/* БАЗА */

* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

:root {
    --bg-page: #f3f4f6;
    --bg-main: #ffffff;
    --bg-soft: #ecfeff;
    --bg-dark: #020617;

    /* PrimeFinance: бирюзово-синяя тема */
    --accent: #0ea5e9;
    --accent-soft: #22d3ee;
    --accent-extra: #22c55e;

    --text-main: #0f172a;
    --text-muted: #4b5563;
    --text-on-dark: #e5e7eb;

    --border-subtle: #e5e7eb;
    --shadow-soft: 0 18px 45px rgba(15, 23, 42, 0.08);
    --radius-card: 18px;
}

body {
    font-family: "Montserrat", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    background: var(--bg-page);
    color: var(--text-main);
    line-height: 1.7;
    font-size: 15px;
}

/* ОБЩИЕ КОНТЕЙНЕРЫ */

.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.section {
    padding: 80px 0;
}

.section h2 {
    font-size: 32px;
    font-weight: 700;
    margin-bottom: 28px;
}

/* Варианты секций */

.section-light {
    background: transparent;
}

.section-dark {
    background: radial-gradient(circle at top left, #0f172a 0, #020617 55%);
    color: var(--text-on-dark);
}

/* ФОНОВЫЕ КАРТИНКИ СЕКЦИЙ */

.hero {
    position: relative;
    padding: 120px 0 120px;
    background: url("img/bg-hero-vvs.jpg") center center / cover no-repeat;
}

.section-bg-about {
    background: url("img/bg-about-vvs.jpg") center center / cover no-repeat;
}

.section-bg-services {
    background: url("img/bg-services-vvs.jpg") center center / cover no-repeat;
}

.section-bg-process {
    background: url("img/bg-process-vvs.jpg") center center / cover no-repeat;
}

.section-bg-reasons {
    background: url("img/bg-reasons-vvs.jpg") center center / cover no-repeat;
}

.section-bg-banks {
    background: url("img/bg-banks-vvs.jpg") center center / cover no-repeat;
}

.section-bg-reviews {
    background: url("img/bg-reviews-vvs.jpg") center center / cover no-repeat;
}

.section-bg-contact {
    background: url("img/bg-contact-vvs.jpg") center center / cover no-repeat;
}

/* ШАПКА */

.header {
    position: sticky;
    top: 0;
    z-index: 20;
    background: rgba(248, 250, 252, 0.96);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid var(--border-subtle);
}

.header-inner {
    display: flex;
    align-items: center;
    height: 72px;
}

.logo {
    display: flex;
    align-items: center;
}

.logo img {
    max-height: 150px;
    width: auto;
    display: block;
}

.nav {
    display: flex;
    gap: 22px;
    font-size: 14px;
    margin-left: auto;
}

.nav a {
    color: var(--text-muted);
    text-decoration: none;
    position: relative;
    padding: 8px 0 6px;
    font-weight: 500;
    transition: color 0.15s ease;
}

.nav a::after {
    content: "";
    position: absolute;
    left: 0;
    bottom: 0;
    width: 0;
    height: 2px;
    border-radius: 999px;
    background: linear-gradient(90deg, var(--accent), var(--accent-soft));
    transition: width 0.2s ease;
}

.nav a:hover {
    color: var(--accent);
}

.nav a:hover::after {
    width: 100%;
}

/* HERO внутренний */

.hero-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    min-height: 360px;
    gap: 32px;
}

.hero-text {
    max-width: 720px;
}

/* колонка с калькулятором */

.hero-calculator {
    max-width: 380px;
    width: 100%;
    margin-left: auto;
}

/* калькулятор без карточки/рамки */

.hero-calculator-card {
    padding: 0;
    background: transparent;
    border: none;
    box-shadow: none;
    backdrop-filter: none;
    transform: translateY(-10px);
}

.hero-calculator-card h2 {
    font-size: 20px;
    margin-bottom: 6px;
}

.hero-calculator-subtitle {
    font-size: 13px;
    color: var(--text-muted);
    margin-bottom: 14px;
}

