/* CREDITPRO Critical CSS - Fintech #0047AB #22C55E */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'Inter',system-ui,-apple-system,sans-serif;background:#fff;color:#0f172a;line-height:1.6;-webkit-font-smoothing:antialiased}
img,video{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
button{cursor:pointer;font-family:inherit}
ul,ol{list-style:none}
:root{
  --blue:#0047AB;--blue-dark:#003580;--blue-light:#EFF6FF;--blue-mid:#1D4ED8;
  --green:#22C55E;--green-dark:#16A34A;--green-light:#F0FDF4;
  --gray-50:#F8FAFC;--gray-100:#F1F5F9;--gray-200:#E2E8F0;--gray-300:#CBD5E1;
  --gray-400:#94A3B8;--gray-500:#64748B;--gray-700:#334155;--gray-900:#0F172A;
  --radius:12px;--radius-lg:20px;--radius-sm:8px;
  --shadow:0 4px 16px rgba(0,71,171,.10);--shadow-lg:0 20px 48px rgba(0,71,171,.16);
  --t:.22s cubic-bezier(.4,0,.2,1);--max-w:1200px
}
.container{max-width:var(--max-w);margin:0 auto;padding:0 24px}
.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}
.skip-link{position:absolute;top:-100%;left:16px;z-index:9999;background:var(--blue);color:#fff;padding:8px 16px;border-radius:6px;font-weight:600;transition:top .2s}
.skip-link:focus{top:8px}
h1{font-size:clamp(2rem,5vw,3.25rem);font-weight:800;line-height:1.1;letter-spacing:-.03em}
h2{font-size:clamp(1.5rem,3.5vw,2.25rem);font-weight:700;line-height:1.2;letter-spacing:-.02em}
h3{font-size:clamp(1rem,2vw,1.2rem);font-weight:600;line-height:1.3}
p{color:var(--gray-700)}
.highlight{background:linear-gradient(135deg,var(--blue),var(--blue-mid));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
#navbar{position:fixed;top:0;left:0;right:0;z-index:1000;transition:background var(--t),box-shadow var(--t)}
#navbar.scrolled{background:rgba(255,255,255,.96);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);box-shadow:0 1px 0 var(--gray-200)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:72px;max-width:var(--max-w);margin:0 auto;padding:0 24px}
.nav-logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.2rem;color:var(--blue)}
.nav-logo-mark{width:36px;height:36px;background:linear-gradient(135deg,var(--blue),var(--blue-mid));border-radius:9px;display:flex;align-items:center;justify-content:center;color:#fff;font-weight:900;font-size:.9rem;flex-shrink:0}
.nav-links{display:flex;align-items:center;gap:2px}
.nav-links a{padding:8px 14px;border-radius:8px;font-size:.88rem;font-weight:500;color:var(--gray-700);transition:all var(--t)}
.nav-links a:hover,.nav-links a[aria-current=page]{color:var(--blue);background:var(--blue-light)}
.nav-right{display:flex;align-items:center;gap:12px}
.lang-sw{display:flex;align-items:center;gap:3px}
.lang-sw a{padding:4px 8px;border-radius:5px;font-size:.76rem;font-weight:600;color:var(--gray-400);transition:all var(--t)}
.lang-sw a:hover,.lang-sw a.active{color:var(--blue);background:var(--blue-light)}
.ham{display:none;flex-direction:column;gap:5px;background:none;border:none;padding:6px;border-radius:6px}
.ham span{display:block;width:22px;height:2px;background:var(--gray-200);border-radius:2px;transition:all var(--t)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 26px;border-radius:50px;font-weight:600;font-size:.9rem;transition:all var(--t);border:none;outline:none;white-space:nowrap}
.btn:focus-visible{outline:3px solid var(--blue);outline-offset:3px}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 4px 14px rgba(0,71,171,.32)}
.btn-primary:hover{background:var(--blue-dark);transform:translateY(-1px);box-shadow:0 8px 22px rgba(0,71,171,.38)}
.btn-secondary{background:#fff;color:var(--blue);border:2px solid var(--blue)}
.btn-secondary:hover{background:var(--blue-light);transform:translateY(-1px)}
.btn-green{background:var(--green);color:#fff;box-shadow:0 4px 14px rgba(34,197,94,.32)}
.btn-green:hover{background:var(--green-dark);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.35)}
.btn-ghost:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.7)}
.btn-sm{padding:9px 20px;font-size:.83rem}
.btn-lg{padding:16px 36px;font-size:1rem}
.hero{min-height:100vh;display:flex;align-items:center;background:linear-gradient(160deg,#020B18,#0a1628 40%,#0d2045 70%,#081535);padding:100px 0 80px;position:relative}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 80% 60% at 70% 50%,rgba(0,71,171,.2),transparent 70%);pointer-events:none}
.hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:100px;background:linear-gradient(to top,#fff,transparent);pointer-events:none}
