:root {
  --logo-pink: #C05078;
  --logo-ink: #211E1B;
  --logo-neutral: #8B5467;
  --navy: #1A1A1A;
  --navy-mid: #2D2D2D;
  --purple: #C05078;
  --purple-dim: rgba(192, 80, 120, 0.10);
  --purple-light: rgba(192, 80, 120, 0.06);
  --bg: #F6F1EC;
  --bg-alt: #EDE7E1;
  --text: #1A1A1A;
  --text-muted: #5A534E;
  --border: #D9D2CC;
  --white: #ffffff;
  --green: #16a34a;
  --red: #dc2626;
  --radius: 12px;
  --radius-lg: 20px;
  --shadow: 0 1px 3px rgba(26,26,26,0.06), 0 4px 16px rgba(26,26,26,0.04);
  --shadow-lg: 0 8px 32px rgba(26,26,26,0.08), 0 2px 8px rgba(26,26,26,0.04);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  background: var(--white);
  color: var(--navy);
  font-family: 'Inter', system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ---- NAV ---- */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  padding: 0 40px;
  height: 68px;
  display: flex;
  align-items: center;
}
.nav__inner {
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav__logo-wrap {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.nav__logo-img {
  height: 36px;
  width: auto;
}
.nav__logo-mark {
  width: 125px;
  height: 24px;
  display: block;
}
.footer__logo-mark {
  width: 125px;
  height: 24px;
  display: block;
}
.nav__logo-text {
  font-family: 'Inter', sans-serif;
  font-weight: 800;
  font-size: 20px;
  letter-spacing: -0.3px;
  color: var(--navy);
}
.nav__links { display: flex; align-items: center; gap: 28px; margin-left: auto; }
.nav__links a {
  font-size: 14px;
  font-weight: 500;
  color: var(--text-muted);
  text-decoration: none;
  transition: color 0.2s;
}
.nav__links a:hover, .nav__links a.active { color: var(--navy); }
.nav__cta-link {
  padding: 8px 18px;
  border-radius: 8px;
  background: var(--navy);
  color: #fff !important;
  font-weight: 600;
  box-shadow: none;
  transition: all 0.2s;
  margin-left: 8px;
}
.nav__cta-link:hover { background: var(--purple); box-shadow: none; transform: translateY(-1px); }
.nav__tagline {
  font-size: 13px;
  color: var(--text-muted);
  font-weight: 500;
}

/* ---- HERO ---- */
.hero {
  position: relative;
  padding: 140px 40px 100px;
  overflow: hidden;
  min-height: 88vh;
  display: flex;
  align-items: center;
}
.hero__bg-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(var(--border) 1px, transparent 1px),
    linear-gradient(90deg, var(--border) 1px, transparent 1px);
  background-size: 48px 48px;
  opacity: 0.4;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 30%, transparent 100%);
  -webkit-mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 30%, transparent 100%);
}
.hero__bg-glow {
  position: absolute;
  top: -120px;
  right: -100px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(192,80,120,0.10) 0%, transparent 70%);
  pointer-events: none;
}
.hero__inner {
  position: relative;
  max-width: 1200px;
  margin: 0 auto;
  width: 100%;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 80px;
  align-items: center;
}
.hero__eyebrow {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--purple);
  margin-bottom: 20px;
}
.hero__headline {
  font-family: 'Inter', sans-serif;
  font-size: clamp(46px, 6vw, 84px);
  font-weight: 800;
  line-height: 1.0;
  letter-spacing: -2px;
  color: var(--navy);
  margin-bottom: 28px;
}
.hero__headline em {
  font-style: italic;
  color: var(--purple);
  background: none;
  -webkit-text-fill-color: var(--purple);
}
.hero__sub {
  font-size: 18px;
  color: var(--text-muted);
  max-width: 520px;
  line-height: 1.65;
  margin-bottom: 40px;
}
.hero__actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 10px;
  font-size: 15px;
  font-weight: 600;
  text-decoration: none;
  transition: all 0.2s ease;
  cursor: pointer;
  border: none;
}
.btn--primary {
  background: var(--navy);
  color: var(--white);
  box-shadow: 0 4px 16px rgba(26, 26, 26, 0.20);
}
.btn--primary:hover { background: var(--purple); box-shadow: 0 6px 24px rgba(192, 80, 120, 0.35); transform: translateY(-1px); }
.btn--ghost {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--border);
}
.btn--ghost:hover { border-color: var(--purple); color: var(--purple); }