/* чтобы форма в калькуляторе выглядела как остальные */

.calculator-form .form-group label {
    color: #111827;
}

.calculator-form .btn-block {
    margin-top: 4px;
}

/* остальной hero-текст */

.hero-label {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 12px;
    padding: 3px 10px;
    border-radius: 999px;
    background: rgba(14, 165, 233, 0.10);
    color: #0369a1;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.09em;
}

.hero-label::before {
    content: "";
    width: 7px;
    height: 7px;
    border-radius: 999px;
    background: var(--accent-extra);
}

.hero h1 {
    margin-top: -60px;
    font-size: 40px;
    font-weight: 700;
    letter-spacing: 0;
    color: var(--text-main);
}

.hero-tagline {
    font-size: 19px;
    font-weight: 600;
    margin-top: 10px;
    color: #111827;
}

.hero-description {
    font-size: 15px;
    color: var(--text-main);
    max-width: 560px;
    margin-top: 16px;
}

.hero-actions {
    margin-top: 26px;
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
}

/* КНОПКИ */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 11px 20px;
    border-radius: 999px;
    border: none;
    cursor: pointer;
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    transition: background 0.15s ease, transform 0.12s ease, box-shadow 0.12s ease, color 0.15s ease, border-color 0.15s ease;
}

.btn-primary {
    background: linear-gradient(135deg, var(--accent), var(--accent-soft));
    color: #ffffff;
    box-shadow: 0 12px 30px rgba(14, 165, 233, 0.35);
}

.btn-primary:hover {
    transform: translateY(-1px);
    box-shadow: 0 16px 40px rgba(14, 165, 233, 0.52);
}

.btn-outline {
    background: #ffffff;
    color: var(--accent);
    border: 1px solid rgba(14, 165, 233, 0.35);
}

.btn-outline:hover {
    background: #ecfeff;
}

.btn-link {
    padding: 0;
    border-radius: 0;
    border: none;
    background: none;
    color: var(--accent);
    font-size: 14px;
}

.btn-link:hover {
    color: #0284c7;
}

.btn-block {
    width: 100%;
}

/* ФАКТЫ В HERO */

.hero-facts {
    margin-top: 30px;
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
    font-size: 12px;
}

.hero-facts li { list-style: none; }

.hero-facts strong {
    display: block;
    font-size: 16px;
    margin-bottom: 2px;
    color: #111827;
}

.hero-facts span { color: var(--text-muted); }

/* СТРИП СО СТАТИСТИКОЙ */

.strip {
    background: #0b1120;
    padding: 20px 0;
    color: var(--text-on-dark);
}

.strip-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

.strip-text {
    font-size: 14px;
    max-width: 420px;
    color: #e5e7eb;
}

.strip-stats {
    display: flex;
    gap: 24px;
    flex-wrap: wrap;
}

.strip-stat { display: flex; flex-direction: column; }

.strip-value { font-size: 18px; font-weight: 600; }

.strip-label { font-size: 12px; color: #9ca3af; }

/* О КОМПАНИИ */

.about-inner {
    display: grid;
    grid-template-columns: minmax(0, 1.1fr) minmax(0, 1.2fr);
    gap: 32px;
    align-items: flex-start;
}

.about-inner p {
    font-size: 15px;
    margin-bottom: 14px;
    color: var(--text-main);
}

.about-cards {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
}

.about-card {
    padding: 18px 16px 18px;
    background-color: var(--bg-main);
    border-radius: var(--radius-card);
    border: 1px solid var(--border-subtle);
    box-shadow: var(--shadow-soft);
    position: relative;
    overflow: hidden;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.about-card::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(
        to bottom,
        rgba(255, 255, 255, 0.65) 0%,
        rgba(255, 255, 255, 0.65) 45%,
        rgba(255, 255, 255, 0.65) 70%,
        rgba(255, 255, 255, 0.65) 100%
    );
    z-index: 0;
    pointer-events: none;
}

.about-card > * { position: relative; z-index: 1; }

.about-card-diagnostics { background-image: url("img/about-diagnostics-vvs.jpg"); }
.about-card-programs   { background-image: url("img/about-programs-vvs.jpg"); }
.about-card-support    { background-image: url("img/about-support-vvs.jpg"); }

