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

:root {
  --primary: #1a3a5c;
  --accent: #0ea5e9;
  --accent-light: #e0f2fe;
  --dark: #0f172a;
  --gray: #64748b;
  --light: #f8fafc;
  --white: #ffffff;
  --border: #e2e8f0;
  --radius: 12px;
  --shadow: 0 4px 24px rgba(0,0,0,0.08);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--dark);
  background: var(--white);
  line-height: 1.6;
}

.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }

.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}

.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 68px; }

.logo { font-size: 1.25rem; font-weight: 800; color: var(--primary); text-decoration: none; letter-spacing: -0.5px; }
.logo span { color: #722f37; }
.wine { color: #722f37; }

.nav-links { display: flex; align-items: center; gap: 32px; list-style: none; }
.nav-links a { text-decoration: none; color: var(--gray); font-size: 0.9rem; font-weight: 500; transition: color 0.2s; }
.nav-links a:hover { color: var(--primary); }

.hamburger { display: none; background: none; border: none; font-size: 1.5rem; cursor: pointer; color: var(--primary); }

.btn { display: inline-block; padding: 12px 24px; border-radius: 8px; font-weight: 600; font-size: 0.95rem; text-decoration: none; cursor: pointer; transition: all 0.2s; border: none; font-family: inherit; }
.btn-sm { padding: 8px 18px; font-size: 0.85rem; }
.btn-primary { background: var(--accent); color: var(--white); }
.btn-primary:hover { background: #0284c7; transform: translateY(-1px); box-shadow: 0 8px 20px rgba(14,165,233,0.3); }
.btn-ghost { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,0.6); }
.btn-ghost:hover { background: rgba(255,255,255,0.15); border-color: var(--white); }
.btn-full { width: 100%; text-align: center; padding: 16px; font-size: 1rem; }

.hero {
  padding: 140px 0 100px;
  background-color: #1a3a5c;
  background-image: linear-gradient(135deg, rgba(10,25,41,0.82) 0%, rgba(26,58,92,0.72) 100%),
              url('https://images.unsplash.com/photo-1547683905-f686c993aae5?auto=format&fit=crop&w=1600&q=80');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
}

.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }

.badge { display: inline-block; background: var(--accent-light); color: var(--accent); font-size: 0.8rem; font-weight: 600; padding: 6px 14px; border-radius: 99px; margin-bottom: 20px; letter-spacing: 0.5px; text-transform: uppercase; }

.hero-text h1 { font-size: clamp(2.5rem, 4vw, 3.8rem); font-weight: 800; line-height: 1.1; color: var(--white); margin-bottom: 20px; letter-spacing: -1px; }
.hero-text p { font-size: 1.1rem; color: rgba(255,255,255,0.85); margin-bottom: 32px; max-width: 480px; }
.hero-actions { display: flex; gap: 16px; margin-bottom: 48px; flex-wrap: wrap; }
.hero-stats { display: flex; gap: 48px; }
.stat strong { display: block; font-size: 1.6rem; font-weight: 900; color: var(--white); }
.stat span { font-size: 0.88rem; color: rgba(255,255,255,0.75); font-weight: 500; }

.hero-visual { display: flex; justify-content: center; align-items: center; }
.card-stack { position: relative; width: 340px; height: 200px; }
.card { position: absolute; width: 320px; height: 180px; border-radius: 16px; }
.card-back { background: linear-gradient(135deg, #1a3a5c, #0ea5e9); top: 20px; left: 20px; opacity: 0.4; transform: rotate(4deg); }
.card-front { background: linear-gradient(135deg, #1a3a5c 0%, #0f2d4a 100%); top: 0; left: 0; padding: 28px; color: white; box-shadow: 0 20px 60px rgba(26,58,92,0.35); }
.card-label { font-size: 0.75rem; font-weight: 600; color: var(--accent); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 8px; }
.card-amount { font-size: 1.6rem; font-weight: 800; letter-spacing: -0.5px; margin-bottom: 20px; }
.card-meta { display: flex; align-items: center; gap: 8px; font-size: 0.8rem; color: rgba(255,255,255,0.6); margin-bottom: 16px; }
.dot { width: 4px; height: 4px; border-radius: 50%; background: rgba(255,255,255,0.4); }
.card-bar { height: 4px; background: rgba(255,255,255,0.15); border-radius: 99px; }
.card-bar-fill { height: 100%; width: 72%; background: var(--accent); border-radius: 99px; }

