/* ============================================================
   KREDIT MARKAZI — Professional design system v5
   Brand green #2E7D52 · Inter (SF Pro alternative)
   ============================================================ */
:root{
  --brand:#2E7D52; --brand-600:#256844; --brand-700:#1C5236; --brand-800:#153F2A;
  --brand-light:#76B473; --gold:#A7D9A0; --mint:#4FAE74;
  --brand-100:#D6EBDA; --brand-50:#EEF7F0;
  --deep:#0C231B; --deep-2:#123126; --wline:rgba(255,255,255,.14);
  --heading:#122E23; --ink:#26433A; --muted:#61796E; --faint:#8AA096;
  --line:#DCE9DF; --line-soft:#E8F2EA;
  --paper:#F7FAF7; --card:#FFFFFF;
  --up:#1F7A4D; --down:#C0392B;
  --f:"Inter",-apple-system,"SF Pro Display","Segoe UI",sans-serif;
  --max:1200px;
  --r1:12px; --r2:18px; --r3:28px;
  --sh1:0 1px 2px rgba(12,35,27,.06),0 2px 8px rgba(12,35,27,.05);
  --sh2:0 12px 32px -8px rgba(12,35,27,.16);
  --sh3:0 32px 72px -20px rgba(12,35,27,.30);
  --ease:cubic-bezier(.22,.8,.3,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}
body{
  font-family:var(--f);color:var(--ink);background:var(--paper);
  line-height:1.65;font-size:16px;letter-spacing:-.011em;
  -webkit-font-smoothing:antialiased;
}
/* subtle ambient texture */
body::before{content:"";position:fixed;inset:0;pointer-events:none;z-index:0;
  background:
   radial-gradient(900px 500px at 85% -5%, rgba(118,180,115,.14), transparent 60%),
   radial-gradient(700px 480px at -10% 30%, rgba(46,125,82,.08), transparent 60%);
}
main,header,footer{position:relative;z-index:1}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
img{max-width:100%}
a{color:var(--brand-600)}
::selection{background:var(--brand-100)}

h1,h2,h3,h4{color:var(--heading);font-weight:800;letter-spacing:-.032em;line-height:1.12}
h1{font-size:clamp(34px,5.2vw,60px)}
h2{font-size:clamp(26px,3.4vw,40px)}
h3{font-size:19px;letter-spacing:-.02em}
.lead{font-size:clamp(16px,1.6vw,19px);color:var(--muted);max-width:660px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;color:var(--brand-700);margin-bottom:18px}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--brand);border-radius:2px}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--f);
  font-weight:700;font-size:15px;padding:15px 28px;border-radius:999px;border:none;cursor:pointer;
  text-decoration:none;transition:transform .18s var(--ease),box-shadow .18s var(--ease),background .18s}
.btn-primary{background:var(--brand);color:#fff;box-shadow:0 10px 24px -8px rgba(46,125,82,.55)}
.btn-primary:hover{background:var(--brand-600);transform:translateY(-2px);box-shadow:0 16px 34px -10px rgba(46,125,82,.6)}
.btn-dark{background:var(--deep);color:#fff}
.btn-dark:hover{background:var(--deep-2);transform:translateY(-2px)}
.btn-ghost{background:#fff;color:var(--brand-700);border:1.5px solid var(--line);box-shadow:var(--sh1)}
.btn-ghost:hover{border-color:var(--brand-light);transform:translateY(-2px)}
.btn-white{background:#fff;color:var(--brand-700)}
.btn:focus-visible{outline:3px solid var(--brand-light);outline-offset:2px}

section{padding:88px 0}
.sec-tight{padding:56px 0}
.sec-head{max-width:720px;margin-bottom:44px}
.sec-head p{margin-top:12px}

.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:980px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}

