* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: Arial, Helvetica, sans-serif;
    color: #0f172a;
    background: #f8fafc;
    line-height: 1.6;
    text-rendering: optimizeLegibility;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

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

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

button,
input,
textarea,
select {
    font: inherit;
}

.container {
    width: min(1200px, calc(100% - 40px));
    margin: 0 auto;
}

.site-main {
    min-height: 60vh;
}

/* =========================
   TOPBAR
========================= */
.topbar {
    background: linear-gradient(90deg, #0f172a, #1e293b);
    color: #cbd5e1;
    font-size: 13px;
}

.topbar__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    min-height: 42px;
}

.topbar__left,
.topbar__right {
    display: flex;
    align-items: center;
}

.topbar__right {
    gap: 18px;
}

.topbar__right a {
    transition: color 0.25s ease, opacity 0.25s ease;
}

.topbar__right a:hover {
    color: #ffffff;
}

.lang-switcher {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin-left: 6px;
    padding-left: 10px;
    border-left: 1px solid rgba(255, 255, 255, 0.18);
}

.lang-switcher a {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 38px;
    height: 28px;
    padding: 0 10px;
    border-radius: 999px;
    font-size: 12px;
    font-weight: 700;
    color: #cbd5e1;
    background: rgba(255, 255, 255, 0.08);
    transition: 0.25s ease;
}

.lang-switcher a:hover,
.lang-switcher a.active {
    background: #ffffff;
    color: #0f172a;
}

/* =========================
   HEADER / NAVBAR
========================= */
.site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.96);
    backdrop-filter: blur(10px);
    box-shadow: 0 8px 30px rgba(15, 23, 42, 0.06);
}

.navbar {
    position: relative;
}

.navbar__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    min-height: 78px;
}

.brand {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    flex-shrink: 0;
}

.brand__logo {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    border-radius: 14px;
    background: linear-gradient(135deg, #0f172a, #2563eb);
    color: #fff;
    font-size: 22px;
    font-weight: 800;
    letter-spacing: 0;
    box-shadow: 0 10px 24px rgba(37, 99, 235, 0.22);
}

.brand__logo--text {
    font-family: Arial, Helvetica, sans-serif;
}

.brand__text {
    font-size: 20px;
    font-weight: 700;
    color: #0f172a;
    line-height: 1.2;
}

.menu-toggle {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    width: 46px;
    height: 46px;
    padding: 0;
    border: 0;
    border-radius: 12px;
    background: #eff6ff;
    cursor: pointer;
    transition: background 0.25s ease, box-shadow 0.25s ease;
}

.menu-toggle:hover {
    background: #dbeafe;
}

.menu-toggle span {
    display: block;
    width: 20px;
    height: 2px;
    margin: 0 auto;
    border-radius: 999px;
    background: #0f172a;
}

.nav-panel {
    display: flex;
    align-items: center;
    gap: 22px;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 28px;
}

.nav-menu a {
    color: #334155;
    font-size: 15px;
    font-weight: 600;
    transition: 0.25s ease;
}

.nav-menu a:hover,
.nav-menu a.active {
    color: #2563eb;
}

/* =========================
   BUTTONS
========================= */
.btn-nav,
.btn-primary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 46px;
    padding: 0 22px;
    border: 0;
    border-radius: 999px;
    background: linear-gradient(135deg, #1d4ed8, #38bdf8);
    color: #fff;
    font-size: 14px;
    font-weight: 700;
    box-shadow: 0 14px 30px rgba(37, 99, 235, 0.18);
    transition: transform 0.25s ease, box-shadow 0.25s ease, opacity 0.25s ease;
}

.btn-nav:hover,
.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 18px 32px rgba(37, 99, 235, 0.24);
}

.btn-secondary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 46px;
    padding: 0 22px;
    border-radius: 999px;
    border: 1px solid rgba(255, 255, 255, 0.28);
    background: rgba(255, 255, 255, 0.08);
    color: #fff;
    font-size: 14px;
    font-weight: 700;
    transition: 0.25s ease;
}

