:root {
  /* palette — light theme, red accent */
  --red: #D7263D;
  --red-dark: #B71C2D;
  --red-light: #E8485C;
  --red-soft: rgba(215, 38, 61, .12);
  --red-glow: rgba(215, 38, 61, .55);

  --charcoal: #1A1A1A;
  --gray-800: #222222;
  --gray-700: #333333;
  --gray-600: #444444;
  --gray-500: #666666;
  --gray-400: #888888;
  --gray-300: #999999;
  --gray-200: #CCCCCC;
  --gray-100: #F5F5F5;
  --white: #FFFFFF;

  --line-light: rgba(0, 0, 0, .08);
  --line-dark: rgba(255, 255, 255, .12);

  /* type */
  --serif: "Cormorant", Georgia, "Times New Roman", serif;
  --sans: "Manrope", system-ui, -apple-system, sans-serif;

  /* layout */
  --maxw: 1240px;
  --gutter: clamp(20px, 5vw, 72px);
  --ease: cubic-bezier(.22, .61, .36, 1);
}

* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
}

body {
  font-family: var(--sans);
  background: var(--white);
  color: var(--charcoal);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  line-height: 1.6;
  overflow-x: hidden;
}

::selection {
  background: var(--red);
  color: var(--white);
}

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

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

/* ---------- shared ---------- */
.wrap {
  max-width: var(--maxw);
  margin: 0 auto;
  padding-inline: var(--gutter);
}

.eyebrow {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .28em;
  text-transform: uppercase;
  color: var(--red);
  display: inline-flex;
  align-items: center;
  gap: 12px;
}

.eyebrow::before {
  content: "";
  width: 26px;
  height: 1px;
  background: var(--red);
  display: inline-block;
}

.eyebrow.center::before {
  display: none;
}

h1,
h2,
h3 {
  font-family: var(--serif);
  font-weight: 600;
  line-height: 1.04;
  letter-spacing: -.01em;
}

.section {
  padding-block: clamp(80px, 1vw, 160px);
  position: relative;
}

.tabular {
  font-variant-numeric: tabular-nums lining-nums;
}

.cur {
  margin-right: .16em;
}

/* tiny diamond glyph */
.diamond {
  width: 7px;
  height: 7px;
  background: var(--red);
  transform: rotate(45deg);
  display: inline-block;
}

/* reveal animation */
[data-reveal] {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 1s var(--ease), transform 1s var(--ease);
  transition-delay: var(--delay, 0ms);
}

[data-reveal].in {
  opacity: 1;
  transform: none;
}

@media (prefers-reduced-motion: reduce) {
  [data-reveal] {
    opacity: 1;
    transform: none;
    transition: none;
  }
}

/* ============================================================
   NAV
   ============================================================ */
.nav {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 50;
  background: rgba(255, 255, 255, .72);
  backdrop-filter: blur(14px) saturate(140%);
  border-bottom: 1px solid rgba(0, 0, 0, .06);
  transition: background .4s var(--ease), border-color .4s var(--ease), box-shadow .4s;
}

.nav.scrolled {
  background: rgba(255, 255, 255, .92);
  box-shadow: 0 2px 20px rgba(0, 0, 0, .06);
  border-bottom: 1px solid var(--line-light);
}

.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 78px;
  overflow: hidden;
}

.brand {
  display: flex;
  align-items: center;
  gap: 13px;
  flex-shrink: 0;
}

.brand__logo {
  height: 40px;
  width: auto;
}

.brand__name {
  font-family: var(--sans);
  font-weight: 800;
  font-size: 18px;
  letter-spacing: .04em;
  color: var(--charcoal);
  line-height: 1.15;
  text-transform: lowercase;
}

.brand__bar {
  display: block;
  width: 42px;
  height: 5px;
  background: var(--red);
  border-radius: 1px;
  margin-bottom: 2px;
}

.nav__links {
  display: flex;
  align-items: center;
  gap: clamp(8px, 1.4vw, 26px);
  flex-shrink: 1;
  min-width: 0;
  overflow: hidden;
}

.nav__links a {
  font-size: clamp(11px, 1.1vw, 13px);
  font-weight: 500;
  color: var(--gray-500);
  letter-spacing: .01em;
  transition: color .25s;
  position: relative;
  padding-block: 6px;
  white-space: nowrap;
}

.nav__links a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  height: 1px;
  width: 0;
  background: var(--red);
  transition: width .3s var(--ease);
}

.nav__links a:hover {
  color: var(--charcoal);
}

.nav__links a:hover::after,
.nav__links a.active::after {
  width: 100%;
}

.nav__links a.active {
  color: var(--charcoal);
}

.btn {
  font-family: var(--sans);
  font-weight: 600;
  font-size: 14px;
  letter-spacing: .02em;
  cursor: pointer;
  border: none;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 13px 24px;
  border-radius: 2px;
  transition: all .3s var(--ease);
}

.btn--red {
  background: var(--red);
  color: var(--white);
}

.btn--red:hover {
  background: var(--red-dark);
  transform: translateY(-2px);
  box-shadow: 0 14px 34px -14px var(--red-glow);
}