.card{background:var(--card);border:1px solid var(--line-soft);border-radius:var(--r3);
  padding:30px;box-shadow:var(--sh1);transition:transform .22s var(--ease),box-shadow .22s var(--ease),border-color .22s}
.card:hover{transform:translateY(-5px);box-shadow:var(--sh2);border-color:var(--brand-100)}
.card .ic{width:52px;height:52px;border-radius:16px;display:flex;align-items:center;justify-content:center;
  font-size:24px;margin-bottom:18px;background:linear-gradient(140deg,var(--brand-50),var(--brand-100));
  border:1px solid var(--brand-100)}
.card h3{margin-bottom:10px}
.card p{color:var(--muted);font-size:15px}
.card .more{display:inline-flex;align-items:center;gap:6px;margin-top:16px;font-weight:700;font-size:14px;
  text-decoration:none;color:var(--brand-700)}
.card .more:hover{gap:10px}

/* ---------------- header ---------------- */
header{position:sticky;top:0;z-index:80;background:rgba(247,250,247,.8);backdrop-filter:blur(16px) saturate(1.4);
  border-bottom:1px solid var(--line-soft)}
.nav{display:flex;align-items:center;gap:12px;height:76px;flex-wrap:nowrap}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none;flex:none;white-space:nowrap}
.logo img{width:42px;height:42px;border-radius:12px;object-fit:cover;box-shadow:var(--sh1)}
.logo .t{font-weight:900;font-size:17px;letter-spacing:-.02em;color:var(--heading);line-height:1.1}
.logo .t b{color:var(--brand)}
.logo .t small{display:block;font-size:10.5px;font-weight:600;color:var(--faint);letter-spacing:.14em;text-transform:uppercase}
.menu{display:flex;gap:1px;margin-left:auto;flex-wrap:nowrap;min-width:0;overflow:hidden}
.menu a{padding:9px 13px;border-radius:999px;font-size:14px;font-weight:600;color:var(--ink);text-decoration:none;white-space:nowrap;transition:background .15s,color .15s}
.menu a:hover{background:var(--brand-50);color:var(--brand-700)}
.menu a.act{background:var(--deep);color:#fff}
.hcall{margin-left:6px;padding:12px 20px;font-size:14px;flex:none;white-space:nowrap}
.burger{display:none;margin-left:auto;background:#fff;border:1.5px solid var(--line);border-radius:12px;padding:9px 13px;font-size:18px;cursor:pointer;color:var(--heading)}
@media(max-width:1280px){
  .menu{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;flex-direction:column;padding:14px;border-bottom:1px solid var(--line);box-shadow:var(--sh2)}
  .menu.open{display:flex}
  .menu a{padding:13px 16px;border-radius:12px}
  .burger{display:block}.hcall{display:none}
}

/* ---------------- hero ---------------- */
.hero{padding:96px 0 72px;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.12fr .88fr;gap:56px;align-items:center}
@media(max-width:940px){.hero .wrap{grid-template-columns:1fr}}
.hero h1 .hl{color:var(--brand);position:relative;white-space:nowrap}
.hero h1 .hl::after{content:"";position:absolute;left:0;right:0;bottom:6px;height:12px;background:var(--brand-100);z-index:-1;border-radius:4px}
.hero .cta{display:flex;gap:14px;margin-top:32px;flex-wrap:wrap}
.trust{display:flex;gap:36px;margin-top:44px;flex-wrap:wrap}
.trust div b{display:block;font-size:30px;font-weight:900;color:var(--brand-800);letter-spacing:-.04em;line-height:1.1}
.trust div span{font-size:13px;color:var(--muted)}
.hero-panel{background:linear-gradient(155deg,var(--deep-2),var(--deep) 70%);color:#E8F3EC;border-radius:32px;
  padding:36px;box-shadow:var(--sh3);position:relative;overflow:hidden}
.hero-panel::before{content:"";position:absolute;top:-70px;right:-70px;width:220px;height:220px;border-radius:50%;
  background:radial-gradient(circle,rgba(167,217,160,.28),transparent 70%)}
.hero-panel h3{color:#fff;font-size:22px;margin-bottom:6px}
.hero-panel .sub{font-size:14px;color:#A9C6B5;margin-bottom:20px}
.hero-panel li{list-style:none;display:flex;align-items:center;gap:14px;padding:14px 0;border-bottom:1px solid var(--wline);font-size:15.5px;font-weight:500}
.hero-panel li:last-of-type{border:none}
.hero-panel .ok{flex:none;width:26px;height:26px;border-radius:50%;background:var(--brand);display:flex;align-items:center;justify-content:center;color:#fff;font-size:13px;font-weight:900}

