:root {
  --navy: #3d3228;
  --navy-2: #2c241c;
  --ink: #2c241c;
  --muted: #6f6458;
  --line: #e4d8c6;
  --paper: #f4eee4;
  --white: #fbf7f0;
  --gold: #b7793a;
  --gold-2: #c9924e;
  --warn: #b45309;
  --err: #b42318;
  --blue-soft: #f3ebe0;
  --shadow: 0 14px 40px rgba(61, 50, 40, 0.08);
  --radius: 18px;
  --header-h: 64px;
  --font: "Paperlogy", "Pretendard", -apple-system, BlinkMacSystemFont, "Malgun Gothic", "Apple SD Gothic Neo", sans-serif;
  --fs-110: clamp(32px, 6vw, 88px);
  --fs-64: clamp(28px, 4.44vw, 64px);
  --fs-48: clamp(24px, 3.33vw, 48px);
  --fs-36: clamp(19px, 2.5vw, 36px);
  --fs-32: clamp(19px, 2.22vw, 32px);
  --fs-28: clamp(17px, 1.94vw, 28px);
  --fs-24: clamp(16px, 1.67vw, 24px);
  --fs-20: clamp(15px, 1.39vw, 20px);
  --fs-18: clamp(14px, 1.25vw, 18px);
  --fs-16: clamp(14px, 1.11vw, 16px);
  --fs-14: clamp(13px, 0.97vw, 14px);
}

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

html {
  scroll-behavior: smooth;
  background: var(--paper);
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  font-weight: 400;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.55;
  letter-spacing: -0.03em;
  word-break: keep-all;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font);
  letter-spacing: -0.045em;
  line-height: 1.25;
}

img,
svg {
  max-width: 100%;
}

button,
input,
select,
textarea {
  font: inherit;
}

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

[hidden] {
  display: none !important;
}

.skip-link {
  position: absolute;
  left: 12px;
  top: -40px;
  background: var(--navy);
  color: #fff;
  padding: 8px 12px;
  z-index: 100;
}

.skip-link:focus {
  top: 12px;
}

.container {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.container.narrow {
  width: min(760px, calc(100% - 40px));
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(14px);
}

.header-inner {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  height: var(--header-h);
  gap: 24px;
  width: min(1240px, calc(100% - 48px));
}

.logo {
  display: inline-flex;
  flex-direction: column;
  align-items: flex-start;
  justify-self: start;
  gap: 2px;
  line-height: 1.2;
  color: var(--ink);
  cursor: pointer;
}

.logo-name {
  font-weight: 700;
  font-size: 14px;
  letter-spacing: -0.03em;
  white-space: nowrap;
}

.logo-reg {
  font-weight: 500;
  font-size: 11px;
  letter-spacing: -0.02em;
  color: var(--muted);
  white-space: nowrap;
}

.nav {
  display: flex;
  gap: 28px;
  color: var(--ink);
  font-weight: 500;
  font-size: 14px;
}

.nav a:hover,
.mobile-nav a:hover {
  color: var(--gold);
}

.header-actions {
  display: flex;
  align-items: center;
  justify-self: end;
  gap: 10px;
}

.header-phone {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  min-height: 36px;
  padding: 0 14px;
  border: 1.5px solid var(--gold);
  border-radius: 999px;
  color: var(--gold);
  background: transparent;
  font-weight: 700;
  font-size: 14px;
  letter-spacing: -0.02em;
  white-space: nowrap;
}

.header-phone:hover {
  background: var(--gold);
  color: #fff;
}

.nav-toggle {
  display: none;
  width: 42px;
  height: 42px;
  border: 1px solid var(--line);
  background: var(--white);
  border-radius: 10px;
  padding: 10px;
  flex-direction: column;
  justify-content: space-between;
}

.nav-toggle span {
  display: block;
  height: 2px;
  background: var(--navy);
}

.mobile-nav {
  display: none;
  flex-direction: column;
  padding: 8px 20px 18px;
  gap: 12px;
  font-weight: 700;
  font-size: var(--fs-18);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 18px;
  border-radius: 999px;
  border: 1px solid transparent;
  font-weight: 700;
  font-size: var(--fs-16);
  cursor: pointer;
  transition: background 0.18s ease, color 0.18s ease, border-color 0.18s ease, transform 0.18s ease;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-gold {
  background: var(--gold);
  color: #fff;
}

.btn-gold:hover {
  background: var(--gold-2);
  color: var(--navy);
}

.btn-navy {
  background: var(--navy);
  color: #fff;
}

.btn-navy:hover {
  background: var(--navy-2);
}

.btn-ghost {
  background: transparent;
  border-color: var(--line);
}

.btn-line {
  background: transparent;
  border-color: var(--line);
  color: var(--navy);
}

.hero .btn-line {
  background: transparent;
  color: var(--navy);
  border-color: var(--line);
}

.btn-lg {
  min-height: 56px;
  padding: 0 24px;
  font-size: var(--fs-20);
}

.btn-block {
  width: 100%;
}

.hero {
  position: relative;
  color: var(--ink);
  overflow: hidden;
  padding: clamp(48px, 6vw, 88px) 0 clamp(56px, 7vw, 100px);
  background: var(--paper);
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 88% 8%, rgba(183, 121, 58, 0.16), transparent 32%),
    radial-gradient(circle at 8% 92%, rgba(61, 50, 40, 0.05), transparent 36%);
}

.hero-bg::after {
  display: none;
}

.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
}

.visual-band-grid {
  position: relative;
  display: grid;
  justify-items: center;
  text-align: center;
  gap: 32px;
  max-width: 760px;
  margin: 0 auto;
}

.consult-grid {
  position: relative;
  display: grid;
  gap: 28px;
  justify-items: center;
}

.consult-cta {
  display: flex;
  justify-content: center;
}

.visual-band-grid p {
  margin: 0 auto;
  max-width: 28em;
  color: var(--muted);
  font-size: var(--fs-24);
  line-height: 1.6;
}

.visual-photo {
  width: min(640px, 100%);
}

.hero-art {
  background: transparent;
  overflow: visible;
}

.hero-art img {
  width: 100%;
  display: block;
  background: transparent;
  mix-blend-mode: normal;
  -webkit-mask-image: radial-gradient(ellipse 82% 80% at 50% 52%, #000 46%, transparent 74%);
  mask-image: radial-gradient(ellipse 82% 80% at 50% 52%, #000 46%, transparent 74%);
  animation: float-soft 5.5s ease-in-out infinite;
}

.visual-photo {
  margin: 0;
  border-radius: 24px;
  overflow: hidden;
  border: 1px solid var(--line);
}

.visual-photo img {
  width: 100%;
  height: 100%;
  min-height: 280px;
  object-fit: cover;
  object-position: center 40%;
  display: block;
  filter: sepia(0.22) saturate(0.78) contrast(0.96);
}

.consult-visuals {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  width: 100%;
  margin: 28px 0 0;
}

