:root {
  --navy: #2f2d2b;
  --navy-2: #4a4643;
  --gold: #e67233;
  --gold-2: #f28c52;
  --ink: #1d2733;
  --muted: #5b6876;
  --bg: #f7f8fa;
  --card: #ffffff;
  --line: #e3e7ec;
  --radius: 14px;
  --shadow: 0 6px 24px rgba(47, 45, 43, 0.08);
  --max: 1120px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body {
  margin: 0;
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", "PingFang SC", "Microsoft YaHei", sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 16px;
}
img { max-width: 100%; display: block; }
a { color: var(--navy-2); }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 20px; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 68px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); }
.brand-mark {
  width: 38px; height: 38px; border-radius: 10px;
  background: var(--navy); color: var(--gold-2);
  display: grid; place-items: center; font-weight: 800; font-size: 18px;
}
.brand-name { font-weight: 800; letter-spacing: 0.02em; font-size: 18px; line-height: 1.1; }
.brand-name small { display: block; font-weight: 500; font-size: 11px; color: var(--muted); letter-spacing: 0.08em; text-transform: uppercase; }
.nav { display: flex; align-items: center; gap: 22px; }
.nav a { text-decoration: none; color: var(--ink); font-weight: 500; font-size: 15px; }
.nav a:hover { color: var(--navy-2); }
.nav a.btn-navy, .nav a.btn-navy:hover { color: #fff; }
.nav .lang { border: 1px solid var(--line); padding: 4px 10px; border-radius: 999px; font-size: 14px; }
.nav-toggle { display: none; background: none; border: 0; font-size: 26px; cursor: pointer; color: var(--navy); }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 22px; border-radius: 999px; font-weight: 600; text-decoration: none;
  border: 2px solid transparent; cursor: pointer; font-size: 16px; transition: transform .15s, background .15s;
}
.btn:hover { transform: translateY(-1px); }
.btn-gold { background: var(--gold); color: #fff; }
.btn-gold:hover { background: var(--gold-2); }
.btn-outline { border-color: rgba(255,255,255,0.6); color: #fff; }
.btn-outline:hover { background: rgba(255,255,255,0.1); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-sm { padding: 8px 16px; font-size: 14px; }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #fff; padding: 84px 0 96px; position: relative; overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; right: -120px; top: -120px; width: 420px; height: 420px;
  border-radius: 50%; background: radial-gradient(circle, rgba(230,114,51,0.28), transparent 70%);
}
.hero .eyebrow { color: var(--gold-2); font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; font-size: 13px; }
.hero h1 { font-size: clamp(32px, 5vw, 52px); line-height: 1.15; margin: 12px 0 18px; max-width: 760px; }
.hero p.lead { font-size: 19px; color: #e4e0dc; max-width: 640px; margin: 0 0 30px; }
.hero .cta { display: flex; flex-wrap: wrap; gap: 14px; }
.trust { display: flex; flex-wrap: wrap; gap: 26px; margin-top: 42px; color: #d3cdc8; font-size: 15px; }
.trust span::before { content: "✓"; color: var(--gold-2); font-weight: 700; margin-right: 8px; }

/* Sections */
section { padding: 80px 0; }
.section-head { text-align: center; max-width: 680px; margin: 0 auto 48px; }
.section-head h2 { font-size: clamp(26px, 3.5vw, 36px); color: var(--navy); margin: 0 0 10px; }
.section-head p { color: var(--muted); margin: 0; font-size: 17px; }
.alt { background: #fff; }

/* Services */
.grid { display: grid; gap: 22px; }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px; box-shadow: var(--shadow);
}
.card .icon {
  width: 52px; height: 52px; border-radius: 12px; background: #fcebe1;
  display: grid; place-items: center; font-size: 26px; margin-bottom: 16px;
}
.card h3 { margin: 0 0 10px; color: var(--navy); font-size: 20px; }
.card p { margin: 0 0 14px; color: var(--muted); }
.card ul { margin: 0; padding-left: 18px; color: var(--ink); font-size: 15px; }
.card li { margin-bottom: 4px; }

/* Steps */
.steps { counter-reset: step; }
.step { position: relative; padding-top: 56px; }
.step::before {
  counter-increment: step; content: counter(step);
  position: absolute; top: 0; left: 28px; width: 40px; height: 40px; border-radius: 50%;
  background: var(--navy); color: var(--gold-2); display: grid; place-items: center; font-weight: 800;
}
.step.card { padding-top: 80px; }
.step.card::before { top: 24px; }

/* About */
.about { display: grid; grid-template-columns: 1fr 1.3fr; gap: 48px; align-items: center; }
.about-photo {
  aspect-ratio: 4 / 5; border-radius: var(--radius); background: linear-gradient(160deg, #ece8e4, #d9d3ce);
  display: grid; place-items: center; color: var(--muted); font-size: 14px; text-align: center; padding: 20px;
  overflow: hidden;
}
.about-photo img { width: 100%; height: 100%; object-fit: cover; }
.about-photo:has(img) { padding: 0; }
.about h2 { color: var(--navy); font-size: clamp(26px, 3.5vw, 34px); margin-top: 0; }
.stats { display: flex; gap: 32px; margin-top: 24px; flex-wrap: wrap; }
.stat strong { display: block; font-size: 30px; color: var(--navy); }
.stat span { color: var(--muted); font-size: 14px; }

/* Testimonials */
.quote { font-size: 16px; }
.quote p { color: var(--ink); font-style: italic; }
.quote .who { color: var(--muted); font-size: 14px; font-style: normal; margin: 0; }
.stars { color: var(--gold); letter-spacing: 2px; margin-bottom: 8px; }

