/* ===== 0% рассрочка на 12 месяцев: сквозная лента, блок с калькулятором, ленты на страницах услуг ===== */

/* --- сквозная лента под шапкой (на всех страницах) --- */
.inst-ribbon{display:flex;align-items:center;justify-content:center;gap:18px;flex-wrap:wrap;
  padding:13px 24px;background:linear-gradient(100deg,#E8818F 0%,#E899A4 55%,#F0AEB6 100%);
  color:#fff;text-align:center;box-shadow:inset 0 -1px 0 rgba(122,58,68,.18)}
.inst-ribbon:hover .inst-ribbon__cta{background:#fff;color:#C65E6E}
.inst-ribbon__badge{flex:none;display:inline-flex;align-items:center;justify-content:center;
  min-width:52px;height:38px;padding:0 12px;border-radius:30px;background:#fff;color:#C65E6E;
  font-family:'Nunito',system-ui,sans-serif;font-weight:900;font-size:22px;line-height:1;
  box-shadow:0 6px 16px -8px rgba(122,58,68,.9);animation:inst-pulse 2.6s ease-in-out infinite}
.inst-ribbon__text{display:flex;flex-direction:column;gap:2px;align-items:flex-start;text-align:left}
.inst-ribbon__text b{font-family:'Nunito',system-ui,sans-serif;font-weight:900;font-size:17px;line-height:1.15;letter-spacing:-.01em}
.inst-ribbon__sub{font-size:13px;font-weight:600;opacity:.92}
.inst-ribbon__cta{flex:none;border:1.5px solid rgba(255,255,255,.75);border-radius:40px;
  padding:9px 18px;font-weight:800;font-size:13.5px;white-space:nowrap;transition:background .15s,color .15s}
@keyframes inst-pulse{0%,100%{transform:scale(1)}50%{transform:scale(1.07)}}
@media (prefers-reduced-motion:reduce){.inst-ribbon__badge{animation:none}}
@media(max-width:860px){
  .inst-ribbon{gap:12px;padding:11px 16px}
  .inst-ribbon__text b{font-size:15.5px}
  .inst-ribbon__sub{font-size:12px}
  .inst-ribbon__cta{padding:8px 14px;font-size:12.5px}
}
@media(max-width:560px){
  .inst-ribbon{flex-wrap:nowrap;justify-content:flex-start;text-align:left}
  .inst-ribbon__badge{min-width:44px;height:32px;font-size:18px}
  .inst-ribbon__text b{font-size:14.5px}
  .inst-ribbon__cta{display:none}
}

/* --- блок акции с калькулятором (главная, секция «Акции») --- */
.inst-feature{display:grid;grid-template-columns:1fr minmax(300px,.85fr);gap:22px;align-items:center;
  border-radius:20px;padding:22px 24px;margin:24px 0 0;
  background:linear-gradient(140deg,#14608F 0%,#1C7CB8 52%,#2E97CE 100%);color:#fff;
  box-shadow:0 28px 48px -32px rgba(20,96,143,.6)}
.inst-feature__head{display:flex;align-items:center;gap:16px}
.inst-feature__big{flex:none;font-family:'Nunito',system-ui,sans-serif;font-weight:900;
  font-size:clamp(34px,3.6vw,46px);line-height:.9;letter-spacing:-.03em}
.inst-feature__label{font-size:11.5px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;opacity:.85;margin:0}
.inst-feature h3{font-family:'Nunito',system-ui,sans-serif;font-weight:900;
  font-size:clamp(18px,1.9vw,23px);line-height:1.2;letter-spacing:-.02em;margin:4px 0 0}
.inst-list{list-style:none;margin:14px 0 0;padding:0;display:flex;flex-wrap:wrap;gap:6px 18px}
.inst-list li{display:flex;gap:8px;font-size:13.5px;font-weight:600;line-height:1.3}
.inst-list li span{flex:none;width:18px;height:18px;border-radius:50%;background:rgba(255,255,255,.2);
  display:flex;align-items:center;justify-content:center;font-size:10.5px;font-weight:900}
.inst-feature__note{font-size:11.5px;opacity:.72;margin:10px 0 0;line-height:1.4}

