/* «Ипотека для всех» — calculators in the course style: dark navy, Liquid Glass cards, Inter, blue / teal / gold accents */
:root{
  --bg0:#070B16; --bg1:#0E1A33; --blue:#3D6BFF; --blue2:#6E8FFF; --teal:#18C8B4; --gold0:#F5B942; --gold1:#FFD98A;
  --text:#F4F6FB; --dim:#9AA6BF; --good:#34D399; --warn:#FFB86B; --bad:#FF6B6B;
  --glass:linear-gradient(150deg,rgba(255,255,255,.095),rgba(255,255,255,.035));
  --edge:linear-gradient(150deg,rgba(255,255,255,.42),rgba(255,255,255,.07) 42%,rgba(110,143,255,.35));
  --r:24px; --f:"Inter",system-ui,-apple-system,sans-serif;
  color-scheme:dark;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;background:#070B16;touch-action:manipulation;-webkit-tap-highlight-color:transparent}
/* switching pages: a quick cross-fade instead of a blink; the header and the nav stay put */
@view-transition{navigation:auto}
::view-transition-old(root),::view-transition-new(root){animation-duration:.16s}
.nav{view-transition-name:nav}
body{margin:0;min-height:100vh;background:var(--bg0);color:var(--text);font:400 16px/1.5 var(--f);letter-spacing:-.011em;
  padding:env(safe-area-inset-top,0) 0 calc(env(safe-area-inset-bottom,0px) + 104px);-webkit-font-smoothing:antialiased}
[hidden]{display:none!important}
button,input,select{font:inherit;color:inherit;letter-spacing:inherit}

/* living background: two soft glows + dot grid */
.bg{position:fixed;inset:0;z-index:-1;overflow:hidden;background:radial-gradient(120% 80% at 50% 0%,var(--bg1),var(--bg0) 70%)}
.bg{transform:translateZ(0)}
.bg::before,.bg::after{content:"";position:absolute;border-radius:50%;opacity:.55}
.bg::before{width:700px;height:700px;left:-250px;top:-210px;background:radial-gradient(circle,rgba(61,107,255,.5),rgba(61,107,255,.18) 35%,transparent 68%)}
.bg::after{width:640px;height:640px;right:-250px;top:34%;background:radial-gradient(circle,rgba(24,200,180,.3),rgba(24,200,180,.1) 35%,transparent 68%)}
.bg i{position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.09) 1px,transparent 1.2px);background-size:26px 26px;
  -webkit-mask-image:linear-gradient(#000,transparent 80%);mask-image:linear-gradient(#000,transparent 80%)}

.wrap{max-width:1040px;margin:0 auto;padding:20px 16px 24px}

/* header: logo left, on desktop the nav sits on the right */
.top{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:6px 0 18px}
.logo{display:flex;align-items:center;gap:10px;color:var(--text);text-decoration:none;font:700 19px/1 var(--f);letter-spacing:-.02em}
.logo b{background:linear-gradient(120deg,var(--gold0),var(--gold1) 55%,var(--gold0));-webkit-background-clip:text;background-clip:text;color:transparent}
.logo svg{width:30px;height:30px;flex:none}

/* glass */
.glass{position:relative;background:var(--glass) padding-box,var(--edge) border-box;border:1px solid transparent;border-radius:var(--r);
  box-shadow:0 24px 60px rgba(0,0,0,.35),inset 0 1px 0 rgba(255,255,255,.10)}
.glass>*{position:relative;z-index:1}
.glass::after{content:"";position:absolute;inset:0;border-radius:inherit;pointer-events:none;z-index:0;
  background:radial-gradient(ellipse 60% 40% at 18% 0%,rgba(255,255,255,.12),transparent 70%)}

