:root {
  --accent: #b88a3b;
  --accent-dark: #966e2c;
  --soft-gold: #ead6a3;
  --whatsapp: #15995a;
  --ink: #202633;
  --muted: #646b74;
  --line: #ded7cc;
  --soft: #f5f5f2;
  --soft-2: #eef0ef;
  --footer: #20242b;
  --white: #fff;
  --container: 1160px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background: var(--soft);
  font-family: "Segoe UI", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.55;
  overflow-x: hidden;
}

button, input, select { font: inherit; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }

.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;
}

.container, .header-inner {
  width: min(calc(100% - 48px), var(--container));
  margin-inline: auto;
}

.center { display: flex; justify-content: center; }

.button {
  display: inline-flex;
  min-height: 52px;
  padding: 0 30px;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 999px;
  font-weight: 650;
  line-height: 1.2;
  cursor: pointer;
  transition: transform .2s ease, background .2s ease, color .2s ease;
}

.button:hover { transform: translateY(-2px); }
.button-primary { color: var(--white); background: var(--accent); }
.button-primary:hover { background: var(--accent-dark); }
.button-primary span { margin-left: .35em; }
.button-secondary { color: var(--ink); border: 1px solid var(--accent); background: var(--white); }
.button-secondary:hover { color: var(--white); background: var(--accent-dark); }
.button-main { min-width: 250px; }
.button-small { min-height: 42px; padding: 0 20px; font-size: 14px; }
.button-outline { color: var(--accent); border: 1px solid var(--accent); background: transparent; }
.button-whatsapp { color: var(--white); background: var(--whatsapp); }
.button-soft { min-height: 52px; background: var(--soft); font-weight: 500; }

.site-header {
  position: relative;
  z-index: 20;
  background: var(--white);
  box-shadow: 0 2px 10px rgb(0 0 0 / 6%);
}

.utility-bar { border-bottom: 1px solid #ececec; }
.utility-inner { display: flex; min-height: 82px; align-items: center; justify-content: space-between; gap: 30px; }

.brand { display: inline-flex; align-items: center; gap: 12px; }
.brand img {
  width: 56px;
  height: 56px;
  object-fit: cover;
  object-position: center;
  border-radius: 50%;
}
.brand span { display: flex; flex-direction: column; line-height: 1.15; }
.brand strong { letter-spacing: .04em; font-size: 18px; }
.brand small { margin-top: 5px; color: var(--muted); font-size: 11px; letter-spacing: .02em; }

.utility-actions { display: flex; align-items: center; justify-content: flex-end; gap: 18px; }
.text-link { font-size: 14px; }
.language select, .mobile-actions select {
  padding: 7px 22px 7px 8px;
  border: 0;
  color: var(--ink);
  background: transparent;
}

.main-nav { background: var(--white); }
.nav-inner { display: flex; min-height: 62px; align-items: stretch; justify-content: center; }
.nav-inner a {
  position: relative;
  display: flex;
  min-width: 176px;
  padding: 11px 25px 10px;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  border-left: 1px solid #ececec;
  line-height: 1.2;
}
.nav-inner a:last-child { border-right: 1px solid #ececec; }
.nav-inner a::after {
  position: absolute;
  right: 50%;
  bottom: 0;
  left: 50%;
  height: 3px;
  content: "";
  background: var(--accent);
  transition: right .2s, left .2s;
}
.nav-inner a:hover::after { right: 18%; left: 18%; }
.nav-inner span { font-weight: 700; }
.nav-inner small { margin-top: 4px; color: var(--muted); font-size: 11px; }
.mobile-actions { display: none; }

.hero { position: relative; min-height: 590px; background: var(--soft-2); overflow: hidden; }
.slides { min-height: inherit; }
.slide { display: none; min-height: inherit; animation: fade .5s ease; }
.slide.is-active { display: block; }
@keyframes fade { from { opacity: .25; } to { opacity: 1; } }

