:root {
  --forest: #0c3b3f;
  --forest-deep: #072a2d;
  --forest-soft: #165257;
  --lime: #b9f28c;
  --lime-strong: #a3e673;
  --cream: #f4f5f0;
  --sand: #e5ebe4;
  --ink: #10201f;
  --muted: #566866;
  --line: #d5ddd4;
  --white: #ffffff;
  --logo-ink: var(--forest);

  --radius: 18px;
  --radius-sm: 12px;
  --shadow: 0 20px 50px -24px rgba(7, 42, 45, 0.45);
  --font: "Manrope", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-display: "Instrument Serif", Georgia, serif;
}

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

html { scroll-behavior: smooth; scroll-padding-top: 84px; }

body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; }
h1, h2, h3 { margin: 0; line-height: 1.12; }
h2 { font-family: var(--font-display); font-weight: 400; font-size: clamp(2.1rem, 4.2vw, 3.2rem); letter-spacing: -0.01em; }
h3 { font-size: 1.12rem; font-weight: 700; }
p { margin: 0; }

.container { width: 100%; max-width: 1180px; margin: 0 auto; padding: 0 20px; }

.skip-link {
  position: absolute; left: 12px; top: -60px; z-index: 100;
  padding: 10px 16px; border-radius: 8px;
  background: var(--lime); color: var(--forest-deep); font-weight: 700;
}
.skip-link:focus { top: 12px; }

:focus-visible { outline: 3px solid var(--lime-strong); outline-offset: 3px; }

.eyebrow {
  display: inline-block;
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--lime);
  margin-bottom: 16px;
}
.eyebrow-dark { color: var(--forest-soft); }
.muted { color: var(--muted); }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 15px 28px; border: 0; border-radius: 999px;
  font: inherit; font-weight: 700; text-decoration: none; cursor: pointer;
  transition: transform .15s ease, background-color .15s ease, box-shadow .15s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-sm { padding: 10px 20px; font-size: 0.95rem; }
.btn-block { width: 100%; }
.btn-accent { background: var(--lime); color: var(--forest-deep); box-shadow: 0 8px 24px -10px rgba(163, 230, 115, .9); }
.btn-accent:hover { background: var(--lime-strong); }
.btn-primary { background: var(--forest); color: var(--white); }
.btn-primary:hover { background: var(--forest-soft); }

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(7, 42, 45, 0.92);
  backdrop-filter: blur(10px);
  color: var(--white);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.header-inner { display: flex; align-items: center; gap: 32px; height: 72px; }

.logo { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; font-size: 1.25rem; text-decoration: none; letter-spacing: -0.02em; }
.logo-mark { width: 32px; height: 32px; color: var(--lime); }

.main-nav { display: flex; gap: 28px; margin-right: auto; }
.main-nav a { text-decoration: none; font-weight: 500; font-size: 0.97rem; opacity: .82; }
.main-nav a:hover { opacity: 1; }

.header-actions { display: flex; align-items: center; gap: 20px; }
.link-login { text-decoration: none; font-weight: 600; opacity: .9; }

.nav-toggle { display: none; width: 40px; height: 40px; border: 0; background: transparent; cursor: pointer; padding: 10px 8px; }
.nav-toggle span { display: block; height: 2px; background: var(--white); border-radius: 2px; transition: transform .2s ease; }
.nav-toggle span + span { margin-top: 7px; }
.nav-open .nav-toggle span:first-child { transform: translateY(4.5px) rotate(45deg); }
.nav-open .nav-toggle span:last-child { transform: translateY(-4.5px) rotate(-45deg); }

.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(900px 500px at 85% 10%, rgba(185, 242, 140, 0.16), transparent 60%),
    radial-gradient(700px 500px at 0% 100%, rgba(22, 82, 87, 0.9), transparent 70%),
    var(--forest-deep);
  color: var(--white);
  padding: 56px 0 72px;
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: linear-gradient(rgba(255,255,255,.035) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.035) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: linear-gradient(to bottom, #000, transparent 85%);
}
.hero-inner { position: relative; z-index: 1; display: flex; flex-direction: column; align-items: center; gap: 32px; }

