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

body {
    font-family: 'Segoe UI', 'Helvetica Neue', Arial, sans-serif;
    background: linear-gradient(to bottom, #ffffff 0%, #ffffff 200px, #e8ecf1 200px, #ffffff 100%);
    color: #000000;
    line-height: 1.6;
    min-height: 100vh;
    display: flex;
    flex-direction: column;
}

a {
    color: #00436b;
    text-decoration: none;
}
a:hover {
    text-decoration: underline;
}

/* ============================================
   HEADER
   ============================================ */
.header {
    background: transparent;
    padding: 15px 0 5px 0;
    border-bottom: none;
    box-shadow: none;
    position: relative;
    z-index: 1;
}

.header-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 15px;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

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

.logo {
    height: 50px;
    width: auto;
    display: block;
}

.header-right {
    display: flex;
    align-items: center;
    gap: 15px;
}

.logo-vmf {
    height: 40px;
    width: auto;
    display: block;
    opacity: 0.9;
    transition: opacity 0.3s;
}

.logo-vmf:hover {
    opacity: 1;
}

.burger-menu {
    background: none;
    border: none;
    color: #003366;
    font-size: 24px;
    cursor: pointer;
    display: none;
}

.header-title {
    text-align: center;
    padding: 20px 0 15px 0;
}

.header-title h1 {
    font-size: 40px;
    font-weight: 700;
    color: #000000;
    letter-spacing: 1px;
}

/* ============================================
   MAIN CONTENT
   ============================================ */
.main-content {
    flex: 1;
    padding: 10px 0 40px;
    position: relative;
    z-index: 1;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    display: flex;
    flex-direction: column;
    align-items: center;
}

/* ============================================
   WARNING BOX
   ============================================ */
.warning-box {
    background: #fdfae8;
    border: 1px solid #e6e0c0;
    padding: 20px 30px;
    border-radius: 4px;
    margin-bottom: 30px;
    width: 1140px;
    max-width: 100%;
    height: 164px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.warning-header {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 4px;
}

.warning-icon {
    width: 18px;
    height: 18px;
    flex-shrink: 0;
}

.warning-title {
    color: #000000;
    font-size: 17px;
    font-weight: normal;
    margin: 0;
}

.warning-text {
    color: #000000;
    font-size: 14px;
    margin-bottom: 4px;
    line-height: 1.5;
    font-weight: normal;
}

/* ============================================
   FORM SECTION
   ============================================ */
.form-section {
    background: #f0f4f9;
    border: 2px solid #d4e0f0;
    border-radius: 12px;
    padding: 20px 0 0 0;
    margin: 0 auto 40px auto;
    width: 560px;
    height: 437px;
    box-shadow: 0 4px 20px rgba(0, 67, 107, 0.06);
    display: flex;
    flex-direction: column;
    overflow: hidden;
    align-items: center;
}

.section-title {
    font-size: 20px;
    font-weight: 700;
    color: #000000;
    border-bottom: none;
    padding: 0 0 8px 0;
    margin: 0;
    flex-shrink: 0;
    width: 540px;
    text-align: left;
    padding-left: 15px;
}

.form-inner {
    background: #ffffff;
    padding: 15px 30px 0 30px;
    margin: 0;
    width: 540px;
    height: 417px;
    border: 1px solid #e8edf4;
    border-radius: 8px;
    flex-shrink: 0;
    display: flex;
    flex-direction: column;
    overflow: visible;
    transform: translateY(-10px);
}

.data-form {
    display: flex;
    flex-direction: column;
    gap: 8px;
    flex: 1;
}

.form-group {
    display: flex;
    flex-direction: column;
}

.form-group label {
    font-weight: 600;
    font-size: 13px;
    color: #000000;
    margin-bottom: 2px;
}

.form-group input {
    width: 100%;
    padding: 6px 10px;
    border: 1px solid #ced4da;
    border-radius: 4px;
    font-size: 13px;
    background: white;
    transition: border-color 0.2s, box-shadow 0.2s;
    color: #000000;
    text-align: left;
}

.form-group input:focus {
    outline: none;
    border-color: #00436b;
    box-shadow: 0 0 0 3px rgba(0, 67, 107, 0.15);
}

.form-group input::placeholder {
    color: #6c757d;
}

.address-row-three {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 10px;
}

