/* ── Design Tokens ─────────────────────────────────────────── */
:root {
  --red:       #a32a29;
  --brown:     #83290e;
  --black:     #181818;
  --ink:       #070603;
  --white:     #ffffff;
  --bg:        #ffffff;
  --ink60:     rgba(7,6,3,.6);
  --ink05:     rgba(7,6,3,.05);
  --white25:   rgba(255,255,255,.25);
  --white10:   rgba(255,255,255,.10);
  --page-pad:  64px;
  --max-w:     1280px;

  /* Text Sizes */
  --h1: 72px;  --h2: 52px;  --h3: 44px;
  --h4: 36px;  --h5: 28px;
  --lg: 22px;  --md: 18px;  --reg: 16px; --sm: 14px;
}

/* ── Reset ─────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'D-DIN', 'Heebo', sans-serif; color: var(--ink); background: var(--bg); }
img  { display: block; max-width: 100%; }
a    { text-decoration: none; color: inherit; }
ul   { list-style: none; }

/* ── D-DIN via local (falls back to Heebo) ─────────────────── */
@font-face {
  font-family: 'D-DIN';
  font-weight: 400;
  src: local('D-DIN'), local('D DIN');
}
@font-face {
  font-family: 'D-DIN';
  font-weight: 700;
  src: local('D-DIN Bold'), local('D DIN Bold'), local('D-DIN Exp Bold');
}

/* ── Utilities ─────────────────────────────────────────────── */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin-inline: auto;
}
.section-pad {
  padding: 64px var(--page-pad);
}

/* ═══════════════════════════════════════════════════════════
   NAVBAR
═══════════════════════════════════════════════════════════ */
.navbar {
  background: var(--bg);
  padding: 0 var(--page-pad);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 0 rgba(0,0,0,.07);
}
.navbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 0;
  max-width: var(--max-w);
  margin-inline: auto;
}
.navbar__logo img {
  height: 65px;
  width: auto;
  object-fit: contain;
}
.navbar__right {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-links a {
  font-family: 'Heebo', sans-serif;
  font-weight: 400;
  font-size: var(--reg);
  color: var(--ink);
  white-space: nowrap;
  transition: color .2s;
}
.nav-links a:hover { color: var(--red); }
.nav-dropdown {
  display: flex;
  align-items: center;
  gap: 4px;
  cursor: pointer;
}
.nav-dropdown svg { width: 20px; height: 20px; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 8px 20px;
  border-radius: 6px;
  font-size: var(--reg);
  font-weight: 500;
  font-family: 'Heebo', sans-serif;
  white-space: nowrap;
  cursor: pointer;
  transition: opacity .2s, transform .15s;
  border: 1px solid transparent;
}
.btn:hover  { opacity: .88; transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn--red   { background: var(--red); color: var(--white); border-color: var(--red); }
.btn--white { background: var(--white); color: var(--ink); border-color: var(--white); border-radius: 2px; padding: 10px 24px; font-family: 'D-DIN', 'Heebo', sans-serif; }
.btn--red-lg { background: var(--red); color: var(--white); border-radius: 6px; padding: 10px 24px; font-family: 'D-DIN', 'Heebo', sans-serif; font-size: var(--reg); }

/* ═══════════════════════════════════════════════════════════
   HERO
═══════════════════════════════════════════════════════════ */
.hero {
  background: var(--red);
  min-height: 798px;
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: flex-start;
}
.hero__text {
  position: relative;
  z-index: 2;
  padding: 102px var(--page-pad) 80px;
  max-width: 640px;
}
.hero__heading {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-weight: 700;
  font-size: var(--h1);
  line-height: 1.2;
  letter-spacing: -0.72px;
  color: var(--white);
  margin-bottom: 24px;
}
.hero__sub {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--lg);
  line-height: 1.5;
  color: var(--white);
  margin-bottom: 32px;
}
.hero__image {
  position: absolute;
  right: 0;
  top: 0;
  width: 52%;
  height: 100%;
  z-index: 1;
}
.hero__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
}
.hero__ellipse {
  position: absolute;
  bottom: -40px;
  right: -40px;
  width: 780px;
  height: 780px;
  border-radius: 50%;
  background: rgba(0,0,0,.12);
  z-index: 0;
}

