/* =========================================================================
   SmsKredit — Landing Page
   Rose / crimson fintech aesthetic inspired by modern EU lending platforms
   ========================================================================= */

:root{
  --rose:#e5007e;
  --rose-dark:#c4006b;
  --rose-soft:#fdeaf4;
  --rose-line:#f6d3e6;
  --ink:#1a1a1f;
  --ink-2:#2c2c34;
  --muted:#6b6b78;
  --muted-2:#8f8f9c;
  --line:#e8e6ea;
  --bg:#ffffff;
  --bg-soft:#faf8fa;
  --bg-alt:#f5f2f5;
  --dark:#141418;
  --dark-2:#1e1e24;
  --ok:#1a9e6a;
  --warn:#f0a020;
  --radius:14px;
  --radius-lg:22px;
  --radius-sm:9px;
  --shadow-sm:0 1px 3px rgba(20,20,24,.06), 0 1px 2px rgba(20,20,24,.04);
  --shadow:0 6px 22px rgba(20,20,24,.08);
  --shadow-lg:0 18px 48px rgba(20,20,24,.12);
  --font:'Inter','Segoe UI',system-ui,-apple-system,'Helvetica Neue',Arial,sans-serif;
  --wrap:1200px;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--font);
  color:var(--ink);
  background:var(--bg);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
  overflow-x:hidden;
}
img{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;border:0;background:none;color:inherit}
button:active{transform:translateY(1px)}
ul{list-style:none}
input,select{font-family:inherit}
:focus-visible{outline:2px solid var(--rose);outline-offset:3px;border-radius:4px}

.wrap{width:min(var(--wrap),92%);margin:0 auto}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  border-radius:100px;font-weight:600;font-size:15px;
  padding:13px 26px;transition:all .2s ease;white-space:nowrap;
  border:2px solid transparent;
}
.btn-primary{background:var(--rose);color:#fff}
.btn-primary:hover{background:var(--rose-dark);box-shadow:0 8px 22px rgba(229,0,126,.28)}
.btn-outline{border-color:var(--rose);color:var(--rose);background:#fff}
.btn-outline:hover{background:var(--rose-soft)}
.btn-ghost{border-color:var(--line);color:var(--ink);background:#fff}
.btn-ghost:hover{border-color:var(--muted-2)}
.btn-white{background:#fff;color:var(--rose)}
.btn-white:hover{background:var(--rose-soft)}
.btn-lg{padding:16px 34px;font-size:16px}
.btn-sm{padding:9px 18px;font-size:13.5px}
.btn-block{width:100%}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(255,255,255,.94);
  -webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);
  border-bottom:1px solid var(--line);
}
.header-bar{
  display:flex;align-items:center;gap:28px;
  height:70px;
}
.logo{
  display:flex;align-items:center;gap:9px;
  font-size:21px;font-weight:800;letter-spacing:-.4px;
  flex-shrink:0;
}
.logo-mark{
  width:32px;height:32px;border-radius:9px;
  background:linear-gradient(135deg,var(--rose),#ff4da6);
  display:grid;place-items:center;color:#fff;
  font-size:16px;font-weight:800;
}
.logo span{color:var(--rose)}

.main-nav{display:flex;gap:2px;flex:1}
.main-nav a{
  padding:9px 14px;border-radius:100px;
  font-size:14px;font-weight:500;color:var(--ink-2);
  transition:all .18s;
}
.main-nav a:hover{background:var(--bg-alt);color:var(--rose)}

