:root {
  --black: #08080a;
  --black-2: #111114;
  --white: #ffffff;
  --paper: #f4f2ee;
  --paper-2: #ebe8e1;
  --muted: #626266;
  --red: #d71920;
  --red-dark: #9e1116;
  --line-dark: rgba(0,0,0,.12);
  --line-light: rgba(255,255,255,.14);
  --shadow: 0 26px 70px rgba(0,0,0,.18);
  --radius-xl: 30px;
  --radius-lg: 22px;
  --radius-md: 16px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--black);
  background: var(--paper);
  font-family: ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  line-height: 1.45;
  text-rendering: geometricPrecision;
}

a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: clamp(14px, 2vw, 26px);
  min-height: 78px;
  padding: 12px clamp(16px, 4vw, 64px);
  background: rgba(8, 8, 10, .94);
  color: var(--white);
  border-bottom: 1px solid var(--line-light);
  backdrop-filter: blur(18px);
}

.brand { display: inline-flex; align-items: center; min-width: 0; }
.brand img { width: 218px; height: auto; }

.nav {
  justify-self: end;
  display: flex;
  align-items: center;
  gap: 24px;
  color: rgba(255,255,255,.72);
  font-size: 14px;
  font-weight: 700;
}
.nav a:hover { color: var(--white); }

.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}
.phone-pill {
  font-weight: 950;
  letter-spacing: .02em;
  white-space: nowrap;
}
.header-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 42px;
  padding: 0 18px;
  color: var(--white);
  background: linear-gradient(135deg, var(--red), var(--red-dark));
  border-radius: 999px;
  font-weight: 950;
  box-shadow: 0 14px 30px rgba(215,25,32,.28);
  white-space: nowrap;
}

.hero {
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(340px, .72fr);
  align-items: center;
  gap: clamp(34px, 5vw, 82px);
  min-height: calc(100svh - 78px);
  padding: clamp(52px, 7vw, 92px) clamp(18px, 5vw, 80px);
  background:
    radial-gradient(circle at 10% 0%, rgba(215,25,32,.15), transparent 30%),
    linear-gradient(130deg, #ffffff 0 60%, #121214 60.2% 100%);
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(135deg, transparent 0 67%, rgba(255,255,255,.11) 67.2% 68.4%, transparent 68.6%),
    radial-gradient(circle at 88% 18%, rgba(215,25,32,.2), transparent 30%);
  pointer-events: none;
}
.corner-ribbon {
  position: absolute;
  z-index: 0;
  pointer-events: none;
  transform: rotate(-35deg);
  opacity: .96;
}
.corner-ribbon-top {
  width: 520px;
  height: 24px;
  right: -150px;
  top: 112px;
  background: var(--red);
  box-shadow: 0 42px 0 var(--black), 0 84px 0 rgba(255,255,255,.78);
}
.corner-ribbon-bottom {
  width: 640px;
  height: 28px;
  left: -210px;
  bottom: -26px;
  background: var(--black);
  box-shadow: 0 48px 0 var(--red), 0 96px 0 rgba(0,0,0,.16);
}

.hero-copy,
.hero-panel,
.white-strip > *,
.section > * { position: relative; z-index: 1; }
.hero-copy { max-width: 820px; }

.eyebrow {
  margin: 0 0 12px;
  color: var(--red);
  text-transform: uppercase;
  letter-spacing: .16em;
  font-size: 12px;
  font-weight: 950;
}
.hero h1 {
  margin: 0;
  max-width: 760px;
  font-size: clamp(32px, 4.8vw, 64px);
  line-height: .89;
  letter-spacing: -.066em;
  text-transform: uppercase;
}
.lead {
  max-width: 660px;
  margin: 24px 0 0;
  color: #39393d;
  font-size: clamp(17px, 1.7vw, 22px);
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 34px;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 13px 24px;
  border: 0;
  border-radius: 999px;
  font: inherit;
  font-weight: 950;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary {
  color: var(--white);
  background: linear-gradient(135deg, var(--red), var(--red-dark));
  box-shadow: 0 18px 34px rgba(215,25,32,.28);
}
.btn-outline {
  color: var(--black);
  background: rgba(255,255,255,.82);
  border: 1px solid var(--line-dark);
}
.btn-dark {
  color: var(--white);
  background: var(--black);
}

.trust-row {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  max-width: 720px;
  margin-top: 42px;
}
.trust-item {
  padding: 17px 18px;
  background: #ffffff;
  border: 1px solid var(--line-dark);
  border-radius: var(--radius-md);
  box-shadow: 0 14px 36px rgba(0,0,0,.07);
}
.trust-item strong {
  display: block;
  color: var(--black);
  font-size: 21px;
  line-height: 1;
  text-transform: uppercase;
}
.trust-item span {
  display: block;
  margin-top: 7px;
  color: var(--muted);
  font-size: 13px;
}

