:root {
  --color-red: #c9000b;
  --color-red-bright: #e4141f;
  --color-red-dark: #8e0007;
  --color-black: #070707;
  --color-ink: #151515;
  --color-muted: #60636d;
  --color-line: #e8e8e8;
  --color-soft: #f7f7f7;
  --color-white: #ffffff;
  --shadow-soft: 0 16px 44px rgba(9, 9, 9, 0.08);
  --shadow-red: 0 18px 44px rgba(142, 0, 7, 0.28);
  --radius-small: 8px;
  --radius-medium: 14px;
  --container: 1180px;
  --header-height: 86px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--color-white);
  color: var(--color-ink);
  font-family: "Segoe UI", Roboto, Arial, sans-serif;
  line-height: 1.5;
  text-rendering: optimizeLegibility;
}

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

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

button,
input,
select {
  font: inherit;
}

button {
  cursor: pointer;
}

.container {
  width: min(var(--container), calc(100% - 40px));
  margin-inline: auto;
}

.skip-link {
  position: fixed;
  left: 16px;
  top: 12px;
  z-index: 1000;
  transform: translateY(-150%);
  border-radius: var(--radius-small);
  background: var(--color-black);
  color: var(--color-white);
  padding: 10px 14px;
  transition: transform 180ms ease;
}

.skip-link:focus {
  transform: translateY(0);
}

.screen-reader-text,
.svg-sprite {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
  backdrop-filter: blur(16px);
  transition: box-shadow 220ms ease, background-color 220ms ease;
}

.site-header.is-scrolled {
  background: rgba(255, 255, 255, 0.98);
  box-shadow: 0 14px 36px rgba(0, 0, 0, 0.1);
}

.header-inner {
  min-height: var(--header-height);
  display: flex;
  align-items: center;
  gap: 28px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  flex: 0 0 auto;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 58px;
  height: 42px;
}

.brand-mark svg {
  width: 58px;
  height: 42px;
  fill: none;
  stroke: currentColor;
  stroke-width: 3.2;
  stroke-linecap: round;
  stroke-linejoin: round;
  color: var(--color-black);
}

.brand-mark circle {
  fill: var(--color-red);
  stroke: var(--color-black);
}

.brand-copy {
  display: grid;
  gap: 0;
  text-transform: uppercase;
  line-height: 1;
}

.brand-copy strong {
  color: var(--color-red-dark);
  font-size: clamp(1.35rem, 2vw, 1.95rem);
  letter-spacing: 0;
}

.brand-copy span {
  color: var(--color-black);
  font-size: 0.92rem;
  font-weight: 800;
}

.primary-nav {
  margin-left: auto;
}

.primary-nav ul {
  list-style: none;
  display: flex;
  align-items: center;
  gap: 25px;
  margin: 0;
  padding: 0;
}

.primary-nav a {
  position: relative;
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  color: var(--color-black);
  font-size: 0.91rem;
  font-weight: 800;
  transition: color 180ms ease;
}

.primary-nav li {
  position: relative;
}

.nav-dropdown-toggle {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  min-height: 44px;
  border: 0;
  background: transparent;
  color: var(--color-black);
  padding: 0;
  font-size: 0.91rem;
  font-weight: 800;
  transition: color 180ms ease;
}

.nav-dropdown-toggle::before {
  content: "";
  width: 6px;
  height: 6px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  order: 2;
  transform: translateY(-2px) rotate(45deg);
  transition: transform 180ms ease;
}

.nav-dropdown-toggle::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 2px;
  transform: scaleX(0);
  transform-origin: left;
  background: var(--color-red);
  transition: transform 180ms ease;
}

.nav-dropdown-toggle:hover,
.nav-dropdown-toggle:focus-visible,
.has-dropdown.is-open > .nav-dropdown-toggle {
  color: var(--color-red);
}

.nav-dropdown-toggle:hover::after,
.nav-dropdown-toggle:focus-visible::after,
.has-dropdown.is-open > .nav-dropdown-toggle::after {
  transform: scaleX(1);
}

.has-dropdown:hover > .nav-dropdown-toggle::before,
.has-dropdown:focus-within > .nav-dropdown-toggle::before,
.has-dropdown.is-open > .nav-dropdown-toggle::before {
  transform: translateY(1px) rotate(225deg);
}