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

/* Language switcher */
.lang-switch{position:relative}
.lang-btn{
  display:flex;align-items:center;gap:7px;
  padding:8px 13px;border:1.5px solid var(--line);border-radius:100px;
  font-size:13.5px;font-weight:600;background:#fff;
  transition:all .18s;
}
.lang-btn:hover{border-color:var(--rose);color:var(--rose)}
.lang-btn .globe{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:2}
.lang-btn .caret{width:11px;height:11px;stroke:currentColor;fill:none;stroke-width:2.4;transition:transform .2s}
.lang-switch.open .lang-btn .caret{transform:rotate(180deg)}
.lang-menu{
  position:absolute;top:calc(100% + 9px);right:0;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow-lg);
  min-width:190px;padding:7px;
  opacity:0;visibility:hidden;transform:translateY(-6px);
  transition:all .2s;z-index:200;
}
.lang-switch.open .lang-menu{opacity:1;visibility:visible;transform:none}
.lang-menu button{
  display:flex;align-items:center;gap:11px;width:100%;
  padding:9px 12px;border-radius:var(--radius-sm);
  font-size:14px;text-align:left;transition:background .15s;
}
.lang-menu button:hover{background:var(--bg-alt)}
.lang-menu button.active{background:var(--rose-soft);color:var(--rose);font-weight:600}
.lang-flag{font-size:16px;line-height:1;width:22px;text-align:center}
.lang-menu .check{margin-left:auto;color:var(--rose);font-weight:700;opacity:0;font-size:14px}
.lang-menu button.active .check{opacity:1}

.mobile-toggle{display:none;width:40px;height:40px;border-radius:9px;border:1.5px solid var(--line);place-items:center}
.mobile-toggle svg{width:20px;height:20px;stroke:var(--ink);fill:none;stroke-width:2}

/* ---------- Hero ---------- */
.hero{
  background:linear-gradient(170deg,#fff 0%,var(--rose-soft) 55%,#fce3f1 100%);
  padding:64px 0 72px;position:relative;overflow:hidden;
}
.hero::before{
  content:"";position:absolute;top:-160px;right:-120px;
  width:520px;height:520px;border-radius:50%;
  background:radial-gradient(circle,rgba(229,0,126,.13),transparent 68%);
  pointer-events:none;
}
.hero-grid{
  display:grid;grid-template-columns:1.05fr .95fr;
  gap:56px;align-items:center;position:relative;z-index:1;
}
.hero-eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  background:#fff;border:1px solid var(--rose-line);
  color:var(--rose);font-size:13px;font-weight:600;
  padding:7px 15px;border-radius:100px;margin-bottom:22px;
}
.hero-eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--rose);animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.35}}
.hero h1{
  font-size:46px;font-weight:800;line-height:1.13;
  letter-spacing:-1.4px;margin-bottom:18px;
}
.hero h1 em{font-style:normal;color:var(--rose)}
.hero-sub{
  font-size:17px;color:var(--muted);margin-bottom:30px;
  max-width:490px;line-height:1.62;
}
.hero-trust{display:flex;gap:26px;flex-wrap:wrap;margin-top:30px}
.hero-trust div{display:flex;align-items:center;gap:8px;font-size:13.5px;color:var(--ink-2);font-weight:500}
.hero-trust svg{width:17px;height:17px;stroke:var(--ok);fill:none;stroke-width:2.6}

/* Calculator card */
.calc-card{
  background:#fff;border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);padding:30px;
  border:1px solid var(--line);
}
.calc-head{
  display:flex;justify-content:space-between;align-items:baseline;
  margin-bottom:6px;
}
.calc-head h3{font-size:17px;font-weight:700}
.calc-badge{
  font-size:11px;font-weight:700;color:#fff;background:var(--rose);
  padding:4px 10px;border-radius:100px;letter-spacing:.3px;
}
.calc-amount{
  font-size:40px;font-weight:800;color:var(--rose);
  letter-spacing:-1.5px;line-height:1.1;margin:14px 0 4px;
}
.calc-amount small{font-size:16px;font-weight:600;color:var(--muted);letter-spacing:0}