.btn-secondary:hover {
    background: rgba(255, 255, 255, 0.16);
}

.btn-nav:focus-visible,
.btn-primary:focus-visible,
.btn-secondary:focus-visible,
.menu-toggle:focus-visible,
.lang-switcher a:focus-visible,
.nav-menu a:focus-visible,
.topbar__right a:focus-visible,
.footer__col a:focus-visible,
.loan-card__link:focus-visible {
    outline: 3px solid rgba(96, 165, 250, 0.4);
    outline-offset: 3px;
}

/* =========================
   GENERAL SECTIONS
========================= */
.section {
    padding: 90px 0;
}

.section-header {
    margin-bottom: 50px;
    text-align: center;
}

.section-header h2 {
    margin: 0 0 10px;
    font-size: 36px;
    line-height: 1.2;
}

.section-header p {
    margin: 0;
    color: #64748b;
    font-size: 17px;
    line-height: 1.8;
}

.section-kicker {
    display: inline-block;
    margin-bottom: 14px;
    color: #2563eb;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: 1.2px;
    text-transform: uppercase;
}

/* =========================
   HERO MAIN
========================= */
.hero-main {
    position: relative;
    overflow: hidden;
    padding: 90px 0 100px;
    background: linear-gradient(135deg, rgba(15, 23, 42, 0.94), rgba(30, 41, 59, 0.88)),
        url('https://images.unsplash.com/photo-1520607162513-77705c0f0d4a?auto=format&fit=crop&w=1600&q=80')
            center center / cover no-repeat;
}

.hero-main::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at top right, rgba(56, 189, 248, 0.18), transparent 25%),
        radial-gradient(circle at bottom left, rgba(37, 99, 235, 0.18), transparent 30%);
    pointer-events: none;
}

.hero-main__inner {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 46px;
    align-items: center;
}

.hero-main__content {
    color: #ffffff;
}

.hero-main__tag {
    display: inline-flex;
    align-items: center;
    margin-bottom: 18px;
    padding: 9px 16px;
    border-radius: 999px;
    border: 1px solid rgba(255, 255, 255, 0.18);
    background: rgba(255, 255, 255, 0.12);
    color: #e2e8f0;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
}

.hero-main__content h1 {
    margin: 0 0 18px;
    font-size: 56px;
    line-height: 1.08;
    font-weight: 800;
    letter-spacing: -0.5px;
}

.hero-main__content p {
    margin: 0 0 30px;
    max-width: 680px;
    color: rgba(255, 255, 255, 0.88);
    font-size: 18px;
    line-height: 1.75;
}

.hero-main__actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
}

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

.hero-main__image-card {
    width: 100%;
    max-width: 520px;
    overflow: hidden;
    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: 28px;
    background: rgba(255, 255, 255, 0.08);
    box-shadow: 0 28px 60px rgba(0, 0, 0, 0.28);
}

.hero-main__image-card img {
    display: block;
    width: 100%;
    height: 100%;
    min-height: 420px;
    object-fit: cover;
}

/* =========================
   ABOUT
========================= */
.about-section {
    background: #ffffff;
}

.about__inner {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 40px;
    align-items: center;
}

.about__text h2 {
    margin-top: 0;
    margin-bottom: 18px;
    font-size: 40px;
    line-height: 1.2;
    color: #0f172a;
}

.about__text p {
    margin: 0 0 18px;
    font-size: 18px;
    line-height: 1.8;
    color: #334155;
}

.about__image img {
    width: 100%;
    min-height: 360px;
    border-radius: 24px;
    background: #e2e8f0;
    box-shadow: 0 18px 40px rgba(15, 23, 42, 0.12);
    object-fit: cover;
}

.about-trust-list {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 24px;
}

.about-trust-item {
    display: inline-flex;
    align-items: center;
    min-height: 42px;
    padding: 0 16px;
    border-radius: 999px;
    background: #eff6ff;
    color: #1d4ed8;
    font-size: 14px;
    font-weight: 700;
}