.hero-inner{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;position:relative;z-index:1}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(0,71,171,.25);border:1px solid rgba(0,71,171,.5);border-radius:50px;padding:6px 16px;margin-bottom:22px}
.hero-badge-dot{width:7px;height:7px;background:var(--green);border-radius:50%;animation:pulse 2.2s ease-in-out infinite}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(1.35)}}
.hero-badge span{font-size:.75rem;font-weight:600;color:rgba(255,255,255,.85);letter-spacing:.05em;text-transform:uppercase}
.hero h1{color:#fff;margin-bottom:18px}
.hero-sub{color:rgba(255,255,255,.68);font-size:1.05rem;line-height:1.78;margin-bottom:32px;max-width:500px}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:28px}
.hero-trust{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:6px;color:rgba(255,255,255,.58);font-size:.78rem;font-weight:500}
.trust-icon{color:var(--green);flex-shrink:0;font-size:.9rem}
.calc-card{background:#fff;border-radius:24px;padding:32px;box-shadow:0 32px 64px rgba(0,0,0,.35);position:relative;overflow:hidden}
.calc-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--blue),var(--blue-mid),var(--green))}
.calc-title{font-size:1rem;font-weight:700;color:var(--gray-900);margin-bottom:20px;display:flex;align-items:center;gap:8px}
.calc-field{margin-bottom:18px}
.calc-label{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px;font-size:.79rem;font-weight:600;color:var(--gray-700)}
.calc-label .val{font-size:1.15rem;font-weight:800;color:var(--blue)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:3px;background:var(--gray-200);outline:none;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--blue);border:3px solid #fff;box-shadow:0 2px 8px rgba(0,71,171,.38);cursor:pointer;transition:transform var(--t)}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.2)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--blue);border:3px solid #fff;cursor:pointer}
.range-labels{display:flex;justify-content:space-between;font-size:.67rem;color:var(--gray-400);margin-top:3px}
.calc-result{background:linear-gradient(135deg,var(--blue),var(--blue-mid));border-radius:14px;padding:20px;margin:16px 0;text-align:center;position:relative;overflow:hidden}
.calc-result::after{content:'';position:absolute;top:-30px;right:-30px;width:100px;height:100px;background:rgba(255,255,255,.07);border-radius:50%}
.result-label{font-size:.71rem;font-weight:600;color:rgba(255,255,255,.7);text-transform:uppercase;letter-spacing:.07em;margin-bottom:4px}
.result-amount{font-size:2.3rem;font-weight:800;color:#fff;line-height:1;margin-bottom:3px;font-variant-numeric:tabular-nums}
.result-period{font-size:.78rem;color:rgba(255,255,255,.65)}
.result-details{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:10px}
.result-detail{background:rgba(255,255,255,.1);border-radius:9px;padding:9px;text-align:center}
.detail-lbl{font-size:.64rem;color:rgba(255,255,255,.6);margin-bottom:2px}
.detail-val{font-size:.86rem;font-weight:700;color:#fff}
.calc-taeg{font-size:.68rem;color:var(--gray-400);text-align:center;margin-top:10px;line-height:1.5}
.section{padding:96px 0}
.section-alt{background:var(--gray-50)}
.section-hd{max-width:640px;margin-bottom:60px}
.section-hd.centered{margin-left:auto;margin-right:auto;text-align:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.71rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:12px}
.eyebrow::before{content:'';width:20px;height:2px;background:var(--blue);flex-shrink:0}
.section-desc{color:var(--gray-500);font-size:.95rem;margin-top:12px;line-height:1.75}
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.service-card{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:32px 24px;transition:all var(--t)}
.service-card:hover{border-color:var(--blue-light);box-shadow:var(--shadow-lg);transform:translateY(-5px)}
.service-icon{width:52px;height:52px;background:var(--blue-light);border-radius:14px;display:flex;align-items:center;justify-content:center;margin-bottom:18px;transition:all var(--t);color:var(--blue);flex-shrink:0}
.service-card:hover .service-icon{background:var(--blue);color:#fff}
.service-icon svg{width:24px;height:24px}
.service-card p{font-size:.87rem;color:var(--gray-500);line-height:1.7;margin-top:7px}
.service-rate{display:inline-flex;align-items:center;gap:5px;background:var(--green-light);color:var(--green-dark);font-size:.74rem;font-weight:700;padding:3px 11px;border-radius:50px;margin-top:13px}