.slider-wrap{margin:24px 0 8px}
input[type=range]{
  -webkit-appearance:none;appearance:none;
  width:100%;height:6px;border-radius:100px;
  background:linear-gradient(90deg,var(--rose) 0%,var(--rose) var(--pct,20%),#ece9ee var(--pct,20%),#ece9ee 100%);
  outline:none;cursor:pointer;
}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;
  width:24px;height:24px;border-radius:50%;
  background:#fff;border:3.5px solid var(--rose);
  box-shadow:0 2px 9px rgba(229,0,126,.4);cursor:grab;
}
input[type=range]::-moz-range-thumb{
  width:24px;height:24px;border-radius:50%;
  background:#fff;border:3.5px solid var(--rose);
  box-shadow:0 2px 9px rgba(229,0,126,.4);cursor:grab;
}
.slider-labels{
  display:flex;justify-content:space-between;
  font-size:12.5px;color:var(--muted-2);margin-top:9px;font-weight:500;
}
.calc-row{
  display:flex;justify-content:space-between;align-items:center;
  padding:13px 0;border-top:1px solid var(--line);
}
.calc-row:first-of-type{margin-top:14px}
.calc-row span{font-size:14px;color:var(--muted)}
.calc-row strong{font-size:16px;font-weight:700}
.calc-note{
  font-size:11.5px;color:var(--muted-2);margin:14px 0 18px;line-height:1.5;
}

/* ---------- Section base ---------- */
.section{padding:78px 0}
.section-alt{background:var(--bg-soft)}
.section-dark{background:var(--dark);color:#fff}
.section-head{text-align:center;max-width:660px;margin:0 auto 48px}
.section-tag{
  display:inline-block;color:var(--rose);font-size:13px;
  font-weight:700;letter-spacing:1.2px;text-transform:uppercase;
  margin-bottom:12px;
}
.section-head h2{
  font-size:34px;font-weight:800;letter-spacing:-1px;
  line-height:1.2;margin-bottom:14px;
}
.section-head p{font-size:16px;color:var(--muted)}
.section-dark .section-head h2{color:#fff}
.section-dark .section-head p{color:#a8a8b4}

/* ---------- About strip ---------- */
.about-strip{
  display:grid;grid-template-columns:1.3fr 1fr;
  gap:44px;align-items:center;
}
.about-strip h2{
  font-size:31px;font-weight:800;letter-spacing:-.9px;
  line-height:1.22;margin-bottom:16px;
}
.about-strip p{font-size:15.5px;color:var(--muted);line-height:1.72}
.about-stats{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.stat-box{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:20px;box-shadow:var(--shadow-sm);
}
.stat-box strong{
  display:block;font-size:26px;font-weight:800;
  color:var(--rose);letter-spacing:-.7px;line-height:1.1;
}
.stat-box span{font-size:12.5px;color:var(--muted);font-weight:500}

/* ---------- Product cards ---------- */
.products-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:22px;
}
.product-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:26px;transition:all .25s;
  display:flex;flex-direction:column;
}
.product-card:hover{
  border-color:var(--rose-line);
  box-shadow:var(--shadow);
  transform:translateY(-3px);
}
.product-icon{
  width:52px;height:52px;border-radius:14px;
  background:var(--rose-soft);display:grid;place-items:center;
  margin-bottom:18px;
}
.product-icon svg{width:25px;height:25px;stroke:var(--rose);fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.product-tag{
  font-size:11px;font-weight:700;color:var(--rose);
  letter-spacing:.9px;text-transform:uppercase;margin-bottom:8px;
}
.product-card h3{
  font-size:19px;font-weight:700;letter-spacing:-.4px;
  line-height:1.3;margin-bottom:11px;
}
.product-card p{
  font-size:14px;color:var(--muted);line-height:1.68;
  margin-bottom:18px;flex:1;
}
.product-link{
  display:inline-flex;align-items:center;gap:7px;
  color:var(--rose);font-size:14px;font-weight:600;
  transition:gap .2s;
}
.product-link:hover{gap:11px}
.product-link svg{width:15px;height:15px;stroke:currentColor;fill:none;stroke-width:2.4}

