:root {
  --navy: #26323f;
  --navy2: #111827;
  --gold: #43a79c;
  --gold2: #5ec2b8;
  --gold3: rgba(67,167,156,.13);
  --cream: #eaf8f5;
  --white: #fff;
  --gray: #64748b;
  --light: #f1f5f9;
  --border: #d7e7e4;
  --text: #26323f;
  --success: #16a34a;
  --radius: 14px;
  --shadow: 0 4px 28px rgba(38,50,63,.10);
  --shadow-lg: 0 12px 48px rgba(38,50,63,.14);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; overflow-x: hidden; }
body { font-family: "Outfit", Arial, sans-serif; color: var(--text); background: var(--white); overflow-x: hidden; }
img { max-width: 100%; display: block; }
a { text-decoration: none; }
button { font-family: inherit; cursor: pointer; }

.container, .topbar-inner, nav { max-width: 1260px; margin: 0 auto; padding: 0 32px; }

#topbar { background: var(--navy); padding: 8px 0; border-bottom: 1px solid rgba(67,167,156,.18); }
.topbar-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.topbar-left { display: flex; align-items: center; gap: 24px; }
.topbar-left a, .topbar-note { color: rgba(255,255,255,.68); font-size: 13px; display: inline-flex; align-items: center; gap: 7px; }
.topbar-left i, .topbar-note i { color: var(--gold); font-size: 12px; }

header { position: sticky; top: 0; z-index: 200; background: rgba(255,255,255,.97); backdrop-filter: blur(12px); border-bottom: 1px solid var(--border); box-shadow: 0 2px 20px rgba(38,50,63,.06); }
nav { height: 72px; display: flex; align-items: center; justify-content: space-between; }
.logo { display: flex; align-items: center; gap: 13px; color: inherit; }
.logo-mark { width: 46px; height: 46px; background: url("assets/financil-holding-logo-mark.webp") center/cover no-repeat; border-radius: 12px; display: grid; place-items: center; position: relative; overflow: hidden; box-shadow: inset 0 0 0 1px rgba(255,255,255,.08); }
.logo-mark::before, .logo-mark::after { content: none; }
.logo-mark i { display: none; }
.logo-words strong { display: block; font-family: "Cormorant Garamond", serif; font-size: 22px; line-height: 1; color: var(--navy); }
.logo-words small { display: block; margin-top: 4px; color: var(--gold); font-size: 10px; font-weight: 600; letter-spacing: 2.3px; text-transform: uppercase; }
.nav-menu { display: flex; align-items: center; gap: 4px; list-style: none; }
.nav-menu a { display: block; color: var(--text); font-size: 14px; font-weight: 500; padding: 8px 14px; border-radius: 8px; transition: all .2s; }
.nav-menu a:hover, .nav-menu a.active { color: var(--gold); background: var(--gold3); }
.btn-nav { background: var(--navy) !important; color: var(--white) !important; padding: 10px 22px !important; border-radius: 10px !important; font-weight: 700 !important; box-shadow: 0 3px 12px rgba(38,50,63,.2); }
.btn-nav:hover { background: var(--gold) !important; color: var(--navy) !important; transform: translateY(-1px); }
.nav-hamburger { display: none; flex-direction: column; justify-content: space-between; width: 30px; height: 20px; background: none; border: 0; z-index: 300; }
.nav-hamburger span { display: block; height: 2px; width: 100%; background: var(--navy); border-radius: 2px; transition: all .3s; }
.nav-hamburger.open span:nth-child(1) { transform: translateY(9px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-9px) rotate(-45deg); }
.nav-overlay { display: none; position: fixed; inset: 0; background: rgba(38,50,63,.45); z-index: 199; backdrop-filter: blur(2px); }
.nav-overlay.open { display: block; }

.btn-primary, .btn-outline, .btn-dark { display: inline-flex; align-items: center; justify-content: center; gap: 9px; border-radius: 10px; font-size: 15px; font-weight: 700; transition: all .22s; }
.btn-primary { background: var(--gold); color: var(--white); padding: 14px 30px; box-shadow: 0 4px 16px rgba(67,167,156,.28); }
.btn-primary:hover { background: var(--navy2); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(38,50,63,.24); }
.btn-outline { color: var(--white); border: 1px solid rgba(255,255,255,.25); padding: 13px 26px; background: rgba(255,255,255,.08); }
.btn-outline:hover { border-color: var(--gold); color: var(--gold2); }
.btn-dark { background: var(--navy); color: var(--white); padding: 13px 24px; }
.btn-full { width: 100%; }

