:root{
  --slate:#304655;
  --slate-2:#536978;
  --ink:#2E4452;
  --muted:#6B7F8B;
  --bg:#F4F6F5;
  --pale:#E8EDF0;
  --white:#FFFFFF;
  --terra:#A9423A;
  --peach:#F4A06E;
  --grad-h:linear-gradient(90deg,#A9423A 0%,#F4A06E 50%,#A9423A 100%);
  --grad-v:linear-gradient(180deg,#A9423A 0%,#F4A06E 50%,#A9423A 100%);
  --grad-r:radial-gradient(circle at 50% 50%,#F4A06E 0%,#C9604A 55%,#A9423A 100%);
  --r-lg:40px;
  --r-md:28px;
  --r-sm:8px;
  --wrap:1240px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{font-family:"Red Hat Display",system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.5;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit;color:inherit}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 32px}
section{padding:96px 0}
h1,h2,h3{font-weight:700;letter-spacing:-.01em;line-height:1.12}
h2{font-size:clamp(32px,4.2vw,48px);margin:28px 0 18px}
.lede{font-size:19px;color:var(--muted);max-width:820px}

/* ---------- Header ---------- */
header{position:sticky;top:0;z-index:50;background:var(--white);box-shadow:0 1px 0 rgba(48,70,85,.08)}
.nav{display:flex;align-items:center;gap:28px;height:86px}
.logo{display:flex;flex-direction:column;line-height:1}
.logo b{font-size:30px;font-weight:800;letter-spacing:.02em;color:var(--slate)}
.logo span{font-size:11px;letter-spacing:.32em;color:var(--slate-2);margin-top:6px;padding-left:3px}
.menu{display:flex;gap:22px;margin-left:auto;font-weight:600;font-size:16px;color:var(--slate)}
.menu a:hover{color:var(--terra)}
.lang{display:flex;border:1px solid var(--pale);border-radius:6px;overflow:hidden;font-size:13px;font-weight:700}
.lang button{background:none;border:0;padding:6px 10px;cursor:pointer;color:var(--slate-2)}
.lang button.on{background:var(--slate);color:#fff}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:var(--r-sm);padding:16px 30px;font-weight:700;font-size:17px;cursor:pointer;color:#fff;background:var(--grad-h);background-size:100% 100%;box-shadow:0 6px 18px rgba(169,66,58,.22);transition:transform .15s,box-shadow .15s}
.btn:hover{transform:translateY(-1px);box-shadow:0 10px 24px rgba(169,66,58,.3)}
.btn.alt{background:var(--slate-2);box-shadow:none}
.btn[disabled]{opacity:.6;cursor:wait}
.burger{display:none;margin-left:auto;background:none;border:0;cursor:pointer;padding:8px}
.burger i{display:block;width:24px;height:2px;background:var(--slate);margin:5px 0}

/* ---------- Chip ---------- */
.chip{display:inline-flex;align-items:center;background:var(--pale);border-radius:6px;overflow:hidden;font-size:14px;font-weight:700;letter-spacing:.04em;color:var(--slate-2);text-transform:uppercase;min-width:280px}
.chip::before{content:"";width:64px;align-self:stretch;min-height:38px;background:var(--grad-r)}
.chip span{padding:9px 18px}
.chip.plain::before{display:none}
.dark .chip{background:#E9EEF1}

/* ---------- Hero ---------- */
.dark{background:var(--slate);color:#fff}
.hero{padding:70px 0 90px}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:center}
.hero h1{font-size:clamp(46px,6.4vw,76px);margin:42px 0 48px}
.hero p{font-size:clamp(19px,1.9vw,24px);color:#DCE4E9;max-width:700px;line-height:1.4}
.hero .ctas{display:flex;gap:22px;flex-wrap:wrap;margin-top:70px}
.phone-col{display:flex;flex-direction:column;align-items:center;gap:30px}
.phone{width:min(240px,62vw);aspect-ratio:9/18.5;background:#0b0b0b;border-radius:38px;padding:12px;box-shadow:0 0 0 2px #3a3a3a,0 30px 60px rgba(0,0,0,.35);position:relative}
.phone::before{content:"";position:absolute;top:12px;left:50%;transform:translateX(-50%);width:44%;height:20px;background:#0b0b0b;border-radius:0 0 14px 14px;z-index:2}
.screen{width:100%;height:100%;border-radius:28px;overflow:hidden;background:linear-gradient(180deg,#E8530C 0%,#F07A1E 45%,#F79A3A 100%)}
.screen svg{width:100%;height:100%}
.phone-col strong{font-size:22px;letter-spacing:.02em}

