/* ====================================================================
   FINANCE AGENCY — Private Credit Advisory
   ==================================================================== */

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

:root {
    --bg-0: #050505;
    --bg-1: #0b0b0b;
    --bg-2: #111111;
    --bg-card: #0e0e0e;

    --gold-deep: #b08d3e;
    --gold: #c8a95b;
    --gold-light: #e5c97a;
    --gold-soft: rgba(200, 169, 91, 0.35);

    --text-0: #f5f5f0;
    --text-1: #cfcfca;
    --text-2: #8e8e89;
    --text-3: #5c5c58;

    --line: rgba(200, 169, 91, 0.18);
    --line-strong: rgba(200, 169, 91, 0.4);

    --serif: "Cormorant Garamond", "Times New Roman", serif;
    --sans: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
    --mono-label: "Inter Tight", "Inter", sans-serif;

    --ease: cubic-bezier(0.16, 1, 0.3, 1);
}

html {
    scroll-behavior: smooth;
}

body {
    background: var(--bg-0);
    color: var(--text-1);
    font-family: var(--sans);
    font-size: 16px;
    line-height: 1.65;
    overflow-x: hidden;
}

::selection {
    background: var(--gold-soft);
    color: #fff;
}

a {
    color: inherit;
}

img {
    max-width: 100%;
    display: block;
}

.container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 40px;
}

.section {
    position: relative;
    padding: 130px 0;
}

/* ---------- reveal-on-scroll ---------- */

[data-reveal] {
    opacity: 0;
    transform: translateY(28px);
    transition: opacity 0.9s var(--ease), transform 0.9s var(--ease);
}

[data-reveal].is-visible {
    opacity: 1;
    transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
    [data-reveal] {
        opacity: 1;
        transform: none;
        transition: none;
    }
    html {
        scroll-behavior: auto;
    }
}

/* ---------- decorative background rays ---------- */

.bg-rays {
    position: fixed;
    inset: 0;
    z-index: 0;
    pointer-events: none;
    background:
        radial-gradient(ellipse 900px 600px at 85% -5%, rgba(200, 169, 91, 0.07), transparent 60%),
        radial-gradient(ellipse 700px 500px at -10% 40%, rgba(200, 169, 91, 0.05), transparent 60%);
}

/* ====================================================================
   TYPOGRAPHY
   ==================================================================== */

h1, h2, h3 {
    font-family: var(--serif);
    color: var(--text-0);
    font-weight: 500;
    letter-spacing: 0.01em;
    line-height: 1.08;
}

h1 {
    font-size: clamp(48px, 6.4vw, 92px);
    font-weight: 500;
}

h1 em {
    font-style: italic;
    font-weight: 400;
    color: var(--gold-light);
}

h2 {
    font-size: clamp(34px, 3.6vw, 50px);
    margin-bottom: 8px;
}

h3 {
    font-size: 21px;
    font-weight: 600;
}

p {
    color: var(--text-2);
}

.eyebrow {
    display: flex;
    align-items: center;
    gap: 14px;
    font-family: var(--mono-label);
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 22px;
}

.eyebrow-line {
    width: 34px;
    height: 1px;
    background: linear-gradient(90deg, var(--gold), transparent);
    display: inline-block;
}

.eyebrow--center {
    justify-content: center;
}

.eyebrow--center .eyebrow-line:last-child {
    background: linear-gradient(270deg, var(--gold), transparent);
}

.section-head {
    max-width: 620px;
    margin-bottom: 64px;
}

.section-head--center {
    max-width: 720px;
    margin: 0 auto 48px;
    text-align: center;
}

/* ====================================================================
   BUTTONS
   ==================================================================== */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    height: 54px;
    padding: 0 30px;
    font-family: var(--mono-label);
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    text-decoration: none;
    border-radius: 2px;
    cursor: pointer;
    border: 1px solid transparent;
    transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), background 0.25s var(--ease), color 0.25s var(--ease), border-color 0.25s var(--ease);
    white-space: nowrap;
}