.lead-modal { position: fixed; inset: 0; z-index: 1000; display: none; align-items: center; justify-content: center; padding: 22px; }
.lead-modal.open { display: flex; }
.lead-modal-backdrop { position: absolute; inset: 0; background: rgba(17,24,39,.62); backdrop-filter: blur(4px); }
.lead-modal-panel { position: relative; width: min(100%, 520px); max-height: calc(100vh - 44px); overflow-y: auto; background: #fff; border: 1px solid var(--border); border-radius: 18px; box-shadow: 0 24px 70px rgba(17,24,39,.26); padding: 34px; }
.lead-modal-close { position: absolute; top: 16px; right: 16px; width: 38px; height: 38px; display: grid; place-items: center; border: 1px solid var(--border); border-radius: 10px; background: #fff; color: var(--navy); font-size: 17px; }
.lead-modal-close:hover { color: #fff; background: var(--navy); border-color: var(--navy); }
.lead-modal-panel h2 { max-width: 410px; color: var(--navy); font-family: "Cormorant Garamond", serif; font-size: 38px; line-height: 1.08; margin-bottom: 10px; }
.lead-modal-panel p { color: var(--gray); line-height: 1.65; margin-bottom: 24px; }
.lead-modal-form .form-group:last-of-type { margin-bottom: 22px; }

.section-tag { display: inline-flex; align-items: center; gap: 8px; color: var(--gold); font-size: 11px; font-weight: 700; letter-spacing: 3px; text-transform: uppercase; margin-bottom: 14px; }
.section-tag::before { content: ""; width: 22px; height: 2px; border-radius: 1px; background: var(--gold); }
.section-h { font-family: "Cormorant Garamond", serif; font-size: clamp(30px,4vw,48px); font-weight: 700; color: var(--navy); line-height: 1.13; margin-bottom: 16px; }
.section-h em { color: var(--gold); font-style: italic; }
.section-p { color: var(--gray); font-size: 16.5px; line-height: 1.75; max-width: 620px; }
.text-center { text-align: center; }
.text-center .section-tag { justify-content: center; }
.text-center .section-p { margin: 0 auto; }

#hero { position: relative; min-height: 680px; padding: 86px 0; overflow: hidden; background: radial-gradient(ellipse at 12% 18%, rgba(67,167,156,.16), transparent 42%), radial-gradient(ellipse at 88% 28%, rgba(94,194,184,.16), transparent 48%), linear-gradient(135deg, #e7f6f3 0%, #eef9f6 54%, #ffffff 100%); }
#hero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(ellipse at 15% 20%, rgba(67,167,156,.12), transparent 45%); }
.hero-grid-bg { position: absolute; inset: 0; opacity: .35; background-image: linear-gradient(rgba(38,50,63,.08) 1px, transparent 1px), linear-gradient(90deg, rgba(38,50,63,.08) 1px, transparent 1px); background-size: 60px 60px; }
.hero-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1.05fr .85fr; gap: 58px; align-items: center; }
.hero-badge { display: inline-flex; align-items: center; gap: 8px; color: #347f78; background: rgba(67,167,156,.10); border: 1px solid rgba(67,167,156,.22); font-size: 12px; font-weight: 700; letter-spacing: 1.3px; text-transform: uppercase; padding: 8px 16px; border-radius: 30px; margin-bottom: 26px; }
.hero-h { font-family: "Cormorant Garamond", serif; font-size: clamp(46px,7vw,78px); color: var(--navy); line-height: .98; font-weight: 700; margin-bottom: 24px; }
.hero-h em { color: var(--gold); font-style: italic; }
.hero-p { color: #5b6875; font-size: 18px; line-height: 1.7; max-width: 590px; margin-bottom: 32px; }
.hero-btns { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-stats { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; margin-top: 42px; max-width: 610px; }
.stat { border-left: 1px solid rgba(67,167,156,.28); padding-left: 18px; }
.stat strong { display: block; color: var(--navy); font-size: 30px; line-height: 1; }
.stat span { display: block; margin-top: 5px; color: #71808d; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; }

.calc-card { background: rgba(255,255,255,.88); border: 1px solid rgba(67,167,156,.16); border-radius: 22px; padding: 32px; box-shadow: 0 24px 70px rgba(38,50,63,.12); backdrop-filter: blur(18px); }
.calc-card h3 { display: flex; align-items: center; gap: 10px; color: var(--navy); font-family: "Cormorant Garamond", serif; font-size: 28px; margin-bottom: 22px; }
.calc-card h3 i { color: var(--gold); font-size: 20px; }
.c-label { display: block; margin: 18px 0 8px; color: #71808d; font-size: 11px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; }
.calc-card input[type=range] { width: 100%; accent-color: var(--gold); }
.amount-row { display: flex; justify-content: flex-end; color: var(--navy); font-size: 20px; font-weight: 700; margin-top: 6px; }
.c-select { width: 100%; padding: 13px 14px; border: 1px solid #d7e2df; border-radius: 10px; background: #fff; color: var(--navy); outline: none; }
.c-select option { color: #fff; background: var(--navy); }
.calc-result { margin: 24px 0; padding: 22px; border-radius: 14px; background: var(--navy); border: 1px solid transparent; }
.calc-result span { color: rgba(255,255,255,.55); font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 1.1px; }
.calc-result strong { display: block; color: var(--gold2); font-size: 42px; line-height: 1.1; margin: 5px 0; }
.calc-result small { color: rgba(255,255,255,.38); }

