:root {
      --gold: #c9a34e;
      --gold-dark: #a7853f;
      --bg-dark: #111214;
      --bg-darker: #050608;
      --gray-light: #e5e5e5;
      --gray-card: #1d1f23;
      --white: #ffffff;
      --accent: #000000;
    }

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

    body {
      font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI",
        Roboto, sans-serif;
      background: var(--bg-dark);
      color: var(--white);
      line-height: 1.6;
    }

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

    a {
      text-decoration: none;
      color: inherit;
    }

    .container {
      width: 100%;
      max-width: 1140px;
      margin: 0 auto;
      padding: 0 16px;
    }

    .section {
      padding: 60px 0;
    }

    .section-title {
      text-align: center;
      font-size: 28px;
      font-weight: 700;
      margin-bottom: 24px;
    }

    .section-subtitle {
      text-align: center;
      color: #cfd1d4;
      max-width: 640px;
      margin: 0 auto 40px auto;
      font-size: 15px;
    }

    .btn {
      display: inline-block;
      padding: 12px 28px;
      border-radius: 3px;
      font-weight: 600;
      letter-spacing: 0.03em;
      font-size: 14px;
      text-transform: uppercase;
      border: none;
      cursor: pointer;
      transition: all 0.2s ease;
      text-align: center;
    }

    .btn-outline {
      border: 1px solid var(--white);
      background: transparent;
      color: var(--white);
    }

    .btn-outline:hover {
      background: var(--white);
      color: var(--bg-dark);
    }

    .btn-primary {
      background: var(--gold);
      color: var(--bg-dark);
    }

    .btn-primary:hover {
      background: var(--gold-dark);
    }

    .btn-dark {
      background: var(--accent);
      color: var(--white);
    }

    .btn-dark:hover {
      background: #222328;
    }

    /* TOP NAV */

    .topbar {
      position: sticky;
      top: 0;
      z-index: 10;
      background: rgba(5, 6, 8, 0.9);
      border-bottom: 1px solid #1f2128;
      backdrop-filter: blur(10px);
    }

    .topbar-inner {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 16px;
      padding: 14px 0;
    }

    .brand {
      display: flex;
      align-items: center;
      gap: 10px;
    }

    .logo-placeholder {
      width: 38px;
      height: 38px;
      border-radius: 8px;
      border: 1px dashed #30323a;
      background: linear-gradient(135deg, rgba(201, 163, 78, 0.16), rgba(255, 255, 255, 0.04));
    }

    .brand-text {
      font-weight: 800;
      letter-spacing: 0.02em;
    }

    .nav-links {
      display: flex;
      align-items: center;
      gap: 12px;
      flex-wrap: wrap;
    }

    .nav-links a {
      padding: 6px 10px;
      color: #d6d8dc;
      font-weight: 600;
      font-size: 14px;
      transition: color 0.2s ease, background 0.2s ease;
      border-radius: 4px;
    }

    .nav-links a:hover {
      color: var(--white);
      background: rgba(255, 255, 255, 0.04);
    }

    .nav-links .nav-cta {
      padding: 10px 16px;
      font-size: 13px;
    }

    /* HERO */

    .hero {
      min-height: 100vh;
      display: flex;
      align-items: stretch;
      background: var(--bg-darker);
    }

    .hero-grid {
      display: grid;
      grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr);
      width: 100%;
    }

    .hero-left {
      position: relative;
      background: linear-gradient(
          to bottom,
          rgba(0, 0, 0, 0.7),
          rgba(0, 0, 0, 0.85)
        ),
        url("https://images.pexels.com/photos/8297033/pexels-photo-8297033.jpeg?auto=compress&cs=tinysrgb&w=1200")
          center/cover no-repeat;
      padding: 60px 40px;
      display: flex;
      flex-direction: column;
      justify-content: center;
    }

    .hero-tag {
      font-size: 13px;
      letter-spacing: 0.16em;
      text-transform: uppercase;
      color: var(--gold);
      margin-bottom: 12px;
      font-weight: 600;
    }

    .hero-title {
      font-size: 34px;
      line-height: 1.2;
      font-weight: 800;
      margin-bottom: 14px;
    }

