(255,255,255,0.5);font-size:14px;margin-bottom:10px;transition:var(--tr)}
.footer-col a:hover{color:#fff}
.footer-note{font-size:12px;color:rgba(255,255,255,0.3);line-height:1.5;margin-top:12px}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.1);padding:24px 0;font-size:13px}
.footer-bottom p{margin-bottom:6px}
.footer-legal{color:rgba(255,255,255,0.33);font-size:12px;line-height:1.5;margin-bottom:12px!important}
.footer-links{display:flex;gap:20px;flex-wrap:wrap}
.footer-links a{color:rgba(255,255,255,0.38);font-size:12px}
.footer-links a:hover{color:#fff}

/* RESPONSIVE */
@media(max-width:1024px){
    .hero .container{grid-template-columns:1fr;gap:40px}
    .hero-right{grid-template-columns:repeat(4,1fr)}
    .trust-num{font-size:1.7rem}
    .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:768px){
    .header .container{height:62px}
    .nav{display:none;position:fixed;inset:62px 0 0 0;background:rgba(255,255,255,0.98);backdrop-filter:blur(16px);flex-direction:column;padding:20px 16px;gap:4px;overflow-y:auto;z-index:999}
    .nav.open{display:flex}
    .nav a{padding:13px 16px;border-radius:10px;font-size:16px}
    .mobile-menu-btn{display:flex}
    .hero{padding:56px 0 64px}
    .hero-right{grid-template-columns:1fr 1fr}
    .hero-buttons,.cta-buttons{flex-direction:column;align-items:center}
    .hero-buttons .btn,.cta-buttons .btn{justify-content:center}
    .calc-grid{grid-template-columns:1fr}
    .calc-wrap{padding:26px 20px}
    .tg-block{flex-direction:column;text-align:center;padding:30px 24px;gap:20px}
    .tg-block-icon{font-size:60px}
    .footer-grid{grid-template-columns:1fr;gap:28px;padding:40px 0 30px}
    .stats-bar .container{justify-content:space-between}
    .stat-num{font-size:1.5rem}
    .insurer-card{flex-direction:column;align-items:flex-start}
}
@media(max-width:480px){
    .section{padding:52px 0}
    .cards-grid{grid-template-columns:1fr}
    .blog-grid{grid-template-columns:1fr}
    .regions-grid{grid-template-columns:1fr 1fr}
    .hero-right{grid-template-columns:1fr 1fr}
}