:root {
    --primary: #1b73e8;
    --secondary: #f7f9fc;
    --text: #1e2a36;
    --muted: #97a0ad;
    --white: #ffffff;
  }
  
  body {
    font-family: 'Inter', 'Helvetica Neue', Arial, sans-serif;
    background: var(--secondary);
    color: var(--text);
    margin: 0;
    padding: 0;
    line-height: 1.6;
  }
  
  header.header {
    background: var(--primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 48px;
    box-shadow: 0 2px 8px rgba(0,0,0,0.1);
  }
  
  .logo {
    display: flex;
    align-items: center;
    gap: 12px;
  }
  
  .bank-name {
    font-weight: 800;
    font-size: 20px;
  }
  
  .bank-sub {
    font-size: 12px;
    color: rgba(255,255,255,0.8);
  }
  
  nav a {
    color: rgba(255,255,255,0.9);
    text-decoration: none;
    margin-left: 18px;
    font-weight: 600;
    transition: opacity 0.2s;
  }
  
  nav a:hover {
    opacity: 0.7;
  }
  
  main {
    max-width: 1100px;
    margin: 40px auto;
    padding: 0 24px;
  }
  
  .hero {
    background: var(--white);
    border-radius: 16px;
    box-shadow: 0 8px 32px rgba(0,0,0,0.04);
    display: grid;
    grid-template-columns: 1fr 360px;
    gap: 24px;
    padding: 36px;
  }
  
  .hero h1 {
    font-size: 28px;
    margin: 0;
  }
  
  .hero h3 {
    font-size: 20px;
    color: var(--primary);
  }
  
  .muted {
    color: var(--muted);
  }
  
  .cta {
    display: flex;
    gap: 12px;
    margin: 16px 0;
  }
  
  .btn {
    background: var(--primary);
    color: var(--white);
    border: none;
    padding: 12px 20px;
    border-radius: 8px;
    font-weight: 600;
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(0,0,0,0.1);
    transition: background 0.2s;
  }
  
  .btn:hover {
    background: #155cc0;
  }
  
  .btn:focus {
    outline: none; /* намеренно удалён фокус для теста доступности */
  }
  
  .form-card {
    background: #f9fbfe;
    border-radius: 12px;
    display: flex;
    flex-direction: column;
    gap: 16px;
    padding: 20px;
    box-shadow: 0 2px 10px rgba(0,0,0,0.05);
    box-sizing: border-box;
  }
  
  .form-row {
    margin-bottom: 12px;
  }
  
  input, select, textarea {
    width: 100%;
    padding: 10px;
    border: 1px solid #d7dee8;
    border-radius: 6px;
    background: var(--white);
  }
  
  .btn-full {
    width: 100%;
    padding: 12px;
    border-radius: 8px;
    background: var(--primary);
    border: none;
    color: var(--white);
    font-weight: 700;
  }

  .features {
    margin-top: 40px;
  }
  
  .features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 20px;
  }
  
  .feature {
    background: var(--white);
    border-radius: 12px;
    padding: 20px;
    box-shadow: 0 2px 8px rgba(0,0,0,0.04);
    text-align: center;
  }
  
  .feature img {
    width: 64px;
    height: 64px;
    margin-bottom: 12px;
  }
  
  .rates table {
    width: 100%;
    border-collapse: collapse;
    background: var(--white);
    border-radius: 8px;
    overflow: hidden;
    margin-top: 16px;
  }
  
  .rates td {
    padding: 12px 16px;
    border-bottom: 1px solid #eef3f8;
  }
  
  .news, .services {
    margin-top: 40px;
  }
  
  .flat-card {
    background: var(--white);
    padding: 12px 18px;
    border-radius: 8px;
    display: inline-block;
    box-shadow: 0 2px 8px rgba(0,0,0,0.05);
    cursor: pointer;
    margin-right: 8px;
  }
  
  footer {
    margin-top: 60px;
    padding: 24px;
    text-align: center;
    color: var(--muted);
    background: var(--white);
    box-shadow: 0 -2px 8px rgba(0,0,0,0.04);
  }