.btn-gold {
    background: linear-gradient(135deg, var(--gold-deep), var(--gold-light));
    color: #0a0a0a;
    box-shadow: 0 10px 30px rgba(200, 169, 91, 0.18);
}

.btn-gold:hover {
    transform: translateY(-2px);
    box-shadow: 0 16px 40px rgba(200, 169, 91, 0.32);
}

.btn-line {
    border-color: var(--line-strong);
    color: var(--text-0);
    background: transparent;
}

.btn-line:hover {
    border-color: var(--gold);
    background: rgba(200, 169, 91, 0.06);
}

.btn-ghost {
    height: 44px;
    padding: 0 22px;
    border: 1px solid var(--line-strong);
    color: var(--text-0);
    font-size: 12px;
}

.btn-ghost:hover {
    border-color: var(--gold);
    color: var(--gold-light);
}

.btn-block {
    width: 100%;
}

/* ====================================================================
   HEADER
   ==================================================================== */

.header {
    position: sticky;
    top: 0;
    z-index: 50;
    background: rgba(5, 5, 5, 0.78);
    backdrop-filter: blur(14px);
    border-bottom: 1px solid var(--line);
}

.header-inner {
    display: flex;
    align-items: center;
    gap: 40px;
    height: 88px;
}

.brand {
    display: flex;
    align-items: center;
    gap: 14px;
    text-decoration: none;
}

.mark-frame {
    fill: none;
    stroke: var(--line-strong);
    stroke-width: 1;
}

.mark-diamond {
    fill: none;
    stroke: var(--gold);
    stroke-width: 1.4;
}

.mark-f, .mark-a {
    fill: none;
    stroke: var(--gold-light);
    stroke-width: 2;
    stroke-linecap: square;
}

.brand-text {
    font-family: var(--mono-label);
    font-size: 15px;
    font-weight: 600;
    letter-spacing: 0.14em;
    color: var(--text-0);
    line-height: 1.25;
}

.brand-text span {
    color: var(--gold);
    font-weight: 500;
}

.nav {
    display: flex;
    gap: 34px;
    margin-left: auto;
    font-size: 14px;
}

.nav a {
    position: relative;
    color: var(--text-1);
    text-decoration: none;
    padding: 6px 0;
    transition: color 0.2s ease;
}

.nav a::after {
    content: "";
    position: absolute;
    left: 0;
    bottom: 0;
    width: 0;
    height: 1px;
    background: var(--gold);
    transition: width 0.25s var(--ease);
}

.nav a:hover {
    color: var(--text-0);
}

.nav a:hover::after {
    width: 100%;
}

.nav-cta {
    margin-left: 8px;
}

.burger {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    width: 36px;
    height: 36px;
    background: none;
    border: none;
    cursor: pointer;
    margin-left: auto;
}

.burger span {
    display: block;
    height: 1px;
    background: var(--gold);
    transition: transform 0.25s ease, opacity 0.25s ease;
}

.burger-open span:nth-child(1) {
    transform: translateY(6px) rotate(45deg);
}

.burger-open span:nth-child(2) {
    opacity: 0;
}

.burger-open span:nth-child(3) {
    transform: translateY(-6px) rotate(-45deg);
}

@media (max-width: 920px) {
    .nav.nav-open {
        display: flex;
        flex-direction: column;
        position: absolute;
        top: 88px;
        left: 0;
        right: 0;
        background: rgba(5, 5, 5, 0.97);
        backdrop-filter: blur(14px);
        border-bottom: 1px solid var(--line);
        padding: 24px 40px 32px;
        gap: 20px;
    }
}

/* ====================================================================
   HERO
   ==================================================================== */

.hero {
    position: relative;
    padding: 130px 0 90px;
    overflow: hidden;
}

