:root {
      --bg: #edf4f2;
      --panel: #ffffff;
      --ink: #0a1d1d;
      --muted: #526a67;
      --primary: #0a4c5a;
      --primary-2: #0f6d7d;
      --gold: #f3c95e;
      --gold-2: #d8a733;
      --green: #0f7f5f;
      --danger: #bf3d48;
      --line: rgba(10, 29, 29, 0.12);
      --shadow: 0 24px 60px rgba(5, 24, 29, 0.18);
      --radius: 20px;
    }

    * { box-sizing: border-box; }
    html { scroll-behavior: smooth; }
    body {
      margin: 0;
      font-family: 'Manrope', sans-serif;
      background: linear-gradient(180deg, #eefaf8 0%, #edf1f3 100%);
      color: var(--ink);
      line-height: 1.55;
    }
    h1,h2,h3,h4,.logo-text,.hero-title { font-family: 'Sora', sans-serif; }
    a { color: inherit; text-decoration: none; }
    button,input { font: inherit; }
    img { max-width: 100%; display: block; }
    .wrap { width: min(1180px, calc(100% - 32px)); margin: 0 auto; }
    .btn {
      border: none;
      border-radius: 999px;
      cursor: pointer;
      font-weight: 800;
      padding: 14px 22px;
      transition: transform 0.18s ease, box-shadow 0.18s ease;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
    }
    .btn:hover { transform: translateY(-1px); }
    .btn-gold {
      background: linear-gradient(180deg, var(--gold) 0%, var(--gold-2) 100%);
      color: #08252d;
      box-shadow: 0 12px 22px rgba(216, 167, 51, 0.35);
    }
    .btn-primary {
      background: linear-gradient(180deg, var(--primary) 0%, #0d2d46 100%);
      color: white;
      box-shadow: 0 14px 28px rgba(10, 76, 90, 0.28);
    }
    .btn-light {
      background: rgba(255,255,255,0.08);
      color: white;
      border: 1px solid rgba(255,255,255,0.2);
    }
    .btn-outline {
      background: transparent;
      color: var(--ink);
      border: 1px solid var(--line);
    }

    /* HEADER */
    header {
      position: sticky;
      top: 0;
      z-index: 50;
      background: rgba(238, 244, 242, 0.78);
      backdrop-filter: blur(10px);
      border-bottom: 1px solid rgba(10,29,29,0.08);
    }
    .nav {
      display: flex;
      align-items: center;
      justify-content: space-between;
      min-height: 76px;
      gap: 16px;
    }
    .logo {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      font-weight: 900;
      font-size: 1.18rem;
      color: #0c1f21;
    }
    .brand-logo {
      width: 132px;
      height: 46px;
      object-fit: contain;
      object-position: left center;
    }
    .logo-mark {
      width: 34px;
      height: 34px;
      border-radius: 50%;
      background: linear-gradient(135deg, #f4d87a 0%, #f0b947 45%, #d2941a 100%);
      display: grid;
      place-items: center;
      font-family: 'Sora', sans-serif;
      font-size: 0.9rem;
      font-weight: 900;
      color: #0b2d35;
      box-shadow: inset 0 0 0 2px rgba(255,255,255,0.5);
    }
    .nav-links {
      display: flex;
      align-items: center;
      gap: 28px;
      font-size: 0.95rem;
      color: var(--muted);
      font-weight: 700;
    }
    .nav-links a:hover { color: var(--primary); }
    .nav-cta { display: flex; align-items: center; gap: 10px; }

    /* HERO */
    .hero {
      position: relative;
      overflow: hidden;
      background: radial-gradient(circle at 20% 10%, rgba(19, 112, 139, 0.42), transparent 26%),
                  linear-gradient(135deg, #0d3a71 0%, #0d5e9a 18%, #0b2d4c 62%, #092329 100%);
      color: white;
      padding: 70px 0 84px;
    }
    .hero::before {
      content: "";
      position: absolute;
      inset: 0;
      background: linear-gradient(90deg, rgba(255,255,255,0.06) 0%, transparent 24%, transparent 76%, rgba(255,255,255,0.06) 100%);
      pointer-events: none;
    }
    .hero-grid {
      display: grid;
      grid-template-columns: 1.1fr 0.9fr;
      gap: 42px;
      align-items: center;
      position: relative;
      z-index: 1;
    }
    .eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 12px;
      font-size: 0.78rem;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      font-weight: 800;
      color: #f4d77d;
      opacity: 0.95;
    }
    .eyebrow::before {
      content: "";
      width: 22px;
      height: 2px;
      background: #f4d77d;
      display: inline-block;
    }
    .hero-title {
      font-size: clamp(2.5rem, 5vw, 5rem);
      line-height: 0.96;
      letter-spacing: -0.06em;
      margin: 16px 0 18px;
      font-weight: 800;
    }
    .hero-title .gold { color: var(--gold); }
    .lead {
      max-width: 530px;
      font-size: 1.08rem;
      line-height: 1.65;
      color: rgba(255,255,255,0.8);
      margin: 0 0 24px;
    }
    .hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 26px; }
    .hero-stats {
      display: flex;
      gap: 26px;
      flex-wrap: wrap;
      padding-top: 10px;
    }
    .hero-stat strong {
      display: block;
      font-size: 1.45rem;
      font-family: 'Sora', sans-serif;
      color: white;
    }
    .hero-stat span {
      color: rgba(255,255,255,0.68);
      font-size: 0.82rem;
    }

