:root{
  --blue:#292f91; --blue2:#1f2578; --orange:#f7931e; --ink:#172033;
  --muted:#667085; --light:#f6f8fc; --white:#fff; --line:#e5e7eb;
  --shadow:0 14px 40px rgba(23,32,51,.10); --radius:18px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,Segoe UI,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{text-decoration:none;color:inherit}
.container{width:min(1180px,92%);margin:auto}
.topbar{background:var(--blue2);color:#fff;font-size:13px;padding:8px 0}
.topbar .container{display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap}
.nav{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid #eee}
.nav-inner{height:82px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.logo{height:58px;width:auto;object-fit:contain}
.navlinks{display:flex;align-items:center;gap:25px;font-size:15px;font-weight:600}
.navlinks a:hover{color:var(--orange)}
.btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:10px;padding:13px 21px;font-weight:700;cursor:pointer;transition:.2s}
.btn-primary{background:var(--orange);color:#fff}
.btn-primary:hover{background:#e8820c;transform:translateY(-1px)}
.btn-blue{background:var(--blue);color:#fff}
.btn-outline{border:1px solid var(--blue);color:var(--blue);background:#fff}
.hero{background:linear-gradient(135deg,#f5f7ff 0%,#fff 62%);padding:72px 0 80px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:55px;align-items:center}
.badge{display:inline-block;background:#fff0df;color:#c46a00;border-radius:30px;padding:7px 13px;font-size:13px;font-weight:800;margin-bottom:18px}
h1{font-size:clamp(38px,5vw,62px);line-height:1.08;letter-spacing:-2px;margin-bottom:20px}
h1 span,.accent{color:var(--orange)}
.hero p{font-size:18px;color:var(--muted);max-width:650px;margin-bottom:28px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.hero-card{background:#fff;border-radius:24px;padding:28px;box-shadow:var(--shadow);border:1px solid #eef0f5}
.hero-card h3{font-size:22px;margin-bottom:16px}
.quick-form{display:grid;gap:12px}
input,select,textarea{width:100%;padding:13px 14px;border:1px solid #d9dde7;border-radius:10px;font:inherit;outline:none;background:#fff}
input:focus,select:focus,textarea:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(41,47,145,.08)}
textarea{min-height:130px;resize:vertical}
.section{padding:76px 0}
.section-light{background:var(--light)}
.section-head{text-align:center;max-width:760px;margin:0 auto 42px}
.section-head h2{font-size:36px;line-height:1.2;margin-bottom:12px}
.section-head p{color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:25px;box-shadow:0 5px 18px rgba(23,32,51,.04)}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px);transition:.2s}
.icon{width:48px;height:48px;border-radius:13px;background:#eef0ff;color:var(--blue);display:grid;place-items:center;font-size:23px;margin-bottom:17px}
.card h3{margin-bottom:8px;font-size:20px}.card p{color:var(--muted);font-size:14px}
.loan-card{display:flex;flex-direction:column;min-height:235px}
.loan-card .more{margin-top:auto;padding-top:18px;color:var(--blue);font-weight:700;font-size:14px}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.stat{background:#fff;border-radius:16px;padding:24px;text-align:center;border:1px solid var(--line)}
.stat strong{font-size:30px;color:var(--blue);display:block}.stat span{font-size:13px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step{position:relative}.step-num{width:42px;height:42px;background:var(--orange);color:#fff;border-radius:50%;display:grid;place-items:center;font-weight:800;margin-bottom:14px}
.cta{background:linear-gradient(135deg,var(--blue),#454cc0);color:#fff;border-radius:26px;padding:48px;display:flex;justify-content:space-between;align-items:center;gap:30px}
.cta p{color:#dfe3ff;margin-top:8px}
.page-hero{padding:58px 0;background:linear-gradient(135deg,#f4f6ff,#fff)}
.page-hero h1{font-size:44px;margin-bottom:8px}.page-hero p{color:var(--muted)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:35px;align-items:start}
.list{list-style:none;display:grid;gap:12px}.list li:before{content:"✓";color:var(--orange);font-weight:900;margin-right:10px}
.form-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.full{grid-column:1/-1}
.form-title{font-size:25px;margin-bottom:17px}
.notice{padding:14px;border-radius:10px;background:#f7f8fb;color:var(--muted);font-size:13px;margin-top:14px}
.calc{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:var(--shadow)}
.calc-result{background:#f1f3ff;border-radius:15px;padding:20px;margin-top:20px;text-align:center}.calc-result strong{font-size:32px;color:var(--blue)}
.footer{background:#111936;color:#dfe4f3;padding:55px 0 20px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:35px}.footer h4{color:#fff;margin-bottom:15px}.footer a{display:block;color:#c8cde0;margin:8px 0;font-size:14px}.footer a:hover{color:#fff}.footer-logo{height:60px;background:#fff;border-radius:7px;padding:4px;margin-bottom:12px}.copyright{border-top:1px solid #2b3354;margin-top:35px;padding-top:18px;font-size:12px;color:#aeb5ca}
.mobile-menu{display:none;background:none;border:0;font-size:28px;color:var(--blue)}
.toast{display:none;position:fixed;right:20px;bottom:20px;background:#111936;color:#fff;padding:14px 18px;border-radius:10px;z-index:100}
@media(max-width:900px){
 .navlinks{display:none}.mobile-menu{display:block}.hero-grid,.two-col{grid-template-columns:1fr}
 .grid{grid-template-columns:repeat(2,1fr)}.stats{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}
 .footer-grid{grid-template-columns:1fr 1fr}.cta{flex-direction:column;align-items:flex-start}
}
@media(max-width:600px){
 .topbar .container{justify-content:center}.nav-inner{height:70px}.logo{height:50px}
 .hero{padding:50px 0}.section{padding:55px 0}.grid,.stats,.steps,.footer-grid,.form-grid{grid-template-columns:1fr}
 h1{font-size:40px}.page-hero h1{font-size:36px}.cta{padding:30px}
}