:root {
  --bg: #ffffff;
  --bg-tint: #fff1f1;
  --text: #141414;
  --muted: #5a5a5a;
  --border: rgba(20, 20, 20, 0.12);
  --shadow: 0 16px 40px rgba(16, 24, 40, 0.12);
  --primary: #d32f2f;
  --primary-dark: #b71c1c;
  --primary-ink: #ffffff;
  --focus: rgba(211, 47, 47, 0.35);
  --radius: 16px;
  --radius-sm: 12px;
  --container: 1120px;
}

* {
  box-sizing: border-box;
}

html,
body {
  height: 100%;
}

body {
  margin: 0;
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.55;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
}

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

.link {
  color: var(--primary-dark);
  font-weight: 700;
}

.link:hover {
  text-decoration: underline;
  text-decoration-thickness: 2px;
  text-underline-offset: 3px;
}

button,
input {
  font: inherit;
}

input {
  color: var(--text);
}

.container {
  width: min(100% - 32px, var(--container));
  margin-inline: auto;
}

.skip-link {
  position: absolute;
  left: 16px;
  top: 16px;
  padding: 10px 12px;
  border-radius: 12px;
  background: var(--primary);
  color: var(--primary-ink);
  transform: translateY(-200%);
  transition: transform 140ms ease;
  z-index: 999;
}

.skip-link:focus {
  transform: translateY(0);
  outline: none;
  box-shadow: 0 0 0 4px var(--focus);
}

.header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.78);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(20, 20, 20, 0.06);
}

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 0;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  letter-spacing: -0.02em;
}

.brand__mark {
  width: 34px;
  height: 34px;
  border-radius: 10px;
  background: #fff url("../images/logo.jpg") center / cover no-repeat;
  box-shadow: 0 8px 20px rgba(183, 28, 28, 0.25);
}

.brand__name {
  font-size: 16px;
}

.nav {
  display: flex;
  align-items: center;
  gap: 18px;
}

.nav__dropdown {
  position: relative;
}

.nav__summary {
  list-style: none;
}

.nav__summary::-webkit-details-marker {
  display: none;
}

.nav__link {
  color: var(--muted);
  font-weight: 500;
  font-size: 14px;
  padding: 10px 10px;
  border-radius: 12px;
}

.nav__link:hover {
  color: var(--text);
  background: rgba(20, 20, 20, 0.04);
}

.nav__dropdown[open] .nav__link {
  color: var(--text);
  background: rgba(20, 20, 20, 0.04);
}

.nav__menu {
  position: absolute;
  top: calc(100% + 10px);
  left: 0;
  width: max-content;
  min-width: 280px;
  max-width: 360px;
  padding: 12px;
  border-radius: 16px;
  border: 1px solid rgba(20, 20, 20, 0.10);
  background: rgba(255, 255, 255, 0.98);
  box-shadow: 0 18px 44px rgba(16, 24, 40, 0.16);
  z-index: 100;
}

.nav__menu-link {
  display: block;
  padding: 10px 10px;
  border-radius: 12px;
  font-weight: 700;
  color: var(--text);
}

.nav__menu-link:hover {
  background: rgba(211, 47, 47, 0.08);
}

.nav__menu-block {
  padding: 8px 10px;
}

.nav__menu-title {
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  color: rgba(20, 20, 20, 0.55);
  margin-bottom: 6px;
}

.nav__menu-meta {
  font-size: 12.5px;
  color: rgba(20, 20, 20, 0.72);
  font-weight: 600;
  line-height: 1.45;
}

.nav__menu-divider {
  height: 1px;
  background: rgba(20, 20, 20, 0.10);
  margin: 10px 0;
}

.nav__menu-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  margin-top: 10px;
  padding: 10px 12px;
  border-radius: 14px;
  border: 1px solid rgba(211, 47, 47, 0.22);
  background: rgba(211, 47, 47, 0.08);
  color: var(--primary-dark);
  font-weight: 800;
}

