:root {
    --ccf-ink: #172033;
    --ccf-muted: #667085;
    --ccf-line: #e6e8ef;
    --ccf-surface: #ffffff;
    --ccf-soft: #f4f7fb;
    --ccf-primary: #b3132b;
    --ccf-primary-dark: #8f1023;
    --ccf-gold: #d7a83f;
    --ccf-radius: 8px;
    --ccf-shadow: 0 20px 50px rgba(23, 32, 51, 0.12);
}

* {
    box-sizing: border-box;
}

body {
    margin: 0;
    color: var(--ccf-ink);
    background: #fff;
    font-family: Arial, Helvetica, sans-serif;
    line-height: 1.6;
}

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

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

.container {
    width: min(1120px, calc(100% - 32px));
    margin: 0 auto;
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 50;
    background: rgba(255, 255, 255, 0.96);
    border-bottom: 1px solid var(--ccf-line);
    backdrop-filter: blur(12px);
}

.header-inner,
.footer-grid,
.hero-grid,
.choose-grid,
.contact-grid,
.cta-inner {
    display: grid;
    gap: 28px;
}

.header-inner {
    grid-template-columns: auto 1fr;
    align-items: center;
    min-height: 76px;
}

.site-brand {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-weight: 800;
    color: var(--ccf-ink);
}

.brand-mark {
    display: inline-grid;
    width: 42px;
    height: 42px;
    place-items: center;
    color: #fff;
    background: linear-gradient(135deg, var(--ccf-primary), #171b4d);
    border-radius: 8px;
    font-size: 14px;
    letter-spacing: 0;
}

.primary-nav {
    justify-self: end;
}

.menu {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 0;
    margin: 0;
    list-style: none;
}

.menu a {
    display: inline-flex;
    min-height: 40px;
    align-items: center;
    padding: 8px 12px;
    border-radius: 6px;
    color: var(--ccf-muted);
    font-weight: 700;
}

.menu a:hover,
.menu .current-menu-item a {
    color: var(--ccf-primary);
    background: #fff1f3;
}

.nav-toggle {
    display: none;
    justify-self: end;
    min-height: 40px;
    border: 1px solid var(--ccf-line);
    border-radius: 6px;
    background: #fff;
    color: var(--ccf-ink);
    font-weight: 700;
}

.hero-section {
    overflow: hidden;
    color: #fff;
    background:
        linear-gradient(120deg, rgba(23, 32, 51, 0.96), rgba(140, 15, 37, 0.9)),
        radial-gradient(circle at 80% 20%, rgba(215, 168, 63, 0.35), transparent 36%);
}

.hero-grid {
    grid-template-columns: minmax(0, 1.05fr) minmax(320px, 0.95fr);
    align-items: center;
    min-height: 620px;
    padding: 72px 0;
}

.hero-copy h1,
.page-hero h1,
.section-heading h2,
.choose-grid h2,
.cta-section h2 {
    margin: 0;
    line-height: 1.08;
    letter-spacing: 0;
}

.hero-copy h1 {
    max-width: 680px;
    font-size: clamp(42px, 7vw, 78px);
}

.hero-copy p {
    max-width: 600px;
    color: rgba(255, 255, 255, 0.82);
    font-size: 18px;
}

.eyebrow {
    margin: 0 0 12px;
    color: var(--ccf-gold);
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 0;
    text-transform: uppercase;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 30px;
}

.button {
    display: inline-flex;
    min-height: 46px;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 18px;
    border: 1px solid transparent;
    border-radius: 6px;
    cursor: pointer;
    font-weight: 800;
    text-align: center;
    transition: transform 160ms ease, box-shadow 160ms ease, background 160ms ease;
}

.button:hover {
    transform: translateY(-1px);
}

.button-primary {
    color: #fff;
    background: var(--ccf-primary);
    box-shadow: 0 10px 24px rgba(179, 19, 43, 0.24);
}

.button-primary:hover {
    background: var(--ccf-primary-dark);
}

.button-secondary,
.button-light {
    color: var(--ccf-ink);
    background: #fff;
}

.button-secondary {
    border-color: rgba(255, 255, 255, 0.45);
}

.hero-card-stack {
    position: relative;
    min-height: 360px;
}

.finance-card {
    position: relative;
    overflow: hidden;
    aspect-ratio: 1.64;
    border-radius: 14px;
    color: #fff;
    background:
        linear-gradient(135deg, var(--card-accent, var(--ccf-primary)), #171b4d 78%),
        linear-gradient(45deg, transparent, rgba(255,255,255,0.2));
    box-shadow: var(--ccf-shadow);
}

.finance-card::before {
    content: "";
    position: absolute;
    top: 18%;
    right: -8%;
    width: 48%;
    aspect-ratio: 1;
    border: 1px solid rgba(255, 255, 255, 0.24);
    border-radius: 50%;
}