.consult-visuals figure {
  margin: 0;
}

.consult-visuals img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: contain;
  object-position: center;
  border-radius: 16px;
  display: block;
  background: transparent;
  mix-blend-mode: normal;
}

.consult-visuals figcaption {
  margin-top: 8px;
  font-size: var(--fs-14);
  font-weight: 500;
  color: var(--muted);
  text-align: center;
}

.visual-band-grid > div {
  display: grid;
  justify-items: center;
  gap: 4px;
}

.eyebrow {
  margin: 0 0 10px;
  font-size: var(--fs-24);
  font-weight: 400;
  letter-spacing: -0.04em;
  color: var(--gold);
}

.merits .eyebrow {
  font-size: var(--fs-32);
  font-weight: 500;
}

.hero .eyebrow {
  font-size: var(--fs-24);
  font-weight: 400;
}

.hero h1 {
  margin: 0;
  font-size: var(--fs-110);
  font-weight: 700;
  line-height: 1.14;
  letter-spacing: -0.05em;
}

.section-head h2,
.consult-intro h2,
.visual-band-grid h2 {
  margin: 0;
  font-size: var(--fs-64);
  font-weight: 700;
  line-height: 1.22;
}

.hero h1 em {
  font-style: normal;
  font-weight: 700;
  color: var(--gold-2);
  box-shadow: inset 0 -0.12em 0 rgba(201, 162, 39, 0.28);
}

.lede {
  color: var(--muted);
  font-size: var(--fs-24);
  font-weight: 400;
  line-height: 1.5;
  letter-spacing: -0.045em;
  max-width: 18em;
}

.section-head p,
.consult-intro p {
  color: var(--muted);
  font-size: var(--fs-24);
  font-weight: 400;
  line-height: 1.6;
  max-width: 34em;
  margin-left: auto;
  margin-right: auto;
}

.hero-points {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  padding: 0;
  margin: 22px 0 28px;
  list-style: none;
}

.hero-points li,
.product-tag {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 8px 14px;
  font-size: var(--fs-16);
  font-weight: 500;
}

.hero-tiles {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 10px;
  max-width: 520px;
}

.hero-tile {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 132px;
  padding: 16px 8px 14px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 18px;
  box-shadow: var(--shadow);
  color: var(--navy);
  font: inherit;
  font-size: 13px;
  font-weight: 700;
  line-height: 1.35;
  letter-spacing: -0.03em;
  text-align: center;
  cursor: pointer;
  transition: transform 0.18s ease, border-color 0.18s ease, box-shadow 0.18s ease;
}

.hero-tile-icon {
  width: 44px;
  height: 44px;
  color: var(--navy);
}

.hero-tile-icon svg {
  display: block;
  width: 100%;
  height: 100%;
}

.hero-tile:hover {
  transform: translateY(-2px);
  border-color: var(--gold);
}

.hero-tile[data-select-loan="plate"] {
  background: #d6e6fb;
  border-color: #c3d8f3;
}

.hero-tile[data-select-loan="auto"] {
  background: #d3efe3;
  border-color: #bfe3d3;
}

.hero-tile[data-select-loan="home"] {
  background: #f3ead6;
  border-color: #e4d7be;
}

.hero-tile[data-select-loan="credit"] {
  background: #ddd8e4;
  border-color: #cdc7d5;
}

.hero-cert {
  display: grid;
  grid-template-columns: 1fr auto 1.15fr;
  align-items: center;
  gap: 12px 16px;
  margin-top: 14px;
  padding: 16px 18px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 18px;
  box-shadow: var(--shadow);
  text-align: left;
}

.hero-cert-official {
  display: grid;
  grid-template-columns: 56px minmax(0, 1fr);
  align-items: center;
  gap: 10px;
}

.hero-cert-title {
  margin: 0 0 4px;
  color: var(--navy);
  font-size: 15px;
  font-weight: 700;
  letter-spacing: -0.03em;
}

.hero-cert-seal {
  width: 56px;
  height: 56px;
  object-fit: contain;
}

.hero-cert-copy p,
.hero-cert-meta p {
  margin: 0;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.45;
}

.hero-cert-badge {
  width: 72px;
  padding: 0;
  border: 0;
  background: transparent;
  cursor: pointer;
}

.hero-cert-badge img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: 8px;
}

.hero-cert-meta a {
  display: inline-block;
  margin-top: 6px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 700;
}

.hero-cert-meta a:hover {
  color: var(--navy);
}

.counsel-band {
  padding-top: clamp(12px, 2vw, 28px);
}

.counsel-band-grid {
  display: grid;
  grid-template-columns: 0.95fr 1.15fr 1fr;
  align-items: center;
  gap: 20px 28px;
}

.counsel-band-copy {
  text-align: left;
}

.counsel-band-copy h2 {
  margin: 0 0 14px;
  font-size: var(--fs-36);
  font-weight: 700;
  line-height: 1.28;
}

.counsel-band-copy p {
  margin: 0;
  color: var(--muted);
  font-size: var(--fs-18);
  line-height: 1.6;
  max-width: 16em;
}

.counsel-band-art {
  position: relative;
  margin: 0;
}

.counsel-band-art img {
  width: 100%;
  display: block;
}

.speech {
  position: absolute;
  z-index: 1;
  padding: 8px 12px;
  border-radius: 14px;
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  line-height: 1.35;
  text-align: center;
  box-shadow: 0 8px 18px rgba(61, 50, 40, 0.12);
}

.speech-left {
  top: 12%;
  left: 0;
  background: #8d6238;
}

.speech-right {
  top: 16%;
  right: 0;
  background: #b7793a;
}

.counsel-band-pills {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

.counsel-band-pills li {
  display: flex;
  align-items: center;
  gap: 8px;
  min-height: 52px;
  padding: 10px 14px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 999px;
  font-size: 13px;
  font-weight: 700;
  line-height: 1.35;
  box-shadow: var(--shadow);
}

.counsel-band-pills li::before {
  content: "✓";
  flex: none;
  color: var(--gold);
  font-weight: 800;
}

.hero-panel {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
}

.hero-panel h2 {
  margin: 6px 0 10px;
  font-size: var(--fs-32);
  font-weight: 700;
  letter-spacing: -0.04em;
}

.hero-panel p,
.hero-mini-steps {
  color: var(--muted);
  font-size: var(--fs-16);
  line-height: 1.55;
}

.hero-panel-kicker {
  margin: 0;
  color: var(--gold);
  font-size: var(--fs-14);
  font-weight: 700;
  letter-spacing: 0.08em;
}

.hero-mini-steps {
  padding-left: 18px;
}

.hero-mini-steps li + li {
  margin-top: 6px;
}

.section {
  padding: clamp(52px, 6.6vw, 120px) 0;
}

.section-head {
  text-align: center;
  margin: 0 auto 48px;
  max-width: 34em;
}

.section-head p,
.consult-intro p,
.consult-notes,
.product-body p,
.merit-grid p,
.process-list p,
.faq-list p {
  color: var(--muted);
}