.btn--gold {
  background: var(--red);
  color: var(--white);
}

.btn--gold:hover {
  background: var(--red-dark);
  transform: translateY(-2px);
  box-shadow: 0 14px 34px -14px var(--red-glow);
}

.btn--ghost {
  background: transparent;
  color: var(--charcoal);
  border: 1px solid var(--line-light);
}

.btn--ghost:hover {
  border-color: var(--red);
  color: var(--red);
}

.btn--lg {
  padding: 17px 34px;
  font-size: 15px;
}

.btn--ink {
  background: var(--charcoal);
  color: var(--white);
}

.btn--ink:hover {
  background: var(--gray-700);
  transform: translateY(-2px);
}

.btn .arr {
  transition: transform .3s var(--ease);
}

.btn:hover .arr {
  transform: translateX(4px);
}

.nav__burger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}

.nav__burger span {
  width: 24px;
  height: 1.5px;
  background: var(--charcoal);
  transition: .3s;
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding-top: 100px;
  padding-bottom: 96px;
  overflow: hidden;
  background: var(--gray-100) url("../images/screen1_v1.jpg") center / cover no-repeat;
}

.hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero__bg .glow {
  position: absolute;
  width: 900px;
  height: 900px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(215, 38, 61, .08), transparent 62%);
  top: -340px;
  right: -240px;
  filter: blur(10px);
}

.hero__bg .glow.two {
  width: 620px;
  height: 620px;
  top: auto;
  bottom: -300px;
  right: auto;
  left: -220px;
  background: radial-gradient(circle, rgba(215, 38, 61, .05), transparent 64%);
}

.grid-lines {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(0, 0, 0, .04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(0, 0, 0, .04) 1px, transparent 1px);
  background-size: 100% 100%;
  opacity: .5;
  -webkit-mask-image: radial-gradient(circle at 70% 30%, #000, transparent 75%);
  mask-image: radial-gradient(circle at 70% 30%, #000, transparent 75%);
}

.grain {
  position: absolute;
  inset: 0;
  pointer-events: none;
  opacity: .15;
  mix-blend-mode: overlay;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.5'/%3E%3C/svg%3E");
}

.hero__grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr minmax(0, 440px);
  gap: clamp(24px, 4vw, 84px);
  align-items: start;
  width: 100%;
}

.hero__col-l {
  max-width: 680px;
}

.hero h1 {
  font-size: clamp(32px, 4.5vw, 58px);
  margin: 26px 0 0;
  letter-spacing: -.02em;
  line-height: 1.05;
  color: var(--charcoal);
}

.hero h1 .it {
  font-style: italic;
  font-weight: 500;
  color: var(--red);
}

.hero__lead {
  grid-column: 1 / -1;
  margin-top: -40px;
  font-size: clamp(17px, 1.5vw, 22px);
  color: var(--gray-500);
  max-width: none;
  line-height: 1.7;
}

/* hero decision card */
.deck {
  position: relative;
}

/* ---- hero visual block ---- */
.hero-visual {
  position: relative;
  width: 100%;
  aspect-ratio: 1 / 1;
  max-width: 520px;
  min-width: 0;
  overflow: hidden;
}


/* shared card style */
.hv-card {
  position: absolute;
  background: var(--white);
  border-radius: 12px;
  padding: clamp(12px, 1.5vw, 18px) clamp(14px, 1.8vw, 22px);
  box-shadow: 0 12px 40px -12px rgba(0, 0, 0, .1);
  z-index: 2;
  max-width: 55%;
}

.hv-card__label {
  font-size: clamp(8px, 0.9vw, 10px);
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--gray-500);
}

.hv-card__amt {
  font-family: var(--serif);
  font-size: clamp(18px, 2.2vw, 28px);
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1.2;
  margin-top: 6px;
  white-space: nowrap;
}

/* Рахунок-фактура */
.hv-card--invoice {
  top: 6%;
  left: 0;
}

.hv-card__chart {
  display: block;
  width: 100%;
  max-width: 140px;
  height: 40px;
  margin-top: 10px;
}

/* Фінансування */
.hv-card--funding {
  bottom: 22%;
  right: 0;
}

.hv-card--funding .hv-card__row {
  display: flex;
  align-items: center;
  gap: 8px;
}

.hv-card--funding .hv-card__amt {
  font-size: clamp(16px, 1.9vw, 24px);
  margin-top: 6px;
}

.hv-badge {
  display: inline-flex;
  align-items: center;
  font-size: clamp(9px, 0.9vw, 11px);
  font-weight: 700;
  background: rgba(215, 38, 61, .1);
  color: var(--red);
  padding: 3px 10px;
  border-radius: 999px;
  margin-top: 6px;
}

.hv-progress {
  width: 100%;
  height: 6px;
  background: var(--gray-100);
  border-radius: 3px;
  margin-top: 10px;
  overflow: hidden;
}

.hv-progress__bar {
  height: 100%;
  background: var(--red);
  border-radius: 3px;
  transition: width 1.2s var(--ease);
}

/* Оборот */
.hv-card--turnover {
  bottom: 4%;
  left: 4%;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: clamp(10px, 1.2vw, 14px) clamp(14px, 1.6vw, 20px);
}