/* =========================
   ADVANTAGES
========================= */
.advantages-section {
    background: linear-gradient(180deg, #f8fafc 0%, #eef4ff 100%);
}

.advantages-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.adv-card {
    position: relative;
    padding: 30px 24px 28px;
    border-radius: 22px;
    background: rgba(255, 255, 255, 0.88);
    backdrop-filter: blur(8px);
    box-shadow: 0 18px 40px rgba(15, 23, 42, 0.07);
    border: 1px solid rgba(148, 163, 184, 0.14);
    transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.adv-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 24px 46px rgba(15, 23, 42, 0.12);
    border-color: rgba(59, 130, 246, 0.18);
}

.adv-card__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 58px;
    height: 58px;
    margin-bottom: 18px;
    border-radius: 18px;
    background: linear-gradient(135deg, rgba(29, 78, 216, 0.12), rgba(56, 189, 248, 0.18));
    border: 1px solid rgba(59, 130, 246, 0.12);
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.6);
}

.adv-card__icon svg {
    width: 26px;
    height: 26px;
    stroke: #1d4ed8;
    stroke-width: 1.8;
    fill: none;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.adv-card h3 {
    margin-top: 0;
    margin-bottom: 12px;
    color: #0f172a;
    line-height: 1.3;
    font-size: 20px;
}

.adv-card p {
    margin: 0;
    color: #475569;
    line-height: 1.75;
}

.advantages-section .section-header {
    max-width: 760px;
    margin-left: auto;
    margin-right: auto;
}

/* =========================
   LOANS / SERVICES / WHY
========================= */
.loans-section,
.document-section,
.collateral-items-section {
    background: #ffffff;
}

.services-grid,
.why-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.service-card,
.why-item {
    padding: 26px;
    border-radius: 18px;
    background: #ffffff;
    box-shadow: 0 14px 30px rgba(0, 0, 0, 0.06);
    transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.service-card:hover,
.why-item:hover,
.loan-card:hover {
    transform: translateY(-4px);
}

.loans-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 28px;
}

.loan-card {
    overflow: hidden;
    border-radius: 24px;
    background: #ffffff;
    box-shadow: 0 20px 50px rgba(15, 23, 42, 0.08);
    border: 1px solid rgba(148, 163, 184, 0.12);
    transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.loan-card:hover {
    box-shadow: 0 24px 46px rgba(15, 23, 42, 0.12);
}

.loan-card__image img {
    width: 100%;
    height: 280px;
    object-fit: cover;
}

.loan-card__body {
    padding: 26px;
}

.loan-card__link {
    display: inline-block;
    margin-top: 18px;
    color: #2563eb;
    font-weight: 700;
}

/* =========================
   CTA
========================= */
.cta-section {
    padding: 90px 0;
    text-align: center;
    background: linear-gradient(135deg, #1d4ed8, #38bdf8);
    color: #fff;
}

.cta-section h2 {
    margin: 0 0 14px;
    font-size: 40px;
    line-height: 1.2;
}

.cta-section p {
    margin: 0 auto 24px;
    max-width: 760px;
    color: rgba(255, 255, 255, 0.9);
    font-size: 17px;
    line-height: 1.8;
}

/* =========================
   CONTACT
========================= */
.contact-grid {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.contact-panel {
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 28px;
    align-items: center;
    padding: 38px;
    border-radius: 28px;
    background: linear-gradient(135deg, rgba(15, 23, 42, 0.96), rgba(30, 41, 59, 0.92)),
        url('https://images.unsplash.com/photo-1554224155-8d04cb21cd6c?auto=format&fit=crop&w=1400&q=80')
            center center / cover no-repeat;
    color: #ffffff;
    box-shadow: 0 24px 60px rgba(15, 23, 42, 0.18);
}

.contact-panel--map {
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    align-items: stretch;
}

.contact-panel .section-kicker,
.contact-panel h2,
.contact-panel p,
.contact-panel strong {
    color: #ffffff;
}

