/* ============================================================
   institution.css — ES_seo overlay (после site.css)
   Визуал: институциональный fintech / официальный ресурс.
   Токены ужесточены: спокойнее, строже, доверительнее.
   ============================================================ */

/* 1. Токены: чуть суше и официальнее */
:root{
  --accent:#0b3a75; --accent-rgb:11,58,117; --accent-dark:#092c5c; --accent-2:#3f6db3;
  --bg:#f7f9fc; --bg-2:#eef2f8; --bg-hero-top:#ecf1f8;
  --r-card:10px; --shadow-card:0 24px 48px -32px rgba(10,42,94,.4),0 0 0 6px rgba(116,172,223,.18);
  --gold:#ffc957; --ink:#0a2547; --ink-rgb:10,37,71;
}
.section--alt{background:linear-gradient(180deg,#eef2f8,#f4f7fb)}
.sec-title{letter-spacing:-.01em}

/* 2. Официальная лента сверху (gov-bar) */
.gov-bar{position:relative;z-index:60;background:var(--ink);color:var(--ink-text,#c9d8ee);
  font-size:12px;line-height:1.35;padding:7px 16px;letter-spacing:.02em}
.gov-bar .wrap{display:flex;align-items:center;gap:10px;flex-wrap:wrap;max-width:1180px;margin:0 auto}
.gov-bar__flag{width:18px;height:12px;border-radius:2px;overflow:hidden;display:inline-block;flex:none;
  background:linear-gradient(#AA151B 0 25%,#F1BF00 25% 75%,#AA151B 75%)}
.gov-bar b{font-weight:600;color:#fff}
.gov-bar span{opacity:.85}
@media (max-width:700px){.gov-bar{font-size:11px}.gov-bar__txt{display:none}}

/* 3. Header: спокойнее, фокус на навигации */
.site-header{box-shadow:0 6px 24px -18px rgba(10,37,71,.5);background:rgba(255,255,255,.96);
  -webkit-backdrop-filter:saturate(1.15) blur(8px);backdrop-filter:saturate(1.15) blur(8px)}
.logo .wordmark{font-size:19px}
.wordmark::after{content:"";width:100%;height:3px;margin-left:2px;background:linear-gradient(90deg,var(--accent),#74acdf 55%,transparent 92%);
  display:block;border-radius:2px;transform-origin:left}
.nav-panel a,.site-nav a{border-radius:6px}
.geo-chip{background:#fff;border-color:var(--line)}

/* 4. Hero: суше заголовки, меньше «криков» */
.hero h1{text-wrap:balance;font-size:clamp(20px,4vw,24px)!important}
.hero-lead__pre{font-size:inherit;opacity:.9;font-weight:500!important;letter-spacing:0;text-transform:none}
.hero-lead__sum{background:none;-webkit-background-clip:initial;background-clip:initial;
  color:var(--accent);text-decoration:none;padding:0;box-shadow:none;border-bottom:3px solid var(--gold);border-radius:0}
.lead-note{font-size:12.5px}

/* KPI полоса доверия под hero */
.trust-strip{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.kpi{flex:1 1 150px;background:#fff;border:1px solid var(--line);border-radius:10px;
  padding:10px 12px;min-width:140px;box-shadow:0 10px 26px -22px rgba(10,37,71,.5)}
.kpi b{display:block;font-size:17px;color:var(--text-0);font-weight:800;letter-spacing:-.01em}
.kpi span{font-size:12px;color:var(--muted);line-height:1.25;display:block}
.gov-seal{display:inline-flex;align-items:center;gap:7px;background:#eef4fb;border:1px solid var(--line);
  color:var(--ink);border-radius:999px;padding:6px 12px;font-size:12px;font-weight:600;letter-spacing:.01em}
.gov-seal svg{flex:none}
@media (max-width:760px){.trust-strip{margin-top:10px}}@media (max-width:420px){.kpi{min-width:calc(50% - 8px)}}