/* ═══════════════════════════════════════════════════════════
   WHAT WE OFFER
═══════════════════════════════════════════════════════════ */
.offers { background: var(--bg); }
.section-title {
  text-align: center;
  max-width: 768px;
  margin-inline: auto;
  margin-bottom: 80px;
}
.section-title__heading {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-weight: 700;
  font-size: var(--h2);
  line-height: 1.2;
  letter-spacing: -0.52px;
  color: var(--red);
  margin-bottom: 24px;
}
.section-title__sub {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--reg);
  line-height: 1.5;
  color: var(--ink);
}
.offers__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.offer-card__img {
  width: 100%;
  aspect-ratio: 296/160;
  object-fit: cover;
  border-radius: 2px;
  margin-bottom: 24px;
}
.offer-card__title {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-weight: 700;
  font-size: var(--h5);
  line-height: 1.4;
  letter-spacing: -0.28px;
  text-align: center;
  color: var(--ink);
  margin-bottom: 16px;
}
.offer-card__desc {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--reg);
  line-height: 1.5;
  text-align: center;
  color: var(--ink);
}

/* ═══════════════════════════════════════════════════════════
   STATS
═══════════════════════════════════════════════════════════ */
.stats { background: var(--red); }
.stats__top {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  margin-bottom: 80px;
}
.stats__headline {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-weight: 700;
  font-size: var(--h3);
  line-height: 1.2;
  letter-spacing: -0.44px;
  color: var(--white);
}
.stats__body {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--md);
  line-height: 1.5;
  color: var(--white);
}
.stats__row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 48px;
}
.stat {
  border-left: 1px solid var(--white25);
  padding-left: 32px;
}
.stat__number {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-weight: 700;
  font-size: 64px;
  line-height: 1.2;
  letter-spacing: -0.64px;
  color: var(--white);
}
.stat__label {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--lg);
  line-height: 1.5;
  color: var(--white);
  margin-top: 8px;
}

/* ═══════════════════════════════════════════════════════════
   BANKING FEATURES
═══════════════════════════════════════════════════════════ */
.features { background: var(--bg); }
.features__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
}
.feature-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 24px;
}
.feature-card__icon {
  width: 48px;
  height: 48px;
  object-fit: contain;
}
.feature-card__title {
  font-family: 'Jost', sans-serif;
  font-weight: 500;
  font-size: var(--h4);
  line-height: 1.3;
  letter-spacing: -0.36px;
  color: var(--brown);
}
.feature-card__desc {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--reg);
  line-height: 1.5;
  color: var(--ink);
}

/* ═══════════════════════════════════════════════════════════
   STEPS
═══════════════════════════════════════════════════════════ */
.steps-section {
  background: #FDF6F1;
  padding: 64px var(--page-pad);
}
.steps__viewport {
  max-width: var(--max-w);
  margin-inline: auto;
}
.steps__heading {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-weight: 700;
  font-size: var(--h2);
  color: var(--red);
  margin-bottom: 32px;
}
.steps-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.step {
  background: var(--red);
  border-radius: 20px;
  padding: 48px;
  color: var(--white);
  display: flex;
  flex-direction: column;
}
.step__bar {
  width: 40px;
  height: 2px;
  background: var(--white);
  margin-bottom: 28px;
  border-radius: 2px;
}
.step__number {
  font-family: 'Roboto', sans-serif;
  font-weight: 700;
  font-size: 72px;
  line-height: 1;
  color: var(--white);
  margin-bottom: 24px;
  user-select: none;
}
.step__title {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-weight: 700;
  font-size: var(--h4);
  line-height: 1.2;
  letter-spacing: -0.36px;
  color: var(--white);
  margin-bottom: 20px;
}
.step__desc {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--reg);
  line-height: 1.5;
  color: var(--white);
}