    .hero-badge {
      width: min(620px, 90vw);
      aspect-ratio: 1;
      margin: 0 auto;
      border-radius: 28px;
      overflow: hidden;
      background: #08263e;
      box-shadow: 0 0 0 10px rgba(245, 215, 119, 0.12), 0 22px 50px rgba(0,0,0,0.28);
      position: relative;
    }
    .hero-logo-image {
      width: 100%;
      height: 100%;
      object-fit: cover;
      display: block;
    }
    .hero-badge-inner {
      width: 100%;
      height: 100%;
      border-radius: 50%;
      background: linear-gradient(180deg, rgba(4,19,38,0.78), rgba(2,20,34,0.95));
      position: relative;
      overflow: hidden;
      display: grid;
      place-items: center;
      border: 1px solid rgba(255,255,255,0.12);
    }
    .hero-badge-inner::before {
      content: "";
      position: absolute;
      inset: 0;
      background: linear-gradient(180deg, rgba(255,255,255,0.04), rgba(255,255,255,0));
    }
    .big-logo {
      position: relative;
      z-index: 1;
      font-family: 'Sora', sans-serif;
      font-weight: 900;
      font-size: clamp(4.8rem, 12vw, 13rem);
      letter-spacing: -0.11em;
      color: #f3cf67;
      text-shadow: 0 14px 30px rgba(243, 207, 103, 0.18);
      transform: rotate(-5deg);
      line-height: 0.75;
    }
    .big-logo-sub {
      position: absolute;
      z-index: 1;
      bottom: 15%;
      left: 50%;
      transform: translateX(-50%);
      white-space: nowrap;
      font-family: 'Sora', sans-serif;
      font-weight: 900;
      font-size: clamp(2rem, 4vw, 4rem);
      letter-spacing: -0.05em;
      color: white;
      text-shadow: 0 10px 18px rgba(0,0,0,0.24);
    }
    .big-logo-sub small {
      display: block;
      font-size: clamp(0.75rem, 1vw, 1.5rem);
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: #f4d77d;
      margin-top: 4px;
    }
    .hero-note {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: rgba(255,255,255,0.07);
      border: 1px solid rgba(255,255,255,0.12);
      border-radius: 999px;
      padding: 9px 14px;
      font-weight: 800;
      color: white;
      margin-top: 18px;
      font-size: 0.92rem;
    }

    /* TRUST BAR */
    .trustbar {
      background: #0d2128;
      color: rgba(255,255,255,0.72);
      padding: 25px 0;
      border-top: 1px solid rgba(255,255,255,0.08);
      border-bottom: 1px solid rgba(255,255,255,0.08);
    }
    .trustbar-inner {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 18px;
      flex-wrap: wrap;
      font-size: 0.92rem;
    }
    .trustbar-inner b { color: var(--gold); font-size: 1.1rem; }

    .service-icons {
      padding: 28px 0;
      background: rgba(255,255,255,0.72);
      border-bottom: 1px solid var(--line);
    }
    .service-icon-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 14px;
    }
    .service-icon-card {
      display: flex;
      align-items: center;
      gap: 12px;
      min-height: 82px;
      padding: 12px;
      background: rgba(255,255,255,0.86);
      border: 1px solid var(--line);
      border-radius: 16px;
      box-shadow: 0 8px 20px rgba(10,29,29,0.04);
    }
    .service-icon-card img {
      width: 52px;
      height: 52px;
      object-fit: contain;
      flex: 0 0 52px;
    }
    .service-icon-card strong,
    .service-icon-card span { display: block; }
    .service-icon-card strong { font-size: 0.86rem; color: var(--ink); margin-bottom: 3px; }
    .service-icon-card span { font-size: 0.7rem; line-height: 1.35; color: var(--muted); }