.service-link{display:inline-flex;align-items:center;gap:5px;color:var(--blue);font-size:.85rem;font-weight:600;margin-top:14px;transition:gap var(--t)}
.service-link:hover{gap:10px}
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;position:relative}
.steps-grid::before{content:'';position:absolute;top:27px;left:calc(16.66% + 10px);right:calc(16.66% + 10px);height:2px;background:linear-gradient(90deg,var(--blue),var(--green));z-index:0}
.step-item{text-align:center;position:relative;z-index:1}
.step-num{width:54px;height:54px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--blue-mid));color:#fff;font-weight:800;font-size:1.05rem;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;box-shadow:0 4px 14px rgba(0,71,171,.32)}
.step-item p{font-size:.85rem;color:var(--gray-500)}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--gray-200);border-radius:var(--radius-lg);overflow:hidden}
.stat-item{background:#fff;padding:36px 24px;text-align:center}
.stat-num{font-size:2.4rem;font-weight:800;color:var(--blue);letter-spacing:-.03em;line-height:1;margin-bottom:6px;font-variant-numeric:tabular-nums}
.stat-label{font-size:.79rem;color:var(--gray-500);font-weight:500}
.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.testimonial-card{background:#fff;border:1px solid var(--gray-200);border-radius:var(--radius-lg);padding:26px;transition:box-shadow var(--t)}
.testimonial-card:hover{box-shadow:var(--shadow)}
.stars{display:flex;gap:3px;color:#F59E0B;font-size:.95rem;margin-bottom:12px}
.test-text{font-size:.87rem;color:var(--gray-700);line-height:1.7;font-style:italic;margin-bottom:16px}
.test-author{display:flex;align-items:center;gap:10px}
.author-av{width:38px;height:38px;border-radius:50%;background:var(--blue-light);color:var(--blue);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.82rem;flex-shrink:0}
.author-name{font-weight:600;font-size:.85rem;color:var(--gray-900)}
.author-loc{font-size:.72rem;color:var(--gray-400)}
.faq-list{max-width:760px;margin:0 auto}
.faq-item{border:1px solid var(--gray-200);border-radius:var(--radius);margin-bottom:8px;overflow:hidden;transition:border-color var(--t)}
.faq-item.open{border-color:var(--blue)}
.faq-btn{width:100%;display:flex;justify-content:space-between;align-items:center;padding:17px 22px;background:none;border:none;text-align:left;font-size:.9rem;font-weight:600;color:var(--gray-900);cursor:pointer;gap:12px;transition:background var(--t)}
.faq-btn:hover{background:var(--gray-50)}
.faq-item.open .faq-btn{color:var(--blue);background:var(--blue-light)}
.faq-icon{width:24px;height:24px;border-radius:50%;background:var(--gray-200);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:all var(--t);font-size:1.1rem;line-height:1;color:var(--gray-600)}
.faq-item.open .faq-icon{background:var(--blue);color:#fff;transform:rotate(45deg)}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .35s cubic-bezier(.4,0,.2,1)}
.faq-item.open .faq-answer{max-height:400px}
.faq-answer p{padding:0 22px 18px;color:var(--gray-500);font-size:.87rem;line-height:1.75}
.form-card{background:#fff;border-radius:var(--radius-lg);padding:44px;box-shadow:var(--shadow-lg)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-group{display:flex;flex-direction:column;gap:5px}
.form-group.full{grid-column:1/-1}
.form-label{font-size:.79rem;font-weight:600;color:var(--gray-700)}
.req{color:#EF4444;margin-left:2px}
.form-input,.form-select,.form-textarea{padding:11px 14px;border:1.5px solid var(--gray-200);border-radius:var(--radius-sm);font-size:.87rem;font-family:inherit;color:var(--gray-900);background:#fff;transition:all var(--t);width:100%}
.form-input:focus,.form-select:focus,.form-textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,71,171,.1)}
.form-input::placeholder{color:var(--gray-300)}
.form-textarea{resize:vertical;min-height:100px}
.form-select{-webkit-appearance:none;appearance:none;cursor:pointer;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%2364748B' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 13px center}
.form-hint{font-size:.71rem;color:var(--gray-400)}
.form-check{display:flex;align-items:flex-start;gap:9px}
.form-check input[type=checkbox]{width:17px;height:17px;border-radius:4px;cursor:pointer;accent-color:var(--blue);flex-shrink:0;margin-top:2px}
.check-lbl{font-size:.79rem;color:var(--gray-700);line-height:1.55}
