/* ============================================================
   credit_style.css
   Стилі сторінки public/credit.php («СЕС в кредит 0%»).

   Дизайн-система сайту: база (section, headings, hero, dark,
   breadcrumbs, faq, callout, compare, flow, lp-seo) — 1:1 з
   landing_ses_power.css; нові компоненти сторінки — з префіксом
   .crd-*. Залежить лише від токенів глобального styles.css:
   --accent, --accent-dark, --dark, --muted, --bg, --radius,
   --shadow, --shadow-hover, --max-width, --header-height.
   Нових кольорів не вводить.
   ============================================================ */

/* =========================
   BASE
========================= */
* { margin: 0; padding: 0; }

body { background: var(--bg); color: var(--dark); line-height: 1.7; }

section { width: 100%; padding: 50px 10px; }

.container { width: 100%; max-width: var(--max-width); margin: auto; }

h1, h2, h3 { color: var(--dark); line-height: 1.15; font-weight: 800; }
h1 { font-size: clamp(38px, 5.4vw, 64px); margin-bottom: 24px; }
h2 { font-size: clamp(30px, 4vw, 48px); margin-bottom: 22px; }
h3 { font-size: 22px; margin-bottom: 14px; }
p  { color: var(--muted); margin-bottom: 16px; }

ul { list-style: none; padding-left: 0; }
li { margin-bottom: 10px; }

button {
  padding: 12px 24px;
  border: none;
  background: var(--accent);
  color: #fff;
  cursor: pointer;
  border-radius: 6px;
  font-weight: 600;
}
button:hover { opacity: .9; }

/* Якірний скрол з урахуванням фіксованого хедера */
html { scroll-behavior: smooth; }
[id] { scroll-margin-top: calc(var(--header-height, 72px) + 16px); }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

/* =========================
   DARK SECTION
========================= */
.section-dark { background: #0f172a; }
.section-dark > .container > .section-heading h2 { color: #fff; }
.section-dark > .container > .section-heading p  { color: rgba(255,255,255,.72); }
.section-dark .section-label { color: rgba(255,255,255,.55); }

/* =========================
   SECTION HEADER
========================= */
.section-heading { margin-bottom: 40px; }
.section-heading.center { text-align: center; max-width: 720px; margin-left: auto; margin-right: auto; }

.section-label {
  display: inline-block;
  font-size: 13px;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 10px;
}

/* =========================
   BREADCRUMBS
========================= */
.breadcrumbs { padding: 16px 10px 0; }
.breadcrumbs .container {
  display: flex; flex-wrap: wrap; align-items: center; gap: 8px;
  font-size: 14px; color: var(--muted);
}
.breadcrumbs a { color: var(--muted); text-decoration: none; transition: color .2s; }
.breadcrumbs a:hover { color: var(--accent); }
.breadcrumbs-current { color: var(--dark); font-weight: 600; }

/* =========================
   HERO
========================= */
.hero {
  overflow: hidden;
  position: relative;
  min-height: 60dvh;
  display: flex;
  align-items: center;
  text-align: center;
  color: #fff;
  isolation: isolate;
}
.hero h1, .hero h2, .hero h3 { color: #fff; }
.hero p, .hero li, .hero span { color: #cbd5e1; }

.background-image-hero {
  position: absolute; top: 0; left: 0;
  width: 100%; height: 100%;
  background-size: cover; background-position: center; background-repeat: no-repeat;
  z-index: 0;
}
.hero::after {
  content: ""; position: absolute; top: 0; left: 0;
  width: 100%; height: 100%;
  background: linear-gradient(rgba(15,23,42,.78), rgba(15,23,42,.78));
  z-index: 1;
}
.hero .container { position: relative; z-index: 2; }

.hero-label { display: inline-block; font-size: 14px; opacity: .85; margin-bottom: 12px; }
.hero-subtitle { max-width: 850px; margin: 20px auto; color: rgba(255,255,255,.85); }

.hero-btn {
  padding: 20px 40px;
  font-size: clamp(18px, 2vw, 22px);
  border-radius: 10px; font-weight: 700; min-width: 260px;
  box-shadow: 0 15px 40px rgba(0,195,255,.3);
  transition: all .3s ease;
}
.hero-btn:hover { transform: translateY(-4px); box-shadow: 0 20px 50px rgba(0,195,255,.5); }