/* ---------- Cards ---------- */
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:40px;margin-top:56px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin-top:56px}
.card{position:relative;background:var(--white);border-radius:0 var(--r-lg) var(--r-lg) 0;padding:34px 34px 40px 38px}
.card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:9px;background:var(--grad-v)}
.card h3{font-size:24px;margin-bottom:22px}
.card p{color:var(--muted);font-size:17px}
.card.tall{min-height:260px}
.card.round{border-radius:var(--r-md)}
.card.round::before{display:none}
.card .num{margin-right:10px}
.note{margin-top:28px;background:var(--pale);border-radius:12px;padding:22px 28px;font-size:17px}
.dest{background:var(--white);border-radius:0 0 var(--r-lg) var(--r-lg);overflow:hidden;display:flex;flex-direction:column}
.dest .top{background:var(--slate);color:#fff;font-weight:700;font-size:20px;padding:28px 28px}
.dest .body{padding:28px 28px 34px;flex:1;display:flex;flex-direction:column}
.dest h3{font-size:27px;margin-bottom:22px}
.dest p{color:var(--muted);font-size:17px;flex:1}
.dest a.more{margin-top:34px;font-weight:700;font-size:18px;background:linear-gradient(90deg,#A9423A,#F4A06E);-webkit-background-clip:text;background-clip:text;color:transparent}
ul.ticks{list-style:none;margin-top:6px}
ul.ticks li{color:var(--muted);font-size:16px;padding-left:18px;position:relative;margin-top:8px}
ul.ticks li::before{content:"";position:absolute;left:0;top:9px;width:7px;height:7px;border-radius:50%;background:var(--terra)}

/* ---------- Calculator ---------- */
.calc{display:grid;grid-template-columns:1.6fr 1fr;gap:36px;margin-top:56px;align-items:start}
.panel{background:var(--white);border-radius:var(--r-lg);padding:26px 32px 34px}
.tabs{display:flex;gap:20px;margin-bottom:18px;flex-wrap:wrap}
.tabs button{background:var(--pale);border:0;border-radius:6px;padding:10px 12px;font-weight:700;font-size:15px;color:var(--slate-2);cursor:pointer;min-width:190px;text-align:left}
.tabs button.on{background:var(--slate);color:#fff}
.row{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:18px;margin-top:16px}
.row label{font-size:19px;color:var(--muted)}
.field{display:flex;align-items:center;background:var(--bg);border-radius:10px;padding:0 20px;height:52px;font-weight:700}
.field input,.field select{border:0;background:transparent;outline:none;font-weight:700;font-size:18px;width:100%;height:100%}
.field select{cursor:pointer}
.field .pre{margin-right:6px}
.field .suf{white-space:nowrap;color:var(--slate-2);margin-left:6px}
.field:focus-within{box-shadow:0 0 0 2px var(--peach)}
.sub{margin-top:30px;padding-top:22px;border-top:1px solid var(--pale)}
.sub h4{font-size:15px;letter-spacing:.06em;text-transform:uppercase;color:var(--slate-2)}
.check{display:flex;align-items:center;gap:10px;font-size:17px;color:var(--muted);cursor:pointer}
.check input{width:18px;height:18px;accent-color:var(--terra)}
.result{background:var(--slate);color:#fff;border-radius:var(--r-lg);padding:34px 34px 30px;position:sticky;top:110px}
.result .lbl{font-weight:700;font-size:18px;letter-spacing:.02em;text-transform:uppercase}
.result .big{font-size:clamp(38px,4vw,46px);font-weight:700;margin:26px 0 30px;line-height:1.1}
.result .meta{font-size:16px;color:#DCE4E9;line-height:1.55}
.result .meta input{width:62px;background:rgba(255,255,255,.12);border:0;border-radius:6px;color:#fff;font-weight:700;padding:2px 6px;text-align:right}
.costs{margin-top:22px;padding-top:18px;border-top:1px solid rgba(255,255,255,.18);font-size:15px}
.costs .li{display:flex;justify-content:space-between;gap:12px;color:#DCE4E9;margin-top:6px}
.costs .li b{color:#fff;font-weight:600;white-space:nowrap}
.costs .tot{font-weight:700;color:#fff;font-size:17px;margin-top:12px;padding-top:10px;border-top:1px solid rgba(255,255,255,.18)}
.warn{margin-top:14px;background:rgba(244,160,110,.16);border-left:3px solid var(--peach);padding:10px 12px;border-radius:6px;font-size:14px;color:#FBE3D3}
.result .btn{width:100%;margin-top:24px}
.small{font-size:13px;color:#B9C6CE;margin-top:14px}