.mega-dropdown {
  position: absolute;
  left: 50%;
  top: calc(100% + 12px);
  z-index: 20;
  display: grid;
  min-width: 240px;
  padding: 12px;
  border: 1px solid rgba(201, 0, 11, 0.12);
  border-radius: var(--radius-small);
  background: var(--color-white);
  box-shadow: 0 24px 50px rgba(0, 0, 0, 0.14);
  opacity: 0;
  pointer-events: none;
  transform: translate(-50%, 8px);
  transition: opacity 180ms ease, transform 180ms ease;
}

.mega-dropdown::before {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: -14px;
  height: 14px;
}

.has-dropdown:hover > .mega-dropdown,
.has-dropdown:focus-within > .mega-dropdown,
.has-dropdown.is-open > .mega-dropdown {
  opacity: 1;
  pointer-events: auto;
  transform: translate(-50%, 0);
}

.mega-dropdown a {
  min-height: auto;
  border-radius: 6px;
  padding: 11px 12px;
  color: var(--color-black);
  font-size: 0.9rem;
}

.mega-dropdown a::after {
  display: none;
}

.mega-dropdown a:hover,
.mega-dropdown a:focus-visible {
  background: #fff0f0;
  color: var(--color-red);
}

.primary-nav a::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 2px;
  transform: scaleX(0);
  transform-origin: left;
  background: var(--color-red);
  transition: transform 180ms ease;
}

.primary-nav a:hover,
.primary-nav a:focus-visible,
.primary-nav a.active {
  color: var(--color-red);
}

.primary-nav a:hover::after,
.primary-nav a:focus-visible::after,
.primary-nav a.active::after {
  transform: scaleX(1);
}

.header-cta {
  display: grid;
  gap: 1px;
  min-width: 164px;
  border-radius: var(--radius-small);
  background: linear-gradient(135deg, var(--color-red), var(--color-red-dark));
  color: var(--color-white);
  padding: 13px 18px;
  font-weight: 900;
  box-shadow: 0 10px 24px rgba(201, 0, 11, 0.2);
  transition: transform 180ms ease, box-shadow 180ms ease;
}

.header-cta small {
  font-size: 0.72rem;
  font-weight: 700;
  opacity: 0.92;
}

.header-cta:hover,
.header-cta:focus-visible {
  transform: translateY(-2px);
  box-shadow: 0 14px 30px rgba(201, 0, 11, 0.28);
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--color-line);
  border-radius: var(--radius-small);
  background: var(--color-white);
  color: var(--color-black);
  padding: 11px;
}

.menu-toggle span:not(.screen-reader-text) {
  display: block;
  height: 2px;
  margin: 5px 0;
  background: currentColor;
  transition: transform 180ms ease, opacity 180ms ease;
}

.nav-open .menu-toggle span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-open .menu-toggle span:nth-child(2) {
  opacity: 0;
}

.nav-open .menu-toggle span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.hero {
  position: relative;
  isolation: isolate;
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.04) 0 18%, transparent 18% 100%),
    linear-gradient(45deg, transparent 0 72%, rgba(255, 255, 255, 0.05) 72% 100%),
    radial-gradient(circle at 16% 20%, rgba(255, 255, 255, 0.1), transparent 34%),
    linear-gradient(135deg, #d40a15 0%, #b80009 48%, #8e0007 100%);
  color: var(--color-white);
  padding: clamp(42px, 5.6vw, 70px) 0 32px;
}

.hero::before,
.hero::after {
  content: "";
  position: absolute;
  z-index: -1;
  inset: auto;
  width: 290px;
  height: 290px;
  border: 1px solid rgba(255, 255, 255, 0.08);
  transform: rotate(45deg);
}

.hero::before {
  left: 24%;
  top: -120px;
}

.hero::after {
  right: -80px;
  top: 96px;
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.96fr) minmax(390px, 1fr);
  align-items: center;
  gap: clamp(28px, 5vw, 58px);
}

.hero-content {
  max-width: 630px;
}

.eyebrow {
  margin: 0 0 8px;
  color: var(--color-red);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0;
  text-transform: uppercase;
}

.hero-eyebrow {
  color: rgba(255, 255, 255, 0.86);
}

.hero h1 {
  margin: 0;
  font-size: clamp(2.4rem, 4.55vw, 4.2rem);
  line-height: 1.05;
  letter-spacing: 0;
  font-weight: 950;
}

.hero h1 span {
  display: block;
  color: var(--color-black);
  text-shadow: 0 1px 0 rgba(255, 255, 255, 0.12);
}

.hero-subtext {
  width: min(100%, 560px);
  margin: 20px 0 26px;
  color: rgba(255, 255, 255, 0.94);
  font-size: 1.06rem;
}