    /* SECTIONS */
    section { padding: 86px 0; }
    .section-head {
      max-width: 650px;
      margin-bottom: 30px;
    }
    .section-tag {
      display: inline-block;
      color: var(--gold-2);
      font-weight: 800;
      text-transform: uppercase;
      letter-spacing: 0.12em;
      font-size: 0.78rem;
      margin-bottom: 12px;
    }
    .section-head h2 {
      font-size: clamp(2rem, 3vw, 3.1rem);
      letter-spacing: -0.05em;
      line-height: 1.08;
      margin: 0;
      color: var(--ink);
    }
    .section-head p {
      color: var(--muted);
      margin-top: 16px;
      font-size: 1.02rem;
    }

    /* CALC */
    .calc-shell {
      max-width: 760px;
      margin: 0 auto;
      background: linear-gradient(180deg, #fff 0%, #f8faf9 100%);
      border: 1px solid var(--line);
      border-radius: 28px;
      box-shadow: var(--shadow);
      padding: 28px 26px 24px;
      position: relative;
      overflow: hidden;
    }
    .calc-shell::before {
      content: "";
      position: absolute;
      inset: 14px;
      border: 1px dashed rgba(10,29,29,0.12);
      border-radius: 22px;
      pointer-events: none;
    }
    .calc-top {
      display: flex;
      justify-content: space-between;
      align-items: center;
      gap: 12px;
      position: relative;
      z-index: 1;
    }
    .calc-top h3 {
      margin: 0;
      font-size: 0.82rem;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: var(--muted);
      font-weight: 800;
    }
    .badge {
      background: rgba(17, 113, 93, 0.08);
      color: var(--primary-2);
      border-radius: 999px;
      padding: 7px 12px;
      font-size: 0.72rem;
      font-weight: 800;
      text-transform: uppercase;
      letter-spacing: 0.05em;
    }
    .calc-amount {
      position: relative;
      z-index: 1;
      margin: 18px 0 8px;
      font-family: 'JetBrains Mono', monospace;
      font-size: clamp(2.6rem, 4vw, 4rem);
      font-weight: 800;
      letter-spacing: -0.06em;
      color: var(--ink);
    }
    .calc-amount .sign { color: var(--gold-2); font-size: 0.55em; }
    .field-label {
      position: relative;
      z-index: 1;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 10px;
      margin-top: 22px;
      color: var(--muted);
      font-size: 0.82rem;
      font-weight: 800;
      letter-spacing: 0.02em;
    }
    .field-label strong {
      color: var(--ink);
      font-family: 'JetBrains Mono', monospace;
      font-size: 0.9rem;
    }
    input[type="range"] {
      -webkit-appearance: none;
      appearance: none;
      width: 100%;
      height: 7px;
      border-radius: 999px;
      background: linear-gradient(90deg, var(--gold) 0%, var(--gold) var(--fill), rgba(10,29,29,0.1) var(--fill));
      outline: none;
      position: relative;
      z-index: 1;
      margin-top: 8px;
    }
    input[type="range"]::-webkit-slider-thumb {
      -webkit-appearance: none;
      appearance: none;
      width: 22px;
      height: 22px;
      border-radius: 50%;
      background: var(--primary);
      border: 4px solid var(--gold);
      box-shadow: 0 3px 10px rgba(10, 29, 29, 0.2);
      cursor: pointer;
    }
    input[type="range"]::-moz-range-thumb {
      width: 22px;
      height: 22px;
      border-radius: 50%;
      background: var(--primary);
      border: 4px solid var(--gold);
      cursor: pointer;
    }
    .calc-results {
      position: relative;
      z-index: 1;
      display: flex;
      justify-content: space-between;
      gap: 18px;
      margin-top: 26px;
      padding-top: 18px;
      border-top: 1px solid var(--line);
    }
    .calc-results div span {
      display: block;
      font-size: 0.74rem;
      color: var(--muted);
      margin-bottom: 4px;
      font-weight: 800;
      text-transform: uppercase;
      letter-spacing: 0.06em;
    }
    .calc-results div strong {
      font-size: 1.35rem;
      font-family: 'JetBrains Mono', monospace;
      color: var(--ink);
    }
    .calc-shell .btn { width: 100%; margin-top: 18px; position: relative; z-index: 1; }

    /* STEPS */
    .steps { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
    .step {
      background: #fff;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 26px 22px;
      position: relative;
      box-shadow: 0 10px 24px rgba(11, 26, 31, 0.04);
    }
    .step .num {
      width: 38px;
      height: 38px;
      border-radius: 12px;
      background: rgba(243, 201, 94, 0.18);
      color: var(--gold-2);
      font-weight: 900;
      display: grid;
      place-items: center;
      font-family: 'JetBrains Mono', monospace;
      margin-bottom: 18px;
    }
    .step h3 {
      margin: 0 0 10px;
      font-size: 1.15rem;
      color: var(--ink);
    }
    .step p {
      margin: 0;
      color: var(--muted);
      font-size: 0.96rem;
    }
    .step:not(:last-child)::after {
      content: "→";
      position: absolute;
      right: -16px;
      top: 52px;
      color: var(--gold-2);
      font-size: 1.5rem;
      font-weight: 900;
    }

