/* ============================================================
   SNEL KREDIT — Neo-Bank Design (Revolut / N26 inspired)
   ============================================================ */

/* === VARIABLES === */
:root {
    /* Brand */
    --primary:      #f43f00;
    --primary-h:    #ff5c1a;
    --primary-dim:  rgba(244,63,0,.12);

    /* Dark palette */
    --dark:         #050508;
    --dark-2:       #0a0b10;
    --dark-card:    #0f1017;
    --dark-border:  rgba(255,255,255,.07);
    --dark-muted:   #8b8fa8;

    /* Light palette */
    --light:        #ffffff;
    --light-alt:    #f6f7fb;
    --light-border: #e8eaef;
    --light-muted:  #6b7280;

    /* Shadows */
    --shadow-card:  0 1px 2px rgba(0,0,0,.06), 0 4px 16px rgba(0,0,0,.08);
    --shadow-lg:    0 8px 40px rgba(0,0,0,.18);
    --glow:         0 0 40px rgba(244,63,0,.25);

    /* Transitions */
    --ease:         cubic-bezier(.4,0,.2,1);
    --t:            all .3s var(--ease);
    --t-slow:       all .55s var(--ease);

    /* Radii */
    --r:            14px;
    --r-lg:         22px;
    --r-pill:       100px;
}

/* === RESET === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

html, body {
    font-family: 'Inter', 'Open Sans', -apple-system, BlinkMacSystemFont, sans-serif;
    -webkit-font-smoothing: antialiased;
    background: var(--light);
    color: var(--dark);
}

h1, h2, h3, h4, h5, h6 {
    line-height: 1.1;
    font-weight: 700;
    letter-spacing: -.03em;
}

p { line-height: 1.8; color: var(--light-muted); font-size: 16px; }
img { max-width: 100%; display: block; }
a { text-decoration: none; transition: var(--t); color: inherit; }
ul, ol { padding: 0; margin: 0; list-style: none; }
input:focus, select:focus, button:focus, textarea:focus { outline: none; }

/* === HELPERS === */
.spad     { padding-top: 120px; padding-bottom: 120px; }
.spad-sm  { padding-top: 80px;  padding-bottom: 80px;  }
.set-bg   { background-size: cover; background-position: center; background-repeat: no-repeat; }
.text-white * { color: #fff !important; }

/* === SCROLL REVEAL === */
.reveal {
    opacity: 0;
    transform: translateY(36px);
    transition: opacity .7s var(--ease), transform .7s var(--ease);
}
.reveal.reveal-left  { transform: translateX(-36px); }
.reveal.reveal-right { transform: translateX(36px); }
.reveal.reveal-scale { transform: scale(.9) translateY(20px); }
.reveal.active { opacity: 1; transform: translate(0,0) scale(1); }
.reveal-delay-1 { transition-delay: .10s; }
.reveal-delay-2 { transition-delay: .20s; }
.reveal-delay-3 { transition-delay: .30s; }
.reveal-delay-4 { transition-delay: .42s; }
.reveal-delay-5 { transition-delay: .54s; }

/* === PRELOADER === */
#preloder {
    position: fixed; inset: 0; z-index: 999999;
    background: var(--dark);
    display: flex; align-items: center; justify-content: center;
}
.loader {
    width: 42px; height: 42px;
    border: 2.5px solid rgba(244,63,0,.15);
    border-top-color: var(--primary);
    border-radius: 50%;
    animation: spin .75s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ============================================================
   HEADER
   ============================================================ */
.header-section {
    position: fixed; top: 0; left: 0; width: 100%;
    z-index: 999;
    padding: 0 48px;
    display: flex; align-items: center; justify-content: space-between;
    transition: var(--t);
    height: 72px;
    background: rgba(5,5,8,.55);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border-bottom: 1px solid rgba(255,255,255,.04);
}

.header-section.scrolled {
    background: rgba(5,5,8,.96);
    box-shadow: 0 1px 0 rgba(255,255,255,.05), 0 4px 24px rgba(0,0,0,.35);
}

/* Logo */
.site-logo {
    font-size: 1.35rem;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: #fff;
    display: flex; align-items: center; gap: 2px;
    flex-shrink: 0;
}
.site-logo .highlight {
    color: var(--primary);
    text-shadow: 0 0 20px rgba(244,63,0,.5);
}

/* Nav */
.header-nav { margin-left: auto; }
.main-menu { display: flex; align-items: center; gap: 8px; }
.main-menu li { display: inline-block; }
.main-menu li a {
    display: block;
    font-size: 13.5px;
    color: rgba(255,255,255,.7);
    font-weight: 500;
    padding: 8px 14px;
    border-radius: var(--r-pill);
    transition: var(--t);
    letter-spacing: .01em;
}
.main-menu li a:hover,
.main-menu li a.active {
    color: #fff;
    background: rgba(255,255,255,.08);
}

/* Apply button in nav */
.main-menu li.nav-cta a {
    background: var(--primary);
    color: #fff;
    font-weight: 600;
    padding: 8px 20px;
    box-shadow: 0 4px 16px rgba(244,63,0,.3);
}
.main-menu li.nav-cta a:hover {
    background: var(--primary-h);
    box-shadow: 0 6px 24px rgba(244,63,0,.45);
}