.contact-panel h2 {
    margin: 0 0 14px;
    font-size: 38px;
    line-height: 1.2;
}

.contact-panel__left,
.contact-panel__right {
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.contact-panel__desc {
    margin-bottom: 20px;
    color: rgba(255, 255, 255, 0.86);
    line-height: 1.8;
}

.contact-info-list p {
    margin: 0 0 10px;
    line-height: 1.8;
}

.contact-info-list--stack p {
    margin: 0 0 14px;
    line-height: 1.8;
}

.contact-panel__actions {
    margin-top: 24px;
}

.contact-panel__right {
    display: flex;
    justify-content: flex-end;
}

.contact-map-embed {
    position: relative;
    overflow: hidden;
    height: 100%;
    min-height: 520px;
    border-radius: 24px;
    box-shadow: 0 24px 60px rgba(0, 0, 0, 0.25);
    background: rgba(255, 255, 255, 0.12);
}

.contact-map-embed iframe {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    border: 0;
}

/* =========================
   INNER HERO
========================= */
.inner-hero {
    position: relative;
    overflow: hidden;
    padding: 88px 0 96px;
    background: linear-gradient(135deg, rgba(15, 23, 42, 0.95), rgba(30, 41, 59, 0.9)),
        url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1600&q=80')
            center center / cover no-repeat;
    color: #fff;
}

.inner-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at top right, rgba(56, 189, 248, 0.16), transparent 24%),
        radial-gradient(circle at bottom left, rgba(37, 99, 235, 0.14), transparent 26%);
    pointer-events: none;
}

.inner-hero__inner {
    position: relative;
    z-index: 1;
}

.inner-hero__content {
    max-width: 860px;
}

.inner-hero__content h1 {
    margin: 0 0 18px;
    font-size: 52px;
    line-height: 1.08;
    font-weight: 800;
}

.inner-hero__content p {
    margin: 0;
    max-width: 760px;
    font-size: 18px;
    line-height: 1.8;
    color: rgba(255, 255, 255, 0.88);
}

/* =========================
   FEATURE STRIP
========================= */
.feature-strip-section {
    background: linear-gradient(180deg, #f8fafc 0%, #eef4ff 100%);
}

.feature-strip-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.feature-strip-grid.two-col {
    grid-template-columns: repeat(2, 1fr);
}

.feature-strip-card {
    padding: 30px 26px;
    border-radius: 22px;
    background: #ffffff;
    box-shadow: 0 20px 40px rgba(15, 23, 42, 0.07);
    border: 1px solid rgba(148, 163, 184, 0.12);
}

.feature-strip-card__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 56px;
    height: 56px;
    margin-bottom: 18px;
    border-radius: 16px;
    background: linear-gradient(135deg, #1d4ed8, #38bdf8);
    color: #fff;
    font-size: 18px;
    font-weight: 800;
    box-shadow: 0 14px 28px rgba(37, 99, 235, 0.18);
}

.feature-strip-card h3 {
    margin-top: 0;
    margin-bottom: 12px;
    color: #0f172a;
}

.feature-strip-card p {
    margin: 0;
    color: #475569;
    line-height: 1.75;
}

/* =========================
   DOCUMENTS
========================= */
.document-section__inner {
    display: grid;
    grid-template-columns: 0.95fr 1.05fr;
    gap: 42px;
    align-items: center;
}

.document-section__image img {
    width: 100%;
    min-height: 360px;
    border-radius: 24px;
    box-shadow: 0 20px 45px rgba(15, 23, 42, 0.12);
    object-fit: cover;
}

.document-section__lead {
    margin-bottom: 18px;
    color: #334155;
    font-size: 17px;
    line-height: 1.8;
}

.doc-list {
    margin: 0;
    padding-left: 20px;
    color: #475569;
    line-height: 1.9;
}

/* =========================
   COLLATERAL ITEMS
========================= */
.collateral-items-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.collateral-item-card {
    overflow: hidden;
    border-radius: 22px;
    background: #ffffff;
    border: 1px solid rgba(148, 163, 184, 0.12);
    box-shadow: 0 18px 40px rgba(15, 23, 42, 0.08);
    transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.collateral-item-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 24px 46px rgba(15, 23, 42, 0.12);
}