.nav__menu-cta:hover {
  background: rgba(211, 47, 47, 0.12);
}

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

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border-radius: 14px;
  padding: 10px 14px;
  font-weight: 600;
  font-size: 14px;
  border: 1px solid transparent;
  transition: transform 120ms ease, box-shadow 120ms ease, background 120ms ease, border-color 120ms ease;
  cursor: pointer;
}

.btn:focus {
  outline: none;
  box-shadow: 0 0 0 4px var(--focus);
}

.btn--primary {
  background: var(--primary);
  color: var(--primary-ink);
  border-color: rgba(0, 0, 0, 0.08);
}

.btn--primary:hover {
  background: var(--primary-dark);
  transform: translateY(-1px);
  box-shadow: 0 12px 30px rgba(183, 28, 28, 0.22);
}

.btn--ghost {
  background: rgba(255, 255, 255, 0.7);
  border-color: rgba(20, 20, 20, 0.12);
  color: var(--text);
}

.btn--ghost:hover {
  background: rgba(20, 20, 20, 0.04);
  transform: translateY(-1px);
}

.btn--full {
  width: 100%;
}

.hero {
  position: relative;
  padding: 72px 0 40px;
  overflow: hidden;
}

.hero::before {
  content: "";
  position: absolute;
  inset: -200px -120px auto -120px;
  height: 520px;
  background: radial-gradient(circle at 30% 30%, rgba(211, 47, 47, 0.22), transparent 60%),
    radial-gradient(circle at 70% 40%, rgba(255, 107, 107, 0.20), transparent 55%);
  pointer-events: none;
}

.hero__grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 26px;
  align-items: start;
}

.hero__image,
.section__image {
  margin: 0 0 22px;
  border-radius: var(--radius);
  overflow: hidden;
  background: rgba(211, 47, 47, 0.06);
  border: 1px solid rgba(20, 20, 20, 0.08);
}

.hero__image img,
.section__image img {
  display: block;
  width: 100%;
  height: auto;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  color: var(--primary-dark);
  background: rgba(211, 47, 47, 0.08);
  border: 1px solid rgba(211, 47, 47, 0.18);
  padding: 8px 12px;
  border-radius: 999px;
  font-size: 13px;
  margin: 0 0 18px;
}

h1 {
  margin: 0 0 16px;
  font-size: clamp(34px, 4vw, 50px);
  line-height: 1.08;
  letter-spacing: -0.03em;
}

.lead {
  margin: 0 0 24px;
  color: var(--muted);
  font-size: 16px;
  max-width: 56ch;
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 22px 0 28px;
}

.hero__highlights {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 14px;
}

.hero__highlights li {
  background: rgba(255, 255, 255, 0.8);
  border: 1px solid rgba(20, 20, 20, 0.08);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  color: var(--muted);
}

.hero__highlights strong {
  color: var(--text);
}

.panel {
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(20, 20, 20, 0.10);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
}

.panel__header {
  padding: 18px 18px 12px;
  border-bottom: 1px solid rgba(20, 20, 20, 0.08);
  background: linear-gradient(180deg, rgba(211, 47, 47, 0.08), rgba(255, 255, 255, 0.0));
}

.panel__title {
  margin: 0;
  font-size: 18px;
}

.panel__subtitle {
  margin: 6px 0 0;
  color: var(--muted);
  font-size: 14px;
}

.panel__foot {
  padding: 14px 18px 18px;
}

.stats {
  padding: 14px 18px 6px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.stats--flat {
  padding: 0;
  grid-template-columns: repeat(4, 1fr);
}

.stat {
  border: 1px solid rgba(20, 20, 20, 0.08);
  background: rgba(255, 255, 255, 0.85);
  border-radius: 14px;
  padding: 12px 12px;
}

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

.stat__value {
  margin-top: 6px;
  font-weight: 700;
}

.loan-info {
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(20, 20, 20, 0.10);
  border-radius: var(--radius);
  box-shadow: 0 12px 28px rgba(16, 24, 40, 0.06);
  padding: 18px;
}

