/* =====================================================================
   Хаб калькуляторов /category/tools/ по макету 24.09.2026 (category-tools.php).
   Отдельный файл, потому что css/tools-hub.css общий с блогом и «השוואות»:
   правка ради этой страницы задела бы их обе. Здесь только классы msi-tc-*
   и точечные надстройки над карточкой хаба. Токены — из design.css.
   ===================================================================== */
.msi-tc { --tc-gold-soft: #FEF3C7; --tc-gold-line: #FDE9AE; --tc-gold-text: #8A5200; --tc-blue-soft: #EEF3FB; background: var(--ms-surface); }
.msi-tc .msi-hub-ico { width: 20px; height: 20px; }

/* ---------- шапка ---------- */
.msi-tc-hero { background: linear-gradient(180deg, #EDF2FA 0%, #F8FAFD 100%); border-bottom: 1px solid var(--ms-border); padding-block: 22px 28px; }
.msi-tc-hero-grid { display: flex; align-items: flex-end; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.msi-tc-hero-main { max-width: 760px; }
.msi-tc-badge { display: inline-flex; align-items: center; gap: 7px; background: var(--tc-gold-soft); border: 1px solid var(--tc-gold-line); color: var(--tc-gold-text); border-radius: 999px; padding: 5px 14px; font-size: 13px; font-weight: 700; margin-bottom: 12px; }
.msi-tc-badge .msi-hub-ico { width: 16px; height: 16px; }
.msi-tc-hero .msi-hub-title { font-size: 40px; margin-bottom: 10px; }
.msi-tc-hero .msi-hub-lead { margin-bottom: 0; font-size: 17px; }
.msi-tc-hero-actions { display: flex; gap: 10px; flex-wrap: wrap; }

.msi-tc-btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; height: 44px; padding-inline: 18px; border: 0; border-radius: 12px; font: inherit; font-size: 15px; font-weight: 700; cursor: pointer; transition: background .15s, border-color .15s, color .15s; }
.msi-tc-btn .msi-hub-ico { width: 18px; height: 18px; }
.msi-tc-btn--primary { background: var(--ms-navy); color: #fff !important; }
.msi-tc-btn--primary:hover { background: var(--ms-navy-2); }
.msi-tc-btn--ghost { background: var(--ms-surface); border: 1.5px solid var(--ms-border); color: var(--ms-navy) !important; }
.msi-tc-btn--ghost:hover { border-color: var(--ms-navy); }
.msi-tc-btn--gold { background: var(--ms-amber); color: var(--ms-navy) !important; }
.msi-tc-btn--gold:hover { background: var(--ms-amber-2); }

.msi-tc-metrics { list-style: none; margin: 24px 0 0; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 12px; }
.msi-tc-metrics li { display: flex; align-items: center; gap: 12px; background: var(--ms-surface); border: 1px solid var(--ms-border); border-radius: 16px; padding: 12px 16px; }
.msi-tc-metric-ico { flex: 0 0 auto; width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; }
.msi-tc-metric-ico .msi-hub-ico { width: 22px; height: 22px; }
.msi-tc-metric-ico--blue { background: var(--tc-blue-soft); color: var(--ms-navy-2); }
.msi-tc-metric-ico--gold { background: var(--tc-gold-soft); color: var(--tc-gold-text); }
.msi-tc-metric-ico--green { background: #E3F6EE; color: #0B7A55; }
.msi-tc-metric-ico--indigo { background: #ECEBFF; color: #4338CA; }
.msi-tc-metric-body { display: flex; flex-direction: column; min-width: 0; }
.msi-tc-metric-body strong { font-size: 22px; font-weight: 900; color: var(--ms-navy); line-height: 1.2; }
.msi-tc-metric-body > span { font-size: 13px; color: var(--ms-muted); }

