.penalty-page {
    padding-top: 0;
}

.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    z-index: 1;
    overflow: hidden;
}

.hero-bg {
    position: absolute;
    inset: 0;
    z-index: 0;
}

.hero-image {
    position: absolute;
    inset: 0;
    background: url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?w=1920&q=80') center/cover no-repeat;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    z-index: 1;
    background: linear-gradient(180deg, 
        rgba(26, 31, 46, 0.95) 0%, 
        rgba(26, 31, 46, 0.85) 50%,
        rgba(19, 23, 34, 0.95) 85%, 
        #131722 100%
    );
}

.hero::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 120px;
    background: linear-gradient(to top, #131722 0%, transparent 100%);
    z-index: 2;
    pointer-events: none;
}

.hero-content {
    position: relative;
    z-index: 3;
    max-width: 850px;
    padding: 140px 0 80px;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    background: rgba(201, 169, 98, 0.15);
    border: 1px solid rgba(201, 169, 98, 0.3);
    border-radius: 20px;
    font-size: 13px;
    font-weight: 600;
    color: #c9a962;
    margin-bottom: 24px;
}

.badge-icon {
    display: flex;
}

.hero h1 {
    font-family: var(--font-heading);
    font-size: 48px;
    font-weight: 800;
    color: var(--text-main);
    line-height: 1.15;
    margin-bottom: 24px;
    letter-spacing: -1px;
}

.hero-subtitle {
    font-size: 20px;
    color: rgba(var(--text-main-rgb), 0.75);
    margin-bottom: 40px;
    line-height: 1.7;
}

.hero-actions {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.section {
    padding: 100px 0;
    position: relative;
    z-index: 10;
}

.section-dark {
    background: #131722;
}

.section-alt {
    background: #1a1f2e;
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 60px;
}

.section-title {
    font-family: var(--font-heading);
    font-size: 38px;
    font-weight: 700;
    color: var(--text-main);
    margin-bottom: 16px;
    line-height: 1.2;
}

.problems-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-bottom: 60px;
}

.problem-card {
    padding: 32px;
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: 20px;
}

.problem-icon {
    width: 64px;
    height: 64px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(201, 169, 98, 0.1);
    border-radius: 16px;
    color: #c9a962;
    margin-bottom: 24px;
}

.problem-title {
    font-family: var(--font-heading);
    font-size: 20px;
    font-weight: 700;
    color: var(--text-main);
    margin-bottom: 16px;
}

.problem-desc {
    font-size: 15px;
    color: rgba(var(--text-main-rgb), 0.65);
    line-height: 1.7;
}

.calculator-block {
    background: linear-gradient(135deg, rgba(201, 169, 98, 0.06) 0%, rgba(201, 169, 98, 0.02) 100%);
    border: 1px solid rgba(201, 169, 98, 0.2);
    border-radius: 24px;
    padding: 48px;
}

.calculator-title {
    font-family: var(--font-heading);
    font-size: 24px;
    font-weight: 700;
    color: var(--text-main);
    text-align: center;
    margin-bottom: 32px;
}

.calculator-form {
    display: grid;
    grid-template-columns: repeat(3, 1fr) auto;
    gap: 16px;
    align-items: end;
}

.calc-field {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.calc-field label {
    font-size: 13px;
    font-weight: 600;
    color: rgba(var(--text-main-rgb), 0.7);
}

.calc-field input,
.calc-field select {
    padding: 14px 18px;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 10px;
    color: var(--text-main);
    font-size: 15px;
    font-family: inherit;
    transition: border-color 0.3s ease;
}

.calc-field input:focus,
.calc-field select:focus {
    outline: none;
    border-color: #c9a962;
}

.calc-field input::placeholder {
    color: rgba(var(--text-main-rgb), 0.4);
}

.calc-field select {
    cursor: pointer;
}

.calc-field select option {
    background: #1a1f2e;
    color: var(--text-main);
}

.calc-btn {
    height: 50px;
    white-space: nowrap;
}

.calculator-result {
    margin-top: 32px;
    padding: 32px;
    background: rgba(255, 255, 255, 0.03);
    border-radius: 16px;
}

.result-main {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 16px;
}

.result-label {
    font-size: 18px;
    color: rgba(var(--text-main-rgb), 0.7);
}

.result-value {
    font-family: var(--font-heading);
    font-size: 32px;
    font-weight: 800;
    color: #c9a962;
}

.result-secondary {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 15px;
    color: rgba(var(--text-main-rgb), 0.6);
    margin-bottom: 16px;
    padding-bottom: 16px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.result-fine {
    color: var(--text-main);
    font-weight: 600;
}

.result-total {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 16px;
    color: rgba(var(--text-main-rgb), 0.8);
    margin-bottom: 16px;
}