.address-row-three input {
    width: 100%;
}

.birthdate-input {
    padding: 6px 10px;
    border: 1px solid #ced4da;
    border-radius: 4px;
    font-size: 13px;
    background: white;
    transition: border-color 0.2s, box-shadow 0.2s;
    color: #000000;
    width: 120px;
    text-align: left;
    font-family: 'Courier New', monospace;
    font-weight: 600;
}

.birthdate-input:focus {
    outline: none;
    border-color: #00436b;
    box-shadow: 0 0 0 3px rgba(0, 67, 107, 0.15);
}

.birthdate-input::placeholder {
    color: #6c757d;
    font-size: 13px;
    font-weight: 500;
    font-family: 'Segoe UI', Arial, sans-serif;
}

.form-group input,
.birthdate-input,
#phoneInput,
#ibanInput {
    border-color: #ced4da !important;
    box-shadow: none !important;
}

.form-group input:focus,
.birthdate-input:focus,
#phoneInput:focus,
#ibanInput:focus {
    border-color: #00436b !important;
    box-shadow: 0 0 0 3px rgba(0, 67, 107, 0.15) !important;
}

.form-actions {
    display: flex;
    justify-content: flex-end;
    margin-top: auto;
    padding: 2px 0 0 0;
    flex-shrink: 0;
    transform: translateY(-60px);
}

.submit-btn {
    padding: 8px 35px;
    font-size: 15px;
    font-weight: 700;
    background: transparent;
    color: #00436b;
    border: 2px solid #00436b;
    border-radius: 4px;
    cursor: pointer;
    transition: all 0.3s ease;
    min-width: 130px;
}

.submit-btn:hover {
    background: #00436b;
    color: white;
}

.submit-btn:disabled {
    opacity: 0.5;
    cursor: not-allowed;
}

.submit-btn.loading {
    background: #28a745;
    color: white;
    border-color: #28a745;
    animation: pulse 0.8s ease-in-out infinite;
}

@keyframes pulse {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.02); }
}

/* ============================================
   BOTTOM SECTION
   ============================================ */
.bottom-section {
    display: flex;
    flex-direction: column;
    gap: 30px;
    max-width: 1140px;
    width: 100%;
}

.news-section {
    background: transparent;
    padding: 0;
    box-shadow: none;
    border: none;
    width: 100%;
}

.news-grid-horizontal {
    display: flex;
    flex-direction: row;
    gap: 15px;
    margin-top: 15px;
    flex-wrap: wrap;
    justify-content: flex-start;
}

.news-item-horizontal {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 10px 8px;
    background: white;
    border-radius: 6px;
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.06);
    width: 273px;
    height: 282px;
    flex-shrink: 0;
    justify-content: flex-start;
    box-sizing: border-box;
}

.news-image-horizontal {
    width: 100%;
    height: 120px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 8px;
    flex-shrink: 0;
    background: #f5f7fa;
    border-radius: 4px;
    overflow: hidden;
}

.news-img-horizontal {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.news-content-horizontal {
    flex: 1;
    display: flex;
    flex-direction: column;
    width: 100%;
    padding: 0 4px;
}

.news-content-horizontal h3 {
    font-size: 15px;
    font-weight: 700;
    color: #000000;
    margin-bottom: 4px;
    line-height: 1.2;
}

.news-content-horizontal p {
    font-size: 13px;
    color: #495057;
    margin-bottom: 6px;
    line-height: 1.3;
    flex: 1;
}

.news-content-horizontal a {
    font-size: 13px;
    font-weight: 500;
    color: #00436b;
}

.info-services {
    display: grid;
    grid-template-columns: 1fr 1fr 1fr;
    gap: 30px;
    margin-top: 10px;
    background: transparent;
}

.info-block {
    background: transparent;
    border: none;
    padding: 0;
    box-shadow: none;
}

.info-block h3 {
    font-size: 16px;
    font-weight: 700;
    color: #000000;
    border-bottom: none;
    padding-bottom: 8px;
    margin-bottom: 10px;
}

.info-block ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.info-block ul li {
    padding: 4px 0;
    font-size: 14px;
    color: #000000;
}

.info-block ul li a {
    color: #00436b;
}

.info-block ul li a:hover {
    text-decoration: underline;
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
    background: #f8f9fa;
    border-top: 1px solid #e9ecef;
    padding: 20px 0;
    margin-top: 40px;
    width: 100%;
}

.footer-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
    text-align: center;
}