.hero-panel {
  position: relative;
  overflow: hidden;
  min-height: 548px;
  padding: clamp(28px, 4vw, 42px);
  color: var(--white);
  background:
    linear-gradient(145deg, rgba(255,255,255,.08), rgba(255,255,255,.02)),
    var(--black);
  border: 1px solid rgba(255,255,255,.16);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow);
}
.hero-panel::before {
  content: "";
  position: absolute;
  z-index: 0;
  width: 120%;
  height: 34px;
  right: -38%;
  bottom: 72px;
  transform: rotate(-35deg);
  background: rgba(255,255,255,.88);
  box-shadow: 0 48px 0 var(--red), 0 92px 0 rgba(255,255,255,.15);
}
.hero-panel::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 0;
  background: radial-gradient(circle at 82% 15%, rgba(215,25,32,.24), transparent 30%);
}
.panel-logo,
.hero-panel h2,
.hero-panel p,
.hero-panel ul,
.quick-badge { position: relative; z-index: 1; }
.panel-logo { width: 250px; margin-bottom: 58px; }
.quick-badge {
  position: absolute;
  top: 24px;
  right: 24px;
  display: grid;
  place-items: center;
  width: 78px;
  height: 78px;
  border: 3px solid rgba(255,255,255,.88);
  border-radius: 50%;
  text-align: center;
  line-height: .85;
  font-weight: 950;
}
.quick-badge strong { display: block; font-size: 28px; }
.quick-badge span { font-size: 11px; text-transform: uppercase; }
.hero-panel h2 {
  margin: 0 0 8px;
  max-width: 350px;
  font-size: clamp(29px, 3.35vw, 47px);
  line-height: .88;
  letter-spacing: -.055em;
  text-transform: uppercase;
}
.hero-panel p {
  max-width: 360px;
  margin: 0 0 22px;
  color: rgba(255,255,255,.76);
}
.hero-panel ul {
  display: grid;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
  font-size: 17px;
}
.hero-panel li {
  display: flex;
  align-items: center;
  gap: 10px;
}
.hero-panel li::before {
  content: "✓";
  flex: 0 0 24px;
  width: 24px;
  height: 24px;
  display: grid;
  place-items: center;
  color: var(--white);
  background: var(--red);
  border-radius: 50%;
  font-size: 12px;
  font-weight: 950;
}

.section {
  padding: clamp(58px, 7vw, 98px) clamp(18px, 5vw, 80px);
}
.white-strip {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 28px;
  align-items: center;
  background: var(--white);
  border-top: 1px solid var(--line-dark);
  border-bottom: 1px solid var(--line-dark);
}
.white-strip h2 {
  margin: 0;
  max-width: 980px;
  font-size: clamp(19px, 3.1vw, 37px);
  line-height: .98;
  letter-spacing: -.047em;
}
.section-head {
  max-width: 860px;
  margin-bottom: 34px;
}
.section-head h2 {
  margin: 0;
  font-size: clamp(24px, 3.6vw, 45px);
  line-height: .95;
  letter-spacing: -.055em;
}
.section-head-light { color: var(--white); }

.cards-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}
.feature-card {
  position: relative;
  overflow: hidden;
  min-height: 248px;
  padding: 28px;
  background: rgba(255,255,255,.88);
  border: 1px solid var(--line-dark);
  border-radius: var(--radius-lg);
  box-shadow: 0 20px 46px rgba(0,0,0,.07);
}
.feature-card::after {
  content: "";
  position: absolute;
  width: 178px;
  height: 18px;
  right: -48px;
  top: 40px;
  transform: rotate(-35deg);
  background: var(--red);
  box-shadow: 0 28px 0 var(--black);
}
.card-icon {
  position: relative;
  z-index: 1;
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  margin-bottom: 54px;
  color: var(--white);
  background: var(--black);
  border-radius: 15px;
  font-weight: 950;
  font-size: 23px;
}
.feature-card h3 {
  position: relative;
  z-index: 1;
  margin: 0 0 8px;
  font-size: 25px;
  line-height: 1.05;
  letter-spacing: -.026em;
}
.feature-card p {
  position: relative;
  z-index: 1;
  margin: 0;
  color: #535357;
}
.feature-card-dark {
  color: var(--white);
  background: linear-gradient(145deg, #17171a, #070708);
}
.feature-card-dark p { color: rgba(255,255,255,.74); }
.feature-card-dark .card-icon { background: var(--red); }