.trust-bar { background: var(--cream); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 18px 0; }
.trust-inner { max-width: 1260px; margin: 0 auto; padding: 0 32px; display: flex; align-items: center; justify-content: center; flex-wrap: wrap; gap: 36px; }
.trust-inner span { display: flex; align-items: center; gap: 9px; color: var(--gray); font-size: 13px; font-weight: 600; }
.trust-inner i { color: var(--gold); font-size: 16px; }

.loan-disclosure { padding: 42px 0; background: #fff; border-bottom: 1px solid var(--border); }
.disclosure-box { padding: 30px; background: var(--cream); border: 1px solid var(--border); border-radius: 18px; box-shadow: var(--shadow); }
.disclosure-head { display: grid; grid-template-columns: .95fr 1.05fr; gap: 34px; align-items: end; margin-bottom: 24px; }
.disclosure-head h2 { color: var(--navy); font-family: "Cormorant Garamond", serif; font-size: clamp(28px,3vw,40px); line-height: 1.12; }
.disclosure-head p { color: var(--gray); line-height: 1.7; }
.disclosure-subtitle { margin-top: 8px; color: var(--navy) !important; font-size: 14px; font-weight: 700; }
.disclosure-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; }
.disclosure-item { padding: 20px; background: #fff; border: 1px solid var(--border); border-radius: 14px; }
.disclosure-item span { display: block; color: var(--gold); font-size: 11px; font-weight: 800; letter-spacing: 1.4px; text-transform: uppercase; margin-bottom: 8px; }
.disclosure-item strong { display: block; color: var(--navy); font-size: 18px; line-height: 1.35; }
.disclosure-item small { display: block; margin-top: 8px; color: var(--gray); font-size: 13px; line-height: 1.55; }
.disclosure-note { margin-top: 16px; color: var(--gray); font-size: 14px; line-height: 1.65; }

#domains-home, .page-section { padding: 90px 0; }
.domain-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; margin-top: 50px; }
.domain-card { display: block; overflow: hidden; background: #fff; border: 1px solid var(--border); border-radius: 18px; box-shadow: var(--shadow); transition: all .3s; color: inherit; }
.domain-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: rgba(67,167,156,.46); }
.d-img-wrap { height: 190px; overflow: hidden; }
.d-img-wrap img { width: 100%; height: 100%; object-fit: cover; transition: transform .45s; }
.domain-card:hover img { transform: scale(1.06); }
.d-body { padding: 24px; }
.d-body span { display: inline-block; color: var(--gold); font-size: 10px; font-weight: 800; letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 8px; }
.d-body h3 { color: var(--navy); font-size: 19px; margin-bottom: 9px; }
.d-body p { color: var(--gray); font-size: 14.5px; line-height: 1.65; }

#why { padding: 96px 0; background: var(--cream); }
.why-layout { display: grid; grid-template-columns: .85fr 1.15fr; gap: 60px; align-items: center; }
.why-panel { display: grid; gap: 16px; padding: 34px; border-radius: 22px; background: linear-gradient(140deg, var(--navy), var(--navy2)); box-shadow: var(--shadow-lg); }
.why-stat { padding: 22px; border: 1px solid rgba(255,255,255,.1); border-radius: 14px; background: rgba(255,255,255,.06); }
.why-stat strong { color: var(--gold2); font-size: 40px; line-height: 1; }
.why-stat small { display: block; margin-top: 6px; color: rgba(255,255,255,.55); text-transform: uppercase; letter-spacing: 1px; }
.features { display: grid; gap: 18px; margin-top: 28px; }
.feature { display: flex; gap: 16px; align-items: flex-start; padding: 18px; background: #fff; border: 1px solid var(--border); border-radius: 14px; }
.feature i { width: 42px; height: 42px; display: grid; place-items: center; flex: 0 0 42px; border-radius: 10px; color: var(--gold); background: var(--navy); }
.feature h4 { color: var(--navy); font-size: 16px; margin-bottom: 4px; }
.feature p { color: var(--gray); font-size: 14.5px; line-height: 1.6; }