.hero-actions,
.cta-inner,
.row-heading {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  min-height: 52px;
  border: 1px solid transparent;
  border-radius: var(--radius-small);
  padding: 0 24px;
  font-weight: 900;
  transition: transform 180ms ease, box-shadow 180ms ease, background-color 180ms ease, color 180ms ease;
}

.button svg,
.text-link svg,
.service-card a svg,
.calculator-card a svg {
  width: 20px;
  height: 20px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2.4;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.button-light {
  background: var(--color-white);
  color: var(--color-red-dark);
  box-shadow: 0 14px 30px rgba(0, 0, 0, 0.14);
}

.button-outline-light {
  border-color: rgba(255, 255, 255, 0.65);
  color: var(--color-white);
}

.button-dark {
  width: 100%;
  background: linear-gradient(135deg, #151515, #060606);
  color: var(--color-white);
}

.button:hover,
.button:focus-visible {
  transform: translateY(-2px);
  box-shadow: 0 16px 34px rgba(0, 0, 0, 0.2);
}

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

.scene-card {
  position: relative;
  border-radius: 28px;
  padding: 12px;
}

.finance-illustration {
  width: 100%;
  min-height: 292px;
  filter: drop-shadow(0 32px 40px rgba(61, 0, 4, 0.34));
}

.finance-illustration path,
.finance-illustration circle,
.finance-illustration ellipse,
.finance-illustration rect {
  vector-effect: non-scaling-stroke;
}

.base-shadow {
  fill: rgba(0, 0, 0, 0.26);
}

.base {
  fill: url("#baseGradient");
}

.base-red,
.bar-red,
.roof,
.car-body,
.shield-fill,
.fill-red {
  fill: url("#redGradient");
}

.document path:first-child,
.house-body,
.car-window,
.window {
  fill: #f8f8f8;
}

.document path:first-child {
  stroke: #ffffff;
  stroke-width: 2;
}

.thin-line,
.bar-axis,
.umbrella-pole {
  fill: none;
  stroke: #cfcfcf;
  stroke-width: 8;
  stroke-linecap: round;
}

.thin-line.muted {
  stroke: #dedede;
  stroke-width: 5;
}

.house-body,
.door,
.window {
  stroke: #d4d4d4;
  stroke-width: 4;
}

.door {
  fill: #ffffff;
}

.car circle {
  fill: #222;
  stroke: #555;
  stroke-width: 3;
}

.shield-fill {
  stroke: rgba(255, 255, 255, 0.94);
  stroke-width: 11;
}

.shield-inner {
  fill: rgba(255, 255, 255, 0.16);
}

.check {
  fill: none;
  stroke: #ffffff;
  stroke-width: 22;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.coins ellipse,
.coins path {
  fill: #f2f2f2;
  stroke: #d1d1d1;
  stroke-width: 3;
}

.coin-line {
  fill: none;
  stroke: #c9000b;
  stroke-width: 3;
  stroke-linecap: round;
}

.umbrella {
  fill: #fff0f0;
  stroke: #ffffff;
  stroke-width: 3;
}

.trust-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  margin-top: clamp(22px, 4vw, 38px);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 14px;
  min-width: 0;
  padding: 0 24px;
  border-right: 1px solid rgba(255, 255, 255, 0.28);
}

.trust-item:first-child {
  padding-left: 0;
}

.trust-item:last-child {
  border-right: 0;
  padding-right: 0;
}

.trust-item svg {
  flex: 0 0 34px;
  width: 34px;
  height: 34px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2.1;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.trust-item strong,
.trust-item span {
  display: block;
}

.trust-item strong {
  font-size: 0.92rem;
  font-weight: 900;
}

.trust-item span {
  margin-top: 2px;
  color: rgba(255, 255, 255, 0.84);
  font-size: 0.8rem;
}

.section {
  padding: clamp(56px, 7vw, 84px) 0;
}

.section-heading {
  margin-bottom: 24px;
}

.section-heading.spaced {
  margin-top: 36px;
}

.section-heading h2,
.tools-block h2,
.advantage-title-block h2,
.lead-panel h2,
.cta-strip h2 {
  margin: 0;
  color: var(--color-black);
  font-size: clamp(1.65rem, 3vw, 2.35rem);
  line-height: 1.12;
  letter-spacing: 0;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(8, minmax(0, 1fr));
  gap: 14px;
}