.loan-info__note {
  margin: 14px 0 0;
  max-width: 85ch;
}

.section {
  padding: 44px 0;
}

.section--tint {
  background: var(--bg-tint);
  border-top: 1px solid rgba(20, 20, 20, 0.06);
  border-bottom: 1px solid rgba(20, 20, 20, 0.06);
}

.section__header {
  margin-bottom: 18px;
}

h2 {
  margin: 0 0 8px;
  font-size: 28px;
  letter-spacing: -0.02em;
}

.section__subhead {
  margin: 0;
  color: var(--muted);
  max-width: 72ch;
}

.grid3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}

.grid2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.card {
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(20, 20, 20, 0.10);
  border-radius: var(--radius);
  padding: 18px;
  box-shadow: 0 12px 28px rgba(16, 24, 40, 0.06);
}

.card h3 {
  margin: 0 0 8px;
  font-size: 18px;
  letter-spacing: -0.01em;
}

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

.card--accent {
  border-color: rgba(211, 47, 47, 0.20);
  background: linear-gradient(180deg, rgba(211, 47, 47, 0.12), rgba(255, 255, 255, 0.86));
}

.big {
  margin: 10px 0 6px;
  font-size: 34px;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--primary-dark);
}

.muted {
  color: var(--muted);
}

.fineprint {
  color: rgba(20, 20, 20, 0.6);
  font-size: 12.5px;
  margin: 0;
}

.calculator {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 14px;
  align-items: start;
}

.calculator__form,
.calculator__results {
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(20, 20, 20, 0.10);
  border-radius: var(--radius);
  padding: 18px;
  box-shadow: 0 12px 28px rgba(16, 24, 40, 0.06);
}

.field {
  display: grid;
  gap: 8px;
  margin-bottom: 14px;
}

.field__label {
  font-weight: 600;
  font-size: 13px;
}

.field__input {
  width: 100%;
  border-radius: 14px;
  border: 1px solid rgba(20, 20, 20, 0.14);
  background: rgba(255, 255, 255, 0.92);
  padding: 12px 12px;
  outline: none;
  transition: box-shadow 120ms ease, border-color 120ms ease;
}

.field__input:focus {
  border-color: rgba(211, 47, 47, 0.45);
  box-shadow: 0 0 0 4px var(--focus);
}

.field__hint {
  color: rgba(20, 20, 20, 0.55);
  font-size: 12px;
}

.field--readonly .field__pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 44px;
  padding: 0 12px;
  border-radius: 14px;
  background: rgba(211, 47, 47, 0.08);
  border: 1px solid rgba(211, 47, 47, 0.20);
  font-weight: 700;
  color: var(--primary-dark);
}

.checkline {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 6px 0 16px;
  color: var(--muted);
  font-size: 13.5px;
}

.checkline__box {
  margin-top: 2px;
  width: 16px;
  height: 16px;
}

.checkline__text {
  line-height: 1.4;
}

.result {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: baseline;
  padding: 14px 14px;
  border-radius: 14px;
  border: 1px solid rgba(20, 20, 20, 0.10);
  background: rgba(255, 255, 255, 0.86);
  margin-bottom: 12px;
}

.result__label {
  color: var(--muted);
  font-weight: 600;
  font-size: 13px;
}

.result__value {
  font-weight: 800;
  letter-spacing: -0.02em;
}

.result--total {
  border-color: rgba(211, 47, 47, 0.20);
  background: linear-gradient(180deg, rgba(211, 47, 47, 0.10), rgba(255, 255, 255, 0.86));
}

.note {
  margin-top: 16px;
  padding: 14px 14px;
  border-radius: 14px;
  border: 1px dashed rgba(20, 20, 20, 0.18);
  background: rgba(255, 255, 255, 0.65);
}