.hv-bars {
  display: flex;
  align-items: flex-end;
  gap: 4px;
  height: 28px;
}

.hv-bars span {
  width: 8px;
  background: var(--red);
  border-radius: 2px;
  display: block;
}

.hv-card__turnover-text {
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 700;
  color: var(--charcoal);
}

.hv-up {
  color: var(--red);
}

.card-fin {
  background: var(--white);
  border: 1px solid var(--line-light);
  border-radius: 6px;
  padding: 30px 30px 26px;
  box-shadow: 0 40px 80px -30px rgba(0, 0, 0, .1);
  position: relative;
  overflow: hidden;
}

.card-fin::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 3px;
  background: linear-gradient(90deg, var(--red), transparent);
}

.card-fin__top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
}

.card-fin__label {
  font-size: 11px;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--gray-500);
}

.badge-ok {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--red);
  border: 1px solid var(--red-soft);
  padding: 5px 11px;
  border-radius: 999px;
  display: inline-flex;
  align-items: center;
  gap: 7px;
}

.badge-ok .dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--red);
  box-shadow: 0 0 0 0 rgba(215, 38, 61, .6);
  animation: pulse 2.4s infinite;
}

@keyframes pulse {
  0% {
    box-shadow: 0 0 0 0 rgba(215, 38, 61, .55)
  }

  70% {
    box-shadow: 0 0 0 9px rgba(215, 38, 61, 0)
  }

  100% {
    box-shadow: 0 0 0 0 rgba(215, 38, 61, 0)
  }
}

.card-fin__amt {
  font-family: var(--serif);
  font-size: 52px;
  font-weight: 600;
  margin-top: 22px;
  letter-spacing: -.01em;
  color: var(--charcoal);
}

.card-fin__amt small {
  font-size: 22px;
  color: var(--gray-500);
}

.card-fin__sub {
  font-size: 13px;
  color: var(--gray-500);
  margin-top: 2px;
}

.card-fin__rows {
  margin-top: 24px;
  display: grid;
  gap: 13px;
}

.card-fin__row {
  display: flex;
  justify-content: space-between;
  font-size: 13.5px;
  padding-bottom: 13px;
  border-bottom: 1px solid var(--line-light);
}

.card-fin__row:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.card-fin__row span {
  color: var(--gray-500);
}

.card-fin__row b {
  font-weight: 600;
  color: var(--charcoal);
}

@media (prefers-reduced-motion: reduce) {
  .badge-ok .dot {
    animation: none;
  }
}

.scroll-hint {
  position: absolute;
  bottom: 34px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 3;
  font-size: 11px;
  letter-spacing: .25em;
  text-transform: uppercase;
  color: var(--gray-500);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  padding: 14px 22px;
  border-radius: 20px;
}

.scroll-hint .bar {
  width: 1px;
  height: 60px;
  background: linear-gradient(var(--red), transparent);
  position: relative;
  overflow: hidden;
}

.scroll-hint .bar::after {
  content: "";
  position: absolute;
  top: -40%;
  left: 0;
  width: 100%;
  height: 40%;
  background: var(--red-light);
  animation: drop 2s var(--ease) infinite;
}

@keyframes drop {
  to {
    top: 100%;
  }
}

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust {
  border-block: 1px solid var(--line-light);
  background: var(--white);
}

.trust__inner {
  display: flex;
  align-items: center;
  gap: clamp(24px, 5vw, 70px);
  justify-content: space-between;
  padding-block: 30px;
  flex-wrap: wrap;
}

.trust__label {
  font-size: 12px;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--gray-400);
  white-space: nowrap;
}

.trust__logos {
  display: flex;
  align-items: center;
  gap: clamp(28px, 4vw, 56px);
  flex-wrap: wrap;
}

.trust__logos .lg {
  font-family: var(--serif);
  font-size: 21px;
  font-weight: 600;
  color: var(--gray-400);
  opacity: .7;
  letter-spacing: .02em;
  transition: opacity .3s, color .3s;
}

.trust__logos .lg:hover {
  opacity: 1;
  color: var(--charcoal);
}

/* ============================================================
   NOTICE STRIP
   ============================================================ */
.notice {
  background: var(--white);
  border-bottom: 1px solid var(--line-light);
}

.notice__inner {
  display: flex;
  align-items: center;
  gap: 22px;
  padding-block: 22px;
}

.notice__tag {
  flex: none;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--red);
  border: 1px solid var(--red-soft);
  padding: 7px 14px;
  border-radius: 999px;
}

.notice p {
  font-size: 14.5px;
  color: var(--charcoal);
  line-height: 1.5;
}

/* ============================================================
   ABOUT
   ============================================================ */
.about {
  background: var(--white);
  padding-bottom: clamp(40px, 5vw, 72px);
}

.about__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(40px, 6vw, 90px);
  align-items: start;
}

.about__l h2 {
  font-size: clamp(30px, 3.6vw, 48px);
  margin-top: 20px;
  color: var(--charcoal);
}