.service-card,
.calculator-card,
.blog-card {
  border: 1px solid var(--color-line);
  border-radius: var(--radius-small);
  background: var(--color-white);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.05);
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.service-card {
  display: grid;
  justify-items: center;
  text-align: center;
  min-height: 224px;
  padding: 28px 16px 20px;
}

.service-card:hover,
.calculator-card:hover,
.blog-card:hover {
  transform: translateY(-5px);
  border-color: rgba(201, 0, 11, 0.35);
  box-shadow: var(--shadow-soft);
}

.card-icon {
  width: 56px;
  height: 56px;
  fill: none;
  stroke: var(--color-red);
  stroke-width: 2.2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.card-icon.dark {
  stroke: var(--color-black);
}

.service-card h3,
.calculator-card h3,
.advantage-item h3,
.blog-content h3 {
  margin: 16px 0 8px;
  color: var(--color-black);
  font-size: 1rem;
  line-height: 1.18;
}

.service-card p,
.calculator-card p,
.advantage-item p {
  margin: 0;
  color: var(--color-muted);
  font-size: 0.88rem;
}

.service-card a {
  display: inline-flex;
  margin-top: auto;
  color: var(--color-red);
  padding-top: 16px;
}

.advantage-section {
  padding-top: 0;
}

.advantage-panel {
  display: grid;
  grid-template-columns: 0.72fr 1.8fr;
  gap: 28px;
  align-items: stretch;
  border-radius: var(--radius-medium);
  background:
    linear-gradient(135deg, rgba(201, 0, 11, 0.05), transparent 44%),
    var(--color-soft);
  padding: 32px;
}

.advantage-title-block h2::after {
  content: "";
  display: block;
  width: 72px;
  height: 3px;
  margin-top: 16px;
  background: var(--color-red);
}

.advantage-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.advantage-item {
  display: grid;
  grid-template-columns: auto 1fr;
  column-gap: 14px;
  align-content: start;
  border-left: 1px solid rgba(0, 0, 0, 0.09);
  padding-left: 18px;
}

.round-icon {
  display: grid;
  place-items: center;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: #fff0f0;
  color: var(--color-red);
}

.round-icon svg {
  width: 31px;
  height: 31px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.advantage-item h3 {
  margin-top: 0;
}

.advantage-item p {
  grid-column: 2;
}

.tools-consultation {
  padding-top: 12px;
}

.split-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 0.9fr);
  gap: 38px;
  align-items: start;
}

.calculator-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  margin-top: 24px;
}

.calculator-card {
  display: grid;
  justify-items: center;
  text-align: center;
  padding: 28px 18px 24px;
}

.calculator-card a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 18px;
  color: var(--color-red);
  font-size: 0.9rem;
  font-weight: 900;
}

.lead-panel {
  border-radius: var(--radius-medium);
  background:
    linear-gradient(150deg, rgba(255, 255, 255, 0.09), transparent 44%),
    linear-gradient(135deg, var(--color-red-bright), var(--color-red-dark));
  color: var(--color-white);
  padding: 30px;
  box-shadow: var(--shadow-red);
}

.lead-panel h2,
.lead-panel p {
  color: var(--color-white);
  text-align: center;
}

.lead-panel > p:not(.eyebrow) {
  margin: 8px 0 20px;
  color: rgba(255, 255, 255, 0.9);
}

.eyebrow.light {
  color: rgba(255, 255, 255, 0.78);
  text-align: center;
}

.lead-form {
  display: grid;
  gap: 12px;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.lead-form label {
  display: grid;
}

.lead-form label span {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
}

.lead-form input,
.lead-form select {
  width: 100%;
  min-height: 48px;
  border: 1px solid rgba(255, 255, 255, 0.34);
  border-radius: 6px;
  background: var(--color-white);
  color: var(--color-black);
  padding: 0 14px;
  outline: none;
  transition: border-color 180ms ease, box-shadow 180ms ease;
}

.lead-form input:focus,
.lead-form select:focus {
  border-color: var(--color-black);
  box-shadow: 0 0 0 3px rgba(0, 0, 0, 0.16);
}

.lead-form .full-width {
  grid-column: 1 / -1;
}

.privacy-note,
.form-message {
  margin: 0;
  font-size: 0.86rem;
}

.privacy-note {
  color: rgba(255, 255, 255, 0.84);
}

.form-message {
  display: none;
  border-radius: 6px;
  background: rgba(255, 255, 255, 0.14);
  padding: 10px 12px;
  color: var(--color-white);
  text-align: center;
}

.form-message.is-visible {
  display: block;
}

.blog-section {
  padding-top: 0;
}

.row-heading {
  justify-content: space-between;
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--color-red);
  font-weight: 900;
}

