:root {
  --bg: #f8fafc;
  --white: #ffffff;
  --ink: #111827;
  --soft: #667085;
  --line: #d9e1ec;
  --dark: #162033;
  --gold: #c49b3b;
  --gold-soft: #ffe7a0;
  --green: #0f8a5f;
  --shadow: 0 24px 90px rgba(17, 24, 39, .10);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background:
    radial-gradient(circle at 12% 6%, rgba(196, 155, 59, .18), transparent 28%),
    radial-gradient(circle at 88% 12%, rgba(22, 32, 51, .08), transparent 32%),
    linear-gradient(180deg, #ffffff 0%, #f7f9fc 52%, #ffffff 100%);
}

a {
  color: inherit;
  text-decoration: none;
}

.page {
  width: 100%;
  min-height: 100vh;
  overflow: hidden;
}

.header {
  width: min(1480px, calc(100% - 48px));
  margin: 0 auto;
  padding: 22px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 14px;
}

.brand__mark {
  width: 50px;
  height: 50px;
  display: grid;
  place-items: center;
  background: var(--dark);
  color: var(--gold-soft);
  font-weight: 900;
  letter-spacing: -.05em;
}

.brand__text strong {
  display: block;
  font-size: 21px;
  letter-spacing: -.05em;
}

.brand__text small {
  display: block;
  margin-top: 3px;
  color: var(--soft);
  font-size: 12px;
}

.nav {
  display: flex;
  gap: 8px;
  padding: 6px;
  background: rgba(255,255,255,.78);
  border: 1px solid var(--line);
  backdrop-filter: blur(16px);
}

.nav a {
  padding: 11px 16px;
  color: #344054;
  font-size: 14px;
  transition: .2s ease;
}

.nav a:hover {
  background: var(--dark);
  color: #fff;
}

.hero {
  width: min(1480px, calc(100% - 48px));
  min-height: 720px;
  margin: 0 auto;
  padding: 52px 0 72px;
  display: grid;
  grid-template-columns: 1.03fr .97fr;
  gap: 44px;
  align-items: center;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: #876313;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .14em;
  font-size: 12px;
}

.eyebrow:before {
  content: "";
  width: 34px;
  height: 1px;
  background: var(--gold);
}

h1,
h2,
h3,
p {
  margin: 0;
}

h1 {
  max-width: 850px;
  margin-top: 20px;
  color: var(--ink);
  font-size: clamp(46px, 5.4vw, 94px);
  line-height: .92;
  letter-spacing: -.075em;
}

.lead {
  max-width: 720px;
  margin-top: 28px;
  color: #475467;
  font-size: clamp(18px, 1.45vw, 23px);
  line-height: 1.55;
}

.actions {
  margin-top: 38px;
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.btn {
  min-height: 54px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0 22px;
  border: 1px solid var(--dark);
  font-weight: 900;
  transition: .2s ease;
  cursor: pointer;
}

.btn--dark {
  background: var(--dark);
  color: #fff;
}

.btn--dark:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 48px rgba(22, 32, 51, .18);
}

.btn--light {
  background: #fff;
  color: var(--dark);
}

.btn--light:hover {
  background: #f1f5f9;
}

.btn--white {
  background: #fff;
  color: var(--dark);
  border-color: #fff;
}

.hero__stats {
  margin-top: 44px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  background: rgba(255,255,255,.80);
  border: 1px solid var(--line);
  backdrop-filter: blur(14px);
}

.hero__stats div {
  padding: 22px;
  border-right: 1px solid var(--line);
}

.hero__stats div:last-child {
  border-right: 0;
}

.hero__stats b {
  display: block;
  font-size: 34px;
  letter-spacing: -.05em;
}

.hero__stats span {
  display: block;
  margin-top: 6px;
  color: var(--soft);
  font-size: 13px;
}

.rate-svg {
  width: 100%;
  height: auto;
  display: block;
}

.svg-line-main {
  stroke-dasharray: 900;
  stroke-dashoffset: 900;
  animation: drawLine 3.8s ease forwards, goldPulse 3.8s ease-in-out infinite;
}