.about__lead {
  color: var(--gray-500);
  margin-top: 24px;
  font-size: 16px;
  line-height: 1.75;
  max-width: 440px;
}

.about__facts {
  display: grid;
  gap: 1px;
  background: var(--line-light);
  border: 1px solid var(--line-light);
}

.fct {
  background: var(--gray-100);
  padding: 18px 24px;
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 18px;
  align-items: baseline;
}

.fct dt {
  font-size: 12.5px;
  color: var(--gray-500);
  letter-spacing: .02em;
}

.fct dd {
  font-size: 14.5px;
  font-weight: 600;
  color: var(--charcoal);
  line-height: 1.45;
}

/* ============================================================
   STATS
   ============================================================ */
.stats {
  background: var(--white);
  padding-top: clamp(40px, 5vw, 72px);
}

.stats__head {
  max-width: 720px;
  margin-bottom: clamp(48px, 6vw, 84px);
}

.stats__head h2 {
  font-size: clamp(34px, 4.4vw, 58px);
  margin-top: 20px;
  color: var(--charcoal);
}

.stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--line-light);
  border: 1px solid var(--line-light);
}

.stat {
  background: var(--white);
  padding: 40px 34px;
}

.stat__num {
  font-family: var(--serif);
  font-size: clamp(48px, 5vw, 72px);
  font-weight: 600;
  line-height: 1;
  letter-spacing: -.02em;
  white-space: nowrap;
  color: var(--charcoal);
}

.stat__num .u {
  color: var(--red);
}

.stat__lbl {
  margin-top: 16px;
  font-size: 14px;
  color: var(--gray-500);
  line-height: 1.5;
}

/* ============================================================
   FEATURES (services section)
   ============================================================ */
.features {
  background: var(--gray-100);
  color: var(--charcoal);
}

.features .eyebrow {
  color: var(--red);
}

.features .eyebrow::before {
  background: var(--red);
}

.features__head {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: end;
  margin-bottom: clamp(46px, 5vw, 76px);
}

.features__head h2 {
  font-size: clamp(34px, 4.4vw, 58px);
  margin-top: 20px;
  color: var(--charcoal);
}

.features__head p {
  color: var(--gray-500);
  font-size: 16px;
  max-width: 420px;
}

.feat-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line-light);
  border: 1px solid var(--line-light);
}

.feat {
  background: var(--gray-100);
  padding: 38px 34px 42px;
  transition: background .4s var(--ease);
  position: relative;
}

.feat:hover {
  background: var(--white);
}

.feat__no {
  font-family: var(--serif);
  font-size: 15px;
  color: var(--red);
  letter-spacing: .1em;
}

.feat__ic {
  width: 46px;
  height: 46px;
  margin-top: 22px;
  color: var(--charcoal);
}

.feat__ic svg {
  width: 100%;
  height: 100%;
  stroke: currentColor;
  stroke-width: 1.4;
  fill: none;
}

.feat h3 {
  font-size: 26px;
  margin-top: 22px;
  color: var(--charcoal);
}

.feat p {
  margin-top: 12px;
  font-size: 14.5px;
  color: var(--gray-500);
  line-height: 1.65;
}

/* ============================================================
   SECURITY (protection)
   ============================================================ */
.security {
  background: var(--charcoal);
  color: var(--white);
  position: relative;
  overflow: hidden;
  padding-top: clamp(48px, 6vw, 90px);
}

.security .glow {
  position: absolute;
  width: 700px;
  height: 700px;
  border-radius: 50%;
  right: -300px;
  top: -200px;
  background: radial-gradient(circle, rgba(215, 38, 61, .15), transparent 65%);
}

.security .eyebrow {
  color: var(--red-light);
}

.security .eyebrow::before {
  background: var(--red-light);
}

.sec__grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: clamp(40px, 6vw, 90px);
  align-items: center;
}

.sec__l h2 {
  font-size: clamp(34px, 4.4vw, 58px);
  margin-top: 20px;
  color: var(--white);
}

.sec__l p {
  color: var(--gray-300);
  margin-top: 24px;
  font-size: 16px;
  line-height: 1.75;
  max-width: 440px;
}

.sec__seal {
  margin-top: 36px;
  display: inline-flex;
  align-items: center;
  gap: 16px;
  padding: 16px 22px;
  border: 1px solid var(--red-soft);
  border-radius: 4px;
}

.sec__seal .ring {
  width: 44px;
  height: 44px;
  border: 1.5px solid var(--red);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--red-light);
  flex: none;
}

.sec__seal .tt b {
  display: block;
  font-size: 14px;
  color: var(--white);
}

.sec__seal .tt span {
  font-size: 12.5px;
  color: var(--gray-300);
}

.sec__list {
  display: grid;
  gap: 1px;
  background: var(--line-dark);
  border: 1px solid var(--line-dark);
}

.sec__item {
  background: var(--gray-800);
  padding: 26px 30px;
  display: flex;
  gap: 20px;
  align-items: flex-start;
}

.sec__item .k {
  width: 40px;
  height: 40px;
  flex: none;
  border-radius: 50%;
  border: 1px solid var(--line-dark);
  display: grid;
  place-items: center;
  color: var(--red-light);
}