/* ---------- Forms ---------- */
.formwrap{display:grid;grid-template-columns:1.35fr 1fr;gap:36px;margin-top:56px;align-items:start}
.formwrap.partner{grid-template-columns:1fr 1.35fr}
form.panel{padding:36px 38px 40px}
form h3{font-size:28px;margin-bottom:8px}
form .step{font-size:14px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--terra);margin:30px 0 4px}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px 22px;margin-top:14px}
.fgrid .full{grid-column:1/-1}
.f label{display:block;font-size:14px;font-weight:600;color:var(--slate);margin-bottom:6px}
.f input,.f select,.f textarea{width:100%;background:var(--bg);border:0;border-radius:10px;padding:15px 16px;font-size:16px;outline:none}
.f textarea{min-height:110px;resize:vertical}
.f input:focus,.f select:focus,.f textarea:focus{box-shadow:0 0 0 2px var(--peach)}
.opts{display:flex;flex-wrap:wrap;gap:10px 22px;padding:6px 0}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:var(--muted);margin-top:22px}
.consent input{margin-top:3px;accent-color:var(--terra);width:16px;height:16px}
form .btn{margin-top:26px;min-width:300px}
.req{color:var(--terra)}
.success{background:var(--white);border-radius:var(--r-lg);padding:46px 40px;text-align:center}
.success h3{font-size:30px;margin-bottom:12px}
.success p{color:var(--muted);font-size:18px}
.err{color:var(--terra);font-weight:600;margin-top:14px;font-size:15px}
.side{background:var(--slate);color:#fff;border-radius:var(--r-lg);padding:46px 44px}
.side h3{font-size:clamp(30px,3vw,40px);margin-bottom:30px}
.side p,.side li{font-size:19px;color:#E4EBEF}
.side ul{list-style:none}
.side li{margin-top:10px;padding-left:20px;position:relative}
.side li::before{content:"•";position:absolute;left:0}
.side .contact{margin-top:34px;padding-top:24px;border-top:1px solid rgba(255,255,255,.18);font-size:17px}
.side .contact a{display:block;margin-top:6px;font-weight:700;color:#fff}
.hp{position:absolute;left:-9999px}

/* ---------- FAQ ---------- */
.faq{margin-top:48px;display:grid;gap:18px}
.faq details{background:var(--white);border-radius:14px;padding:24px 32px}
.faq summary{font-weight:700;font-size:20px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:20px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--terra);font-size:26px;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq p{color:var(--muted);font-size:17px;margin-top:12px;max-width:900px}

/* ---------- Footer ---------- */
footer{background:var(--slate);color:#fff;padding:46px 0 30px}
.foot{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}
.foot .logo b{color:#fff}.foot .logo span{color:#B9C6CE}
.foot .links{display:flex;gap:40px;flex-wrap:wrap;font-size:15px}
.foot .links div{display:flex;flex-direction:column;gap:6px;color:#DCE4E9}
.foot .links strong{color:#fff;margin-bottom:4px}
.disc{font-size:13px;color:#B9C6CE;margin-top:34px;padding-top:20px;border-top:1px solid rgba(255,255,255,.15)}

/* ---------- Responsive ---------- */
@media (max-width:1100px){
  .menu{gap:16px;font-size:15px}
  .nav .btn{padding:12px 18px;font-size:15px}
}
@media (max-width:980px){
  .menu,.nav>.btn{display:none}
  .burger{display:block}
  .menu.open{display:flex;flex-direction:column;position:absolute;top:86px;left:0;right:0;background:#fff;padding:20px 32px 28px;gap:16px;box-shadow:0 10px 20px rgba(0,0,0,.08)}
  .hero-grid,.calc,.formwrap,.formwrap.partner{grid-template-columns:1fr}
  .grid3{grid-template-columns:1fr}
  .result{position:static}
}
@media (max-width:700px){
  .wrap{padding:0 16px}
  section{padding:64px 0}
  .grid2{grid-template-columns:1fr;gap:24px}
  .grid3{gap:24px}
  .row{grid-template-columns:1fr;gap:6px}
  .fgrid{grid-template-columns:1fr}
  .chip{min-width:0}
  .tabs button{min-width:0;flex:1}
  form.panel,.panel{padding:24px 20px 28px}
  form .btn{min-width:0;width:100%}
  .side{padding:34px 26px}
  .hero .ctas .btn{width:100%}
  .lang{margin-left:auto}
  .burger{margin-left:8px}
}

