:root {
  --navy: #0b2e6b;
  --navy-deep: #071b45;
  --navy-mid: #123a7c;
  --gold: #c9a227;
  --gold-light: #e0c15a;
  --gold-dark: #a8861a;
  --sky: #7ebce0;
  --sky-soft: #d7eef8;
  --ink: #1a2332;
  --muted: #5b6573;
  --line: #e6e1d4;
  --bg: #f6f3eb;
  --white: #ffffff;
  --shadow: 0 18px 50px rgba(7, 27, 69, 0.12);
  --radius: 22px;
  --max: 1160px;
  --header-h: 88px;
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--header-h);
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

body {
  font-family: "Montserrat", "Segoe UI", "Helvetica Neue", Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

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

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

a:hover {
  color: var(--gold-dark);
}

.skip-link {
  position: absolute;
  left: 16px;
  top: -48px;
  z-index: 100;
  background: var(--gold);
  color: var(--navy-deep);
  padding: 8px 12px;
  border-radius: 8px;
  font-weight: 700;
}

.skip-link:focus {
  top: 12px;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.wrap {
  width: min(100% - 40px, var(--max));
  margin-inline: auto;
}

.section {
  padding: 96px 0;
}

.section-kicker,
.card-kicker {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--gold-dark);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.section-kicker::before {
  content: "";
  width: 28px;
  height: 3px;
  background: var(--gold);
  border-radius: 99px;
}

.section h2 {
  color: var(--navy);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  line-height: 1.15;
  letter-spacing: -0.03em;
  margin-bottom: 16px;
}

.lead {
  color: var(--muted);
  font-size: 1.05rem;
  max-width: 72ch;
}

.header {
  position: -webkit-sticky;
  position: sticky;
  top: 0;
  z-index: 50;
  height: var(--header-h);
  background: #ffffff;
  background: rgba(255, 255, 255, 0.96);
  -webkit-backdrop-filter: blur(16px);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(11, 46, 107, 0.08);
}

.header.scrolled {
  box-shadow: 0 8px 24px rgba(7, 27, 69, 0.08);
}

.header-inner {
  position: relative;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  min-width: 0;
  margin-right: auto;
}

.brand-lockup {
  height: 58px;
  width: auto;
}

.nav {
  display: flex;
  align-items: center;
  gap: 16px;
}

.nav a {
  color: var(--navy);
  font-size: 0.8rem;
  font-weight: 700;
  white-space: nowrap;
}

.nav a:hover,
.nav a:focus-visible {
  color: var(--gold-dark);
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 0;
  background: transparent;
  cursor: pointer;
}

.menu-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  margin: 5px auto;
  background: var(--navy);
}

.hero {
  position: relative;
  overflow: hidden;
  color: white;
  background:
    radial-gradient(circle at 82% 8%, rgba(126, 188, 224, 0.32), transparent 30%),
    linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 48%, var(--navy-mid) 100%);
  padding: 72px 0 88px;
}

.hero::after {
  content: "";
  position: absolute;
  right: -90px;
  bottom: -140px;
  width: 520px;
  height: 520px;
  border-radius: 50%;
  border: 48px solid rgba(201, 162, 39, 0.12);
  pointer-events: none;
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: center;
}

.hero-kicker {
  color: var(--gold-light);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.hero h1 {
  font-size: clamp(2.5rem, 5.4vw, 4.5rem);
  line-height: 0.95;
  letter-spacing: -0.04em;
  margin-bottom: 18px;
}

.hero h1 em {
  display: block;
  color: var(--gold-light);
  font-style: normal;
}

.hero-lead {
  max-width: 54ch;
  color: rgba(255, 255, 255, 0.86);
  font-size: 1.08rem;
}

.hero-values {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 22px;
}

.hero-values span {
  background: rgba(201, 162, 39, 0.16);
  color: var(--gold-light);
  border: 1px solid rgba(201, 162, 39, 0.35);
  border-radius: 999px;
  padding: 6px 12px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 22px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 0.92rem;
  border: 0;
  cursor: pointer;
  transition: transform 0.2s ease, background 0.2s ease;
}

.btn:hover {
  transform: translateY(-1px);
  color: inherit;
}

.btn-gold {
  background: var(--gold);
  color: var(--navy-deep);
}

.btn-ghost {
  background: transparent;
  color: white;
  border: 1.5px solid rgba(255, 255, 255, 0.35);
}

.hero-panel {
  background: rgba(7, 27, 69, 0.55);
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 28px;
  padding: 28px;
  -webkit-backdrop-filter: blur(10px);
  backdrop-filter: blur(10px);
}

.hero-mark {
  width: 92px;
  margin-bottom: 16px;
  filter: drop-shadow(0 8px 16px rgba(0, 0, 0, 0.25));
}

.hero-panel h2 {
  color: white;
  font-size: 1.05rem;
  margin-bottom: 18px;
  letter-spacing: 0;
}

.hero-panel dl div {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.hero-panel dl div:last-child {
  border-bottom: 0;
}