.collateral-item-card img {
    width: 100%;
    height: 240px;
    object-fit: cover;
}

.collateral-item-card h3 {
    margin: 0;
    padding: 18px 18px 20px;
    color: #0f172a;
    font-size: 18px;
}

/* =========================
   APPLY SECTION
========================= */
.apply-section {
    background: linear-gradient(180deg, #f8fafc 0%, #eef4ff 100%);
}

.apply-layout {
    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    gap: 32px;
    align-items: start;
}

.apply-side-card,
.apply-form-card {
    border-radius: 28px;
    background: #ffffff;
    box-shadow: 0 24px 60px rgba(15, 23, 42, 0.08);
    border: 1px solid rgba(148, 163, 184, 0.12);
    overflow: hidden;
}

.apply-side-card img {
    width: 100%;
    height: 280px;
    object-fit: cover;
}

.apply-side-card__body {
    padding: 28px;
}

.apply-side-card__body h2 {
    margin-top: 0;
    margin-bottom: 14px;
    color: #0f172a;
    font-size: 30px;
    line-height: 1.2;
}

.apply-side-card__body p {
    color: #475569;
    line-height: 1.8;
}

.apply-side-list {
    margin: 20px 0 0;
    padding-left: 20px;
    color: #475569;
    line-height: 1.9;
}

.apply-form-card {
    padding: 30px;
}

.apply-form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 18px 20px;
}

.apply-form-grid .form-full {
    grid-column: 1 / -1;
}

.apply-form-grid label {
    display: block;
    margin-bottom: 8px;
    color: #0f172a;
    font-size: 14px;
    font-weight: 700;
}

.apply-form-grid input,
.apply-form-grid textarea,
.apply-form-grid select {
    width: 100%;
    min-height: 52px;
    padding: 0 16px;
    border: 1px solid #dbe4f0;
    border-radius: 14px;
    background: #f8fafc;
    color: #0f172a;
    font-size: 15px;
    transition: border-color 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
}

.apply-form-grid textarea {
    padding-top: 14px;
    padding-bottom: 14px;
    min-height: 120px;
    resize: vertical;
}

.apply-form-grid input:focus,
.apply-form-grid textarea:focus,
.apply-form-grid select:focus {
    outline: none;
    border-color: #60a5fa;
    background: #ffffff;
    box-shadow: 0 0 0 4px rgba(96, 165, 250, 0.12);
}

.radio-group {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
}

.radio-pill {
    position: relative;
    display: inline-flex;
    align-items: center;
    cursor: pointer;
}

.radio-pill input {
    position: absolute;
    opacity: 0;
    pointer-events: none;
}

.radio-pill span {
    display: inline-flex;
    align-items: center;
    min-height: 46px;
    padding: 0 18px;
    border-radius: 999px;
    background: #eff6ff;
    color: #1d4ed8;
    font-size: 14px;
    font-weight: 700;
    border: 1px solid transparent;
    transition: 0.25s ease;
}

.radio-pill input:checked + span {
    background: linear-gradient(135deg, #1d4ed8, #38bdf8);
    color: #ffffff;
    box-shadow: 0 12px 24px rgba(37, 99, 235, 0.18);
}

.apply-submit-btn {
    border: 0;
    cursor: pointer;
}

/* =========================
   FORM ALERTS
========================= */
.form-alert {
    margin-bottom: 20px;
    padding: 16px 18px;
    border-radius: 16px;
    font-size: 14px;
    line-height: 1.7;
}

.form-alert--success {
    background: #ecfdf3;
    color: #166534;
    border: 1px solid #bbf7d0;
}

.form-alert--error {
    background: #fef2f2;
    color: #991b1b;
    border: 1px solid #fecaca;
}

.form-error-list {
    margin: 10px 0 0;
    padding-left: 18px;
}

/* =========================
   FOOTER
========================= */
.site-footer {
    background: #0f172a;
    color: #cbd5e1;
}