.hero-inner {
  display: grid;
  width: min(calc(100% - 48px), 1280px);
  min-height: 590px;
  margin-inline: auto;
  grid-template-columns: 58% 42%;
  align-items: center;
}

.hero-copy { max-width: 700px; padding: 70px 40px 82px 20px; }
.eyebrow, .section-kicker {
  margin: 0 0 10px;
  color: var(--accent);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
}

.hero h1, .hero h2 {
  margin: 0;
  font-size: clamp(42px, 4vw, 62px);
  line-height: 1.08;
  letter-spacing: -.025em;
  font-weight: 750;
}

.hero-lead { max-width: 660px; margin: 20px 0 25px; color: #464d56; font-size: 19px; line-height: 1.55; }
.slide-note { max-width: 560px; margin: -8px 0 30px; color: var(--muted); }
.official-number { margin: 0 0 20px; font-size: 15px; }
.hero-actions { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; }
.hero-actions .button-outline { background: rgb(255 255 255 / 55%); }

.features {
  display: grid;
  max-width: 680px;
  margin: 0 0 34px;
  grid-template-columns: repeat(3, 1fr);
}
.features > div {
  display: grid;
  padding: 0 18px;
  grid-template: auto auto / 44px 1fr;
  border-left: 1px solid #c7c9cb;
  align-items: center;
}
.features > div:first-child { padding-left: 0; border-left: 0; }
.feature-icon {
  display: flex;
  width: 34px;
  height: 34px;
  grid-row: 1 / 3;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--accent);
  border-radius: 50%;
  color: var(--accent);
  font-size: 11px;
}
.features strong { font-size: 14px; line-height: 1.2; }
.features small { color: var(--muted); font-size: 11px; }

.hero-graphic {
  position: relative;
  display: flex;
  min-height: 590px;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, #eee9df, #faf8f3);
  overflow: hidden;
}
.hero-media {
  background-position: center;
  background-repeat: no-repeat;
  background-size: contain;
}
.hero-media.has-image {
  background-image: var(--hero-image);
  background-size: cover;
}
.hero-media-1.has-image { background-position: 82% center; }
.hero-media-2.has-image { background-position: 80% center; }
.hero-media-3.has-image { background-position: 86% center; }
.hero-media.has-image > * { opacity: 0; pointer-events: none; }
.graphic-orbit { position: absolute; border: 1px solid #c6c8ca; border-radius: 50%; }
.orbit-one { width: 490px; height: 490px; }
.orbit-two { width: 340px; height: 340px; border-color: rgb(184 138 59 / 45%); }
.graphic-card {
  position: relative;
  display: flex;
  width: 290px;
  padding: 42px 30px;
  align-items: center;
  flex-direction: column;
  border-radius: 8px;
  background: rgb(255 255 255 / 88%);
  box-shadow: 0 24px 60px rgb(0 0 0 / 10%);
}
.graphic-card img { width: 130px; height: 130px; object-fit: cover; border-radius: 50%; }
.graphic-card strong { margin-top: 20px; letter-spacing: .06em; }
.graphic-card span { margin-top: 5px; color: var(--muted); font-size: 12px; }
.graphic-payment, .graphic-safety { flex-direction: column; gap: 25px; }
.zero-ring {
  display: flex;
  width: 290px;
  height: 290px;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  border: 16px solid var(--white);
  border-radius: 50%;
  color: var(--muted);
  box-shadow: 0 20px 50px rgb(0 0 0 / 8%);
}
.zero-ring strong { color: var(--accent); font-size: 110px; line-height: .9; }
.zero-ring span { font-weight: 700; text-transform: uppercase; letter-spacing: .15em; }
.graphic-tag { padding: 11px 22px; border-radius: 999px; background: var(--white); font-size: 13px; }
.shield {
  display: flex;
  width: 240px;
  height: 270px;
  align-items: center;
  justify-content: center;
  border: 15px solid var(--accent);
  border-radius: 100px 100px 125px 125px;
  color: var(--accent);
  background: var(--white);
  box-shadow: 0 20px 50px rgb(0 0 0 / 8%);
}
.shield span { font-size: 100px; font-weight: 700; }