.about-card h3 { font-size: 15px; font-weight: 600; margin-bottom: 6px; }

.about-card p { font-size: 13px; color: var(--text-muted); }

/* ПОЧЕМУ ВЫБИРАЮТ */

.section-bg-reasons h2 { text-shadow: 0 0 18px rgba(0, 0, 0, 0.7); }

.reasons-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
}

.reason-item {
    padding: 18px 16px;
    font-size: 14px;
    font-weight: 500;
    letter-spacing: 0.01em;
    color: var(--text-on-dark);
    border-radius: var(--radius-card);
    border: 1px solid rgba(148, 163, 184, 0.6);
    background: radial-gradient(circle at top left, rgba(15, 23, 42, 0.9), rgba(15, 23, 42, 0.95));
    box-shadow: 0 18px 38px rgba(15, 23, 42, 0.85);
    position: relative;
    overflow: hidden;
}

.reason-item::before {
    content: "";
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at top right, rgba(34, 211, 238, 0.16), transparent 55%);
    opacity: 0;
    transition: opacity 0.2s ease;
}

.reason-item:hover::before { opacity: 1; }

/* УСЛУГИ */

.services-grid {
    margin-top: 10px;
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
}

.service-card {
    background: var(--bg-main);
    padding: 18px 16px 20px;
    color: var(--text-main);
    border-radius: var(--radius-card);
    border: 1px solid var(--border-subtle);
    box-shadow: var(--shadow-soft);
    min-height: 190px;
    display: flex;
    flex-direction: column;
    justify-content: flex-start;
    position: relative;
    overflow: hidden;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.service-card::before {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(
        to bottom,
        rgba(255, 255, 255, 0.65) 0%,
        rgba(255, 255, 255, 0.65) 45%,
        rgba(255, 255, 255, 0.65) 70%,
        rgba(255, 255, 255, 0.65) 100%
    );
    z-index: 0;
    pointer-events: none;
}

.service-card > * { position: relative; z-index: 1; }

.service-card h3 { font-size: 16px; font-weight: 600; margin-bottom: 8px; }

.service-card p { font-size: 14px; color: var(--text-main); margin-top: 6px; }

/* фоновые картинки карточек услуг */
.service-card-consumer   { background-image: url("img/service-consumer-vvs.jpg"); }
.service-card-cards      { background-image: url("img/service-cards-vvs.jpg"); }
.service-card-auto       { background-image: url("img/service-auto-vvs.jpg"); }
.service-card-mortgage   { background-image: url("img/service-mortgage-vvs.jpg"); }
.service-card-refinance  { background-image: url("img/service-refinance-vvs.jpg"); }
.service-card-business   { background-image: url("img/service-business-vvs.jpg"); }
.service-card-collateral { background-image: url("img/service-collateral-vvs.jpg"); }
.service-card-investors  { background-image: url("img/service-investors-vvs.jpg"); }

.service-card-wide {
    grid-column: span 3;
    display: flex;
    flex-direction: column;
    gap: 8px;
    align-items: flex-start;
    background-image: none;
}

/* ЭТАПЫ РАБОТЫ */

.steps {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
}

.step {
    padding: 18px 16px 18px;
    border-radius: var(--radius-card);
    border: 1px solid rgba(148, 163, 184, 0.5);
    background: rgba(20, 28, 47, 1.4);
    box-shadow: 0 18px 40px rgba(20, 28, 47, 1.4);
    position: relative;
    overflow: hidden;
    font-size: 13px;
    color: var(--text-on-dark);
}

.step::before {
    content: "";
    position: absolute;
    inset: 0;
    background: rgba(0, 0, 0, 0.5);
    z-index: 0;
    pointer-events: none;
}

.step::after {
    content: attr(data-step);
    position: absolute;
    bottom: -14px;
    right: 10px;
    font-size: 48px;
    font-weight: 700;
    color: rgba(148, 163, 184, 0.25);
    z-index: 0;
}