.blog-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 22px;
}

.blog-card {
  overflow: hidden;
}

.blog-art {
  position: relative;
  height: 132px;
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(201, 0, 11, 0.1), rgba(255, 255, 255, 0.86)),
    #f3f3f3;
}

.blog-art::before,
.blog-art::after {
  content: "";
  position: absolute;
  display: block;
}

.blog-art.family::before {
  left: 28px;
  bottom: 22px;
  width: 78px;
  height: 58px;
  border-radius: 38px 38px 8px 8px;
  background: var(--color-red);
  box-shadow: 58px 10px 0 -12px #111, 104px 8px 0 -14px var(--color-red-bright);
}

.blog-art.family::after {
  right: 38px;
  bottom: 24px;
  width: 66px;
  height: 76px;
  border: 5px solid var(--color-red);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.72);
  clip-path: polygon(0 0, 100% 0, 100% 72%, 50% 100%, 0 72%);
}

.blog-art.insurance::before {
  left: 72px;
  top: 24px;
  width: 118px;
  height: 58px;
  background: var(--color-red);
  border-radius: 100px 100px 8px 8px;
  clip-path: polygon(0 100%, 8% 46%, 26% 18%, 50% 0, 74% 18%, 92% 46%, 100% 100%);
}

.blog-art.insurance::after {
  left: 128px;
  top: 79px;
  width: 4px;
  height: 42px;
  background: var(--color-black);
  box-shadow: 0 42px 0 0 var(--color-black);
}

.blog-art.loan::before {
  left: 48px;
  bottom: 26px;
  width: 132px;
  height: 66px;
  background: var(--color-white);
  border: 3px solid #dedede;
  clip-path: polygon(0 100%, 0 34%, 50% 0, 100% 34%, 100% 100%);
}

.blog-art.loan::after {
  right: 42px;
  top: 34px;
  width: 62px;
  height: 62px;
  border-radius: 50%;
  background: var(--color-red);
  color: var(--color-white);
  content: "%";
  display: grid;
  place-items: center;
  font-size: 2rem;
  font-weight: 950;
}

.blog-art.property::before {
  left: 54px;
  bottom: 22px;
  width: 84px;
  height: 98px;
  border-radius: 6px;
  background: var(--color-red);
  transform: rotate(-8deg);
}

.blog-art.property::after {
  left: 116px;
  bottom: 16px;
  width: 112px;
  height: 106px;
  border-radius: 6px;
  background:
    linear-gradient(#111 0 10px, transparent 10px 100%),
    repeating-linear-gradient(#fff 0 8px, #e9e9e9 8px 11px);
  border: 3px solid var(--color-white);
  box-shadow: 18px 10px 0 -2px #111;
}

.blog-content {
  padding: 18px;
}

.blog-content h3 {
  margin: 0 0 10px;
  min-height: 48px;
  font-size: 1.04rem;
}

.blog-content p {
  margin: 0;
  color: var(--color-muted);
  font-size: 0.85rem;
}

.cta-strip {
  padding: 0 0 0;
}

.cta-inner {
  justify-content: space-between;
  border-radius: var(--radius-medium) var(--radius-medium) 0 0;
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.11), transparent 38%),
    linear-gradient(135deg, var(--color-red-bright), var(--color-red-dark));
  color: var(--color-white);
  padding: 28px 34px;
}

.cta-strip h2 {
  color: var(--color-white);
  font-size: clamp(1.35rem, 2vw, 1.85rem);
}

.cta-strip p {
  margin: 6px 0 0;
  color: rgba(255, 255, 255, 0.9);
}

.site-footer {
  background:
    radial-gradient(circle at 8% 0%, rgba(255, 255, 255, 0.1), transparent 28%),
    linear-gradient(135deg, #181818, #050505);
  color: rgba(255, 255, 255, 0.78);
  padding: 38px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr repeat(4, 1fr);
  gap: 30px;
}

.footer-logo .brand-mark svg {
  color: var(--color-white);
}

.footer-logo .brand-copy strong,
.footer-logo .brand-copy span {
  color: var(--color-white);
}

.footer-brand p {
  width: min(100%, 300px);
  margin: 14px 0 0;
}

.site-footer h2 {
  margin: 0 0 14px;
  color: var(--color-white);
  font-size: 1rem;
}

.site-footer ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.site-footer li + li {
  margin-top: 7px;
}