.hero-inner {
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    align-items: center;
    gap: 40px;
    min-height: 560px;
}

.hero-lead {
    max-width: 470px;
    font-size: 16px;
    margin: 26px 0 38px;
    color: var(--text-1);
}

.hero-actions {
    display: flex;
    gap: 18px;
    flex-wrap: wrap;
}

.hero-seal {
    display: flex;
    justify-content: center;
    align-items: center;
    position: relative;
}

.seal-svg {
    width: 100%;
    max-width: 460px;
    filter: drop-shadow(0 20px 50px rgba(0,0,0,0.45));
}

.seal-rotor {
    transform-box: fill-box;
    transform-origin: center;
    animation: sealSpin 70s linear infinite;
    will-change: transform;
}

@keyframes sealSpin {
    from { transform: rotate(0deg); }
    to { transform: rotate(360deg); }
}

.seal-ring-outer {
    fill: none;
    stroke: var(--line-strong);
    stroke-width: 1;
}

.seal-ring-inner {
    fill: none;
    stroke: var(--line);
    stroke-width: 1;
    stroke-dasharray: 2 6;
}

.seal-ticks line {
    stroke: var(--gold);
    stroke-width: 1.2;
    opacity: 0.65;
}

.seal-diamond {
    fill: none;
    stroke: var(--gold);
    stroke-width: 1.4;
}

.seal-f, .seal-a {
    fill: none;
    stroke: var(--gold-light);
    stroke-width: 2.6;
    stroke-linecap: square;
}

.seal-text-top, .seal-text-bottom {
    font-family: var(--mono-label);
    font-size: 13px;
    letter-spacing: 0.32em;
    fill: var(--text-1);
    text-anchor: middle;
}

.hero-scroll {
    position: absolute;
    bottom: 28px;
    left: 50%;
    transform: translateX(-50%);
    width: 1px;
    height: 60px;
    background: linear-gradient(180deg, transparent, var(--line-strong));
}

.hero-scroll span {
    position: absolute;
    top: 0;
    left: -2px;
    width: 5px;
    height: 5px;
    border-radius: 50%;
    background: var(--gold-light);
    animation: scrollDot 2.6s var(--ease) infinite;
}

@keyframes scrollDot {
    0% { top: 0; opacity: 0; }
    20% { opacity: 1; }
    80% { opacity: 1; }
    100% { top: 56px; opacity: 0; }
}

/* ====================================================================
   STATS STRIP
   ==================================================================== */

.stats {
    position: relative;
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
    padding: 56px 0;
    background: linear-gradient(180deg, rgba(200, 169, 91, 0.03), transparent);
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.stat {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    border-left: 1px solid var(--line);
    padding-left: 26px;
}

.stat:first-child {
    border-left: none;
    padding-left: 0;
}

.stat-line {
    display: flex;
    align-items: baseline;
    flex-direction: row;
}

.stat-num, .stat-plus {
    font-family: var(--serif);
    font-size: 46px;
    font-weight: 500;
    color: var(--text-0);
    line-height: 1;
}

.stat-plus {
    color: var(--gold-light);
}

.stat-label {
    margin-top: 10px;
    font-size: 13px;
    color: var(--text-2);
    letter-spacing: 0.02em;
}

/* ====================================================================
   ABOUT
   ==================================================================== */

.about-head h2 {
    max-width: 640px;
}

.about-columns {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    margin-top: 8px;
}

.about-col p {
    font-size: 16px;
    color: var(--text-1);
}

.about-divider {
    display: flex;
    justify-content: center;
    margin-top: 80px;
}

.divider-mark {
    width: 1px;
    height: 60px;
    background: linear-gradient(180deg, transparent, var(--gold), transparent);
}

/* ====================================================================
   SERVICES
   ==================================================================== */

.services {
    background: linear-gradient(180deg, transparent, rgba(200, 169, 91, 0.025), transparent);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1px;
    background: var(--line);
    border: 1px solid var(--line);
}