/* чотири цифри Hero: 0% / сума / строк / внесок */
.hero-stats {
  display: grid;
  gap: 14px;
  margin: 36px auto 28px;
  max-width: 920px;
}
.crd-hero-stats { grid-template-columns: repeat(4, 1fr); }
.hero-stats .stat {
  background: rgba(255,255,255,.06);
  padding: 16px;
  border-radius: 14px;
  color: #fff;
}
.hero-stats .stat strong {
  display: block;
  font-size: clamp(18px, 2.4vw, 26px);
  font-weight: 800;
  color: #fff;
  margin-bottom: 4px;
}
.hero-stats .stat span { font-size: 13px; color: #94a3b8; }

.crd-hero-secondary {
  display: inline-block;
  margin: 18px 0 0 18px;
  color: #cbd5e1;
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 4px;
  transition: color .2s;
}
.crd-hero-secondary:hover { color: var(--accent); }

.crd-hero-note { font-size: 13px; margin: 14px auto 0; max-width: 560px; color: #94a3b8; }

/* =========================
   БЛОК 2. ЯК ПРАЦЮЄ ДЕРЖПРОГРАМА (.crd-how-*)
========================= */
.crd-how-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 32px;
}
.crd-how-card {
  position: relative;
  background: #fff;
  border-radius: var(--radius);
  padding: 28px 24px;
  box-shadow: var(--shadow);
  border-top: 4px solid var(--accent);
}
.crd-how-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px; height: 44px;
  border-radius: 50%;
  background: rgba(0,195,255,.12);
  color: var(--accent-dark);
  font-size: 20px;
  font-weight: 800;
  margin-bottom: 14px;
}
.crd-how-card h3 { font-size: 18px; margin-bottom: 8px; }
.crd-how-card p  { font-size: 14px; margin-bottom: 0; }

/* =========================
   БЛОК 3. БАНКИ (.crd-bank-*)
========================= */
.crd-bank-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  align-items: stretch;
  margin-bottom: 24px;
}
.crd-bank-card {
  display: flex;
  flex-direction: column;
  background: #fff;
  border: 1px solid rgba(15,23,42,.08);
  border-radius: var(--radius);
  padding: 26px 24px;
  box-shadow: var(--shadow);
  transition: transform .25s, box-shadow .25s, border-color .25s;
}
.crd-bank-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover);
  border-color: rgba(0,195,255,.45);
}

.crd-bank-logo {
  display: flex;
  align-items: center;
  min-height: 52px;
  margin-bottom: 12px;
}
.crd-bank-logo img {
  max-height: 48px;
  width: auto;
  max-width: 170px;
  object-fit: contain;
  display: block;
}
.crd-bank-logo-text {
  font-size: 22px;
  font-weight: 800;
  color: var(--dark);
}

.crd-bank-program {
  align-self: flex-start;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--accent-dark);
  background: rgba(0,195,255,.12);
  border-radius: 999px;
  padding: 4px 12px;
  margin-bottom: 16px;
}

.crd-bank-points { margin-bottom: 20px; }
.crd-bank-points li {
  position: relative;
  padding-left: 24px;
  font-size: 14px;
  color: var(--dark);
}
.crd-bank-points li::before {
  content: "";
  position: absolute;
  left: 0; top: 9px;
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--accent);
  box-shadow: 0 0 0 3px rgba(0,195,255,.15);
}

.crd-bank-actions {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-top: auto;
  padding-top: 16px;
  border-top: 1px solid rgba(15,23,42,.06);
}
.crd-bank-link {
  font-size: 14px;
  font-weight: 700;
  color: var(--accent-dark);
  text-decoration: none;
}
.crd-bank-link:hover { text-decoration: underline; }
.crd-bank-cta {
  display: inline-block;
  background: var(--accent);
  color: #fff;
  font-weight: 700;
  font-size: 14px;
  padding: 10px 18px;
  border-radius: 10px;
  text-decoration: none;
  transition: transform .2s, background .2s;
}
.crd-bank-cta:hover { transform: translateY(-2px); background: var(--accent-dark); }

/* примітки */
.crd-note { font-size: 13px; color: var(--muted); margin: 18px auto 0; max-width: 860px; text-align: center; }
.crd-note-light { color: rgba(255,255,255,.55); }
.crd-note strong { color: inherit; }
.crd-note-light strong { color: rgba(255,255,255,.85); }

/* =========================
   БЛОК 4. ПОРІВНЯЛЬНА ТАБЛИЦЯ (як landing_ses_power)
========================= */
.compare-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }

.compare-table {
  width: 100%;
  min-width: 680px;
  border-collapse: separate;
  border-spacing: 0;
  background: #fff;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.compare-table th,
.compare-table td {
  padding: 16px 18px;
  text-align: left;
  border-bottom: 1px solid rgba(15,23,42,.08);
  font-size: 15px;
  color: var(--dark);
}
.compare-table thead th {
  background: #0f172a;
  color: #fff;
  font-weight: 700;
  font-size: 15px;
}
.compare-table tbody tr:last-child td { border-bottom: none; }
.compare-table td:first-child,
.compare-table th:first-child {
  font-weight: 600;
  color: var(--dark);
  background: var(--bg);
}
.compare-table thead th:first-child { background: #0f172a; color: #fff; }

.compare-table tfoot td {
  padding: 16px 12px;
  background: #fff;
  border-bottom: none;
  border-top: 1px solid rgba(15,23,42,.08);
  vertical-align: middle;
}
.compare-table tfoot td:first-child { background: var(--bg); }
.crd-cmp-note { font-size: 14px; font-weight: 700; color: var(--dark); }
.compare-cta {
  display: block;
  width: 100%;
  text-align: center;
  padding: 12px 10px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 14px;
  text-decoration: none;
  box-sizing: border-box;
  transition: transform .2s, background .2s;
}
a.compare-cta { background: var(--accent); color: #fff; }
a.compare-cta:hover { transform: translateY(-2px); }

/* =========================
   БЛОК 5. КАЛЬКУЛЯТОР (.crd-calc-*)
========================= */
.crd-calc {
  max-width: 860px;
  margin: 0 auto;
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius);
  padding: 32px 28px;
}
.crd-calc-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-bottom: 28px;
}
.crd-calc-input { text-align: center; }
.crd-calc-input label {
  display: block;
  color: rgba(255,255,255,.72);
  font-size: 14px;
  margin-bottom: 6px;
}
.crd-calc-value {
  display: block;
  font-size: clamp(24px, 3vw, 32px);
  font-weight: 800;
  color: #fff;
  margin-bottom: 14px;
}
.crd-calc input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  max-width: 360px;
  height: 6px;
  border-radius: 999px;
  background: rgba(255,255,255,.15);
  outline: none;
}
.crd-calc input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--accent);
  border: 3px solid #fff;
  cursor: pointer;
  box-shadow: 0 4px 14px rgba(0,195,255,.45);
}
.crd-calc input[type="range"]::-moz-range-thumb {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--accent);
  border: 3px solid #fff;
  cursor: pointer;
  box-shadow: 0 4px 14px rgba(0,195,255,.45);
}
.crd-calc input[type="range"]:focus-visible { outline: 2px solid var(--accent); outline-offset: 4px; }

.crd-calc-results {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-bottom: 18px;
}
.crd-calc-res {
  background: rgba(255,255,255,.05);
  border-radius: 14px;
  padding: 16px 12px;
  text-align: center;
}
.crd-calc-res strong {
  display: block;
  font-size: clamp(16px, 2vw, 22px);
  font-weight: 800;
  color: var(--accent);
  margin-bottom: 4px;
}
.crd-calc-res span { font-size: 12px; color: #94a3b8; }

.crd-calc-note {
  font-size: 13px;
  color: rgba(255,255,255,.6);
  margin-bottom: 22px;
  text-align: center;
}
.crd-calc-cta { text-align: center; }

/* =========================
   БЛОК 6. ОБЛАДНАННЯ (.crd-eq-*)
========================= */
.crd-eq-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
}
.crd-eq-card {
  display: flex;
  flex-direction: column;
  background: #fff;
  border-radius: var(--radius);
  padding: 24px 22px;
  box-shadow: var(--shadow);
}
.crd-eq-type {
  align-self: flex-start;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  color: var(--accent-dark);
  background: rgba(0,195,255,.12);
  border-radius: 999px;
  padding: 4px 12px;
  margin-bottom: 12px;
}
.crd-eq-card h3 { font-size: 18px; margin-bottom: 8px; }
.crd-eq-card p  { font-size: 14px; margin-bottom: 0; }

/* =========================
   БЛОК 7. ВИМОГИ ТА ДОКУМЕНТИ (.crd-req-*)
========================= */
.crd-req-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 8px;
}
.crd-req-card {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius);
  padding: 28px 26px;
}
.crd-req-card h3 { color: #fff; font-size: 19px; margin-bottom: 16px; }
.crd-req-list li {
  position: relative;
  padding-left: 26px;
  font-size: 14px;
  color: rgba(255,255,255,.78);
  margin-bottom: 12px;
}
.crd-req-list li:last-child { margin-bottom: 0; }
.crd-req-list li::before {
  content: "✓";
  position: absolute;
  left: 0; top: 0;
  color: var(--accent);
  font-weight: 800;
}