.section { padding: 96px 0; }
.section-dark { background: var(--dark); color: var(--white); }
.section-dark .section-header p { color: rgba(255,255,255,0.6); }
.section-accent { background: var(--primary); color: var(--white); padding: 80px 0; }

.section-header { text-align: center; margin-bottom: 64px; }
.section-header h2 { font-size: clamp(1.8rem, 3vw, 2.6rem); font-weight: 800; margin-bottom: 12px; letter-spacing: -0.5px; }
.section-header p { font-size: 1.05rem; color: var(--gray); max-width: 520px; margin: 0 auto; }

.steps { display: flex; align-items: flex-start; gap: 12px; justify-content: center; }
.step { flex: 1; max-width: 240px; text-align: center; padding: 36px 20px; background: var(--light); border-radius: var(--radius); border: 1px solid var(--border); }
.step-num { font-size: 2.2rem; font-weight: 800; color: var(--accent); margin-bottom: 12px; line-height: 1; }
.step h3 { font-size: 1rem; font-weight: 700; margin-bottom: 10px; color: var(--primary); }
.step p { font-size: 0.86rem; color: var(--gray); }
.step-arrow { font-size: 1.5rem; color: var(--accent); margin-top: 56px; flex-shrink: 0; }

.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.product-card { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); border-radius: var(--radius); padding: 32px; transition: all 0.2s; }
.product-card:hover { background: rgba(255,255,255,0.08); border-color: var(--accent); transform: translateY(-2px); }
.product-icon { font-size: 2rem; margin-bottom: 16px; }
.product-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 10px; color: var(--white); }
.product-card p { font-size: 0.88rem; color: rgba(255,255,255,0.6); margin-bottom: 20px; }
.product-meta { display: flex; gap: 10px; flex-wrap: wrap; }
.product-meta span { font-size: 0.75rem; font-weight: 600; background: rgba(14,165,233,0.2); color: var(--accent); padding: 4px 10px; border-radius: 99px; }

.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.why-item { padding: 32px; border-radius: var(--radius); border: 1px solid var(--border); transition: all 0.2s; }
.why-item:hover { border-color: var(--accent); box-shadow: var(--shadow); transform: translateY(-2px); }
.why-icon { font-size: 2rem; margin-bottom: 16px; }
.why-item h3 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; color: var(--primary); }
.why-item p { font-size: 0.88rem; color: var(--gray); }

.qualify-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.qualify-text h2 { font-size: 2rem; font-weight: 800; margin-bottom: 16px; }
.qualify-text p { color: rgba(255,255,255,0.75); margin-bottom: 24px; }
.qualify-list { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.qualify-list li { font-weight: 500; color: rgba(255,255,255,0.9); font-size: 0.95rem; }
.qualify-cta p { color: rgba(255,255,255,0.75); margin-bottom: 24px; }
.qualify-cta .btn-primary { background: var(--white); color: var(--primary); }
.qualify-cta .btn-primary:hover { background: var(--accent-light); }

.about-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.about-text p { font-size: 0.95rem; color: var(--gray); margin-bottom: 16px; line-height: 1.8; }
.about-badges { display: flex; flex-direction: column; gap: 20px; }
.badge-card { display: flex; align-items: flex-start; gap: 16px; padding: 24px; background: var(--light); border: 1px solid var(--border); border-radius: var(--radius); transition: all 0.2s; }
.badge-card:hover { border-color: var(--accent); box-shadow: var(--shadow); }
.badge-icon { font-size: 1.8rem; flex-shrink: 0; }
.badge-card strong { display: block; font-size: 0.95rem; font-weight: 700; color: var(--primary); margin-bottom: 4px; }
.badge-card span { font-size: 0.82rem; color: var(--gray); line-height: 1.6; }

