/* =========================
   CREDIT CARD HERO
========================= */

.cc-hero-section {
  position: relative;
  padding: 55px 5% 45px;
  background:
    radial-gradient(circle at top right, rgba(0,212,255,.10), transparent 28%),
    linear-gradient(135deg, #071633 0%, #0a2463 45%, #1039a0 100%);
  overflow: hidden;
}

.cc-hero-container {
  max-width: 1280px;
  margin: auto;
  display: flex;
  align-items: center;
  gap: 50px;
}

/* LEFT */

.cc-hero-content {
  flex: 1;
  max-width: 620px;
}

.cc-hero-content h1 {
  font-size: clamp(2.6rem, 4.5vw, 4rem);
  line-height: 1.08;
  color: #fff;
  
  margin-bottom: 18px;
}

.cc-hero-content h1 span {
  background: linear-gradient(135deg, #00d4ff, #ffffff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.cc-hero-content p {
  color: rgba(255,255,255,.78);
  font-size: 1rem;
  line-height: 1.8;
  margin-bottom: 26px;
}

.cc-hero-cta {
  display: flex;
  gap: 14px;
  margin-bottom: 24px;
  flex-wrap: wrap;
}

.cc-hero-features {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.cc-feature-box {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 12px 16px;
  border-radius: 14px;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.06);
  backdrop-filter: blur(10px);
}

.cc-feature-box i {
  color: var(--cyan);
  font-size: .95rem;
}

.cc-feature-box span {
  color: #fff;
  font-size: .85rem;
  font-weight: 500;
}

/* RIGHT */

.cc-hero-visual {
  flex: 1;
  display: flex;
  justify-content: center;
}

.cc-card-stack {
  position: relative;
  width: 420px;
  height: 300px;
}

.cc-card {
  position: absolute;
  width: 300px;
  height: 185px;
  border-radius: 20px;
}

.cc-card-back {
  top: 30px;
  right: 40px;
  background: linear-gradient(135deg, rgba(255,255,255,.16), rgba(255,255,255,.04));
  backdrop-filter: blur(14px);
  transform: rotate(10deg);
}

.cc-card-main {
  top: 70px;
  left: 40px;
  padding: 22px;
  background: linear-gradient(135deg, #0b1328, #0f52cc);
  box-shadow: 0 20px 50px rgba(0,0,0,.28);
}

.cc-chip {
  width: 52px;
  height: 36px;
  border-radius: 10px;
  background: linear-gradient(135deg, #ffd86f, #ffb300);
  margin-bottom: 24px;
}

.cc-card-brand {
  position: absolute;
  top: 22px;
  right: 22px;
  color: #fff;
  font-size: .95rem;
  font-weight: 700;
}

.cc-card-number {
  color: #fff;
  font-size: 1.05rem;
  letter-spacing: 3px;
  margin-bottom: 22px;
}

.cc-card-footer {
  display: flex;
  justify-content: space-between;
}

.cc-card-footer small {
  color: rgba(255,255,255,.6);
  font-size: .68rem;
}

.cc-card-footer h4 {
  color: #fff;
  font-size: .85rem;
  margin-top: 5px;
  font-weight: 600;
}

.cc-floating-box {
  position: absolute;
  padding: 14px 16px;
  border-radius: 14px;
  background: rgba(255,255,255,.96);
  box-shadow: 0 16px 36px rgba(0,0,0,.12);
}

.cc-floating-box h4 {
  font-size: .85rem;
  color: var(--b900);
  margin-bottom: 4px;
}

.cc-floating-box p {
  font-size: .75rem;
  color: var(--muted);
}

.lounge-box {
  bottom: 0;
  right: 10px;
}

/* TABLET */

@media(max-width:992px) {
  .cc-hero-container {
    flex-direction: column;
    text-align: center;
    gap: 40px;
  }

  .cc-hero-content {
    max-width: 100%;
  }

  .cc-hero-cta,
  .cc-hero-features {
    justify-content: center;
  }
}

/* MOBILE */

@media(max-width:768px) {
  .cc-hero-section {
    padding: 45px 5%;
  }

  .cc-hero-content h1 {
    font-size: 2.4rem;
  }

  .cc-hero-content p {
    font-size: .95rem;
  }

  .cc-card-stack {
    width: 300px;
    height: 240px;
  }

  .cc-card {
    width: 240px;
    height: 150px;
  }

  .cc-card-main {
    left: 20px;
    top: 55px;
    padding: 16px;
  }

  .cc-card-back {
    right: 15px;
  }

  .cc-card-number {
    font-size: .85rem;
    letter-spacing: 2px;
  }

  .cc-chip {
    width: 42px;
    height: 28px;
    margin-bottom: 16px;
  }

  .cc-floating-box {
    display: none;
  }

  .cc-feature-box {
    width: 100%;
    justify-content: center;
  }
}


/* =========================
   CREDIT CARD FORM
========================= */

.cc-form-section {
  padding: 80px 5%;
  background: linear-gradient(180deg, #f4f8ff 0%, #ffffff 100%);
}