/* Sub-menu */
.main-menu li:hover > .sub-menu { visibility: visible; opacity: 1; top: calc(100% + 8px); }
.main-menu .sub-menu {
    position: absolute; width: 210px;
    top: calc(100% + 20px); left: 0;
    background: rgba(12,12,18,.98);
    border: 1px solid var(--dark-border);
    border-radius: var(--r);
    padding: 8px;
    visibility: hidden; opacity: 0;
    transition: var(--t);
    box-shadow: var(--shadow-lg);
}
.main-menu .sub-menu li { display: block; }
.main-menu .sub-menu li a {
    border-radius: 10px;
    color: rgba(255,255,255,.65);
    padding: 9px 12px;
    font-size: 13px;
}
.main-menu .sub-menu li a:hover { color: #fff; }

/* Slicknav (mobile) */
.slicknav_menu { display: none; }
.slicknav_nav a { color: rgba(255,255,255,.75); font-size: 14px; }
.slicknav_nav a:hover { color: var(--primary); background: transparent; }
.slicknav_btn { background: var(--primary); border-radius: 8px; padding: 8px 10px; }
.slicknav_icon-bar { background: #fff; }

/* ============================================================
   BUTTONS
   ============================================================ */
.site-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-size: 14px;
    font-weight: 600;
    letter-spacing: .02em;
    padding: 15px 32px;
    border-radius: var(--r-pill);
    background: var(--primary);
    color: #fff;
    border: none;
    cursor: pointer;
    min-width: 160px;
    transition: var(--t);
    position: relative;
    overflow: hidden;
    box-shadow: 0 4px 20px rgba(244,63,0,.3);
}
.site-btn::before {
    content: '';
    position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(255,255,255,.12) 0%, transparent 60%);
    opacity: 0;
    transition: opacity .3s;
}
.site-btn:hover {
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 8px 32px rgba(244,63,0,.5);
}
.site-btn:hover::before { opacity: 1; }

.site-btn.sb-dark {
    background: rgba(255,255,255,.1);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255,255,255,.2);
    box-shadow: none;
    color: #fff;
}
.site-btn.sb-dark:hover {
    background: rgba(255,255,255,.18);
    box-shadow: none;
}

.site-btn.sb-outline {
    background: transparent;
    border: 1.5px solid var(--primary);
    color: var(--primary);
    box-shadow: none;
}
.site-btn.sb-outline:hover {
    background: var(--primary);
    color: #fff;
    box-shadow: 0 6px 24px rgba(244,63,0,.3);
}

.site-btn.sb-big { padding: 18px 42px; font-size: 15px; }

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero-section {
    position: relative;
    background: var(--dark);
    min-height: 100vh;
    display: flex;
    align-items: center;
    overflow: hidden;
}

/* Gradient mesh background */
.hero-section .hero-bg {
    position: absolute; inset: 0;
    background:
        radial-gradient(ellipse 80% 60% at 60% 40%, rgba(244,63,0,.13) 0%, transparent 60%),
        radial-gradient(ellipse 50% 50% at 20% 80%, rgba(244,63,0,.06) 0%, transparent 55%),
        radial-gradient(ellipse 100% 100% at 50% 50%, #0a0b10 0%, #050508 100%);
    pointer-events: none;
}

/* Grid lines like Revolut */
.hero-section .hero-grid {
    position: absolute; inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.025) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.025) 1px, transparent 1px);
    background-size: 80px 80px;
    pointer-events: none;
    mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 0%, transparent 100%);
}

.hero-section .container {
    position: relative; z-index: 5;
    padding-top: 72px;
    padding-bottom: 40px;
}

/* Hero label badge */
.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(244,63,0,.1);
    border: 1px solid rgba(244,63,0,.25);
    border-radius: var(--r-pill);
    padding: 6px 16px;
    font-size: 12px;
    font-weight: 600;
    color: var(--primary);
    letter-spacing: .08em;
    text-transform: uppercase;
    margin-bottom: 28px;
    animation: heroFade .8s var(--ease) both;
}
.hero-badge .dot {
    width: 6px; height: 6px;
    background: var(--primary);
    border-radius: 50%;
    animation: blink 2s ease-in-out infinite;
}
@keyframes blink { 0%,100%{opacity:1} 50%{opacity:.3} }

/* Hero text */
.hs-text { max-width: 640px; }

.hs-text h2 {
    font-size: 78px;
    font-weight: 800;
    color: #fff;
    line-height: 1.0;
    letter-spacing: -.04em;
    margin-bottom: 24px;
    animation: heroFade .9s var(--ease) .1s both;
}

.hs-text h2 .accent { color: var(--primary); }

.hs-text p {
    font-size: 18px;
    color: rgba(255,255,255,.62);
    line-height: 1.7;
    margin-bottom: 40px;
    max-width: 480px;
    animation: heroFade .9s var(--ease) .22s both;
    font-weight: 400;
}

.hero-cta {
    display: flex;
    align-items: center;
    gap: 14px;
    flex-wrap: wrap;
    animation: heroFade .9s var(--ease) .34s both;
}