/* ═══════════════════════════════════════════════════════════
   CTA / FORM
═══════════════════════════════════════════════════════════ */
.cta-section { background: var(--bg); }
.cta__header { margin-bottom: 48px; }
.cta__heading {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-weight: 700;
  font-size: var(--h2);
  line-height: 1.2;
  letter-spacing: -0.52px;
  color: var(--red);
  margin-bottom: 8px;
}
.cta__sub {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--md);
  line-height: 1.5;
  color: var(--black);
}
.form__label-title {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-weight: 700;
  font-size: var(--h5);
  letter-spacing: -0.28px;
  line-height: 1.4;
  color: var(--ink);
  margin-bottom: 24px;
}
.form__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 24px;
}
.form__row--full {
  grid-template-columns: 1fr;
}
.form__field {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.form__field label {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--reg);
  line-height: 1.5;
  color: var(--ink);
}
.form__input,
.form__select,
.form__textarea {
  background: var(--ink05);
  border: 1px solid transparent;
  border-radius: 6px;
  padding: 8px 12px;
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--sm);
  color: var(--ink);
  width: 100%;
  outline: none;
  transition: border-color .2s, background .2s;
}
.form__input:focus,
.form__select:focus,
.form__textarea:focus {
  border-color: var(--red);
  background: #fff;
}
.form__input { height: 48px; }
.form__select { height: 48px; appearance: none; cursor: pointer; }
.form__select-wrap {
  position: relative;
}
.form__select-wrap svg {
  position: absolute;
  right: 12px;
  top: 50%;
  transform: translateY(-50%);
  pointer-events: none;
  width: 20px;
  height: 20px;
  color: var(--ink60);
}
.form__textarea { height: 180px; resize: vertical; line-height: 1.5; padding: 12px; }
.form__char-count {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--sm);
  color: var(--ink);
}
.form__consent {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--sm);
  line-height: 1.5;
  color: var(--ink);
  margin-bottom: 24px;
}
.form__consent a { text-decoration: underline; }
.form__actions { display: flex; justify-content: flex-start; padding-top: 24px; }
.form__submit {
  background: var(--red);
  color: var(--white);
  border: none;
  border-radius: 6px;
  padding: 10px 24px;
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--reg);
  cursor: pointer;
  transition: opacity .2s, transform .15s;
  white-space: nowrap;
}
.form__submit:hover  { opacity: .88; transform: translateY(-1px); }
.form__submit:active { transform: translateY(0); }

/* ═══════════════════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════════════════ */
.footer {
  background: var(--red);
  padding: 48px var(--page-pad);
}
.footer__inner {
  max-width: var(--max-w);
  margin-inline: auto;
}
.footer__top {
  display: flex;
  gap: 64px;
  align-items: flex-start;
  margin-bottom: 31px;
}
.footer__brand {
  flex: 1 1 0;
  min-width: 0;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.footer__logo {
  margin-bottom: 32px;
}
.footer__logo img {
  height: 54px;
  width: auto;
  object-fit: contain;
}
.footer__contact-block {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.footer__contact-group {
  margin-bottom: 24px;
}
.footer__contact-group:last-child { margin-bottom: 0; }
.footer__address-label {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-weight: 700;
  font-size: var(--sm);
  line-height: 1.5;
  color: var(--white);
}
.footer__address-text {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--sm);
  line-height: 1.5;
  color: var(--white);
}
.footer__link {
  text-decoration: underline;
  color: var(--white);
  display: block;
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--sm);
  line-height: 1.5;
}
.footer__link:hover { opacity: .8; }
.footer__cols {
  flex: 0 0 auto;
  display: flex;
  gap: 24px;
  width: 400px;
}
.footer__col {
  flex: 1;
  display: flex;
  flex-direction: column;
}
.footer__col a {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-weight: 700;
  font-size: var(--sm);
  line-height: 1.5;
  color: var(--white);
  display: block;
  padding: 8px 0;
  white-space: nowrap;
}
.footer__col a:hover { opacity: .8; }
.footer__divider {
  border: none;
  border-top: 1px solid var(--white25);
  margin-bottom: 32px;
}
.footer__bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.footer__copy {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--sm);
  line-height: 1.5;
  color: var(--white);
  white-space: nowrap;
}
.footer__links {
  display: flex;
  gap: 24px;
}
.footer__links a {
  font-family: 'D-DIN', 'Heebo', sans-serif;
  font-size: var(--sm);
  line-height: 1.5;
  color: var(--white);
  text-decoration: underline;
  white-space: nowrap;
}
.footer__links a:hover { opacity: .8; }

/* ═══════════════════════════════════════════════════════════
   Scroll-reveal animation
═══════════════════════════════════════════════════════════ */
.reveal {
  opacity: 0; 
  transform: translateY(28px);
  transition: opacity .6s ease, transform .6s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}