#cta-banner { padding: 82px 0; background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%); }
.cta-box { display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.cta-box h2 { color: #fff; font-family: "Cormorant Garamond", serif; font-size: clamp(32px,4vw,50px); }
.cta-box p { color: rgba(255,255,255,.62); margin-top: 8px; }

.page-hero { position: relative; padding: 76px 0 64px; overflow: hidden; background: radial-gradient(ellipse at 12% 18%, rgba(67,167,156,.14), transparent 42%), linear-gradient(135deg, #e7f6f3 0%, #ffffff 100%); color: var(--navy); }
.page-hero::before { content: ""; position: absolute; inset: 0; background: linear-gradient(rgba(38,50,63,.05) 1px, transparent 1px), linear-gradient(90deg, rgba(38,50,63,.05) 1px, transparent 1px); background-size: 60px 60px; }
.page-hero .container { position: relative; z-index: 1; }
.breadcrumb { display: flex; align-items: center; gap: 8px; margin-bottom: 18px; font-size: 13px; color: #71808d; }
.breadcrumb a { color: var(--gold); }
.page-hero h1 { font-family: "Cormorant Garamond", serif; font-size: clamp(38px,5vw,62px); line-height: 1.08; margin-bottom: 14px; }
.page-hero h1 em { color: var(--gold); font-style: italic; }
.page-hero p { color: #5b6875; max-width: 650px; font-size: 17px; line-height: 1.7; }
.contact-hero { padding: 34px 0 28px; }
.contact-hero h1 { font-size: clamp(34px,4vw,50px); }
.contact-section { padding: 34px 0 58px; }

.loan-section { padding: 86px 0; }
.loan-section:nth-child(even) { background: var(--cream); }
.loan-row { display: grid; grid-template-columns: .95fr 1.05fr; gap: 54px; align-items: center; }
.loan-section:nth-child(even) .loan-visual { order: 2; }
.loan-visual { height: 380px; overflow: hidden; border-radius: 20px; box-shadow: var(--shadow-lg); }
.loan-visual img { width: 100%; height: 100%; object-fit: cover; }
.loan-content h2 { font-family: "Cormorant Garamond", serif; color: var(--navy); font-size: clamp(30px,4vw,46px); margin-bottom: 12px; }
.loan-content h2 em { color: var(--gold); font-style: italic; }
.loan-content p { color: var(--gray); line-height: 1.75; margin-bottom: 22px; }
.spec-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin: 22px 0; }
.spec-item { padding: 16px; background: var(--light); border-radius: 12px; }
.spec-item span { display: block; color: var(--gray); font-size: 11px; font-weight: 800; letter-spacing: 1px; text-transform: uppercase; margin-bottom: 4px; }
.spec-item strong { color: var(--navy); font-size: 16px; }

.steps-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; margin-top: 46px; }
.step-card, .testi-card, .contact-card, .team-card { background: #fff; border: 1px solid var(--border); border-radius: 18px; padding: 26px; box-shadow: var(--shadow); }
.step-num { width: 46px; height: 46px; display: grid; place-items: center; color: var(--navy); background: var(--gold); border-radius: 50%; font-weight: 800; margin-bottom: 20px; }
.step-card h3, .contact-card h3, .team-card h3 { color: var(--navy); margin-bottom: 10px; }
.step-card p, .contact-card p, .team-card p { color: var(--gray); line-height: 1.65; }

.about-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 54px; align-items: center; }
.about-img { overflow: hidden; border-radius: 22px; box-shadow: var(--shadow-lg); }
.about-img img { width: 100%; height: 460px; object-fit: cover; }
.team-grid, .testi-grid, .contact-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; margin-top: 42px; }
.team-grid { grid-template-columns: repeat(4,1fr); }
.team-card img { width: 82px; height: 82px; border-radius: 50%; object-fit: cover; margin-bottom: 18px; }
.team-card span, .testi-card span { color: var(--gold); font-size: 12px; font-weight: 800; text-transform: uppercase; letter-spacing: 1px; }
.stars { color: var(--gold); margin-bottom: 12px; }
.testi-card blockquote { color: var(--text); line-height: 1.7; margin-bottom: 18px; }