.hero-link {
    color: rgba(255,255,255,.55);
    font-size: 14px;
    font-weight: 500;
    display: flex;
    align-items: center;
    gap: 6px;
    transition: var(--t);
    padding: 4px 0;
    border-bottom: 1px solid rgba(255,255,255,.15);
}
.hero-link:hover { color: rgba(255,255,255,.85); border-bottom-color: rgba(255,255,255,.4); }

/* Hero visual — floating card (right side) */
.hero-visual {
    position: relative;
    animation: heroFade .9s var(--ease) .2s both;
}

.hero-card {
    background: rgba(255,255,255,.04);
    border: 1px solid rgba(255,255,255,.08);
    border-radius: var(--r-lg);
    padding: 28px 32px;
    backdrop-filter: blur(20px);
    box-shadow: 0 8px 40px rgba(0,0,0,.4);
}

.hero-card .card-label {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: rgba(255,255,255,.4);
    margin-bottom: 20px;
}

.hero-card .card-amount {
    font-size: 48px;
    font-weight: 800;
    color: #fff;
    letter-spacing: -.03em;
    line-height: 1;
    margin-bottom: 6px;
}

.hero-card .card-rate {
    font-size: 13px;
    color: var(--primary);
    font-weight: 600;
    display: flex; align-items: center; gap: 6px;
    margin-bottom: 28px;
}

.hero-card .card-rate::before {
    content: '';
    width: 8px; height: 8px;
    background: var(--primary);
    border-radius: 50%;
    display: inline-block;
}

.hero-card .card-bar {
    height: 4px;
    background: rgba(255,255,255,.08);
    border-radius: var(--r-pill);
    margin-bottom: 12px;
    overflow: hidden;
}
.hero-card .card-bar-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--primary), #ff8c60);
    border-radius: var(--r-pill);
    width: 65%;
    animation: fillBar 1.4s var(--ease) 1s both;
}
@keyframes fillBar { from{width:0} to{width:65%} }

.hero-card .card-stats {
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 14px; margin-top: 24px;
}
.hero-card .cs-item { }
.hero-card .cs-val {
    font-size: 20px; font-weight: 700; color: #fff;
    letter-spacing: -.02em;
}
.hero-card .cs-lbl {
    font-size: 11px; color: rgba(255,255,255,.38);
    font-weight: 500; margin-top: 2px;
}

/* Floating badge */
.hero-float {
    position: absolute;
    background: rgba(15,16,23,.9);
    border: 1px solid rgba(255,255,255,.08);
    border-radius: 14px;
    padding: 14px 18px;
    backdrop-filter: blur(20px);
    display: flex; align-items: center; gap: 12px;
    animation: floatY 6s ease-in-out infinite;
}
.hero-float.hf-top  { top: -20px; right: -30px; }
.hero-float.hf-bot  { bottom: 20px; left: -40px; animation-delay: -3s; }
.hero-float .hf-icon {
    width: 36px; height: 36px;
    background: rgba(244,63,0,.12);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    color: var(--primary);
    font-size: 16px;
    flex-shrink: 0;
}
.hero-float .hf-text .hf-val { font-size: 13px; font-weight: 700; color: #fff; }
.hero-float .hf-text .hf-sub { font-size: 11px; color: rgba(255,255,255,.38); }

@keyframes floatY {
    0%,100%{transform:translateY(0)}
    50%{transform:translateY(-10px)}
}

@keyframes heroFade {
    from{opacity:0;transform:translateY(22px)}
    to{opacity:1;transform:translateY(0)}
}

/* Owl carousel (hero slider - hidden behind bg) */
.hero-slider { position:absolute;inset:0;z-index:1;opacity:.18; }
.hero-slider::after { content:'';position:absolute;inset:0;background:var(--dark);opacity:.8;z-index:1; }
.hero-slider .owl-stage-outer,
.hero-slider .owl-stage,
.hero-slider .owl-item,
.hero-slider .hs-item { height:100%; }
.hero-slider .owl-dots { display:none; }

/* ============================================================
   STATS BAR
   ============================================================ */
.stats-section {
    background: var(--dark-card);
    border-top: 1px solid var(--dark-border);
    border-bottom: 1px solid var(--dark-border);
    padding: 48px 0;
    position: relative;
    overflow: hidden;
}

.stats-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse 60% 200% at 50% 50%, rgba(244,63,0,.04) 0%, transparent 70%);
    pointer-events: none;
}

.stat-card {
    text-align: center;
    padding: 12px 20px;
    position: relative;
}

.stat-card .stat-icon {
    font-size: 22px;
    color: var(--primary);
    margin-bottom: 10px;
    opacity: .8;
}

.stat-card .stat-number {
    font-size: 46px;
    font-weight: 800;
    color: #fff;
    letter-spacing: -.04em;
    line-height: 1;
    margin-bottom: 6px;
}

.stat-card .stat-number .accent { color: var(--primary); }

.stat-card .stat-label {
    font-size: 12.5px;
    color: var(--dark-muted);
    font-weight: 500;
    letter-spacing: .01em;
    line-height: 1.4;
}

/* dividers */
.stat-card + .stat-card::before {
    content: '';
    position: absolute;
    left: 0; top: 10%;
    height: 80%; width: 1px;
    background: var(--dark-border);
}

/* ============================================================
   WHY SECTION (Features)
   ============================================================ */
.why-section { background: var(--light-alt); }