.note__title {
  margin: 0 0 6px;
  font-size: 14px;
}

.note__text {
  margin: 0;
  color: var(--muted);
  font-size: 13.5px;
}

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

.faq__item {
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(20, 20, 20, 0.10);
  border-radius: var(--radius);
  padding: 14px 16px;
}

.faq__item summary {
  cursor: pointer;
  font-weight: 700;
  outline: none;
}

.faq__item summary:focus {
  box-shadow: 0 0 0 4px var(--focus);
  border-radius: 12px;
}

.faq__item p {
  margin: 10px 0 0;
  color: var(--muted);
}

.cta {
  padding: 40px 0;
  background: linear-gradient(135deg, rgba(211, 47, 47, 0.18), rgba(255, 255, 255, 0.0) 60%),
    radial-gradient(circle at 80% 30%, rgba(183, 28, 28, 0.18), transparent 55%),
    var(--bg);
  border-top: 1px solid rgba(20, 20, 20, 0.06);
}

.cta__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 18px;
  border-radius: var(--radius);
  border: 1px solid rgba(20, 20, 20, 0.10);
  background: rgba(255, 255, 255, 0.86);
  box-shadow: var(--shadow);
}

.cta__inner h2 {
  margin: 0 0 8px;
}

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

.cta__actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.cta__left,
.cta__right {
  flex: 1;
}

.cta__subtitle {
  margin: 0 0 10px;
  font-size: 14px;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  color: var(--primary-dark);
}

.kv {
  margin: 0;
  display: grid;
  grid-template-columns: 170px 1fr;
  gap: 8px 12px;
}

.kv dt {
  color: var(--muted);
  font-weight: 600;
  font-size: 13px;
}

.kv dd {
  margin: 0;
  font-weight: 700;
}

.kv--contact {
  margin-top: 12px;
}

.kv--company dd {
  font-weight: 600;
}

.footer {
  padding: 28px 0 20px;
  background: #0f0f10;
  color: rgba(255, 255, 255, 0.88);
}

.brand--footer .brand__name {
  color: rgba(255, 255, 255, 0.94);
}

.footer .muted {
  color: rgba(255, 255, 255, 0.68);
}

.footer .fineprint {
  color: rgba(255, 255, 255, 0.78);
}

.footer__grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  row-gap: 22px;
  column-gap: 44px;
  align-items: start;
}

.footer__links {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  row-gap: 16px;
  column-gap: 34px;
  align-items: start;
  justify-items: start;
}

.footer__group {
  display: grid;
  gap: 10px;
  min-width: 0;
}

.footer__group-title {
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.72);
  margin: 0;
}

.footer__links a {
  color: rgba(255, 255, 255, 0.78);
  font-weight: 600;
  font-size: 14px;
  padding: 6px 8px;
  border-radius: 10px;
  overflow-wrap: anywhere;
}

.footer__links a:hover {
  background: rgba(255, 255, 255, 0.07);
  color: rgba(255, 255, 255, 0.92);
}

.footer__bottom {
  margin-top: 18px;
  padding-top: 16px;
  border-top: 1px solid rgba(255, 255, 255, 0.10);
}

@media (max-width: 980px) {
  .hero__grid {
    grid-template-columns: 1fr;
  }

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

  .calculator {
    grid-template-columns: 1fr;
  }

  .grid3 {
    grid-template-columns: 1fr;
  }

  .grid2 {
    grid-template-columns: 1fr;
  }

  .nav {
    display: none;
  }

  .cta__inner {
    flex-direction: column;
    align-items: flex-start;
  }

  .kv {
    grid-template-columns: 1fr;
  }

  .footer__grid {
    grid-template-columns: 1fr;
  }

  .footer__links {
    grid-template-columns: repeat(2, minmax(150px, 1fr));
  }
}

@media (max-width: 560px) {
  .stats--flat {
    grid-template-columns: 1fr;
  }

  .footer__links {
    grid-template-columns: 1fr;
  }
}

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