/* ---------- Featured country banners (home) ---------- */
.sky{background:linear-gradient(180deg,#1E2E39 0%,#304655 38%,#7A4A45 72%,#C9604A 88%,#F4A06E 100%)}
.skyline{position:absolute;left:0;bottom:0;width:100%;height:auto;pointer-events:none}
.features{display:grid;grid-template-columns:1fr 1fr;gap:32px;margin-top:56px}
.feature{position:relative;overflow:hidden;border-radius:var(--r-lg);min-height:520px;color:#fff;padding:40px 40px 0;display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s}
.feature:hover{transform:translateY(-3px);box-shadow:0 24px 50px rgba(48,70,85,.28)}
.feature .crumb{font-size:14px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#F4C3A4}
.feature h3{font-size:clamp(28px,2.8vw,38px);font-weight:600;line-height:1.15;margin:18px 0 16px;max-width:520px}
.feature p{color:#DCE4E9;font-size:17px;max-width:470px}
.feature .go{position:relative;z-index:2;align-self:flex-start;margin-top:26px;background:#fff;color:var(--terra);font-weight:700;border-radius:var(--r-sm);padding:14px 24px;font-size:16px}
.feature:hover .go{background:var(--grad-h);color:#fff}

/* ---------- Country page hero ---------- */
.page-hero{position:relative;overflow:hidden;color:#fff;padding:56px 0 220px}
.breadcrumb{display:flex;flex-wrap:wrap;gap:10px;font-size:16px;color:#DCE4E9;position:relative;z-index:2}
.breadcrumb a{text-decoration:underline;text-underline-offset:3px}
.breadcrumb span.sep{opacity:.6}
.page-hero h1{position:relative;z-index:2;font-size:clamp(36px,5vw,62px);font-weight:600;max-width:900px;margin:30px 0 22px}
.page-hero .subt{position:relative;z-index:2;font-size:clamp(18px,1.8vw,22px);color:#E4EBEF;max-width:720px}
.page-hero .meta{position:relative;z-index:2;display:flex;gap:24px;flex-wrap:wrap;margin-top:28px;font-size:15px;color:#DCE4E9}
.hero-card{position:relative;z-index:3;margin-top:-150px;margin-left:auto;width:min(420px,100%);background:#fff;border-radius:var(--r-md);padding:28px;box-shadow:0 20px 50px rgba(30,46,57,.18);display:grid;gap:12px}
.hero-card .btn{width:100%}
.hero-card .btn.ghost{background:var(--pale);color:var(--slate);box-shadow:none}

/* ---------- Quick facts ---------- */
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:40px}
.fact{background:#fff;border-radius:18px;padding:24px 22px;border-top:4px solid var(--terra)}
.fact b{display:block;font-size:30px;color:var(--slate);line-height:1.1}
.fact span{display:block;margin-top:8px;color:var(--muted);font-size:15px}