/* ---------- витрина ---------- */
.msi-tc-featured { padding-block: 34px; background: var(--ms-surface); border-bottom: 1px solid var(--ms-border); }
.msi-tc-sec-head { display: flex; align-items: center; justify-content: space-between; gap: 14px; flex-wrap: wrap; margin-bottom: 18px; }
.msi-tc-sec-head h2 { display: flex; align-items: center; gap: 10px; font-size: 25px; font-weight: 900; color: var(--ms-navy); margin: 0; }
.msi-tc-sec-bar { width: 6px; height: 24px; border-radius: 999px; background: var(--ms-amber); display: inline-block; }
.msi-tc-flag { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 700; color: #0B7A55; background: #E3F6EE; border: 1px solid #BFE7D7; border-radius: 999px; padding: 5px 12px; }
.msi-tc-flag .msi-hub-ico { width: 15px; height: 15px; }

.msi-tc-featured-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
.msi-tc-fcard { display: flex; flex-direction: column; background: var(--ms-bg); border: 1px solid var(--ms-border); border-radius: var(--ms-radius); padding: 18px 20px 16px; transition: box-shadow .2s, transform .2s, border-color .2s; }
.msi-tc-fcard:hover { box-shadow: var(--ms-shadow); transform: translateY(-2px); border-color: var(--ms-amber); }
.msi-tc-fcard-top { display: flex; align-items: center; gap: 8px; margin-bottom: 12px; }
.msi-tc-fcard-ico { width: 36px; height: 36px; border-radius: 10px; display: grid; place-items: center; background: var(--tc-blue-soft); color: var(--ms-navy-2); flex: 0 0 auto; }
.msi-tc-fcard--mortgage .msi-tc-fcard-ico { background: #FFF3CC; color: #8F6400; }
.msi-tc-fcard--salary .msi-tc-fcard-ico { background: #E3F6EE; color: #0B7A55; }
.msi-tc-fcard--savings .msi-tc-fcard-ico { background: #ECEBFF; color: #4338CA; }
.msi-tc-fcard--business .msi-tc-fcard-ico { background: #FFE8E0; color: #C2410C; }
.msi-tc-fcard--pension .msi-tc-fcard-ico { background: #E4ECF8; color: var(--ms-navy); }
.msi-tc-fcard-group { font-size: 12.5px; font-weight: 700; color: var(--ms-muted); }
.msi-tc-fcard h3 { font-size: 18px; line-height: 1.32; font-weight: 800; margin: 0 0 8px; }
.msi-tc-fcard h3 .msi-tc-fcard-link { color: var(--ms-navy) !important; text-decoration: none; }
.msi-tc-fcard h3 .msi-tc-fcard-link:hover { color: var(--ms-navy-2) !important; }
.msi-tc-fcard p { margin: 0 0 12px; font-size: 14px; line-height: 1.6; color: var(--ms-muted); display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden; }
.msi-tc-fcard-chips { list-style: none; margin: 0 0 14px; padding: 0; display: flex; flex-wrap: wrap; gap: 6px; }
.msi-tc-fcard-chips li { font-size: 11.5px; font-weight: 600; color: var(--ms-text); background: var(--ms-surface); border: 1px solid var(--ms-border); border-radius: 8px; padding: 3px 9px; }
.msi-tc-fcard-cta { margin-top: auto; height: 40px; border-radius: 12px; background: var(--ms-navy); color: #fff !important; display: flex; align-items: center; justify-content: center; gap: 8px; font-size: 14px; font-weight: 800; transition: background .15s; }
.msi-tc-fcard-cta:hover { background: var(--ms-navy-2); }