.step > * { position: relative; z-index: 1; }

.step h3 {
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 8px;
}

.step-01 { background-image: url("img/step-01-request-vvs.jpg"); background-size: cover; background-position: center; background-repeat: no-repeat; }
.step-02 { background-image: url("img/step-02-analysis-vvs.jpg"); background-size: cover; background-position: center; background-repeat: no-repeat; }
.step-03 { background-image: url("img/step-03-strategy-vvs.jpg"); background-size: cover; background-position: center; background-repeat: no-repeat; }
.step-04 { background-image: url("img/step-04-docs-vvs.jpg"); background-size: cover; background-position: center; background-repeat: no-repeat; }
.step-05 { background-image: url("img/step-05-approval-vvs.jpg"); background-size: cover; background-position: center; background-repeat: no-repeat; }
.step-06 { background-image: url("img/step-06-deal-vvs.jpg"); background-size: cover; background-position: center; background-repeat: no-repeat; }

/* БАНКИ */

.banks-subtitle {
    font-size: 14px;
    color: var(--text-muted);
    margin-bottom: 20px;
}

.banks-logos {
    display: flex;
    flex-wrap: wrap;
    gap: 28px;
    justify-content: center;
    align-items: center;
}

.bank-card {
    padding: 10px 14px;
    background: #f9fafb;
    border-radius: 999px;
    border: 1px solid var(--border-subtle);
}

.bank-card img {
    max-width: 120px;
    max-height: 50px;
    object-fit: contain;
    display: block;
}

/* ОТЗЫВЫ */

.reviews-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 18px;
}

.review-card {
    padding: 18px 16px 18px;
    border-radius: var(--radius-card);
    border: 1px solid rgba(148, 163, 184, 0.6);
    background: rgba(15, 23, 42, 0.92);
    box-shadow: 0 18px 40px rgba(15, 23, 42, 0.9);
    position: relative;
    overflow: hidden;
}

.review-1 { background-image: url("img/review-1-vvs.jpg"); background-size: cover; background-position: center; background-repeat: no-repeat; }
.review-2 { background-image: url("img/review-2-vvs.jpg"); background-size: cover; background-position: center; background-repeat: no-repeat; }
.review-3 { background-image: url("img/review-3-vvs.jpg"); background-size: cover; background-position: center; background-repeat: no-repeat; }
.review-4 { background-image: url("img/review-4-vvs.jpg"); background-size: cover; background-position: center; background-repeat: no-repeat; }
.review-5 { background-image: url("img/review-5-vvs.jpg"); background-size: cover; background-position: center; background-repeat: no-repeat; }

.review-card::before {
    content: "";
    position: absolute;
    inset: 0;
    background: rgba(0, 0, 0, 0.5);
    z-index: 0;
    pointer-events: none;
}

.review-card > * { position: relative; z-index: 1; }

.review-text {
    font-size: 14px;
    color: rgba(249, 250, 251, 0.98);
    margin-bottom: 12px;
}

.review-author {
    font-size: 13px;
    color: #99f6e4;
    margin-top: 8px;
    font-weight: 500;
}

/* КОНТАКТЫ */

.contact-inner {
    display: grid;
    grid-template-columns: minmax(0, 1fr);
    gap: 32px;
    align-items: stretch;
}

.contact-panel {
    background: var(--bg-main);
    color: var(--text-main);
    padding: 24px 22px 24px;
    border-radius: var(--radius-card);
    border: 1px solid var(--border-subtle);
    box-shadow: var(--shadow-soft);
}

.contact-panel h2 { font-size: 26px; margin-bottom: 8px; }

.contact-lead {
    font-size: 15px;
    color: var(--text-main);
    margin-bottom: 14px;
}

.contact-panel .contact-list {
    list-style: none;
    font-size: 14px;
    margin-bottom: 20px;
    padding-left: 0;
    color: #111827;
}

.contact-panel .contact-list li + li { margin-top: 4px; }

.contact-form {
    background: transparent;
    border-radius: 0;
    padding: 0;
    border: none;
    box-shadow: none;
}

.form-row {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 14px;
}

.form-group { margin-bottom: 12px; }

.form-group label {
    display: block;
    font-size: 13px;
    margin-bottom: 4px;
    color: #111827;
    font-weight: 600;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 9px 10px;
    border-radius: 10px;
    border: 1px solid #d1d5db;
    background: #f9fafb;
    font-size: 13px;
    color: #111827;
    resize: vertical;
}