.result-total-value {
    font-family: var(--font-heading);
    font-size: 28px;
    font-weight: 800;
    color: #4caf50;
}

.result-note {
    font-size: 13px;
    color: rgba(var(--text-main-rgb), 0.5);
    text-align: center;
}

.formula-block {
    max-width: 800px;
    margin: 0 auto;
}

.formula-box {
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: 20px;
    padding: 40px;
    text-align: center;
    margin-bottom: 32px;
}

.formula-title {
    font-family: var(--font-heading);
    font-size: 18px;
    font-weight: 600;
    color: rgba(var(--text-main-rgb), 0.7);
    margin-bottom: 24px;
}

.formula {
    background: rgba(201, 169, 98, 0.1);
    border-radius: 12px;
    padding: 24px;
}

.formula-text {
    font-family: 'Manrope', monospace;
    font-size: 20px;
    color: var(--text-main);
    letter-spacing: 1px;
}

.formula-highlight {
    color: #c9a962;
    font-weight: 700;
}

.example-block {
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: 20px;
    padding: 40px;
    margin-bottom: 24px;
}

.example-title {
    font-family: var(--font-heading);
    font-size: 20px;
    font-weight: 700;
    color: var(--text-main);
    margin-bottom: 24px;
}

.example-params {
    margin-bottom: 24px;
}

.param-row {
    display: flex;
    justify-content: space-between;
    padding: 12px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.param-row:last-child {
    border-bottom: none;
}

.param-name {
    color: rgba(var(--text-main-rgb), 0.6);
}

.param-value {
    font-weight: 600;
    color: var(--text-main);
}

.example-calc {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px;
    background: rgba(201, 169, 98, 0.1);
    border-radius: 12px;
    margin-bottom: 20px;
}

.calc-text {
    font-family: 'Manrope', monospace;
    font-size: 16px;
    color: rgba(var(--text-main-rgb), 0.7);
}

.calc-result {
    font-family: var(--font-heading);
    font-size: 24px;
    font-weight: 800;
    color: #c9a962;
}

.example-note {
    font-size: 15px;
    color: rgba(var(--text-main-rgb), 0.7);
    line-height: 1.6;
}

.example-note strong {
    color: #c9a962;
}

.formula-conclusion {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 20px 24px;
    background: rgba(76, 175, 80, 0.1);
    border: 1px solid rgba(76, 175, 80, 0.2);
    border-radius: 12px;
}

.formula-conclusion svg {
    color: #4caf50;
    flex-shrink: 0;
}

.formula-conclusion p {
    font-size: 16px;
    color: #4caf50;
    font-weight: 500;
}

.stages-timeline {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    margin-bottom: 32px;
}

.stage-item {
    padding: 24px;
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: 16px;
    text-align: center;
    position: relative;
}

.stage-item::after {
    content: '';
    position: absolute;
    top: 50%;
    right: -20px;
    width: 20px;
    height: 2px;
    background: linear-gradient(90deg, rgba(201, 169, 98, 0.5), transparent);
}

.stage-item:last-child::after {
    display: none;
}

.stage-number {
    width: 48px;
    height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, #c9a962 0%, #d4b872 100%);
    border-radius: 50%;
    color: #1a1f2e;
    font-family: var(--font-heading);
    font-size: 22px;
    font-weight: 800;
    margin: 0 auto 16px;
}

.stage-title {
    font-family: var(--font-heading);
    font-size: 16px;
    font-weight: 700;
    color: var(--text-main);
    margin-bottom: 10px;
}

.stage-desc {
    font-size: 13px;
    color: rgba(var(--text-main-rgb), 0.6);
    line-height: 1.5;
    margin-bottom: 12px;
}

.stage-yours {
    font-size: 12px;
    color: rgba(var(--text-main-rgb), 0.5);
    padding-top: 12px;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    text-align: left;
}

.stage-yours span {
    color: #c9a962;
    font-weight: 600;
}

.stages-note {
    text-align: center;
    font-size: 14px;
    color: rgba(var(--text-main-rgb), 0.5);
    padding: 16px;
    background: rgba(201, 169, 98, 0.05);
    border-radius: 10px;
}

.pricing-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    margin-bottom: 32px;
}

.pricing-card {
    padding: 40px;
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: 24px;
    position: relative;
}

.pricing-card:first-child {
    border-color: rgba(201, 169, 98, 0.3);
}

.pricing-badge {
    position: absolute;
    top: -12px;
    left: 32px;
    padding: 6px 16px;
    background: #c9a962;
    color: #1a1f2e;
    font-size: 12px;
    font-weight: 700;
    border-radius: 20px;
}

.pricing-title {
    font-family: var(--font-heading);
    font-size: 24px;
    font-weight: 700;
    color: var(--text-main);
    margin-bottom: 24px;
}