/* ---------------- ribbon ---------------- */
.ribbon{overflow:hidden;background:var(--deep);padding:16px 0;white-space:nowrap}
.ribbon div{display:inline-block;animation:mq 30s linear infinite}
.ribbon span{color:#DFF0E4;font-weight:700;font-size:13.5px;letter-spacing:.09em;margin:0 30px;text-transform:uppercase}
.ribbon span i{color:var(--gold);font-style:normal;margin-right:10px}
@keyframes mq{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* ---------------- steps ---------------- */
.steps{counter-reset:st}
.step{position:relative;padding:30px 28px 28px}
.step::before{counter-increment:st;content:"0" counter(st);position:absolute;top:22px;right:26px;
  font-size:15px;font-weight:900;color:var(--brand-light);letter-spacing:.04em}
.step h3{margin:0 0 8px}

/* ---------------- video carousel (kmsh style) ---------------- */
.kmsh-head{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;margin-bottom:28px;flex-wrap:wrap}
.kmsh-nav{display:flex;gap:10px}
.kmsh-arrow{width:48px;height:48px;border-radius:50%;border:1px solid var(--line);background:#fff;color:var(--brand-700);
  display:flex;align-items:center;justify-content:center;cursor:pointer;box-shadow:var(--sh1);transition:transform .15s,opacity .15s}
.kmsh-arrow svg{width:20px;height:20px}
.kmsh-arrow:hover:not(:disabled){transform:scale(1.07);border-color:var(--brand-light)}
.kmsh-arrow:disabled{opacity:.35;cursor:default}
.vtrack{display:flex;gap:18px;overflow-x:auto;scroll-snap-type:x mandatory;padding:6px 4px 10px;
  scrollbar-width:none;-ms-overflow-style:none}
.vtrack::-webkit-scrollbar{display:none}
.kmsh-card{flex:0 0 auto;width:216px;border:none;background:none;padding:0;cursor:pointer;scroll-snap-align:start;
  text-align:left;font-family:var(--f)}
.kmsh-thumb{width:216px;aspect-ratio:9/16;border-radius:20px;overflow:hidden;position:relative;background:var(--deep);
  box-shadow:var(--sh1);transition:transform .22s var(--ease),box-shadow .22s var(--ease)}
.kmsh-card:hover .kmsh-thumb{transform:translateY(-6px);box-shadow:var(--sh2)}
.kmsh-thumb img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .4s var(--ease)}
.kmsh-card:hover .kmsh-thumb img{transform:scale(1.05)}
.kmsh-play{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;
  background:linear-gradient(180deg,transparent 60%,rgba(12,35,27,.55));opacity:0;transition:opacity .2s}
.kmsh-card:hover .kmsh-play{opacity:1}
.kmsh-play span{width:52px;height:52px;border-radius:50%;background:rgba(255,255,255,.95);display:flex;
  align-items:center;justify-content:center;box-shadow:var(--sh2)}
.kmsh-play svg{width:22px;height:22px;fill:var(--brand-700);margin-left:2px}
.kmsh-meta{padding:12px 4px 0}
.kmsh-name{font-size:14px;font-weight:700;color:var(--heading);line-height:1.4;margin:0;
  display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
.kmsh-views{display:block;font-size:12.5px;color:var(--faint);margin-top:4px}
.kmsh-foot{margin-top:22px}
.kmsh-btn{display:inline-flex;align-items:center;gap:10px;font-weight:700;font-size:15px;padding:14px 26px;
  border-radius:999px;background:var(--deep);color:#fff;text-decoration:none;transition:transform .18s var(--ease),background .18s}
.kmsh-btn:hover{background:var(--deep-2);transform:translateY(-2px)}
.kmsh-btn svg{color:#FF4B4B}
@media(max-width:700px){.kmsh-card,.kmsh-thumb{width:176px}}
.vmodal{position:fixed;inset:0;background:rgba(8,22,17,.88);backdrop-filter:blur(6px);display:none;
  align-items:center;justify-content:center;z-index:100;padding:20px}
.vmodal.open{display:flex}
.vmodal .box{width:min(430px,92vw);aspect-ratio:9/16;background:#000;border-radius:28px;overflow:hidden;position:relative;box-shadow:var(--sh3)}
.vmodal iframe{width:100%;height:100%;border:none}
.vmodal .x{position:absolute;top:12px;right:12px;z-index:2;width:40px;height:40px;border-radius:50%;border:none;
  background:rgba(255,255,255,.92);color:var(--deep);font-size:16px;font-weight:800;cursor:pointer}