    /* PRODUCTS */
    .products { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
    .product {
      background: #fff;
      border: 1px solid var(--line);
      border-radius: 22px;
      padding: 24px 22px;
      display: flex;
      flex-direction: column;
    }
    .product.featured {
      background: linear-gradient(180deg, #0b1d2e 0%, #0d3c4a 100%);
      color: white;
      transform: translateY(-10px);
      box-shadow: 0 24px 40px rgba(8, 31, 42, 0.24);
    }
    .product .tag {
      align-self: flex-start;
      padding: 8px 12px;
      border-radius: 999px;
      background: rgba(17, 113, 93, 0.08);
      color: var(--primary-2);
      font-size: 0.72rem;
      font-weight: 800;
      text-transform: uppercase;
      letter-spacing: 0.08em;
      margin-bottom: 18px;
    }
    .product.featured .tag {
      background: rgba(243, 201, 94, 0.12);
      color: #f9e29c;
    }
    .product h3 { margin: 0; font-size: 1.4rem; }
    .product .amount {
      font-family: 'JetBrains Mono', monospace;
      font-size: 2rem;
      font-weight: 800;
      letter-spacing: -0.04em;
      margin-top: 12px;
    }
    .product .term { color: var(--muted); font-size: 0.82rem; font-weight: 800; }
    .product.featured .term { color: rgba(255,255,255,0.7); }
    .product ul {
      list-style: none;
      padding: 0;
      margin: 18px 0 24px;
      display: grid;
      gap: 10px;
      flex: 1;
    }
    .product li {
      display: flex;
      align-items: flex-start;
      gap: 8px;
      font-size: 0.94rem;
      color: var(--muted);
      line-height: 1.55;
    }
    .product.featured li { color: rgba(255,255,255,0.7); }
    .product li::before {
      content: "✓";
      color: var(--gold-2);
      font-weight: 900;
      margin-top: 1px;
    }
    .product.featured li::before { color: #f3cf67; }