.svg-line-soft {
  stroke-dasharray: 760;
  stroke-dashoffset: 760;
  animation: drawLine 4.6s .4s ease forwards;
}

.svg-bar {
  transform-box: fill-box;
  transform-origin: bottom;
  animation: barFloat 5s ease-in-out infinite;
}

.svg-bar--2 { animation-delay: .35s; }
.svg-bar--3 { animation-delay: .7s; }
.svg-bar--4 { animation-delay: 1.05s; }
.svg-bar--5 { animation-delay: 1.4s; }

.svg-dot {
  transform-box: fill-box;
  transform-origin: center;
  animation: dotPulse 2.6s ease-in-out infinite;
}

.svg-dot--2 {
  animation-delay: .8s;
}

@keyframes drawLine {
  to { stroke-dashoffset: 0; }
}

@keyframes goldPulse {
  50% { filter: drop-shadow(0 0 18px rgba(196,155,59,.55)); }
}

@keyframes barFloat {
  50% { transform: translateY(-12px); }
}

@keyframes dotPulse {
  50% { transform: scale(1.28); opacity: .72; }
}

.ticker {
  width: 100%;
  overflow: hidden;
  background: #fff;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.ticker__track {
  width: max-content;
  display: flex;
  gap: 48px;
  padding: 18px 0;
  animation: tickerMove 25s linear infinite;
}

.ticker span {
  color: #344054;
  font-size: 12px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .16em;
}

@keyframes tickerMove {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

.section {
  width: min(1480px, calc(100% - 48px));
  margin: 0 auto;
  padding: 92px 0 0;
}

.section__head {
  display: grid;
  grid-template-columns: 1fr minmax(280px, 540px);
  gap: 30px;
  align-items: end;
  margin-bottom: 34px;
}

.section__head h2,
.final h2 {
  margin-top: 16px;
  font-size: clamp(34px, 3.4vw, 60px);
  line-height: .98;
  letter-spacing: -.06em;
}

.section__head p {
  color: var(--soft);
  font-size: 16px;
  line-height: 1.62;
}

.table-card {
  background: rgba(255,255,255,.94);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}

.table-card__top {
  min-height: 72px;
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  border-bottom: 1px solid var(--line);
}

.table-card__top strong {
  font-size: 18px;
}

.table-card__top span {
  color: var(--soft);
  font-size: 14px;
}

.table-wrap {
  width: 100%;
  overflow-x: auto;
}

table {
  width: 100%;
  min-width: 980px;
  border-collapse: collapse;
}

th {
  padding: 18px;
  text-align: left;
  color: var(--soft);
  background: #f8fafc;
  border-bottom: 1px solid var(--line);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: .12em;
}

td {
  padding: 18px;
  border-bottom: 1px solid var(--line);
  vertical-align: middle;
}

tbody tr {
  transition: .2s ease;
}

tbody tr:hover {
  background: #fbfcff;
}

.place {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  background: var(--dark);
  color: #fff;
  font-weight: 900;
}

.bank {
  display: flex;
  align-items: center;
  gap: 14px;
  font-weight: 900;
}

.bank__logo {
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  background: #fff;
  border: 1px solid var(--line);
  color: var(--dark);
  font-weight: 900;
}

.rate {
  color: var(--green);
  font-size: 22px;
  font-weight: 900;
  letter-spacing: -.04em;
}

.score {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 900;
}

.stars {
  color: #c49b3b;
  white-space: nowrap;
  letter-spacing: 1px;
}

.badge {
  min-height: 32px;
  display: inline-flex;
  align-items: center;
  padding: 0 10px;
  background: #f8fafc;
  border: 1px solid var(--line);
  color: #344054;
  font-size: 13px;
  font-weight: 900;
}

.vote {
  min-height: 40px;
  padding: 0 14px;
  background: #fff;
  border: 1px solid var(--dark);
  color: var(--dark);
  font-weight: 900;
  cursor: pointer;
  transition: .2s ease;
}