.testimonial-stats { padding: 34px 0; background: var(--cream); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.testimonial-stats-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
.testimonial-stat { padding: 22px; background: #fff; border: 1px solid var(--border); border-radius: 16px; box-shadow: var(--shadow); }
.testimonial-stat strong { display: block; color: var(--gold); font-size: 34px; line-height: 1; }
.testimonial-stat span { display: block; margin-top: 8px; color: var(--gray); font-size: 12px; font-weight: 800; letter-spacing: 1px; text-transform: uppercase; }
.featured-testimonial { display: grid; grid-template-columns: .95fr 1.05fr; gap: 54px; align-items: center; }
.featured-testimonial-img { overflow: hidden; border-radius: 22px; box-shadow: var(--shadow-lg); }
.featured-testimonial-img img { width: 100%; height: 430px; object-fit: cover; }
.featured-quote { margin: 26px 0; padding: 22px 24px; color: var(--navy); font-family: "Cormorant Garamond", serif; font-size: 25px; line-height: 1.35; border-left: 4px solid var(--gold); background: var(--cream); border-radius: 0 16px 16px 0; }
.featured-client, .testimonial-person { display: flex; align-items: center; gap: 14px; }
.featured-client img, .testimonial-person img { width: 58px; height: 58px; border-radius: 50%; object-fit: cover; flex: 0 0 58px; }
.featured-client strong, .testimonial-person strong { display: block; color: var(--navy); font-size: 16px; }
.featured-client span, .testimonial-person small { display: block; margin-top: 3px; color: var(--gray); font-size: 13px; }
.testimonial-person { margin-bottom: 18px; }
.testimonial-card-rich { display: flex; flex-direction: column; min-height: 100%; }
.testimonial-card-rich blockquote { flex: 1; }
.story-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
.story-card { overflow: hidden; background: #fff; border: 1px solid var(--border); border-radius: 18px; box-shadow: var(--shadow); }
.story-card img { width: 100%; height: 190px; object-fit: cover; }
.story-card div { padding: 22px; }
.story-card span { display: inline-block; color: var(--gold); font-size: 11px; font-weight: 800; letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 8px; }
.story-card h3 { color: var(--navy); margin-bottom: 8px; }
.story-card p { color: var(--gray); line-height: 1.65; font-size: 14.5px; }

.contact-layout { display: grid; grid-template-columns: .85fr 1.15fr; gap: 54px; align-items: start; }
.contact-items { display: grid; gap: 14px; margin-top: 26px; }
.contact-card { display: flex; gap: 16px; align-items: flex-start; }
.contact-card i { width: 44px; height: 44px; flex: 0 0 44px; display: grid; place-items: center; color: var(--gold); background: var(--navy); border-radius: 10px; }
.form-card { background: var(--cream); border: 1px solid var(--border); border-radius: 22px; padding: 38px; }
.form-card h2 { font-family: "Cormorant Garamond", serif; color: var(--navy); font-size: 34px; margin-bottom: 6px; }
.form-card > p { color: var(--gray); margin-bottom: 24px; }
.form-disclosure { margin: 0 0 22px; padding: 14px 16px; background: #fff; border: 1px solid var(--border); border-left: 4px solid var(--gold); border-radius: 12px; }
.form-disclosure strong { display: block; color: var(--navy); font-size: 13px; margin-bottom: 6px; }
.form-disclosure span { display: block; color: var(--gray); font-size: 12px; line-height: 1.55; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 16px; }
.form-group label { display: block; color: var(--navy); font-size: 13px; font-weight: 700; margin-bottom: 7px; }
.form-group input, .form-group select, .form-group textarea { width: 100%; padding: 13px 15px; border: 1.5px solid var(--border); border-radius: 10px; background: #fff; color: var(--text); outline: none; }
.form-group textarea { height: 112px; resize: vertical; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(67,167,156,.12); }
.form-check { display: flex; gap: 10px; align-items: flex-start; color: var(--gray); font-size: 13px; line-height: 1.5; margin: 4px 0 18px; }
.form-check input { margin-top: 3px; accent-color: var(--gold); }
.form-hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; opacity: 0; }
.form-error { display: none; margin-top: 14px; padding: 14px; color: #b91c1c; background: #fef2f2; border: 1px solid #fecaca; border-radius: 12px; text-align: center; }
.form-reassurance { display: grid; gap: 8px; margin: 14px 0 20px; padding: 14px 16px; background: #fff; border: 1px solid var(--border); border-radius: 12px; color: var(--gray); font-size: 13px; line-height: 1.5; }
.form-reassurance span { display: flex; gap: 8px; align-items: flex-start; }
.form-reassurance i { color: var(--gold); margin-top: 2px; }

.cookie-banner { position: fixed; left: 24px; right: 24px; bottom: 24px; z-index: 1200; display: flex; align-items: center; justify-content: space-between; gap: 22px; max-width: 1040px; margin: 0 auto; padding: 20px; background: #fff; border: 1px solid var(--border); border-radius: 16px; box-shadow: 0 18px 60px rgba(17,24,39,.22); }
.cookie-banner strong { display: block; color: var(--navy); margin-bottom: 6px; }
.cookie-banner p { color: var(--gray); font-size: 14px; line-height: 1.6; max-width: 720px; }
.cookie-banner a { display: inline-flex; margin-top: 8px; color: var(--gold); font-size: 13px; font-weight: 700; }
.cookie-actions { display: flex; gap: 10px; flex: 0 0 auto; }
.cookie-actions .btn-dark, .cookie-actions .btn-primary { border: 0; padding: 12px 18px; }