.carousel-dots {
  position: absolute;
  bottom: 28px;
  left: 50%;
  display: flex;
  gap: 10px;
  transform: translateX(-50%);
}
.carousel-dots button {
  width: 10px;
  height: 10px;
  padding: 0;
  border: 0;
  border-radius: 50%;
  background: #a7a9ac;
  cursor: pointer;
}
.carousel-dots button.is-active { width: 28px; border-radius: 10px; background: var(--accent); }

.hero.campaign-hero {
  min-height: 0;
  padding: 18px 24px 24px;
  background: #eef0ef;
}
.campaign-carousel { width: min(100%, 1360px); margin-inline: auto; }
.campaign-hero .slides, .campaign-hero .slide { min-height: 0; }
.campaign-hero .slide { animation: none; }
.campaign-banner {
  position: relative;
  display: grid;
  min-height: clamp(560px, 50vw, 720px);
  overflow: hidden;
  grid-template-columns: minmax(430px, 46%) 1fr;
  align-items: center;
  border: 0;
  background: #f7f8f7;
  box-shadow: none;
}
.campaign-banner::before {
  position: absolute;
  inset: 0;
  z-index: 1;
  content: "";
  background: linear-gradient(90deg, rgb(247 248 247 / 98%) 0%, rgb(247 248 247 / 91%) 34%, rgb(247 248 247 / 22%) 57%, transparent 75%);
  pointer-events: none;
}
.campaign-visual {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.campaign-visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: right center;
}
.campaign-content {
  position: relative;
  z-index: 2;
  max-width: 540px;
  padding: clamp(38px, 4.8vw, 64px) clamp(32px, 5vw, 70px);
}
.campaign-kicker {
  display: inline-flex;
  margin: 0 0 16px;
  padding: 7px 13px;
  border-left: 3px solid var(--accent);
  color: var(--accent-dark);
  background: #fff;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .16em;
  text-transform: uppercase;
}
.campaign-content h1,
.campaign-content h2 {
  max-width: 620px;
  margin: 0;
  color: #1f2430;
  font-size: clamp(44px, 4.7vw, 68px);
  font-weight: 850;
  line-height: .98;
  letter-spacing: -.045em;
  text-transform: uppercase;
}
.campaign-subheadline {
  max-width: 420px;
  margin: 18px 0 24px;
  color: #3f4650;
  font-size: clamp(17px, 1.45vw, 20px);
  line-height: 1.4;
}
.campaign-benefits {
  display: grid;
  max-width: 500px;
  margin: 0 0 26px;
  grid-template-columns: repeat(3, 1fr);
  border-top: 1px solid #cfd2d4;
  border-bottom: 1px solid #cfd2d4;
  background: rgb(255 255 255 / 86%);
}
.campaign-benefits span {
  min-height: 62px;
  padding: 12px 12px;
  display: flex;
  align-items: center;
  border-left: 1px solid #cfd2d4;
  color: #2b313a;
  font-size: 12px;
  font-weight: 800;
  line-height: 1.2;
  text-transform: uppercase;
}
.campaign-benefits span:first-child { border-left: 0; }
.campaign-cta { min-height: 50px; box-shadow: 0 10px 20px rgb(21 153 90 / 20%); }
.campaign-hero .carousel-dots {
  position: static;
  display: flex;
  margin-top: 12px;
  justify-content: center;
  transform: none;
}
.campaign-hero .carousel-dots button {
  width: 9px;
  height: 9px;
  background: #aeb2b6;
}
.campaign-hero .carousel-dots button.is-active {
  width: 28px;
  background: var(--accent);
}