/* 5. Форма iframe: легальный встроенный блок */
.form-frame{position:relative}
.form-frame .lf-frame-skeleton{pointer-events:none}
.legal-mini{font-size:11.5px;color:var(--muted);margin-top:10px;line-height:1.45}
.legal-mini a{color:var(--accent);text-decoration:underline}

/* 6. Как зарегистрироваться — шаги HowTo */
.steps{list-style:none;margin:0;padding:0;counter-reset:paso;display:flex;flex-direction:column;gap:0}
.steps li{position:relative;display:grid;grid-template-columns:44px 1fr;gap:14px;
  counter-increment:paso;padding:0 0 26px}
.steps li:last-child{padding-bottom:0}
.step-n{width:44px;height:44px;border-radius:50%;background:var(--accent);color:#fff;
  font:800 16px/44px var(--font-display);text-align:center;box-shadow:0 0 0 6px rgba(11,58,117,.12);z-index:2}
.steps li:not(:last-child)::before{content:"";position:absolute;left:21.5px;top:46px;bottom:0;width:1.5px;
  background:linear-gradient(var(--line-2),transparent 88%)}
.step-t{padding-top:2px}
.step-t h3{margin:0 0 4px;font-size:16.5px;color:var(--text-0);letter-spacing:-.005em}
.step-t h3 em{font-style:normal;color:var(--accent)}
.step-t p{margin:0;color:var(--text-2);font-size:14.5px;line-height:1.5}
.step-meta{display:inline-flex;gap:6px;flex-wrap:wrap;margin-top:8px}
.chip-time{background:#eef4fb;border:1px solid var(--line);color:var(--ink);font-size:11.5px;
  border-radius:999px;padding:3px 10px;font-weight:600}
@media (max-width:520px){.steps li{grid-template-columns:36px 1fr;gap:10px}
  .step-n{width:36px;height:36px;font-size:14px;line-height:36px}
  .steps li:not(:last-child)::before{left:17.5px}}

/* 7. Как вывести деньги — методы */
.pay-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:12px;margin-top:18px}
.pay{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;
  box-shadow:0 14px 30px -26px rgba(10,37,71,.45);display:flex;gap:12px;align-items:flex-start}
.pay-ic{width:38px;height:38px;border-radius:10px;background:#eef4fb;color:var(--accent);
  display:flex;align-items:center;justify-content:center;flex:none}
.pay h3{margin:0 0 5px;font-size:15px;color:var(--text-0)}
.pay p{margin:0;font-size:13px;color:var(--text-2);line-height:1.45}
.pay small{display:block;margin-top:7px;color:var(--muted);font-size:11.5px;line-height:1.4}
.pay-limits{margin-top:14px;width:100%;border-collapse:collapse;font-size:13.5px}
.pay-limits th,.pay-limits td{text-align:left;padding:9px 12px;border-bottom:1px solid var(--line)}
.pay-limits th{font-size:11.5px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-weight:700}
.pay-limits tr:last-child td{border-bottom:0}
.disclaimer-inline{margin-top:16px;background:#f4f7fb;border-left:3px solid #b4c9dd;color:var(--text-2);
  border-radius:0 10px 10px 0;padding:12px 16px;font-size:12.5px;line-height:1.5}
@media (prefers-color-scheme:no-preference){.disclaimer-inline{background:linear-gradient(90deg,#f4f7fb,#fff)}}

/* 8. Итоговая секция регистрации без таймера */
.bay__title{font-size:clamp(20px,3.6vw,24px)!important}
.bay-badges{display:flex;gap:8px;flex-wrap:wrap;margin-top:12px}

/* 9. Отзывы — независимая страница и главная */
.review-page-list{display:flex;flex-direction:column;gap:12px;margin-top:18px}
.review-row{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px;
  box-shadow:0 14px 28px -26px rgba(10,37,71,.4)}
.review-row__head{display:flex;align-items:center;gap:12px;margin-bottom:8px}
.review-stars{display:inline-flex;gap:2px;color:#d89b2a}
.review-row q{quotes:none;font-size:14.5px;color:var(--text-2);line-height:1.55}
.rating-bars{width:100%;border-collapse:collapse;font-size:13.5px;margin-top:6px}
.rating-bars td{padding:6px 10px;border-bottom:1px solid var(--line);vertical-align:middle}
.rating-bars tr:last-child td{border-bottom:0}
.bar{height:8px;border-radius:99px;background:var(--tint-2);overflow:hidden;min-width:110px}
.bar i{display:block;height:100%;background:linear-gradient(90deg,var(--accent),#74acdf);border-radius:99px}

