/* =============================================
   WIN CREDIT — Custom CSS
   Brand: Navy #1B2D5B + Copper #C17030
   ============================================= */

/* --- Variables --- */
:root {
  --navy:         #1B2D5B;
  --navy-deep:    #111E3E;
  --navy-light:   #243A72;
  --navy-muted:   rgba(27,45,91,0.94);
  --copper:       #C17030;
  --copper-dark:  #9E5A22;
  --copper-light: #D4884A;
  --copper-pale:  rgba(193,112,48,0.10);
  --copper-border:rgba(193,112,48,0.35);
  --white:        #FFFFFF;
  --off-white:    #F8F9FC;
  --gray-50:      #F3F5F9;
  --gray-100:     #E8EBF3;
  --gray-200:     #D0D5E5;
  --gray-500:     #8694B2;
  --gray-700:     #4A5878;
  --gray-900:     #1A2440;
  --shadow-sm:    0 2px 8px rgba(27,45,91,0.07);
  --shadow-md:    0 6px 28px rgba(27,45,91,0.11);
  --shadow-lg:    0 16px 56px rgba(27,45,91,0.16);
  --shadow-copper:0 8px 28px rgba(193,112,48,0.30);
  --radius:       12px;
  --radius-lg:    20px;
  --ease:         0.28s cubic-bezier(0.4,0,0.2,1);
  --header-h:     72px;
}

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Raleway', system-ui, -apple-system, sans-serif;
  color: var(--gray-900);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* --- Typography --- */
h1, h2 {
  font-family: 'Marcellus', Georgia, 'Times New Roman', serif;
  letter-spacing: 0.02em;
}
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); font-weight: 400; line-height: 1.1; }
h2 { font-size: clamp(1.6rem, 3vw, 2.5rem); font-weight: 400; line-height: 1.18; }
h3 { font-size: 1.2rem; font-weight: 700; line-height: 1.3; font-family: 'Raleway', system-ui, sans-serif; }
h4 { font-size: 1rem; font-weight: 600; font-family: 'Raleway', system-ui, sans-serif; }
p  { color: var(--gray-700); line-height: 1.75; }

/* --- Navy diagonal texture (brand signature) --- */
.navy-texture {
  background-color: var(--navy);
  background-image:
    repeating-linear-gradient(
      -45deg,
      transparent,
      transparent 6px,
      rgba(255,255,255,0.022) 6px,
      rgba(255,255,255,0.022) 7px
    );
}

/* --- Hexagon decorative (CSS clip-path) --- */
.hex-deco {
  position: absolute;
  pointer-events: none;
  opacity: 0.18;
}
.hex-deco::before {
  content: '';
  display: block;
  width: 100%;
  height: 100%;
  background: linear-gradient(135deg, var(--copper), var(--copper-dark));
  clip-path: polygon(50% 0%, 100% 25%, 100% 75%, 50% 100%, 0% 75%, 0% 25%);
}

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.92rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: background var(--ease), transform var(--ease), box-shadow var(--ease), border-color var(--ease);
  white-space: nowrap;
  letter-spacing: 0.01em;
}
.btn-primary {
  background: linear-gradient(135deg, var(--copper-light), var(--copper));
  color: var(--white);
  border-color: var(--copper);
}
.btn-primary:hover {
  background: linear-gradient(135deg, var(--copper), var(--copper-dark));
  border-color: var(--copper-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-copper);
}
.btn-outline-copper {
  background: transparent;
  color: var(--copper);
  border-color: var(--copper);
}
.btn-outline-copper:hover {
  background: var(--copper-pale);
  transform: translateY(-2px);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.55);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.10);
  border-color: var(--white);
  transform: translateY(-2px);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover {
  background: var(--navy-light);
  border-color: var(--navy-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

/* --- Layout helpers --- */
.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}
.section { padding: 88px 0; }
.section-alt { background: var(--off-white); }
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 14px;
  padding: 6px 16px 6px 12px;
  background: linear-gradient(135deg, rgba(193,112,48,0.06) 0%, rgba(193,112,48,0.13) 100%);
  border-radius: 30px;
  border: 1px solid rgba(193,112,48,0.30);
  box-shadow: 0 2px 12px rgba(193,112,48,0.10), inset 0 1px 0 rgba(255,255,255,0.55);
}
.section-label::before {
  content: '';
  display: inline-block;
  width: 6px; height: 6px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--copper-light), var(--copper));
  flex-shrink: 0;
  box-shadow: 0 0 6px rgba(193,112,48,0.5);
}
.section-title { color: var(--navy); margin-bottom: 16px; }
.section-title-light { color: var(--white); margin-bottom: 16px; }
.section-sub { color: var(--gray-700); max-width: 580px; font-size: 1.02rem; }
.section-sub-light { color: rgba(255,255,255,0.68); max-width: 560px; font-size: 1.02rem; }
.section-head { margin-bottom: 52px; }
.section-head.centered { text-align: center; }
.section-head.centered .section-sub { margin: 0 auto; }