.section { padding: 82px 0; }
.section-title { margin: 0 0 48px; font-size: 34px; line-height: 1.2; text-align: center; }
.section-kicker { text-align: center; }
.service-grid { display: grid; margin-bottom: 38px; grid-template-columns: repeat(3, 1fr); gap: 34px; }
.service { padding: 0 8px 6px; text-align: center; transition: transform .25s ease; }
.service:hover { transform: translateY(-5px); }
.service-visual {
  position: relative;
  display: flex;
  height: 198px;
  margin-bottom: 26px;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--line);
  border-radius: 10px;
  background:
    radial-gradient(circle at 75% 20%, rgb(234 214 163 / 65%) 0 34px, transparent 35px),
    linear-gradient(145deg, #fff 0 60%, #f1ede5 60%);
  overflow: hidden;
  box-shadow: 0 12px 26px rgb(32 38 51 / 5%);
  transition: border-color .25s ease, box-shadow .25s ease;
}
.service:hover .service-visual { border-color: #cdbb98; box-shadow: 0 18px 38px rgb(32 38 51 / 9%); }
.service-visual::before {
  position: absolute;
  inset: 18px;
  border: 1px solid rgb(184 138 59 / 18%);
  border-radius: 8px;
  content: "";
}
.service-visual svg { position: relative; width: 142px; height: 106px; fill: none; stroke: #3c4350; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.service-visual svg .accent-line { stroke: var(--accent); stroke-width: 4; }
.business { background:
  radial-gradient(circle at 24% 24%, rgb(234 214 163 / 62%) 0 30px, transparent 31px),
  linear-gradient(35deg, #f1ede5 0 34%, #fff 34%); }
.consolidation { background:
  radial-gradient(circle at 78% 76%, rgb(234 214 163 / 60%) 0 38px, transparent 39px),
  linear-gradient(145deg, #fff 0 58%, #f1ede5 58%); }
.service h3 { margin: 0 0 10px; font-size: 22px; letter-spacing: -.015em; }
.service p { max-width: 300px; min-height: 0; margin: 0 auto; color: var(--muted); font-size: 15px; }
.service a { display: none; color: var(--accent); font-size: 14px; font-weight: 700; }
.service a span { margin-left: 5px; }

.loan-summary { margin: 0 0 36px; }
.loan-summary p { margin: 2px 0; }
.table-scroll { width: 100%; overflow-x: auto; outline: none; }
table { width: 100%; min-width: 900px; border-collapse: collapse; font-size: 16px; }
th, td { padding: 8px 12px; border: 2px solid var(--white); text-align: right; }
thead th { padding: 20px 12px; color: var(--ink); background: var(--soft-gold); text-align: center; }
tbody th { font-weight: 400; text-align: left; }
tbody th, tbody td { background: #efefef; }
tbody tr:nth-child(even) th, tbody tr:nth-child(even) td { background: #e9e9e9; }
.disbursement th, .disbursement td, .total th, .total td { background: #e4ddd1; }
.total th, .total td { font-weight: 700; }
.scroll-hint { display: none; margin: 8px 0 0; color: var(--muted); font-size: 12px; }

.information-band { padding: 48px 0; color: var(--white); background: linear-gradient(135deg, #2b3038, #242932); }
.information-inner { display: grid; grid-template-columns: .85fr 2.15fr; gap: 52px; align-items: center; }
.information-inner .section-kicker { text-align: left; }
.information-inner h2 { margin: 0; font-size: 30px; line-height: 1.25; }
.information-action { display: grid; grid-template-columns: 1fr 1fr; align-items: start; gap: 16px 30px; }
.information-action p { margin: 0; color: #e5e6e8; }
.information-action .button { width: fit-content; min-height: 48px; grid-column: 1 / -1; }
.trust-statements { display: grid; gap: 10px; }
.trust-statements p { display: grid; grid-template-columns: 28px 1fr; align-items: start; gap: 10px; font-size: 14px; }
.trust-statements span { display: inline-flex; width: 26px; height: 26px; align-items: center; justify-content: center; border: 1px solid #c6a76d; border-radius: 50%; color: var(--soft-gold); font-size: 10px; }
.trust-credentials { display: grid; gap: 7px; padding: 18px 20px; border: 1px solid rgb(234 214 163 / 24%); border-radius: 10px; background: rgb(255 255 255 / 4%); }
.trust-credentials p { color: #d6d8dc; font-size: 12px; overflow-wrap: anywhere; }
.trust-credentials strong { display: block; color: var(--soft-gold); font-size: 10px; letter-spacing: .08em; text-transform: uppercase; }