.form-group input::placeholder,
.form-group textarea::placeholder { color: #9ca3af; }

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 1px rgba(14, 165, 233, 0.35);
}

.form-note { margin-top: 8px; font-size: 11px; color: var(--text-muted); }

/* ПОДВАЛ */

.footer {
    background: #020617;
    border-top: 1px solid rgba(148, 163, 184, 0.3);
    padding: 16px 0 18px;
    font-size: 12px;
    color: #9ca3af;
}

.footer-inner { display: flex; justify-content: space-between; gap: 12px; }

/* АДАПТИВ 960px */

@media (max-width: 960px) {
    .hero { padding: 90px 0 100px; }
    .hero h1 { font-size: 32px; }

    .hero-inner {
        min-height: auto;
        flex-direction: column;
        align-items: flex-start;
    }

    .hero-calculator { max-width: 100%; width: 100%; }

    .strip-inner { flex-direction: column; align-items: flex-start; }

    .about-inner { grid-template-columns: 1fr; }

    .about-cards { grid-template-columns: repeat(2, minmax(0, 1fr)); }

    .services-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }

    .service-card-wide { grid-column: 1 / -1; }

    .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); }

    .reviews-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }

    .contact-inner { grid-template-columns: 1fr; gap: 24px; }
}

/* АДАПТИВ 720px */

@media (max-width: 720px) {
    .header-inner { justify-content: space-between; }
    .nav { display: none; }

    .section { padding: 64px 0; }
    .hero { padding: 72px 0 84px; }
    .strip { padding: 18px 0; }

    .hero-facts { grid-template-columns: 1fr; }
    .about-cards { grid-template-columns: 1fr; }
    .services-grid { grid-template-columns: 1fr; }
    .steps { grid-template-columns: 1fr; }
    .reviews-grid { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }

    .contact-panel h2 { font-size: 22px; }

    .hero-calculator-card { transform: translateY(0); }
    .reasons-grid { grid-template-columns: 1fr; }
}

/* Центрирование заголовков и шрифты */

.section-bg-banks h2,
.section-bg-banks .banks-subtitle { text-align: center; }

h1, h2, h3,
.nav a,
.btn {
    font-family: "Manrope", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

.section-bg-reasons h2,
#services h2,
#process h2,
#reviews h2 { text-align: center; }

/* Немного типографики карточек */

.service-card { padding: 20px 20px 22px; }

.service-card h3 {
    font-family: "Manrope", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-size: 18px;
    font-weight: 700;
    letter-spacing: 0.01em;
    margin-bottom: 10px;
    color: #0f172a;
}

.service-card p {
    font-family: "Montserrat", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-size: 15px;
    line-height: 1.7;
    color: #020617;
    font-weight: 500;
    text-shadow: 0 0 1px rgba(255, 255, 255, 0.7);
}

.about-card { padding: 20px 20px 22px; }

.about-card h3 {
    font-family: "Manrope", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-size: 18px;
    font-weight: 700;
    letter-spacing: 0.01em;
    margin-bottom: 10px;
    color: #0f172a;
}

.about-card p {
    font-family: "Montserrat", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    font-size: 15px;
    line-height: 1.7;
    font-weight: 500;
    color: #020617;
}

/* усиление текста шагов */

.step h3 { font-weight: 700; color: #f9fafb; }

.step p {
    font-size: 13px;
    font-weight: 500;
    color: #e5e7eb;
    line-height: 1.6;
}

/* Сообщения статуса отправки формы */

.form-status { margin-top: 10px; font-size: 13px; color: #16a34a; }
.form-status.error { color: #b91c1c; }