.cc-form-wrapper {
  max-width: 1320px;
  margin: auto;
  background: #ffffff;
  border-radius: 28px;
  padding: 55px;
  box-shadow: 0 24px 70px rgba(4,15,45,.08);
  border: 1px solid rgba(16,57,160,.06);
  position: relative;
  overflow: hidden;
}

.cc-form-wrapper::before {
  content: "";
  position: absolute;
  width: 160px;
  height: 160px;
  top: 40px;
  left: 30px;
  background-image: radial-gradient(#dbe9ff 1px, transparent 1px);
  background-size: 14px 14px;
  opacity: .7;
}

.cc-form-wrapper::after {
  content: "";
  position: absolute;
  width: 160px;
  height: 160px;
  right: 30px;
  bottom: 80px;
  background-image: radial-gradient(#dbe9ff 1px, transparent 1px);
  background-size: 14px 14px;
  opacity: .7;
}

/* HEADING */

.cc-form-heading {
  position: relative;
  z-index: 2;
  text-align: center;
  margin-bottom: 50px;
}

.cc-form-heading span {
  display: inline-block;
  color: #0f52cc;
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.cc-form-heading h2 {
  
  font-size: clamp(2.5rem, 4vw, 4.4rem);
  color: var(--b900);
  margin-bottom: 14px;
}

.cc-form-heading h2 span {
  background: linear-gradient(135deg, #00cfff, #0f52cc);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.cc-form-heading p {
  max-width: 720px;
  margin: auto;
  color: var(--muted);
  font-size: 1rem;
  line-height: 1.8;
}

/* GRID */

.cc-form-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  align-items: end;
}

/* INPUT GROUP */

.cc-form-group {
  display: flex;
  flex-direction: column;
}

.cc-form-group label {
  font-size: 1rem;
  font-weight: 700;
  color: #004b8d;
  margin-bottom: 14px;
}

.cc-form-group label span {
  color: #ff3d57;
}

.cc-form-group input,
.cc-form-group select {
  width: 100%;
  height: 56px;
  border-radius: 999px;
  border: 2px solid #1a2470;
  padding: 0 22px;
  font-size: .95rem;
  color: var(--b900);
  background: #fff;
  outline: none;
  transition: .3s ease;
}

.cc-form-group select {
  cursor: pointer;
}

.cc-form-group input:focus,
.cc-form-group select:focus {
  border-color: #9ec6ff;
  box-shadow: 0 0 0 5px rgba(59,124,255,.08);
}

/* BUTTON */

.cc-form-btn-wrap {
  display: flex;
  align-items: flex-end;
}

.cc-submit-btn {
  width: 180px;
  height: 56px;
  border-radius: 999px;
  cursor: pointer;
  font-size: 1rem;
  font-weight: 700;
  text-transform: uppercase;
  color: #0f52cc;
  background:
    linear-gradient(#fff, #fff) padding-box,
    linear-gradient(135deg, #00cfff, #0f52cc) border-box;
  border: 3px solid transparent;
  transition: .3s ease;
}

.cc-submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 28px rgba(15,82,204,.15);
}

/* SECURITY */

.cc-form-security {
  margin-top: 38px;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 12px;
  color: #5c6b87;
  font-size: .95rem;
  position: relative;
  z-index: 2;
}

.cc-form-security i {
  color: #0f52cc;
  font-size: 1.1rem;
}

/* TABLET */

@media (max-width: 992px) {
  .cc-form-wrapper {
    padding: 40px 30px;
  }

  .cc-form-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .cc-form-btn-wrap {
    grid-column: span 2;
    justify-content: center;
  }

  .cc-submit-btn {
    width: 220px;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .cc-form-section {
    padding: 60px 5%;
  }

  .cc-form-wrapper {
    padding: 30px 20px;
    border-radius: 20px;
  }

  .cc-form-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .cc-form-btn-wrap {
    grid-column: auto;
    justify-content: center;
  }

  .cc-submit-btn {
    width: 100%;
  }

  .cc-form-heading h2 {
    font-size: 2.4rem;
  }

  .cc-form-heading p {
    font-size: .92rem;
  }

  .cc-form-security {
    flex-direction: column;
    text-align: center;
    font-size: .85rem;
  }

  .cc-form-wrapper::before,
  .cc-form-wrapper::after {
    display: none;
  }
}

/* =========================
   CREDIT CARD BENEFITS
========================= */

.cc-benefits-section {
  padding: 80px 6% 90px;
  background: linear-gradient(180deg, #f4f8ff 0%, #ffffff 100%);
  position: relative;
  overflow: hidden;
}

