:root {
  --bg: #FAFAFB;
  --bg-soft: #F3F4F8;
  --surface: #ffffff;
  --ink: #0B1220;
  --text: #0E1524;
  --muted: #5B6576;
  --accent: #00B386;
  --accent-2: #6B4CF0;
  --accent-3: #FF6B8A;
  --line: rgba(14, 21, 36, 0.08);
  --line-strong: rgba(14, 21, 36, 0.14);
  --shadow-card: 0 18px 40px rgba(14, 21, 36, 0.08);
  --shadow-btn: 0 10px 30px rgba(14, 21, 36, 0.18);
  --radius: 16px;
  --radius-lg: 24px;
  --cont: 1200px;
  --pad: 28px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--text);
  background: var(--bg);
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Helvetica Neue", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.55;
  min-height: 100svh;
  -webkit-font-smoothing: antialiased;
}

a {
  color: inherit;
}

main {
  display: block;
}

.cont {
  max-width: var(--cont);
  margin: 0 auto;
  padding: 0 var(--pad);
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ===================== Header ===================== */

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  background: rgba(250, 250, 251, 0.78);
  border-bottom: 1px solid var(--line);
}

.site-header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 14px 0;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  text-decoration: none;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.16em;
}

.brand-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent), var(--accent-2));
  box-shadow: 0 0 10px rgba(0, 179, 134, 0.5);
}

.site-nav {
  display: flex;
  gap: 24px;
  font-size: 14px;
  color: var(--muted);
}

.site-nav a {
  text-decoration: none;
  transition: color 0.15s;
}

.site-nav a:hover {
  color: var(--ink);
}

.site-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

.language-switch {
  font: inherit;
  font-size: 12px;
  padding: 6px 12px;
  border: 1px solid var(--line-strong);
  border-radius: 999px;
  background: transparent;
  color: var(--muted);
  cursor: pointer;
  transition: color 0.15s, border-color 0.15s;
}

.language-switch:hover {
  color: var(--ink);
  border-color: rgba(14, 21, 36, 0.25);
}

.contact-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 600;
  padding: 8px 14px;
  border-radius: 999px;
  background: var(--ink);
  color: #fff;
  text-decoration: none;
  transition: transform 0.15s, box-shadow 0.15s;
}

.contact-link:hover {
  transform: translateY(-1px);
  box-shadow: var(--shadow-btn);
}

.nav-toggle {
  display: none;
  width: 38px;
  height: 38px;
  padding: 10px 9px;
  background: transparent;
  border: 1px solid var(--line-strong);
  border-radius: 10px;
  cursor: pointer;
  flex-direction: column;
  justify-content: space-between;
}

.nav-toggle span {
  display: block;
  height: 2px;
  background: var(--ink);
  border-radius: 1px;
  transition: transform 0.2s;
}

/* ===================== Hero ===================== */

.hero {
  position: relative;
  overflow: hidden;
  padding: 96px 0 120px;
}

.hero::before {
  content: "";
  position: absolute;
  inset: -30% -10% auto auto;
  width: 80%;
  height: 110%;
  background:
    radial-gradient(600px 420px at 25% 40%, rgba(107, 76, 240, 0.22), transparent 60%),
    radial-gradient(620px 400px at 80% 80%, rgba(0, 179, 134, 0.22), transparent 60%),
    radial-gradient(500px 320px at 60% 110%, rgba(255, 107, 138, 0.16), transparent 60%);
  filter: blur(40px);
  z-index: 0;
}

.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(14, 21, 36, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(14, 21, 36, 0.04) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(ellipse at center, black 30%, transparent 75%);
  -webkit-mask-image: radial-gradient(ellipse at center, black 30%, transparent 75%);
  z-index: 0;
}

.hero-copy {
  position: relative;
  z-index: 2;
  max-width: 880px;
  animation: hero-fade 500ms ease-out both;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  padding: 6px 12px;
  border: 1px solid var(--line-strong);
  border-radius: 999px;
  color: var(--muted);
  margin: 0 0 24px;
  background: var(--surface);
}