.why-section .section-header { text-align: center; margin-bottom: 64px; }
.why-section .section-label {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--primary);
    margin-bottom: 14px;
}
.why-section .section-header h2 {
    font-size: 50px;
    letter-spacing: -.035em;
    color: var(--dark);
}
.why-section .section-header p {
    max-width: 480px;
    margin: 16px auto 0;
    font-size: 16px;
    color: var(--light-muted);
}

/* Feature cards */
.icon-box-item {
    background: var(--light);
    border-radius: var(--r-lg);
    padding: 36px 30px;
    margin-bottom: 24px;
    border: 1px solid var(--light-border);
    transition: var(--t-slow);
    position: relative;
    overflow: hidden;
    cursor: default;
}

.icon-box-item::after {
    content: '';
    position: absolute;
    bottom: -60px; right: -60px;
    width: 160px; height: 160px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(244,63,0,.06) 0%, transparent 70%);
    transition: var(--t-slow);
}

.icon-box-item:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 50px rgba(0,0,0,.1);
    border-color: rgba(244,63,0,.2);
}
.icon-box-item:hover::after {
    width: 260px; height: 260px;
    bottom: -80px; right: -80px;
}

.icon-box-item .ib-icon {
    width: 54px; height: 54px;
    display: flex; align-items: center; justify-content: center;
    font-size: 24px;
    color: var(--primary);
    background: var(--primary-dim);
    border-radius: 16px;
    float: none;
    margin-bottom: 22px;
    transition: var(--t);
    border: none;
}

.icon-box-item:hover .ib-icon {
    background: var(--primary);
    color: #fff;
    transform: scale(1.08);
    border-radius: 18px;
}

.icon-box-item .ib-text { overflow: visible; padding-top: 0; }
.icon-box-item .ib-text h5 {
    font-size: 17px;
    margin-bottom: 10px;
    letter-spacing: -.02em;
    color: var(--dark);
}
.icon-box-item .ib-text p { font-size: 14px; line-height: 1.7; }

/* ============================================================
   HOW IT WORKS (Steps)
   ============================================================ */
.steps-section {
    background: var(--dark);
    position: relative;
    overflow: hidden;
}

.steps-section::before {
    content: '';
    position: absolute; inset: 0;
    background:
        radial-gradient(ellipse 60% 80% at 10% 50%, rgba(244,63,0,.07) 0%, transparent 60%),
        radial-gradient(ellipse 50% 60% at 90% 50%, rgba(244,63,0,.05) 0%, transparent 60%);
    pointer-events: none;
}

.steps-section .section-header { text-align: center; margin-bottom: 64px; }
.steps-section .section-label {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--primary);
    margin-bottom: 14px;
}
.steps-section .section-header h2 {
    font-size: 50px;
    color: #fff;
    letter-spacing: -.035em;
}
.steps-section .section-header p {
    font-size: 16px;
    color: rgba(255,255,255,.45);
    max-width: 440px;
    margin: 14px auto 0;
}

.step-card {
    position: relative;
    padding: 32px;
    background: rgba(255,255,255,.03);
    border: 1px solid var(--dark-border);
    border-radius: var(--r-lg);
    transition: var(--t-slow);
    height: 100%;
}

.step-card:hover {
    background: rgba(255,255,255,.055);
    border-color: rgba(244,63,0,.22);
    transform: translateY(-6px);
}

.step-number {
    font-size: 13px;
    font-weight: 700;
    letter-spacing: .06em;
    color: var(--primary);
    margin-bottom: 20px;
    display: flex; align-items: center; gap: 10px;
}
.step-number::after {
    content: '';
    flex: 1;
    height: 1px;
    background: rgba(244,63,0,.2);
}

.step-card h4 {
    font-size: 20px;
    color: #fff;
    margin-bottom: 12px;
    letter-spacing: -.02em;
}

.step-card p { font-size: 14px; color: rgba(255,255,255,.45); line-height: 1.7; }

/* ============================================================
   CTA SECTION
   ============================================================ */
.cta-section {
    background: var(--dark-2);
    padding: 100px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    width: 800px; height: 800px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(244,63,0,.09) 0%, transparent 65%);
    top: 50%; left: 50%; transform: translate(-50%,-50%);
    pointer-events: none;
}

.cta-section::after {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23ffffff' fill-opacity='0.015'%3E%3Ccircle cx='30' cy='30' r='3'/%3E%3C/g%3E%3C/svg%3E");
    pointer-events: none;
}

.cta-section .container { position: relative; z-index: 1; }

.cta-section h2 {
    font-size: 58px;
    color: #fff;
    letter-spacing: -.04em;
    margin-bottom: 16px;
}
.cta-section h2 strong { color: var(--primary); font-weight: 800; }

.cta-section h5 {
    font-size: 17px;
    color: rgba(255,255,255,.48);
    font-weight: 400;
    margin-bottom: 44px;
    letter-spacing: -.01em;
}

@keyframes pulseCta {
    0%  { box-shadow: 0 4px 20px rgba(244,63,0,.3), 0 0 0 0 rgba(244,63,0,.5); }
    70% { box-shadow: 0 4px 20px rgba(244,63,0,.3), 0 0 0 18px rgba(244,63,0,0); }
    100%{ box-shadow: 0 4px 20px rgba(244,63,0,.3), 0 0 0 0 rgba(244,63,0,0); }
}
.cta-section .site-btn { animation: pulseCta 2.2s infinite; }