.footer__inner {
    display: grid;
    grid-template-columns: 1.3fr 1fr 1fr;
    gap: 40px;
    padding: 70px 0 40px;
}

.footer__col h3,
.footer__col h4 {
    margin-top: 0;
    margin-bottom: 14px;
    color: #ffffff;
}

.footer__col p,
.footer__col li,
.footer__col a {
    color: #cbd5e1;
    font-size: 15px;
}

.footer__col ul {
    margin: 0;
    padding: 0;
    list-style: none;
}

.footer__col li + li {
    margin-top: 10px;
}

.footer__col a {
    transition: color 0.25s ease;
}

.footer__col a:hover {
    color: #ffffff;
}

.footer__bottom {
    padding: 18px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer__bottom p {
    margin: 0;
    font-size: 14px;
    color: #94a3b8;
}

.section-kicker--light {
    color: rgba(255, 255, 255, 0.86);
}

.premise-section {
    position: relative;
    overflow: hidden;
    background: linear-gradient(135deg, rgba(15, 23, 42, 0.92), rgba(30, 41, 59, 0.88)),
        url('https://images.unsplash.com/photo-1497366754035-f200968a6e72?auto=format&fit=crop&w=1600&q=80')
            center center / cover no-repeat;
}

.premise-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at top left, rgba(56, 189, 248, 0.14), transparent 24%),
        radial-gradient(circle at bottom right, rgba(37, 99, 235, 0.12), transparent 26%);
    pointer-events: none;
}

.premise-section .container {
    position: relative;
    z-index: 1;
}

.premise-section__header {
    max-width: 820px;
    margin-left: auto;
    margin-right: auto;
}

.section-header--light h2,
.section-header--light p {
    color: #ffffff;
}

.section-header--light p {
    color: rgba(255, 255, 255, 0.82);
}

.premise-grid {
    display: grid;
    grid-template-columns: 1.35fr 1fr 1fr;
    gap: 24px;
    grid-auto-rows: 240px;
}

.premise-card {
    position: relative;
    overflow: hidden;
    border-radius: 24px;
    box-shadow: 0 20px 50px rgba(15, 23, 42, 0.12);
    transition: transform 0.35s ease, box-shadow 0.35s ease;
}

.premise-card--large {
    grid-row: span 2;
}

.premise-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 30px 56px rgba(0, 0, 0, 0.28);
}

.premise-card img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.6s ease;
}

.premise-card:hover img {
    transform: scale(1.04);
}

.premise-card::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(15, 23, 42, 0.04), rgba(15, 23, 42, 0.58));
    pointer-events: none;
}

.premise-card__overlay {
    position: absolute;
    left: 18px;
    right: 18px;
    bottom: 18px;
    z-index: 2;
}

.premise-card__overlay span {
    display: inline-flex;
    align-items: center;
    min-height: 38px;
    padding: 0 14px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.14);
    backdrop-filter: blur(8px);
    color: #ffffff;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.2px;
}

.license-section {
    background: linear-gradient(180deg, #f8fafc 0%, #eef4ff 100%);
}

.license-shell {
    border-radius: 30px;
    overflow: hidden;
    box-shadow: 0 28px 70px rgba(15, 23, 42, 0.1);
    border: 1px solid rgba(148, 163, 184, 0.12);
    background: #ffffff;
}

.license-section__inner {
    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    align-items: stretch;
}

.license-section__content {
    padding: 56px 48px;
    background: linear-gradient(135deg, rgba(15, 23, 42, 0.97), rgba(30, 41, 59, 0.94)),
        radial-gradient(circle at top right, rgba(56, 189, 248, 0.14), transparent 24%);
    color: #ffffff;
}

.license-section__content .section-kicker {
    color: rgba(255, 255, 255, 0.8);
}

.license-section__content h2 {
    margin: 0 0 16px;
    font-size: 40px;
    line-height: 1.15;
    color: #ffffff;
}