.hero-panel dt {
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.86rem;
}

.hero-panel dd {
  color: var(--gold-light);
  font-size: 1.02rem;
  font-weight: 800;
  overflow-wrap: anywhere;
  word-break: break-word;
}

.trust {
  background: white;
  border-bottom: 1px solid var(--line);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  padding: 28px 0;
}

.trust-item {
  display: flex;
  gap: 14px;
  align-items: center;
}

.icon-badge {
  width: 48px;
  height: 48px;
  flex: none;
  display: grid;
  place-items: center;
  border-radius: 14px;
  background: linear-gradient(160deg, #e8f5fb 0%, #d7eef8 100%);
  color: var(--navy);
  box-shadow: inset 0 0 0 1px rgba(11, 46, 107, 0.06);
}

.icon-badge.soft {
  background: linear-gradient(160deg, #fff8e8 0%, #f3e7c2 100%);
  color: var(--navy);
  box-shadow: inset 0 0 0 1px rgba(201, 162, 39, 0.18);
}

.icon-badge.on-dark {
  background: rgba(255, 255, 255, 0.1);
  color: var(--gold-light);
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.14);
  margin-bottom: 14px;
}

.icon-badge svg {
  width: 24px;
  height: 24px;
}

.trust-item strong {
  display: block;
  color: var(--navy);
  font-size: 0.92rem;
}

.trust-item p {
  color: var(--muted);
  font-size: 0.86rem;
}

.about-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 48px;
  align-items: center;
}

.about-visual {
  background: #050b18;
  border-radius: 28px;
  padding: 36px 28px;
  box-shadow: var(--shadow);
}

.about-copy p + p {
  margin-top: 16px;
}

.about-copy p {
  color: var(--muted);
}

.values {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-top: 36px;
}

.value-card,
.topic,
.info-card,
.privacy-card,
.app-card {
  background: white;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px;
}

.value-card .icon-badge,
.topic .icon-badge,
.privacy-card .icon-badge,
.info-card .icon-badge {
  margin-bottom: 14px;
}

.value-card h3,
.app-card h3,
.topic h3,
.privacy-card h3,
.info-card h3 {
  color: var(--navy);
  margin-bottom: 8px;
}

.value-card p,
.app-card p,
.topic p,
.privacy-card p,
.info-card p {
  color: var(--muted);
  font-size: 0.94rem;
}

.offer {
  background: white;
}

.offer-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 22px;
  margin-top: 36px;
}

.offer-card {
  position: relative;
  overflow: hidden;
  border-radius: 28px;
  padding: 32px;
  min-height: 300px;
  color: white;
}

.offer-icon {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.12);
  color: var(--gold-light);
  margin-bottom: 16px;
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.16);
}

.offer-icon.dark {
  background: rgba(7, 27, 69, 0.12);
  color: var(--navy-deep);
  box-shadow: inset 0 0 0 1px rgba(7, 27, 69, 0.12);
}

.offer-icon svg {
  width: 26px;
  height: 26px;
}

.offer-card::after {
  content: "";
  position: absolute;
  right: -24px;
  bottom: 28px;
  width: 120px;
  height: 18px;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.18));
  -webkit-clip-path: polygon(0 0, 86% 0, 100% 50%, 86% 100%, 0 100%);
  clip-path: polygon(0 0, 86% 0, 100% 50%, 86% 100%, 0 100%);
}

.offer-card.personal {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-deep) 100%);
}

.offer-card.business {
  background: linear-gradient(160deg, #8f7318 0%, #c9a227 58%, #e0c15a 100%);
  color: var(--navy-deep);
}

.offer-card h3 {
  font-size: 1.6rem;
  margin: 10px 0 12px;
}

.offer-card p {
  max-width: 42ch;
}

.card-kicker {
  color: var(--gold-light);
}

.card-kicker.dark {
  color: var(--navy-deep);
}

.amount {
  margin-top: 28px;
  font-size: clamp(1.5rem, 3vw, 2.1rem);
  font-weight: 800;
  letter-spacing: -0.03em;
}

.amount small {
  display: block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  opacity: 0.8;
  margin-bottom: 6px;
}

.apps {
  background: linear-gradient(180deg, rgba(11, 46, 107, 0.04), transparent 40%), var(--bg);
}

.apps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 36px;
}

.app-card {
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 24px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.app-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 36px rgba(7, 27, 69, 0.1);
}

.app-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 4px;
  background: var(--gold);
}

.app-express::before {
  background: linear-gradient(90deg, #1a1bbe, #ffb800);
}

.app-loan::before {
  background: linear-gradient(90deg, #0b2e6b, #f27a18);
}

.app-anifund::before {
  background: linear-gradient(90deg, #227025, #e5b80b);
}

.app-brand {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 14px;
  margin-bottom: 8px;
  min-height: 72px;
}

.app-icon {
  width: 64px;
  height: 64px;
  flex: none;
  border-radius: 16px;
  box-shadow: 0 8px 20px rgba(7, 27, 69, 0.12);
}

.app-wordmark {
  width: min(100%, 168px);
  max-width: calc(100% - 78px);
  height: auto;
  object-fit: contain;
}