/* ---------- Cards (credit card detail) ---------- */
.cards-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.cc-card{
  border-radius:var(--radius-lg);padding:30px;
  position:relative;overflow:hidden;
  display:flex;flex-direction:column;
}
.cc-black{background:linear-gradient(150deg,#1c1c22,#0c0c10);color:#fff}
.cc-white{background:#fff;border:2px solid var(--rose);color:var(--ink)}
.cc-card::after{
  content:"";position:absolute;top:-70px;right:-70px;
  width:210px;height:210px;border-radius:50%;
  pointer-events:none;
}
.cc-black::after{background:radial-gradient(circle,rgba(229,0,126,.3),transparent 70%)}
.cc-white::after{background:radial-gradient(circle,rgba(229,0,126,.09),transparent 70%)}
.cc-top{
  display:flex;justify-content:space-between;align-items:flex-start;
  margin-bottom:24px;position:relative;z-index:1;
}
.cc-name{font-size:19px;font-weight:800;letter-spacing:-.4px}
.cc-visual{
  width:64px;height:42px;border-radius:7px;
  position:relative;flex-shrink:0;
}
.cc-black .cc-visual{background:linear-gradient(135deg,#3a3a44,#1a1a20)}
.cc-white .cc-visual{background:linear-gradient(135deg,#fff,#f0eef2);border:1.5px solid var(--line)}
.cc-visual::before{
  content:"";position:absolute;left:8px;top:9px;
  width:11px;height:9px;border-radius:2px;
  background:linear-gradient(135deg,#e8c96a,#c9a54a);
}
.cc-visual::after{
  content:"";position:absolute;left:8px;bottom:9px;right:8px;
  height:3px;border-radius:2px;opacity:.5;
}
.cc-black .cc-visual::after{background:#666}
.cc-white .cc-visual::after{background:#bbb}
.cc-highlight{
  font-size:24px;font-weight:800;letter-spacing:-.7px;
  line-height:1.2;margin-bottom:6px;position:relative;z-index:1;
}
.cc-black .cc-highlight{color:#ff8ec8}
.cc-white .cc-highlight{color:var(--rose)}
.cc-list{
  margin:22px 0 24px;position:relative;z-index:1;flex:1;
}
.cc-list li{
  display:flex;align-items:center;gap:10px;
  padding:9px 0;font-size:14px;
  border-bottom:1px solid;
}
.cc-black .cc-list li{border-color:rgba(255,255,255,.11);color:#d8d8e0}
.cc-white .cc-list li{border-color:var(--line);color:var(--ink-2)}
.cc-list svg{width:16px;height:16px;flex-shrink:0;stroke-width:2.4;fill:none}
.cc-black .cc-list svg{stroke:#ff8ec8}
.cc-white .cc-list svg{stroke:var(--rose)}
.cc-card .btn{position:relative;z-index:1}

/* ---------- Steps ---------- */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;position:relative}
.step-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:30px 26px;position:relative;
}
.step-num{
  width:46px;height:46px;border-radius:50%;
  background:var(--rose);color:#fff;
  display:grid;place-items:center;
  font-size:17px;font-weight:800;
  margin-bottom:18px;
}
.step-card h3{font-size:18px;font-weight:700;margin-bottom:10px;letter-spacing:-.3px}
.step-card p{font-size:14px;color:var(--muted);line-height:1.66}

/* ---------- Advantages ---------- */
.adv-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.adv-card{
  display:flex;gap:16px;padding:24px;
  background:var(--dark-2);border-radius:var(--radius);
  border:1px solid rgba(255,255,255,.07);
}
.adv-icon{
  width:44px;height:44px;border-radius:11px;flex-shrink:0;
  background:rgba(229,0,126,.16);display:grid;place-items:center;
}
.adv-icon svg{width:21px;height:21px;stroke:#ff8ec8;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.adv-card h3{font-size:16px;font-weight:700;margin-bottom:7px;color:#fff;letter-spacing:-.2px}
.adv-card p{font-size:13.5px;color:#a8a8b4;line-height:1.62}