/* ---------------- calculator ---------------- */
.calc{background:var(--card);border:1px solid var(--line-soft);border-radius:32px;box-shadow:var(--sh2);
  padding:40px;display:grid;grid-template-columns:1.1fr .9fr;gap:44px}
@media(max-width:820px){.calc{grid-template-columns:1fr;padding:28px}}
.calc label{display:block;font-size:12px;font-weight:800;color:var(--faint);margin:22px 0 8px;text-transform:uppercase;letter-spacing:.12em}
.calc label:first-child{margin-top:0}
.calc input[type=range]{width:100%;accent-color:var(--brand);height:26px}
.calc .val{font-size:24px;font-weight:900;color:var(--brand-800);letter-spacing:-.03em;font-variant-numeric:tabular-nums}
.calc select{width:100%;padding:14px;border-radius:14px;border:1.5px solid var(--line);font-family:var(--f);font-size:15px;background:#fff}
.calc .res{background:linear-gradient(160deg,var(--deep-2),var(--deep));border-radius:24px;color:#fff;padding:32px}
.calc .res h3{color:var(--gold);font-size:14px;text-transform:uppercase;letter-spacing:.14em;margin-bottom:10px}
.calc .res .row{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:14px 0;border-bottom:1px solid var(--wline);font-size:14.5px;color:#A9C6B5}
.calc .res .row b{font-size:17px;color:#fff;font-variant-numeric:tabular-nums}
.calc .res .big{font-size:clamp(24px,3vw,32px);font-weight:900;letter-spacing:-.03em}
.note{font-size:13px;color:var(--faint);margin-top:16px}

/* ---------------- table ---------------- */
.tscroll{overflow-x:auto;border-radius:var(--r2);box-shadow:var(--sh1)}
table{width:100%;border-collapse:collapse;background:#fff;font-size:15px;min-width:640px}
th{background:var(--deep);color:#DFF0E4;text-align:left;padding:16px 18px;font-weight:700;font-size:13px;letter-spacing:.06em;text-transform:uppercase}
td{padding:16px 18px;border-bottom:1px solid var(--line-soft)}
tr:hover td{background:var(--brand-50)}
tr:last-child td{border:none}

/* ---------------- FAQ ---------------- */
details{background:#fff;border:1px solid var(--line-soft);border-radius:var(--r2);margin-bottom:14px;box-shadow:var(--sh1);overflow:hidden}
details[open]{border-color:var(--brand-100)}
summary{cursor:pointer;padding:22px 26px;font-weight:700;color:var(--heading);list-style:none;display:flex;justify-content:space-between;gap:14px;font-size:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:24px;color:var(--brand);font-weight:800;line-height:1}
details[open] summary::after{content:"–"}
details .body{padding:0 26px 22px;color:var(--muted);font-size:15px}