.finance-card::after {
    content: "";
    position: absolute;
    right: 24px;
    bottom: 22px;
    width: 52px;
    height: 36px;
    border-radius: 8px;
    background: linear-gradient(135deg, #f5d56b, #b8841d);
}

.visual-card {
    position: absolute;
    width: min(430px, 88%);
    padding: 28px;
}

.visual-card span,
.bank-card-visual span {
    position: relative;
    z-index: 1;
    display: block;
    font-size: 14px;
    font-weight: 800;
    opacity: 0.84;
}

.visual-card strong,
.bank-card-visual strong {
    position: absolute;
    left: 28px;
    bottom: 28px;
    z-index: 1;
    font-size: 24px;
}

.visual-card-one {
    top: 20px;
    right: 0;
    --card-accent: #b3132b;
}

.visual-card-two {
    left: 0;
    bottom: 18px;
    --card-accent: #0d6b8f;
}

.section {
    padding: 84px 0;
}

.section-muted {
    background: var(--ccf-soft);
}

.section-heading {
    max-width: 680px;
    margin-bottom: 34px;
}

.section-heading h2,
.choose-grid h2,
.cta-section h2,
.page-hero h1 {
    font-size: clamp(32px, 5vw, 52px);
}

.card-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 18px;
}

.bank-card {
    overflow: hidden;
    border: 1px solid var(--ccf-line);
    border-radius: var(--ccf-radius);
    background: var(--ccf-surface);
    box-shadow: 0 12px 28px rgba(23, 32, 51, 0.06);
}

.bank-card-visual {
    margin: 16px;
    padding: 22px;
    border-radius: 10px;
}

.bank-card-body {
    padding: 0 18px 20px;
}

.bank-card h3 {
    margin: 0 0 8px;
    font-size: 22px;
    line-height: 1.2;
}

.bank-card p {
    margin: 0 0 14px;
    color: var(--ccf-muted);
}

.bank-card ul {
    min-height: 112px;
    padding: 0;
    margin: 0 0 18px;
    list-style: none;
}

.bank-card li {
    position: relative;
    padding-left: 20px;
    color: var(--ccf-ink);
    font-size: 14px;
}

.bank-card li + li {
    margin-top: 8px;
}

.bank-card li::before {
    content: "";
    position: absolute;
    top: 9px;
    left: 0;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--card-accent, var(--ccf-primary));
}

.bank-card .button {
    width: 100%;
}

.choose-grid {
    grid-template-columns: 0.9fr 1.1fr;
    align-items: start;
}

.feature-list {
    display: grid;
    gap: 14px;
}

.feature-list article,
.contact-panel,
.contact-form,
.about-stats > div {
    border: 1px solid var(--ccf-line);
    border-radius: var(--ccf-radius);
    background: #fff;
}

.feature-list article {
    display: grid;
    gap: 4px;
    padding: 18px;
}

.feature-list span,
.content-narrow,
.contact-panel p {
    color: var(--ccf-muted);
}

.cta-section {
    padding: 56px 0;
    color: #fff;
    background: #172033;
}

.cta-inner {
    grid-template-columns: 1fr auto;
    align-items: center;
}

.site-footer {
    color: rgba(255, 255, 255, 0.76);
    background: #111827;
}

.footer-grid {
    grid-template-columns: 1.3fr 0.8fr 1fr;
    padding: 48px 0;
}

.footer-brand {
    color: #fff;
}

.site-footer h3 {
    margin: 0 0 14px;
    color: #fff;
}

.site-footer .menu {
    display: grid;
    gap: 6px;
}

.site-footer .menu a {
    min-height: auto;
    padding: 0;
    color: rgba(255, 255, 255, 0.76);
    background: transparent;
}

.footer-bottom {
    padding: 16px;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    text-align: center;
}

.footer-bottom p {
    margin: 0;
}

.page-hero {
    padding: 86px 0;
    color: #fff;
    background: linear-gradient(120deg, #172033, #8f1023);
}

.content-narrow {
    max-width: 780px;
}

.about-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 14px;
    margin-top: 32px;
}

.about-stats > div {
    padding: 20px;
}

.about-stats strong {
    display: block;
    color: var(--ccf-primary);
    font-size: 32px;
    line-height: 1;
}

.contact-grid {
    grid-template-columns: 0.85fr 1.15fr;
    align-items: start;
}

.contact-panel,
.contact-form {
    padding: 24px;
}

.contact-form,
.lead-form {
    display: grid;
    gap: 16px;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
}

label span {
    display: block;
    margin-bottom: 6px;
    color: var(--ccf-ink);
    font-weight: 800;
}

input,
select,
textarea {
    width: 100%;
    min-height: 46px;
    padding: 11px 12px;
    border: 1px solid #cfd5e3;
    border-radius: 6px;
    color: var(--ccf-ink);
    background: #fff;
    font: inherit;
}

textarea {
    min-height: 120px;
    resize: vertical;
}

.apply-modal {
    position: fixed;
    inset: 0;
    z-index: 100;
    display: grid;
    place-items: center;
    padding: 18px;
    background: rgba(17, 24, 39, 0.64);
}