/* ---------- Testimonials ---------- */
.testi-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.testi-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:28px;position:relative;
}
.testi-quote{
  position:absolute;top:20px;right:24px;
  font-size:56px;line-height:1;color:var(--rose-soft);
  font-weight:800;font-family:Georgia,serif;
}
.testi-text{
  font-size:14.5px;color:var(--ink-2);line-height:1.72;
  margin-bottom:18px;position:relative;z-index:1;
}
.testi-author{display:flex;align-items:center;gap:12px}
.testi-avatar{
  width:42px;height:42px;border-radius:50%;
  background:linear-gradient(135deg,var(--rose),#ff4da6);
  display:grid;place-items:center;color:#fff;
  font-weight:700;font-size:15px;flex-shrink:0;
}
.testi-name{font-size:14px;font-weight:700}
.testi-stars{display:flex;gap:2px;margin-top:2px}
.testi-stars svg{width:13px;height:13px;fill:var(--warn);stroke:none}

/* ---------- FAQ ---------- */
.faq-list{max-width:780px;margin:0 auto}
.faq-item{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  margin-bottom:12px;overflow:hidden;transition:all .2s;
}
.faq-item[open]{border-color:var(--rose-line);box-shadow:var(--shadow-sm)}
.faq-item summary{
  cursor:pointer;list-style:none;
  padding:19px 22px;font-size:15.5px;font-weight:600;
  display:flex;justify-content:space-between;align-items:center;gap:16px;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{
  content:"";flex-shrink:0;
  width:20px;height:20px;
  background:var(--rose-soft);border-radius:50%;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23e5007e' stroke-width='2.6' stroke-linecap='round'%3E%3Cpath d='M12 5v14M5 12h14'/%3E%3C/svg%3E");
  background-size:13px;background-position:center;background-repeat:no-repeat;
  transition:transform .25s;
}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item p{
  padding:0 22px 20px;font-size:14px;color:var(--muted);line-height:1.72;
}

/* ---------- News ---------- */
.news-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.news-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:24px;transition:all .22s;
}
.news-card:hover{border-color:var(--rose-line);box-shadow:var(--shadow);transform:translateY(-3px)}
.news-date{
  display:inline-flex;align-items:center;gap:7px;
  font-size:12px;font-weight:600;color:var(--rose);
  background:var(--rose-soft);padding:5px 11px;border-radius:100px;
  margin-bottom:14px;
}
.news-card h3{font-size:16px;font-weight:700;line-height:1.4;letter-spacing:-.2px}
.news-more{text-align:center;margin-top:32px}

/* ---------- CTA band ---------- */
.cta-band{
  background:linear-gradient(135deg,var(--rose),#b0005f);
  border-radius:var(--radius-lg);padding:52px 44px;
  display:flex;justify-content:space-between;align-items:center;gap:36px;
  position:relative;overflow:hidden;
}
.cta-band::before{
  content:"";position:absolute;top:-90px;right:-60px;
  width:300px;height:300px;border-radius:50%;
  background:rgba(255,255,255,.09);
}
.cta-band h2{
  font-size:29px;font-weight:800;color:#fff;
  letter-spacing:-.8px;line-height:1.22;margin-bottom:9px;
}
.cta-band p{font-size:15px;color:rgba(255,255,255,.86);max-width:520px}
.cta-band .btn{position:relative;z-index:1;flex-shrink:0}