/* FAQ */
.faq { max-width: 820px; margin: 0 auto; }
.faq details {
  box-shadow: none;
  background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 18px 22px; margin-bottom: 12px;
}
.faq summary { cursor: pointer; font-weight: 600; color: var(--navy); list-style: none; position: relative; padding-right: 28px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 0; top: -2px; font-size: 22px; color: var(--gold); }
.faq details[open] summary::after { content: "–"; }
.faq details p { color: var(--muted); margin: 12px 0 0; }

/* Contact */
.contact { display: grid; grid-template-columns: 1fr 1.2fr; gap: 40px; }
.contact-info h3 { color: var(--navy); margin-top: 0; }
.contact-info .line { display: flex; gap: 12px; margin-bottom: 16px; }
.contact-info .line b { display: block; color: var(--navy); }
.contact-info a { text-decoration: none; }
.map { border: 0; width: 100%; height: 240px; border-radius: 12px; margin-top: 10px; }
form .row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
form label { display: block; font-size: 14px; font-weight: 600; color: var(--navy); margin: 0 0 6px; }
form input, form select, form textarea {
  width: 100%; padding: 12px 14px; border: 1px solid var(--line); border-radius: 10px;
  font: inherit; background: #fbfcfd; margin-bottom: 14px;
}
form input:focus, form select:focus, form textarea:focus { outline: 2px solid var(--gold); border-color: transparent; }
form textarea { min-height: 110px; resize: vertical; }
.hp { position: absolute; left: -9999px; }
.form-note { font-size: 13px; color: var(--muted); margin-top: 6px; }
.form-status { margin-top: 12px; font-weight: 600; }
.form-status.ok { color: #1f7a3f; }
.form-status.err { color: #b3261e; }

/* Footer */
.site-footer { background: var(--navy); color: #c9c3be; padding: 48px 0 28px; font-size: 14px; }
.site-footer a { color: #f1ece8; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; margin-bottom: 28px; }
.site-footer h4 { color: #fff; margin: 0 0 12px; font-size: 15px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 6px; }
.legal { border-top: 1px solid rgba(255,255,255,0.12); padding-top: 20px; font-size: 12.5px; line-height: 1.6; color: #a39c96; }
.legal p { margin: 0 0 8px; }

/* Mobile call bar */
.callbar { display: none; }

/* Page (privacy etc.) */
.page { max-width: 820px; margin: 0 auto; padding: 60px 20px; }
.page h1 { color: var(--navy); }
.page h2 { color: var(--navy); font-size: 20px; margin-top: 32px; }

@media (max-width: 960px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: 1fr; }
  .about, .contact { grid-template-columns: 1fr; }
  .about-photo { max-width: 360px; }
  .footer-grid { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  .nav {
    display: none; position: absolute; top: 68px; left: 0; right: 0; background: #fff;
    flex-direction: column; align-items: flex-start; padding: 16px 20px 22px; gap: 14px;
    border-bottom: 1px solid var(--line);
  }
  .nav.open { display: flex; }
  .nav-toggle { display: block; }
  .grid-4, .grid-2 { grid-template-columns: 1fr; }
  form .row { grid-template-columns: 1fr; }
  section { padding: 60px 0; }
  .hero { padding: 60px 0 70px; }
  body { padding-bottom: 64px; }
  .callbar {
    display: grid; grid-template-columns: 1fr 1fr; position: fixed; bottom: 0; left: 0; right: 0; z-index: 60;
    box-shadow: 0 -4px 16px rgba(0,0,0,0.12);
  }
  .callbar a { padding: 16px; text-align: center; font-weight: 700; text-decoration: none; }
  .callbar .c1 { background: var(--gold); color: #fff; }
  .callbar .c2 { background: var(--navy); color: #fff; }
}

.brand img { height: 46px; width: auto; }
.footer-logo { display: inline-block; background: #fff; border-radius: 10px; padding: 8px 12px; margin-bottom: 12px; }
.footer-logo img { height: 40px; width: auto; display: block; }
@media (max-width: 760px) { .brand img { height: 38px; } }
.alt .faq details { background: var(--bg); }

/* Repayment calculator */
.calc { display: grid; grid-template-columns: 1.2fr 1fr; gap: 24px; align-items: stretch; }
.calc input, .calc select {
  width: 100%; padding: 12px 14px; border: 1px solid var(--line); border-radius: 10px;
  font: inherit; background: #fbfcfd; margin-bottom: 14px;
}
.calc input:focus, .calc select:focus { outline: 2px solid var(--gold); border-color: transparent; }
.calc label { display: block; font-size: 14px; font-weight: 600; color: var(--navy); margin: 0 0 6px; }
.calc .row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.calc-result { background: var(--navy); color: #fff; border-color: var(--navy); display: flex; flex-direction: column; }
.calc-label { color: #d3cdc8; font-size: 15px; }
.calc-big { font-size: clamp(38px, 5vw, 52px); font-weight: 700; color: var(--gold-2); margin: 6px 0 18px; line-height: 1.1; }
.calc-result dl { margin: 0 0 22px; }
.calc-result dl div { display: flex; justify-content: space-between; padding: 10px 0; border-top: 1px solid rgba(255,255,255,0.14); }
.calc-result dt { color: #d3cdc8; }
.calc-result dd { margin: 0; font-weight: 600; }
.calc-result .btn { align-self: flex-start; }
.calc-note { font-size: 12px; color: #a39c96; margin: 18px 0 0; line-height: 1.55; }
@media (max-width: 860px) { .calc { grid-template-columns: 1fr; } }
@media (max-width: 760px) { .calc .row { grid-template-columns: 1fr; } }