/* =========================
   БЛОК 8. ПРОЦЕС — flow (як landing_ses_power)
========================= */
.flow {
  display: flex;
  flex-wrap: nowrap;
  counter-reset: flow;
  margin-top: 10px;
}
.flow-step {
  position: relative;
  flex: 1 1 0;
  min-width: 0;
  text-align: center;
  padding: 78px 12px 0;
}
.flow-step::before {
  counter-increment: flow;
  content: counter(flow);
  position: absolute;
  top: 0; left: 50%;
  transform: translateX(-50%);
  width: 54px; height: 54px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  background: var(--accent);
  color: #fff;
  font-weight: 800;
  font-size: 20px;
  z-index: 2;
  box-shadow: 0 6px 18px rgba(0,195,255,.35);
}
.flow-step::after {
  content: "";
  position: absolute;
  top: 27px; left: 50%;
  width: 100%; height: 3px;
  background: rgba(0,195,255,.35);
  z-index: 1;
}
.flow-step:last-child::after { display: none; }

.flow-step h3 { font-size: 16px; margin-bottom: 6px; color: var(--dark); }
.flow-step p  { font-size: 13px; color: var(--muted); margin-bottom: 0; }

/* =========================
   БЛОК 9. ПОТУЖНОСТІ — чипи (.crd-power-*)
========================= */
.crd-powers { background: var(--bg); }
.crd-power-chips {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  max-width: 960px;
  margin: 0 auto;
}
.crd-power-chip {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  gap: 2px;
  padding: 12px 20px;
  border-radius: 14px;
  background: #fff;
  border: 1px solid rgba(15,23,42,.12);
  color: var(--dark);
  font-size: 15px;
  font-weight: 700;
  text-decoration: none;
  transition: background .2s, color .2s, border-color .2s, transform .2s;
}
.crd-power-chip span {
  font-size: 12px;
  font-weight: 600;
  color: var(--muted);
  transition: color .2s;
}
.crd-power-chip:hover {
  background: var(--accent);
  border-color: var(--accent);
  color: #fff;
  transform: translateY(-2px);
}
.crd-power-chip:hover span { color: rgba(255,255,255,.85); }

/* =========================
   БЛОК 10. FAQ — accordion (як landing_ses_power)
========================= */
.faq-list { border-top: 1px solid rgba(255,255,255,.12); }
.faq-item {
  background: none; padding: 0; border-radius: 0; margin-bottom: 0;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.faq-question {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  background: none; border: none; padding: 22px 4px;
  font-size: 17px; font-weight: 700; color: #fff; text-align: left;
  font-family: inherit; cursor: pointer; margin-bottom: 0;
}
.faq-question:hover { opacity: 1; }
.faq-question:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }
.faq-icon { flex: 0 0 auto; font-size: 22px; font-weight: 400; color: var(--accent); transition: transform .25s; }
.faq-item.active .faq-icon { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; padding: 0 4px; transition: max-height .3s ease, padding .3s ease; }
.faq-item.active .faq-answer { max-height: 420px; padding-bottom: 22px; }
.faq-answer p { color: #cbd5e1; margin-bottom: 0; }

.crd-more-link {
  display: inline-block;
  margin-top: 16px;
  color: var(--accent);
  font-weight: 700;
  text-decoration: none;
}
.crd-more-link:hover { text-decoration: underline; }

/* =========================
   CALLOUT
========================= */
.callout-box {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between;
  gap: 18px; background: rgba(0,195,255,.06); border-left: 4px solid var(--accent);
  border-radius: 14px; padding: 24px 28px;
}
.callout-box p { margin-bottom: 0; max-width: 720px; color: var(--dark); }
.section-dark .callout-box p { color: #fff; }

.callout-link {
  flex: 0 0 auto; display: inline-block; white-space: nowrap;
  background: var(--accent); color: #fff; font-weight: 700;
  padding: 12px 22px; border-radius: 10px; text-decoration: none; transition: transform .2s;
}
.callout-link:hover { transform: translateY(-2px); }