.service-card {
    background: var(--bg-card);
    padding: 38px 28px 32px;
    position: relative;
    overflow: hidden;
    transition: background 0.3s ease, box-shadow 0.3s ease;
}

.service-card::before {
    content: "";
    position: absolute;
    top: 0; left: 0;
    width: 100%; height: 2px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s var(--ease);
}

.service-card:hover {
    background: #131313;
}

.service-card:hover::before {
    transform: scaleX(1);
}

.service-icon {
    width: 36px;
    height: 36px;
    margin-bottom: 24px;
    overflow: visible;
    transition: transform 0.4s var(--ease);
}

.service-card:hover .service-icon {
    transform: translateY(-3px) scale(1.06);
}

.s-stroke {
    fill: none;
    stroke: var(--gold);
    stroke-width: 1.5;
    stroke-linejoin: round;
    stroke-linecap: round;
}

.s-stroke-thin {
    fill: none;
    stroke: var(--gold-soft);
    stroke-width: 1;
    stroke-linejoin: round;
    stroke-linecap: round;
}

.s-fill { fill: var(--gold-light); }
.s-fill-rect { fill: var(--gold); opacity: 0.85; }

.service-card h3 {
    margin-bottom: 12px;
    font-size: 19px;
}

.service-card p {
    font-size: 14px;
    color: var(--text-2);
}

.services-note {
    display: block;
    margin-top: 44px;
    padding: 22px 0;
    border-top: 1px solid var(--line);
    color: var(--text-1);
    text-decoration: none;
    font-size: 15px;
    max-width: 640px;
    transition: color 0.2s ease;
}

.services-note:hover {
    color: var(--gold-light);
}

/* ====================================================================
   PROCESS
   ==================================================================== */

.process {
    position: relative;
    background:
        radial-gradient(ellipse 900px 500px at 15% 0%, rgba(200, 169, 91, 0.08), transparent 60%),
        radial-gradient(ellipse 700px 400px at 100% 100%, rgba(200, 169, 91, 0.05), transparent 60%);
}

.process-list {
    position: relative;
    border-top: 1px solid var(--line);
}

.process-item {
    position: relative;
    display: grid;
    grid-template-columns: 64px 1fr;
    gap: 28px;
    padding: 30px 24px 30px 0;
    border-bottom: 1px solid var(--line);
    align-items: center;
    transition: padding-left 0.35s var(--ease), background 0.35s ease;
}

.process-item::before {
    content: "";
    position: absolute;
    left: -1px; top: 0; bottom: 0;
    width: 2px;
    background: linear-gradient(180deg, var(--gold), var(--gold-light));
    transform: scaleY(0);
    transform-origin: top;
    transition: transform 0.45s var(--ease);
}

.process-item:hover {
    padding-left: 28px;
    background: linear-gradient(90deg, rgba(200,169,91,0.07), transparent 70%);
}

.process-item:hover::before {
    transform: scaleY(1);
}

.process-index {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 56px;
    height: 56px;
    border: 1px solid var(--line-strong);
    border-radius: 50%;
    font-family: var(--serif);
    font-size: 22px;
    color: var(--gold);
    font-weight: 500;
    transition: border-color 0.35s ease, background 0.35s ease, color 0.35s ease, transform 0.35s var(--ease);
}

.process-item:hover .process-index {
    border-color: var(--gold);
    background: rgba(200,169,91,0.12);
    color: var(--gold-light);
    transform: scale(1.08);
}

.process-body h3 {
    margin-bottom: 6px;
    font-size: 19px;
    transition: color 0.3s ease;
}

.process-item:hover .process-body h3 {
    color: var(--gold-light);
}

.process-body p {
    font-size: 14px;
    max-width: 560px;
}

/* ====================================================================
   ADVANTAGES
   ==================================================================== */