/* nav: floating glass pill above the bottom edge on phones, inside the header on wide screens */
.nav{position:fixed;z-index:20;left:50%;transform:translateX(-50%);bottom:calc(env(safe-area-inset-bottom,0px) + 18px);
  display:flex;gap:4px;padding:6px;border-radius:999px;width:min(420px,calc(100% - 32px))}
.nav a{flex:1;display:flex;flex-direction:column;align-items:center;gap:3px;padding:8px 6px 7px;border-radius:999px;color:var(--dim);
  text-decoration:none;font:600 12.5px/1 var(--f);position:relative;z-index:1}
.nav a svg{width:22px;height:22px}
.nav a[aria-current="page"]{color:#fff;background:linear-gradient(160deg,rgba(61,107,255,.95),rgba(61,107,255,.7));box-shadow:0 6px 18px rgba(61,107,255,.45),inset 0 1px 0 rgba(255,255,255,.35)}
.nav a:focus-visible{outline:2px solid var(--gold1);outline-offset:2px}
@media (min-width:900px){
  body{padding-bottom:40px}
  .nav{position:relative;left:auto;bottom:auto;transform:none;width:auto;flex:none}
  .nav a{flex-direction:row;gap:8px;padding:10px 18px;font-size:14.5px}
  .nav a svg{width:18px;height:18px}
}

/* type */
h1{font:700 clamp(30px,6.4vw,48px)/1.08 var(--f);letter-spacing:-.035em;margin:10px 0 8px;text-wrap:balance}
.sub{color:var(--dim);margin:0 0 22px;font-size:16.5px;max-width:52ch}
.grad{background:linear-gradient(120deg,#fff,#CFE0FF 60%,#9EF0E4);-webkit-background-clip:text;background-clip:text;color:transparent}

/* home tiles */
.tiles{display:grid;gap:14px;grid-template-columns:1fr}
@media (min-width:700px){.tiles{grid-template-columns:1fr 1fr}}
.tile{display:flex;gap:16px;align-items:center;padding:20px;color:inherit;text-decoration:none;transition:transform .35s cubic-bezier(.34,1.56,.64,1)}
@media (hover:hover){.tile:hover{transform:translateY(-3px)}}
.tile:active{transform:scale(.98)}
.tile .ic{flex:none;width:54px;height:54px;border-radius:17px;display:grid;place-items:center;
  background:linear-gradient(160deg,var(--blue2),var(--blue));box-shadow:0 10px 24px rgba(61,107,255,.45),inset 0 1px 0 rgba(255,255,255,.4)}
.tile .ic svg{width:28px;height:28px;color:#fff}
.tile.teal .ic{background:linear-gradient(160deg,#4FE3D1,var(--teal));box-shadow:0 10px 24px rgba(24,200,180,.35),inset 0 1px 0 rgba(255,255,255,.4)}
.tile.gold .ic{background:linear-gradient(160deg,var(--gold1),var(--gold0));box-shadow:0 10px 24px rgba(245,185,66,.35),inset 0 1px 0 rgba(255,255,255,.5)}
.tile.gold .ic svg{color:#3a2600}
.tile b{display:block;color:var(--text);font:650 19px/1.25 var(--f);letter-spacing:-.02em}
.tile span{display:block;color:var(--dim);font-size:14.5px;margin-top:3px}
.tile .go{margin-left:auto;flex:none;width:22px;height:22px;color:var(--dim)}
.tile.wide{grid-column:1/-1}
.fine{color:var(--dim);font-size:13px;line-height:1.5;margin:18px 2px 0}