.repayment-preview { padding: 48px 0; background: var(--white); }
.repayment-preview-inner {
  display: grid;
  grid-template-columns: 1.2fr 1.5fr auto;
  align-items: center;
  gap: 34px;
}
.repayment-preview .section-kicker { text-align: left; }
.repayment-preview h2 { margin: 0 0 9px; font-size: 30px; }
.repayment-preview-inner > div:first-child > p:last-child { margin: 0; color: var(--muted); }
.repayment-facts { display: grid; grid-template-columns: repeat(3, 1fr); border: 1px solid var(--line); }
.repayment-facts p { display: flex; min-height: 74px; margin: 0; padding: 13px; align-items: center; justify-content: center; flex-direction: column; border-left: 1px solid var(--line); text-align: center; }
.repayment-facts p:first-child { border-left: 0; }
.repayment-facts span { color: var(--muted); font-size: 11px; }
.repayment-facts strong { margin-top: 4px; font-size: 18px; }
.repayment-link { min-width: 190px; white-space: nowrap; }

.faq-container { max-width: 1170px; }
.faq .section-title { margin-bottom: 30px; }
.faq .center { margin-bottom: 44px; }
.faq-heading {
  display: flex;
  margin-bottom: 18px;
  align-items: center;
  gap: 14px;
  color: var(--accent);
  font-size: 20px;
  font-weight: 700;
}
.faq-heading span { width: 5px; height: 24px; background: var(--accent); }
.faq-list { border-bottom: 1px solid #c9c9c9; }
.faq-list details { border-top: 1px solid #c9c9c9; }
.faq-list details:not([open]) > :not(summary) { display: none; }
.faq-list summary {
  position: relative;
  display: flex;
  min-height: 78px;
  padding: 20px 52px 20px 8px;
  align-items: center;
  justify-content: space-between;
  font-size: 19px;
  font-weight: 700;
  cursor: pointer;
  list-style: none;
}
.faq-list summary::-webkit-details-marker { display: none; }
.chevron {
  position: absolute;
  right: 14px;
  width: 12px;
  height: 12px;
  border-right: 3px solid var(--accent);
  border-bottom: 3px solid var(--accent);
  transform: rotate(45deg) translateY(-3px);
  transition: transform .2s ease;
}
details[open] .chevron { transform: rotate(225deg) translate(-2px, -2px); }
.faq-list details p { max-width: 850px; margin: -8px 55px 26px 10px; color: var(--muted); }
.faq-conversion { margin: 42px 0 0 !important; }
.repayment-answer { min-width: 0; padding: 0 10px 34px; }
.repayment-answer .loan-summary { margin: 0 0 28px; }
.repayment-answer .loan-summary p { max-width: none; margin: 2px 0; color: var(--ink); }
.repayment-answer .table-scroll { max-width: 100%; }
.repayment-answer .repayment-disclaimer { max-width: none; margin: 22px 0 0; color: var(--muted); font-size: 13px; font-style: italic; }