.confirmation-section { min-height: 58vh; display: flex; align-items: center; background: radial-gradient(ellipse at 12% 18%, rgba(67,167,156,.14), transparent 42%), linear-gradient(135deg, #e7f6f3 0%, #ffffff 100%); }
.confirmation-box { max-width: 820px; text-align: center; }
.confirmation-icon { width: 76px; height: 76px; display: grid; place-items: center; margin: 0 auto 24px; color: #fff; background: var(--gold); border-radius: 50%; box-shadow: 0 16px 40px rgba(67,167,156,.28); font-size: 30px; }
.confirmation-box h1 { color: var(--navy); font-family: "Cormorant Garamond", serif; font-size: clamp(38px,5vw,62px); line-height: 1.08; margin-bottom: 14px; }
.confirmation-box p { max-width: 640px; margin: 0 auto; color: var(--gray); font-size: 17px; line-height: 1.75; }
.confirmation-actions { display: flex; justify-content: center; flex-wrap: wrap; gap: 14px; margin-top: 30px; }

.legal-section { padding: 78px 0; background: #fff; }
.legal-content { max-width: 900px; }
.legal-content h2 { color: var(--navy); font-family: "Cormorant Garamond", serif; font-size: 30px; margin: 30px 0 10px; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p { color: var(--gray); font-size: 16px; line-height: 1.8; }

.about-stats { padding: 34px 0; background: var(--cream); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.about-stats-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
.about-stat { padding: 22px; background: #fff; border: 1px solid var(--border); border-radius: 16px; box-shadow: var(--shadow); }
.about-stat strong { display: block; color: var(--gold); font-size: 34px; line-height: 1; }
.about-stat span { display: block; margin-top: 8px; color: var(--gray); font-size: 12px; font-weight: 800; letter-spacing: 1px; text-transform: uppercase; }

.about-muted { background: var(--cream); }
.values-grid, .history-grid, .governance-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
.value-card, .history-card, .governance-card { background: #fff; border: 1px solid var(--border); border-radius: 18px; padding: 26px; box-shadow: var(--shadow); }
.value-card i, .governance-card i { width: 46px; height: 46px; display: grid; place-items: center; color: #fff; background: var(--navy); border-radius: 12px; margin-bottom: 18px; }
.value-card h3, .history-card h3, .governance-card h3 { color: var(--navy); margin-bottom: 8px; }
.value-card p, .history-card p, .governance-card p { color: var(--gray); line-height: 1.65; }

.about-method-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 54px; align-items: start; }
.method-list { display: grid; gap: 16px; }
.method-item { display: grid; grid-template-columns: 58px 1fr; gap: 18px; padding: 22px; background: #fff; border: 1px solid var(--border); border-radius: 18px; box-shadow: var(--shadow); }
.method-item > span, .history-card span { width: 44px; height: 44px; display: grid; place-items: center; color: #fff; background: var(--gold); border-radius: 50%; font-weight: 800; }
.method-item h3 { color: var(--navy); margin-bottom: 6px; }
.method-item p { color: var(--gray); line-height: 1.65; }
.history-card span { margin-bottom: 18px; }
.governance-grid { grid-template-columns: repeat(3,1fr); }

.process-overview { padding: 90px 0; background: var(--cream); }
.process-overview-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 54px; align-items: center; }
.process-image { overflow: hidden; border-radius: 22px; box-shadow: var(--shadow-lg); }
.process-image img { width: 100%; height: 430px; object-fit: cover; }
.process-checks { display: grid; gap: 14px; margin-top: 28px; }
.process-checks div { display: flex; align-items: flex-start; gap: 12px; color: var(--text); font-weight: 600; }
.process-checks i { color: var(--gold); margin-top: 4px; }

.process-timeline { display: grid; gap: 20px; margin-top: 46px; }
.timeline-item { display: grid; grid-template-columns: 80px 1fr; gap: 22px; padding: 28px; background: #fff; border: 1px solid var(--border); border-radius: 20px; box-shadow: var(--shadow); }
.timeline-item > span { width: 54px; height: 54px; display: grid; place-items: center; color: #fff; background: var(--gold); border-radius: 50%; font-weight: 800; }
.timeline-item h3 { color: var(--navy); font-size: 22px; margin-bottom: 8px; }
.timeline-item p { color: var(--gray); line-height: 1.7; margin-bottom: 14px; }
.timeline-item ul { display: flex; flex-wrap: wrap; gap: 8px; list-style: none; }
.timeline-item li { padding: 7px 11px; border-radius: 999px; color: var(--navy); background: var(--gold3); font-size: 13px; font-weight: 700; }