.apply-form { max-width: 720px; margin: 0 auto; background: var(--light); border: 1px solid var(--border); border-radius: 16px; padding: 48px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; }
.form-group { display: flex; flex-direction: column; gap: 8px; }
.form-group label { font-size: 0.85rem; font-weight: 600; color: var(--primary); }
.form-group input, .form-group select { padding: 12px 16px; border: 1.5px solid var(--border); border-radius: 8px; font-size: 0.95rem; font-family: inherit; background: var(--white); color: var(--dark); transition: border-color 0.2s; outline: none; }
.form-group input:focus, .form-group select:focus { border-color: var(--accent); }
.form-note { text-align: center; font-size: 0.78rem; color: var(--gray); margin-top: 16px; }

.success-msg { display: none; text-align: center; padding: 64px 32px; max-width: 480px; margin: 0 auto; }
.success-msg.visible { display: block; }
.success-icon { width: 64px; height: 64px; background: #dcfce7; color: #16a34a; font-size: 1.8rem; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 20px; }
.success-msg h3 { font-size: 1.5rem; font-weight: 700; margin-bottom: 8px; color: var(--primary); }
.success-msg p { color: var(--gray); }

.footer { background: var(--dark); color: rgba(255,255,255,0.7); padding-top: 64px; }
.footer-inner { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 48px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-brand .logo { margin-bottom: 16px; display: block; }
.footer-brand p { font-size: 0.88rem; max-width: 300px; line-height: 1.7; }
.footer-links h4, .footer-contact h4 { color: var(--white); font-size: 0.9rem; font-weight: 700; margin-bottom: 16px; text-transform: uppercase; letter-spacing: 0.5px; }
.footer-links ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-links a, .footer-contact a { color: rgba(255,255,255,0.6); text-decoration: none; font-size: 0.88rem; transition: color 0.2s; }
.footer-links a:hover, .footer-contact a:hover { color: var(--accent); }
.footer-contact p { font-size: 0.88rem; margin-bottom: 8px; }
.social-links { display: flex; gap: 10px; margin-top: 16px; }
.social-links a { background: rgba(255,255,255,0.08); color: rgba(255,255,255,0.6); padding: 6px 14px; border-radius: 6px; font-size: 0.8rem; text-decoration: none; transition: all 0.2s; }
.social-links a:hover { background: rgba(255,255,255,0.14); color: var(--white); }
.footer-bottom { padding: 20px 0; }
.footer-bottom p { font-size: 0.78rem; color: rgba(255,255,255,0.4); text-align: center; }

@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: block; }
  .hero { padding: 100px 0 64px; }
  .hero-inner { grid-template-columns: 1fr; gap: 48px; }
  .hero-visual { display: none; }
  .hero-stats { gap: 24px; flex-wrap: wrap; }
  .steps { flex-direction: column; align-items: center; }
  .step { max-width: 100%; width: 100%; }
  .step-arrow { transform: rotate(90deg); margin: 0; }
  .grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .qualify-inner { grid-template-columns: 1fr; gap: 40px; }
  .about-inner { grid-template-columns: 1fr; gap: 40px; }
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
  .apply-form { padding: 28px 20px; }
  .form-row { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .why-grid { grid-template-columns: 1fr; }
  .hero-stats { flex-direction: column; gap: 12px; }
}

.nav-links.open {
  display: flex; flex-direction: column;
  position: absolute; top: 68px; left: 0; right: 0;
  background: var(--white); padding: 16px 24px 24px;
  border-bottom: 1px solid var(--border);
  box-shadow: 0 8px 24px rgba(0,0,0,0.08); gap: 20px;
}