/* 10. FAQ и статьи */
.faq-item summary{cursor:pointer}
.page-main{scroll-padding-top:120px}
.page-hero{padding:34px 0 26px;border-bottom:1px solid var(--line);background:
  linear-gradient(180deg,var(--bg-hero-top),transparent)}
.crumbs{font-size:12.5px;color:var(--muted);display:flex;gap:6px;align-items:center;flex-wrap:wrap}
.crumbs a{color:var(--accent);text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.crumb-arrow{opacity:.45}
.page-hero h1{font:800 clamp(22px,4.6vw,30px)/1.12 var(--font-display);letter-spacing:-.015em;
  margin:10px 0 8px;color:var(--text-0);text-wrap:balance;max-width:780px}
.page-subtitle{color:var(--text-2);font-size:15.5px;max-width:720px;line-height:1.5}
.article-body{display:flex;flex-direction:column;gap:16px;padding:30px 0 40px;font-size:16px;line-height:1.65;color:var(--text)}
.article-body section{background:#fff;border:1px solid var(--line);border-radius:14px;
  padding:22px 24px;box-shadow:0 18px 36px -32px rgba(10,37,71,.35)}
.article-body > ul,.article-body > ol{padding-left:22px;display:flex;flex-direction:column;gap:8px}
.article-body li>a,.article-body p>a{color:var(--accent);text-decoration:underline;transition:color .15s ease}
.article-body a:hover{color:var(--accent-dark)}
h2.art-h{font:800 18.5px/1.25 var(--font-display);color:var(--text-0);letter-spacing:-.01em;margin:0 0 10px}
h3.art-h3{font:700 16px/1.3 var(--font-display);color:var(--text-0);margin:14px 0 6px}
.article-body table{width:100%;border-collapse:collapse;font-size:14px;margin:10px 0 4px;border-radius:10px;overflow:hidden;
  box-shadow:inset 0 0 0 1px var(--line)}
.article-body th{background:var(--tint);text-align:left;padding:10px 12px;font-size:12px;
  text-transform:uppercase;letter-spacing:.05em;color:var(--ink);font-weight:700}
.article-body td{padding:10px 12px;border-top:1px solid var(--line);vertical-align:top;line-height:1.5}
.article-body blockquote{margin:0;padding:12px 18px;background:var(--tint);border-left:3px solid var(--accent);
  border-radius:0 10px 10px 0;color:var(--text-2);font-size:14.5px}
.article-body code{background:var(--tint);padding:1px 6px;border-radius:5px;font-size:.92em;color:var(--ink)}
.notice-box{background:#f8f4e9;border:1px solid #eadfae;border-left:3px solid var(--gold);border-radius:0 10px 10px 0;
  padding:14px 18px;font-size:13.5px;color:var(--text-2)}
.cta-art{display:flex;flex-wrap:wrap;gap:12px;align-items:center;justify-content:space-between;
  background:linear-gradient(120deg,#fff,var(--tint));border:1px solid var(--line);border-radius:14px;
  padding:16px 20px;box-shadow:0 18px 36px -30px rgba(10,37,71,.35);margin:24px auto 6px}
.cta-art p{margin:0;font-size:14.5px;color:var(--text-2);flex:1 1 260px}
@media (max-width:640px){.cta-art{flex-direction:column;align-items:stretch;text-align:center}
  .cta-art .btn{justify-content:center}}