.sec__item .k svg {
  width: 19px;
  height: 19px;
  stroke: currentColor;
  fill: none;
  stroke-width: 1.5;
}

.sec__item h4 {
  font-family: var(--sans);
  font-size: 16px;
  font-weight: 700;
  color: var(--white);
}

.sec__item p {
  font-size: 13.5px;
  color: var(--gray-300);
  margin-top: 6px;
  line-height: 1.6;
}

/* ============================================================
   REVIEWS
   ============================================================ */
.reviews {
  background: var(--gray-100);
  color: var(--charcoal);
}

.reviews .eyebrow {
  color: var(--red);
}

.reviews .eyebrow::before {
  background: var(--red);
}

.reviews__head {
  text-align: center;
  max-width: 700px;
  margin: 0 auto clamp(46px, 5vw, 76px);
}

.reviews__head .eyebrow {
  justify-content: center;
}

.reviews__head h2 {
  font-size: clamp(34px, 4.4vw, 58px);
  margin-top: 20px;
  color: var(--charcoal);
}

.rev-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.rev {
  background: var(--white);
  border: 1px solid var(--line-light);
  border-radius: 6px;
  padding: 34px 32px;
  display: flex;
  flex-direction: column;
}

.rev__quote {
  font-family: var(--serif);
  font-size: 20px;
  line-height: 1.45;
  color: var(--charcoal);
  font-weight: 500;
  flex: 1;
}

.rev__quote::before {
  content: "\201C";
  font-family: var(--serif);
  font-size: 60px;
  line-height: 0;
  color: var(--red);
  display: block;
  height: 30px;
}

.rev__by {
  margin-top: 26px;
  padding-top: 22px;
  border-top: 1px solid var(--line-light);
  display: flex;
  align-items: center;
  gap: 14px;
}

.rev__av {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  flex: none;
  background: var(--charcoal);
  color: var(--red-light);
  display: grid;
  place-items: center;
  font-family: var(--serif);
  font-size: 19px;
  font-weight: 600;
}

.rev__by b {
  display: block;
  font-family: var(--sans);
  font-size: 14.5px;
  font-weight: 700;
  color: var(--charcoal);
}

.rev__by span {
  font-size: 12.5px;
  color: var(--gray-500);
}

/* ============================================================
   CTA
   ============================================================ */
.cta {
  background: var(--white);
  position: relative;
  overflow: hidden;
}

.cta .grid-lines {
  -webkit-mask-image: radial-gradient(circle at 50% 50%, #000, transparent 72%);
  mask-image: radial-gradient(circle at 50% 50%, #000, transparent 72%);
  opacity: .4;
}

.cta__inner {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 760px;
  margin: 0 auto;
}

.cta h2 {
  font-size: clamp(38px, 5.4vw, 76px);
  margin-top: 22px;
  color: var(--charcoal);
}

.cta h2 .it {
  font-style: italic;
  color: var(--red);
  font-weight: 500;
}

.cta p {
  color: var(--gray-500);
  font-size: 17px;
  margin-top: 24px;
  max-width: 520px;
  margin-inline: auto;
}

.cta__btns {
  margin-top: 40px;
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

.cta__fine {
  margin-top: 28px;
  font-size: 13px;
  color: var(--gray-500);
}

/* ============================================================
   TARIFFS
   ============================================================ */
.tariffs {
  background: var(--gray-100);
  padding-bottom: clamp(48px, 6vw, 90px);
}

.tariffs__head {
  max-width: 720px;
  margin-bottom: clamp(40px, 5vw, 68px);
}

.tariffs__head h2 {
  font-size: clamp(34px, 4.4vw, 58px);
  margin-top: 20px;
  color: var(--charcoal);
}

.tariffs__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.tcard {
  background: var(--white);
  border: 1px solid var(--line-light);
  border-radius: 6px;
  padding: 34px 34px 30px;
  position: relative;
  overflow: hidden;
}

.tcard::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 3px;
  background: linear-gradient(90deg, var(--red), transparent);
}

.tcard h3 {
  font-size: 27px;
  color: var(--charcoal);
}

.tcard__note {
  font-size: 14px;
  color: var(--gray-500);
  margin-top: 12px;
  line-height: 1.6;
}

.trate {
  list-style: none;
  margin-top: 24px;
  display: grid;
  gap: 0;
}

.trate li {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 18px;
  padding: 15px 0;
  border-bottom: 1px solid var(--line-light);
}

.trate li:first-child {
  border-top: 1px solid var(--line-light);
}

.trate span {
  font-size: 14px;
  color: var(--gray-500);
}

.trate b {
  font-family: var(--serif);
  font-size: 26px;
  font-weight: 600;
  color: var(--red);
  flex: none;
}

.tcard__fine {
  font-size: 12.5px;
  color: var(--gray-500);
  margin-top: 18px;
  line-height: 1.6;
  font-style: italic;
}

.tariffs__calc {
  margin-top: 24px;
  display: flex;
  align-items: center;
  gap: 18px;
  background: var(--white);
  border: 1px solid var(--line-light);
  border-radius: 6px;
  padding: 22px 28px;
  transition: all .3s var(--ease);
}