.eyebrow-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent);
  box-shadow: 0 0 8px var(--accent);
  animation: dot-pulse 2s ease-in-out infinite;
}

.hero h1 {
  margin: 0;
  font-size: clamp(40px, 6vw, 72px);
  line-height: 1.02;
  letter-spacing: -0.03em;
  font-weight: 700;
  color: var(--ink);
}

.hero h1 .grad {
  background: linear-gradient(90deg, #0E1524 0%, #6B4CF0 50%, #00B386 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.hero h1 em {
  font-style: normal;
  color: var(--accent-2);
}

.intro {
  max-width: 620px;
  margin: 28px 0 0;
  color: var(--muted);
  font-size: 18px;
  line-height: 1.55;
}

.hero-ctas {
  display: flex;
  gap: 12px;
  margin-top: 40px;
  flex-wrap: wrap;
}

.cta-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 22px;
  border-radius: 999px;
  background: var(--ink);
  color: #fff;
  text-decoration: none;
  font-weight: 600;
  font-size: 15px;
  box-shadow: var(--shadow-btn);
  transition: transform 0.15s, box-shadow 0.15s;
}

.cta-primary:hover {
  transform: translateY(-1px);
}

.cta-ghost {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 22px;
  border-radius: 999px;
  border: 1px solid var(--line-strong);
  color: var(--ink);
  text-decoration: none;
  font-weight: 500;
  font-size: 15px;
  background: var(--surface);
  transition: border-color 0.15s, transform 0.15s;
}

.cta-ghost:hover {
  border-color: rgba(14, 21, 36, 0.25);
  transform: translateY(-1px);
}

.hero-meta {
  display: flex;
  gap: 28px;
  margin-top: 56px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
  flex-wrap: wrap;
}

.hero-meta div {
  font-size: 13px;
  color: var(--muted);
}

.hero-meta strong {
  display: block;
  color: var(--ink);
  font-size: 15px;
  margin-bottom: 4px;
  font-weight: 600;
}

/* ===================== Section shared ===================== */

.section {
  padding: 96px 0;
}

.section + .section {
  border-top: 1px solid var(--line);
}

.section-soft {
  background: var(--bg-soft);
  border-top: 1px solid var(--line);
}

.section-soft + .section {
  border-top: 1px solid var(--line);
}

.kicker {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--accent-2);
  margin: 0 0 12px;
  font-weight: 700;
}

.section h2 {
  font-size: clamp(28px, 4vw, 44px);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin: 0 0 18px;
  font-weight: 700;
  max-width: 720px;
  color: var(--ink);
}

.lead {
  color: var(--muted);
  font-size: 17px;
  max-width: 620px;
  margin: 0 0 48px;
}

/* ===================== Services ===================== */

.services-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 20px;
}

.service-card {
  display: flex;
  flex-direction: column;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--surface);
  transition: border-color 0.2s, transform 0.2s, box-shadow 0.2s;
}

.service-card:hover {
  border-color: rgba(107, 76, 240, 0.35);
  transform: translateY(-3px);
  box-shadow: var(--shadow-card);
}

.service-card.featured {
  background:
    radial-gradient(400px 240px at 80% 0%, rgba(107, 76, 240, 0.14), transparent 60%),
    linear-gradient(180deg, #fff, #F8F7FF);
  border-color: rgba(107, 76, 240, 0.25);
}

.service-badge {
  display: inline-block;
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--accent-2);
  background: rgba(107, 76, 240, 0.1);
  padding: 3px 10px;
  border-radius: 999px;
  margin-bottom: 14px;
  font-weight: 700;
  align-self: flex-start;
}

.service-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  margin-bottom: 22px;
  background: linear-gradient(135deg, var(--accent-2), var(--accent));
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #fff;
}

.service-card.featured .service-icon {
  background: linear-gradient(135deg, var(--accent-2), var(--accent-3));
}