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

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

.product-card,
.merit-grid article,
.apply-form,
.faq-list details,
.hero-panel {
  box-shadow: var(--shadow);
}

.product-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 24px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform 0.28s ease, box-shadow 0.28s ease;
}

.product-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 44px rgba(61, 50, 40, 0.12);
}

.product-visual {
  height: 240px;
  display: grid;
  place-items: center;
  position: relative;
  color: #fff;
  overflow: hidden;
}

.product-visual img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  transform: scale(1.04);
  transition: transform 0.7s ease;
  filter: sepia(0.2) saturate(0.8) contrast(0.96);
}

.product-card:hover .product-visual img {
  transform: scale(1.1);
}

.product-visual::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(180deg, rgba(61, 50, 40, 0.06) 18%, rgba(61, 50, 40, 0.55) 100%),
    linear-gradient(90deg, rgba(183, 121, 58, 0.12), transparent 55%);
  z-index: 1;
}

.product-visual-car,
.product-visual-home,
.product-visual-credit {
  background: var(--navy);
}

.product-tag {
  position: absolute;
  top: 16px;
  left: 16px;
  z-index: 2;
  background: rgba(255, 255, 255, 0.16);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.28);
  letter-spacing: 0.12em;
}

.product-caption {
  position: absolute;
  left: 18px;
  right: 18px;
  bottom: 16px;
  z-index: 2;
  margin: 0;
  font-size: var(--fs-20);
  font-weight: 700;
  letter-spacing: -0.03em;
  color: rgba(255, 255, 255, 0.92);
}

.product-body {
  padding: 24px 24px 28px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  flex: 1;
}

.product-body h3,
.merit-grid h3,
.process-list strong {
  margin: 0;
  font-size: var(--fs-24);
  font-weight: 700;
  letter-spacing: -0.04em;
}

.product-body ul {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 8px;
}

.product-body p,
.merit-grid p,
.process-list p {
  font-size: var(--fs-16);
  line-height: 1.55;
}

.product-body li {
  position: relative;
  padding-left: 22px;
  color: var(--muted);
  font-size: var(--fs-16);
}

.product-body li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 8px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
}

.product-body .btn {
  margin-top: auto;
  align-self: center;
}

.merits {
  padding-top: 0;
}

.merit-grid article {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 28px 24px;
  border-radius: 20px;
  text-align: center;
}

.merit-grid span {
  display: block;
  color: var(--gold);
  font-size: var(--fs-20);
  font-weight: 700;
  margin-bottom: 10px;
}

.process {
  background: var(--paper);
}

.process-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.process-list li {
  padding: 22px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 16px;
  border-top: 3px solid var(--gold);
  text-align: center;
}

.cases-top {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 16px 24px;
  margin-bottom: 36px;
}

.cases-top .section-head {
  margin: 0;
  padding: 0;
  max-width: none;
  text-align: left;
}

.cases-top .section-head h2 {
  max-width: 14em;
  word-break: keep-all;
  overflow-wrap: normal;
  line-height: 1.28;
}

.cases-top .section-head p {
  max-width: 36em;
  margin-left: 0;
  margin-right: 0;
}

.case-nav {
  position: static;
  display: flex;
  gap: 8px;
}

.case-nav-btn {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--ink);
  display: grid;
  place-items: center;
  cursor: pointer;
  box-shadow: var(--shadow);
}

.case-nav-btn:hover {
  border-color: var(--gold);
  color: var(--gold);
}

.case-viewport {
  overflow: hidden;
}

.case-track {
  display: flex;
  gap: 16px;
  width: max-content;
  will-change: transform;
}

.case-card {
  flex: none;
  width: min(320px, calc(100vw - 72px));
  text-align: left;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 22px 20px 20px;
  box-shadow: var(--shadow);
}

.case-card header {
  margin-bottom: 10px;
}

.case-card header strong {
  display: block;
  font-size: var(--fs-20);
}

.case-card header span {
  display: block;
  margin-top: 4px;
  color: var(--gold);
  font-size: var(--fs-14);
  font-weight: 700;
}

.case-card p {
  margin: 0;
  color: var(--muted);
  font-size: var(--fs-16);
  line-height: 1.6;
}

.case-amount {
  margin-top: 16px !important;
  color: var(--gold) !important;
  font-weight: 700;
}

.case-amount b {
  display: block;
  margin-top: 2px;
  font-size: var(--fs-24);
  color: var(--ink);
}

.case-meta {
  margin-top: 8px !important;
  font-size: var(--fs-14) !important;
}

.consult {
  background: var(--paper);
}

.consult-intro {
  text-align: center;
  max-width: none;
}

.consult-intro h2 {
  font-size: var(--fs-48);
}

.consult-intro p {
  max-width: 22em;
}

.consult-notes {
  margin: 20px auto 0;
  display: grid;
  gap: 8px;
  max-width: 22em;
  text-align: left;
  font-size: var(--fs-16);
  line-height: 1.6;
}

.apply-form {
  width: 100%;
  text-align: left;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
  overflow: hidden;
}

.form-banner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 58px;
  border-bottom: 1px solid var(--line);
  background: var(--paper);
}

.form-banner h3 {
  margin: 0;
  font-size: var(--fs-20);
  font-weight: 700;
  letter-spacing: -0.03em;
}

.form-banner-icon {
  color: var(--navy);
  display: grid;
  place-items: center;
}

.apply-form .form-block,
.apply-form .form-row,
.apply-form .collateral-box,
.apply-form .privacy-box,
.apply-form .agree,
.apply-form .btn-submit,
.apply-form .form-error,
.apply-form fieldset.form-block {
  margin: 0 22px;
}

.apply-form > .form-block:first-of-type,
.apply-form > fieldset.form-block:first-of-type {
  margin-top: 18px;
}

.form-block {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 16px !important;
}

.form-block label,
.form-block legend {
  font-size: var(--fs-16);
  font-weight: 700;
}

fieldset {
  border: 0;
  padding: 0;
  min-width: 0;
}

input,
select,
textarea {
  width: 100%;
  min-height: 48px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 0 12px;
  background: var(--white);
  color: var(--ink);
  font-size: 16px;
}

textarea {
  min-height: 88px;
  padding: 12px;
  resize: vertical;
  line-height: 1.5;
}

input:focus,
select:focus,
textarea:focus {
  outline: 2px solid rgba(183, 121, 58, 0.35);
  border-color: var(--gold);
}

input:disabled {
  background: #f3ebe0;
  color: #98a0ab;
}

.radio-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px 22px;
}

.radio {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 500;
  font-size: var(--fs-16);
  cursor: pointer;
}

.radio input,
.agree input {
  width: 18px;
  height: 18px;
  min-height: 0;
  accent-color: var(--gold);
}

.form-row {
  display: grid;
  gap: 12px;
}

.form-row.two {
  grid-template-columns: 1fr 1fr;
}

.apply-form.is-home .form-row .form-block,
.apply-form.is-credit .form-row .form-block {
  margin-left: 0;
  margin-right: 0;
  margin-top: 0 !important;
}