/* ---- HERO STATS CARD ---- */
.hero__stats-card {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 36px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  min-width: 340px;
  box-shadow: 0 12px 40px rgba(26, 26, 26, 0.20);
}
.stat { display: flex; flex-direction: column; gap: 4px; }
.stat__value {
  font-family: 'Inter', sans-serif;
  font-size: 28px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.5px;
}
.stat__label {
  font-size: 12px;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  font-weight: 500;
}
.stat:first-child .stat__value {
  color: var(--purple);
}

/* ---- SECTION COMMON ---- */
.section__eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--purple);
  margin-bottom: 16px;
}
.section__headline {
  font-family: 'Inter', sans-serif;
  font-size: clamp(30px, 4vw, 50px);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -1px;
  color: var(--navy);
  margin-bottom: 60px;
}

/* ---- PRODUCTS ---- */
.products { padding: 100px 40px; background: var(--bg); }
.products__inner { max-width: 1200px; margin: 0 auto; }
.products__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.product-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: all 0.25s ease;
  position: relative;
  overflow: hidden;
}
.product-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--purple), #E8799A);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
}
.product-card:hover::before { transform: scaleX(1); }
.product-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.product-card--accent { background: var(--navy); border-color: var(--navy-mid); }
.product-card--accent .product-card__title,
.product-card--accent .product-card__desc { color: var(--white); }
.product-card--accent .product-card__desc { color: rgba(255,255,255,0.75); }
.product-card--accent .product-card__icon { background: rgba(192, 80, 120, 0.2); color: #E8799A; }
.product-card__icon {
  width: 48px;
  height: 48px;
  background: var(--purple-light);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--purple);
  margin-bottom: 20px;
}
.product-card__title {
  font-family: 'Inter', sans-serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
  letter-spacing: -0.3px;
}
.product-card__desc {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 20px;
}
.product-card__meta {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
  font-size: 12px;
  font-weight: 600;
  color: var(--text-muted);
}
.product-card--accent .product-card__meta { border-color: rgba(255,255,255,0.15); color: rgba(255,255,255,0.6); }

/* ---- DIFFERENCE ---- */
.difference { padding: 100px 40px; background: var(--bg-alt); }
.difference__inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
.difference__body {
  font-size: 17px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 20px;
}
.difference__pillars {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-top: 40px;
}
.pillar { display: flex; gap: 20px; align-items: flex-start; }
.pillar__num {
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 700;
  color: var(--purple);
  background: var(--purple-light);
  border-radius: 6px;
  padding: 4px 8px;
  min-width: 36px;
  text-align: center;
  flex-shrink: 0;
  margin-top: 2px;
}
.pillar__title { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.pillar__desc { font-size: 14px; color: var(--text-muted); }

/* ---- COMPARISON VISUAL ---- */
.comparison { display: flex; flex-direction: column; gap: 20px; }
.comparison__item {
  border-radius: var(--radius-lg);
  padding: 28px;
}
.comparison__item--bank {
  background: var(--white);
  border: 1px solid var(--border);
}
.comparison__item--lendx {
  background: var(--navy);
  border: 1px solid var(--navy-mid);
}
.comparison__label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  display: block;
  margin-bottom: 16px;
}
.comparison__item--bank .comparison__label { color: var(--text-muted); }
.comparison__item--lendx .comparison__label { color: rgba(255,255,255,0.6); }
.comparison__list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.comparison__list li {
  font-size: 14px;
  padding-left: 20px;
  position: relative;
  line-height: 1.5;
}
.comparison__list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 8px;
  width: 6px;
  height: 6px;
  border-radius: 50%;
}
.comparison__item--bank .comparison__list li { color: var(--text-muted); }
.comparison__item--bank .comparison__list li::before { background: var(--red); }
.comparison__item--lendx .comparison__list li { color: var(--white); }
.comparison__item--lendx .comparison__list li::before { background: rgba(255,255,255,0.6); }