.license-section__intro {
    margin: 0 0 28px;
    max-width: 680px;
    color: rgba(255, 255, 255, 0.84);
    font-size: 17px;
    line-height: 1.8;
}

.license-rate-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 18px;
    margin-bottom: 26px;
}

.license-rate-card {
    padding: 20px 20px 18px;
    border-radius: 20px;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(8px);
}

.license-rate-card__label {
    display: block;
    margin-bottom: 8px;
    color: rgba(255, 255, 255, 0.72);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
}

.license-rate-card strong {
    display: block;
    color: #ffffff;
    font-size: 24px;
    line-height: 1.3;
    font-weight: 800;
}

.license-meta-grid {
    display: grid;
    gap: 16px;
}

.license-meta-card {
    padding: 18px 20px;
    border-radius: 18px;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.08);
}

.license-meta-card__label {
    display: inline-block;
    margin-bottom: 8px;
    color: rgba(255, 255, 255, 0.72);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
}

.license-meta-card p {
    margin: 0;
    color: #ffffff;
    font-size: 16px;
    line-height: 1.8;
    word-break: break-word;
}

.license-section__image {
    position: relative;
    min-height: 100%;
}

.license-section__image::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(15, 23, 42, 0.02), rgba(15, 23, 42, 0.12));
    pointer-events: none;
}

.license-section__image img {
    width: 100%;
    height: 100%;
    min-height: 560px;
    object-fit: cover;
    object-position: left center;
}

.adv-card,
.loan-card__body,
.feature-strip-card,
.license-meta-card,
.apply-side-card__body,
.contact-panel__left {
    word-wrap: break-word;
}

/* =========================
   BACK TO TOP
========================= */
.back-to-top {
    position: fixed;
    right: 24px;
    bottom: 24px;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    border: none;
    background: linear-gradient(135deg, #1d4ed8, #38bdf8);
    color: #fff;
    font-size: 18px;
    font-weight: 700;
    cursor: pointer;
    box-shadow: 0 14px 30px rgba(37, 99, 235, 0.25);

    display: flex;
    align-items: center;
    justify-content: center;

    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: all 0.3s ease;

    z-index: 999;
}

.back-to-top:hover {
    transform: translateY(-2px);
    box-shadow: 0 18px 36px rgba(37, 99, 235, 0.35);
}

.back-to-top.show {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.hero-main__image-card img {
    filter: contrast(1.08) brightness(0.96);
}

/* =========================
   ABOUT BADGE OVERLAY
========================= */
.about__image--badge {
    position: relative;
}

.about-badge {
    position: absolute;
    left: 18px;
    bottom: 18px;

    display: inline-flex;
    align-items: center;
    gap: 8px;

    padding: 10px 14px;
    border-radius: 999px;

    background: rgba(15, 23, 42, 0.78);
    backdrop-filter: blur(8px);

    color: #ffffff;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 0.3px;

    box-shadow: 0 12px 30px rgba(0, 0, 0, 0.25);
}

.about-badge__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;

    width: 20px;
    height: 20px;
    border-radius: 50%;

    background: #22c55e;
    color: #fff;
    font-size: 12px;
    font-weight: 900;
}

/* =========================
   NAV DROPDOWN
========================= */
.nav-dropdown {
    position: relative;
}

.nav-dropdown__toggle {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    cursor: pointer;
}

.nav-dropdown__menu {
    position: absolute;
    top: calc(100% + 10px);
    left: 0;

    min-width: 200px;
    padding: 10px 0;

    border-radius: 14px;
    background: #ffffff;
    box-shadow: 0 18px 40px rgba(15, 23, 42, 0.12);

    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: 0.25s ease;

    z-index: 100;
}

.nav-dropdown__menu a {
    display: block;
    padding: 10px 16px;
    font-size: 14px;
    color: #334155;
}

.nav-dropdown__menu a:hover {
    background: #f1f5f9;
    color: #2563eb;
}

/* SHOW ON HOVER (desktop) */
.nav-dropdown:hover .nav-dropdown__menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}