.hero-title {
  font-family: var(--font-display); font-weight: 400; text-align: center;
  font-size: clamp(1.9rem, 3.6vw, 2.9rem); letter-spacing: -0.015em; line-height: 1.1;
  text-wrap: balance;
}
.hero-title em { font-style: normal; color: var(--lime); }

.calc {
  width: 100%; max-width: 520px;
  background: var(--cream); color: var(--ink);
  border-radius: 26px; padding: 32px;
  box-shadow: 0 40px 80px -30px rgba(0, 0, 0, 0.6);
}
.calc-label { display: block; text-align: center; font-weight: 600; color: var(--muted); }
.calc-stepper { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin: 10px 0 20px; }
.calc-amount { flex: 1; text-align: center; font-family: var(--font-display); font-size: 3.4rem; line-height: 1; color: var(--forest); font-variant-numeric: tabular-nums; }
.step-btn {
  flex: none; width: 52px; height: 52px; border-radius: 50%;
  border: 1.5px solid var(--line); background: var(--white); color: var(--forest);
  font: inherit; font-size: 1.6rem; font-weight: 600; line-height: 1; cursor: pointer;
  display: grid; place-items: center;
  transition: background-color .15s ease, border-color .15s ease;
}
.step-btn:hover:not(:disabled) { border-color: var(--forest); background: var(--lime); }
.step-btn:disabled { opacity: .35; cursor: not-allowed; }

.range {
  --fill: 26%;
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 8px; border-radius: 999px; margin: 8px 0;
  background: linear-gradient(to right, var(--forest) var(--fill), var(--sand) var(--fill));
  cursor: pointer;
}
.range::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--lime); border: 4px solid var(--forest);
  box-shadow: 0 4px 12px rgba(7, 42, 45, .3);
}
.range::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--lime); border: 4px solid var(--forest);
}
.range-scale { display: flex; justify-content: space-between; font-size: 0.85rem; color: var(--muted); }

.calc-chips { display: flex; gap: 8px; margin: 22px 0 24px; }
.calc-chips button {
  flex: 1; padding: 10px 8px; border-radius: var(--radius-sm);
  border: 1.5px solid var(--line); background: var(--white);
  font: inherit; font-size: 0.92rem; font-weight: 600; color: var(--ink); cursor: pointer;
  transition: border-color .15s ease, background-color .15s ease;
}
.calc-chips button:hover,
.calc-chips button[aria-pressed="true"] { border-color: var(--forest); background: #eaf3e6; }

.calc-note { margin-top: 14px; text-align: center; font-size: 0.82rem; color: var(--muted); line-height: 1.5; }

.section { padding: 104px 0; }
.section-tint { background: var(--sand); }
.section-dark { background: var(--forest); color: var(--white); }
.section-dark p { color: rgba(255, 255, 255, 0.78); }
.section-head { max-width: 640px; margin-bottom: 56px; }

.cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.card {
  background: var(--white); border-radius: var(--radius); padding: 30px 26px;
  border: 1px solid var(--line);
  transition: transform .2s ease, box-shadow .2s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.card h3 { margin: 22px 0 10px; }
.card p { color: var(--muted); font-size: 0.97rem; }
.card-icon {
  width: 52px; height: 52px; border-radius: 14px;
  display: grid; place-items: center;
  background: var(--forest); color: var(--lime);
}
.card-icon svg { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }

.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; counter-reset: step; }
.steps li { position: relative; padding: 28px 24px 30px; border-top: 2px solid var(--forest); }
.steps h3 { margin: 18px 0 10px; }
.steps p { color: var(--muted); font-size: 0.97rem; }
.step-num {
  display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: 50%;
  background: var(--forest); color: var(--lime); font-weight: 800; font-size: 0.9rem;
}

.split { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 72px; align-items: start; }
.split h2 { margin-bottom: 20px; }
.split .btn { margin-top: 32px; }

.checklist { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.checklist li {
  display: grid; grid-template-columns: 34px 1fr; column-gap: 16px;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: 20px 22px;
}
.checklist li::before {
  content: ""; grid-row: span 2; width: 34px; height: 34px; border-radius: 50%;
  background: var(--lime) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23072a2d' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 12 5 5 9-10'/%3E%3C/svg%3E") center / 18px no-repeat;
}
.checklist span { color: var(--muted); font-size: 0.95rem; }