/* ---- PROCESS ---- */
.process { padding: 100px 40px; background: var(--bg); }
.process__inner { max-width: 1200px; margin: 0 auto; }
.process__steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid var(--border);
}
.step {
  padding: 40px 32px 40px 0;
  border-right: 1px solid var(--border);
  position: relative;
}
.step:last-child { border-right: none; }
.step__number {
  display: block;
  font-family: 'Inter', sans-serif;
  font-size: 48px;
  font-weight: 800;
  color: var(--purple);
  opacity: 0.25;
  line-height: 1;
  margin-bottom: 20px;
  letter-spacing: -2px;
}
.step__title {
  font-family: 'Inter', sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
  letter-spacing: -0.3px;
}
.step__desc { font-size: 14px; color: var(--text-muted); line-height: 1.6; }

/* ---- STATS ---- */
/* ---- CLOSING ---- */
.closing {
  padding: 100px 40px;
  background: var(--bg);
  position: relative;
  overflow: hidden;
}
.closing__bg-text {
  position: absolute;
  bottom: -40px;
  right: -20px;
  font-family: 'Inter', sans-serif;
  font-size: 200px;
  font-weight: 800;
  color: var(--border);
  line-height: 1;
  letter-spacing: -10px;
  pointer-events: none;
  user-select: none;
}
.closing__content {
  position: relative;
  z-index: 1;
}
.closing__inner {
  position: relative;
  max-width: 800px;
  margin: 0 auto;
  text-align: center;
}
.closing__headline {
  font-family: 'Inter', sans-serif;
  font-size: clamp(28px, 4vw, 46px);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -1px;
  color: var(--navy);
  margin-bottom: 28px;
}
.closing__sub {
  font-size: 17px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 16px;
}

/* ---- FOOTER ---- */
.footer { background: var(--navy); color: var(--white); padding: 80px 40px 40px; }
.footer__inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 80px;
  margin-bottom: 60px;
}
.footer__brand { display: flex; flex-direction: column; gap: 0; }
.footer__logo-wrap {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 24px;
}
.footer__logo-img { height: 40px; width: auto; }
.footer__logo-text {
  font-family: 'Inter', sans-serif;
  font-size: 24px;
  font-weight: 800;
  letter-spacing: -0.3px;
  color: var(--white);
}
.footer__address,
.footer__contact {
  font-size: 14px;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
  margin-bottom: 12px;
}
.footer__contact a {
  color: rgba(255,255,255,0.5);
  text-decoration: none;
}
.footer__contact a:hover { color: var(--purple); }
.footer__links { display: flex; gap: 60px; }
.footer__col { display: flex; flex-direction: column; gap: 12px; }
.footer__col h5 {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 4px;
}
.footer__col a {
  font-size: 14px;
  color: rgba(255,255,255,0.6);
  text-decoration: none;
  transition: color 0.2s;
}
.footer__col a:hover { color: var(--purple); }
.footer__bottom {
  max-width: 1200px;
  margin: 0 auto;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.08);
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.footer__bottom p {
  font-size: 12px;
  color: rgba(255,255,255,0.3);
  line-height: 1.6;
}

/* ---- APPLY FORM ---- */
.apply-form-section {
  padding: 100px 40px;
  background: var(--bg-alt);
}
.apply-form-section__inner {
  max-width: 860px;
  margin: 0 auto;
}
.apply-form-section__header {
  text-align: center;
  margin-bottom: 48px;
}
.apply-form-section__eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--purple);
  margin-bottom: 12px;
}
.apply-form-section__title {
  font-family: 'Inter', sans-serif;
  font-size: clamp(28px, 4vw, 40px);
  font-weight: 800;
  letter-spacing: -1px;
  color: var(--navy);
  margin-bottom: 16px;
}
.apply-form-section__sub {
  font-size: 16px;
  color: var(--text-muted);
  line-height: 1.6;
}