.site-footer a {
  transition: color 180ms ease;
}

.site-footer a:hover,
.site-footer a:focus-visible {
  color: var(--color-white);
}

.contact-list li {
  color: rgba(255, 255, 255, 0.76);
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  margin-top: 34px;
  padding: 18px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.13);
  color: rgba(255, 255, 255, 0.66);
  font-size: 0.88rem;
}

.footer-bottom p {
  margin: 0;
}

.section-intro {
  max-width: 640px;
  margin: 10px 0 0;
  color: var(--color-muted);
}

.faq-section {
  padding-top: 0;
}

.faq-layout {
  display: grid;
  grid-template-columns: minmax(260px, 0.72fr) minmax(0, 1.28fr);
  gap: 34px;
  align-items: start;
}

.faq-layout h2 {
  margin: 0;
  color: var(--color-black);
  font-size: clamp(1.65rem, 3vw, 2.35rem);
  line-height: 1.12;
}

.faq-accordion {
  display: grid;
  gap: 12px;
}

.faq-item {
  border: 1px solid var(--color-line);
  border-radius: var(--radius-small);
  background: var(--color-white);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.04);
  overflow: hidden;
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  width: 100%;
  border: 0;
  background: var(--color-white);
  color: var(--color-black);
  padding: 18px 20px;
  text-align: left;
  font-weight: 900;
}

.faq-question span {
  position: relative;
  flex: 0 0 20px;
  width: 20px;
  height: 20px;
}

.faq-question span::before,
.faq-question span::after {
  content: "";
  position: absolute;
  left: 50%;
  top: 50%;
  width: 14px;
  height: 2px;
  background: var(--color-red);
  transform: translate(-50%, -50%);
  transition: transform 180ms ease;
}

.faq-question span::after {
  transform: translate(-50%, -50%) rotate(90deg);
}

.faq-item.is-open .faq-question span::after {
  transform: translate(-50%, -50%) rotate(0deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 240ms ease;
}

.faq-answer p {
  margin: 0;
  padding: 0 20px 18px;
  color: var(--color-muted);
}

.faq-item.is-open .faq-answer {
  max-height: 240px;
}

.whatsapp-float {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 90;
  display: grid;
  place-items: center;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: #0a0a0a;
  color: var(--color-white);
  font-size: 0.88rem;
  font-weight: 950;
  box-shadow: 0 18px 36px rgba(0, 0, 0, 0.24);
}

.whatsapp-float::before,
.whatsapp-float::after {
  content: "";
  position: absolute;
  inset: -7px;
  border-radius: inherit;
  border: 1px solid rgba(201, 0, 11, 0.48);
  animation: whatsappPulse 1.9s ease-out infinite;
}

.whatsapp-float::after {
  animation-delay: 0.8s;
}

@keyframes whatsappPulse {
  0% {
    opacity: 0.75;
    transform: scale(0.86);
  }
  100% {
    opacity: 0;
    transform: scale(1.34);
  }
}

.inner-main {
  background: var(--color-white);
}

.inner-hero {
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(255, 255, 255, 0.06) 0 18%, transparent 18% 100%),
    linear-gradient(135deg, var(--color-red), var(--color-red-dark));
  color: var(--color-white);
  padding: clamp(54px, 7vw, 88px) 0;
}

.inner-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(300px, 0.72fr);
  gap: clamp(28px, 5vw, 60px);
  align-items: center;
}

.breadcrumb {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 18px;
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.88rem;
  font-weight: 800;
}

.breadcrumb a {
  color: var(--color-white);
}

.inner-hero h1 {
  margin: 0;
  font-size: clamp(2.35rem, 5vw, 4.3rem);
  line-height: 1.03;
  color: var(--color-white);
}

.inner-hero p {
  max-width: 690px;
  margin: 18px 0 0;
  color: rgba(255, 255, 255, 0.9);
  font-size: 1.08rem;
}

.hero-summary-card {
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius-medium);
  background: rgba(255, 255, 255, 0.1);
  padding: 28px;
  box-shadow: var(--shadow-red);
}

.hero-summary-card h2 {
  margin: 0 0 14px;
  color: var(--color-white);
  font-size: 1.22rem;
}

.hero-summary-card ul,
.check-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.hero-summary-card li,
.check-list li {
  position: relative;
  padding-left: 24px;
}

.hero-summary-card li + li,
.check-list li + li {
  margin-top: 10px;
}

.hero-summary-card li::before,
.check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--color-red);
}

.hero-summary-card li::before {
  background: var(--color-white);
}

.page-split {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(320px, 0.68fr);
  gap: 36px;
  align-items: start;
}