.service-icon svg {
  width: 22px;
  height: 22px;
  stroke: currentColor;
  fill: none;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.service-card h3 {
  margin: 0 0 8px;
  font-size: 18px;
  color: var(--ink);
}

.service-card p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.55;
}

.service-tags {
  display: flex;
  gap: 6px;
  margin-top: 16px;
  flex-wrap: wrap;
}

.service-tag {
  font-size: 11px;
  padding: 4px 10px;
  border: 1px solid var(--line-strong);
  border-radius: 999px;
  color: var(--muted);
  background: var(--bg-soft);
}

/* ===================== Delivery ===================== */

.delivery-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.phone-stage {
  position: relative;
  display: flex;
  justify-content: center;
  padding: 20px 0;
}

.phone-stage::before {
  content: "";
  position: absolute;
  inset: -40px;
  background:
    radial-gradient(380px 300px at 30% 30%, rgba(107, 76, 240, 0.22), transparent 65%),
    radial-gradient(380px 300px at 70% 80%, rgba(0, 179, 134, 0.22), transparent 65%);
  filter: blur(30px);
  z-index: 0;
}

.phone {
  position: relative;
  z-index: 1;
  width: 270px;
  height: 560px;
  background: #0B1220;
  border-radius: 44px;
  padding: 8px;
  box-shadow: 0 40px 80px rgba(14, 21, 36, 0.25), 0 0 0 1px rgba(14, 21, 36, 0.12);
}

.phone-notch {
  position: absolute;
  top: 18px;
  left: 50%;
  transform: translateX(-50%);
  width: 110px;
  height: 28px;
  background: #0B1220;
  border-radius: 18px;
  z-index: 3;
}

.phone-screen {
  width: 100%;
  height: 100%;
  border-radius: 36px;
  overflow: hidden;
  background: linear-gradient(180deg, #F7F9FC 0%, #EDF2FA 100%);
  color: #0B1220;
  font-size: 11px;
  line-height: 1.3;
  display: flex;
  flex-direction: column;
  position: relative;
}

.phone-status {
  display: flex;
  justify-content: space-between;
  padding: 14px 22px 0;
  font-size: 10px;
  font-weight: 600;
  color: #0B1220;
}

.phone-body {
  padding: 30px 20px 20px;
  flex: 1;
  overflow: hidden;
}

.phone-greet {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 18px;
}

.phone-greet .hi {
  font-size: 10px;
  color: var(--muted);
}

.phone-greet .name {
  font-size: 14px;
  font-weight: 700;
  color: var(--ink);
}

.phone-avatar {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent), var(--accent-2));
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 11px;
  font-weight: 700;
}

.phone-card {
  border-radius: 16px;
  padding: 16px 18px;
  background: linear-gradient(135deg, #1D1B45 0%, #6B4CF0 55%, #00B386 130%);
  color: #fff;
  margin-bottom: 16px;
  position: relative;
  overflow: hidden;
  box-shadow: 0 10px 24px rgba(107, 76, 240, 0.32);
}

.phone-card::after {
  content: "";
  position: absolute;
  right: -30px;
  top: -30px;
  width: 100px;
  height: 100px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.2), transparent 70%);
}

.phone-card .label {
  font-size: 9px;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  opacity: 0.8;
}

.phone-card .amt {
  font-size: 22px;
  font-weight: 700;
  margin-top: 4px;
  letter-spacing: -0.01em;
}

.phone-card .chg {
  font-size: 10px;
  margin-top: 4px;
  color: #9FFFD8;
}

.phone-card .cardnum {
  font-size: 10px;
  letter-spacing: 0.2em;
  margin-top: 14px;
  opacity: 0.75;
}

.phone-actions {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 6px;
  margin-bottom: 18px;
}

.phone-action {
  background: #fff;
  border-radius: 12px;
  padding: 10px 4px;
  text-align: center;
  border: 1px solid rgba(14, 21, 36, 0.06);
}

.phone-action-ico {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent-2), var(--accent));
  margin: 0 auto 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 10px;
}