/* calculator screen */
.back{display:inline-flex;align-items:center;gap:6px;color:var(--dim);text-decoration:none;font-weight:500;font-size:15px}
.back svg{width:18px;height:18px}
.calc{display:grid;gap:14px;grid-template-columns:minmax(0,1fr)}
@media (min-width:900px){.calc{grid-template-columns:400px minmax(0,1fr);align-items:start}}
.form{padding:20px;display:grid;gap:16px}
.field{display:grid;gap:7px}
.field>span{font-size:14px;color:var(--dim);font-weight:500}
.inp{display:flex;align-items:center;border-radius:16px;background:rgba(5,9,20,.55);border:1px solid rgba(255,255,255,.12);transition:border-color .2s}
.inp:focus-within{border-color:var(--blue2);box-shadow:0 0 0 4px rgba(61,107,255,.2)}
.inp input{flex:1;min-width:0;width:100%;border:0;background:transparent;font:600 22px/1 var(--f);letter-spacing:-.02em;padding:15px 16px;font-variant-numeric:tabular-nums;outline:0}
.inp em{font-style:normal;color:var(--dim);padding-right:16px;font-weight:500}
.seg{display:flex;flex-wrap:wrap;gap:8px}
.seg button{border:1px solid rgba(255,255,255,.14);background:rgba(255,255,255,.04);padding:10px 14px;border-radius:22px;line-height:1.25;text-align:left;cursor:pointer;font-weight:500;font-size:14.5px;color:var(--text)}
.seg button small{display:block;font-size:12px;font-weight:500;color:var(--dim);margin-top:1px}
.seg button[aria-pressed="true"] small{color:rgba(255,255,255,.8)}
.seg button[aria-pressed="true"]{background:linear-gradient(160deg,var(--blue2),var(--blue));border-color:transparent;box-shadow:0 6px 16px rgba(61,107,255,.4)}
.seg button:focus-visible,.more:focus-visible{outline:2px solid var(--gold1);outline-offset:2px}
.tog{display:flex;align-items:center;gap:10px;font-size:14.5px;color:var(--dim);cursor:pointer}
.tog input{width:20px;height:20px;accent-color:var(--blue)}

.answer{padding:24px 22px;display:grid;gap:6px}
.answer .k{font-size:14.5px;color:var(--dim);font-weight:500}
.answer .big{font:800 clamp(40px,9vw,60px)/1 var(--f);letter-spacing:-.045em;font-variant-numeric:tabular-nums}
.answer .big small{font-size:.42em;font-weight:600;color:var(--dim);letter-spacing:-.01em}
.answer .say{font-size:17px;line-height:1.45;margin:8px 0 0}
.answer .say b{color:var(--gold1);font-weight:650}
.pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.pill{font-size:13.5px;font-weight:600;padding:6px 12px;border-radius:999px;background:rgba(61,107,255,.18);color:#CFE0FF}
.pill.t{background:rgba(24,200,180,.16);color:#9EF0E4}