.application { background: #eee9df; }
.form-layout { display: grid; grid-template-columns: .82fr 1.18fr; gap: 64px; align-items: start; }
.form-intro .section-kicker { text-align: left; }
.form-intro h2 { margin: 0 0 20px; font-size: 38px; line-height: 1.15; }
.form-intro > p { color: var(--muted); }
.form-intro ul { margin: 28px 0 0; padding: 0; list-style: none; }
.form-intro li { position: relative; margin: 13px 0; padding-left: 27px; }
.form-intro li::before { position: absolute; left: 0; color: var(--accent); content: "✓"; font-weight: 700; }
.application-form { display: grid; padding: 36px; grid-template-columns: 1fr 1fr; gap: 20px 22px; border: 1px solid var(--line); border-radius: 10px; background: var(--white); box-shadow: 0 14px 34px rgb(32 38 51 / 6%); }
.field { display: flex; flex-direction: column; }
.field-wide { grid-column: 1 / -1; }
.field label { margin-bottom: 8px; color: #363d46; font-size: 13px; font-weight: 650; }
.field input, .field select { width: 100%; height: 52px; padding: 0 14px; border: 1px solid var(--line); border-radius: 2px; color: var(--ink); background: #fff; transition: border-color .2s ease, box-shadow .2s ease; }
.field input:focus, .field select:focus { border-color: var(--accent); outline: 0; box-shadow: 0 0 0 3px rgb(184 138 59 / 13%); }
.field input.is-invalid, .field select.is-invalid { border-color: #a63d3d; box-shadow: 0 0 0 3px rgb(166 61 61 / 10%); }
.field-error { margin: 6px 0 0; color: #973737; font-size: 12px; line-height: 1.35; }
.application-form .button { width: 100%; }
.form-status { min-height: 20px; margin: 12px 0 0; color: var(--whatsapp); font-size: 13px; text-align: center; }
.form-status[data-state="error"] { color: #9f2f2f; }

.site-footer { padding: 72px 0 0; color: #e9eaec; background: var(--footer); }
.footer-grid { display: grid; padding-bottom: 55px; grid-template-columns: 1.5fr .8fr .9fr 1.25fr; gap: 55px; }
.brand-footer { color: var(--white); }
.brand-footer img { width: 54px; height: 54px; }
.brand-footer small { color: #bdc0c4; }
.footer-brand p { margin: 23px 0 0; color: #c8cbd0; font-size: 14px; }
.footer-whatsapp { display: inline-flex; min-height: 42px; margin-top: 20px; padding: 0 18px; align-items: center; border-radius: 999px; color: var(--white); background: var(--whatsapp); font-size: 12px; font-weight: 700; }
.footer-grid h2 { margin: 0 0 22px; color: var(--white); font-size: 15px; text-transform: uppercase; letter-spacing: .08em; }
.footer-grid > div:not(:first-child) > a { display: block; margin: 0 0 13px; color: #c8cbd0; font-size: 14px; }
.compliance p { margin: 0 0 10px; color: #c8cbd0; font-size: 13px; }
.footer-bottom { display: flex; padding: 22px 0; justify-content: space-between; border-top: 1px solid #444a53; color: #aeb2b8; font-size: 12px; }
.footer-bottom p { margin: 0; }

.floating-whatsapp {
  position: fixed;
  right: 24px;
  bottom: 22px;
  z-index: 30;
  display: flex;
  min-height: 54px;
  padding: 0 22px 0 10px;
  align-items: center;
  gap: 10px;
  border-radius: 999px;
  color: var(--white);
  background: var(--whatsapp);
  box-shadow: 0 8px 25px rgb(0 0 0 / 18%);
  font-size: 14px;
  font-weight: 700;
}
.floating-whatsapp.is-suppressed { opacity: 0; visibility: hidden; pointer-events: none; }
.wa-mark { display: flex; width: 36px; height: 36px; align-items: center; justify-content: center; border: 2px solid var(--white); border-radius: 50%; }

@media (max-width: 960px) {
  .utility-actions { display: none; }
  .mobile-actions { display: flex; align-items: center; gap: 9px; }
  .mobile-cta { padding: 8px 11px; border: 1px solid var(--accent); border-radius: 999px; color: var(--accent); font-size: 11px; font-weight: 700; }
  .mobile-cta.whatsapp { color: var(--white); border-color: var(--whatsapp); background: var(--whatsapp); }
  .menu-toggle { display: flex; width: 40px; height: 40px; padding: 9px; align-items: stretch; justify-content: space-around; flex-direction: column; border: 0; background: transparent; }
  .menu-toggle span { height: 2px; background: var(--ink); }
  .main-nav { display: none; position: absolute; width: 100%; box-shadow: 0 8px 15px rgb(0 0 0 / 10%); }
  .main-nav.is-open { display: block; }
  .nav-inner { width: 100%; min-height: auto; flex-direction: column; }
  .nav-inner a, .nav-inner a:last-child { min-width: 0; padding: 13px 24px; align-items: flex-start; border: 0; border-top: 1px solid #ececec; }
  .hero-inner { grid-template-columns: 1fr 40%; }
  .features { grid-template-columns: 1fr; gap: 12px; }
  .features > div, .features > div:first-child { padding: 0; border: 0; }
  .service-grid { gap: 25px; }
  .form-layout { gap: 45px; }
}