/* --- Copper accent line --- */
.copper-line {
  display: inline-block;
  width: 48px;
  height: 3px;
  background: linear-gradient(90deg, var(--copper), var(--copper-light));
  border-radius: 2px;
  margin-bottom: 20px;
}

/* =============================================
   HEADER / NAVIGATION
   ============================================= */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--header-h);
  display: flex;
  align-items: center;
  transition: background var(--ease), box-shadow var(--ease);
  background: transparent;
}
.site-header.scrolled,
.site-header.solid {
  background: var(--navy-deep);
  box-shadow: 0 2px 24px rgba(0,0,0,0.22);
}
.site-header.scrolled {
  background-image:
    repeating-linear-gradient(-45deg, transparent, transparent 6px,
    rgba(255,255,255,0.018) 6px, rgba(255,255,255,0.018) 7px);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}
.header-logo img { height: 48px; width: auto; }
.header-nav {
  display: flex;
  align-items: center;
  gap: 2px;
}
.nav-item { position: relative; }
.nav-link {
  display: flex;
  align-items: center;
  gap: 5px;
  padding: 8px 14px;
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
  font-weight: 600;
  border-radius: 6px;
  transition: color var(--ease), background var(--ease);
}
.nav-link:hover, .nav-link.active {
  color: var(--white);
  background: rgba(255,255,255,0.09);
}
.nav-link svg { width: 14px; height: 14px; flex-shrink: 0; transition: transform var(--ease); }
.nav-item:hover .nav-link svg { transform: rotate(180deg); }

/* Dropdown */
.nav-dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 248px;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 18px 8px 8px; /* top padding bridges the gap so hover isn't lost */
  opacity: 0;
  pointer-events: none;
  transform: translateY(4px);
  transition: opacity var(--ease), transform var(--ease);
  border: 1px solid var(--gray-100);
}
.nav-item:hover .nav-dropdown {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}
.nav-dropdown a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  border-radius: 8px;
  color: var(--gray-900);
  font-size: 0.9rem;
  font-weight: 600;
  transition: background var(--ease), color var(--ease);
}
.nav-dropdown a:hover {
  background: var(--copper-pale);
  color: var(--copper);
}
.nav-dropdown a .dd-dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--copper-light), var(--copper));
  flex-shrink: 0;
}
.header-phone {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--white);
  font-size: 0.88rem;
  font-weight: 700;
  padding: 9px 18px;
  border: 1.5px solid var(--copper-border);
  border-radius: 8px;
  margin-left: 14px;
  transition: border-color var(--ease), background var(--ease), box-shadow var(--ease);
  background: rgba(193,112,48,0.12);
}
.header-phone:hover {
  border-color: var(--copper);
  background: rgba(193,112,48,0.20);
  box-shadow: 0 0 0 3px rgba(193,112,48,0.15);
}
.header-phone svg { width: 15px; height: 15px; color: var(--copper-light); }