.phone-action-label {
  font-size: 8.5px;
  font-weight: 600;
  color: var(--ink);
}

.phone-list-title {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}

.phone-list-title .t {
  font-size: 11px;
  font-weight: 700;
  color: var(--ink);
}

.phone-list-title .a {
  font-size: 9px;
  color: var(--accent-2);
}

.phone-tx {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 6px 0;
  border-bottom: 1px solid rgba(14, 21, 36, 0.06);
}

.phone-tx:last-child {
  border-bottom: 0;
}

.phone-tx-l {
  display: flex;
  gap: 8px;
  align-items: center;
}

.phone-tx-ico {
  width: 24px;
  height: 24px;
  border-radius: 8px;
  background: #EDF2FA;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  color: var(--accent-2);
}

.phone-tx-name {
  font-size: 10px;
  font-weight: 600;
  color: var(--ink);
}

.phone-tx-sub {
  font-size: 8.5px;
  color: #7A8394;
  margin-top: 1px;
}

.phone-tx-amt {
  font-size: 10px;
  font-weight: 700;
  color: var(--ink);
}

.phone-tx-amt.plus {
  color: var(--accent);
}

.phone-home {
  position: absolute;
  bottom: 8px;
  left: 50%;
  transform: translateX(-50%);
  width: 100px;
  height: 4px;
  border-radius: 2px;
  background: rgba(14, 21, 36, 0.25);
}

.phone-chip {
  position: absolute;
  padding: 8px 12px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 600;
  background: #fff;
  border: 1px solid var(--line-strong);
  color: var(--ink);
  box-shadow: 0 12px 24px rgba(14, 21, 36, 0.08);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  z-index: 2;
  white-space: nowrap;
}

.phone-chip .dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent);
}

.phone-chip:nth-child(1) { top: 6%; left: -4%; }
.phone-chip:nth-child(2) { top: 0%; right: 4%; }
.phone-chip:nth-child(2) .dot { background: var(--accent-2); }
.phone-chip:nth-child(3) { bottom: 16%; left: -8%; }
.phone-chip:nth-child(3) .dot { background: var(--accent-3); }
.phone-chip:nth-child(4) { bottom: 4%; right: -2%; }

/* ===================== Trust ===================== */

.trust-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 40px;
}

.trust-card {
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--surface);
}

.trust-label {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--accent-2);
  margin-bottom: 10px;
  font-weight: 700;
}

.trust-value {
  color: var(--ink);
  font-size: 16px;
  line-height: 1.5;
  margin: 0;
}

/* ===================== Contact ===================== */

.contact-panel {
  padding: 80px 0;
  text-align: center;
  background:
    radial-gradient(500px 320px at 50% 120%, rgba(107, 76, 240, 0.14), transparent 60%),
    linear-gradient(180deg, var(--bg), var(--bg-soft));
  border-top: 1px solid var(--line);
}

.contact-panel h2 {
  margin: 0 auto 18px;
}

.contact-panel .lead {
  margin: 0 auto 0;
}

.contact-panel .cta-primary {
  margin-top: 28px;
}

/* ===================== Footer ===================== */

.site-footer {
  padding: 40px 0;
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 13px;
  background: var(--surface);
}

.site-footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 28px;
}

.footer-copy p {
  margin: 4px 0;
  max-width: 44rem;
}

.footer-links {
  display: flex;
  gap: 22px;
  flex-wrap: wrap;
  align-self: start;
}

.footer-links a {
  color: var(--muted);
  text-decoration: none;
}

.footer-links a:hover {
  color: var(--ink);
}

/* ===================== Legal & Info pages ===================== */

.legal-page,
.info-page {
  padding: 72px 0 96px;
}

.legal-hero {
  max-width: 54rem;
  margin: 0 auto 2rem;
  padding: 0 var(--pad);
}

.legal-hero h1 {
  margin: 0;
  font-size: clamp(2.2rem, 5vw, 3.4rem);
  line-height: 1.05;
  color: var(--ink);
}