.pricing-conditions {
    margin-bottom: 24px;
}

.pricing-conditions p {
    font-size: 15px;
    color: rgba(var(--text-main-rgb), 0.75);
    line-height: 1.6;
    margin-bottom: 12px;
}

.pricing-conditions strong {
    color: #c9a962;
}

.pricing-highlight {
    color: #4caf50 !important;
    font-weight: 600;
}

.pricing-suitable {
    padding-top: 20px;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.suitable-label {
    display: block;
    font-size: 12px;
    font-weight: 600;
    color: rgba(var(--text-main-rgb), 0.5);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 8px;
}

.pricing-suitable p {
    font-size: 14px;
    color: rgba(var(--text-main-rgb), 0.6);
    line-height: 1.5;
    margin-bottom: 0;
}

.pricing-note {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 20px 24px;
    background: rgba(201, 169, 98, 0.05);
    border-radius: 12px;
    text-align: center;
    justify-content: center;
}

.pricing-note svg {
    color: #c9a962;
    flex-shrink: 0;
}

.pricing-note p {
    font-size: 15px;
    color: rgba(var(--text-main-rgb), 0.7);
}

.claims-grid {
    display: flex;
    justify-content: center;
}

.claims-table {
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: 16px;
    overflow: hidden;
    width: 100%;
    max-width: 900px;
}

.claims-header {
    display: grid;
    grid-template-columns: 2fr 1.5fr;
    padding: 20px 32px;
    background: rgba(201, 169, 98, 0.08);
    font-size: 14px;
    font-weight: 600;
    color: #c9a962;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.claims-row {
    display: grid;
    grid-template-columns: 2fr 1.5fr;
    padding: 20px 32px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
    align-items: center;
}

.claims-row:last-child {
    border-bottom: none;
}

.claim-name {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 16px;
    color: rgba(var(--text-main-rgb), 0.85);
}

.claim-name svg {
    color: #4caf50;
    flex-shrink: 0;
}

.claim-basis {
    font-size: 14px;
    color: rgba(var(--text-main-rgb), 0.5);
}

.case-block {
    background: linear-gradient(135deg, rgba(201, 169, 98, 0.08) 0%, rgba(201, 169, 98, 0.02) 100%);
    border: 1px solid rgba(201, 169, 98, 0.15);
    border-radius: 24px;
    padding: 48px;
}

.case-badge {
    display: inline-block;
    padding: 8px 16px;
    background: rgba(201, 169, 98, 0.15);
    border-radius: 8px;
    font-size: 14px;
    font-weight: 600;
    color: #c9a962;
    margin-bottom: 24px;
}

.case-content {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.case-text p {
    font-size: 17px;
    color: rgba(var(--text-main-rgb), 0.8);
    line-height: 1.7;
}

.case-solution h4 {
    font-family: var(--font-heading);
    font-size: 18px;
    font-weight: 700;
    color: var(--text-main);
    margin-bottom: 12px;
}

.case-solution p {
    font-size: 15px;
    color: rgba(var(--text-main-rgb), 0.7);
    line-height: 1.6;
}

.case-results {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
}

.case-result-item {
    padding: 20px;
    background: rgba(255, 255, 255, 0.03);
    border-radius: 12px;
    text-align: center;
}

.case-result-item.highlight {
    background: rgba(201, 169, 98, 0.1);
    border: 1px solid rgba(201, 169, 98, 0.2);
}

.case-result-item.final {
    background: rgba(76, 175, 80, 0.1);
    border: 1px solid rgba(76, 175, 80, 0.2);
}

.case-result-label {
    display: block;
    font-size: 12px;
    color: rgba(var(--text-main-rgb), 0.5);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 8px;
}

.case-result-value {
    font-family: var(--font-heading);
    font-size: 20px;
    font-weight: 800;
    color: var(--text-main);
}

.case-result-item.highlight .case-result-value {
    color: #c9a962;
}

.case-result-item.final .case-result-value {
    color: #4caf50;
}

.faq-list {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}

.faq-item:first-child {
    border-top: 1px solid rgba(255, 255, 255, 0.06);
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
    padding: 24px 0;
    font-size: 16px;
    font-weight: 600;
    color: var(--text-main);
    text-align: left;
    background: none;
    border: none;
    cursor: pointer;
    transition: color 0.3s ease;
}

.faq-question:hover {
    color: #c9a962;
}

.faq-question svg {
    flex-shrink: 0;
    width: 20px;
    height: 20px;
    color: #c9a962;
    transition: transform 0.3s cubic-bezier(0.22, 0.61, 0.36, 1);
}

.faq-item.active .faq-question svg {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s cubic-bezier(0.22, 0.61, 0.36, 1), padding 0.3s ease;
}

.faq-item.active .faq-answer {
    max-height: 300px;
    padding-bottom: 24px;
}

.faq-answer p {
    font-size: 15px;
    color: rgba(var(--text-main-rgb), 0.7);
    line-height: 1.7;
}