/* Mobile toggle */
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  background: none;
  border: none;
}
.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: transform var(--ease), opacity var(--ease);
}
.menu-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle.open span:nth-child(2) { opacity: 0; }
.menu-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* =============================================
   HERO — HOMEPAGE
   ============================================= */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background-color: var(--navy-deep);
  background-image:
    repeating-linear-gradient(-45deg, transparent, transparent 6px,
    rgba(255,255,255,0.022) 6px, rgba(255,255,255,0.022) 7px);
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('assets/img/Brzi-Kes-Kredit-Front-Page-1.jpg');
  background-size: cover;
  background-position: center;
  opacity: 0.18;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(17,30,62,0.96) 0%, rgba(27,45,91,0.75) 55%, rgba(27,45,91,0.35) 100%);
}
/* Hexagonal decorative elements */
.hero-hex-1 {
  position: absolute;
  right: 5%;
  top: 10%;
  width: 180px; height: 180px;
  border: 2px solid rgba(193,112,48,0.25);
  clip-path: polygon(50% 0%, 100% 25%, 100% 75%, 50% 100%, 0% 75%, 0% 25%);
  opacity: 0.7;
}
.hero-hex-2 {
  position: absolute;
  right: 12%;
  top: 18%;
  width: 120px; height: 120px;
  border: 1.5px solid rgba(193,112,48,0.18);
  clip-path: polygon(50% 0%, 100% 25%, 100% 75%, 50% 100%, 0% 75%, 0% 25%);
  opacity: 0.5;
}
.hero-hex-3 {
  position: absolute;
  right: 2%;
  top: 30%;
  width: 80px; height: 80px;
  border: 1px solid rgba(193,112,48,0.15);
  clip-path: polygon(50% 0%, 100% 25%, 100% 75%, 50% 100%, 0% 75%, 0% 25%);
  opacity: 0.4;
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 680px;
  text-align: left;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(193,112,48,0.12);
  border: 1px solid var(--copper-border);
  color: var(--copper-light);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 20px;
  margin-bottom: 24px;
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 em {
  font-style: normal;
  background: linear-gradient(90deg, var(--copper-light), var(--copper));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-sub {
  color: rgba(255,255,255,0.72);
  font-size: 1.1rem;
  margin-bottom: 36px;
  max-width: 520px;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 52px; }
.hero-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 36px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.10);
}
.hero-stat-value {
  font-size: 1.65rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 5px;
}
.hero-stat-label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.48);
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.07em;
}
.hero-scroll {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  color: rgba(255,255,255,0.35);
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  animation: bounce 2s infinite;
}
.hero-scroll svg { width: 18px; height: 18px; }
@keyframes bounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50%       { transform: translateX(-50%) translateY(7px); }
}

/* =============================================
   HERO — PRODUCT PAGES
   ============================================= */
.page-hero {
  position: relative;
  height: 550px;
  display: flex;
  align-items: flex-end;
  overflow: hidden;
  padding-bottom: 64px;
  background-color: var(--navy-deep);
  background-image:
    repeating-linear-gradient(-45deg, transparent, transparent 6px,
    rgba(255,255,255,0.022) 6px, rgba(255,255,255,0.022) 7px);
  padding-top: var(--header-h);
}
.page-hero video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.28;
}
.page-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(17,30,62,0.96) 0%, rgba(27,45,91,0.50) 100%);
}
/* Hex deco on product pages */
.page-hero-hex {
  position: absolute;
  right: 6%;
  top: 50%;
  transform: translateY(-50%);
  opacity: 0.22;
}
.page-hero-hex .hex-ring {
  width: 160px; height: 160px;
  border: 2px solid var(--copper);
  clip-path: polygon(50% 0%, 100% 25%, 100% 75%, 50% 100%, 0% 75%, 0% 25%);
  position: absolute;
}
.page-hero-hex .hex-ring:nth-child(2) {
  width: 200px; height: 200px;
  top: -20px; left: -20px;
  border-color: rgba(193,112,48,0.5);
}
.page-hero-hex .hex-ring:nth-child(3) {
  width: 240px; height: 240px;
  top: -40px; left: -40px;
  border-color: rgba(193,112,48,0.25);
}
.hero > .container,
.page-hero > .container { width: 100%; }
.page-hero-content { position: relative; z-index: 2; }
.page-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: linear-gradient(135deg, rgba(212,136,74,0.18) 0%, rgba(193,112,48,0.28) 100%);
  border: 1px solid rgba(212,136,74,0.45);
  color: var(--copper-light);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  padding: 6px 14px 6px 10px;
  border-radius: 24px;
  margin-bottom: 16px;
  box-shadow: 0 2px 14px rgba(193,112,48,0.18), inset 0 1px 0 rgba(255,255,255,0.12);
}
.page-hero-badge::before {
  content: '';
  width: 6px; height: 6px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--copper-light), var(--copper));
  box-shadow: 0 0 8px rgba(212,136,74,0.7);
  flex-shrink: 0;
}
.page-hero h1 { color: var(--white); font-size: clamp(2.4rem, 5vw, 3.8rem); letter-spacing: 0.03em; }
.page-hero-sub {
  color: rgba(255,255,255,0.65);
  font-size: 1.02rem;
  margin-top: 10px;
}

/* =============================================
   BREADCRUMB
   ============================================= */
.breadcrumb {
  background: var(--off-white);
  border-bottom: 1px solid var(--gray-100);
  padding: 14px 0;
}
.breadcrumb-inner {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  color: var(--gray-500);
}
.breadcrumb-inner a { color: var(--gray-700); font-weight: 600; }
.breadcrumb-inner a:hover { color: var(--copper); }
.breadcrumb-inner svg { width: 12px; height: 12px; }