/* калькулятор */
.inst-calc{background:#fff;border-radius:16px;padding:18px;color:#10384C;display:flex;flex-direction:column}
.inst-calc__sumrow{display:flex;align-items:baseline;justify-content:space-between;gap:10px}
.inst-calc__sumlabel{font-size:13px;font-weight:700;color:#46606C}
.inst-calc__sum{font-family:'Nunito',system-ui,sans-serif;font-weight:900;font-size:21px;color:#14608F;white-space:nowrap}
.inst-calc input[type=range]{-webkit-appearance:none;appearance:none;width:100%;margin:12px 0 0;
  height:7px;border-radius:8px;background:#DCEAF2;outline:none;cursor:pointer}
.inst-calc input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;
  width:23px;height:23px;border-radius:50%;background:#1C7CB8;border:4px solid #fff;
  box-shadow:0 4px 12px -2px rgba(28,124,184,.9);cursor:pointer}
.inst-calc input[type=range]::-moz-range-thumb{width:19px;height:19px;border-radius:50%;
  background:#1C7CB8;border:4px solid #fff;box-shadow:0 4px 12px -2px rgba(28,124,184,.9);cursor:pointer}
.inst-calc input[type=range]:focus-visible{outline:3px solid #9CD7EF;outline-offset:4px}
.inst-calc__scale{display:flex;justify-content:space-between;font-size:11.5px;color:#7C97A4;font-weight:600;margin-top:6px}
.inst-calc__result{margin-top:12px;background:#EEF6FB;border:1px solid #CFE6F2;border-radius:13px;padding:13px 15px}
.inst-calc__pay{display:flex;align-items:baseline;gap:8px;flex-wrap:wrap}
.inst-calc__pay b{font-family:'Nunito',system-ui,sans-serif;font-weight:900;font-size:clamp(25px,2.6vw,31px);color:#14608F;line-height:1}
.inst-calc__pay i{font-style:normal;font-size:13px;font-weight:700;color:#46606C}
.inst-calc__meta{display:flex;gap:14px;flex-wrap:wrap;margin-top:8px;font-size:12.5px;color:#46606C;font-weight:600}
.inst-calc__meta b{color:#10384C}
.inst-calc__btn{margin-top:13px;display:block;background:#1C7CB8;color:#fff;font-family:'Nunito',system-ui,sans-serif;
  font-weight:800;font-size:15px;padding:13px;border-radius:11px;text-align:center}
.inst-calc__btn:hover{background:#14608F}
@media(max-width:900px){
  .inst-feature{grid-template-columns:1fr;padding:20px;gap:18px;align-items:stretch}
  .inst-feature__big{font-size:38px}
  .inst-calc{padding:16px}
}

/* --- узкая лента на страницах услуг --- */
.inst-band{background:linear-gradient(100deg,#FCF0F2,#FAE3E7);border-block:1px solid #F1DCE0}
.inst-band-inner{max-width:1200px;margin:0 auto;padding:16px 24px;display:flex;align-items:center;gap:16px}
.inst-band__badge{flex:none;display:flex;align-items:center;justify-content:center;width:52px;height:52px;
  border-radius:15px;background:linear-gradient(140deg,#E8818F,#E899A4);color:#fff;
  font-family:'Nunito',system-ui,sans-serif;font-weight:900;font-size:21px;
  box-shadow:0 12px 22px -14px rgba(200,90,110,.9)}
.inst-band__body{flex:1;min-width:0}
.inst-band__label{font-size:12px;font-weight:800;color:#C65E6E;margin:0}
.inst-band__body h2{font-family:'Nunito',system-ui,sans-serif;font-weight:900;font-size:clamp(17px,1.9vw,21px);
  line-height:1.2;color:#7A3A44;margin:3px 0 0;letter-spacing:-.01em}
.inst-band__body p{font-size:13px;color:#8A5560;margin:4px 0 0;max-width:720px}
.inst-band__cta{flex:none;background:#E8818F;color:#fff;font-weight:800;font-size:13.5px;
  padding:11px 20px;border-radius:40px;white-space:nowrap;text-align:center}
.inst-band__cta:hover{background:#D4697A}
@media(max-width:820px){
  .inst-band-inner{flex-wrap:wrap;gap:14px;padding:14px 20px}
  .inst-band__badge{width:44px;height:44px;font-size:18px;border-radius:13px}
  .inst-band__body{flex:1 1 55%}
  .inst-band__cta{width:100%}
}

/* якорь под «липкой» шапкой */
#installment{scroll-margin-top:96px}