/* ---------- липкая панель ---------- */
.msi-tc-bar { position: sticky; top: var(--msi-sticky-top); z-index: 30; background: rgba(255,255,255,.97); -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px); border-bottom: 1px solid var(--ms-border); padding-block: 12px 10px; }
.msi-tc-bar-row { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; }
.msi-tc-bar .msi-hub-search { flex: 1; min-width: 260px; max-width: none; }
.msi-tc-bar .msi-hub-search input { padding-block: 11px; font-size: 15px; border-radius: 12px; }
.msi-tc-bar-controls { display: flex; align-items: center; gap: 8px; flex: 0 0 auto; }
.msi-tc-select { position: relative; display: inline-flex; align-items: center; }
.msi-tc-select .msi-hub-ico { position: absolute; inset-inline-start: 12px; width: 17px; height: 17px; color: var(--ms-muted); pointer-events: none; }
.msi-tc-select select { height: 44px; padding-inline: 36px 14px; border: 1.5px solid var(--ms-border); border-radius: 12px; background: var(--ms-surface); font: inherit; font-size: 14px; font-weight: 600; color: var(--ms-text); cursor: pointer; -webkit-appearance: none; appearance: none; }
.msi-tc-select select:focus { outline: none; border-color: var(--ms-navy); }
.msi-tc-view { display: flex; gap: 2px; padding: 3px; border: 1.5px solid var(--ms-border); border-radius: 12px; background: var(--ms-surface); }
.msi-tc-view button { display: grid; place-items: center; width: 36px; height: 36px; border: 0; border-radius: 9px; background: transparent; color: var(--ms-muted); cursor: pointer; transition: background .15s, color .15s; }
.msi-tc-view button.is-active { background: var(--ms-navy); color: #fff; }

.msi-tc-chips { display: flex; gap: 8px; overflow-x: auto; scrollbar-width: none; -webkit-overflow-scrolling: touch; padding-top: 10px; }
.msi-tc-chips::-webkit-scrollbar { display: none; }
.msi-tc-chip { flex: 0 0 auto; display: inline-flex; align-items: center; gap: 7px; height: 38px; padding-inline: 14px; border: 1.5px solid var(--ms-border); border-radius: 12px; background: var(--ms-surface); font: inherit; font-size: 14px; font-weight: 700; color: var(--ms-navy); cursor: pointer; white-space: nowrap; transition: background .15s, border-color .15s, color .15s; }
.msi-tc-chip .msi-hub-ico { width: 17px; height: 17px; }
.msi-tc-chip:hover { border-color: var(--ms-amber); }
.msi-tc-chip b { font-size: 12px; font-weight: 800; background: var(--ms-bg); color: var(--ms-navy); border-radius: 999px; padding: 1px 8px; }
.msi-tc-chip.is-active { background: var(--ms-navy); border-color: var(--ms-navy); color: #fff; }
.msi-tc-chip.is-active b { background: rgba(255,255,255,.2); color: #fff; }

/* ---------- подсказка ---------- */
.msi-tc-guide { background: #F4F8FD; border-bottom: 1px solid var(--ms-border); padding-block: 16px; }
.msi-tc-guide-box { display: flex; gap: 14px; align-items: flex-start; background: var(--ms-surface); border: 1px solid #D9E6F5; border-radius: 14px; padding: 16px 18px; }
.msi-tc-guide-ico { flex: 0 0 auto; width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center; background: var(--ms-navy); color: #fff; }
.msi-tc-guide-box h2 { font-size: 17px; font-weight: 800; color: var(--ms-navy); margin: 0 0 4px; }
.msi-tc-guide-box p { margin: 0; font-size: 14.5px; line-height: 1.65; color: var(--ms-muted); }

/* ---------- каталог ---------- */
.msi-tc-catalog { background: var(--ms-bg); padding-block: 26px 34px; }
.msi-tc-catalog-head { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; flex-wrap: wrap; margin-bottom: 4px; }
.msi-tc-catalog-head h2 { display: flex; align-items: center; gap: 10px; font-size: 24px; font-weight: 900; color: var(--ms-navy); margin: 0; }
.msi-tc-count { font-size: 13px; font-weight: 800; color: var(--ms-navy-2); background: var(--tc-blue-soft); border-radius: 999px; padding: 3px 12px; }
.msi-tc-catalog .msi-hub-count { margin: 0; }