.service-grid,
.privacy-grid,
.contact-grid {
  display: grid;
  gap: 18px;
  margin-top: 36px;
}

.service-grid {
  grid-template-columns: 1.2fr 0.8fr;
}

.topic-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.cs-panel,
.map-card {
  background: var(--navy);
  color: white;
  border-radius: 24px;
  padding: 28px;
}

.map-card {
  background: var(--navy-deep);
  min-height: 100%;
}

.cs-panel h3,
.map-card h3 {
  color: white;
  font-size: 1.4rem;
  margin-bottom: 12px;
}

.cs-panel p {
  color: rgba(255, 255, 255, 0.82);
  margin-bottom: 12px;
}

.cs-panel a,
.info-card a,
.privacy-contact a {
  color: var(--gold-light);
  font-weight: 700;
  word-break: break-word;
  overflow-wrap: anywhere;
}

.info-card a,
.privacy-contact a {
  color: var(--gold-dark);
}

.cs-panel a:hover,
.info-card a:hover,
.privacy-contact a:hover {
  color: white;
}

.privacy {
  background: white;
}

.subhead {
  margin-top: 28px;
  color: var(--navy);
  font-size: 1.05rem;
}

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

.privacy-contact {
  margin-top: 28px;
  color: var(--muted);
}

.contact-grid {
  grid-template-columns: 1.1fr 0.9fr;
}

.contact-list {
  margin-top: 28px;
}

.map-card address {
  font-style: normal;
  line-height: 1.8;
  color: rgba(255, 255, 255, 0.9);
}

.footer {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.78);
  padding: 42px 0 28px;
}

.footer-brand {
  background: white;
  border-radius: 14px;
  padding: 8px 10px;
}

.footer-top {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  align-items: center;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 16px 22px;
}

.footer-links a:hover {
  color: var(--gold-light);
}

.footer-bottom {
  padding-top: 18px;
  font-size: 0.85rem;
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}

.legal-page {
  padding: 56px 0 88px;
  background: var(--bg);
}

.legal-wrap {
  max-width: 860px;
}

.legal-page h1 {
  color: var(--navy);
  font-size: clamp(2rem, 4vw, 3rem);
  letter-spacing: -0.03em;
  line-height: 1.1;
  margin-bottom: 28px;
}

.legal-meta {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-bottom: 36px;
  padding: 22px;
  background: white;
  border: 1px solid var(--line);
  border-radius: 20px;
}

.legal-meta div {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.legal-meta span {
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.legal-meta strong {
  color: var(--navy);
  font-size: 0.95rem;
  font-weight: 700;
}

.legal-body {
  color: var(--muted);
  font-size: 1rem;
}

.legal-body p,
.legal-body ul,
.legal-body ol {
  margin-bottom: 16px;
}

.legal-body h2 {
  color: var(--navy);
  font-size: 1.25rem;
  margin: 36px 0 12px;
  letter-spacing: -0.02em;
}

.legal-body h3 {
  color: var(--navy);
  font-size: 1.05rem;
  margin: 24px 0 10px;
}

.legal-body ul,
.legal-body ol {
  padding-left: 22px;
}

.legal-body li + li {
  margin-top: 8px;
}

.legal-body a {
  color: var(--gold-dark);
  font-weight: 700;
}

.legal-body a:hover {
  color: var(--navy);
}

.legal-updated {
  margin-top: 36px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
  color: var(--ink);
}

@media (max-width: 1180px) {
  .hero-grid,
  .about-grid,
  .offer-grid,
  .service-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .trust-grid,
  .values,
  .apps-grid,
  .privacy-grid {
    grid-template-columns: 1fr 1fr;
  }

  .menu-toggle {
    display: block;
  }

  .nav {
    display: none;
    position: absolute;
    inset: var(--header-h) 16px auto;
    z-index: 60;
    background: white;
    border: 1px solid var(--line);
    border-radius: 16px;
    padding: 16px;
    flex-direction: column;
    align-items: stretch;
    box-shadow: var(--shadow);
  }

  .nav.open {
    display: flex;
  }

  .nav a {
    padding: 10px 8px;
  }
}

@media (max-width: 640px) {
  :root {
    --header-h: 72px;
  }

  .wrap {
    width: min(100% - 28px, var(--max));
  }

  .brand-lockup {
    height: 42px;
  }

  .trust-grid,
  .values,
  .apps-grid,
  .privacy-grid,
  .topic-list,
  .legal-meta {
    grid-template-columns: 1fr;
  }

  .app-brand {
    flex-direction: column;
    align-items: flex-start;
    min-height: 0;
  }

  .app-wordmark {
    width: min(100%, 180px);
    max-width: 100%;
  }

  .hero {
    padding: 44px 0 60px;
  }

  .section {
    padding: 64px 0;
  }

  .legal-page {
    padding: 40px 0 64px;
  }

  .footer-top {
    flex-direction: column;
    align-items: flex-start;
  }

  .btn {
    width: 100%;
  }

  .hero-actions {
    width: 100%;
  }
}

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

  .btn:hover,
  .app-card:hover {
    transform: none;
  }
}