/* ============================================================
   FEATURE SECTION
   ============================================================ */
.feature-section { background: var(--light); }

.feature-item { margin-bottom: 90px; }
.feature-item:last-child { margin-bottom: 0; }

.feature-item .fi-tag {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
    color: var(--primary);
    margin-bottom: 14px;
}

.feature-item img {
    width: 100%;
    border-radius: var(--r-lg);
    box-shadow: 0 12px 50px rgba(0,0,0,.14);
    transition: transform .6s var(--ease);
}
.feature-item:hover img { transform: scale(1.02) translateY(-4px); }

.feature-text { padding-top: 20px; }
.feature-text h2 {
    font-size: 38px;
    letter-spacing: -.03em;
    color: var(--dark);
    margin-bottom: 18px;
    line-height: 1.15;
}
.feature-text p { margin-bottom: 24px; font-size: 15px; }

.readmore {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    font-weight: 600;
    color: var(--primary);
    letter-spacing: .01em;
    transition: var(--t);
    border-bottom: 1px solid rgba(244,63,0,.25);
    padding-bottom: 2px;
}
.readmore:hover { gap: 14px; border-bottom-color: var(--primary); }
.readmore img { width: 16px; }

/* ============================================================
   HELP SECTION
   ============================================================ */
.help-section {
    background: var(--dark);
    position: relative;
    overflow: hidden;
}

.help-section::before {
    content: '';
    position: absolute; inset: 0;
    background:
        radial-gradient(ellipse 60% 70% at 90% 30%, rgba(244,63,0,.08) 0%, transparent 60%),
        radial-gradient(ellipse 40% 50% at 0% 80%, rgba(244,63,0,.05) 0%, transparent 55%);
    pointer-events: none;
}

.help-section .container { position: relative; z-index: 1; }

.help-section .section-header { text-align: center; margin-bottom: 56px; }
.help-section .section-label {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--primary);
    margin-bottom: 14px;
}
.help-section .section-header h2 {
    font-size: 50px;
    color: #fff;
    letter-spacing: -.035em;
}
.help-section .section-header p {
    font-size: 16px;
    color: rgba(255,255,255,.42);
    max-width: 520px;
    margin: 16px auto 0;
}

.help-list { list-style: none; }

.help-list li {
    padding: 14px 16px 14px 48px;
    margin-bottom: 8px;
    font-size: 14px;
    font-weight: 500;
    color: rgba(255,255,255,.75);
    position: relative;
    background: rgba(255,255,255,.03);
    border-radius: 10px;
    border: 1px solid rgba(255,255,255,.05);
    transition: var(--t);
    letter-spacing: .005em;
}
.help-list li:hover {
    background: rgba(244,63,0,.07);
    border-color: rgba(244,63,0,.18);
    color: rgba(255,255,255,.92);
    transform: translateX(6px);
}

.help-list li::before {
    content: '✓';
    position: absolute;
    left: 14px; top: 50%;
    transform: translateY(-50%);
    width: 22px; height: 22px;
    background: var(--primary);
    border-radius: 6px;
    color: #fff;
    font-size: 11px;
    font-weight: 700;
    display: flex; align-items: center; justify-content: center;
    text-align: center;
    line-height: 22px;
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer-section {
    background: var(--dark-2);
    padding: 72px 0 0;
    border-top: 1px solid var(--dark-border);
}

.footer-section p {
    color: rgba(255,255,255,.38);
    font-size: 13.5px;
    line-height: 1.7;
    font-style: normal;
}

.footer-widget h2 {
    font-size: 11px;
    font-weight: 700;
    color: rgba(255,255,255,.4);
    text-transform: uppercase;
    letter-spacing: .14em;
    margin-bottom: 20px;
}

.footer-widget ul li a {
    display: block;
    font-size: 14px;
    color: rgba(255,255,255,.55);
    margin-bottom: 10px;
    transition: var(--t);
}
.footer-widget ul li a:hover { color: #fff; padding-left: 4px; }

.footer-logo { display: inline-block; margin-bottom: 40px; }

.footer-brand {
    font-size: 1.2rem;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: #fff;
    margin-bottom: 14px;
    display: block;
}
.footer-brand .highlight { color: var(--primary); }

.footer-divider {
    border: none;
    border-top: 1px solid var(--dark-border);
    margin: 40px 0 0;
}

.footer-bottom {
    padding: 20px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 8px;
}
.footer-bottom p { font-size: 12px; color: rgba(255,255,255,.22); }

.copyright { color: rgba(255,255,255,.22); font-size: 12px; padding-bottom: 0; border: none; text-align: left; }
.copyright a { color: rgba(255,255,255,.22); }
.copyright a:hover { color: var(--primary); }

/* ============================================================
   PAGE TOP SECTION (inner pages)
   ============================================================ */
.page-top-section {
    background: var(--dark);
    padding: 150px 0 80px;
    position: relative;
    overflow: hidden;
}