.tariffs__calc:hover {
  border-color: var(--red);
  transform: translateY(-2px);
}

.tariffs__calc-ic {
  width: 46px;
  height: 46px;
  flex: none;
  border-radius: 50%;
  border: 1px solid var(--line-light);
  display: grid;
  place-items: center;
  color: var(--red);
}

.tariffs__calc-tt {
  flex: 1;
}

.tariffs__calc-tt b {
  display: block;
  font-family: var(--sans);
  font-size: 16px;
  font-weight: 700;
  color: var(--charcoal);
}

.tariffs__calc-tt span {
  font-size: 13.5px;
  color: var(--gray-500);
}

.tariffs__calc .arr {
  color: var(--red);
  font-size: 18px;
  transition: transform .3s var(--ease);
}

.tariffs__calc:hover .arr {
  transform: translateX(5px);
}

/* ============================================================
   DOCUMENTS
   ============================================================ */
.documents {
  background: var(--gray-100);
  color: var(--charcoal);
  padding-top: clamp(32px, 4vw, 56px);
}

.documents .eyebrow {
  color: var(--red);
}

.documents .eyebrow::before {
  background: var(--red);
}

.documents .reviews__head h2 {
  color: var(--charcoal);
}

.doc-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.doc {
  display: flex;
  align-items: center;
  gap: 18px;
  background: var(--white);
  border: 1px solid var(--line-light);
  border-radius: 6px;
  padding: 20px 24px;
  transition: all .3s var(--ease);
}

.doc:hover {
  border-color: var(--red);
  transform: translateY(-2px);
  box-shadow: 0 18px 40px -22px rgba(0, 0, 0, .12);
}

.doc__ic {
  flex: none;
  width: 44px;
  height: 44px;
  border-radius: 4px;
  background: var(--red);
  color: var(--white);
  display: grid;
  place-items: center;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .06em;
}

.doc__tt {
  flex: 1;
}

.doc__tt b {
  display: block;
  font-family: var(--sans);
  font-size: 15px;
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1.3;
}

.doc__tt span {
  font-size: 13px;
  color: var(--gray-500);
}

.doc .arr {
  color: var(--red);
  font-size: 18px;
  transition: transform .3s var(--ease);
}

.doc:hover .arr {
  transform: translate(3px, -3px);
}

/* ============================================================
   CONTACTS
   ============================================================ */
.contacts__row {
  margin-top: 44px;
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

.contact-pill {
  display: flex;
  align-items: center;
  gap: 14px;
  text-align: left;
  background: var(--gray-100);
  border: 1px solid var(--line-light);
  border-radius: 4px;
  padding: 16px 22px;
  transition: all .3s var(--ease);
  max-width: 340px;
}

a.contact-pill:hover {
  border-color: var(--red);
  transform: translateY(-2px);
}

.cp-ic {
  flex: none;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid var(--line-light);
  display: grid;
  place-items: center;
  color: var(--red);
}

.cp-tt span {
  display: block;
  font-size: 11.5px;
  color: var(--gray-500);
  letter-spacing: .04em;
}

.cp-tt b {
  font-family: var(--sans);
  font-size: 14.5px;
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1.35;
}

/* ============================================================
   FOOTER
   ============================================================ */
.foot {
  background: var(--charcoal);
  color: var(--white);
  border-top: 1px solid var(--line-light);
  padding-block: 70px 36px;
}

.foot .brand__name {
  color: var(--white);
}

.foot .brand__bar {
  background: var(--red);
}

.foot__top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
}

.foot__brand .brand {
  margin-bottom: 20px;
}

.foot__brand p {
  color: var(--gray-400);
  font-size: 14px;
  max-width: 290px;
  line-height: 1.7;
}

.foot col,
.foot__col {}

.foot__col h5 {
  font-family: var(--sans);
  font-size: 12px;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 20px;
}

.foot__col a {
  display: block;
  font-size: 14px;
  color: var(--gray-400);
  padding: 7px 0;
  transition: color .25s;
}

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

.foot__bottom {
  margin-top: 56px;
  padding-top: 28px;
  border-top: 1px solid var(--line-dark);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.foot__bottom p {
  font-size: 13px;
  color: var(--gray-400);
}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1280px) {
  .nav__links {
    gap: clamp(4px, 0.8vw, 12px);
  }

  .nav__links a {
    font-size: 11px;
  }
}

@media (max-width: 960px) {
  .nav__links a {
    font-size: 10px;
    letter-spacing: 0;
  }

  .nav__links {
    gap: 4px;
  }
}

@media (max-width: 640px) {
  .nav__links {
    display: none !important;
  }

  .nav__burger {
    display: flex;
  }
}

@media (max-width: 860px) {
  .hero__grid {
    grid-template-columns: 1fr;
  }

  .deck {
    display: none;
  }

  .hero {
    min-height: auto;
    padding-block: 130px 90px;
  }

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

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

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

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

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

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

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

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

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

@media (max-width: 640px) {

  .stats__grid,
  .feat-grid {
    grid-template-columns: 1fr;
  }

  .foot__top {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .hero__meta {
    gap: 24px;
  }