    .hero-subtitle {
      font-size: 16px;
      color: #d3d5d8;
      max-width: 420px;
      margin-bottom: 24px;
    }

    .hero-btn-row {
      margin-top: 12px;
    }

    .hero-right {
      background: radial-gradient(circle at top left, #d9c28a, #8a6b2d);
      padding: 60px 40px;
      display: flex;
      align-items: center;
      justify-content: center;
    }

    .hero-card {
      background: rgba(0, 0, 0, 0.72);
      padding: 28px 26px 26px;
      border-radius: 4px;
      max-width: 360px;
      width: 100%;
      box-shadow: 0 18px 45px rgba(0, 0, 0, 0.5);
    }

    .hero-card-title {
      font-size: 22px;
      font-weight: 700;
      margin-bottom: 6px;
      text-align: center;
    }

    .hero-card-subtitle {
      font-size: 13px;
      text-align: center;
      color: #e0e2e6;
      margin-bottom: 20px;
    }

    .hero-form {
      display: flex;
      flex-direction: column;
      gap: 12px;
    }

    .form-row {
      display: grid;
      grid-template-columns: repeat(2, minmax(0, 1fr));
      gap: 12px;
    }

    .form-group {
      margin-bottom: 14px;
    }

    .form-label {
      font-size: 12px;
      display: block;
      margin-bottom: 4px;
      color: #cfd1d4;
    }

    .form-control {
      width: 100%;
      padding: 10px 12px;
      border-radius: 3px;
      border: 1px solid #343841;
      background: #101114;
      color: var(--white);
      font-size: 14px;
      outline: none;
      transition: border 0.15s ease, box-shadow 0.15s ease;
    }

    .form-control::placeholder {
      color: #72757e;
    }

    .form-control:focus {
      border-color: var(--gold);
      box-shadow: 0 0 0 1px rgba(201, 163, 78, 0.6);
    }

    .hero-card button {
      width: 100%;
      margin-top: 6px;
    }

    .success-message {
      margin-top: 10px;
      font-size: 13px;
      color: #9ad59a;
    }

    /* SECTION: WHY CREDIT MATTERS */

    .section-light {
    background: linear-gradient(to bottom, #181a1f, #101217);
    }

    .why-grid {
      display: grid;
      grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr);
      gap: 40px;
      align-items: center;
    }

    .why-text p {
      color: #d3d5d8;
      font-size: 15px;
      margin-bottom: 18px;
    }

    .why-icons {
      display: grid;
      grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
      gap: 18px;
      margin-top: 8px;
    }

    .why-icon-item h4 {
      font-size: 15px;
      margin-bottom: 4px;
      color: var(--gold);
    }

    .why-icon-item p {
      margin: 0;
      font-size: 13px;
      color: #c4c6cb;
    }

    .why-image {
      border-radius: 6px;
      overflow: hidden;
      box-shadow: 0 18px 45px rgba(0, 0, 0, 0.5);
    }

    /* STRENGTHS */

    .section-dark {
        background: linear-gradient(to bottom, #101217, #181a1f);
    }

    .strengths-grid {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 22px;
      margin-top: 26px;
    }

    .card {
      background: var(--gray-card);
      border-radius: 4px;
      padding: 22px 20px;
      text-align: left;
      box-shadow: 0 10px 26px rgba(0, 0, 0, 0.45);
    }

    .card-icon {
      width: 32px;
      height: 32px;
      border-radius: 999px;
      border: 1px solid var(--gold);
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 16px;
      margin-bottom: 12px;
    }

    .card-title {
      font-size: 16px;
      font-weight: 600;
      margin-bottom: 8px;
    }

    .card-text {
      font-size: 14px;
      color: #c4c6cb;
    }

    /* TESTIMONIAL */

    .testimonial-grid {
      display: grid;
      grid-template-columns: minmax(0, 1.1fr) minmax(0, 1.1fr);
      gap: 0;
      border-radius: 4px;
      overflow: hidden;
      box-shadow: 0 18px 40px rgba(0, 0, 0, 0.55);
      background: #14151a;
    }