/* Фоновые иллюстрации для карточек "Почему выбирают" (без дублей) */

.reason-1 {
    background:
        radial-gradient(circle at top left, rgba(15, 23, 42, 0.45), rgba(15, 23, 42, 0.48)),
        url("img/reason-1-vvs.jpg") center center / cover no-repeat;
}
.reason-2 {
    background:
        radial-gradient(circle at top left, rgba(15, 23, 42, 0.45), rgba(15, 23, 42, 0.48)),
        url("img/reason-2-vvs.jpg") center center / cover no-repeat;
}
.reason-3 {
    background:
        radial-gradient(circle at top left, rgba(15, 23, 42, 0.45), rgba(15, 23, 42, 0.48)),
        url("img/reason-3-vvs.jpg") center center / cover no-repeat;
}
.reason-4 {
    background:
        radial-gradient(circle at top left, rgba(15, 23, 42, 0.45), rgba(15, 23, 42, 0.48)),
        url("img/reason-4-vvs.jpg") center center / cover no-repeat;
}
.reason-5 {
    background:
        radial-gradient(circle at top left, rgba(15, 23, 42, 0.45), rgba(15, 23, 42, 0.48)),
        url("img/reason-5-vvs.jpg") center center / cover no-repeat;
}
.reason-6 {
    background:
        radial-gradient(circle at top left, rgba(15, 23, 42, 0.45), rgba(15, 23, 42, 0.48)),
        url("img/reason-6-vvs.jpg") center center / cover no-repeat;
}
/* =========================================
   АНИМАЦИЯ ДЛЯ ВСЕХ КАРТОЧЕК (HOVER)
   ========================================= */

/* Чтобы на мобилках не дёргалось: применяем только там, где есть hover */
@media (hover: hover) and (pointer: fine) {

  /* Общая база: плавность + подготовка к трансформациям */
  .about-card,
  .service-card,
  .reason-item,
  .step,
  .bank-card,
  .review-card,
  .contact-panel {
    transition:
      transform 220ms ease,
      box-shadow 220ms ease,
      border-color 220ms ease,
      filter 220ms ease,
      background-position 380ms ease;
    will-change: transform, box-shadow, filter;
    transform: translateZ(0);
  }

  /* "Оживление": карточка приподнимается + чуть масштаб + подсветка */
  .about-card:hover,
  .service-card:hover,
  .reason-item:hover,
  .step:hover,
  .bank-card:hover,
  .review-card:hover,
  .contact-panel:hover {
    transform: translateY(-8px) scale(1.015);
    box-shadow: 0 22px 55px rgba(2, 6, 23, 0.18);
    border-color: rgba(14, 165, 233, 0.35); /* под акцент */
    filter: saturate(1.05);
    background-position: 50% 45%; /* легкое "движение" фоновой картинки */
  }

  /* Чуть более мягко для логотипов банков (чтобы не было слишком резко) */
  .bank-card {
    transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease, filter 180ms ease;
  }
  .bank-card:hover {
    transform: translateY(-5px) scale(1.03);
    box-shadow: 0 16px 30px rgba(2, 6, 23, 0.14);
  }

  /* Доп. эффект: лёгкое свечение поверх карточек с тёмными фонами */
  .reason-item,
  .step,
  .review-card {
    position: relative;
  }

  .reason-item::after,
  .step::after,
  .review-card::after {
    content: "";
    position: absolute;
    inset: -2px;
    border-radius: inherit;
    opacity: 0;
    pointer-events: none;
    transition: opacity 220ms ease;
    background: radial-gradient(circle at top left, rgba(34, 211, 238, 0.22), transparent 55%);
  }

  .reason-item:hover::after,
  .step:hover::after,
  .review-card:hover::after {
    opacity: 1;
  }

  /* "Оживление" форм (полей) */
  .form-group input,
  .form-group select,
  .form-group textarea {
    transition: transform 160ms ease, box-shadow 160ms ease, border-color 160ms ease, background 160ms ease;
    will-change: transform;
  }

  .form-group input:hover,
  .form-group select:hover,
  .form-group textarea:hover {
    transform: translateY(-2px);
    border-color: rgba(14, 165, 233, 0.35);
    box-shadow: 0 10px 22px rgba(2, 6, 23, 0.10);
    background: #ffffff;
  }
}

/* Уважение к настройке "уменьшить движение" */
@media (prefers-reduced-motion: reduce) {
  .about-card,
  .service-card,
  .reason-item,
  .step,
  .bank-card,
  .review-card,
  .contact-panel,
  .form-group input,
  .form-group select,
  .form-group textarea {
    transition: none !important;
    animation: none !important;
    transform: none !important;
  }
}