.repay-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.repay-list li {
  padding: 22px 24px; border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.06); border: 1px solid rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.8);
}
.repay-list strong { color: var(--lime); }

.faq-wrap { max-width: 860px; }
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  list-style: none; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center; gap: 24px;
  padding: 24px 0; font-weight: 700; font-size: 1.1rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; flex: none; width: 36px; height: 36px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--sand); color: var(--forest); font-size: 1.4rem; font-weight: 500;
  transition: transform .2s ease, background-color .2s ease;
}
.faq details[open] summary::after { transform: rotate(45deg); background: var(--lime); }
.faq details p { padding: 0 60px 26px 0; color: var(--muted); }

.notice {
  display: flex; gap: 24px; align-items: flex-start;
  background: var(--white); border: 1px solid var(--line); border-left: 6px solid #e0a43a;
  border-radius: var(--radius); padding: 32px;
}
.notice h2 { font-family: var(--font); font-weight: 800; font-size: 1.3rem; margin-bottom: 8px; }
.notice p { color: var(--muted); }
.notice a { color: var(--forest); font-weight: 700; }
.notice-icon {
  flex: none; width: 44px; height: 44px; border-radius: 50%;
  display: grid; place-items: center;
  background: #fbefd6; color: #a8701a; font-weight: 800; font-size: 1.3rem;
}

.cta { background: var(--forest-deep); color: var(--white); padding: 96px 0; text-align: center; }
.cta-inner { display: flex; flex-direction: column; align-items: center; gap: 16px; }
.cta h2 { font-size: clamp(2.4rem, 5vw, 4rem); }
.cta p { color: rgba(255, 255, 255, 0.72); margin-bottom: 16px; }

.reviews { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.review {
  margin: 0; display: flex; flex-direction: column; gap: 16px;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px 26px;
}
.stars { color: #e3a52f; letter-spacing: 3px; font-size: 1.05rem; }
.star-off { color: var(--line); }
.review blockquote { margin: 0; flex: 1; font-size: 1rem; line-height: 1.6; }
.review figcaption { display: flex; align-items: center; gap: 12px; padding-top: 16px; border-top: 1px solid var(--line); }
.review figcaption strong { display: block; font-size: 0.95rem; }
.review figcaption span:last-child { font-size: 0.85rem; color: var(--muted); }
.review figcaption strong { color: var(--ink); }
.avatar {
  flex: none; width: 42px; height: 42px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--forest); color: var(--lime); font-weight: 800; font-size: 0.85rem;
}

.site-footer { background: var(--ink); color: rgba(255, 255, 255, 0.72); padding: 72px 0 32px; font-size: 0.95rem; }
.site-footer .logo { color: var(--white); }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; }
.footer-tag { margin-top: 16px; max-width: 280px; }
.site-footer h3 { color: var(--white); font-size: 0.85rem; letter-spacing: 0.12em; text-transform: uppercase; margin-bottom: 16px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.site-footer a { text-decoration: none; }
.site-footer a:hover { color: var(--lime); }
.footer-legal {
  margin-top: 56px; padding-top: 28px; border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: grid; gap: 6px; font-size: 0.82rem; color: rgba(255, 255, 255, 0.5);
}

@media (max-width: 1024px) {
  .cards, .steps, .reviews { grid-template-columns: repeat(2, 1fr); }
  .split { grid-template-columns: 1fr; gap: 40px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 860px) {
  .main-nav {
    position: absolute; top: 100%; left: 0; right: 0;
    flex-direction: column; gap: 0;
    background: var(--forest-deep); padding: 8px 20px 24px;
    max-height: calc(100dvh - 100%); overflow-y: auto;
    box-shadow: 0 24px 40px -24px rgba(0, 0, 0, 0.5);
    opacity: 0; visibility: hidden; transform: translateY(-8px);
    transition: opacity .2s ease, transform .2s ease, visibility 0s linear .2s;
  }
  .main-nav a { padding: 14px 0; border-bottom: 1px solid rgba(255, 255, 255, 0.08); font-size: 1.05rem; }
  .nav-open .main-nav {
    opacity: 1; visibility: visible; transform: translateY(0);
    transition: opacity .2s ease, transform .2s ease, visibility 0s;
  }
  .site-header.nav-open { background: var(--forest-deep); }
  .nav-toggle { display: block; }
  .header-inner { justify-content: space-between; }
  .link-login { display: none; }
}