/* ---------- Footer ---------- */
.site-footer{background:var(--dark);color:#a8a8b4;padding:60px 0 0}
.footer-grid{
  display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;
  gap:40px;padding-bottom:44px;
}
.footer-brand .logo{color:#fff;margin-bottom:16px}
.footer-brand .logo span{color:#ff8ec8}
.footer-brand p{font-size:13.5px;line-height:1.72;margin-bottom:20px;max-width:320px}
.footer-contact{display:grid;gap:9px}
.footer-contact div{display:flex;align-items:center;gap:9px;font-size:13.5px}
.footer-contact svg{width:15px;height:15px;stroke:#ff8ec8;fill:none;stroke-width:2;flex-shrink:0}
.footer-col h4{
  color:#fff;font-size:14px;font-weight:700;margin-bottom:18px;
  letter-spacing:.2px;
}
.footer-col ul{display:grid;gap:11px}
.footer-col a{font-size:13.5px;transition:color .18s}
.footer-col a:hover{color:#ff8ec8}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.1);
  padding:24px 0;
}
.footer-legal{
  font-size:11.5px;color:#7a7a86;line-height:1.65;
  margin-bottom:18px;max-width:900px;
}
.footer-copy{
  display:flex;justify-content:space-between;align-items:center;
  gap:20px;flex-wrap:wrap;font-size:12.5px;
}
.footer-badges{display:flex;gap:10px;flex-wrap:wrap}
.footer-badge{
  border:1px solid rgba(255,255,255,.16);border-radius:7px;
  padding:5px 11px;font-size:11px;color:#c8c8d2;font-weight:600;
}

/* ---------- Reveal animation ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}

/* =========================================================================
   Media & layout extensions (product visuals, steps, promo, app badges)
   ========================================================================= */

/* ---------- Product media (real product visuals) ---------- */
.product-media{
  position:relative;
  margin:-26px -26px 20px;
  padding:26px 22px 14px;
  min-height:172px;
  display:flex;align-items:flex-end;justify-content:center;
  background:linear-gradient(180deg,#fdf4f9 0%,#ffffff 100%);
  border-radius:var(--radius-lg) var(--radius-lg) 0 0;
  overflow:hidden;
}
.product-media img{
  display:block;max-width:100%;max-height:186px;width:auto;height:auto;
  object-fit:contain;
  mix-blend-mode:multiply;
  transition:transform .38s cubic-bezier(.2,.7,.3,1);
}
.product-card:hover .product-media img{transform:translateY(-6px)}
.product-media .product-icon{
  position:absolute;left:20px;bottom:12px;margin:0;
  width:44px;height:44px;border-radius:12px;
  background:#fff;border:1px solid var(--rose-line);
  box-shadow:var(--shadow-sm);
}
.product-media .product-icon svg{width:21px;height:21px}

/* ---------- Steps layout with illustration ---------- */
.steps-layout{
  display:grid;grid-template-columns:.82fr 1.55fr;
  gap:46px;align-items:center;
}
.steps-visual{
  position:relative;display:flex;justify-content:center;align-items:flex-end;
  min-height:300px;
}
.steps-visual::before{
  content:"";position:absolute;left:50%;bottom:-6px;transform:translateX(-50%);
  width:min(340px,88%);aspect-ratio:1/1;
  background:radial-gradient(circle at 50% 62%,var(--rose-soft) 0%,rgba(253,234,244,0) 68%);
  border-radius:50%;z-index:0;
}
.steps-visual img{
  position:relative;z-index:1;
  display:block;max-width:100%;height:auto;max-height:430px;
}
.steps-layout .steps-grid{grid-template-columns:1fr;gap:16px}
.steps-layout .step-card{
  display:flex;gap:20px;align-items:flex-start;padding:24px 26px;
}
.steps-layout .step-num{margin-bottom:0;flex-shrink:0}
.steps-layout .step-card h3{margin-bottom:7px}