@media (max-width: 700px) {
  body { padding-bottom: 68px; font-size: 15px; }
  .container, .header-inner { width: min(calc(100% - 32px), var(--container)); }
  .utility-inner { min-height: 74px; }
  .brand { gap: 7px; }
  .brand img { width: 42px; height: 42px; }
  .brand span { display: none; }
  .mobile-actions { gap: 4px; }
  .mobile-actions > .mobile-cta:not(.whatsapp) { display: none; }
  .mobile-cta { padding: 8px 11px; font-size: 10px; white-space: nowrap; }
  .mobile-actions select { width: 44px; padding: 5px 0; font-size: 11px; }
  .menu-toggle { width: 34px; padding: 8px 6px; }

  .hero { min-height: 710px; }
  .slide, .slides { min-height: 710px; }
  .hero-inner { width: 100%; min-height: 710px; grid-template-columns: 1fr; align-content: start; }
  .hero-copy { padding: 38px 24px 26px; }
  .hero h1, .hero h2 { font-size: clamp(34px, 10.5vw, 46px); }
  .hero-lead { margin: 14px 0 20px; font-size: 16px; }
  .features { margin-bottom: 25px; grid-template-columns: repeat(3, 1fr); gap: 0; }
  .features > div, .features > div:first-child { display: flex; padding: 0 7px; align-items: center; flex-direction: column; border-left: 1px solid #c7c9cb; text-align: center; }
  .features > div:first-child { padding-left: 0; border-left: 0; }
  .feature-icon { flex: 0 0 auto; margin-bottom: 6px; }
  .features strong { font-size: 11px; }
  .features small { font-size: 9px; }
  .hero-actions { gap: 9px; }
  .hero-copy .button { width: 100%; min-width: 0; min-height: 50px; padding: 0 18px; font-size: 13px; }
  .hero-graphic { min-height: 260px; background-size: contain; }
  .hero-media.has-image { min-height: 270px; background-position-y: center; background-size: cover; }
  .hero-media-1.has-image { background-position-x: 77%; }
  .hero-media-2.has-image { background-position-x: 76%; }
  .hero-media-3.has-image { background-position-x: 80%; }
  .graphic-card { width: 205px; padding: 20px; }
  .graphic-card img { width: 80px; height: 80px; }
  .graphic-card strong { margin-top: 12px; font-size: 13px; }
  .orbit-one { width: 290px; height: 290px; }
  .orbit-two { width: 210px; height: 210px; }
  .zero-ring { width: 185px; height: 185px; border-width: 10px; }
  .zero-ring strong { font-size: 70px; }
  .shield { width: 150px; height: 170px; border-width: 10px; }
  .shield span { font-size: 65px; }
  .carousel-dots { bottom: 15px; }