.list{display:grid;gap:10px}
.row{display:flex;align-items:center;gap:14px;padding:15px 18px}
.row .nm{font-weight:650;letter-spacing:-.015em}
.row .ds{color:var(--dim);font-size:13.5px;margin-top:2px}
.row .pm{margin-left:auto;text-align:right;flex:none;font-variant-numeric:tabular-nums}
.row .pm b{display:block;font-size:18px;letter-spacing:-.02em}
.row .pm span{font-size:12.5px;color:var(--dim)}
.row.no{opacity:.62}
.tag{display:inline-block;font-size:12px;font-weight:600;padding:2px 9px;border-radius:999px;margin-left:6px;vertical-align:2px}
.tag.ok{background:rgba(52,211,153,.16);color:var(--good)}
.tag.warn{background:rgba(255,184,107,.16);color:var(--warn)}
.tag.who{background:rgba(245,185,66,.16);color:var(--gold1)}
.tag.no{background:rgba(255,107,107,.14);color:var(--bad)}
.more{justify-self:start;display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(255,255,255,.16);background:rgba(255,255,255,.05);
  color:var(--text);border-radius:999px;padding:12px 18px;font-weight:600;cursor:pointer}
.more svg{width:18px;height:18px;transition:transform .3s}
.more[aria-expanded="true"] svg{transform:rotate(180deg)}
h2{font:700 20px/1.2 var(--f);letter-spacing:-.025em;margin:8px 2px 0}
.two{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:12px}
.explain{padding:18px 20px;display:grid;gap:10px}
.explain p{margin:0;color:#D6DCEA;font-size:15px;line-height:1.55}
.explain b{color:var(--text)}
.row .when{flex:none;width:96px;font-weight:700;color:var(--gold1);font-size:14px;line-height:1.3}
@media (max-width:420px){.row .when{width:76px}}
.about{display:grid;gap:12px;padding-top:16px;border-top:1px solid rgba(255,255,255,.1)}
.about-h{font:700 17px/1.2 var(--f);letter-spacing:-.02em}
.about-h small{display:block;font:500 13.5px/1.4 var(--f);color:var(--dim);margin-top:3px;letter-spacing:0}
.about .age{max-width:170px}
.tog{align-items:flex-start;line-height:1.4}
.tog input{flex:none;margin:0}
.row.note{border-color:transparent;background:linear-gradient(150deg,rgba(245,185,66,.16),rgba(245,185,66,.05)) padding-box,linear-gradient(150deg,rgba(255,217,138,.6),rgba(255,217,138,.08) 50%,rgba(245,185,66,.3)) border-box}
.row.note .nm{color:var(--gold1)}
button.row{width:100%;font:inherit;color:inherit;text-align:left;cursor:pointer;transition:transform .3s cubic-bezier(.34,1.56,.64,1)}
@media (hover:hover){button.row:hover{transform:translateY(-2px)}}
button.row:active{transform:scale(.985)}
button.row:focus-visible{outline:2px solid var(--gold1);outline-offset:2px}
.row.sel{opacity:1;background:linear-gradient(150deg,rgba(61,107,255,.28),rgba(61,107,255,.08)) padding-box,linear-gradient(150deg,rgba(143,170,255,.9),rgba(61,107,255,.25)) border-box}
.hint{margin:6px 0 0;color:var(--dim);font-size:14px}
.link{justify-self:start;margin-top:8px;border:0;background:none;color:#9DB6FF;font:600 15px/1.3 var(--f);padding:0;cursor:pointer}
.answer{scroll-margin-top:16px}
/* folded form on phones */
.fold{display:none;align-items:center;gap:12px;padding:14px 16px}
.fold-t{flex:1;min-width:0}
.fold-t small{display:block;color:var(--dim);font-size:12.5px;font-weight:600;margin-bottom:2px}
.fold-t span{display:block;font-weight:600;font-size:15px;line-height:1.4}
.fold-b,.go-btn{border:0;color:#fff;cursor:pointer;background:linear-gradient(160deg,var(--blue2),var(--blue));box-shadow:0 8px 20px rgba(61,107,255,.4),inset 0 1px 0 rgba(255,255,255,.3)}
.fold-b{flex:none;border-radius:999px;padding:10px 14px;font:600 14px/1.2 var(--f)}
.go-btn{display:block;width:100%;border-radius:16px;padding:16px;font:700 17px/1 var(--f);letter-spacing:-.01em;margin-top:4px}
.fold-b:focus-visible,.go-btn:focus-visible{outline:2px solid var(--gold1);outline-offset:2px}
h1{scroll-margin-top:12px}
@media (max-width:899px){.folded .form{display:none}.folded .fold{display:flex}}
@media (min-width:900px){.go-btn,.fold{display:none!important}}
/* «Что дальше» */
.next{padding:20px 22px;display:grid;gap:12px}
.next-h{font:700 18px/1.25 var(--f);letter-spacing:-.02em}
.where{padding:12px 14px;border-radius:14px;background:rgba(24,200,180,.12);border:1px solid rgba(24,200,180,.28);font-weight:600;line-height:1.45}
.where small{display:block;color:#9EF0E4;font-size:12.5px;font-weight:700;letter-spacing:.02em;text-transform:uppercase;margin-bottom:3px}
.next ol{margin:0;padding:0;list-style:none;counter-reset:s;display:grid;gap:10px}
.next li{counter-increment:s;display:grid;grid-template-columns:28px 1fr;gap:10px;line-height:1.45;color:#D6DCEA}
.next li::before{content:counter(s);width:28px;height:28px;border-radius:50%;display:grid;place-items:center;font:700 14px/1 var(--f);color:#fff;background:linear-gradient(160deg,var(--blue2),var(--blue))}
.next-f{color:var(--dim);font-size:13.5px;line-height:1.5}
.nav{background:linear-gradient(150deg,rgba(30,40,70,.9),rgba(14,22,44,.94)) padding-box,var(--edge) border-box;-webkit-backdrop-filter:blur(20px) saturate(150%);backdrop-filter:blur(20px) saturate(150%)}
.nav a{touch-action:manipulation;min-height:48px;justify-content:center}
/* Liquid Glass lens on the nav (like iOS 26): it sits under the current tab; press and slide — a clear glass lens
   follows the finger and swells; let go on a tab to open it. Set up by liquidNav() in app.js. */
.nav{touch-action:none;-webkit-user-select:none;user-select:none}
.nav a{-webkit-touch-callout:none}
.nav.ready a[aria-current="page"]{background:none;box-shadow:none}
.lens{position:absolute;z-index:0;top:6px;bottom:6px;left:0;width:0;border-radius:999px;pointer-events:none;
  transform:translateX(var(--x,0px));
  background:linear-gradient(160deg,rgba(61,107,255,.95),rgba(61,107,255,.7));
  box-shadow:0 6px 18px rgba(61,107,255,.45),inset 0 1px 0 rgba(255,255,255,.35)}
.nav.ready .lens{transition:transform .5s cubic-bezier(.34,1.45,.64,1),width .3s,background .25s,box-shadow .25s}
.nav.drag .lens{transform:translateX(var(--x,0px)) scale(1.16,1.24);transition:transform .09s linear,width .2s,background .2s,box-shadow .2s;
  background:linear-gradient(160deg,rgba(255,255,255,.22),rgba(255,255,255,.06));
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.55),inset 0 2px 8px rgba(255,255,255,.45),inset 3px 0 6px rgba(255,90,140,.28),inset -3px 0 6px rgba(80,170,255,.32),0 10px 30px rgba(0,0,0,.4)}
.nav a{transition:color .2s,transform .3s cubic-bezier(.34,1.56,.64,1)}
.nav.drag a.hot{color:#fff;transform:scale(1.1)}
.nav.drag a:not(.hot){color:var(--dim)}