/* ---------------- form ---------------- */
.form{background:#fff;border-radius:32px;box-shadow:var(--sh2);border:1px solid var(--line-soft);padding:38px}
.form label{display:block;font-size:13px;font-weight:700;color:var(--heading);margin:16px 0 7px}
.form input,.form select,.form textarea{width:100%;padding:14px 16px;border-radius:14px;border:1.5px solid var(--line);font-family:var(--f);font-size:15px;background:var(--paper);transition:border-color .15s,box-shadow .15s}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 4px var(--brand-50);background:#fff}
.formmsg{margin-top:16px;font-weight:700;color:var(--up);display:none}

/* ---------------- CTA banner ---------------- */
.ctaban{background:linear-gradient(115deg,var(--brand-800),var(--brand) 60%,var(--mint));border-radius:32px;color:#fff;
  padding:56px;display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap;box-shadow:var(--sh3);
  position:relative;overflow:hidden}
.ctaban::before{content:"";position:absolute;right:-60px;top:-60px;width:260px;height:260px;border-radius:50%;background:rgba(255,255,255,.08)}
.ctaban h2{color:#fff}
.ctaban p{opacity:.85;margin-top:6px}
@media(max-width:620px){.ctaban{padding:34px}}

/* ---------------- page head ---------------- */
.pagehead{padding:72px 0 8px}
.crumb{font-size:13.5px;color:var(--faint);margin-bottom:14px}
.crumb a{text-decoration:none;color:var(--brand-600);font-weight:600}
.pagehead .lead{margin-top:14px}

/* ---------------- feature list / tips ---------------- */
.feat{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--line-soft);border-radius:var(--r2);padding:20px 22px;box-shadow:var(--sh1)}
.feat .ok{flex:none;width:26px;height:26px;border-radius:50%;background:var(--brand-50);border:1px solid var(--brand-100);color:var(--brand-700);display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:900;margin-top:2px}
.feat b{color:var(--heading)}
.tips li{list-style:none;background:#fff;border:1px solid var(--line-soft);border-left:4px solid var(--brand);border-radius:var(--r2);padding:22px 26px;margin-bottom:16px;box-shadow:var(--sh1)}
.tips li b{color:var(--brand-800)}

/* ---------------- footer ---------------- */
footer{background:var(--deep);color:#B9D2C2;margin-top:64px;padding:64px 0 30px}
footer h4{color:#fff;margin-bottom:16px;font-size:13px;text-transform:uppercase;letter-spacing:.14em}
footer a{color:#B9D2C2;text-decoration:none;font-size:14.5px;display:block;padding:5px 0;transition:color .15s}
footer a:hover{color:var(--gold)}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1.1fr 1.3fr;gap:36px}
@media(max-width:860px){.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:540px){.fgrid{grid-template-columns:1fr}}
.fx{background:var(--deep-2);border:1px solid var(--wline);border-radius:var(--r2);padding:22px}
.fx h4{display:flex;justify-content:space-between;align-items:center;gap:10px}
.fx h4 small{font-weight:500;text-transform:none;letter-spacing:0;color:#7FA18D;font-size:11.5px}
.fx .r{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--wline);font-size:14.5px}
.fx .r:last-child{border:none}
.fx .r b{color:#fff;font-variant-numeric:tabular-nums;font-weight:700}
.fx .d{font-size:11.5px;margin-left:8px;font-weight:700}
.up{color:var(--gold)}.down{color:#F0A9A4}
.fbot{border-top:1px solid var(--wline);margin-top:44px;padding-top:22px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:13px;color:#7FA18D}

.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
.reveal.in{opacity:1;transform:none}