.process {
  position: relative;
  overflow: hidden;
  background: var(--black);
}
.process::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 15% 10%, rgba(215,25,32,.24), transparent 28%),
    linear-gradient(135deg, transparent 0 56%, rgba(215,25,32,.84) 56.2% 58.4%, transparent 58.6%);
}
.steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}
.step {
  min-height: 235px;
  padding: 28px;
  color: var(--white);
  background: rgba(255,255,255,.075);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius-lg);
}
.step span {
  display: inline-block;
  margin-bottom: 42px;
  color: var(--red);
  font-size: 34px;
  font-weight: 950;
}
.step h3 { margin: 0 0 10px; font-size: 25px; line-height: 1.05; }
.step p { margin: 0; color: rgba(255,255,255,.75); }

.apply-section {
  display: grid;
  grid-template-columns: minmax(0, .88fr) minmax(360px, 620px);
  gap: clamp(30px, 6vw, 90px);
  align-items: start;
  background:
    radial-gradient(circle at 10% 8%, rgba(215,25,32,.08), transparent 28%),
    linear-gradient(135deg, #ffffff 0 48%, #f0eeea 48.2% 100%);
}
.apply-copy {
  position: sticky;
  top: 110px;
}
.apply-copy h2 {
  margin: 0;
  font-size: clamp(29px, 4.7vw, 59px);
  line-height: .9;
  letter-spacing: -.062em;
  text-transform: uppercase;
}
.apply-copy p:not(.eyebrow) {
  max-width: 570px;
  color: #515156;
  font-size: 18px;
}
.mini-contact {
  display: inline-grid;
  gap: 5px;
  margin-top: 22px;
  margin-right: 10px;
  padding: 18px 22px;
  color: var(--white);
  background: var(--black);
  border-radius: var(--radius-md);
}
.mini-contact span { color: rgba(255,255,255,.64); font-size: 13px; }
.mini-contact a { font-size: 23px; font-weight: 950; }
.mini-contact-email a {
  max-width: min(100%, 310px);
  font-size: 16px;
  overflow-wrap: anywhere;
}

.apply-form {
  position: relative;
  overflow: hidden;
  padding: clamp(24px, 4vw, 38px);
  color: var(--white);
  background: var(--black);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow);
}
.apply-form::before {
  content: "";
  position: absolute;
  width: 270px;
  height: 22px;
  right: -94px;
  top: 40px;
  transform: rotate(-35deg);
  background: rgba(255,255,255,.85);
  box-shadow: 0 34px 0 var(--red);
  pointer-events: none;
}
.apply-form > * { position: relative; z-index: 1; }
.form-row { margin-bottom: 17px; }
.form-row label,
.check-row {
  display: block;
  margin-bottom: 8px;
  font-weight: 850;
}
input {
  width: 100%;
  min-height: 54px;
  padding: 0 16px;
  color: var(--white);
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.17);
  border-radius: 15px;
  outline: none;
  font: inherit;
  transition: border .16s ease, background .16s ease, box-shadow .16s ease;
}
input::placeholder { color: rgba(255,255,255,.38); }
input:focus {
  border-color: rgba(215,25,32,.95);
  background: rgba(255,255,255,.12);
  box-shadow: 0 0 0 4px rgba(215,25,32,.15);
}
.field-with-suffix { position: relative; }
.field-with-suffix input { padding-right: 76px; }
.field-with-suffix span {
  position: absolute;
  right: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: rgba(255,255,255,.66);
  font-weight: 950;
}
.two-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.check-row {
  display: grid;
  grid-template-columns: 20px 1fr;
  align-items: start;
  gap: 10px;
  color: rgba(255,255,255,.83);
  font-weight: 620;
  cursor: pointer;
}
.check-row input {
  min-height: auto;
  height: 20px;
  margin: 3px 0 0;
  accent-color: var(--red);
}
.check-row a {
  color: var(--white);
  text-decoration: underline;
  text-decoration-color: var(--red);
  text-underline-offset: 3px;
}
.error {
  display: block;
  min-height: 18px;
  margin-top: 6px;
  color: #ff8084;
  font-size: 13px;
}
.hp-field {
  position: absolute;
  left: -9999px;
  opacity: 0;
}
.form-submit {
  width: 100%;
  min-height: 56px;
  margin-top: 12px;
  font-size: 16px;
}
.form-note {
  margin: 14px 0 0;
  color: rgba(255,255,255,.58);
  font-size: 13px;
}
.form-status {
  display: none;
  margin-top: 16px;
  padding: 14px;
  border-radius: 14px;
  font-weight: 850;
}
.form-status.show {
  display: block;
  background: rgba(52, 199, 89, .16);
  border: 1px solid rgba(52, 199, 89, .34);
}
.form-status.error-status {
  background: rgba(215,25,32,.18);
  border-color: rgba(215,25,32,.42);
}