.process-muted { background: var(--cream); }
.section-split-head { display: grid; grid-template-columns: .9fr 1.1fr; gap: 42px; align-items: end; margin-bottom: 34px; }
.documents-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
.document-card, .assurance-card { background: #fff; border: 1px solid var(--border); border-radius: 18px; padding: 26px; box-shadow: var(--shadow); }
.document-card i, .assurance-card i { width: 46px; height: 46px; display: grid; place-items: center; color: #fff; background: var(--navy); border-radius: 12px; margin-bottom: 18px; }
.document-card h3, .assurance-card h3 { color: var(--navy); margin-bottom: 8px; }
.document-card p, .assurance-card p { color: var(--gray); line-height: 1.65; }
.assurance-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }

.faq-layout { display: grid; grid-template-columns: .8fr 1.2fr; gap: 54px; align-items: start; }
.faq-list { display: grid; gap: 12px; }
.faq-list details { background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 18px 20px; box-shadow: var(--shadow); }
.faq-list summary { color: var(--navy); font-weight: 800; cursor: pointer; }
.faq-list p { color: var(--gray); line-height: 1.7; margin-top: 10px; }

.site-footer { background: var(--navy); color: rgba(255,255,255,.65); }
.footer-top { padding: 58px 0 42px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 42px; }
.footer-brand .logo-words strong { color: #fff; }
.footer-brand p { margin-top: 16px; max-width: 310px; font-size: 14px; line-height: 1.8; }
.footer-cert { margin-top: 18px; color: rgba(255,255,255,.42); font-size: 12px; }
.footer-cert i { color: var(--gold); margin-right: 6px; }
.footer-col h4 { color: #fff; font-size: 13px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 18px; padding-bottom: 12px; border-bottom: 1px solid rgba(255,255,255,.08); }
.footer-links { list-style: none; display: grid; gap: 10px; }
.footer-links a { color: rgba(255,255,255,.56); font-size: 14px; display: inline-flex; gap: 7px; align-items: center; }
.footer-links a:hover { color: var(--gold2); }
.footer-links i { color: var(--gold); font-size: 10px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.07); padding: 20px 0; display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; font-size: 13px; }
.footer-bottom a { color: rgba(255,255,255,.42); }

.telegram-float {
  position: fixed;
  right: 24px;
  bottom: 24px;
  z-index: 900;
  min-height: 58px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 0 20px 0 17px;
  color: #fff;
  background: #229ed9;
  border: 1px solid rgba(255,255,255,.42);
  border-radius: 999px;
  box-shadow: 0 14px 34px rgba(34,158,217,.36);
  transition: transform .2s, box-shadow .2s, background .2s;
  font-size: 15px;
  font-weight: 800;
  letter-spacing: 0;
}
.telegram-float:hover {
  background: #168ac0;
  transform: translateY(-3px);
  box-shadow: 0 18px 42px rgba(34,158,217,.42);
}
.telegram-float i { font-size: 26px; }
.telegram-float span {
  display: inline-block;
  white-space: nowrap;
}

.fade-in { opacity: 0; transform: translateY(24px); transition: opacity .65s ease, transform .65s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); }