    /* AUTH PANEL */
    .account-wrap { display: grid; grid-template-columns: 420px 1fr; gap: 24px; align-items: start; }
    .auth-box, .dashboard-box {
      background: #fff;
      border: 1px solid var(--line);
      border-radius: 22px;
      padding: 22px;
      box-shadow: 0 16px 36px rgba(11, 26, 31, 0.06);
    }
    .auth-tabs {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 8px;
      padding: 8px;
      background: #eef6f4;
      border-radius: 14px;
      margin-bottom: 18px;
    }
    .auth-tab {
      background: transparent;
      border: none;
      cursor: pointer;
      border-radius: 10px;
      padding: 11px 12px;
      font-weight: 900;
      color: var(--primary-2);
      transition: all 0.18s ease;
    }
    .auth-tab.active {
      background: white;
      box-shadow: 0 8px 18px rgba(14, 46, 45, 0.08);
    }
    .auth-form.hidden, .dashboard-box.hidden { display: none; }
    .field { margin-bottom: 14px; }
    .field label {
      display: block;
      margin-bottom: 6px;
      color: var(--ink);
      font-size: 0.76rem;
      font-weight: 900;
      text-transform: uppercase;
      letter-spacing: 0.08em;
    }
    .field input {
      width: 100%;
      padding: 12px 14px;
      border-radius: 12px;
      border: 1px solid var(--line);
      background: #fafdfb;
      color: var(--ink);
      font-size: 0.98rem;
      transition: border-color 0.15s ease, box-shadow 0.15s ease;
    }
    .field input:focus {
      outline: none;
      border-color: rgba(10, 76, 90, 0.5);
      box-shadow: 0 0 0 4px rgba(10, 76, 90, 0.1);
    }
    .profile-head {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 16px;
      margin-bottom: 18px;
    }
    .profile-head h3 {
      margin: 0;
      font-size: 1.9rem;
      letter-spacing: -0.05em;
      color: var(--ink);
    }
    .chip {
      background: rgba(17, 113, 93, 0.08);
      color: var(--primary-2);
      border-radius: 999px;
      padding: 8px 12px;
      font-size: 0.72rem;
      font-weight: 900;
      letter-spacing: 0.05em;
      text-transform: uppercase;
    }
    .stats {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 12px;
      margin: 18px 0 20px;
    }
    .stat-box {
      background: linear-gradient(180deg, #f7faf9 0%, #edf6f3 100%);
      border: 1px solid var(--line);
      border-radius: 16px;
      padding: 14px 12px;
    }
    .stat-box span {
      display: block;
      font-size: 0.7rem;
      text-transform: uppercase;
      letter-spacing: 0.08em;
      color: var(--muted);
      font-weight: 800;
    }
    .stat-box strong {
      display: block;
      margin-top: 8px;
      font-family: 'JetBrains Mono', monospace;
      font-size: 1.5rem;
      color: var(--ink);
    }
    .dashboard-head {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 12px;
      margin: 18px 0 16px;
    }
    .dashboard-head h4 {
      margin: 0;
      font-size: 1.3rem;
    }
    .loan-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
    .loan-item {
      display: flex;
      justify-content: space-between;
      gap: 12px;
      align-items: center;
      border: 1px solid var(--line);
      border-radius: 14px;
      padding: 12px 14px;
      background: #fff;
    }
    .loan-item strong {
      display: block;
      font-size: 0.95rem;
      margin-bottom: 4px;
    }
    .loan-item small {
      display: block;
      color: var(--muted);
      font-size: 0.74rem;
      font-weight: 700;
    }
    .status-pill {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      border-radius: 999px;
      padding: 7px 10px;
      font-size: 0.68rem;
      font-weight: 900;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      white-space: nowrap;
    }
    .status-pill.ok { background: rgba(15,127,95,0.1); color: var(--green); }
    .status-pill.wait { background: rgba(243,201,94,0.16); color: #7e5d00; }
    .status-pill.warn { background: rgba(191,61,72,0.1); color: var(--danger); }
    .admin-link { margin: 20px 0 0; font-size: 0.82rem; font-weight: 800; }
    .admin-link a { color: var(--primary-2); }
    .admin-list { display: grid; gap: 16px; }
    .admin-card { border: 1px solid var(--line); border-radius: 16px; padding: 18px; background: #fbfdfc; }
    .admin-card-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 16px; margin-bottom: 16px; }
    .admin-card-head h3 { margin: 3px 0 0; font-size: 1.2rem; }
    .status-select { border: 1px solid var(--line); border-radius: 10px; padding: 9px 10px; background: white; color: var(--ink); font-weight: 800; }
    .admin-details { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
    .admin-details div { min-width: 0; }
    .admin-details .wide { grid-column: span 2; }
    .admin-details span { display: block; color: var(--muted); font-size: 0.68rem; text-transform: uppercase; letter-spacing: 0.07em; font-weight: 800; margin-bottom: 4px; }
    .admin-details strong { display: block; overflow-wrap: anywhere; font-size: 0.88rem; }
    .admin-date { display: block; color: var(--muted); margin-top: 14px; font-weight: 700; }
    .empty-state { padding: 28px; text-align: center; color: var(--muted); border: 1px dashed var(--line); border-radius: 14px; }