/* ---------- Article + sidebar ---------- */
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 380px;gap:56px;align-items:start;margin-top:64px}
.article .intro{font-size:20px;color:var(--ink);line-height:1.6}
.article h2{font-size:clamp(25px,2.4vw,31px);font-weight:700;margin:52px 0 18px;line-height:1.25}
.article h2 .qn{color:var(--terra)}
.article p{font-size:18px;line-height:1.7;color:#3d5260;margin-top:14px}
.article p strong{color:var(--ink)}
.article ul,.article ol{margin:14px 0 0 24px;font-size:18px;line-height:1.7;color:#3d5260}
.article li{margin-top:8px;padding-left:4px}
.article li::marker{color:var(--terra)}
.tbl{width:100%;border-collapse:separate;border-spacing:0;margin-top:18px;background:#fff;border-radius:16px;overflow:hidden;font-size:16px}
.tbl th{background:var(--slate);color:#fff;text-align:left;padding:14px 18px;font-weight:700}
.tbl td{padding:14px 18px;border-top:1px solid var(--pale);vertical-align:top;color:#3d5260}
.tbl td:first-child{font-weight:600;color:var(--ink);width:44%}
.tip{margin-top:20px;background:var(--pale);border-left:4px solid var(--terra);border-radius:10px;padding:16px 20px;font-size:16px;color:var(--ink)}
.aside{position:sticky;top:110px;display:grid;gap:24px}
.contact-card{background:var(--slate);color:#fff;border-radius:var(--r-md);padding:32px 30px}
.contact-card .hd{display:flex;align-items:center;gap:12px;font-size:17px;letter-spacing:.06em;text-transform:uppercase;font-weight:700}
.contact-card p{color:#DCE4E9;margin:18px 0 8px;font-size:17px}
.ci{display:flex;align-items:center;gap:14px;margin-top:16px;font-size:17px;font-weight:600;word-break:break-word}
.ci .ic{flex:0 0 42px;height:42px;border-radius:50%;border:1.5px solid rgba(255,255,255,.45);display:grid;place-items:center}
.ci svg{width:19px;height:19px}
.contact-card .btn{width:100%;margin-top:26px}
.side-card{background:#fff;border-radius:var(--r-md);padding:28px 30px}
.side-card h4{font-size:15px;letter-spacing:.08em;text-transform:uppercase;color:var(--slate-2);margin-bottom:10px}
.side-card a{display:block;padding:10px 0;border-top:1px solid var(--pale);font-weight:600;color:var(--slate)}
.side-card a:first-of-type{border-top:0}
.side-card a:hover{color:var(--terra)}
.cta-band{background:var(--slate);color:#fff;border-radius:var(--r-lg);padding:48px 44px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap;margin-top:80px}
.cta-band h3{font-size:clamp(26px,3vw,36px)}
.cta-band p{color:#DCE4E9;margin-top:10px;font-size:18px;max-width:640px}
.cta-band .btns{display:flex;gap:14px;flex-wrap:wrap}

@media (max-width:980px){
  .features{grid-template-columns:1fr}
  .article-grid{grid-template-columns:1fr}
  .aside{position:static}
  .facts{grid-template-columns:1fr 1fr}
}
@media (max-width:700px){
  .feature{min-height:470px;padding:30px 24px 0}
  .page-hero{padding:36px 0 180px}
  .hero-card{margin-top:-130px}
  .facts{gap:12px}
  .fact{padding:18px 16px}.fact b{font-size:24px}
  .tbl{font-size:15px}.tbl th,.tbl td{padding:12px}
  .cta-band{padding:34px 24px}
  .cta-band .btns,.cta-band .btn{width:100%}
}

/* ---------- Header + hero skyline refinements ---------- */
.menu a{white-space:nowrap}
.nav .btn{white-space:nowrap;padding:13px 20px;font-size:15px}
.page-hero .skyline{left:auto;right:0;width:60%;min-width:620px}
@media (max-width:1240px){
  .menu,.nav>.btn{display:none}
  .burger{display:block}
  .lang{margin-left:auto}
  .menu.open{display:flex;flex-direction:column;position:absolute;top:86px;left:0;right:0;background:#fff;padding:20px 32px 28px;gap:16px;box-shadow:0 10px 20px rgba(0,0,0,.08)}
}
@media (max-width:700px){
  .page-hero .skyline{width:100%;min-width:0}
}
.lang,.nav .btn,.logo{flex-shrink:0}