.page-top-section::before {
    content: '';
    position: absolute; inset: 0;
    background: radial-gradient(ellipse 70% 80% at 60% 50%, rgba(244,63,0,.12) 0%, transparent 60%);
    pointer-events: none;
}
.page-top-section::after {
    content: '';
    position: absolute; inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.02) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.02) 1px, transparent 1px);
    background-size: 60px 60px;
    pointer-events: none;
    mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 30%, transparent 100%);
}

.page-top-section .container { position: relative; z-index: 1; }

.page-top-section h2 {
    font-size: 58px;
    color: #fff;
    letter-spacing: -.04em;
    margin-bottom: 14px;
}

.site-breadcrumb { display: flex; align-items: center; gap: 8px; }
.site-breadcrumb .sb-item {
    font-size: 13px;
    color: rgba(255,255,255,.45);
    font-weight: 500;
}
.site-breadcrumb .sb-item + .sb-item::before {
    content: '/ ';
}
.site-breadcrumb .sb-item.active { color: var(--primary); }
.site-breadcrumb .sb-item:last-child::after { display: none; }

/* ============================================================
   CONTACT SECTION
   ============================================================ */
.contact-section { background: var(--light-alt); }

.contact-text h2 {
    font-size: 38px;
    letter-spacing: -.03em;
    color: var(--dark);
    margin-bottom: 16px;
    display: inline-block;
    position: relative;
}
.contact-text h2::after {
    content: '';
    position: absolute;
    bottom: -10px; left: 0;
    width: 40px; height: 3px;
    background: var(--primary);
    border-radius: var(--r-pill);
}
.contact-text p { margin: 28px 0 28px; font-size: 15px; }

.contact-text ul { margin-top: 20px; }
.contact-text ul li {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 12px 0;
    border-bottom: 1px solid var(--light-border);
    font-size: 14px;
    color: var(--light-muted);
    transition: var(--t);
}
.contact-text ul li:hover { color: var(--dark); padding-left: 4px; }
.contact-text ul li i { font-size: 18px; color: var(--primary); width: 22px; flex-shrink: 0; }

.contact-form {
    background: var(--light);
    border-radius: var(--r-lg);
    padding: 44px;
    box-shadow: var(--shadow-card);
    border: 1px solid var(--light-border);
}

.contact-form input,
.contact-form textarea,
.contact-form select {
    width: 100%;
    padding: 13px 18px;
    border: 1.5px solid var(--light-border);
    border-radius: var(--r);
    font-size: 14px;
    font-family: inherit;
    color: var(--dark);
    background: var(--light-alt);
    margin-bottom: 18px;
    transition: var(--t);
}
.contact-form input:focus,
.contact-form textarea:focus {
    border-color: var(--primary);
    background: var(--light);
    box-shadow: 0 0 0 3px rgba(244,63,0,.08);
}
.contact-form textarea { min-height: 130px; resize: vertical; }

.field-valid   { border-color: #10b981 !important; }
.field-invalid { border-color: #ef4444 !important; }

.error-message {
    color: #ef4444; font-size: .78em;
    margin-top: -12px; margin-bottom: 14px; display: block;
}

.contact-notification { animation: slideNotif .35s var(--ease); }
@keyframes slideNotif {
    from{transform:translateX(100%);opacity:0}
    to{transform:translateX(0);opacity:1}
}

/* ============================================================
   ABOUT / REVIEW SECTIONS
   ============================================================ */
.about-section { background: var(--light-alt); }

.about-text { padding-left: 32px; }
.about-text h2 {
    font-size: 42px;
    letter-spacing: -.03em;
    color: var(--dark);
    margin-bottom: 24px;
}
.about-text p { margin-bottom: 22px; font-size: 15px; }

.about-section img {
    border-radius: var(--r-lg);
    box-shadow: var(--shadow-lg);
    width: 100%; object-fit: cover;
}

.review-section {
    background: var(--dark-card);
    border-top: 1px solid var(--dark-border);
    border-bottom: 1px solid var(--dark-border);
}

.review-section h2 {
    font-size: 46px;
    color: #fff;
    letter-spacing: -.035em;
}

.review-item {
    background: rgba(255,255,255,.03);
    border: 1px solid var(--dark-border);
    border-radius: var(--r-lg);
    padding: 30px 26px;
    transition: var(--t-slow);
    height: 100%;
}
.review-item:hover {
    background: rgba(255,255,255,.06);
    border-color: rgba(244,63,0,.2);
    transform: translateY(-6px);
}

.review-item p { color: rgba(255,255,255,.55); font-size: 14px; margin-bottom: 22px; line-height: 1.7; }
.review-item h6 { color: var(--primary); font-weight: 700; font-size: 14px; letter-spacing: -.01em; }
.review-item h6 span { font-size: 12px; font-weight: 400; color: rgba(255,255,255,.35); }

.rating { margin-bottom: 18px; }
.rating i { font-size: 14px; color: #ffd200; margin-right: 2px; }

/* ============================================================
   AUTHORITIES
   ============================================================ */
.authorities-section { background: var(--light-alt); }
.authorities-section h2 { font-size: 44px; letter-spacing: -.03em; margin-bottom: 56px; }