.apply-form.is-auto .form-pair-contact {
  display: contents;
}

.apply-form.is-home .form-pair-contact,
.apply-form.is-credit .form-pair-contact {
  margin-top: 10px;
}

.job-pack:has([data-biz-only]:not([hidden])) {
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
}

.job-pack:has([data-biz-only]:not([hidden])) > .form-block:first-child {
  grid-column: 1 / -1;
}

.job-pack:has([data-income-only][hidden]):not(:has([data-biz-only]:not([hidden]))) {
  grid-template-columns: 1fr;
}

.owner-inline-row {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  gap: 10px;
  align-items: center;
}

.apply-form.is-home #jointName:disabled {
  display: none;
}

.form-row.three {
  grid-template-columns: 0.9fr 0.9fr 1.2fr;
}

.field-warn {
  margin: 0;
  color: var(--warn);
  font-size: var(--fs-14);
  font-weight: 500;
}

.collateral-box {
  margin-top: 18px !important;
  padding: 16px;
  border: 1px solid var(--line);
  background: var(--paper);
}

.collateral-box .form-block {
  margin: 0 !important;
}

.collateral-box .form-block + .form-block {
  margin-top: 14px !important;
}

.address-row {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  align-items: stretch;
  gap: 8px;
}

.address-row .btn {
  width: 100%;
  min-height: 48px;
  height: 48px;
  padding: 0 12px;
  border-radius: 12px;
}

.privacy-box {
  margin-top: 18px !important;
  padding: 16px;
  border: 1px solid var(--line);
  background: var(--paper);
  font-size: var(--fs-16);
  line-height: 1.6;
}

.privacy-box strong {
  display: block;
  margin-bottom: 8px;
}

.privacy-scroll {
  max-height: 220px;
  overflow-y: auto;
  padding-right: 8px;
}

.privacy-box p {
  margin: 0 0 8px;
}

.privacy-box .privacy-h {
  margin: 12px 0 6px;
  font-weight: 700;
}

.privacy-box ul {
  margin: 0 0 8px;
  padding-left: 18px;
}

.text-link {
  margin-top: 8px;
  border: 0;
  background: none;
  padding: 0;
  color: var(--navy);
  font-weight: 700;
  text-decoration: underline;
  cursor: pointer;
}

.agree {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-top: 16px !important;
  font-weight: 700;
  font-size: var(--fs-16);
}

.agree em {
  font-style: normal;
  color: var(--err);
}

.form-error {
  margin-top: 12px !important;
  color: var(--err);
  font-weight: 700;
  font-size: var(--fs-16);
}

.btn-submit {
  width: calc(100% - 44px);
  margin: 18px 22px 24px !important;
  min-height: 58px;
  border: 0;
  border-radius: 6px;
  background: var(--navy);
  color: #fff;
  font-size: var(--fs-20);
  font-weight: 700;
  letter-spacing: -0.03em;
}

.btn-submit:hover {
  filter: brightness(1.08);
}

.btn-submit:disabled {
  opacity: 0.7;
  cursor: wait;
  filter: none;
}

.form-block.is-active input,
.form-block.is-active .address-row input {
  border-color: var(--navy);
  background: #f6efe4;
}

.form-block.is-dim {
  opacity: 0.55;
}

.apply-form.is-auto [data-home-only],
.apply-form.is-auto [data-credit-only],
.apply-form.is-auto [data-shared-detail],
.apply-form.is-auto:not(.is-vehicle) [data-carrier-row],
.apply-form.is-auto:not(.is-vehicle) [data-job-pack],
.apply-form.is-home [data-auto-only],
.apply-form.is-home [data-credit-only],
.apply-form.is-home [data-auto-nationality],
.apply-form.is-credit [data-auto-only],
.apply-form.is-credit [data-home-only],
.apply-form.is-credit [data-auto-nationality],
.apply-form.is-home .field-icon,
.apply-form.is-credit .field-icon {
  display: none !important;
}

.apply-form.is-auto,
.apply-form.is-home,
.apply-form.is-credit {
  display: flex;
  flex-direction: column;
  border-radius: 28px;
  border-color: var(--line);
  box-shadow: 0 22px 50px rgba(61, 50, 40, 0.1);
  overflow: hidden;
}

.apply-form.is-plate {
  display: grid;
  grid-template-columns: 1fr 1fr;
  column-gap: 8px;
  align-items: stretch;
  padding: 0;
}

.apply-form.is-plate > * {
  grid-column: 1 / -1;
}

.apply-form.is-plate .form-pair-contact {
  display: contents;
}

.apply-form.is-plate .field-name {
  grid-column: 1;
  order: 2;
  margin: 12px 0 0 22px !important;
}

.apply-form.is-plate .field-car {
  grid-column: 2;
  order: 2;
  margin: 12px 22px 0 0 !important;
}

.apply-form.is-plate .field-phone {
  grid-column: 1 / -1;
  order: 3;
  margin: 12px 22px 0 !important;
}

.apply-form.is-plate .consult-simple-head {
  order: 0;
}

.apply-form.is-plate .loan-type-block {
  order: 1;
}

.apply-form.is-plate .agree-bar {
  order: 4;
  margin-right: 0;
}

.apply-form.is-plate .form-error {
  order: 5;
}

.apply-form.is-plate .plate-action-grid {
  display: grid;
  grid-template-columns: 56px minmax(0, 1fr);
  gap: 8px;
  align-items: center;
  grid-column: 1 / -1;
  order: 6;
  margin: 14px 22px 8px;
}

.apply-form.is-plate #submit-btn {
  display: none !important;
}

.apply-form.is-plate .btn-plate-side {
  width: 100%;
  min-height: 56px !important;
  height: 56px;
  margin: 0 !important;
  padding: 0 16px;
  border-radius: 999px !important;
  font-size: 16px;
  font-weight: 800;
  letter-spacing: -0.03em;
}

.apply-form.is-quick .consult-form-note,
.apply-form.is-quick .field-car {
  display: none !important;
}

.apply-form.is-locked .loan-type-block {
  display: none !important;
}

.apply-form.is-auto .loan-type-block,
.apply-form.is-home .loan-type-block,
.apply-form.is-credit .loan-type-block {
  order: -1;
  margin: 0 !important;
  padding: 12px 22px 8px;
  border-bottom: 1px solid var(--line);
}

.apply-form.is-plate .loan-type-block {
  order: 1;
}

.apply-form.is-auto .loan-type-block legend,
.apply-form.is-home .loan-type-block legend,
.apply-form.is-credit .loan-type-block legend {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
}

.auto-extra-fields {
  display: contents;
}

.apply-form.is-vehicle .auto-extra-fields {
  display: grid;
  gap: 10px;
  margin: 12px 22px 0;
}

.apply-form.is-vehicle .auto-extra-fields .form-row {
  margin: 0;
}

.apply-form.is-vehicle .auto-extra-fields .form-block {
  margin: 0;
  gap: 6px;
}