/* ---------- Promo banner ---------- */
.promo-band{
  display:grid;grid-template-columns:1.08fr 1fr;gap:40px;align-items:center;
  background:var(--bg-alt);
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  padding:46px;overflow:hidden;position:relative;
}
.promo-band::before{
  content:"";position:absolute;top:-120px;right:-80px;
  width:320px;height:320px;border-radius:50%;
  background:radial-gradient(circle,rgba(229,0,126,.07),rgba(229,0,126,0) 70%);
}
.promo-copy{position:relative;z-index:1}
.promo-copy .section-tag{margin-bottom:10px}
.promo-copy h2{
  font-size:28px;font-weight:800;letter-spacing:-.8px;
  line-height:1.22;margin-bottom:12px;
}
.promo-copy p{
  font-size:15px;color:var(--muted);line-height:1.7;
  margin-bottom:24px;max-width:540px;
}
.promo-visual{position:relative;z-index:1;display:flex;justify-content:center}
.promo-visual img{width:100%;max-width:520px;height:auto;display:block}

/* ---------- Footer app badges ---------- */
.footer-apps{margin-top:22px}
.footer-apps h4{
  font-size:12px;font-weight:700;color:#fff;
  letter-spacing:.9px;text-transform:uppercase;margin-bottom:12px;
}
.app-badges{display:flex;gap:10px;flex-wrap:wrap}
.app-badge{
  display:block;line-height:0;opacity:.92;
  transition:opacity .2s,transform .2s;
}
.app-badge:hover{opacity:1;transform:translateY(-2px)}
.app-badge img{
  height:40px;width:auto;display:block;
  border:1px solid rgba(255,255,255,.24);border-radius:9px;
}

/* ---------- Responsive extensions ---------- */
@media(max-width:1024px){
  .steps-layout{grid-template-columns:1fr;gap:34px}
  .steps-visual{min-height:0;order:-1}
  .steps-visual img{max-height:340px}
  .steps-layout .steps-grid{grid-template-columns:repeat(3,1fr);gap:20px}
  .steps-layout .step-card{flex-direction:column;gap:0;padding:26px 22px}
  .steps-layout .step-num{margin-bottom:18px}
  .promo-band{grid-template-columns:1fr;gap:28px;padding:36px}
  .promo-visual img{max-width:460px}
}
@media(max-width:820px){
  .steps-layout .steps-grid{grid-template-columns:1fr}
  .steps-layout .step-card{flex-direction:row;gap:20px;padding:24px 26px}
  .steps-layout .step-num{margin-bottom:0}
}
@media(max-width:560px){
  .product-media{margin:-22px -22px 18px;padding:22px 18px 12px;min-height:150px}
  .product-media img{max-height:150px}
  .product-media .product-icon{left:16px;bottom:10px;width:40px;height:40px}
  .promo-band{padding:28px 22px}
  .promo-copy h2{font-size:23px}
  .app-badge img{height:36px}
}