/* =============================================
   FEATURES
   ============================================= */
.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
}
.feature-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 32px 26px;
  transition: box-shadow var(--ease), transform var(--ease), border-color var(--ease);
  position: relative;
  overflow: hidden;
}
.feature-card::before {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 100%; height: 3px;
  background: linear-gradient(90deg, var(--copper), var(--copper-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--ease);
}
.feature-card:hover { box-shadow: var(--shadow-md); transform: translateY(-5px); border-color: var(--gray-200); }
.feature-card:hover::before { transform: scaleX(1); }
.feature-icon {
  width: 54px; height: 54px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(212,136,74,0.15) 0%, rgba(193,112,48,0.25) 100%);
  border: 1px solid var(--copper-border);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  box-shadow: 0 4px 14px rgba(193,112,48,0.12);
}
.feature-icon img { width: 30px; height: 30px; object-fit: contain; }
.feature-card h3 { color: var(--navy); margin-bottom: 10px; }
.feature-card p { font-size: 0.88rem; }

/* =============================================
   PRODUCTS — Homepage cards
   ============================================= */
.products-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-bottom: 56px;
}
.product-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-100);
  background: var(--white);
  transition: box-shadow var(--ease), transform var(--ease);
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-sm);
}
.product-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-6px);
}
.product-card-img {
  position: relative;
  height: 210px;
  overflow: hidden;
}
.product-card-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}
.product-card:hover .product-card-img img { transform: scale(1.06); }
.product-card-img-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(17,30,62,0.80) 0%, transparent 55%);
}
/* Copper corner accent on card image */
.product-card-img::after {
  content: '';
  position: absolute;
  bottom: 0; right: 0;
  width: 40px; height: 3px;
  background: linear-gradient(90deg, var(--copper-light), var(--copper));
}
.product-card-body {
  padding: 24px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.product-card-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 10px;
  padding: 3px 10px 3px 8px;
  background: linear-gradient(135deg, rgba(193,112,48,0.06), rgba(193,112,48,0.13));
  border-radius: 20px;
  border: 1px solid rgba(193,112,48,0.25);
}
.product-card-tag::before {
  content: '';
  width: 5px; height: 5px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--copper-light), var(--copper));
  flex-shrink: 0;
}
.product-card h3 { color: var(--navy); margin-bottom: 8px; font-size: 1.15rem; }
.product-card p { font-size: 0.87rem; flex: 1; margin-bottom: 18px; }
.product-card-meta {
  display: flex;
  gap: 0;
  margin-bottom: 20px;
  padding: 14px 0;
  border-top: 1px solid var(--gray-100);
  border-bottom: 1px solid var(--gray-100);
}
.product-card-meta-item {
  flex: 1;
  font-size: 0.8rem;
  padding: 0 12px;
  border-right: 1px solid var(--gray-100);
}
.product-card-meta-item:first-child { padding-left: 0; }
.product-card-meta-item:last-child { border-right: none; }
.product-card-meta-item strong {
  display: block;
  color: var(--navy);
  font-size: 0.92rem;
  font-weight: 700;
  margin-bottom: 2px;
}
.product-card-meta-item span { color: var(--gray-500); font-size: 0.75rem; }
.product-card .btn { align-self: flex-start; }

/* =============================================
   CREDIT DETAIL TABLE (product pages)
   ============================================= */
.credit-detail { padding: 72px 0; }
.credit-layout {
  display: flex;
  flex-direction: column;
  gap: 40px;
}
/* Row 1: credit-table + security-block side by side */
.credit-layout > div:first-child {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  align-items: start;
}
.credit-layout > div:first-child .security-block { margin-top: 0 !important; }
/* Row 2: rep-examples full width, 3-col grid */
.credit-layout > div:last-child { width: 100%; }
.credit-layout > div:last-child .rep-examples {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.credit-table {
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100);
  overflow: hidden;
  background: var(--white);
  box-shadow: var(--shadow-sm);
}
.credit-table-header {
  background: var(--navy);
  background-image:
    repeating-linear-gradient(-45deg, transparent, transparent 6px,
    rgba(255,255,255,0.025) 6px, rgba(255,255,255,0.025) 7px);
  padding: 20px 24px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.credit-table-header h3 { color: var(--white); font-size: 1rem; }
.credit-table-header::before {
  content: '';
  width: 3px; height: 20px;
  background: linear-gradient(to bottom, var(--copper-light), var(--copper));
  border-radius: 2px;
  flex-shrink: 0;
}
.credit-table-row {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  border-bottom: 1px solid var(--gray-50);
}
.credit-table-row:last-child { border-bottom: none; }
.credit-table-cell {
  padding: 15px 20px;
  font-size: 0.88rem;
}
.credit-table-cell:first-child {
  background: var(--gray-50);
  font-weight: 700;
  color: var(--navy);
  font-size: 0.82rem;
  border-right: 1px solid var(--gray-100);
}
.credit-table-cell:last-child { color: var(--gray-700); }
.credit-table-cell ul { padding-left: 14px; }
.credit-table-cell ul li { margin-bottom: 3px; }