.apply-form.is-vehicle .auto-extra-fields label,
.apply-form.is-vehicle .auto-extra-fields legend {
  font-size: 13px;
}

.apply-form.is-vehicle .auto-extra-fields input,
.apply-form.is-vehicle .auto-extra-fields select {
  min-height: 48px;
  height: 48px;
  border-radius: 12px;
  font-size: 16px;
}

.apply-form.is-vehicle .job-pack .radio-row {
  flex-wrap: nowrap;
}

.apply-form.is-vehicle [data-carrier-row]:has([data-credit-only][hidden]) {
  grid-template-columns: 1fr;
}

.apply-form.is-auto .nationality-row {
  margin-top: 10px !important;
}

.apply-form.is-auto .nationality-row legend {
  font-size: 13px;
}

.apply-form.is-auto .nationality-row .radio-row {
  gap: 16px 22px;
}

.apply-form.is-auto .loan-type-block .radio-row,
.apply-form.is-home .loan-type-block .radio-row,
.apply-form.is-credit .loan-type-block .radio-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  justify-items: start;
  gap: 8px 12px;
}

.apply-form.is-auto .radio input,
.apply-form.is-auto .agree input,
.apply-form.is-home .radio input,
.apply-form.is-home .agree input,
.apply-form.is-credit .radio input,
.apply-form.is-credit .agree input {
  accent-color: var(--gold);
}

.consult-simple-head {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 8px;
  align-items: center;
  padding: 18px 22px 10px;
}

.consult-brand {
  margin: 0 0 8px;
  color: var(--gold);
  font-size: 13px;
  font-weight: 700;
}

.consult-simple-copy h3 {
  margin: 0;
  font-size: clamp(24px, 3vw, 32px);
  line-height: 1.25;
  color: var(--ink);
}

.consult-simple-copy h3 em {
  font-style: normal;
  color: var(--gold);
}

.consult-simple-copy p {
  margin: 8px 0 0;
  color: var(--muted);
  font-size: 14px;
}

.consult-simple-art svg {
  width: 100%;
  max-width: 180px;
  display: block;
  margin-left: auto;
}

.apply-form.is-auto .consult-simple-head,
.apply-form.is-home .consult-simple-head,
.apply-form.is-credit .consult-simple-head {
  border-bottom: 1px solid var(--line);
  padding-bottom: 16px;
}

.apply-form.is-auto .icon-field {
  position: relative;
  margin-top: 12px !important;
}

.apply-form.is-auto .icon-field > label {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
}

.apply-form.is-auto .field-icon {
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: #b3a595;
  display: grid;
  place-items: center;
  pointer-events: none;
}

.apply-form.is-auto .icon-field:has(textarea) .field-icon {
  top: 18px;
  transform: none;
}

.apply-form.is-auto .icon-field input,
.apply-form.is-auto .icon-field textarea,
.apply-form.is-auto .icon-field select {
  min-height: 56px;
  padding-left: 48px;
  border: 0;
  border-radius: 999px;
  background: var(--paper);
  color: var(--ink);
  font-size: 16px;
}

.apply-form.is-auto .icon-field select {
  appearance: none;
  background-color: var(--paper);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%236f6458' stroke-width='1.6' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 18px center;
  padding-right: 42px;
}

.apply-form.is-auto .icon-field textarea {
  min-height: 92px;
  border-radius: 22px;
  padding-top: 16px;
  padding-right: 16px;
}

.apply-form.is-auto .icon-field input:focus,
.apply-form.is-auto .icon-field textarea:focus,
.apply-form.is-auto .icon-field select:focus {
  outline: 2px solid rgba(183, 121, 58, 0.35);
  background-color: #f7f1e6;
}

.apply-form.is-plate .field-icon,
.apply-form.is-vehicle .field-icon {
  display: none !important;
}

.apply-form.is-plate .icon-field input,
.apply-form.is-vehicle .icon-field input {
  min-height: 48px;
  height: 48px;
  padding: 0 14px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--white);
}

.apply-form.is-plate .icon-field input:focus,
.apply-form.is-vehicle .icon-field input:focus {
  outline: 2px solid rgba(183, 121, 58, 0.35);
  background: var(--white);
}

.apply-form.is-auto .form-block,
.apply-form.is-home .form-block,
.apply-form.is-credit .form-block,
.apply-form.is-vehicle .form-block {
  position: relative;
  gap: 6px;
  margin-top: 12px !important;
}

.apply-form.is-auto .form-block:not(.loan-type-block) > label,
.apply-form.is-home .form-block:not(.loan-type-block) > label,
.apply-form.is-credit .form-block:not(.loan-type-block) > label,
.apply-form.is-auto .form-block:not(.loan-type-block) > legend,
.apply-form.is-home .form-block:not(.loan-type-block) > legend,
.apply-form.is-credit .form-block:not(.loan-type-block) > legend {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.apply-form.is-home [data-carrier-row]:has([data-credit-only][hidden]) {
  grid-template-columns: 1fr;
}

.apply-form.is-home .form-row,
.apply-form.is-credit .form-row,
.apply-form.is-vehicle .form-row {
  margin-top: 12px;
  gap: 8px;
}

.apply-form.is-home .form-row .form-block,
.apply-form.is-credit .form-row .form-block {
  margin-top: 0 !important;
}

.apply-form.is-home .form-block label,
.apply-form.is-home .form-block legend,
.apply-form.is-credit .form-block label,
.apply-form.is-credit .form-block legend,
.apply-form.is-vehicle .form-block label,
.apply-form.is-vehicle .form-block legend {
  min-height: 20px;
  font-size: 13px;
  line-height: 1.4;
}

.apply-form.is-home input:not([type="checkbox"]):not([type="radio"]),
.apply-form.is-home select,
.apply-form.is-credit input:not([type="checkbox"]):not([type="radio"]),
.apply-form.is-credit select,
.apply-form.is-vehicle input:not([type="checkbox"]):not([type="radio"]),
.apply-form.is-vehicle select,
.apply-form.is-home .address-row .btn,
.apply-form.is-credit .address-row .btn {
  box-sizing: border-box;
  min-height: 48px;
  height: 48px;
  border-radius: 12px;
  font-size: 16px;
}

.apply-form.is-home .radio,
.apply-form.is-credit .radio {
  font-size: 14px;
}

.apply-form.is-home .radio-row,
.apply-form.is-credit .radio-row {
  gap: 8px 12px;
}

.apply-form.is-home .collateral-box {
  margin-top: 12px !important;
  padding: 0;
  border: 0;
  background: transparent;
}

.apply-form.is-home .field-warn {
  font-size: 12px;
}

.apply-form.is-home .job-pack .radio-row,
.apply-form.is-credit .job-pack .radio-row,
.apply-form.is-credit [data-credit-only] .radio-row,
.apply-form.is-vehicle .job-pack .radio-row {
  flex-wrap: wrap;
  align-items: center;
  min-height: 48px;
  gap: 12px 20px;
}