.authoritie-item {
    background: var(--light);
    border-radius: var(--r-lg);
    padding: 36px 32px;
    margin-bottom: 28px;
    border: 1px solid var(--light-border);
    transition: var(--t-slow);
}
.authoritie-item:hover {
    transform: translateY(-6px);
    box-shadow: 0 16px 50px rgba(0,0,0,.1);
    border-color: rgba(244,63,0,.18);
}
.authoritie-item img { margin-bottom: 20px; max-height: 48px; object-fit: contain; }
.authoritie-item h4 {
    font-size: 17px;
    letter-spacing: -.02em;
    margin-bottom: 14px;
    line-height: 1.35;
}
.authoritie-item p { font-size: 14px; margin-bottom: 20px; line-height: 1.7; }
.authoritie-item .readmore img { width: 16px; margin-bottom: 0; }

/* ============================================================
   LOANS / SERVICES PAGE
   ============================================================ */
.loans-section { background: var(--light-alt); }
.loans-text { padding-left: 24px; }
.loans-text h2 { font-size: 40px; letter-spacing: -.03em; margin-bottom: 20px; line-height: 1.2; }
.loans-text p { margin-bottom: 20px; font-size: 15px; }

.loans-text ul { margin-bottom: 32px; }
.loans-text ul li {
    font-size: 14px;
    font-weight: 500;
    color: var(--dark);
    margin-bottom: 10px;
    padding: 11px 14px 11px 42px;
    position: relative;
    background: var(--light);
    border-radius: 10px;
    border-left: 3px solid var(--primary);
    border-bottom: 1px solid var(--light-border);
    border-top: 1px solid var(--light-border);
    border-right: 1px solid var(--light-border);
    transition: var(--t);
}
.loans-text ul li:hover { background: rgba(244,63,0,.03); transform: translateX(4px); }
.loans-text ul li::before {
    content: '✓';
    position: absolute; left: 12px; top: 50%; transform: translateY(-50%);
    color: var(--primary); font-weight: 700; font-size: 13px;
}

.services-section { background: var(--light); }
.services-section h2.section-heading {
    font-size: 48px;
    letter-spacing: -.035em;
    color: var(--dark);
}
.services-section .section-sub {
    font-size: 15px;
    color: var(--light-muted);
    max-width: 480px;
    margin: 14px auto 0;
}

.service-item {
    background: var(--light);
    border-radius: var(--r-lg);
    overflow: hidden;
    border: 1px solid var(--light-border);
    transition: var(--t-slow);
    height: 100%;
    margin-bottom: 24px;
}
.service-item:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 60px rgba(0,0,0,.1);
    border-color: rgba(244,63,0,.18);
}
.service-item img { width: 100%; height: 200px; object-fit: cover; display: block; }
.service-item-body { padding: 26px 24px; }
.service-item h4 {
    font-size: 18px;
    letter-spacing: -.02em;
    margin-bottom: 12px;
    color: var(--dark);
}
.service-item p { font-size: 13.5px; margin-bottom: 20px; line-height: 1.7; }

/* Loan calculator */
.loans-calculator-section { background: var(--dark-2); }
.loans-calculator {
    background: var(--light);
    border-radius: var(--r-lg);
    padding: 52px 48px;
}

.loans-calculator .ls-result {
    text-align: center; font-size: 16px; font-weight: 600;
    color: var(--light-muted); padding: 18px; margin-bottom: 20px;
    border-radius: var(--r-pill); border: 1.5px solid var(--light-border);
    background: var(--light-alt);
}

.loans-calculator p { font-style: italic; margin-bottom: 16px; font-size: 14px; }

.lc-control-btn {
    display: inline-flex; align-items: center; justify-content: center;
    width: 30px; height: 30px; font-size: 16px;
    background: var(--light-alt); margin-bottom: 50px;
    border-radius: var(--r-pill); font-weight: 700; cursor: pointer;
    transition: var(--t);
}
.lc-control-btn:hover { background: var(--primary); color: #fff; }
.lc-control-btn.ici { float: right; }

.ui-widget-content { border: none; background: var(--light-alt); }
.ui-widget.ui-widget-content { border: none; }
.ui-widget-header { background: var(--light-alt); border-radius: 0; border: none; }
.ui-slider-horizontal { height: 4px; }
.ui-slider .ui-slider-handle {
    top: -18px; width: 88px; height: 40px;
    border: none; color: #fff; font-size: 14px; font-weight: 600;
    padding-top: 10px; border-radius: var(--r-pill); text-align: center;
    background: linear-gradient(135deg, var(--primary), var(--primary-h));
    cursor: pointer; box-shadow: 0 4px 16px rgba(244,63,0,.3);
}
.ui-slider .ui-slider-handle:focus { outline: 0; }
.calculator-scale { position: relative; margin-bottom: 10px; height: 17px; }
.calculator-scale span { height: 13px; width: 2px; background: var(--light-border); position: absolute; top: 4px; }
.calculator-scale span:nth-child(1){left:0}
.calculator-scale span:nth-child(2){left:25%;margin-left:-1px}
.calculator-scale span:nth-child(3){left:50%;margin-left:-1px}
.calculator-scale span:nth-child(4){left:75%;margin-left:-1px}
.calculator-scale span:nth-child(5){right:0}
.lone-values { margin-bottom: 32px; }
.lone-value { display: inline-block; font-size: 14px; font-weight: 600; color: var(--light-muted); }
.lone-value.lv-step { float: right; }