.apply-modal[hidden] {
    display: none;
}

.apply-dialog {
    position: relative;
    width: min(860px, 100%);
    max-height: calc(100vh - 36px);
    overflow: auto;
    padding: 28px;
    border-radius: var(--ccf-radius);
    background: #fff;
    box-shadow: var(--ccf-shadow);
}

.apply-dialog h2 {
    margin: 0 0 18px;
}

.modal-close {
    position: absolute;
    top: 14px;
    right: 14px;
    display: grid;
    width: 36px;
    height: 36px;
    place-items: center;
    border: 1px solid var(--ccf-line);
    border-radius: 6px;
    background: #fff;
    color: var(--ccf-ink);
    cursor: pointer;
    font-size: 24px;
    line-height: 1;
}

.hp-field {
    position: absolute;
    left: -9999px;
}

.form-note,
.form-message {
    margin: 0;
    color: var(--ccf-muted);
    font-size: 14px;
}

.eligibility-panel,
.tracking-box,
.payment-box {
    border: 1px solid var(--ccf-line);
    border-radius: var(--ccf-radius);
    background: var(--ccf-soft);
}

.eligibility-panel,
.tracking-box {
    display: grid;
    gap: 4px;
    padding: 16px;
}

.eligibility-panel span,
.tracking-box span,
.payment-box span {
    color: var(--ccf-muted);
}

.application-preview {
    display: grid;
    grid-template-columns: minmax(260px, 0.9fr) 1fr;
    gap: 16px;
    align-items: stretch;
}

.preview-card {
    min-height: 190px;
    padding: 24px;
}

.preview-card em {
    position: absolute;
    left: 24px;
    bottom: 68px;
    z-index: 1;
    font-style: normal;
    font-size: 20px;
    font-weight: 800;
    letter-spacing: 0;
}

.payment-box {
    display: grid;
    grid-template-columns: 148px 1fr;
    gap: 18px;
    padding: 16px;
}

.qr-wrap {
    display: grid;
    place-items: center;
    min-height: 148px;
    border-radius: 6px;
    background: #fff;
}

.qr-wrap img,
.qr-placeholder {
    width: 124px;
    height: 124px;
}

.qr-placeholder {
    border: 8px solid #111827;
    background:
        linear-gradient(90deg, #111827 10px, transparent 10px) 0 0 / 24px 24px,
        linear-gradient(#111827 10px, transparent 10px) 0 0 / 24px 24px,
        #fff;
}

.checkbox-label {
    display: grid;
    grid-template-columns: 18px 1fr;
    gap: 10px;
    align-items: start;
    margin: 12px 0;
}

.checkbox-label input {
    width: 18px;
    min-height: 18px;
    margin-top: 3px;
}

.checkbox-label span {
    margin: 0;
    color: var(--ccf-ink);
    font-weight: 700;
}

.form-message.is-error {
    color: #b42318;
}

.form-message.is-success {
    color: #067647;
}

.uppercase-input {
    text-transform: uppercase;
}

@media (max-width: 980px) {
    .hero-grid,
    .choose-grid,
    .application-preview,
    .contact-grid,
    .footer-grid {
        grid-template-columns: 1fr;
    }

    .card-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .hero-grid {
        min-height: auto;
    }

    .hero-card-stack {
        min-height: 320px;
    }
}

@media (max-width: 720px) {
    .header-inner {
        grid-template-columns: 1fr auto;
    }

    .nav-toggle {
        display: inline-flex;
        align-items: center;
        padding: 8px 12px;
    }

    .primary-nav {
        display: none;
        grid-column: 1 / -1;
        justify-self: stretch;
        padding-bottom: 16px;
    }

    .primary-nav.is-open {
        display: block;
    }

    .menu {
        display: grid;
        gap: 4px;
    }

    .menu a {
        padding-inline: 0;
    }

    .hero-section {
        background: linear-gradient(145deg, #172033, #8f1023);
    }

    .hero-grid {
        padding: 48px 0 28px;
    }

    .hero-copy h1 {
        font-size: 42px;
    }

    .hero-card-stack {
        min-height: 250px;
    }

    .visual-card {
        width: min(340px, 92%);
    }

    .section {
        padding: 56px 0;
    }

    .card-grid,
    .form-grid,
    .payment-box,
    .about-stats {
        grid-template-columns: 1fr;
    }

    .cta-inner {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 420px) {
    .container {
        width: min(100% - 24px, 1120px);
    }

    .hero-copy h1 {
        font-size: 36px;
    }

    .button {
        width: 100%;
    }

    .apply-dialog {
        padding: 22px;
    }
}