.legal-hero p {
  max-width: 40rem;
  margin: 1rem 0 0;
  line-height: 1.6;
  color: var(--muted);
}

.legal-content {
  max-width: 54rem;
  margin: 0 auto;
  padding: 0 var(--pad);
}

.legal-content section {
  padding: 1.25rem 0;
  border-top: 1px solid var(--line);
}

.legal-content h2 {
  margin: 0 0 0.75rem;
  font-size: clamp(1.25rem, 2.5vw, 1.6rem);
  color: var(--ink);
}

.legal-content p,
.legal-content li {
  line-height: 1.7;
  color: var(--text);
}

.legal-content ol,
.legal-content ul {
  margin: 0.75rem 0 0;
  padding-left: 1.4rem;
}

.legal-content li + li,
.legal-content p + p {
  margin-top: 0.6rem;
}

.loan-services section {
  padding: 1.5rem 0;
}

.loan-list {
  display: grid;
  gap: 0.75rem;
  padding-left: 0;
  list-style: none;
}

.loan-list li {
  padding: 0.9rem 1rem;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--surface);
  overflow-wrap: anywhere;
}

.loan-example li {
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.92), rgba(243, 244, 248, 0.76)),
    radial-gradient(320px 140px at 100% 0%, rgba(0, 179, 134, 0.12), transparent 70%);
}

/* ===================== Animations ===================== */

@keyframes hero-fade {
  from {
    opacity: 0;
    transform: translateY(18px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes dot-pulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.15); opacity: 0.85; }
}

/* ===================== Responsive ===================== */

@media (max-width: 960px) {
  .hero {
    padding: 72px 0 88px;
  }

  .services-grid,
  .delivery-split,
  .trust-grid,
  .site-footer-inner {
    grid-template-columns: 1fr;
  }

  .delivery-split {
    gap: 40px;
  }
}

@media (max-width: 720px) {
  :root {
    --pad: 18px;
  }

  .site-nav {
    display: none;
  }

  .contact-link {
    display: none;
  }

  .nav-toggle {
    display: flex;
  }

  .site-nav.is-open,
  .site-actions-mobile.is-open {
    display: flex;
  }

  .mobile-menu {
    display: none;
    flex-direction: column;
    gap: 0;
    padding: 16px 0 20px;
    border-top: 1px solid var(--line);
    background: rgba(250, 250, 251, 0.95);
  }

  .mobile-menu.is-open {
    display: flex;
  }

  .mobile-menu a {
    padding: 12px 0;
    text-decoration: none;
    color: var(--text);
    font-size: 16px;
    border-bottom: 1px solid var(--line);
  }

  .mobile-menu a:last-child {
    border-bottom: 0;
  }

  .mobile-menu .mobile-actions {
    display: flex;
    gap: 10px;
    align-items: center;
    margin-top: 16px;
    padding-top: 16px;
    border-top: 1px solid var(--line);
  }

  .mobile-menu .mobile-actions .cta-primary {
    padding: 10px 16px;
    font-size: 14px;
  }

  .hero {
    padding: 56px 0 72px;
  }

  .section {
    padding: 64px 0;
  }

  .hero h1 {
    font-size: clamp(32px, 9vw, 48px);
  }

  .intro {
    font-size: 16px;
  }

  .hero-meta {
    gap: 18px;
    margin-top: 40px;
  }

  .contact-panel {
    padding: 64px 0;
  }
}

@media (max-width: 540px) {
  .hero-ctas {
    flex-direction: column;
    align-items: stretch;
  }

  .cta-primary,
  .cta-ghost {
    justify-content: center;
  }

  .phone-chip:nth-child(1),
  .phone-chip:nth-child(3) {
    left: 2%;
  }

  .phone-chip:nth-child(2),
  .phone-chip:nth-child(4) {
    right: 2%;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation: none !important;
    transition: none !important;
    scroll-behavior: auto !important;
  }
}