.contact-section {
  background:
    linear-gradient(135deg, #0c0c0f 0 42%, #17171a 42.2% 100%);
  color: var(--white);
}
.contact-grid {
  display: grid;
  grid-template-columns: minmax(280px, .78fr) minmax(360px, 1.22fr);
  gap: 22px;
  align-items: stretch;
}
.contact-list {
  display: grid;
  gap: 14px;
}
.contact-item {
  display: grid;
  gap: 8px;
  min-height: 118px;
  padding: 22px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: var(--radius-md);
}
.contact-item span {
  color: rgba(255,255,255,.58);
  font-size: 13px;
  font-weight: 850;
  text-transform: uppercase;
}
.contact-item a {
  align-self: end;
  font-size: clamp(17px, 1.7vw, 23px);
  font-weight: 950;
  line-height: 1.15;
  overflow-wrap: anywhere;
}
.map-embed {
  overflow: hidden;
  min-height: 410px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: var(--radius-lg);
}
.map-embed iframe {
  display: block;
  width: 100%;
  height: 100%;
  min-height: 410px;
  border: 0;
}

.terms { background: var(--paper); }
.terms-box {
  display: grid;
  gap: 16px;
  max-width: 990px;
  padding: 28px;
  background: rgba(255,255,255,.82);
  border: 1px solid var(--line-dark);
  border-radius: var(--radius-lg);
}
.terms-box p { margin: 0; color: #4e4e52; }

.footer {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 18px;
  padding: 26px clamp(18px, 5vw, 80px);
  color: var(--white);
  background: var(--black);
}
.footer img { width: 195px; }
.footer p { margin: 3px 0 0; color: rgba(255,255,255,.6); }
.footer a { font-weight: 950; text-decoration: underline; text-decoration-color: var(--red); text-underline-offset: 3px; }

@media (max-width: 1100px) {
  .nav { display: none; }
  .site-header { grid-template-columns: auto 1fr; }
  .header-actions { justify-self: end; }
  .hero { grid-template-columns: 1fr; background: linear-gradient(150deg, #fff 0 62%, #121214 62.2% 100%); }
  .hero-panel { min-height: 460px; }
  .cards-grid, .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .apply-section, .white-strip, .contact-grid { grid-template-columns: 1fr; }
  .apply-copy { position: static; }
}

@media (max-width: 680px) {
  .site-header {
    min-height: 66px;
    grid-template-columns: 1fr auto;
    padding: 10px 14px;
    gap: 10px;
  }
  .brand img { width: 150px; }
  .phone-pill { display: none; }
  .header-cta { min-height: 38px; padding-inline: 13px; font-size: 13px; }
  .hero {
    min-height: auto;
    padding: 38px 16px 26px;
    gap: 28px;
    background: linear-gradient(155deg, #fff 0 68%, #111114 68.2% 100%);
  }
  .corner-ribbon-top { width: 300px; height: 15px; right: -120px; top: 98px; box-shadow: 0 28px 0 var(--black), 0 56px 0 rgba(255,255,255,.72); }
  .corner-ribbon-bottom { width: 360px; height: 18px; left: -190px; bottom: -44px; box-shadow: 0 34px 0 var(--red), 0 68px 0 rgba(0,0,0,.13); }
  .eyebrow { font-size: 11px; letter-spacing: .12em; }
  .hero h1 { font-size: clamp(28px, 8.7vw, 39px); line-height: .96; letter-spacing: -.045em; }
  .lead { font-size: 16px; margin-top: 18px; }
  .hero-actions { margin-top: 26px; gap: 10px; }
  .btn { width: 100%; min-height: 48px; }
  .trust-row { grid-template-columns: 1fr; margin-top: 26px; gap: 10px; }
  .hero-panel { min-height: 390px; padding: 24px; border-radius: 24px; }
  .panel-logo { width: 190px; margin-bottom: 42px; }
  .quick-badge { width: 62px; height: 62px; top: 18px; right: 18px; }
  .quick-badge strong { font-size: 22px; }
  .quick-badge span { font-size: 9px; }
  .hero-panel h2 { font-size: 29px; line-height: .98; }
  .section { padding: 48px 16px; }
  .white-strip h2, .section-head h2 { line-height: 1.02; }
  .cards-grid, .steps, .two-cols, .footer { grid-template-columns: 1fr; }
  .feature-card, .step { min-height: auto; }
  .card-icon, .step span { margin-bottom: 28px; }
  .mini-contact {
    display: grid;
    width: 100%;
    margin-right: 0;
  }
  .mini-contact-email a { max-width: none; }
  .apply-form { border-radius: 24px; }
  .map-embed,
  .map-embed iframe {
    min-height: 330px;
  }
  .footer { text-align: left; }
  .footer img { width: 180px; }
}

@media (max-width: 390px) {
  .brand img { width: 138px; }
  .header-cta { padding-inline: 10px; }
  .hero h1 { font-size: 27px; }
}

@media (max-width: 680px) {
  .corner-ribbon { display: none; }
}