/* Representative examples */
.rep-examples { display: flex; flex-direction: column; gap: 14px; }
.rep-example {
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--white);
  box-shadow: var(--shadow-sm);
}
.rep-example-header {
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-100);
  padding: 11px 16px;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 8px;
}
.rep-example-header::before {
  content: '';
  width: 8px; height: 8px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--copper-light), var(--copper));
  flex-shrink: 0;
}
.rep-example-body { padding: 14px 16px; }
.rep-example-body p { font-size: 0.83rem; color: var(--gray-700); line-height: 1.65; }

/* Security / Collateral */
.security-block {
  margin-top: 32px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
}
.security-block-header {
  background: var(--navy);
  background-image: repeating-linear-gradient(-45deg, transparent, transparent 6px,
    rgba(255,255,255,0.025) 6px, rgba(255,255,255,0.025) 7px);
  padding: 18px 24px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.security-block-header h3 { color: var(--white); font-size: 1rem; }
.security-block-header::before {
  content: '';
  width: 3px; height: 20px;
  background: linear-gradient(to bottom, var(--copper-light), var(--copper));
  border-radius: 2px;
  flex-shrink: 0;
}
.security-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: var(--gray-100);
}
.security-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.86rem;
  color: var(--gray-700);
  padding: 12px 16px;
  background: var(--white);
}
.security-item svg {
  width: 15px; height: 15px;
  color: var(--copper);
  flex-shrink: 0;
  margin-top: 2px;
}

/* =============================================
   CALCULATOR
   ============================================= */
.calculator-section {
  background-color: var(--navy-deep);
  background-image: repeating-linear-gradient(-45deg, transparent, transparent 6px,
    rgba(255,255,255,0.022) 6px, rgba(255,255,255,0.022) 7px);
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}
.calculator-section::before,
.calculator-section::after {
  content: '';
  position: absolute;
  border: 2px solid rgba(193,112,48,0.15);
  clip-path: polygon(50% 0%, 100% 25%, 100% 75%, 50% 100%, 0% 75%, 0% 25%);
  pointer-events: none;
}
.calculator-section::before { width: 300px; height: 300px; right: -80px; top: -80px; }
.calculator-section::after  { width: 180px; height: 180px; left: -40px; bottom: -40px; opacity: 0.5; }

.calc-wrapper {
  max-width: 820px;
  margin: 0 auto;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.09);
  border-radius: var(--radius-lg);
  padding: 40px;
  backdrop-filter: blur(8px);
}
.calc-inputs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-bottom: 28px;
}
.calc-field label {
  display: block;
  color: rgba(255,255,255,0.65);
  font-size: 0.8rem;
  font-weight: 700;
  margin-bottom: 10px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.calc-input-row {
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 10px;
  padding: 11px 16px;
  margin-bottom: 10px;
  transition: border-color var(--ease);
}
.calc-input-row:focus-within { border-color: var(--copper); box-shadow: 0 0 0 3px rgba(193,112,48,0.15); }
.calc-input-row input[type="number"] {
  flex: 1;
  background: none;
  border: none;
  outline: none;
  color: var(--white);
  font-size: 1.2rem;
  font-weight: 700;
  font-family: inherit;
  min-width: 0;
}
.calc-input-row input[type="number"]::-webkit-inner-spin-button,
.calc-input-row input[type="number"]::-webkit-outer-spin-button { -webkit-appearance: none; }
.calc-input-unit {
  color: rgba(255,255,255,0.4);
  font-size: 0.84rem;
  font-weight: 700;
  flex-shrink: 0;
}
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 5px;
  background: rgba(255,255,255,0.22);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--copper-light), var(--copper));
  cursor: pointer;
  box-shadow: 0 0 0 4px rgba(193,112,48,0.22);
  transition: box-shadow var(--ease);
}
input[type="range"]::-webkit-slider-thumb:hover { box-shadow: 0 0 0 8px rgba(193,112,48,0.20); }
.calc-range-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 6px;
  font-size: 0.72rem;
  color: rgba(255,255,255,0.30);
}
.calc-rate-row {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 24px;
  padding: 12px 16px;
  background: rgba(255,255,255,0.04);
  border-radius: 8px;
  border: 1px solid rgba(255,255,255,0.07);
}
.calc-rate-row label {
  color: rgba(255,255,255,0.55);
  font-size: 0.82rem;
  font-weight: 600;
  flex: 1;
}
.calc-rate-select {
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 6px;
  color: var(--white);
  font-size: 0.9rem;
  font-weight: 700;
  padding: 6px 10px;
  outline: none;
  cursor: pointer;
  font-family: inherit;
}
.calc-results {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 22px;
}
.calc-result-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.09);
  border-radius: var(--radius);
  padding: 22px 24px;
  text-align: center;
}
.calc-result-card.primary {
  background: linear-gradient(135deg, var(--copper), var(--copper-dark));
  border-color: var(--copper);
}
.calc-result-label {
  font-size: 0.76rem;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.09em;
  font-weight: 700;
  margin-bottom: 8px;
}
.calc-result-card.primary .calc-result-label { color: rgba(255,255,255,0.82); }
.calc-result-value {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
}
.calc-note {
  font-size: 0.77rem;
  color: rgba(255,255,255,0.30);
  text-align: center;
  line-height: 1.65;
}

