:root {
  --navy: #082b4a;
  --blue: #0a5f8f;
  --blue-2: #0d7a9b;
  --gold: #d6a44a;
  --gold-2: #f0ca77;
  --ink: #102235;
  --muted: #5e6d79;
  --line: #dbe5ec;
  --panel: #ffffff;
  --soft: #f4f8fb;
  --shadow: 0 24px 70px rgba(8, 43, 74, 0.16);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--soft);
  color: var(--ink);
  font-family: Inter, Arial, sans-serif;
  line-height: 1.6;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 24px;
  align-items: center;
  padding: 14px clamp(18px, 5vw, 72px);
  background: rgba(244, 248, 251, 0.88);
  border-bottom: 1px solid rgba(8, 43, 74, 0.08);
  backdrop-filter: blur(18px);
}

.brand,
.header-actions,
.nav-links,
.lang-switch {
  display: flex;
  align-items: center;
}

.brand {
  gap: 12px;
}

.brand-mark {
  display: grid;
  width: 46px;
  height: 46px;
  place-items: center;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  color: var(--gold-2);
  font-weight: 800;
  box-shadow: 0 10px 24px rgba(8, 43, 74, 0.18);
}

.brand strong,
.brand small {
  display: block;
}

.brand small {
  color: var(--muted);
  font-size: 12px;
}

.nav-links {
  justify-content: center;
  gap: 24px;
  color: #23384a;
  font-size: 14px;
  font-weight: 700;
}

.nav-links a {
  padding: 8px 0;
  border-bottom: 2px solid transparent;
}

.nav-links a:hover {
  border-color: var(--gold);
}

.header-actions {
  gap: 12px;
}

.lang-switch {
  padding: 4px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.lang-switch button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 44px;
  border: 0;
  border-radius: 6px;
  background: transparent;
  color: var(--muted);
  cursor: pointer;
  font-size: 13px;
  font-weight: 800;
  padding: 7px 8px;
}

.lang-switch button.active {
  background: var(--navy);
  color: #fff;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  border: 1px solid transparent;
  border-radius: 8px;
  cursor: pointer;
  font-weight: 800;
  padding: 12px 20px;
  transition: transform 160ms ease, box-shadow 160ms ease, background 160ms ease;
}

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

.button.primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  color: #102235;
  box-shadow: 0 16px 32px rgba(214, 164, 74, 0.26);
}

.button.ghost {
  border-color: rgba(255, 255, 255, 0.45);
  color: #fff;
}

.button.compact {
  min-height: 40px;
  background: var(--gold);
  color: var(--ink);
  padding: 9px 14px;
}

.section,
.section-band,
.metrics,
.site-footer {
  padding-inline: clamp(18px, 5vw, 72px);
}

.section {
  padding-block: 88px;
}

.section-band {
  position: relative;
  padding-block: 78px;
  overflow: hidden;
}

.hero {
  display: grid;
  min-height: 690px;
  grid-template-columns: minmax(0, 0.95fr) minmax(420px, 1.05fr);
  gap: 48px;
  align-items: center;
  background:
    radial-gradient(circle at 10% 20%, rgba(214, 164, 74, 0.20), transparent 28%),
    linear-gradient(135deg, #082b4a 0%, #0a5f8f 56%, #07304f 100%);
  color: #fff;
}

.hero::after,
.calculator-section::after,
.faq::after {
  content: "";
  position: absolute;
  inset: auto -10% -35% 40%;
  height: 360px;
  background-image:
    linear-gradient(45deg, rgba(255, 255, 255, 0.08) 25%, transparent 25%),
    linear-gradient(-45deg, rgba(255, 255, 255, 0.08) 25%, transparent 25%);
  background-size: 42px 42px;
  opacity: 0.6;
  transform: rotate(-6deg);
}

.hero-copy,
.hero-visual,
.calculator,
.calculator-copy,
.apply-section > div,
.application-form {
  position: relative;
  z-index: 1;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--gold-2);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 780px;
  margin-bottom: 22px;
  font-size: clamp(44px, 6vw, 78px);
  line-height: 0.98;
  letter-spacing: 0;
}

h2 {
  margin-bottom: 16px;
  color: var(--navy);
  font-size: clamp(30px, 4vw, 48px);
  line-height: 1.08;
}

h3 {
  margin-bottom: 10px;
  color: var(--navy);
  font-size: 20px;
  line-height: 1.25;
}

.hero-text {
  max-width: 640px;
  color: rgba(255, 255, 255, 0.82);
  font-size: 20px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 34px 0;
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  max-width: 640px;
  margin: 0;
}

.trust-strip div,
.metrics div,
.result-grid div {
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  padding: 18px;
  background: rgba(255, 255, 255, 0.10);
}

.trust-strip dt {
  color: var(--gold-2);
  font-size: 26px;
  font-weight: 900;
}

.trust-strip dd {
  margin: 0;
  color: rgba(255, 255, 255, 0.76);
  font-size: 13px;
}

.hero-visual {
  min-height: 520px;
}

.hero-visual img {
  width: 100%;
  height: min(560px, 48vw);
  min-height: 420px;
  object-fit: cover;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 8px;
  box-shadow: 0 32px 90px rgba(0, 0, 0, 0.28);
}

.rate-card {
  position: absolute;
  right: 28px;
  bottom: -22px;
  display: grid;
  min-width: 178px;
  gap: 0;
  padding: 20px;
  border-radius: 8px;
  background: #fff;
  color: var(--ink);
  box-shadow: var(--shadow);
}

.rate-card span,
.rate-card small {
  color: var(--muted);
  font-weight: 700;
}

.rate-card strong {
  color: var(--blue);
  font-size: 44px;
  line-height: 1;
}

.metrics {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1px;
  background: #fff;
  box-shadow: inset 0 -1px var(--line);
}