/* ---------- Process / worked example / partner banks ---------- */
.sec-head{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.sec-head .total{font-weight:700;color:var(--terra);font-size:18px}
.steps{list-style:none;display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin-top:36px;counter-reset:s}
.step{background:#fff;border-radius:20px;padding:24px 20px 26px;position:relative}
.step .n{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--grad-r);color:#fff;font-weight:800;margin-bottom:16px}
.step b{display:block;font-size:18px;color:var(--slate)}
.step .dur{display:inline-block;margin-top:8px;background:var(--pale);color:var(--terra);font-weight:700;font-size:14px;border-radius:6px;padding:3px 10px}
.step p{color:var(--muted);font-size:15px;margin-top:12px}
.example{background:#fff;border-radius:var(--r-md);padding:30px 34px;margin-top:30px;max-width:900px}
.example .ext{font-weight:700;color:var(--slate);font-size:18px;margin-bottom:10px}
.exr{display:flex;justify-content:space-between;gap:24px;padding:14px 0;border-top:1px solid var(--pale);font-size:16px;color:#3d5260}
.exr b{white-space:nowrap;color:var(--ink);font-size:17px}
.exr.extot{border-top:2px solid var(--slate);font-weight:700;color:var(--ink);font-size:18px}
.exr.extot b{color:var(--terra);font-size:22px}
.exmo{margin-top:12px;color:var(--muted);font-size:15px}
.banks{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px}
.banks span{background:#fff;border-radius:12px;padding:16px 24px;font-weight:700;color:var(--slate);font-size:17px}
.banks span.more{background:none;color:var(--terra)}
.tbl td.grp{background:var(--pale);font-weight:700;color:var(--slate);text-transform:uppercase;letter-spacing:.06em;font-size:13px;width:auto}
.contact-card .cname{margin:6px 0 0;font-weight:700;color:#fff;font-size:18px}
.ci span:last-child{font-weight:600}
.map{margin-top:22px;border-radius:16px;overflow:hidden;line-height:0}
.map iframe{width:100%;height:220px;border:0}
.rate-box{margin-top:28px;background:#fff;border-radius:var(--r-md);padding:28px 32px;border-left:6px solid var(--terra)}
.rate-box h3{font-size:20px;margin-bottom:6px}
.rate-box .rg{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:18px}
.rate-box .rg div{background:var(--bg);border-radius:12px;padding:14px 16px}
.rate-box .rg b{display:block;font-size:22px;color:var(--slate)}
.rate-box .rg span{font-size:14px;color:var(--muted)}
.rate-box p{color:var(--muted);font-size:15px;margin-top:14px}
@media (max-width:980px){.steps{grid-template-columns:1fr 1fr}.rate-box .rg{grid-template-columns:1fr 1fr}}
@media (max-width:700px){.steps{grid-template-columns:1fr}.example{padding:22px 18px}.exr{flex-direction:column;gap:4px}}
.side .contact .addr{display:block;margin-top:10px;color:#DCE4E9;font-size:16px}

/* ---------- Real photo backgrounds (Unsplash licence) under a brand overlay ---------- */
.photo-es,.photo-it{background-size:cover;background-position:center}
.photo-es{background-image:
  linear-gradient(180deg,rgba(30,46,57,.90) 0%,rgba(48,70,85,.78) 45%,rgba(122,74,69,.62) 75%,rgba(201,96,74,.55) 100%),
  url("https://images.unsplash.com/photo-1569296085393-7bfb185e3c09?fm=jpg&q=70&w=1800&auto=format&fit=crop")}
.photo-it{background-image:
  linear-gradient(180deg,rgba(30,46,57,.90) 0%,rgba(48,70,85,.78) 45%,rgba(122,74,69,.62) 75%,rgba(201,96,74,.55) 100%),
  url("https://images.unsplash.com/photo-1751147449909-174ce44667b6?fm=jpg&q=70&w=1800&auto=format&fit=crop")}
.photo-es .skyline,.photo-it .skyline{opacity:.92}

/* ---------- "Mertoun App" label on the phone screen ---------- */
.screen{position:relative}
.app-label{position:absolute;top:14%;left:0;right:0;z-index:2;display:flex;flex-direction:column;align-items:center;color:#fff;text-align:center;text-shadow:0 2px 12px rgba(80,25,0,.35)}
.al-top{font-weight:700;letter-spacing:.32em;font-size:clamp(11px,1.2vw,14px);padding-left:.32em}
.al-big{font-weight:800;font-size:clamp(44px,5vw,64px);line-height:1;margin-top:4px;letter-spacing:.02em}
.al-pill{margin-top:12px;border:1.5px solid rgba(255,255,255,.85);border-radius:999px;padding:4px 14px;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;text-shadow:none}

/* ---------- Services icons ---------- */
.svc .card h3{margin-top:18px}
.svc-ic{display:grid;place-items:center;width:52px;height:52px;border-radius:14px;background:var(--pale)}
.svc-ic svg{width:26px;height:26px;fill:none;stroke:var(--terra);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}