/* =============================================
   DOCUMENTS
   ============================================= */
.docs-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(270px, 1fr));
  gap: 14px;
}
.doc-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 18px;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  transition: box-shadow var(--ease), transform var(--ease), border-color var(--ease);
  cursor: pointer;
  box-shadow: var(--shadow-sm);
}
.doc-item:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  border-color: var(--copper-border);
}
.doc-icon {
  width: 40px; height: 40px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.doc-icon.pdf { background: rgba(220,38,38,0.08); color: #DC2626; }
.doc-icon.doc { background: rgba(37,99,235,0.08); color: #2563EB; }
.doc-icon svg { width: 20px; height: 20px; }
.doc-name {
  font-size: 0.86rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.3;
  flex: 1;
}
.doc-dl {
  width: 30px; height: 30px;
  border-radius: 8px;
  background: var(--gray-50);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--gray-500);
  transition: background var(--ease), color var(--ease);
  border: 1px solid var(--gray-100);
}
.doc-item:hover .doc-dl {
  background: linear-gradient(135deg, var(--copper-light), var(--copper));
  color: var(--white);
  border-color: var(--copper);
}
.doc-dl svg { width: 14px; height: 14px; }

/* =============================================
   CTA STRIP
   ============================================= */
.cta-strip {
  background-color: var(--navy);
  background-image: repeating-linear-gradient(-45deg, transparent, transparent 6px,
    rgba(255,255,255,0.022) 6px, rgba(255,255,255,0.022) 7px);
  padding: 64px 0;
  position: relative;
  overflow: hidden;
}
.cta-strip::after {
  content: '';
  position: absolute;
  right: -60px; top: -60px;
  width: 220px; height: 220px;
  border: 2px solid rgba(193,112,48,0.18);
  clip-path: polygon(50% 0%, 100% 25%, 100% 75%, 50% 100%, 0% 75%, 0% 25%);
  pointer-events: none;
}
.cta-strip-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 28px;
}
.cta-strip h2 { color: var(--white); }
.cta-strip p { color: rgba(255,255,255,0.60); margin-top: 8px; }
.cta-strip-actions { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
.cta-phone {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
  font-weight: 700;
  font-size: 1.08rem;
}
.cta-phone svg { width: 18px; height: 18px; color: var(--copper-light); }