.apply-form.is-auto .agree-bar,
.apply-form.is-home .agree-bar,
.apply-form.is-credit .agree-bar {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 8px 12px;
  margin: 14px 22px 0;
}

.apply-form.is-auto .agree,
.apply-form.is-home .agree,
.apply-form.is-credit .agree {
  display: flex;
  flex-direction: row;
  flex-wrap: nowrap;
  align-items: center;
  margin: 0 !important;
  font-size: 14px;
  color: var(--ink);
}

.apply-form.is-auto .agree input,
.apply-form.is-home .agree input,
.apply-form.is-credit .agree input {
  flex: 0 0 18px;
  width: 18px;
  height: 18px;
  min-width: 18px;
  min-height: 18px;
  margin: 0;
  border-radius: 3px;
}

.apply-form.is-auto .agree span,
.apply-form.is-home .agree span,
.apply-form.is-credit .agree span {
  flex: 1 1 auto;
  min-width: 0;
  line-height: 1.4;
}

.apply-form.is-auto .agree-detail,
.apply-form.is-home .agree-detail,
.apply-form.is-credit .agree-detail {
  margin: 0;
  color: var(--muted);
  font-size: 13px;
  font-weight: 600;
  text-decoration: none;
  white-space: nowrap;
}

.plate-action-grid {
  display: contents;
}

.btn-quick-open {
  border-radius: 999px;
  font-size: 16px;
  font-weight: 800;
}

.form-submit-row {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 14px 22px 8px;
}

.form-submit-row .btn-submit {
  flex: 1;
  margin: 0 !important;
}

.btn-call-circle {
  flex: 0 0 56px;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: grid;
  place-items: center;
  text-decoration: none;
  box-shadow: 0 6px 16px rgba(61, 50, 40, 0.18);
}

.btn-call-circle:hover,
.btn-call-circle:active {
  background: var(--navy-2);
  color: #fff;
}

.apply-form.is-vehicle [data-plate-only],
.apply-form.is-home [data-plate-only],
.apply-form.is-credit [data-plate-only] {
  display: none !important;
}

.apply-form.is-auto .btn-submit,
.apply-form.is-home .btn-submit,
.apply-form.is-credit .btn-submit {
  margin: 14px 22px 16px !important;
  min-height: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--navy);
  font-size: 16px;
}

.apply-form.is-auto .form-submit-row .btn-submit,
.apply-form.is-home .form-submit-row .btn-submit,
.apply-form.is-credit .form-submit-row .btn-submit {
  margin: 0 !important;
}

.consult-form-note {
  margin: 0 22px 22px;
  text-align: center;
  color: var(--muted);
  font-size: 13px;
}

.faq-list {
  display: grid;
  gap: 10px;
}

.faq-list details {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 4px 18px 8px;
}

.faq-list summary {
  cursor: pointer;
  font-weight: 700;
  font-size: var(--fs-20);
  line-height: 1.35;
  padding: 16px 0;
  list-style: none;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-list p {
  margin: 0 0 14px;
  font-size: var(--fs-16);
  line-height: 1.6;
}

.site-footer {
  background: var(--paper);
  color: var(--muted);
  padding: 48px 0 110px;
  border-top: 1px solid var(--line);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 28px;
  font-size: var(--fs-16);
  line-height: 1.65;
}

.site-footer .logo {
  font-size: var(--fs-24);
  color: var(--ink);
}

.footer-copy {
  margin: 8px 0 14px;
  color: var(--muted);
}

.footer-docs {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 10px;
}

.footer-docs .text-link {
  margin-top: 0;
}

.footer-verify {
  display: grid;
  justify-items: center;
  gap: 8px;
  margin-bottom: 24px;
  padding: 18px 16px;
  text-align: center;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
}

.footer-verify p {
  margin: 0;
  color: var(--ink);
  font-size: var(--fs-18);
  font-weight: 700;
  line-height: 1.45;
}

.footer-verify strong {
  color: var(--gold);
}

.footer-verify a {
  color: var(--navy);
  font-size: var(--fs-16);
  font-weight: 700;
  text-decoration: underline;
}

.footer-verify a:hover {
  color: var(--gold);
}

.footer-info p {
  display: grid;
  grid-template-columns: 9.2em minmax(0, 1fr);
  gap: 0 10px;
  margin: 0 0 8px;
  align-items: start;
}

.footer-info b {
  color: var(--ink);
  font-weight: 700;
  word-break: keep-all;
}

.footer-info p > span {
  min-width: 0;
  word-break: keep-all;
  overflow-wrap: anywhere;
}

.footer-info a {
  color: var(--navy);
  font-weight: 700;
  text-decoration: underline;
}

.footer-info a[href^="tel:"],
.footer-info a[href^="sms:"] {
  white-space: nowrap;
}

.site-footer .text-link {
  color: var(--navy);
}

.modal-card-cert {
  width: min(720px, calc(100% - 32px));
}

.cert-image {
  width: 100%;
  display: block;
  border: 1px solid var(--line);
  background: #fff;
}

.legal {
  padding-top: 8px;
  border-top: 1px solid var(--line);
  font-size: 11px;
  line-height: 1.65;
  color: #9a8d80;
}

.legal-title {
  margin: 0 0 8px;
  font-size: 11px;
  font-weight: 700;
  color: #7d7164;
}

.legal ul {
  margin: 0;
  padding-left: 1.15em;
}

.legal li + li {
  margin-top: 3px;
}

.sticky-bar {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  display: none;
  flex-direction: column;
  gap: 8px;
  padding: 10px 12px calc(10px + env(safe-area-inset-bottom));
  background: rgba(251, 247, 240, 0.96);
  border-top: 1px solid var(--line);
  box-shadow: 0 -10px 28px rgba(61, 50, 40, 0.08);
  z-index: 40;
}

.sticky-bar-row {
  display: flex;
  gap: 8px;
}

.sticky-bar .btn {
  min-height: 44px;
  padding: 0 8px;
  font-size: 14px;
  border-radius: 12px;
}

.sticky-bar-row .btn {
  flex: 1;
}

.sticky-bar .btn-phone {
  background: rgba(79, 126, 181, 0.68);
  border: 1.5px solid rgba(79, 126, 181, 0.55);
  color: #3d3228;
}

.sticky-bar .btn-phone:hover,
.sticky-bar .btn-phone:active {
  background: rgba(63, 106, 155, 0.88);
  border-color: rgba(63, 106, 155, 0.75);
  color: #3d3228;
}

.sticky-bar .btn-sms {
  background: rgba(224, 179, 58, 0.68);
  border: 1.5px solid rgba(224, 179, 58, 0.55);
  color: #3d3228;
}

.sticky-bar .btn-sms:hover,
.sticky-bar .btn-sms:active {
  background: rgba(201, 154, 40, 0.88);
  border-color: rgba(201, 154, 40, 0.75);
  color: #3d3228;
}

