:root{
  --primary:#083b66;
  --primary-deep:#05253f;
  --secondary:#0f6e8c;
  --accent:#23b5d3;
  --sand:#f4efe6;
  --light:#f7fbfd;
  --text:#17324a;
  --muted:#617485;
  --card:#ffffff;
  --line:rgba(8,59,102,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--text);background:#fff;line-height:1.65}
a{text-decoration:none;color:var(--primary)}
a:hover{color:var(--secondary)}
.topbar{
  background:linear-gradient(90deg,var(--primary-deep),var(--primary));
  color:#fff;
  position:sticky;
  top:0;
  z-index:1050;
  box-shadow:0 12px 28px rgba(5,37,63,.22);
}
.topbar a{color:#fff;font-weight:800;letter-spacing:.01em}
.site-nav{
  background:rgba(255,255,255,.96)!important;
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.navbar-brand{font-weight:900;color:var(--primary)!important;letter-spacing:.02em}
.nav-link{font-weight:700;color:var(--primary)!important}
.nav-link.active,.nav-link:hover{color:var(--secondary)!important}
.navbar-toggler{border:0}
.hero{
  position:relative;
  overflow:hidden;
  background:
    radial-gradient(circle at 85% 10%, rgba(35,181,211,.22), transparent 24%),
    radial-gradient(circle at 10% 15%, rgba(15,110,140,.16), transparent 22%),
    linear-gradient(180deg,#eef9fc 0%,#ffffff 60%);
  padding:6.5rem 0 4.5rem;
}
.kicker,.badge-soft{
  display:inline-flex;
  align-items:center;
  gap:.55rem;
  background:rgba(255,255,255,.88);
  border:1px solid var(--line);
  padding:.55rem .95rem;
  border-radius:999px;
  font-size:.9rem;
  font-weight:800;
  color:var(--primary);
}
.display-hero{
  font-size:clamp(2.5rem,4.1vw,4.7rem);
  line-height:1.02;
  font-weight:900;
  color:var(--primary-deep);
}
.lead-soft{font-size:1.1rem;color:var(--muted);max-width:780px}
.hero-panel,.card-soft,.blog-card,.loan-card,.contact-panel,.faq-card,.stat-card,.info-panel{
  background:var(--card);
  border:1px solid var(--line);
  border-radius:1.6rem;
  box-shadow:0 18px 55px rgba(10,45,76,.08);
}
.hero-panel{padding:1.75rem}
.wave-line{
  height:10px;
  width:110px;
  border-radius:999px;
  background:linear-gradient(90deg,var(--accent),var(--secondary));
}
.btn-brand{
  border-radius:999px;
  padding:.92rem 1.35rem;
  font-weight:800;
  border:0;
  background:linear-gradient(90deg,var(--primary),var(--secondary));
  color:#fff;
  box-shadow:0 10px 24px rgba(8,59,102,.18);
}
.btn-brand:hover{color:#fff;transform:translateY(-1px)}
.btn-outline-brand{
  border-radius:999px;
  padding:.86rem 1.3rem;
  font-weight:800;
  border:2px solid var(--primary);
  color:var(--primary);
  background:#fff;
}
.btn-outline-brand:hover{background:var(--primary);color:#fff}
.section{padding:4.5rem 0}
.section-title{font-size:clamp(1.85rem,2.4vw,2.7rem);font-weight:900;color:var(--primary-deep);margin-bottom:1rem}
.section-subtitle{color:var(--muted);max-width:780px}
.stat-card,.loan-card,.blog-card,.contact-panel,.info-panel,.faq-card,.card-soft{padding:1.55rem;height:100%}
.icon-wrap{
  width:3.1rem;
  height:3.1rem;
  border-radius:1rem;
  display:grid;
  place-items:center;
  background:linear-gradient(135deg, rgba(35,181,211,.16), rgba(8,59,102,.12));
  color:var(--primary);
  font-size:1.15rem;
}
.loan-card h3,.blog-card h3,.contact-panel h3,.info-panel h3,.faq-card h3{font-size:1.18rem;font-weight:900;color:var(--primary-deep)}
.muted{color:var(--muted)}
.image-block{
  min-height:100%;
  border-radius:1.8rem;
  background:
    linear-gradient(145deg, rgba(8,59,102,.78), rgba(15,110,140,.62)),
    url('https://images.unsplash.com/photo-1519046904884-53103b34b206?auto=format&fit=crop&w=1200&q=80') center/cover;
  position:relative;
  overflow:hidden;
  color:#fff;
}
.image-block .overlay-content{padding:2rem}
.mini-stat{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.16);backdrop-filter:blur(6px);padding:1rem;border-radius:1.2rem;text-align:center}
.list-check{list-style:none;padding-left:0}
.list-check li{position:relative;padding-left:1.8rem;margin-bottom:.85rem}
.list-check li::before{
  content:"\f058";
  font-family:"Font Awesome 6 Free";
  font-weight:900;
  position:absolute;
  left:0;top:.05rem;
  color:var(--accent);
}
.cta-shell{
  background:linear-gradient(135deg,var(--primary-deep),var(--primary));
  color:#fff;
  border-radius:2rem;
  padding:2.2rem;
  box-shadow:0 20px 50px rgba(5,37,63,.18);
}
.market-grid .card-soft{
  background:linear-gradient(180deg,#fff,#fbfeff);
}
.breadcrumb-wrap{background:#f8fbfd;border-bottom:1px solid var(--line)}
.page-hero{
  padding:3.8rem 0;
  background:linear-gradient(180deg,#f2fbfd 0%,#fff 100%);
}
.table-shell{border:1px solid var(--line);border-radius:1.2rem;overflow:hidden}
.table-shell .table{margin-bottom:0}
.accordion-item{border:1px solid var(--line)!important;border-radius:1rem!important;overflow:hidden;margin-bottom:1rem}
.accordion-button{font-weight:800;color:var(--primary-deep)}
.accordion-button:not(.collapsed){background:#eef9fc;color:var(--primary)}
.footer{
  background:linear-gradient(180deg,#06233c 0%, #04192d 100%);
  color:#d9e7f2;
  padding-top:4rem;
  margin-top:4rem;
}
.footer h5{color:#fff;font-weight:900}
.footer a{color:#d9e7f2}
.footer a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:2rem;padding:1.1rem 0}
.blog-hero-card{
  background:linear-gradient(140deg,#ffffff,#f4fbfd);
  border:1px solid var(--line);
  border-radius:1.6rem;
  padding:1.5rem;
}
.post-content h2,.post-content h3{font-weight:900;color:var(--primary-deep);margin-top:2rem}
.post-content p,.post-content li{color:var(--text)}
@media (max-width: 991.98px){
  .hero{padding-top:5.25rem}
  .site-nav .btn{margin-top:.75rem}
}