/* =============================================
   CONTACT PAGE
   ============================================= */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 40px;
  align-items: start;
}
.contact-info-card {
  background-color: var(--navy);
  background-image: repeating-linear-gradient(-45deg, transparent, transparent 6px,
    rgba(255,255,255,0.022) 6px, rgba(255,255,255,0.022) 7px);
  border-radius: var(--radius-lg);
  padding: 40px 34px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.contact-info-card::after {
  content: '';
  position: absolute;
  bottom: -40px; right: -40px;
  width: 160px; height: 160px;
  border: 2px solid rgba(193,112,48,0.18);
  clip-path: polygon(50% 0%, 100% 25%, 100% 75%, 50% 100%, 0% 75%, 0% 25%);
  pointer-events: none;
}
.contact-info-card h2 { color: var(--white); margin-bottom: 8px; }
.contact-info-card > p { color: rgba(255,255,255,0.60); margin-bottom: 32px; }
.contact-info-items { display: flex; flex-direction: column; gap: 22px; }
.contact-branch-label {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--copper-light);
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.contact-branch-label::before {
  content: '';
  width: 18px; height: 2px;
  background: linear-gradient(90deg, var(--copper-light), var(--copper));
  border-radius: 1px;
  flex-shrink: 0;
}
.contact-info-items { display: flex; flex-direction: column; gap: 14px; margin-bottom: 8px; }
.contact-info-item { display: flex; align-items: flex-start; gap: 14px; }
.contact-info-icon {
  width: 42px; height: 42px;
  border-radius: 10px;
  background: rgba(193,112,48,0.15);
  border: 1px solid var(--copper-border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.contact-info-icon svg { width: 18px; height: 18px; color: var(--copper-light); }
.contact-info-text strong {
  display: block;
  color: rgba(255,255,255,0.50);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 4px;
}
.contact-info-text span { color: var(--white); font-weight: 500; font-size: 0.93rem; }
.contact-info-text a { color: var(--white); font-weight: 500; font-size: 0.93rem; }
.contact-info-text a:hover { color: var(--copper-light); }
.contact-hours {
  margin-top: 28px;
  padding: 14px 18px;
  background: rgba(255,255,255,0.05);
  border-radius: 10px;
  border: 1px solid rgba(255,255,255,0.08);
}
.contact-hours p { color: rgba(255,255,255,0.60); font-size: 0.86rem; margin: 0; }
.contact-hours strong { color: var(--white); display: block; margin-bottom: 4px; }

/* Form */
.contact-form-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 40px 34px;
  box-shadow: var(--shadow-md);
}
.contact-form-card h2 { color: var(--navy); margin-bottom: 8px; }
.contact-form-card > p { color: var(--gray-700); margin-bottom: 28px; }
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-200);
  border-radius: 8px;
  font-size: 0.91rem;
  font-family: inherit;
  color: var(--gray-900);
  background: var(--white);
  outline: none;
  transition: border-color var(--ease), box-shadow var(--ease);
}
.form-control:focus {
  border-color: var(--copper);
  box-shadow: 0 0 0 3px rgba(193,112,48,0.12);
}
textarea.form-control { resize: vertical; min-height: 130px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-submit { margin-top: 8px; }
.form-success {
  display: none;
  text-align: center;
  padding: 28px;
  background: rgba(34,197,94,0.05);
  border: 1px solid rgba(34,197,94,0.2);
  border-radius: var(--radius);
  margin-top: 20px;
}
.form-success svg { width: 44px; height: 44px; color: #16a34a; margin: 0 auto 14px; }
.form-success h3 { color: #15803d; margin-bottom: 8px; }
.form-success p { color: var(--gray-700); font-size: 0.88rem; }
.form-error-msg {
  display: none;
  padding: 12px 16px;
  background: rgba(220,38,38,0.05);
  border: 1px solid rgba(220,38,38,0.2);
  border-radius: 8px;
  color: #DC2626;
  font-size: 0.86rem;
  margin-top: 12px;
}

/* =============================================
   FOOTER
   ============================================= */
.site-footer {
  background-color: var(--navy-deep);
  background-image: repeating-linear-gradient(-45deg, transparent, transparent 6px,
    rgba(255,255,255,0.018) 6px, rgba(255,255,255,0.018) 7px);
  padding: 64px 0 32px;
}
.footer-top-bar {
  border-bottom: 1px solid rgba(255,255,255,0.07);
  margin-bottom: 48px;
  padding-bottom: 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
}
.footer-top-bar img { height: 36px; width: auto; }
.footer-top-bar p {
  color: rgba(255,255,255,0.38);
  font-size: 0.82rem;
  max-width: 360px;
  margin: 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-col h4 {
  color: rgba(255,255,255,0.85);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 18px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.footer-col h4::before {
  content: '';
  width: 18px; height: 2px;
  background: linear-gradient(90deg, var(--copper-light), var(--copper));
  border-radius: 1px;
  flex-shrink: 0;
}
.footer-col ul { display: flex; flex-direction: column; gap: 9px; }
.footer-col ul a {
  color: rgba(255,255,255,0.42);
  font-size: 0.87rem;
  font-weight: 500;
  transition: color var(--ease), padding-left var(--ease);
}
.footer-col ul a:hover { color: var(--copper-light); padding-left: 4px; }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 12px;
}
.footer-contact-item svg {
  width: 14px; height: 14px;
  color: var(--copper);
  margin-top: 3px;
  flex-shrink: 0;
}
.footer-contact-item span,
.footer-contact-item a {
  font-size: 0.86rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.55;
}
.footer-contact-item a:hover { color: var(--copper-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding-top: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.25);
  margin: 0;
}
.footer-bottom-links { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-bottom-links a {
  color: rgba(255,255,255,0.25);
  font-size: 0.78rem;
  transition: color var(--ease);
}
.footer-bottom-links a:hover { color: var(--copper-light); }
.footer-contact-divider,
.contact-info-divider {
  border: none;
  border-top: 1px solid rgba(255,255,255,0.08);
  margin: 10px 0;
}
.footer-branch-title {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--copper-light);
  margin-bottom: 8px;
}
.footer-social {
  display: flex;
  align-items: center;
  gap: 10px;
}
.footer-social a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.12);
  color: rgba(255,255,255,0.45);
  transition: color var(--ease), border-color var(--ease), background var(--ease);
}
.footer-social a:hover {
  color: var(--copper-light);
  border-color: rgba(193,112,48,0.5);
  background: rgba(193,112,48,0.1);
}
.footer-social svg { width: 16px; height: 16px; }