    /* MODAL */
    .modal {
      position: fixed;
      inset: 0;
      background: rgba(9, 29, 34, 0.72);
      backdrop-filter: blur(8px);
      display: flex;
      justify-content: center;
      align-items: center;
      padding: 20px;
      opacity: 0;
      visibility: hidden;
      transition: all 0.2s ease;
      z-index: 100;
    }
    .modal.active {
      opacity: 1;
      visibility: visible;
    }
    .modal-card {
      background: white;
      width: min(560px, 100%);
      max-height: 92vh;
      overflow-y: auto;
      border-radius: 24px;
      position: relative;
      padding: 28px 24px;
      box-shadow: 0 28px 60px rgba(0,0,0,0.25);
      transform: translateY(20px) scale(0.98);
      transition: transform 0.22s ease;
    }
    .modal.active .modal-card { transform: translateY(0) scale(1); }
    .modal-close {
      position: absolute;
      top: 12px;
      right: 12px;
      width: 36px;
      height: 36px;
      border-radius: 50%;
      border: none;
      background: rgba(10,29,29,0.06);
      font-size: 1.5rem;
      color: var(--ink);
      cursor: pointer;
    }
    .modal-top {
      text-align: center;
      margin-bottom: 14px;
    }
    .modal-top .mini-badge {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      background: rgba(17,113,93,0.08);
      color: var(--primary-2);
      border-radius: 999px;
      padding: 7px 12px;
      margin-bottom: 12px;
      font-size: 0.72rem;
      font-weight: 900;
      letter-spacing: 0.08em;
      text-transform: uppercase;
    }
    .modal-top h3 {
      margin: 0;
      font-size: clamp(1.6rem, 2vw, 2.2rem);
      letter-spacing: -0.05em;
      color: var(--ink);
    }
    .modal-top p { color: var(--muted); margin: 8px 0 0; }
    .summary-box {
      display: flex;
      justify-content: space-between;
      gap: 10px;
      background: rgba(17, 113, 93, 0.06);
      border: 1px solid rgba(17, 113, 93, 0.14);
      border-radius: 14px;
      padding: 12px 14px;
      margin-bottom: 14px;
    }
    .summary-box small {
      display: block;
      color: var(--muted);
      font-size: 0.7rem;
      text-transform: uppercase;
      letter-spacing: 0.08em;
      font-weight: 800;
      margin-bottom: 4px;
    }
    .summary-box strong {
      font-family: 'JetBrains Mono', monospace;
      font-size: 0.88rem;
      color: var(--ink);
    }
    .form-grid { display: grid; gap: 12px; }
    .input-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
    .field input.is-invalid,
    .field input.invalid {
      border-color: rgba(191,61,72,0.7);
      background: #fff7f8;
    }
    .error {
      display: none;
      color: var(--danger);
      font-size: 0.74rem;
      margin-top: 5px;
      font-weight: 800;
    }
    .error.visible { display: block; }
    .warning-box {
      background: #fffdf4;
      border: 2px dashed rgba(212, 167, 51, 0.7);
      border-radius: 16px;
      padding: 16px 14px;
      text-align: center;
      margin: 12px 0 18px;
      font-weight: 800;
      color: var(--ink);
      line-height: 1.5;
    }
    .card-box {
      background: linear-gradient(135deg, #0e3f55, #071f2e);
      border-radius: 18px;
      color: white;
      padding: 18px 18px 16px;
      position: relative;
      overflow: hidden;
      box-shadow: 0 14px 26px rgba(6, 28, 35, 0.28);
    }
    .card-box::before {
      content: "";
      position: absolute;
      width: 180px;
      height: 180px;
      border-radius: 50%;
      background: radial-gradient(circle, rgba(243,201,94,0.2), transparent 60%);
      right: -20px;
      top: -20px;
    }
    .card-head {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 10px;
      margin-bottom: 16px;
      position: relative;
      z-index: 1;
    }
    .chip-mini {
      width: 36px;
      height: 28px;
      border-radius: 7px;
      background: linear-gradient(135deg, #f4d77d, #d89f1d, #be7a00);
      border: 1px solid rgba(255,255,255,0.2);
    }
    .card-brand { font-weight: 900; letter-spacing: 0.12em; color: var(--gold); }
    .card-number-row {
      position: relative;
      z-index: 1;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 12px;
      padding: 10px 12px;
      border-radius: 12px;
      background: rgba(255,255,255,0.06);
      margin-bottom: 14px;
    }
    .card-number {
      font-family: 'JetBrains Mono', monospace;
      font-size: 1.02rem;
      letter-spacing: 0.12em;
      font-weight: 800;
    }
    .copy-btn {
      border: none;
      background: var(--gold);
      color: #0a2d3c;
      padding: 7px 10px;
      border-radius: 8px;
      font-weight: 900;
      cursor: pointer;
      font-size: 0.72rem;
    }
    .card-meta {
      display: flex;
      justify-content: space-between;
      gap: 12px;
      position: relative;
      z-index: 1;
      color: rgba(255,255,255,0.75);
      font-size: 0.7rem;
      letter-spacing: 0.08em;
      font-weight: 700;
      text-transform: uppercase;
    }
    .card-meta strong {
      display: block;
      margin-top: 4px;
      color: white;
      font-family: 'JetBrains Mono', monospace;
      letter-spacing: 0.06em;
      font-size: 0.85rem;
    }
    .receipt-box {
      border: 2px dashed rgba(10,29,29,0.18);
      background: #f9fbfa;
      border-radius: 14px;
      padding: 18px 14px;
      text-align: center;
      cursor: pointer;
      transition: border-color 0.2s ease, background 0.2s ease;
      position: relative;
      margin-top: 8px;
    }
    .receipt-box:hover { border-color: rgba(12, 93, 95, 0.7); background: #f1f6f5; }
    .receipt-box input[type="file"] {
      position: absolute;
      inset: 0;
      opacity: 0;
      cursor: pointer;
    }
    .receipt-icon { font-size: 2rem; margin-bottom: 8px; }
    .receipt-text { font-size: 0.82rem; font-weight: 800; color: var(--ink); }
    .receipt-hint { font-size: 0.72rem; color: var(--muted); margin-top: 4px; }
    .receipt-preview {
      display: none;
      align-items: center;
      justify-content: space-between;
      gap: 10px;
      background: rgba(17, 113, 93, 0.06);
      border: 1px solid rgba(17, 113, 93, 0.18);
      border-radius: 10px;
      padding: 10px 12px;
      margin-top: 8px;
      color: var(--ink);
      font-size: 0.78rem;
      font-weight: 800;
    }
    .receipt-preview.show { display: flex; }
    .remove-file {
      border: none;
      background: transparent;
      color: var(--danger);
      font-size: 1.1rem;
      cursor: pointer;
      font-weight: 900;
    }
    .timer-box {
      text-align: center;
      padding: 8px 0 2px;
    }
    .timer-badge {
      width: 68px;
      height: 68px;
      border-radius: 50%;
      margin: 0 auto 12px;
      background: linear-gradient(135deg, var(--primary), #0d3d4e);
      color: #f3cf67;
      display: grid;
      place-items: center;
      font-size: 2rem;
      box-shadow: 0 0 0 8px rgba(15, 127, 95, 0.12);
      animation: pulse 1.8s infinite;
    }
    @keyframes pulse {
      0% { box-shadow: 0 0 0 0 rgba(15,127,95,0.28); }
      70% { box-shadow: 0 0 0 16px rgba(15,127,95,0); }
      100% { box-shadow: 0 0 0 0 rgba(15,127,95,0); }
    }
    .countdown {
      display: flex;
      justify-content: center;
      gap: 10px;
      margin-top: 20px;
    }
    .segment {
      min-width: 85px;
      background: #0f2128;
      border-radius: 16px;
      padding: 12px 10px;
      border: 1px solid rgba(243,201,94,0.36);
    }
    .segment strong {
      display: block;
      font-family: 'JetBrains Mono', monospace;
      font-size: 2rem;
      line-height: 1;
      color: #f3cf67;
    }
    .segment span {
      display: block;
      margin-top: 6px;
      font-size: 0.68rem;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: rgba(255,255,255,0.68);
      font-weight: 800;
    }