.msi-tc-group { padding-block: 26px 0; }
.msi-tc-group + .msi-tc-group { border-top: 0; }
.msi-tc-group-head { display: flex; align-items: center; gap: 14px; margin-bottom: 16px; }
.msi-tc-group-head h3 { font-size: 20px; font-weight: 800; color: var(--ms-navy); margin: 0 0 3px; }
.msi-tc-group-head p { margin: 0; font-size: 14px; line-height: 1.55; color: var(--ms-muted); max-width: 720px; display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; overflow: hidden; }
.msi-tc-group-head > div { flex: 1; min-width: 0; }
.msi-tc-group-n { flex: 0 0 auto; font-size: 12.5px; font-weight: 700; color: var(--ms-muted); background: var(--ms-surface); border: 1px solid var(--ms-border); border-radius: 999px; padding: 4px 12px; }
.msi-tc-group .msi-hub-group-icon { width: 44px; height: 44px; border-radius: 12px; }
.msi-tc-group .msi-hub-group-icon .msi-hub-ico { width: 22px; height: 22px; }

/* карточка каталога: бейдж темы поверх картинки и кнопка действия в подвале */
.msi-tc-card .msi-hub-card-media { position: relative; aspect-ratio: 16 / 10; }
.msi-tc-card-badge { position: absolute; inset-block-start: 10px; inset-inline-end: 10px; font-size: 11.5px; font-weight: 700; color: var(--ms-navy); background: rgba(255,255,255,.92); border-radius: 8px; padding: 3px 9px; box-shadow: 0 1px 4px rgba(11,31,58,.12); }
.msi-tc-card .msi-hub-card-top { display: none; }
.msi-tc-card .msi-hub-card-foot { border-top: 1px solid var(--ms-border); padding-top: 12px; }
.msi-tc-card-cta { display: inline-flex; align-items: center; gap: 6px; height: 32px; padding-inline: 12px; border-radius: 10px; background: var(--ms-bg); color: var(--ms-navy); font-weight: 800; font-size: 13px; transition: background .15s, color .15s; }
.msi-tc-card:hover .msi-tc-card-cta { background: var(--ms-navy); color: #fff; }
.msi-tc-card-cta span { display: inline-block; transition: transform .2s; }
.msi-tc-card:hover .msi-tc-card-cta span { transform: translateX(-3px); }

/* вид «список» */
.msi-tc-grid.is-list { grid-template-columns: 1fr; gap: 12px; }
.msi-tc-grid.is-list .msi-tc-card { display: grid; grid-template-columns: 210px 1fr; grid-template-areas: 'media body'; gap: 18px; align-items: center; }
.msi-tc-grid.is-list .msi-tc-card .msi-hub-card-media { grid-area: media; margin-bottom: 0; aspect-ratio: 16 / 9; }
.msi-tc-grid.is-list .msi-tc-card .msi-hub-card-title,
.msi-tc-grid.is-list .msi-tc-card .msi-hub-card-text,
.msi-tc-grid.is-list .msi-tc-card .msi-hub-card-foot { grid-column: 2; }
.msi-tc-grid.is-list .msi-tc-card .msi-hub-card-text { -webkit-line-clamp: 2; }

/* пусто */
.msi-tc-empty { text-align: center; background: var(--ms-surface); border: 1px solid var(--ms-border); border-radius: var(--ms-radius); padding: 40px 24px; margin-top: 24px; }
.msi-tc-empty-ico { width: 62px; height: 62px; border-radius: 50%; display: inline-grid; place-items: center; background: var(--ms-bg); color: var(--ms-navy); margin-bottom: 14px; }
.msi-tc-empty-ico .msi-hub-ico { width: 30px; height: 30px; }
.msi-tc-empty h3 { font-size: 20px; font-weight: 800; color: var(--ms-navy); margin: 0 0 6px; }
.msi-tc-empty p { margin: 0 auto 18px; max-width: 460px; font-size: 15px; line-height: 1.6; color: var(--ms-muted); }
.msi-tc-empty-actions { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; }