  .scroll-hint {
    display: none;
  }

  .notice__inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
  }

  .fct {
    grid-template-columns: 1fr;
    gap: 4px;
  }

  .contact-pill {
    width: 100%;
    max-width: none;
  }
}

/* ============================================================
   APPLY MODAL
   ============================================================ */
.apply-modal {
  position: fixed;
  inset: 0;
  z-index: 100;
  display: none;
}

.apply-modal.open {
  display: block;
}

.apply-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, .5);
  backdrop-filter: blur(6px);
  animation: fade .35s var(--ease);
}

@keyframes fade {
  from {
    opacity: 0;
  }

  to {
    opacity: 1;
  }
}

.apply-card {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -48%);
  width: min(520px, calc(100vw - 36px));
  max-height: 92vh;
  overflow-y: auto;
  background: var(--white);
  color: var(--charcoal);
  border-radius: 8px;
  padding: 40px clamp(26px, 4vw, 44px) 38px;
  box-shadow: 0 50px 110px -30px rgba(0, 0, 0, .3);
  animation: pop .4s var(--ease);
}

@keyframes pop {
  from {
    opacity: 0;
    transform: translate(-50%, -44%);
  }

  to {
    opacity: 1;
    transform: translate(-50%, -48%);
  }
}

.apply-card .eyebrow {
  color: var(--red);
}

.apply-card .eyebrow::before {
  background: var(--red);
}

.apply-close {
  position: absolute;
  top: 18px;
  right: 20px;
  background: none;
  border: none;
  font-size: 30px;
  line-height: 1;
  color: var(--gray-500);
  cursor: pointer;
  transition: color .25s;
}

.apply-close:hover {
  color: var(--charcoal);
}

.apply-card h3 {
  font-size: 32px;
  margin-top: 16px;
  color: var(--charcoal);
}

.apply-sub {
  font-size: 14.5px;
  color: var(--gray-500);
  margin-top: 10px;
  line-height: 1.6;
}

.apply-form {
  margin-top: 26px;
  display: grid;
  gap: 16px;
}

.apply-form label {
  display: grid;
  gap: 7px;
  font-size: 13px;
  font-weight: 600;
  color: var(--charcoal);
}

.apply-form input[type="text"],
.apply-form input[type="email"] {
  font-family: var(--sans);
  font-size: 15px;
  font-weight: 500;
  color: var(--charcoal);
  padding: 13px 15px;
  border: 1px solid var(--line-light);
  border-radius: 4px;
  background: var(--white);
  transition: border-color .25s, box-shadow .25s;
}

.apply-form input::placeholder {
  color: #9aa6b6;
  font-weight: 400;
}

.apply-form input:focus {
  outline: none;
  border-color: var(--red);
  box-shadow: 0 0 0 3px var(--red-soft);
}

.apply-file input[type="file"] {
  display: none;
}

.apply-file .ff-top {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}

.apply-file .ff-top em {
  font-style: normal;
  font-weight: 500;
  font-size: 11.5px;
  color: var(--gray-500);
  letter-spacing: .02em;
}

.ff-drop {
  display: block;
  text-align: center;
  padding: 22px 16px;
  border: 1px dashed var(--gray-400);
  border-radius: 4px;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--gray-500);
  cursor: pointer;
  transition: all .25s;
}

.ff-drop:hover {
  border-color: var(--red);
  color: var(--charcoal);
  background: var(--red-soft);
}

.ff-drop.has-file {
  border-style: solid;
  border-color: var(--red);
  color: var(--charcoal);
  background: var(--red-soft);
}

.apply-form .btn {
  margin-top: 6px;
  justify-content: center;
}

/* success state */
.apply-done {
  display: none;
  text-align: center;
  padding: 14px 0 6px;
}

.apply-card.show-done>.eyebrow,
.apply-card.show-done>h3,
.apply-card.show-done>.apply-sub,
.apply-card.show-done>.apply-form {
  display: none;
}

.apply-card.show-done .apply-done {
  display: block;
}

.apply-check {
  width: 70px;
  height: 70px;
  margin: 0 auto 20px;
  border-radius: 50%;
  background: var(--red);
  color: var(--white);
  display: grid;
  place-items: center;
}

.apply-done h3 {
  margin-top: 0;
}

.apply-done .btn {
  margin-top: 26px;
  display: inline-flex;
}

/* ============================================================
   CONTACTS EXTENDED
   ============================================================ */
.contacts__grid {
  margin-top: 36px;
  max-width: 680px;
  margin-inline: auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.contacts__grid .contact-pill {
  max-width: none;
  width: 100%;
}

.contacts__pill-wide {
  grid-column: 1 / -1;
}

.contacts__war-notice {
  margin-top: 36px;
  max-width: 700px;
  margin-inline: auto;
  background: var(--gray-100);
  border: 1px solid var(--line-light);
  border-radius: 6px;
  padding: 28px;
  border-left: 3px solid var(--red);
}

.contacts__war-notice p {
  font-size: 14px;
  color: var(--gray-500);
  line-height: 1.7;
  text-align: left;
  margin: 0;
}