    .testimonial-image {
      min-height: 260px;
    }

    .testimonial-text {
      background: var(--gold);
      color: var(--bg-darker);
      padding: 30px 32px;
      display: flex;
      flex-direction: column;
      justify-content: center;
    }

    .testimonial-quote {
      font-size: 16px;
      margin-bottom: 14px;
    }

    .testimonial-author {
      font-weight: 700;
      font-size: 14px;
    }

    /* PROCESS */

    .process-steps {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 22px;
      margin-top: 26px;
    }

    .process-step {
      text-align: left;
      color: #d3d5d8;
    }

    .process-number {
      font-size: 32px;
      font-weight: 800;
      color: rgba(201, 163, 78, 0.2);
      margin-bottom: 6px;
    }

    .process-title {
      font-size: 15px;
      font-weight: 600;
      margin-bottom: 4px;
      color: var(--white);
    }

    .process-text {
      font-size: 14px;
      color: #b9bbc1;
    }

    /* PACKAGES */

    .packages-grid {
      display: grid;
      grid-template-columns: repeat(3, minmax(0, 1fr));
      gap: 22px;
      margin-top: 20px;
    }

    .package-card {
      background: var(--gray-card);
      border-radius: 4px;
      padding: 24px 22px 26px;
      text-align: center;
      box-shadow: 0 16px 36px rgba(0, 0, 0, 0.5);
      border: 1px solid #23252b;
    }

    .package-card.highlight {
      background: var(--gold);
      color: var(--bg-darker);
      border-color: transparent;
      transform: translateY(-6px);
    }

    .package-label {
      font-size: 13px;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      margin-bottom: 6px;
      font-weight: 600;
      color: #cfd1d4;
    }

    .package-card.highlight .package-label {
      color: #68501f;
    }

    .package-title {
      font-size: 18px;
      font-weight: 700;
      margin-bottom: 6px;
    }

    .package-subtitle {
      font-size: 13px;
      text-transform: uppercase;
      letter-spacing: 0.12em;
      opacity: 0.85;
      margin-bottom: 14px;
    }

    .package-text {
      font-size: 14px;
      margin-bottom: 20px;
      color: #cfd1d4;
    }

    .package-card.highlight .package-text {
      color: #30230a;
    }

    .package-card .btn {
      width: 100%;
    }

    .package-card.highlight .btn {
      background: var(--accent);
      color: var(--white);
    }

    .package-card.highlight .btn:hover {
      background: #222328;
    }

    /* FINAL CTA */

    .footer-cta {
      background: #050608;
      padding: 40px 0;
      border-top: 1px solid #1f2128;
    }

    .footer-cta-inner {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 24px;
      flex-wrap: wrap;
    }

    .footer-cta-title {
      font-size: 22px;
      font-weight: 700;
      margin-bottom: 6px;
    }

    .footer-cta-text {
      font-size: 14px;
      color: #cfd1d4;
      max-width: 520px;
    }

    /* RESPONSIVE */

    @media (max-width: 960px) {
      .topbar-inner {
        padding: 12px 0;
      }

      .nav-links {
        justify-content: flex-end;
      }

      .hero-grid {
        grid-template-columns: minmax(0, 1fr);
      }

      .hero-left,
      .hero-right {
        padding: 40px 24px;
      }

      .hero {
        min-height: auto;
      }

      .hero-right {
        order: -1;
      }

      .why-grid,
      .testimonial-grid {
        grid-template-columns: minmax(0, 1fr);
        gap: 28px;
      }

      .testimonial-text {
        order: -1;
      }

      .strengths-grid,
      .process-steps,
      .packages-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
      }
    }

    @media (max-width: 640px) {
      .section {
        padding: 44px 0;
      }

      .hero-title {
        font-size: 28px;
      }

      .nav-links {
        gap: 8px;
      }

      .form-row {
        grid-template-columns: minmax(0, 1fr);
      }

      .strengths-grid,
      .process-steps,
      .packages-grid {
        grid-template-columns: minmax(0, 1fr);
      }

      .footer-cta-inner {
        flex-direction: column;
        align-items: flex-start;
      }
    }