/* 11. Футер-мега */
.site-footer{background:var(--ink);color:#dbe6f4;border-top:0;margin-top:0}
.site-footer::before{content:"";display:block;height:5px;
  background:linear-gradient(90deg,#74acdf,var(--gold) 38%,var(--accent) 64%,#74acdf)}
.foot-grid{max-width:1180px;margin:0 auto;padding:40px 16px 26px;display:grid;
  grid-template-columns:1.35fr 1fr 1fr 1fr;gap:26px}
.foot-brand img,.foot-brand svg{margin-bottom:12px}
.foot-brand .fw{color:#fff;font-weight:800;font-size:19px;display:inline-block}
.foot-brand .fw b{color:#9cc3ef;font-weight:800}
.foot-brand p{font-size:12.5px;line-height:1.55;color:#aabde0;margin:8px 0 0}
.foot-badge-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.fb{border:1px solid rgba(168,196,232,.38);color:#cfe0f5;font-size:10.5px;font-weight:600;
  letter-spacing:.04em;border-radius:6px;padding:5px 9px;background:rgba(255,255,255,.03)}
.fcol h4{font-size:11.5px;text-transform:uppercase;letter-spacing:.08em;color:#8fb2e0;margin:0 0 12px;font-weight:700}
.fcol ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
.fcol a{color:#dbe6f4;text-decoration:none;font-size:13.5px;border-bottom:1px solid transparent;transition:.15s}
.fcol a:hover{color:#fff;border-color:var(--gold)}
.fcol small{display:block;color:#93a9cf;font-size:11.5px;margin-top:2px}
.foot-contact li{display:flex;gap:9px;align-items:flex-start;font-size:13px;color:#dbe6f4}
.foot-contact a{font-size:13px}
.f-ic{width:15px;height:15px;flex:none;color:#8fb2e0;margin-top:2px}
.foot-legal-wrap{border-top:1px solid rgba(168,196,232,.18)}
.foot-legal{max-width:1180px;margin:0 auto;padding:18px 16px 26px;font-size:11.5px;
  line-height:1.6;color:#8ea6cd;display:flex;flex-direction:column;gap:10px}
.foot-legal p{margin:0}
.foot-legal .fr::before{content:"© " attr(data-y) " "}
.foot-disclaimer{max-width:900px;opacity:.8}
.fl-links{display:flex;flex-wrap:wrap;gap:6px 16px}
.fl-links a{color:#aabde0;text-decoration:none;border-bottom:1px dotted #5b78a6}
.fl-links a:hover{color:#fff}
.dir-pill{display:inline-flex;align-items:center;gap:6px;background:rgba(116,172,223,.13);
  border:1px solid rgba(116,172,223,.3);border-radius:999px;padding:3px 11px;font-size:10.5px;
  letter-spacing:.05em;color:#bcd5f2;font-weight:600;text-transform:uppercase}
@media (max-width:980px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.foot-grid{grid-template-columns:1fr;gap:20px;padding:30px 16px 20px}}

/* 12. Sticky CTA + мелочи */
.sticky-cta .btn{-webkit-border-radius:999px}
.lf-msg--err{color:var(--error)}
.frame-fallback{border-radius:14px}
:focus-visible{outline-offset:3px}
.video-note{font-size:11.5px;color:var(--muted);text-align:center;margin-top:6px}

/* 13. a11y/мобайл-дополнения */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;
  clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;border:0}
@media (max-width:520px){
  .pay-limits th,.pay-limits td{padding:7px 8px;font-size:12.5px}
  .pay{padding:13px}.pay h3{font-size:14.5px}.pay-ic{width:32px;height:32px;border-radius:8px}
  .article-body section{padding:16px 16px}
  .gov-seal{font-size:11px;padding:5px 10px}
}
@media (max-width:380px){.kpi b{font-size:15px}.kpi span{font-size:11px}}

/* 14. pay-limits: моб-скролл (глава, 320px) */
@media (max-width:520px){
  .pay-limits{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}
  .pay-limits thead,.pay-limits tbody,.pay-limits tr,.pay-limits th,.pay-limits td{display:table-row-group}
  .pay-limits th,.pay-limits td{white-space:nowrap}
}

/* 15. article-таблицы: моб-скролл (320px, все внутренние страницы) */
@media (max-width:520px){
  .article-body table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}
  .article-body thead,.article-body tbody{display:table-row-group}
  .article-body th,.article-body td{white-space:nowrap}
}