.advantages {
    position: relative;
    overflow: hidden;
}

.advantages-bg {
    position: absolute;
    inset: 0;
    z-index: 0;
    background:
        radial-gradient(ellipse 700px 420px at 88% 8%, rgba(200,169,91,0.07), transparent 60%),
        radial-gradient(ellipse 600px 500px at 6% 95%, rgba(200,169,91,0.05), transparent 60%),
        var(--bg-0);
}

.advantages .section-head,
.advantages .adv-grid {
    position: relative;
    z-index: 1;
}

.adv-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 48px 40px;
}

.adv-item {
    position: relative;
    padding-top: 26px;
    border-top: 1px solid var(--line);
    transition: transform 0.4s var(--ease), border-color 0.4s ease;
}

.adv-item::before {
    content: "";
    position: absolute;
    top: -1px; left: 0;
    width: 0; height: 1px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    transition: width 0.5s var(--ease);
}

.adv-item:hover {
    transform: translateY(-6px);
}

.adv-item:hover::before {
    width: 100%;
}

.adv-icon {
    width: 40px;
    height: 40px;
    margin-bottom: 20px;
    overflow: visible;
    transition: transform 0.45s var(--ease), filter 0.45s ease;
}

.adv-item:hover .adv-icon {
    transform: scale(1.12) rotate(-3deg);
    filter: drop-shadow(0 6px 14px rgba(200,169,91,0.35));
}

.adv-item h3 {
    transition: color 0.3s ease;
}

.adv-item:hover h3 {
    color: var(--gold-light);
}

.i-stroke {
    fill: none;
    stroke: var(--gold);
    stroke-width: 1.5;
    stroke-linejoin: round;
    stroke-linecap: round;
}

.i-stroke-thin {
    fill: none;
    stroke: var(--gold-soft);
    stroke-width: 1;
    stroke-linejoin: round;
    stroke-linecap: round;
}

.i-fill {
    fill: var(--gold-light);
}

.i-fill-rect {
    fill: var(--gold);
}

.adv-item h3 {
    margin-bottom: 8px;
    font-size: 18px;
}

.adv-item p {
    font-size: 14px;
}

/* ====================================================================
   BANKS
   ==================================================================== */

.banks {
    text-align: center;
    padding: 100px 0;
}

.banks-sub {
    font-size: 14px;
    margin-top: 6px;
}

.banks-row {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
    gap: 18px;
    margin-top: 44px;
}

.bank-card {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 168px;
    height: 92px;
    padding: 20px 26px;
    border: 1px solid transparent;
    background: transparent;
    transition: border-color 0.35s ease, transform 0.35s var(--ease), box-shadow 0.35s ease;
}

.bank-card img {
    max-width: 100%;
    max-height: 100%;
    width: auto;
    height: auto;
    object-fit: contain;
    filter: grayscale(1) brightness(1.6) contrast(0.9) opacity(0.75);
    transition: filter 0.4s ease, transform 0.4s var(--ease);
}

.bank-card:hover {
    border-color: var(--gold);
    transform: translateY(-4px);
    box-shadow: 0 16px 34px rgba(200,169,91,0.16);
}

.bank-card:hover img {
    filter: grayscale(0) brightness(1) contrast(1) opacity(1);
    transform: scale(1.05);
}

.banks-row .dot {
    display: none;
}

/* ====================================================================
   CTA BLOCK
   ==================================================================== */

.cta-block {
    position: relative;
    padding: 130px 0;
    text-align: center;
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
    background: radial-gradient(ellipse 900px 400px at 50% 0%, rgba(200, 169, 91, 0.07), transparent 70%);
}

.cta-mark {
    width: 56px;
    height: 56px;
    margin: 0 auto 28px;
}

.cta-inner h2 {
    margin-bottom: 18px;
}

.cta-inner p {
    font-size: 16px;
    margin-bottom: 38px;
}

/* ====================================================================
   CONTACT
   ==================================================================== */