/* =============================================
   ANIMATIONS
   ============================================= */
[data-anim] {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.55s cubic-bezier(0.4,0,0.2,1), transform 0.55s cubic-bezier(0.4,0,0.2,1);
}
[data-anim].visible { opacity: 1; transform: none; }
[data-anim-delay="1"] { transition-delay: 0.08s; }
[data-anim-delay="2"] { transition-delay: 0.16s; }
[data-anim-delay="3"] { transition-delay: 0.24s; }
[data-anim-delay="4"] { transition-delay: 0.32s; }

/* =============================================
   MOBILE MENU
   ============================================= */
.mobile-menu {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 999;
  background-color: var(--navy-deep);
  background-image: repeating-linear-gradient(-45deg, transparent, transparent 6px,
    rgba(255,255,255,0.022) 6px, rgba(255,255,255,0.022) 7px);
  flex-direction: column;
  padding: calc(var(--header-h) + 24px) 24px 32px;
  overflow-y: auto;
}
.mobile-menu.open { display: flex; }
.mobile-menu-section { margin-bottom: 24px; }
.mobile-menu-section-title {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 10px;
  padding: 0 4px;
}
.mobile-menu a {
  display: block;
  padding: 12px 16px;
  color: rgba(255,255,255,0.82);
  font-size: 0.95rem;
  font-weight: 600;
  border-radius: 8px;
  transition: background var(--ease), color var(--ease);
  margin-bottom: 2px;
}
.mobile-menu a:hover { background: rgba(255,255,255,0.07); color: var(--white); }
.mobile-menu-divider { height: 1px; background: rgba(255,255,255,0.07); margin: 10px 0; }
.mobile-menu-phone { margin-top: auto; padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.07); }
.mobile-menu-phone a {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
  font-weight: 700;
  font-size: 1.08rem;
}
.mobile-menu-phone svg { width: 18px; height: 18px; color: var(--copper-light); }

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .credit-layout > div:first-child { grid-template-columns: 1fr; }
  .credit-layout > div:last-child .rep-examples { grid-template-columns: 1fr; }
  .security-list { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  :root { --header-h: 64px; }
  .section { padding: 60px 0; }
  .header-nav, .header-phone { display: none; }
  .menu-toggle { display: flex; }
  .hero { padding-top: var(--header-h); }
  h1 { font-size: clamp(1.8rem, 8vw, 2.8rem); }
  .hero-badge { display: none; }
  .hero-stats { gap: 0; display: grid; grid-template-columns: repeat(3, 1fr); padding-top: 20px; }
  .hero-stat-value { font-size: 1.1rem; }
  .hero-stat-label { font-size: 0.58rem; letter-spacing: 0.03em; }
  .hero-hex-1, .hero-hex-2, .hero-hex-3 { display: none; }
  .page-hero { height: 460px; padding-bottom: 44px; }
  .page-hero-hex { display: none; }
  .calc-inputs { grid-template-columns: 1fr; gap: 20px; }
  .calc-results { grid-template-columns: 1fr; }
  .calc-wrapper { padding: 28px 20px; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
  .form-row { grid-template-columns: 1fr; }
  .cta-strip-inner { flex-direction: column; }
  .products-grid { grid-template-columns: 1fr; }
}
@media (max-width: 520px) {
  .hero-actions { flex-direction: column; align-items: flex-start; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-top-bar { flex-direction: column; }
  .docs-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-bottom-links { justify-content: center; }
}