/* ============================================================
   DOCUMENT GROUPS
   ============================================================ */
.doc-group__title {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--red);
  margin-top: 52px;
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 14px;
}

.doc-group__title::before {
  content: "";
  width: 26px;
  height: 1px;
  background: var(--red);
  flex: none;
}

.doc-group__title::after {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--line-light);
}

.doc-group__title:first-of-type {
  margin-top: 0;
}

.doc-group__title--light {
  color: var(--red);
}

.doc-group__title--light::after {
  background: var(--line-light);
}

.doc-group__title--light::before {
  background: var(--red);
}

/* ============================================================
   ACCORDION (security section)
   ============================================================ */
.sec__accordion {
  display: grid;
  gap: 0;
}

.sec__accordion summary {
  cursor: pointer;
  list-style: none;
}

.sec__accordion summary::-webkit-details-marker {
  display: none;
}

.sec__accordion summary::marker {
  display: none;
  content: "";
}

.sec__item--toggle {
  position: relative;
}

.sec__chevron {
  position: absolute;
  right: 24px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--red-light);
  transition: transform .3s var(--ease);
  display: grid;
  place-items: center;
}

.sec__accordion[open]>summary .sec__chevron {
  transform: translateY(-50%) rotate(180deg);
}

.sec__accordion-body {
  background: rgba(0, 0, 0, .3);
  padding: 24px 30px 24px 80px;
  border-bottom: 1px solid var(--line-dark);
}

.sec__accordion-body p {
  font-size: 13.5px;
  color: var(--gray-300);
  line-height: 1.7;
  margin-top: 8px;
}

.sec__accordion-body p:first-child {
  margin-top: 0;
}

.sec__accordion-body a {
  color: var(--red-light);
  text-decoration: underline;
  text-underline-offset: 3px;
  transition: color .25s;
}

.sec__accordion-body a:hover {
  color: var(--red);
}

.sec__doc-links {
  display: grid;
  gap: 8px;
}

.sec__doc-links a {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13.5px;
  color: var(--red-light);
  text-decoration: none;
  padding: 8px 0;
  border-bottom: 1px solid var(--line-dark);
  transition: color .25s;
}

.sec__doc-links a::before {
  content: "\2197";
  font-size: 12px;
  color: var(--red);
  flex: none;
}

.sec__doc-links a:last-child {
  border-bottom: none;
}

.sec__doc-links a:hover {
  color: var(--red);
}

/* ============================================================
   CONSUMER LENDING
   ============================================================ */
.lending {
  background: var(--white);
  color: var(--charcoal);
  padding-bottom: clamp(32px, 4vw, 56px);
}

.lending .eyebrow {
  color: var(--red);
}

.lending .eyebrow::before {
  background: var(--red);
}

.lending__head {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: end;
  margin-bottom: clamp(40px, 5vw, 68px);
}

.lending__head h2 {
  font-size: clamp(34px, 4.4vw, 58px);
  margin-top: 20px;
  color: var(--charcoal);
}

.lending__head h2 .it {
  font-style: italic;
  color: var(--red);
  font-weight: 500;
}

.lending__head p {
  color: var(--gray-500);
  font-size: 16px;
  max-width: 420px;
}

.lending__notice {
  background: var(--gray-100);
  border: 1px solid var(--line-light);
  margin-bottom: 36px;
  border-radius: 6px;
  padding: 0 24px;
}

.lending__notice .notice__inner {
  padding-block: 18px;
}

.lending__notice .notice__tag {
  color: var(--red);
  border-color: var(--red-soft);
}

.lending__notice p {
  color: var(--charcoal);
}

.lending__calc {
  margin-top: 32px;
  background: var(--gray-100);
  border-color: var(--line-light);
}

.lending__calc:hover {
  border-color: var(--red);
}

.lending__calc .tariffs__calc-tt b {
  color: var(--charcoal);
}

.lending__calc .tariffs__calc-tt span {
  color: var(--gray-500);
}

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

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

@media (max-width: 640px) {
  .sec__accordion-body {
    padding-left: 30px;
  }
}

@media (max-height: 760px) {
  .scroll-hint {
    display: none;
  }
}

/* mobile menu */
.mmenu {
  position: fixed;
  inset: 0;
  z-index: 60;
  background: var(--white);
  display: flex;
  flex-direction: column;
  padding: 30px var(--gutter);
  transform: translateY(-100%);
  transition: transform .5s var(--ease), visibility .5s var(--ease);
  visibility: hidden;
}

.mmenu.open {
  transform: none;
  visibility: visible;
}

@media (min-width: 641px) {
  .mmenu {
    display: none !important;
  }
}

.mmenu__top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 48px;
}

.mmenu__close {
  background: none;
  border: none;
  color: var(--charcoal);
  font-size: 30px;
  cursor: pointer;
  line-height: 1;
}

.mmenu__links {
  margin-top: 50px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.mmenu__links a {
  font-family: var(--serif);
  font-size: 34px;
  color: var(--charcoal);
  padding: 12px 0;
  border-bottom: 1px solid var(--line-light);
}

.mmenu .btn {
  margin-top: 40px;
  justify-content: center;
}