/* bonus version: gold course banner, always on top */
.promo{position:sticky;top:env(safe-area-inset-top,0);z-index:30;display:flex;align-items:center;gap:12px;padding:10px 14px;margin:0;
  color:#2a1a00;text-decoration:none;background:linear-gradient(120deg,var(--gold1),var(--gold0));box-shadow:0 8px 24px rgba(0,0,0,.35),inset 0 -1px 0 rgba(0,0,0,.12)}
.promo-t{flex:1;min-width:0;display:flex;flex-direction:column;gap:2px;max-width:1008px;margin:0 auto}
.promo-t b{font:700 15px/1.25 var(--f);letter-spacing:-.015em}
.promo-t span{font:500 13px/1.35 var(--f)}
.promo-t code{font:700 13px/1 var(--f);background:#2a1a00;color:var(--gold1);padding:2px 7px;border-radius:6px;white-space:nowrap}
.promo-go{flex:none;font:800 17px/1 var(--f);background:#2a1a00;color:var(--gold1);padding:10px 12px;border-radius:12px}
.promo:active{filter:brightness(.95)}
.promo-toast{position:fixed;z-index:40;left:50%;top:calc(env(safe-area-inset-top,0px) + 96px);transform:translateX(-50%);width:min(420px,calc(100% - 32px));
  padding:14px 16px;border-radius:16px;background:#0E1A33;border:1px solid rgba(245,185,66,.6);color:var(--text);font:600 15px/1.35 var(--f);text-align:center;box-shadow:0 18px 40px rgba(0,0,0,.5)}
@media (min-width:900px){.promo{padding:12px 24px}.promo-t b{font-size:17px}.promo-t span,.promo-t code{font-size:14.5px}}


/* answer card effects: «Считаю…» orb, then the number runs up */
.answer.thinking>*:not(.orb){visibility:hidden}
.answer .orb{position:absolute;inset:0;z-index:2;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:10px;
  font:600 15px/1 var(--f);color:var(--gold1);animation:orb-in .25s ease both}
@keyframes orb-in{from{opacity:0;transform:scale(.9)}}