/* =========================
   БЛОК 11. PRE-CTA (.crd-precta)
========================= */
.crd-precta {
  background: #0f172a;
  padding: 50px 10px 10px;
  text-align: center;
}
.crd-precta h2 { color: #fff; max-width: 760px; margin: 0 auto 14px; }
.crd-precta > .container > p {
  color: rgba(255,255,255,.72);
  max-width: 680px;
  margin: 0 auto 24px;
}
.crd-precta-steps {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 12px;
  list-style: none;
  counter-reset: precta;
  margin-bottom: 26px;
}
.crd-precta-steps li {
  counter-increment: precta;
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 999px;
  padding: 10px 18px 10px 10px;
  color: #cbd5e1;
  font-size: 14px;
  margin-bottom: 0;
}
.crd-precta-steps li::before {
  content: counter(precta);
  width: 26px; height: 26px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  font-size: 13px;
  font-weight: 800;
}

/* =========================
   БЛОК 12. SEO-ТЕКСТ (.lp-seo — як на інших лендінгах)
========================= */
.lp-seo {
  padding: 50px 0;
  background: #fff;
  border-top: 1px solid #eef1f6;
}
.lp-seo-container { max-width: 900px; }
.lp-seo p, .lp-seo li { font-size: 15px; color: #475569; line-height: 1.7; margin-bottom: 14px; }
.lp-seo ul { margin: 0 0 14px; padding-left: 20px; list-style: disc; }
.lp-seo li { margin-bottom: 8px; }
.lp-seo h2 { font-size: 26px; color: var(--dark); margin-bottom: 16px; }
.lp-seo h3 { font-size: 19px; color: var(--dark); margin: 26px 0 10px; }
.lp-seo a { color: var(--accent-dark); text-decoration: underline; text-underline-offset: 3px; }
.lp-seo a:hover { text-decoration: none; }

/* =========================
   МОБІЛЬНИЙ STICKY-BAR (.crd-sticky)
========================= */
.crd-sticky {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 90;
  display: none;
  gap: 10px;
  padding: 10px 12px calc(10px + env(safe-area-inset-bottom, 0));
  background: rgba(15,23,42,.96);
  backdrop-filter: blur(8px);
  border-top: 1px solid rgba(255,255,255,.1);
}
.crd-sticky[hidden] { display: none !important; }
.crd-sticky-call,
.crd-sticky-cta {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 48px;
  border-radius: 12px;
  font-weight: 700;
  font-size: 15px;
  text-decoration: none;
}
.crd-sticky-call { background: rgba(255,255,255,.1); color: #fff; }
.crd-sticky-cta  { background: var(--accent); color: #fff; }

/* =========================
   CONTACT FORM overrides (як на інших лендінгах)
========================= */
.contact-form-section h1,
.contact-form-section h2,
.contact-form-section h3 { color: #fff; background: linear-gradient(135deg,#0f172a,#111827); }
.contact-form-title h2 { color: #fff; }
.section-dark.contact-form-section h2,
.section-dark.contact-form-section h1,
.section-dark.contact-form-section h3 { color: #fff !important; }

/* =========================
   RESPONSIVE
========================= */
@media (max-width: 992px) {
  section { padding: 40px 0; }
  .container { padding: 0 16px; }

  .crd-hero-stats { grid-template-columns: repeat(2, 1fr); }
  .crd-how-grid { grid-template-columns: 1fr; }
  .crd-bank-grid { grid-template-columns: 1fr; max-width: 560px; margin-left: auto; margin-right: auto; }
  .crd-req-grid { grid-template-columns: 1fr; }
  .crd-calc-row { grid-template-columns: 1fr; gap: 22px; }
  .crd-calc-results { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 768px) {
  h1 { font-size: 32px; }
  h2 { font-size: 26px; }
  p  { font-size: 15px; }

  .hero-btn { min-width: auto; width: 100%; padding: 16px; }
  .crd-hero-secondary { margin-left: 0; }

  .callout-box { flex-direction: column; align-items: flex-start; }

  .crd-calc-results { grid-template-columns: 1fr; }

  /* мобільний flow — вертикальний timeline */
  .flow { flex-direction: column; }
  .flow-step { text-align: left; padding: 4px 0 26px 72px; min-height: 54px; }
  .flow-step::before { left: 0; transform: none; }
  .flow-step::after  { top: 54px; left: 27px; width: 3px; height: 100%; }

  /* показуємо sticky-bar лише на мобільних (JS керує hidden) */
  .crd-sticky:not([hidden]) { display: flex; }
}

@media (max-width: 480px) {
  h1 { font-size: 28px; }
  h2 { font-size: 22px; }
  .crd-hero-stats { grid-template-columns: 1fr; gap: 10px; }
  .hero-stats .stat { padding: 12px; }
  .crd-calc { padding: 24px 16px; }
  .crd-precta-steps { flex-direction: column; align-items: stretch; }
  .crd-bank-actions { flex-direction: column; align-items: stretch; text-align: center; }
}