@media (max-width: 640px) {
  body { font-size: 16px; }
  h2 { font-size: 2rem; }
  .container { padding: 0 16px; }

  .site-header { background: var(--forest-deep); backdrop-filter: none; }
  .header-inner { height: 60px; }
  .header-actions .btn { display: none; }

  .hero { padding: 16px 0 28px; }
  .hero-inner { gap: 18px; }
  .hero-inner .calc { order: -1; }
  .hero-title { font-size: 1.35rem; }
  .calc { padding: 22px 18px; border-radius: 22px; }
  .calc-amount { font-size: 2.6rem; }
  .calc-stepper { margin: 8px 0 16px; }
  .step-btn { width: 48px; height: 48px; }
  .calc-chips { margin: 18px 0 18px; }
  .calc-note { font-size: 0.78rem; }


  .section { padding: 56px 0; }
  .section-head { margin-bottom: 28px; }

  .cards { grid-template-columns: 1fr; gap: 10px; }
  .card { display: grid; grid-template-columns: 44px 1fr; column-gap: 16px; padding: 18px; border-radius: var(--radius-sm); }
  .card:hover { transform: none; box-shadow: none; }
  .card-icon { width: 44px; height: 44px; border-radius: 12px; grid-row: span 2; }
  .card-icon svg { width: 20px; height: 20px; }
  .card h3 { margin: 2px 0 4px; font-size: 1.02rem; }
  .card p { font-size: 0.93rem; }

  .steps { grid-template-columns: 1fr; gap: 0; }
  .steps li { display: grid; grid-template-columns: 40px 1fr; column-gap: 16px; padding: 0 0 24px; border-top: 0; }
  .steps li:not(:last-child)::before {
    content: ""; position: absolute; left: 19px; top: 44px; bottom: 4px; width: 2px; background: var(--line);
  }
  .step-num { width: 40px; height: 40px; grid-row: span 2; }
  .steps h3 { margin: 8px 0 4px; }
  .steps p { font-size: 0.93rem; }

  .reviews {
    grid-template-columns: none; grid-auto-flow: column; grid-auto-columns: 84%;
    gap: 12px; overflow-x: auto; scroll-snap-type: x mandatory;
    margin: 0 -16px; padding: 0 16px 8px; scroll-padding: 0 16px;
    scrollbar-width: none;
  }
  .reviews::-webkit-scrollbar { display: none; }
  .review { scroll-snap-align: start; padding: 22px 20px; }

  #requirements .split { display: flex; flex-direction: column; gap: 0; }
  #requirements .split > div { display: contents; }
  #requirements .split .muted { margin-bottom: 24px; }
  #requirements .split .btn { order: 2; margin-top: 24px; width: 100%; }
  .checklist { gap: 8px; }
  .checklist li { padding: 14px 16px; column-gap: 14px; grid-template-columns: 28px 1fr; }
  .checklist li::before { width: 28px; height: 28px; background-size: 15px; }

  .split { gap: 28px; }
  .repay-list li { padding: 16px 18px; }

  .faq summary { padding: 18px 0; font-size: 1rem; }
  .faq summary::after { width: 32px; height: 32px; }
  .faq details p { padding: 0 0 20px; }

  .notice { flex-direction: row; gap: 14px; padding: 20px 18px; }
  .notice-icon { width: 36px; height: 36px; font-size: 1.1rem; }
  .notice h2 { font-size: 1.1rem; }
  .notice p { font-size: 0.93rem; }

  .cta { padding: 64px 0; }
  .cta .btn { width: 100%; }

  .site-footer { padding: 48px 0 28px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px 20px; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
  .footer-grid > div:nth-child(2) { grid-column: 1 / -1; }
  .footer-legal { margin-top: 36px; }
}

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