.vote:hover,
.vote.is-voted {
  background: var(--dark);
  color: #fff;
}

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

.card {
  min-height: 260px;
  padding: 30px;
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: 0 16px 50px rgba(17,24,39,.06);
}

.card span {
  display: inline-flex;
  margin-bottom: 36px;
  color: var(--gold);
  font-size: 14px;
  font-weight: 900;
  letter-spacing: .16em;
}

.card h3 {
  font-size: 28px;
  letter-spacing: -.04em;
}

.card p {
  margin-top: 16px;
  color: var(--soft);
  line-height: 1.6;
}

.final {
  width: min(1480px, calc(100% - 48px));
  margin: 92px auto 48px;
  padding: 46px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  background:
    linear-gradient(135deg, rgba(22,32,51,.97), rgba(22,32,51,.90)),
    radial-gradient(circle at 82% 18%, rgba(196,155,59,.48), transparent 34%);
  color: #fff;
}

.final .eyebrow {
  color: var(--gold-soft);
}

@media (max-width: 1060px) {
  .hero {
    grid-template-columns: 1fr;
    min-height: auto;
    padding-top: 32px;
  }

  .hero__visual {
    max-width: 760px;
    margin: 0 auto;
  }

  .section__head {
    grid-template-columns: 1fr;
  }

  .cards {
    grid-template-columns: 1fr;
  }

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

@media (max-width: 720px) {
  .header,
  .hero,
  .section,
  .final {
    width: min(100% - 28px, 1480px);
  }

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

  .nav {
    width: 100%;
    overflow-x: auto;
  }

  h1 {
    font-size: 48px;
  }

  .hero__stats {
    grid-template-columns: 1fr;
  }

  .hero__stats div {
    border-right: 0;
    border-bottom: 1px solid var(--line);
  }

  .hero__stats div:last-child {
    border-bottom: 0;
  }

  .table-card__top {
    align-items: flex-start;
    flex-direction: column;
  }

  .section {
    padding-top: 68px;
  }

  .final {
    padding: 28px;
  }
}

/* STEP 4: чистый верхний блок без длинного рекламного текста */
.hero__content--clean {
  align-self: stretch;
  display: flex;
  align-items: center;
}

.hero-panel {
  width: 100%;
  padding: clamp(28px, 4vw, 54px);
  background:
    linear-gradient(180deg, rgba(255,255,255,.98), rgba(248,250,252,.96)),
    radial-gradient(circle at 80% 10%, rgba(196,155,59,.18), transparent 34%);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}

.hero-panel__top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 22px;
  margin-bottom: 34px;
}

.hero-panel h1 {
  margin-top: 16px;
  font-size: clamp(62px, 7vw, 118px);
  line-height: .84;
  letter-spacing: -.08em;
}

.hero-panel__badge {
  min-width: 92px;
  min-height: 46px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--dark);
  color: var(--gold-soft);
  font-size: 13px;
  font-weight: 900;
  letter-spacing: .12em;
}

.hero-chart {
  display: grid;
  gap: 16px;
  margin: 8px 0 32px;
}

.hero-chart__row {
  display: grid;
  grid-template-columns: minmax(120px, 1fr) 76px;
  gap: 16px;
  align-items: center;
  position: relative;
  padding-bottom: 13px;
  color: #344054;
  font-weight: 900;
}

.hero-chart__row strong {
  color: var(--green);
  text-align: right;
  font-size: 18px;
}

.hero-chart__row i {
  grid-column: 1 / -1;
  display: block;
  width: 100%;
  height: 8px;
  background: #edf1f6;
  position: relative;
  overflow: hidden;
}

.hero-chart__row i:before {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  width: var(--w);
  background: linear-gradient(90deg, var(--gold), var(--gold-soft));
  animation: chartGrow 1.4s ease both;
}

@keyframes chartGrow {
  from { width: 0; }
  to { width: var(--w); }
}

@media (max-width: 720px) {
  .hero-panel__top {
    flex-direction: column;
  }

  .hero-panel h1 {
    font-size: 64px;
  }

  .hero-chart__row {
    grid-template-columns: 1fr 70px;
  }
}