.cta-section {
    padding: 100px 0;
    background: linear-gradient(180deg, #1a1f2e 0%, #131722 50%, #1a1f2e 100%);
    text-align: center;
    position: relative;
}

.cta-section::before,
.cta-section::after {
    content: '';
    position: absolute;
    left: 50%;
    transform: translateX(-50%);
    width: 400px;
    height: 2px;
    background: linear-gradient(90deg, transparent, rgba(201, 169, 98, 0.6), transparent);
}

.cta-section::before { top: 0; }
.cta-section::after { bottom: 0; }

.cta-content {
    max-width: 700px;
    margin: 0 auto;
}

.cta-content h2 {
    font-family: var(--font-heading);
    font-size: 38px;
    font-weight: 700;
    color: var(--text-main);
    margin-bottom: 16px;
}

.cta-content p {
    font-size: 18px;
    color: rgba(var(--text-main-rgb), 0.7);
    margin-bottom: 32px;
}

.cta-buttons {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

.related-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.related-card {
    padding: 32px 24px;
    background: rgba(255, 255, 255, 0.03);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: 16px;
    transition: all 0.3s ease;
}

.related-card:hover {
    border-color: rgba(201, 169, 98, 0.3);
    transform: translateY(-4px);
}

.related-icon {
    width: 56px;
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(201, 169, 98, 0.1);
    border-radius: 14px;
    color: #c9a962;
    margin-bottom: 16px;
}

.related-card h4 {
    font-family: var(--font-heading);
    font-size: 18px;
    font-weight: 700;
    color: var(--text-main);
    margin-bottom: 8px;
}

.related-card p {
    font-size: 14px;
    color: rgba(var(--text-main-rgb), 0.6);
}





.modal-title {
    font-family: var(--font-heading);
    font-size: 24px;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--text-main);
}

.modal-desc {
    font-size: 14px;
    color: rgba(var(--text-main-rgb), 0.7);
    margin-bottom: 24px;
}

.modal-form {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.modal-form input,
.modal-form textarea {
    padding: 14px 18px;
    background: #1a1f2e;
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 8px;
    color: var(--text-main);
    font-size: 15px;
    font-family: inherit;
    transition: border-color 0.3s ease;
}

.modal-form input:focus,
.modal-form textarea:focus {
    outline: none;
    border-color: #c9a962;
}

.modal-form input::placeholder,
.modal-form textarea::placeholder {
    color: rgba(var(--text-main-rgb), 0.5);
}

.modal-form textarea {
    resize: vertical;
    min-height: 60px;
}

.modal-note {
    font-size: 12px;
    color: rgba(var(--text-main-rgb), 0.5);
    text-align: center;
    margin-top: 16px;
}











@media (max-width: 1024px) {
    .hero {
        min-height: 100dvh;
    }
    .problems-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    
    .calculator-form {
        grid-template-columns: 1fr 1fr;
    }
    
    .calc-btn {
        grid-column: span 2;
    }
    
    .stages-timeline {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .stage-item:nth-child(2)::after {
        display: none;
    }
    
    .pricing-grid {
        grid-template-columns: 1fr;
    }
    
    .case-results {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .related-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .hero h1 {
        font-size: 32px;
    }
    
    .hero-subtitle {
        font-size: 16px;
    }
    
    .hero-content {
        padding: 120px 0 60px;
    }
    
    .section {
        padding: 70px 0;
    }
    
    .section-title {
        font-size: 28px;
    }
    
    .calculator-form {
        grid-template-columns: 1fr;
    }
    
    .calc-btn {
        grid-column: span 1;
    }
    
    .calculator-block {
        padding: 32px 24px;
    }
    
    .stages-timeline {
        grid-template-columns: 1fr;
    }
    
    .stage-item::after {
        display: none;
    }
    
    .claims-header,
    .claims-row {
        grid-template-columns: 1fr;
        gap: 8px;
    }
    
    .claims-header span:last-child {
        display: none;
    }
    
    .claim-basis {
        display: block;
        margin-top: 4px;
    }
    
    .case-block {
        padding: 32px 24px;
    }
    
    .case-results {
        grid-template-columns: 1fr;
    }
    
    .cta-section {
        padding: 70px 0;
    }
    
    .cta-content h2 {
        font-size: 28px;
    }
    
    .cta-buttons {
        flex-direction: column;
    }
    
    .related-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 480px) {
    .hero h1 {
        font-size: 26px;
    }
    
    .hero-actions {
        flex-direction: column;
    }
    
    .hero-actions .btn {
        width: 100%;
    }
    
    .section-title {
        font-size: 24px;
    }
    
    .formula-box,
    .example-block {
        padding: 24px;
    }
    
    .cta-content h2 {
        font-size: 24px;
    }
}