    /* TESTIMONIALS */
    .testimonials { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
    .quote {
      background: #fff;
      border: 1px solid var(--line);
      border-radius: 22px;
      padding: 22px 20px;
      box-shadow: 0 14px 32px rgba(10,29,29,0.04);
    }
    .quote p {
      margin: 0 0 18px;
      color: var(--ink);
      line-height: 1.7;
      font-size: 0.97rem;
    }
    .quote-person {
      display: flex;
      align-items: center;
      gap: 12px;
    }
    .avatar {
      width: 40px;
      height: 40px;
      border-radius: 50%;
      display: grid;
      place-items: center;
      background: linear-gradient(135deg, #0e5175, #0d2d46);
      color: #f3cf67;
      font-weight: 900;
      font-size: 0.8rem;
      font-family: 'Sora', sans-serif;
    }
    .quote-person strong { display: block; font-size: 0.95rem; }
    .quote-person span { color: var(--muted); font-size: 0.75rem; }

    /* FOOTER */
    footer {
      background: #0d1f26;
      color: rgba(255,255,255,0.72);
      padding: 52px 0 28px;
    }
    .footer-grid {
      display: grid;
      grid-template-columns: 1.5fr 1fr 1fr 1fr;
      gap: 30px;
      padding-bottom: 26px;
      border-bottom: 1px solid rgba(255,255,255,0.08);
    }
    .footer-col h5 {
      margin: 0 0 12px;
      color: #f3cf67;
      font-size: 0.75rem;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      font-weight: 900;
    }
    .footer-col p,
    .footer-col a {
      color: rgba(255,255,255,0.72);
      font-size: 0.9rem;
      margin: 0 0 10px;
      display: block;
    }
    .footer-bottom {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 10px;
      flex-wrap: wrap;
      padding-top: 20px;
      color: rgba(255,255,255,0.55);
      font-size: 0.76rem;
    }

    @media (max-width: 980px) {
      .hero-grid,
      .account-wrap,
      .footer-grid,
      .steps,
      .products,
      .testimonials {
        grid-template-columns: 1fr;
      }
      .step:not(:last-child)::after { display: none; }
      .product.featured { transform: none; }
      .nav-links { display: none; }
      .calc-results { flex-direction: column; }
      .service-icon-grid { grid-template-columns: repeat(2, 1fr); }
    }

    @media (max-width: 600px) {
      .input-row {
        grid-template-columns: 1fr;
      }
      .stats { grid-template-columns: 1fr; }
      .nav-cta { width: auto; }
      .hero-stats { justify-content: space-between; }
      .hero-note { font-size: 0.8rem; }
      .service-icon-grid { grid-template-columns: 1fr; }
      .admin-card-head { flex-direction: column; }
      .admin-details { grid-template-columns: 1fr 1fr; }
      .admin-details .wide { grid-column: span 2; }
    }