/* ---------- «שבדרך» и обращение ---------- */
.msi-tc-soon { background: var(--ms-surface); border-block: 1px solid var(--ms-border); padding-block: 40px; }
.msi-tc-soon-grid { display: grid; grid-template-columns: 5fr 7fr; gap: 20px; align-items: stretch; }
.msi-tc-soon-list-box { background: var(--ms-bg); border: 1px solid var(--ms-border); border-radius: 18px; padding: 24px; }
.msi-tc-soon-badge { display: inline-flex; align-items: center; gap: 7px; background: var(--tc-gold-soft); border: 1px solid var(--tc-gold-line); color: var(--tc-gold-text); border-radius: 999px; padding: 4px 12px; font-size: 12.5px; font-weight: 800; margin-bottom: 12px; }
.msi-tc-soon-badge .msi-hub-ico { width: 15px; height: 15px; }
.msi-tc-soon-list-box h2 { font-size: 22px; font-weight: 900; color: var(--ms-navy); margin: 0 0 6px; }
.msi-tc-soon-lead { margin: 0 0 16px; font-size: 14.5px; line-height: 1.6; color: var(--ms-muted); }
.msi-tc-soon-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; }
.msi-tc-soon-list li { display: flex; gap: 12px; align-items: flex-start; background: var(--ms-surface); border: 1px solid var(--ms-border); border-radius: 12px; padding: 12px 14px; }
.msi-tc-soon-ico { flex: 0 0 auto; width: 32px; height: 32px; border-radius: 9px; display: grid; place-items: center; background: var(--tc-blue-soft); color: var(--ms-navy-2); }
.msi-tc-soon-ico .msi-hub-ico { width: 17px; height: 17px; }
.msi-tc-soon-list strong { display: block; font-size: 15px; font-weight: 800; color: var(--ms-navy); margin-bottom: 2px; }
.msi-tc-soon-desc { font-size: 13.5px; line-height: 1.55; color: var(--ms-muted); }

.msi-tc-ask { background: linear-gradient(135deg, var(--ms-navy) 0%, var(--ms-navy-2) 100%); color: #fff; border-radius: 18px; padding: 26px 28px; display: flex; flex-direction: column; }
.msi-tc-ask-tag { align-self: flex-start; background: rgba(255,255,255,.12); border-radius: 999px; padding: 4px 12px; font-size: 12.5px; font-weight: 800; margin-bottom: 12px; }
.msi-tc .msi-tc-ask h2 { font-size: 24px; font-weight: 900; color: #fff; margin: 0 0 8px; }
.msi-tc-ask p { margin: 0 0 16px; font-size: 15px; line-height: 1.65; color: rgba(255,255,255,.8); max-width: 560px; }
.msi-tc-ask-list { list-style: none; margin: 0 0 20px; padding: 0; display: flex; flex-wrap: wrap; gap: 8px 20px; }
.msi-tc-ask-list li { display: inline-flex; align-items: center; gap: 7px; font-size: 13.5px; color: rgba(255,255,255,.86); }
.msi-tc-ask-list .msi-hub-ico { width: 16px; height: 16px; color: var(--ms-amber); }
.msi-tc-ask .msi-tc-btn { align-self: flex-start; margin-top: auto; }

/* ---------- «איך אנחנו מחשבים» и FAQ ---------- */
.msi-tc-how { margin-top: 0; padding-block: 44px 40px; }
.msi-tc-how .msi-wrap { max-width: 1140px; }
.msi-tc-how-head { text-align: center; max-width: 720px; margin: 0 auto 26px; }
.msi-tc-how-head h2 { font-size: 27px; font-weight: 900; color: var(--ms-navy); margin: 0 0 8px; border: 0; padding: 0; display: block; }
.msi-tc-how-head p { font-size: 16px; line-height: 1.7; color: var(--ms-muted); margin: 0; }
.msi-tc-how-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; margin-bottom: 36px; }
.msi-tc-how-card { background: var(--ms-surface); border: 1px solid var(--ms-border); border-radius: var(--ms-radius); padding: 22px; text-align: center; }
.msi-tc-how-ico { width: 48px; height: 48px; border-radius: 13px; display: inline-grid; place-items: center; background: var(--tc-blue-soft); color: var(--ms-navy-2); margin-bottom: 12px; }
.msi-tc-how-ico .msi-hub-ico { width: 24px; height: 24px; }
.msi-tc-how-card:nth-child(2) .msi-tc-how-ico { background: #E3F6EE; color: #0B7A55; }
.msi-tc-how-card:nth-child(3) .msi-tc-how-ico { background: #ECEBFF; color: #4338CA; }
.msi-tc-how-card h3 { font-size: 17px; font-weight: 800; color: var(--ms-navy); margin: 0 0 8px; }
.msi-tc-how-card p { margin: 0; font-size: 14.5px; line-height: 1.65; color: var(--ms-muted); }
.msi-tc-faq-wrap { max-width: 820px; margin: 0 auto; }
.msi-tc-faq-wrap h2 { font-size: 24px; font-weight: 900; color: var(--ms-navy); margin: 0 0 14px; border: 0; padding: 0; display: block; text-align: center; }