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

.content-card,
.article-card,
.sidebar-card,
.emi-card {
  border: 1px solid var(--color-line);
  border-radius: var(--radius-small);
  background: var(--color-white);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.05);
}

.content-card {
  padding: 24px;
}

.content-card h3,
.sidebar-card h3,
.emi-card h3 {
  margin: 0 0 10px;
  color: var(--color-black);
  font-size: 1.08rem;
}

.content-card p,
.content-card li,
.sidebar-card p,
.sidebar-card li {
  color: var(--color-muted);
}

.why-panel {
  border-radius: var(--radius-medium);
  background: var(--color-soft);
  padding: clamp(26px, 4vw, 36px);
}

.service-form-section {
  padding-top: 0;
}

.lead-panel.compact {
  box-shadow: none;
}

.blog-hero {
  background:
    radial-gradient(circle at 80% 20%, rgba(255, 255, 255, 0.12), transparent 30%),
    linear-gradient(135deg, var(--color-red), var(--color-red-dark));
  color: var(--color-white);
  padding: clamp(52px, 7vw, 82px) 0;
}

.blog-hero h1 {
  margin: 0;
  font-size: clamp(2.25rem, 5vw, 4rem);
  line-height: 1.05;
}

.blog-hero p {
  max-width: 680px;
  margin: 16px 0 0;
  color: rgba(255, 255, 255, 0.9);
}

.blog-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 30px;
  align-items: start;
}

.blog-toolbar {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 16px;
  align-items: center;
  margin-bottom: 24px;
}

.search-box input {
  width: 100%;
  min-height: 48px;
  border: 1px solid var(--color-line);
  border-radius: var(--radius-small);
  padding: 0 16px;
  outline: none;
}

.category-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.category-pills a,
.category-list a {
  border-radius: 999px;
  background: #fff0f0;
  color: var(--color-red);
  padding: 9px 14px;
  font-weight: 900;
  font-size: 0.88rem;
}

.article-card {
  overflow: hidden;
  transition: transform 180ms ease, box-shadow 180ms ease;
}

.article-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-soft);
}

.article-thumb {
  height: 150px;
  background:
    linear-gradient(135deg, rgba(201, 0, 11, 0.16), rgba(255, 255, 255, 0.88)),
    var(--color-soft);
}

.article-card-content {
  padding: 18px;
}

.article-card h2,
.article-card h3 {
  margin: 0 0 10px;
  color: var(--color-black);
  line-height: 1.22;
}

.article-card p {
  margin: 0;
  color: var(--color-muted);
}

.blog-sidebar {
  display: grid;
  gap: 16px;
}

.sidebar-card {
  padding: 20px;
}

.category-list {
  display: grid;
  gap: 10px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.single-article {
  max-width: 860px;
}

.single-article h2 {
  margin-top: 34px;
  color: var(--color-black);
}

.single-article p,
.single-article li {
  color: var(--color-muted);
}

.calculator-shell {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(300px, 0.72fr);
  gap: 28px;
  align-items: start;
}

.emi-form {
  display: grid;
  gap: 16px;
}

.emi-form label {
  display: grid;
  gap: 8px;
  color: var(--color-black);
  font-weight: 900;
}

.emi-form input {
  min-height: 50px;
  border: 1px solid var(--color-line);
  border-radius: var(--radius-small);
  padding: 0 14px;
  outline: none;
}

.emi-form input:focus,
.search-box input:focus {
  border-color: var(--color-red);
  box-shadow: 0 0 0 3px rgba(201, 0, 11, 0.12);
}

.result-list {
  display: grid;
  gap: 14px;
}

.result-row {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  border-bottom: 1px solid var(--color-line);
  padding-bottom: 14px;
}

.result-row strong {
  color: var(--color-black);
}

.result-row span {
  color: var(--color-red);
  font-weight: 950;
}

.mini-note {
  margin: 14px 0 0;
  color: var(--color-muted);
  font-size: 0.9rem;
}

@media (max-width: 1180px) {
  .header-inner {
    gap: 16px;
  }

  .primary-nav ul {
    gap: 16px;
  }

  .primary-nav a {
    font-size: 0.84rem;
  }

  .nav-dropdown-toggle {
    font-size: 0.84rem;
  }

  .header-cta {
    min-width: 150px;
    padding-inline: 14px;
  }

  .service-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .advantage-panel {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1.4fr repeat(2, 1fr);
  }