.metrics div {
  border: 0;
  border-radius: 0;
  background: #fff;
  padding-block: 32px;
}

.metrics strong {
  display: block;
  color: var(--blue);
  font-size: 30px;
}

.metrics span {
  color: var(--muted);
  font-size: 14px;
  font-weight: 700;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 36px;
}

.section-heading .eyebrow,
.calculator-copy .eyebrow,
.apply-section .eyebrow {
  color: var(--blue);
}

.product-grid,
.reviews {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.product-card,
.steps article,
.reviews article,
.application-form,
.calculator {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--panel);
  box-shadow: 0 14px 40px rgba(8, 43, 74, 0.07);
}

.product-card {
  padding: 28px;
}

.product-card.featured {
  background: linear-gradient(180deg, #ffffff, #f7fbfd);
  border-top: 4px solid var(--gold);
}

.icon-badge {
  display: grid;
  width: 52px;
  height: 52px;
  place-items: center;
  margin-bottom: 22px;
  border-radius: 8px;
  background: #e8f3f8;
  color: var(--blue);
  font-size: 24px;
}

.product-card p,
.steps p,
.reviews p,
.faq p,
.calculator-copy p,
.apply-section p,
.site-footer p {
  color: var(--muted);
}

.product-card ul {
  display: grid;
  gap: 10px;
  margin: 22px 0 0;
  padding: 0;
  list-style: none;
}

.product-card li {
  position: relative;
  padding-left: 24px;
  color: #2b4153;
  font-weight: 700;
}

.product-card li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 10px;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--gold);
}

.calculator-section,
.apply-section,
.faq {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(420px, 1fr);
  gap: 42px;
  align-items: center;
  background:
    linear-gradient(135deg, rgba(8, 43, 74, 0.96), rgba(10, 95, 143, 0.94)),
    var(--navy);
}

.calculator-section h2,
.apply-section h2,
.faq h2 {
  color: #fff;
}

.calculator-copy p,
.apply-section p {
  max-width: 620px;
  color: rgba(255, 255, 255, 0.76);
}

.calculator,
.application-form {
  display: grid;
  gap: 18px;
  padding: 26px;
}

output {
  color: var(--blue);
  font-size: 22px;
  font-weight: 900;
}

.static-row,
.static-application > div {
  display: grid;
  gap: 4px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f8fbfd;
  padding: 16px;
}

.static-row span,
.static-application span {
  color: var(--muted);
  font-size: 13px;
  font-weight: 800;
}

.static-row strong,
.static-application strong {
  color: var(--navy);
}

.result-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
}

.result-grid div {
  border-color: var(--line);
  background: #f8fbfd;
}

.result-grid span {
  display: block;
  min-height: 42px;
  color: var(--muted);
  font-size: 13px;
  font-weight: 800;
}

.result-grid strong {
  display: block;
  color: var(--navy);
  font-size: clamp(18px, 2vw, 24px);
  line-height: 1.2;
}

.fineprint {
  margin: 0;
  color: var(--muted);
  font-size: 13px;
}

.steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.steps article {
  padding: 24px;
}

.steps span {
  display: inline-flex;
  margin-bottom: 28px;
  color: var(--gold);
  font-size: 30px;
  font-weight: 900;
}

.apply-section {
  grid-template-columns: minmax(0, 0.75fr) minmax(500px, 1fr);
}

.application-form {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.application-form .wide {
  grid-column: 1 / -1;
}

.reviews article {
  padding: 28px;
}

.reviews p {
  font-size: 17px;
}

.reviews strong {
  color: var(--navy);
}

.faq {
  grid-template-columns: minmax(0, 0.8fr) minmax(420px, 1fr);
}

.faq-list {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 12px;
}

.faq-list article {
  padding: 20px 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

.faq-list p {
  margin: 12px 0 0;
}

.site-footer {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  padding-block: 36px;
  background: #061f36;
  color: #fff;
}

.site-footer p {
  margin: 6px 0 0;
  color: rgba(255, 255, 255, 0.68);
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
  color: var(--gold-2);
  font-weight: 800;
}

@media (max-width: 1080px) {
  .site-header {
    grid-template-columns: 1fr;
  }

  .nav-links {
    flex-wrap: wrap;
    justify-content: flex-start;
  }

  .hero,
  .calculator-section,
  .apply-section,
  .faq {
    grid-template-columns: 1fr;
  }

  .hero {
    padding-top: 52px;
  }

  .hero-visual img {
    height: 470px;
  }

  .metrics,
  .steps {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .product-grid,
  .reviews {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 680px) {
  .site-header {
    position: static;
    gap: 12px;
    padding: 12px 18px;
  }

  .brand-mark {
    width: 40px;
    height: 40px;
  }

  .nav-links {
    display: none;
  }

  .section,
  .section-band {
    padding-block: 58px;
  }

  .hero {
    min-height: 0;
  }

  .hero-text {
    font-size: 17px;
  }

  .trust-strip,
  .metrics,
  .steps,
  .result-grid,
  .application-form {
    grid-template-columns: 1fr;
  }

  .hero-visual {
    min-height: 0;
  }

  .hero-visual img {
    height: 330px;
    min-height: 0;
  }

  .rate-card {
    position: static;
    margin-top: 14px;
  }

  .header-actions {
    align-items: stretch;
    flex-direction: row;
    gap: 8px;
  }

  .lang-switch {
    flex: 1;
  }

  .lang-switch button {
    flex: 1;
    min-width: 0;
    padding-inline: 6px;
  }

  .button.compact {
    flex: 1;
    padding-inline: 10px;
  }

  .site-footer {
    flex-direction: column;
  }
}