.contact-inner {
    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    gap: 70px;
}

.contact-lead {
    font-size: 15px;
    max-width: 400px;
    margin: 22px 0 36px;
}

.contact-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.contact-list li {
    display: flex;
    flex-direction: column;
    gap: 4px;
    padding-bottom: 16px;
    border-bottom: 1px solid var(--line);
}

.contact-label {
    font-family: var(--mono-label);
    font-size: 11px;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--text-3);
}

.contact-list a {
    font-family: var(--serif);
    font-size: 22px;
    color: var(--text-0);
    text-decoration: none;
    transition: color 0.2s ease;
}

.contact-list a:hover {
    color: var(--gold-light);
}

.contact-form {
    background: var(--bg-card);
    border: 1px solid var(--line);
    padding: 44px;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    font-family: var(--mono-label);
    font-size: 11px;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--text-2);
    margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 13px 14px;
    background: var(--bg-1);
    border: 1px solid var(--line);
    color: var(--text-0);
    font-family: var(--sans);
    font-size: 14px;
    border-radius: 1px;
    resize: vertical;
    transition: border-color 0.2s ease;
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--text-3);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--gold);
}

.form-group select {
    cursor: pointer;
}

.form-note {
    margin-top: 14px;
    font-size: 11px;
    color: var(--text-3);
}

.form-success {
    display: none;
    margin-top: 14px;
    font-size: 13px;
    color: var(--gold-light);
}

.form-success.is-visible {
    display: block;
}

.form-error {
    display: none;
    margin-top: 14px;
    font-size: 13px;
    color: #e0796b;
}

.form-error.is-visible {
    display: block;
}

/* ====================================================================
   FOOTER
   ==================================================================== */

.footer {
    border-top: 1px solid var(--line);
    padding: 30px 0;
    font-size: 12px;
    color: var(--text-3);
}

.footer-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 10px;
}

.footer-brand {
    font-family: var(--mono-label);
    letter-spacing: 0.16em;
    color: var(--text-2);
}

/* ====================================================================
   RESPONSIVE
   ==================================================================== */

@media (max-width: 1080px) {
    .services-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .adv-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 920px) {
    .nav {
        display: none;
    }
    .nav-cta {
        display: none;
    }
    .burger {
        display: flex;
    }

    .hero-inner {
        grid-template-columns: 1fr;
        text-align: left;
        min-height: auto;
        gap: 60px;
    }
    .hero-seal {
        order: -1;
    }
    .seal-svg {
        max-width: 280px;
    }

    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 32px 24px;
    }
    .stat:nth-child(3) {
        border-left: none;
        padding-left: 0;
    }

    .about-columns {
        grid-template-columns: 1fr;
        gap: 28px;
    }

    .contact-inner {
        grid-template-columns: 1fr;
        gap: 48px;
    }
}

@media (max-width: 640px) {
    .container {
        padding: 0 22px;
    }
    .section {
        padding: 90px 0;
    }
    .hero {
        padding: 100px 0 70px;
    }
    h1 {
        font-size: clamp(36px, 10vw, 52px);
    }
    .hero-actions {
        flex-direction: column;
        align-items: stretch;
    }
    .stats-grid {
        grid-template-columns: 1fr 1fr;
    }
    .bank-card {
        width: 136px;
        height: 76px;
        padding: 14px 18px;
    }
    .services-grid {
        grid-template-columns: 1fr;
    }
    .adv-grid {
        grid-template-columns: 1fr;
    }
    .process-item {
        grid-template-columns: 44px 1fr;
        gap: 18px;
        padding-right: 12px;
    }
    .process-index {
        width: 44px;
        height: 44px;
        font-size: 17px;
    }
    .form-row {
        grid-template-columns: 1fr;
    }
    .contact-form {
        padding: 28px 22px;
    }
    .footer-inner {
        flex-direction: column;
        align-items: flex-start;
    }
}