/* ---------- Modal (apply / login / success) ---------- */
body.modal-open{overflow:hidden}
.modal-backdrop{
  position:fixed;inset:0;z-index:200;
  background:rgba(20,20,24,.55);
  -webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px);
  display:flex;align-items:center;justify-content:center;
  padding:24px;
  opacity:0;transition:opacity .22s ease;
}
.modal-backdrop.show{opacity:1}
.modal-backdrop[hidden]{display:none}
.modal{
  position:relative;
  width:100%;max-width:480px;max-height:90vh;overflow-y:auto;
  background:#fff;border-radius:var(--radius-lg);
  padding:38px 36px 34px;
  box-shadow:0 30px 80px rgba(20,20,24,.28);
  transform:translateY(14px) scale(.98);
  transition:transform .26s cubic-bezier(.2,.7,.3,1);
}
.modal-backdrop.show .modal{transform:none}
.modal-close{
  position:absolute;top:16px;right:16px;
  width:36px;height:36px;border-radius:50%;
  display:grid;place-items:center;cursor:pointer;
  background:var(--bg-alt);border:0;padding:0;
  transition:background .2s;
}
.modal-close:hover{background:var(--line)}
.modal-close svg{width:17px;height:17px;stroke:var(--ink);fill:none;stroke-width:2.2;stroke-linecap:round}
.modal-pane .section-tag{margin-bottom:9px}
.modal-pane h3{font-size:23px;font-weight:800;letter-spacing:-.5px;margin-bottom:9px}
.modal-pane > p{font-size:14.5px;color:var(--muted);line-height:1.65;margin-bottom:22px}
.modal-form{display:grid;gap:15px}
.field{display:grid;gap:7px}
.field > span{font-size:13px;font-weight:600;color:var(--ink-2)}
.field input{
  font-family:inherit;font-size:15px;color:var(--ink);
  padding:12px 14px;border:1px solid var(--line);border-radius:var(--radius-sm);
  background:#fff;width:100%;
  transition:border-color .18s,box-shadow .18s;
}
.field input:focus{
  outline:none;border-color:var(--rose);
  box-shadow:0 0 0 3px rgba(229,0,126,.12);
}
.check{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--muted);line-height:1.5;cursor:pointer}
.check input{margin-top:2px;width:17px;height:17px;accent-color:var(--rose);flex-shrink:0}
.modal-error{
  font-size:13px;color:var(--rose-dark);background:var(--rose-soft);
  border-radius:var(--radius-sm);padding:10px 13px;line-height:1.5;
}
.modal-note{font-size:12px;color:var(--muted-2);text-align:center;line-height:1.5}
.modal-pane-success{text-align:center;padding:14px 0}
.success-icon{
  width:64px;height:64px;border-radius:50%;margin:0 auto 20px;
  background:var(--rose-soft);display:grid;place-items:center;
}
.success-icon svg{width:30px;height:30px;stroke:var(--rose);fill:none;stroke-width:2.6;stroke-linecap:round;stroke-linejoin:round}
.modal-pane-success h3{margin-bottom:12px}
.modal-pane-success p{font-size:14.5px;color:var(--muted);line-height:1.65;margin-bottom:24px}

/* ---------- Responsive ---------- */
@media(max-width:1024px){
  .hero h1{font-size:38px}
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .calc-card{max-width:520px}
  .products-grid{grid-template-columns:repeat(2,1fr)}
  .about-strip{grid-template-columns:1fr;gap:32px}
  .footer-grid{grid-template-columns:1fr 1fr;gap:32px}
}
@media(max-width:820px){
  .main-nav{display:none}
  .mobile-toggle{display:grid}
  .header-bar{gap:14px}
  .section{padding:58px 0}
  .section-head h2{font-size:27px}
  .about-strip h2{font-size:25px}
  .cards-grid{grid-template-columns:1fr}
  .steps-grid{grid-template-columns:1fr}
  .adv-grid{grid-template-columns:1fr}
  .testi-grid{grid-template-columns:1fr}
  .news-grid{grid-template-columns:1fr}
  .cta-band{flex-direction:column;text-align:center;padding:40px 26px}
  .cta-band h2{font-size:24px}
  .cta-band p{margin:0 auto}
}
@media(max-width:560px){
  .modal-backdrop{padding:14px;align-items:flex-end}
  .modal{padding:32px 22px 28px;max-height:88vh}
  .modal-pane h3{font-size:20px}
  .hero{padding:44px 0 54px}
  .hero h1{font-size:30px;letter-spacing:-.8px}
  .hero-sub{font-size:15px}
  .calc-card{padding:22px}
  .calc-amount{font-size:33px}
  .products-grid{grid-template-columns:1fr}
  .section-head h2{font-size:23px}
  .about-stats{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr;gap:28px}
  .footer-copy{flex-direction:column;text-align:center}
  .hero-trust{gap:14px}
  .lang-btn .lang-text{display:none}
  .lang-btn{padding:8px 11px}
  .btn-sm{padding:8px 14px;font-size:13px}
}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
}