.sticky-bar .btn-talk {
  background: rgba(95, 154, 92, 0.68);
  border: 1.5px solid rgba(95, 154, 92, 0.55);
  color: #3d3228;
}

.sticky-bar .btn-talk:hover,
.sticky-bar .btn-talk:active {
  background: rgba(77, 131, 75, 0.88);
  border-color: rgba(77, 131, 75, 0.75);
  color: #3d3228;
}

.sticky-bar .btn-gold {
  width: 100%;
  min-height: 54px;
  font-size: 16px;
  font-weight: 800;
  letter-spacing: -0.03em;
  background: #c41e1e;
  border: 2px solid #1a1a1a;
  color: #fff;
  box-shadow: 0 6px 18px rgba(196, 30, 30, 0.36);
}

.sticky-bar .btn-gold:hover,
.sticky-bar .btn-gold:active {
  background: #a81818;
  border-color: #111;
  color: #fff;
}

.modal[hidden] {
  display: none;
}

.modal {
  position: fixed;
  inset: 0;
  z-index: 80;
}

#consult-modal:not([hidden]) {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px 16px;
}

.modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(8, 16, 28, 0.55);
}

.modal-card {
  position: relative;
  width: min(560px, calc(100% - 32px));
  max-height: calc(100vh - 40px);
  overflow: auto;
  margin: 20px auto;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 28px;
}

.modal-card-consult {
  width: min(560px, 100%);
  max-height: min(86vh, 780px);
  margin: 0;
  padding: 0;
  background: transparent;
  border: 0;
  overflow: auto;
  border-radius: 20px;
  animation: fade-in 0.22s ease;
}

.modal-card-consult .apply-form {
  box-shadow: 0 22px 50px rgba(61, 50, 40, 0.16);
  border-radius: 20px;
}

.modal-card-consult .consult-simple-art,
.modal-card-consult .consult-brand,
.modal-card-consult .consult-form-note,
.modal-card-consult .field-warn {
  display: none;
}

.modal-card-consult .consult-simple-head {
  grid-template-columns: 1fr;
  padding: 14px 22px 4px;
}

.modal-card-consult .consult-simple-copy h3 {
  font-size: 22px;
}

.modal-card-consult .consult-simple-copy p {
  margin-top: 4px;
}

.modal-card-consult .loan-type-block {
  margin-top: 8px;
}

.modal-card-consult .btn-submit {
  margin: 14px 22px 16px !important;
  min-height: 48px;
  height: 48px;
  border-radius: 12px;
}

.modal-card-consult .btn-plate-side {
  margin: 0 !important;
}

.modal-card-consult .form-submit-row .btn-submit {
  margin: 0 !important;
}

.modal-card-consult .modal-close {
  z-index: 2;
  width: 48px;
  height: 48px;
  border-radius: 999px;
  background: var(--white);
  color: var(--navy);
  font-size: 40px;
  font-weight: 800;
  line-height: 1;
  -webkit-text-stroke: 0.8px currentColor;
}

.modal-card-consult p {
  color: inherit;
  font-size: inherit;
}

#success-modal,
#cert-modal {
  z-index: 90;
}

#privacy-modal {
  z-index: 95;
}

body.modal-open {
  overflow: hidden;
}

.modal-close {
  position: absolute;
  top: 8px;
  right: 10px;
  border: 0;
  background: none;
  font-size: 36px;
  font-weight: 800;
  line-height: 1;
  cursor: pointer;
}

.modal-card h2 {
  margin: 0 0 12px;
  font-size: var(--fs-24);
  font-weight: 700;
}

.modal-card p {
  font-size: var(--fs-16);
  line-height: 1.6;
  color: var(--muted);
}

.modal-body {
  font-size: var(--fs-16);
  line-height: 1.75;
  color: var(--muted);
}

.modal-body h3 {
  margin: 18px 0 6px;
  font-size: var(--fs-18);
  font-weight: 700;
  color: var(--ink);
}

@media (max-width: 900px) {
  :root {
    --header-h: 56px;
  }

  body {
    padding-bottom: 118px;
  }

  .hero {
    padding: 14px 0 18px;
  }

  .hero .eyebrow {
    margin: 0 0 6px;
    font-size: 14px;
  }

  .hero h1 {
    font-size: 28px;
    line-height: 1.2;
  }

  .lede {
    margin: 6px 0 0;
    font-size: 14px;
    line-height: 1.45;
    max-width: 22em;
  }

  .hero-grid {
    gap: 16px;
  }

  .hero-points {
    margin: 10px 0 12px;
    gap: 6px;
  }

  .hero-points li {
    padding: 5px 10px;
    font-size: 12px;
  }

  .hero-tiles {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    max-width: 340px;
    gap: 8px;
  }

  .hero-tile {
    min-height: 102px;
    padding: 10px 6px 8px;
    gap: 6px;
    border-radius: 16px;
    font-size: 12px;
  }

  .hero-tile-icon {
    width: 32px;
    height: 32px;
  }

  .hero-cert {
    margin-top: 12px;
    padding: 12px 14px;
  }

  .sticky-bar {
    gap: 6px;
    padding: 8px 10px calc(8px + env(safe-area-inset-bottom));
  }

  .sticky-bar .btn {
    min-height: 40px;
    font-size: 13px;
  }

  .sticky-bar .btn-gold {
    min-height: 48px;
    font-size: 15px;
  }

  body.modal-open .sticky-bar {
    display: none;
  }

  .nav {
    display: none;
  }

  .nav-toggle,
  .mobile-nav.open,
  .sticky-bar {
    display: flex;
  }

  .header-inner {
    grid-template-columns: 1fr auto;
    width: min(1240px, calc(100% - 28px));
  }

  .header-phone {
    min-height: 34px;
    padding: 0 12px;
    font-size: 13px;
  }

  #consult-modal:not([hidden]) {
    align-items: flex-end;
    padding: 0;
  }

  .modal-card-consult {
    width: 100%;
    max-height: min(82vh, 720px);
    border-radius: 20px 20px 0 0;
    animation: sheet-up 0.28s ease;
  }

  .modal-card-consult .apply-form {
    border-radius: 20px 20px 0 0;
    box-shadow: 0 -10px 32px rgba(61, 50, 40, 0.16);
  }

  .cases-top {
    display: block;
    padding-bottom: 56px;
  }

  .cases-top .section-head {
    padding: 0;
    text-align: center;
  }

  .cases-top .section-head h2,
  .cases-top .section-head p {
    margin-left: auto;
    margin-right: auto;
  }

  .case-nav {
    position: absolute;
    top: auto;
    right: 50%;
    transform: translateX(50%);
  }

  .hero-grid,
  .counsel-band-grid,
  .product-grid,
  .merit-grid,
  .process-list,
  .footer-grid,
  .form-row.two,
  .form-row.three,
  .address-row,
  .consult-visuals {
    grid-template-columns: 1fr;
  }