  .hero.campaign-hero { min-height: 0; padding: 0 0 18px; background: #eef0ef; }
  .campaign-carousel { width: 100%; }
  .campaign-hero .slides, .campaign-hero .slide { min-height: 0; }
  .campaign-banner {
    min-height: 0;
    grid-template-columns: 1fr;
    border-width: 0 0 1px;
    box-shadow: none;
    background: #f7f8f7;
  }
  .campaign-banner::before { display: none; }
  .campaign-visual {
    position: relative;
    order: 1;
    height: auto;
    aspect-ratio: 16 / 9;
  }
  .campaign-visual img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: 68% center;
  }
  .campaign-content {
    order: 2;
    max-width: none;
    padding: 20px 20px 22px;
  }
  .campaign-kicker { margin-bottom: 10px; padding: 5px 10px; font-size: 9px; letter-spacing: .12em; }
  .campaign-content h1,
  .campaign-content h2 {
    max-width: 330px;
    font-size: clamp(30px, 9.2vw, 39px);
    line-height: 1.04;
  }
  .campaign-subheadline { max-width: 335px; margin: 10px 0 15px; font-size: 14px; }
  .campaign-benefits {
    max-width: none;
    margin-bottom: 18px;
    grid-template-columns: 1fr;
  }
  .campaign-benefits span {
    min-height: 40px;
    padding: 9px 12px;
    justify-content: center;
    text-align: center;
    color: var(--ink);
    border-top: 1px solid #cfd2d4;
    border-left: 0;
    font-size: 10px;
    letter-spacing: .02em;
  }
  .campaign-benefits span:first-child { border-top: 0; }
  .campaign-cta { width: 100%; min-width: 0; min-height: 50px; padding: 0 18px; font-size: 13px; }
  .campaign-hero .carousel-dots { margin-top: 10px; }

  .section { padding: 68px 0; }
  .section-title { margin-bottom: 35px; font-size: 28px; }
  .service-grid { grid-template-columns: 1fr; gap: 52px; }
  .service-visual { max-width: 380px; height: 190px; margin: 0 auto 25px; }
  .service p { min-height: 0; }

  .loan-summary { font-size: 14px; }
  .table-scroll { width: 100%; }
  table { min-width: 840px; font-size: 14px; }
  th, td { padding: 7px 9px; }
  thead th { padding: 15px 9px; }
  .scroll-hint { display: block; }
  .information-inner { grid-template-columns: 1fr; gap: 20px; }
  .information-inner h2 { font-size: 28px; }
  .information-action { grid-template-columns: 1fr; gap: 22px; }
  .trust-credentials { padding: 17px 0 0; border-top: 1px solid rgb(234 214 163 / 35%); border-left: 0; }
  .information-action .button { width: 100%; min-width: 0; grid-column: auto; }

  .repayment-preview { padding: 55px 0; }
  .repayment-preview-inner { grid-template-columns: 1fr; gap: 24px; }
  .repayment-preview h2 { font-size: 27px; }
  .repayment-facts { width: 100%; }
  .repayment-facts p { min-height: 76px; padding: 10px 5px; }
  .repayment-facts strong { font-size: 16px; }
  .repayment-link { width: 100%; min-width: 0; }

  .faq .center { margin-bottom: 48px; }
  .faq-heading { margin-bottom: 18px; font-size: 16px; }
  .faq-list summary { min-height: 78px; padding: 19px 44px 19px 4px; font-size: 16px; line-height: 1.35; }
  .chevron { right: 10px; }
  .faq-list details > p { margin: -4px 40px 22px 4px; }
  .repayment-answer { padding: 0 4px 28px; }
  .repayment-answer .table-scroll { width: 100%; margin: 0; }
  .repayment-answer .loan-summary p { margin: 2px 0; }
  .repayment-answer .repayment-disclaimer { margin: 18px 0 0; }

  .form-layout { grid-template-columns: 1fr; gap: 35px; }
  .form-intro h2 { font-size: 32px; }
  .application-form { padding: 26px 20px; grid-template-columns: 1fr; gap: 18px; }
  .field-wide { grid-column: auto; }

  .site-footer { padding-top: 55px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px 25px; }
  .footer-brand, .compliance { grid-column: 1 / -1; }
  .footer-bottom { padding: 20px 0; flex-direction: column; gap: 8px; }
  .floating-whatsapp { right: 12px; bottom: 10px; left: auto; min-height: 48px; padding-right: 16px; justify-content: center; }
}

@media (max-width: 380px) {
  .features strong { font-size: 10px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}