/* ---------- планшет и телефон ---------- */
@media (max-width: 1100px) {
  .msi-tc-featured-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .msi-tc-soon-grid { grid-template-columns: 1fr; }
}
@media (max-width: 991px) {
  .msi-tc-metrics { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .msi-tc-hero .msi-hub-title { font-size: 33px; }
  .msi-tc-how-grid { grid-template-columns: 1fr; }
  .msi-tc-grid.is-list .msi-tc-card { grid-template-columns: 160px 1fr; }
}
@media (max-width: 640px) {
  .msi-tc-hero { padding-block: 16px 22px; }
  .msi-tc-hero .msi-hub-title { font-size: 28px; }
  .msi-tc-hero-actions { width: 100%; }
  .msi-tc-hero-actions .msi-tc-btn { flex: 1 1 auto; padding-inline: 12px; font-size: 14px; }
  /* Две колонки, как в макете: четыре метрики в столбик съедали экран целиком. */
  .msi-tc-metrics { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; }
  .msi-tc-metrics li { padding: 10px 12px; gap: 8px; }
  .msi-tc-metric-ico { width: 34px; height: 34px; border-radius: 10px; }
  .msi-tc-metric-ico .msi-hub-ico { width: 18px; height: 18px; }
  .msi-tc-metric-body strong { font-size: 17px; }
  .msi-tc-metric-body > span { font-size: 12px; }
  /* Панель на телефоне не липкая: поиск, сортировка и чипы занимают треть экрана,
     и в липком виде каталог оставался бы в щели под ними. */
  .msi-tc-bar { position: static; }
  .msi-tc-featured-grid { grid-template-columns: 1fr; }
  .msi-tc-sec-head h2, .msi-tc-catalog-head h2 { font-size: 21px; }
  .msi-tc-bar-row { gap: 8px; }
  .msi-tc-bar .msi-hub-search { min-width: 100%; }
  .msi-tc-bar-controls { width: 100%; justify-content: space-between; }
  .msi-tc-select select { width: 100%; }
  .msi-tc-select { flex: 1; }
  .msi-tc-guide-box { flex-direction: column; gap: 10px; }
  .msi-tc-group-head { flex-wrap: wrap; gap: 10px; }
  .msi-tc-group-n { order: 3; }
  .msi-tc-grid.is-list .msi-tc-card { grid-template-columns: 1fr; }
  .msi-tc-grid.is-list .msi-tc-card .msi-hub-card-title,
  .msi-tc-grid.is-list .msi-tc-card .msi-hub-card-text,
  .msi-tc-grid.is-list .msi-tc-card .msi-hub-card-foot { grid-column: 1; }
  .msi-tc-soon-list-box, .msi-tc-ask { padding: 20px; }
  .msi-tc .msi-tc-ask h2 { font-size: 21px; }
  .msi-tc-ask .msi-tc-btn { width: 100%; }
  .msi-tc-how-head h2 { font-size: 23px; }
}
@media (prefers-reduced-motion: reduce) {
  .msi-tc-fcard, .msi-tc-card-cta, .msi-tc-chip { transition: none; }
  .msi-tc-fcard:hover { transform: none; }
}