  .benefits-grid,
  .article-grid,
  .latest-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 960px) {
  :root {
    --header-height: 76px;
  }

  .container {
    width: min(100% - 30px, var(--container));
  }

  .menu-toggle {
    display: block;
    margin-left: auto;
  }

  .primary-nav {
    position: fixed;
    top: var(--header-height);
    left: 0;
    right: 0;
    display: grid;
    background: var(--color-white);
    border-bottom: 1px solid var(--color-line);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.08);
    opacity: 0;
    pointer-events: none;
    transform: translateY(-10px);
    transition: opacity 180ms ease, transform 180ms ease;
  }

  .nav-open .primary-nav {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
  }

  .primary-nav ul {
    width: min(100% - 30px, var(--container));
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0;
    padding: 12px 0;
  }

  .primary-nav a {
    min-height: 48px;
  }

  .nav-dropdown-toggle {
    justify-content: space-between;
    width: 100%;
    min-height: 48px;
    font-size: 0.84rem;
  }

  .nav-dropdown-toggle::after {
    display: none;
  }

  .mega-dropdown {
    position: static;
    min-width: 100%;
    max-height: 0;
    border: 0;
    box-shadow: none;
    background: #fff7f7;
    padding: 0;
    opacity: 1;
    pointer-events: auto;
    transform: none;
    overflow: hidden;
    transition: max-height 220ms ease;
  }

  .mega-dropdown::before {
    display: none;
  }

  .has-dropdown:hover > .mega-dropdown,
  .has-dropdown:focus-within > .mega-dropdown,
  .has-dropdown.is-open > .mega-dropdown {
    max-height: 260px;
    transform: none;
  }

  .mega-dropdown a {
    min-height: 42px;
    padding-left: 14px;
  }

  .header-cta {
    display: none;
  }

  .hero-grid,
  .split-layout {
    grid-template-columns: 1fr;
  }

  .hero-content {
    max-width: 100%;
  }

  .hero h1 {
    max-width: 760px;
  }

  .hero-visual {
    max-width: 660px;
    margin: 0 auto;
  }

  .trust-strip {
    grid-template-columns: repeat(2, 1fr);
    gap: 22px;
  }

  .trust-item,
  .trust-item:first-child,
  .trust-item:last-child {
    border-right: 0;
    padding: 0;
  }

  .advantage-grid,
  .calculator-grid,
  .blog-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

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

  .faq-layout,
  .inner-hero-grid,
  .page-split,
  .blog-layout,
  .calculator-shell {
    grid-template-columns: 1fr;
  }

  .blog-toolbar {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 680px) {
  body {
    font-size: 0.96rem;
  }

  .brand-mark {
    width: 46px;
  }

  .brand-mark svg {
    width: 46px;
  }

  .brand-copy strong {
    font-size: 1.18rem;
  }

  .brand-copy span {
    font-size: 0.75rem;
  }

  .hero {
    padding-top: 38px;
  }

  .hero h1 {
    font-size: clamp(2.15rem, 10.6vw, 2.75rem);
  }

  .hero-actions {
    align-items: stretch;
  }

  .hero-actions .button,
  .cta-inner .button {
    width: 100%;
  }

  .finance-illustration {
    min-height: 240px;
  }

  .trust-strip,
  .service-grid,
  .advantage-grid,
  .calculator-grid,
  .blog-grid,
  .form-grid,
  .footer-grid,
  .benefits-grid,
  .article-grid,
  .latest-grid {
    grid-template-columns: 1fr;
  }

  .service-card {
    min-height: auto;
    padding: 24px 20px;
  }

  .advantage-panel,
  .lead-panel,
  .cta-inner {
    padding: 24px 20px;
  }

  .advantage-item {
    border-left: 0;
    padding-left: 0;
  }

  .lead-form .full-width {
    grid-column: auto;
  }

  .row-heading {
    align-items: flex-start;
  }

  .footer-bottom {
    display: grid;
  }

  .inner-hero h1,
  .blog-hero h1 {
    font-size: clamp(2.05rem, 10vw, 2.8rem);
  }

  .hero-summary-card,
  .content-card,
  .sidebar-card,
  .emi-card {
    padding: 20px;
  }

  .whatsapp-float {
    right: 16px;
    bottom: 16px;
    width: 52px;
    height: 52px;
  }
}

@media (max-width: 430px) {
  .container {
    width: calc(100% - 24px);
  }

  .primary-nav ul {
    width: calc(100% - 24px);
    grid-template-columns: 1fr;
  }

  .button {
    padding-inline: 18px;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}