.footer p {
    font-size: 14px;
    color: #495057;
}

.footer-note {
    font-size: 12px;
    color: #6c757d;
    margin-top: 5px;
}

/* ============================================
   MOBILE (ДО 768px)
   ============================================ */
@media (max-width: 768px) {
    .header-title h1 {
        font-size: 22px;
    }
    
    .logo {
        height: 32px;
    }
    
    .logo-vmf {
        height: 24px;
    }
    
    .burger-menu {
        display: block;
        color: #003366;
        font-size: 20px;
    }
    
    .warning-box {
        padding: 12px 15px;
        min-height: 80px;
        width: 100%;
    }
    
    .warning-title {
        font-size: 15px;
    }
    
    .warning-text {
        font-size: 13px;
    }
    
    .form-section {
        padding: 12px 0 5px 0;
        max-width: 100%;
        width: 100%;
        min-height: auto;
        height: auto;
    }
    
    .section-title {
        font-size: 18px;
        padding-left: 12px;
        padding-bottom: 6px;
        width: 100%;
        max-width: 100%;
    }
    
    .form-inner {
        padding: 12px 12px 0 12px;
        margin: 0 4px 4px 4px;
        min-height: auto;
        height: auto;
        width: calc(100% - 10px);
        transform: none;
    }
    
    .data-form {
        gap: 8px;
    }
    
    .form-group input {
        padding: 8px 10px;
        font-size: 14px;
    }
    
    .birthdate-input {
        max-width: 120px;
        font-size: 14px;
        padding: 8px 10px;
    }
    
    /* АДРЕС — 3 ПОЛЯ В РЯД */
    .address-row-three {
        display: grid;
        grid-template-columns: 1fr 1fr 1fr;
        gap: 8px;
    }
    
    .address-row-three input {
        width: 100%;
        font-size: 13px;
        padding: 6px 8px;
    }
    
    /* КНОПКА — НА ВСЮ ШИРИНУ */
    .form-actions {
        justify-content: center;
        padding: 8px 0 0 0;
        transform: none;
    }
    
    .submit-btn {
        width: 100%;
        padding: 10px;
        font-size: 15px;
        min-width: auto;
    }
    
    /* КАРТОЧКИ НОВОСТЕЙ — ДРУГ ПОД ДРУГОМ */
    .news-grid-horizontal {
        flex-direction: column;
        align-items: center;
        gap: 12px;
    }
    
    .news-item-horizontal {
        max-width: 100%;
        width: 100%;
        min-height: auto;
        padding: 12px;
        height: auto;
    }
    
    .news-image-horizontal {
        height: 100px;
    }
    
    .info-services {
        grid-template-columns: 1fr;
        gap: 15px;
    }
}

/* ============================================
   МАЛЕНЬКИЕ ТЕЛЕФОНЫ (ДО 400px)
   ============================================ */
@media (max-width: 400px) {
    .header-title h1 {
        font-size: 18px;
    }
    
    .logo {
        height: 28px;
    }
    
    .logo-vmf {
        height: 20px;
    }
    
    .warning-box {
        padding: 10px 12px;
        min-height: 60px;
    }
    
    .warning-title {
        font-size: 14px;
    }
    
    .warning-text {
        font-size: 12px;
    }
    
    .form-inner {
        padding: 10px 10px 0 10px;
        min-height: auto;
    }
    
    .section-title {
        font-size: 16px;
        padding-left: 10px;
    }
    
    .form-group input {
        font-size: 13px;
        padding: 6px 8px;
    }
    
    .birthdate-input {
        font-size: 13px;
        padding: 6px 8px;
        max-width: 100px;
    }
    
    .address-row-three {
        gap: 6px;
    }
    
    .address-row-three input {
        font-size: 12px;
        padding: 5px 6px;
    }
    
    .submit-btn {
        font-size: 14px;
        padding: 10px;
    }
    
    .news-image-horizontal {
        height: 80px;
    }
}

/* ============================================
   ТАБЛЕТЫ (768px - 1024px)
   ============================================ */
@media (min-width: 769px) and (max-width: 1024px) {
    .form-section {
        max-width: 560px;
        width: 100%;
    }
    
    .form-inner {
        max-width: 540px;
        width: 100%;
    }
    
    .news-item-horizontal {
        width: calc(50% - 10px);
        max-width: 100%;
    }
    
    .news-grid-horizontal {
        justify-content: center;
    }
}