@media (max-width: 1024px) {
  .hero-inner, .why-layout, .loan-row, .about-grid, .contact-layout, .featured-testimonial, .disclosure-head { grid-template-columns: 1fr; }
  .loan-section:nth-child(even) .loan-visual { order: initial; }
  .domain-grid, .team-grid, .testi-grid, .contact-grid, .documents-grid, .assurance-grid, .about-stats-grid, .values-grid, .history-grid, .governance-grid, .testimonial-stats-grid, .story-grid, .disclosure-grid { grid-template-columns: repeat(2,1fr); }
  .process-overview-grid, .section-split-head, .faq-layout, .about-method-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .container, .topbar-inner, nav { padding: 0 16px; }
  .topbar-left { display: none; }
  .topbar-inner { justify-content: center; }
  .nav-hamburger { display: flex; }
  .nav-menu { position: fixed; top: 72px; right: 0; width: min(82vw, 340px); height: calc(100vh - 72px); background: #fff; flex-direction: column; align-items: stretch; padding: 28px 20px; gap: 0; z-index: 250; box-shadow: -8px 0 28px rgba(38,50,63,.14); transform: translateX(100%); visibility: hidden; transition: transform .3s, visibility .3s; }
  .nav-menu.open { transform: translateX(0); visibility: visible; }
  .nav-menu a { padding: 15px 10px; border-bottom: 1px solid var(--border); border-radius: 0; }
  .btn-nav { margin-top: 14px; text-align: center; border-radius: 10px !important; }
  #hero { padding: 60px 0; }
  .hero-stats { display: none; }
  .hero-stats, .domain-grid, .team-grid, .testi-grid, .contact-grid, .steps-grid, .spec-grid, .form-row, .footer-grid, .documents-grid, .assurance-grid, .about-stats-grid, .values-grid, .history-grid, .governance-grid, .testimonial-stats-grid, .story-grid, .disclosure-grid { grid-template-columns: 1fr; }
  .method-item { grid-template-columns: 1fr; }
  .timeline-item { grid-template-columns: 1fr; }
  .process-image img, .featured-testimonial-img img { height: 300px; }
  .calc-card, .form-card, .disclosure-box { padding: 24px 18px; border-radius: 16px; }
  .contact-hero { padding: 26px 0 20px; }
  .contact-section { padding: 24px 0 46px; }
  .contact-layout > form { order: -1; }
  .lead-modal { padding: 14px; align-items: flex-start; }
  .lead-modal-panel { padding: 28px 18px 20px; max-height: calc(100vh - 28px); border-radius: 16px; }
  .lead-modal-panel h2 { font-size: 31px; padding-right: 38px; }
  .cookie-banner { left: 12px; right: 12px; bottom: 12px; flex-direction: column; align-items: stretch; padding: 16px; }
  .cookie-actions { display: grid; grid-template-columns: 1fr 1fr; }
  .telegram-float { right: 16px; bottom: 16px; min-height: 54px; padding: 0 16px 0 14px; font-size: 14px; }
  .telegram-float i { font-size: 24px; }
  .loan-visual, .about-img img { height: 300px; }
  .cta-box { flex-direction: column; align-items: flex-start; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

.home-alt-palette {
  --navy: #26323f;
  --navy2: #111827;
  --gold: #43a79c;
  --gold2: #5ec2b8;
  --gold3: rgba(67,167,156,.13);
  --cream: #eaf8f5;
  --border: #d7e7e4;
  --text: #26323f;
  --shadow: 0 4px 28px rgba(38,50,63,.10);
  --shadow-lg: 0 12px 48px rgba(38,50,63,.14);
}

.home-alt-palette #hero {
  background:
    radial-gradient(ellipse at 12% 18%, rgba(67,167,156,.16), transparent 42%),
    radial-gradient(ellipse at 88% 28%, rgba(94,194,184,.16), transparent 48%),
    linear-gradient(135deg, #e7f6f3 0%, #eef9f6 54%, #ffffff 100%);
}

.home-alt-palette #hero::before {
  background: radial-gradient(ellipse at 15% 20%, rgba(67,167,156,.12), transparent 45%);
}

.home-alt-palette .hero-grid-bg {
  opacity: .35;
  background-image:
    linear-gradient(rgba(38,50,63,.08) 1px, transparent 1px),
    linear-gradient(90deg, rgba(38,50,63,.08) 1px, transparent 1px);
}

.home-alt-palette .hero-badge {
  color: #347f78;
  background: rgba(67,167,156,.10);
  border-color: rgba(67,167,156,.22);
}

.home-alt-palette .hero-h {
  color: #26323f;
}

.home-alt-palette .hero-p {
  color: #5b6875;
}

.home-alt-palette .btn-primary {
  background: #43a79c;
  color: #fff;
  box-shadow: 0 4px 18px rgba(67,167,156,.24);
}

.home-alt-palette .btn-primary:hover {
  background: #111827;
  box-shadow: 0 8px 28px rgba(17,24,39,.2);
}

.home-alt-palette .hero-h em,
.home-alt-palette .section-h em,
.home-alt-palette .calc-result strong {
  color: #43a79c;
}

.home-alt-palette .btn-outline {
  color: #26323f;
  background: #fff;
  border-color: #cfdcda;
}

.home-alt-palette .btn-outline:hover {
  color: #43a79c;
  border-color: #43a79c;
}

.home-alt-palette .stat {
  border-left-color: rgba(67,167,156,.28);
}

.home-alt-palette .stat strong {
  color: #26323f;
}

.home-alt-palette .stat span {
  color: #71808d;
}

.home-alt-palette .calc-card {
  background: rgba(255,255,255,.88);
  border-color: rgba(67,167,156,.16);
  box-shadow: 0 24px 70px rgba(38,50,63,.12);
}

.home-alt-palette .calc-card h3 {
  color: #26323f;
}

.home-alt-palette .c-label {
  color: #71808d;
}

.home-alt-palette .amount-row {
  color: #26323f;
}

.home-alt-palette .c-select {
  color: #26323f;
  background: #fff;
  border-color: #d7e2df;
}

.home-alt-palette .calc-result {
  background: #26323f;
  border-color: transparent;
}

.home-alt-palette .calc-result strong {
  color: #5ec2b8;
}