.apply-form {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow);
}
.apply-form__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 20px;
}
.apply-form__field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.apply-form__field:last-child { margin-bottom: 0; }
.apply-form__field label {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
}
.apply-form__field input,
.apply-form__field select,
.apply-form__field textarea {
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-size: 14px;
  font-family: inherit;
  color: var(--navy);
  background: var(--bg);
  transition: border-color 0.15s, box-shadow 0.15s;
  width: 100%;
}
.apply-form__field input:focus,
.apply-form__field select:focus,
.apply-form__field textarea:focus {
  outline: none;
  border-color: var(--purple);
  box-shadow: 0 0 0 3px var(--purple-dim);
}
.apply-form__field input.invalid,
.apply-form__field select.invalid {
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(220, 38, 38, 0.1);
}
.apply-form__field textarea { resize: vertical; min-height: 80px; }

.apply-form__footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  margin-top: 8px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}
.apply-form__privacy {
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.5;
  flex: 1;
}
.apply-form__privacy a {
  color: var(--purple);
  text-decoration: none;
}
.apply-form__privacy a:hover { text-decoration: underline; }

.apply-form__submit {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  background: var(--navy);
  color: var(--white);
  border: none;
  border-radius: 10px;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  font-family: inherit;
  transition: all 0.2s;
  box-shadow: 0 4px 12px rgba(26, 26, 26, 0.20);
  white-space: nowrap;
}
.apply-form__submit:hover {
  background: var(--purple);
  box-shadow: 0 6px 20px rgba(192, 80, 120, 0.35);
  transform: translateY(-1px);
}
.apply-form__submit:disabled {
  opacity: 0.7;
  cursor: not-allowed;
  transform: none;
}

.apply-form__success {
  text-align: center;
  padding: 40px 20px;
}
.apply-form__success svg {
  color: var(--green);
  margin: 0 auto 16px;
  display: block;
}
.apply-form__success h3 {
  font-family: 'Inter', sans-serif;
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}
.apply-form__success p {
  font-size: 15px;
  color: var(--text-muted);
}

.apply-form__error {
  margin-top: 16px;
  padding: 12px 16px;
  background: #fef2f2;
  border: 1px solid rgba(220, 38, 38, 0.3);
  border-radius: 8px;
  font-size: 14px;
  color: var(--red);
}

/* ---- RESPONSIVE ---- */
@media (max-width: 1024px) {
  .hero__inner { grid-template-columns: 1fr; gap: 60px; }
  .hero__stats-card { min-width: unset; }
  .products__grid { grid-template-columns: repeat(2, 1fr); }
  .difference__inner { grid-template-columns: 1fr; gap: 60px; }
  .process__steps { grid-template-columns: repeat(2, 1fr); }
  .step { border-right: none; border-bottom: 1px solid var(--border); }
}
@media (max-width: 768px) {
  .nav { padding: 0 20px; }
  .nav__links { display: none; }
  .hero { padding: 120px 20px 60px; }
  .hero__headline { font-size: 42px; letter-spacing: -1px; }
  .products, .difference, .process { padding: 60px 20px; }
  .products__grid { grid-template-columns: 1fr; }
  .process__steps { grid-template-columns: 1fr; }
  .closing { padding: 60px 20px; }
  .apply-form-section { padding: 60px 20px; }
  .apply-form { padding: 24px; }
  .apply-form__row { grid-template-columns: 1fr; }
  .apply-form__footer { flex-direction: column; align-items: flex-start; gap: 12px; }
  .footer { padding: 60px 20px 40px; }
  .footer__inner { grid-template-columns: 1fr; gap: 40px; }
  .footer__links { flex-wrap: wrap; gap: 32px; }
}
@media (max-width: 480px) {
  .hero__stats-card { grid-template-columns: 1fr 1fr; padding: 24px; }
  .stat__value { font-size: 22px; }
}