.check-lbl a{color:var(--blue);font-weight:500}
.form-success{display:none;background:var(--green-light);border:1px solid #86EFAC;border-radius:var(--radius);padding:20px;text-align:center;color:var(--green-dark);font-weight:600;margin-top:20px}
.cta-section{background:linear-gradient(135deg,var(--blue-dark),var(--blue) 50%,var(--blue-mid));padding:96px 0;text-align:center;position:relative;overflow:hidden}
.cta-section::before{content:'';position:absolute;top:-50%;left:-10%;width:60%;height:200%;background:rgba(255,255,255,.025);border-radius:50%;transform:rotate(-20deg);z-index: 1;}
.cta-section h2{color:#fff;margin-bottom:14px}
.cta-section p{color:rgba(255,255,255,.72);font-size:1rem;max-width:540px;margin:0 auto 32px}
.cta-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;z-index: 2;position: relative;}
.legal-notice{background:var(--gray-100);border-top:1px solid var(--gray-200);padding:16px 0}
.legal-notice p{font-size:.69rem;color:var(--gray-500);line-height:1.65;max-width:960px;margin:0 auto;text-align:center}
footer{background:#020B18;padding:68px 0 0;color:rgba(255,255,255,.62)}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:44px;padding-bottom:52px;border-bottom:1px solid rgba(255,255,255,.08)}
.footer-brand p{font-size:.82rem;line-height:1.72;max-width:250px;margin-top:12px}
.footer-col h4{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.36);margin-bottom:16px}
.footer-col li{margin-bottom:9px}
.footer-col a{font-size:.82rem;transition:color var(--t)}
.footer-col a:hover{color:#fff}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding:22px 0;font-size:.75rem}
.footer-links{display:flex;gap:16px;flex-wrap:wrap}
.footer-links a:hover{color:#fff}
.footer-cert{display:flex;gap:7px;margin-top:16px;flex-wrap:wrap}
.cert-badge{display:inline-flex;align-items:center;gap:5px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:5px;padding:4px 9px;font-size:.69rem;color:rgba(255,255,255,.55)}
.mobile-nav{position:fixed;inset:0;z-index:999;background:rgba(2,11,24,.97);backdrop-filter:blur(12px);display:flex;flex-direction:column;padding:88px 24px 32px;transform:translateX(-100%);transition:transform .35s cubic-bezier(.4,0,.2,1);overflow-y:auto}
.mobile-nav.open{transform:translateX(0)}
.mobile-nav a{display:block;padding:13px 0;font-size:1.05rem;font-weight:500;color:rgba(255,255,255,.78);border-bottom:1px solid rgba(255,255,255,.07);transition:color var(--t)}
.mobile-nav a:hover{color:#fff}
.mob-lang{display:flex;gap:7px;margin-top:20px}
.mob-lang a{padding:5px 11px;border-radius:6px;font-size:.79rem;font-weight:600;color:rgba(255,255,255,.5);border:1px solid rgba(255,255,255,.15);transition:all var(--t)}
.mob-lang a.active,.mob-lang a:hover{color:#fff;background:rgba(0,71,171,.4);border-color:var(--blue)}
.reveal{opacity:0;transform:translateY(22px);transition:opacity .6s cubic-bezier(.4,0,.2,1),transform .6s cubic-bezier(.4,0,.2,1)}
.reveal.visible{opacity:1;transform:translateY(0)}
.reveal-d1{transition-delay:.1s}.reveal-d2{transition-delay:.2s}.reveal-d3{transition-delay:.3s}.reveal-d4{transition-delay:.4s}
.toast{position:fixed;bottom:24px;right:24px;z-index:9999;background:var(--gray-900);color:#fff;padding:13px 20px;border-radius:10px;font-size:.85rem;font-weight:500;box-shadow:0 8px 24px rgba(0,0,0,.28);transform:translateY(80px);opacity:0;transition:all .35s cubic-bezier(.4,0,.2,1);max-width:300px;display:flex;align-items:center;gap:9px;border-left:4px solid var(--green)}
@media(max-width:1024px){.hero-inner{gap:36px}.services-grid,.testimonials-grid{grid-template-columns:repeat(2,1fr)}.stats-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr;gap:32px}}
@media(max-width:768px){.hero-inner{grid-template-columns:1fr}.nav-links,.nav-right .btn,.lang-sw{display:none}.ham{display:flex}.services-grid{grid-template-columns:1fr}.steps-grid{grid-template-columns:1fr;gap:22px}.steps-grid::before{display:none}.stats-grid{grid-template-columns:1fr 1fr}.testimonials-grid{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr;gap:26px}.footer-bottom{flex-direction:column;gap:10px;text-align:center}.section{padding:64px 0}.hero{padding:80px 0 60px;min-height:auto}.cta-btns{flex-direction:column;align-items:center}}
@media(max-width:480px){.container{padding:0 16px}.calc-card,.form-card{padding:22px 18px}.hero-btns{flex-direction:column}h1{font-size:1.9rem}}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}}