/* ---------- About ---------- */
.about{display:grid;grid-template-columns:1.25fr 1fr;gap:48px;background:var(--slate);color:#fff;border-radius:var(--r-lg);padding:56px 56px 60px;align-items:center}
.about h2{color:#fff}
.about p{color:#DCE4E9;font-size:18px;margin-top:14px;line-height:1.65}
.about-side{background:rgba(255,255,255,.07);border-radius:var(--r-md);padding:34px 32px}
.about blockquote{font-size:clamp(20px,2vw,25px);line-height:1.45;font-style:italic;color:#fff}
.ab-mk{display:flex;gap:10px;flex-wrap:wrap;margin-top:26px}
.ab-mk span{background:var(--grad-h);border-radius:6px;padding:6px 14px;font-weight:700;font-size:14px;letter-spacing:.06em;text-transform:uppercase}
.about .ab-off{font-size:15px;margin-top:22px;color:#B9C6CE}
@media (max-width:980px){.about{grid-template-columns:1fr;padding:40px 28px}}
@media (max-width:700px){.about{padding:32px 20px;gap:28px}.about-side{padding:24px 20px}}
.photo-es,.photo-it{background-color:#304655}

/* ---------- Photo inside the guide article ---------- */
.guide-photo{margin:48px 0 8px}
.guide-photo img{display:block;width:100%;height:clamp(240px,34vw,420px);object-fit:cover;border-radius:var(--r-md);background:var(--pale)}
.guide-photo figcaption{margin-top:10px;font-size:14px;color:var(--muted)}
.f .opts .check{display:flex;align-items:center;gap:10px;margin:0;font-size:16px;font-weight:500;color:var(--ink)}
.f .opts .check input{width:18px;height:18px;padding:0;accent-color:var(--terra)}

/* ---------- Rotating country banner (every 3 s) ---------- */
.carousel{position:relative;overflow:hidden;border-radius:var(--r-lg);margin-top:56px}
.carousel .track{display:flex;transition:transform .8s cubic-bezier(.65,0,.35,1)}
.carousel .slide{flex:0 0 100%;min-height:400px;border-radius:0;padding:56px 56px 0;transform:none!important;box-shadow:none!important}
.carousel .slide h3{font-size:clamp(30px,3.4vw,46px);max-width:620px}
.carousel .slide p{max-width:520px;font-size:18px}
.carousel .slide .skyline{left:auto;right:0;width:60%}
.carousel .dots{position:absolute;left:56px;bottom:26px;display:flex;gap:10px;z-index:3}
.carousel .dots button{width:30px;height:6px;border-radius:3px;border:0;background:rgba(255,255,255,.4);cursor:pointer;padding:0;transition:background .3s,width .3s}
.carousel .dots button.on{background:#fff;width:46px}
@media (max-width:700px){
  .carousel .slide{min-height:480px;padding:32px 24px 0}
  .carousel .slide .skyline{width:100%}
  .carousel .dots{left:24px;bottom:auto;top:20px}
}
@media (prefers-reduced-motion:reduce){.carousel .track{transition:none}}
.svc .card{display:flex;flex-direction:column}
.svc .card p{flex:1}
.svc-btn{align-self:flex-start;margin-top:24px;padding:13px 22px;font-size:15px}
.side .contact a{word-break:break-word}
.foot .links a{word-break:break-word}
.ci.em{font-size:15px;letter-spacing:-.01em;word-break:normal;overflow-wrap:anywhere}
.contact-card{padding:32px 26px}

/* ---------- UAE partner banks ---------- */
.uae-banks{margin-top:44px}
.uae-banks h3{font-size:24px}
.uae-banks p{color:var(--muted);margin-top:6px;font-size:17px}
.bank-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:24px}
.bank{background:#fff;border-radius:16px;padding:22px 20px;min-height:96px;display:flex;flex-direction:column;justify-content:center;border-bottom:3px solid var(--pale);transition:border-color .2s}
.bank:hover{border-bottom-color:var(--terra)}
.bank b{font-size:21px;color:var(--slate);letter-spacing:.01em}
.bank span{font-size:13px;color:var(--muted);margin-top:4px}
@media (max-width:980px){.bank-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:420px){.bank-grid{gap:10px}.bank{padding:16px 14px;min-height:84px}.bank b{font-size:18px}}
.bank.logo{align-items:center;justify-content:center;padding:18px 22px;min-height:110px;border-bottom:0;box-shadow:0 1px 0 rgba(48,70,85,.08)}
.bank.logo img{display:block;max-width:82%;max-height:64px;width:auto;height:auto;object-fit:contain}
.bank.logo[style*="#ffffff"]{border:1px solid var(--pale)}
.bank.logo:hover{transform:translateY(-2px);transition:transform .2s}