/* ============================================================
   ACCORDION
   ============================================================ */
.accordion-area .panel { margin-bottom: 10px; }
.accordion-area .panel-link {
    text-align: left; border: none; position: relative;
    width: 100%; padding: 18px 52px 18px 22px;
    font-size: 14px; font-weight: 600; border-radius: 12px;
    color: var(--dark); cursor: pointer;
    background: var(--light-alt);
    border: 1px solid var(--light-border);
    transition: var(--t);
}
.accordion-area .panel-link:after {
    content: "+"; position: absolute; font-size: 18px;
    right: 22px; top: 50%; transform: translateY(-50%);
    color: var(--light-muted); line-height: 1;
}
.accordion-area .panel-header .panel-link.active {
    background: var(--primary); color: #fff;
    border-color: var(--primary); box-shadow: 0 4px 20px rgba(244,63,0,.3);
}
.accordion-area .panel-link.active:after { content: "−"; color: #fff; }
.accordion-area .panel-body p { padding: 18px 22px 22px; margin-bottom: 0; }

/* ============================================================
   CIRCLE PROGRESS / MISC
   ============================================================ */
.circle-progress { text-align: center; display: block; position: relative; margin-bottom: 30px; }
.circle-progress canvas { transform: rotate(90deg); }
.circle-progress .progress-info { position: absolute; width: 100%; top: 50%; margin-top: -30px; }
.circle-progress .progress-info h2 { font-size: 30px; font-weight: 700; }
.circle-progress .progress-info p { font-size: 14px; margin-bottom: 0; line-height: 1.2; }

.milestone { margin-bottom: 28px; }
.milestone-icon { float: left; font-size: 52px; color: var(--primary); width: 68px; }
.milestone-text { overflow: hidden; padding-top: 10px; }
.milestone-text h3 { font-weight: 700; }
.milestone-text p { margin-bottom: 0; }

.info-section { padding-bottom: 90px; }
.info-text { padding-top: 30px; }
.info-text h2 { margin-bottom: 10px; font-weight: 800; }
.info-text h5 { margin-bottom: 32px; color: var(--light-muted); font-weight: 400; }
.info-text p { margin-bottom: 36px; }
.info-text ul li { font-size: 28px; font-weight: 700; color: var(--primary); margin-bottom: 8px; }

.score-section .container { padding: 100px 15px 92px; position: relative; }
.score-section h2 { font-size: 54px; letter-spacing: -.04em; }
.score-section h4 { margin-bottom: 40px; line-height: 1.4; }
.score-section .hand-img { position: absolute; right: 170px; bottom: 0; }

.elements-section { padding-bottom: 0; }
.element { margin-bottom: 70px; }
.element .el-title { font-weight: 700; margin-bottom: 60px; }

/* ============================================================
   SLICKNAV
   ============================================================ */
.slicknav_menu {
    display: none !important;
    background: rgba(5,5,8,.97);
    padding: 10px 20px;
}
.slicknav_btn { margin: 5px 5px 5px 0; background: var(--primary); padding: 8px 10px; border-radius: 8px; }
.slicknav_icon-bar { background-color: #fff; }
.slicknav_nav li { border: none; }
.slicknav_nav a { padding: 10px 14px; color: rgba(255,255,255,.7); }
.slicknav_nav a:hover { background: rgba(255,255,255,.06); color: #fff; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1100px) {
    .hs-text h2 { font-size: 62px; }
    .header-section { padding: 0 30px; }
}

@media (max-width: 992px) {
    .hs-text h2 { font-size: 50px; }
    .header-section { padding: 0 20px; height: 64px; }
    .main-menu { display: none !important; }
    .slicknav_menu { display: block !important; }
    .hero-visual { margin-top: 50px; }
    .feature-text { padding-top: 28px; }
    .about-text { padding-left: 0; margin-top: 30px; }
    .loans-text { padding-left: 0; margin-top: 30px; }
    .stat-card + .stat-card::before { display: none; }
}

@media (max-width: 768px) {
    .hs-text h2 { font-size: 40px; }
    .spad { padding-top: 80px; padding-bottom: 80px; }
    .spad-sm { padding-top: 56px; padding-bottom: 56px; }
    .stat-card .stat-number { font-size: 36px; }
    .why-section .section-header h2,
    .steps-section .section-header h2,
    .help-section .section-header h2 { font-size: 36px; }
    .cta-section h2 { font-size: 38px; }
    .page-top-section h2 { font-size: 40px; }
    .contact-form { padding: 28px 20px; }
    .about-text h2 { font-size: 32px; }
    .feature-text h2 { font-size: 30px; }
    .hero-card .card-amount { font-size: 38px; }
    .hero-float.hf-top { display: none; }
    .loans-calculator { padding: 36px 24px; }
}

@media (max-width: 576px) {
    .hs-text h2 { font-size: 34px; }
    .hero-badge { font-size: 11px; }
    .hero-cta { flex-direction: column; align-items: flex-start; gap: 10px; }
    .site-btn { width: 100%; justify-content: center; }
    .site-btn.sb-big { padding: 16px 28px; }
    .stat-card .stat-number { font-size: 32px; }
    .cta-section h2 { font-size: 32px; }
    .page-top-section h2 { font-size: 34px; }
    .hero-float { display: none; }
}