  .apply-form.is-home .form-row.two,
  .apply-form.is-credit .form-row.two,
  .apply-form.is-home .address-row,
  .apply-form.is-credit .address-row {
    grid-template-columns: 1fr 1fr;
  }

  .apply-form.is-home .job-pack,
  .apply-form.is-credit .job-pack,
  .apply-form.is-vehicle .job-pack,
  .apply-form.is-home .job-pack:has([data-biz-only]:not([hidden])),
  .apply-form.is-credit .job-pack:has([data-biz-only]:not([hidden])),
  .apply-form.is-vehicle .job-pack:has([data-biz-only]:not([hidden])) {
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  }

  .apply-form.is-home .job-pack:has([data-biz-only]:not([hidden])) > .form-block:first-child,
  .apply-form.is-credit .job-pack:has([data-biz-only]:not([hidden])) > .form-block:first-child,
  .apply-form.is-vehicle .job-pack:has([data-biz-only]:not([hidden])) > .form-block:first-child {
    grid-column: 1 / -1;
  }

  .apply-form.is-home .job-pack .radio-row,
  .apply-form.is-credit .job-pack .radio-row,
  .apply-form.is-vehicle .job-pack .radio-row,
  .apply-form.is-credit [data-credit-only] .radio-row {
    flex-wrap: wrap;
  }

  .apply-form.is-auto .agree-bar,
  .apply-form.is-home .agree-bar,
  .apply-form.is-credit .agree-bar {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    align-items: start;
    gap: 8px 12px;
    margin: 14px 22px 0;
  }

  .apply-form.is-auto .agree,
  .apply-form.is-home .agree,
  .apply-form.is-credit .agree {
    align-items: center;
    min-width: 0;
    font-size: 13px;
    line-height: 1.45;
  }

  .apply-form.is-auto .agree span,
  .apply-form.is-home .agree span,
  .apply-form.is-credit .agree span {
    white-space: normal;
  }

  .apply-form.is-auto .agree-detail,
  .apply-form.is-home .agree-detail,
  .apply-form.is-credit .agree-detail {
    justify-self: end;
  }

  .apply-form.is-home .job-pack:has([data-income-only][hidden]):not(:has([data-biz-only]:not([hidden]))),
  .apply-form.is-credit .job-pack:has([data-income-only][hidden]):not(:has([data-biz-only]:not([hidden]))),
  .apply-form.is-vehicle .job-pack:has([data-income-only][hidden]):not(:has([data-biz-only]:not([hidden]))) {
    grid-template-columns: 1fr;
  }

  .consult-simple-head {
    padding: 18px 18px 6px;
  }

  .consult-simple-copy h3 {
    font-size: 22px;
  }

  .consult-simple-art svg {
    max-width: 124px;
  }

  .counsel-band-copy {
    text-align: center;
  }

  .counsel-band-copy p {
    margin-left: auto;
    margin-right: auto;
  }

  .counsel-band-art {
    max-width: 420px;
    margin: 0 auto;
  }

  .counsel-band-pills {
    max-width: 520px;
    margin: 0 auto;
  }

  .hero-copy {
    text-align: center;
  }

  .lede {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-points {
    justify-content: center;
  }

  .hero-tiles,
  .hero-cert {
    margin-left: auto;
    margin-right: auto;
  }

  .container {
    width: min(1120px, calc(100% - 28px));
  }
}

@media (max-width: 900px) and (max-height: 760px) {
  .hero {
    padding: 10px 0 12px;
  }

  .hero h1 {
    font-size: 24px;
  }

  .lede {
    font-size: 13px;
  }

  .hero-points {
    margin: 8px 0 10px;
  }

  .hero-tile {
    min-height: 88px;
    padding: 8px 6px;
    gap: 4px;
    font-size: 11.5px;
  }

  .hero-tile-icon {
    width: 28px;
    height: 28px;
  }

  .sticky-bar .btn {
    min-height: 38px;
    font-size: 12px;
  }

  .sticky-bar .btn-gold {
    min-height: 44px;
    font-size: 14px;
  }

  body {
    padding-bottom: 108px;
  }
}

@media (max-width: 640px) {
  .hero-tiles {
    max-width: 320px;
  }

  .hero-cert {
    grid-template-columns: 1fr auto;
    width: 100%;
  }

  .hero-cert-official {
    grid-column: 1 / -1;
  }

  .product-body .btn {
    width: 100%;
  }

  .modal-card-consult {
    width: 100%;
    max-height: min(82vh, 720px);
  }
}

.page-intro {
  position: fixed;
  inset: 0;
  z-index: 200;
  display: grid;
  place-items: center;
  background: var(--paper);
  transition: opacity 0.22s ease, visibility 0.22s ease;
}

.page-intro-brand {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  text-align: center;
}

.page-intro-name,
.page-intro-reg {
  margin: 0;
  opacity: 0;
  transform: translateY(12px);
}

.page-intro-name {
  font-size: var(--fs-28);
  font-weight: 700;
  letter-spacing: -0.04em;
  animation: intro-name 0.32s ease 0.04s forwards;
}

.page-intro-reg {
  font-size: 14px;
  font-weight: 500;
  color: var(--muted);
  letter-spacing: -0.02em;
  animation: intro-name 0.32s ease 0.1s forwards;
}

.page-intro.is-done {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
}

.hero-copy > * {
  opacity: 0;
  transform: translateY(16px);
}

.hero-art {
  opacity: 0;
}

body.is-ready .hero-copy > * {
  animation: rise-in 0.32s ease forwards;
}

body.is-ready .hero-art {
  animation: fade-in 0.32s ease forwards;
}

body.is-ready .hero-copy > *:nth-child(1) { animation-delay: 0s; }
body.is-ready .hero-copy > *:nth-child(2) { animation-delay: 0.04s; }
body.is-ready .hero-copy > *:nth-child(3) { animation-delay: 0.08s; }
body.is-ready .hero-copy > *:nth-child(4) { animation-delay: 0.12s; }
body.is-ready .hero-copy > *:nth-child(5) { animation-delay: 0.16s; }
body.is-ready .hero-copy > *:nth-child(6) { animation-delay: 0.2s; }
body.is-ready .hero-art { animation-delay: 0.08s; }

.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 0.35s ease, transform 0.35s ease;
}

.reveal.is-in {
  opacity: 1;
  transform: none;
}

@keyframes intro-name {
  to {
    opacity: 1;
    transform: none;
  }
}

@keyframes fade-in {
  to { opacity: 1; }
}

@keyframes rise-in {
  to {
    opacity: 1;
    transform: none;
  }
}

@keyframes sheet-up {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: none;
  }
}

@keyframes float-soft {
  0%,
  100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

@media (prefers-reduced-motion: reduce) {
  .page-intro,
  .hero-copy > *,
  .hero-art,
  .reveal,
  .hero-art img {
    animation: none !important;
    transition: none !important;
    opacity: 1 !important;
    transform: none !important;
    visibility: visible !important;
  }

  .page-intro {
    display: none;
  }
}