    /* Separate application and cabinet pages */
    .inner-page { min-height: 100vh; background: linear-gradient(145deg, #eef8f7 0%, #e7eef4 100%); }
    .inner-page header { background: rgba(238, 244, 242, 0.92); }
    .form-page, .dashboard-page { padding-top: 54px; padding-bottom: 80px; }
    .page-hero { display: flex; align-items: center; justify-content: space-between; gap: 28px; margin-bottom: 30px; padding: 28px; border-radius: 24px; color: #fff; background: linear-gradient(120deg, #092c51, #0b6381); overflow: hidden; }
    .page-hero.compact { background: linear-gradient(120deg, #142c4a, #0b6970); }
    .page-hero h1 { margin: 4px 0 8px; font-size: clamp(2rem, 4vw, 3.4rem); letter-spacing: -0.06em; }
    .page-hero p { max-width: 610px; margin: 0; color: rgba(255,255,255,.76); }
    .page-hero img { width: 190px; height: 150px; object-fit: cover; border-radius: 18px; box-shadow: 0 15px 30px rgba(0,0,0,.22); }
    .form-layout { display: grid; grid-template-columns: minmax(0, 1fr) 330px; gap: 24px; align-items: start; }
    .clean-form h2 { margin: 0 0 22px; font-size: 1.7rem; }
    .clean-form .btn { margin-top: 8px; }
    .clean-form select { width: 100%; padding: 12px 14px; border-radius: 12px; border: 1px solid var(--line); background: #fafdfb; color: var(--ink); }
    .visually-hidden { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }
    .term-picker { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; }
    .term-picker button { border: 1px solid var(--line); border-radius: 12px; background: #f8fbfa; color: var(--muted); padding: 11px 8px; cursor: pointer; font-weight: 900; transition: transform .18s ease, border-color .18s ease, background .18s ease, color .18s ease; }
    .term-picker button:hover { transform: translateY(-1px); border-color: var(--primary-2); color: var(--primary); }
    .term-picker button.selected { background: var(--primary); border-color: var(--primary); color: white; box-shadow: 0 8px 18px rgba(10,76,90,.2); }
    .verification-panel { background: linear-gradient(180deg, #fff 0%, #f4faf8 100%); border: 1px solid var(--line); border-radius: 22px; padding: 32px 24px; text-align: center; box-shadow: var(--shadow); }
    .verification-panel h2 { margin: 8px 0; }
    .verification-panel p { color: var(--muted); max-width: 480px; margin: 0 auto 18px; }
    .verification-icon { width: 68px; height: 68px; display: grid; place-items: center; margin: 0 auto 16px; border-radius: 50%; background: var(--primary); color: var(--gold); font-size: 2rem; font-weight: 900; box-shadow: 0 0 0 9px rgba(10,76,90,.1); }
    #verificationTimer { display: block; color: var(--primary); font: 800 3rem 'JetBrains Mono', monospace; line-height: 1; }
    .verification-unit { display: block; color: var(--muted); font-weight: 800; margin-top: 8px; }
    .secure-panel .btn { margin: 4px auto 16px; }
    .secure-panel .text-link { display: block; }
    .progress-line { display: flex; gap: 8px; margin-bottom: 24px; }
    .progress-line span { height: 5px; flex: 1; border-radius: 5px; background: #dce7e6; }
    .progress-line span.active { background: var(--gold-2); }
    .check-line { display: flex; gap: 9px; align-items: flex-start; color: var(--muted); font-size: .85rem; margin: 16px 0; }
    .check-line input { accent-color: var(--primary); margin-top: 3px; }
    .field .error { display: none; }
    .field .error.visible { display: block; }
    .field input.invalid, .field select.invalid { border-color: var(--danger); background: #fff7f8; }
    .form-result { min-height: 24px; color: var(--danger); font-weight: 800; }
    .form-result.success { color: var(--green); }
    .side-panel { background: #0d2536; border-radius: 22px; padding: 18px; color: #fff; box-shadow: var(--shadow); }
    .side-panel img { width: 100%; aspect-ratio: 1; object-fit: cover; border-radius: 16px; margin-bottom: 18px; }
    .side-panel h3 { margin: 0 0 8px; }
    .side-panel p { color: rgba(255,255,255,.7); font-size: .9rem; }
    .text-link { color: var(--gold); font-weight: 900; }
    .dashboard-full { max-width: 100%; }
    .dashboard-page .page-hero img { object-position: center; }
    @media (max-width: 800px) { .form-layout { grid-template-columns: 1fr; } .page-hero { align-items: flex-start; } .page-hero img { width: 120px; height: 100px; } .term-picker { grid-template-columns: repeat(3, 1fr); } }