.cc-benefits-section::before {
  content: "";
  position: absolute;
  top: 80px;
  left: -100px;
  width: 280px;
  height: 280px;
  background: rgba(0, 212, 255, 0.05);
  border-radius: 50%;
  filter: blur(50px);
}

.cc-benefits-section::after {
  content: "";
  position: absolute;
  bottom: 60px;
  right: -100px;
  width: 320px;
  height: 320px;
  background: rgba(15, 82, 204, 0.06);
  border-radius: 50%;
  filter: blur(60px);
}

.cc-benefits-container {
  max-width: 1280px;
  margin: auto;
  position: relative;
  z-index: 2;
}

/* HEADING */

.cc-benefits-heading {
  text-align: center;
  margin-bottom: 36px;
}

.cc-benefits-heading span {
  display: inline-block;
  color: var(--cyan);
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.cc-benefits-heading h2 {
  
  font-size: clamp(1.8rem, 2.8vw, 2.6rem);
  font-weight: 700;
  line-height: 1.2;
  color: var(--b900);
  margin-bottom: 16px;
}

.cc-benefits-heading h2 span {
  font-size: inherit;
  font-weight: inherit;
  letter-spacing: normal;
  text-transform: none;
  display: inline;
  margin-bottom: 0;
  background: linear-gradient(135deg, #00cfff, #0f52cc);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.cc-benefits-heading p {
  max-width: 760px;
  margin: auto;
  color: var(--muted);
  font-size: 1rem;
  line-height: 1.8;
}

/* GRID */

.cc-benefits-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  align-items: stretch;
}

/* CARD */

.cc-benefit-card {
  background: #fff;
  border-radius: 22px;
  padding: 28px;
  display: flex;
  align-items: flex-start;
  gap: 20px;
  box-shadow: 0 18px 45px rgba(4,15,45,.06);
  border: 1px solid rgba(16,57,160,.06);
  transition: .35s ease;
  height: 100%;
}

.cc-benefit-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 24px 55px rgba(15,82,204,.12);
}

/* ICON */

.cc-benefit-icon {
  width: 56px;
  height: 56px;
  min-width: 56px;
  border-radius: 16px;
  background: linear-gradient(135deg, rgba(0,207,255,.12), rgba(15,82,204,.10));
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(0,207,255,.15);
}

.cc-benefit-icon i {
  font-size: 1.4rem;
  color: #0f52cc;
}

/* CONTENT */

.cc-benefit-content h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--b900);
  margin-bottom: 8px;
}

.cc-benefit-content p {
  color: var(--muted);
  font-size: .97rem;
  line-height: 1.8;
}

/* TABLET */

@media (max-width: 992px) {
  .cc-benefits-section {
    padding: 75px 5%;
  }

  .cc-benefits-grid {
    grid-template-columns: 1fr;
    gap: 22px;
  }

  .cc-benefit-card {
    padding: 24px;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .cc-benefits-section {
    padding: 60px 5%;
  }

  .cc-benefits-heading {
    margin-bottom: 40px;
  }

  .cc-benefits-heading h2 {
    font-size: 2.3rem;
  }

  .cc-benefits-heading p {
    font-size: .92rem;
  }

  .cc-benefit-card {
    flex-direction: column;
    text-align: center;
    align-items: center;
    padding: 22px;
    border-radius: 18px;
  }

  .cc-benefit-icon {
    width: 62px;
    height: 62px;
    min-width: 62px;
    border-radius: 16px;
  }

  .cc-benefit-icon i {
    font-size: 1.5rem;
  }

  .cc-benefit-content h3 {
    font-size: 1.2rem;
  }

  .cc-benefit-content p {
    font-size: .9rem;
    line-height: 1.7;
  }
}

/* =========================
   DOCUMENT REQUIRED
========================= */


/* =========================
   DOCUMENTS SECTION
========================= */

.cc-docs-section {
  padding: 70px 6%;
  background: #fff;
}

.cc-docs-wrap {
  max-width: 1200px;
  margin: 0 auto;
}

.cc-docs-head {
  text-align: center;
  max-width: 620px;
  margin: 0 auto 44px;
}

.cc-docs-eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: #1a52cc;
  margin-bottom: 10px;
}

.cc-docs-head h2 {
  
  font-size: clamp(1.8rem, 2.6vw, 2.4rem);
  font-weight: 700;
  color: #05132f;
  line-height: 1.2;
  margin-bottom: 12px;
}

.cc-docs-head h2 span {
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.cc-docs-head p {
  font-size: 0.93rem;
  color: #5d6785;
  line-height: 1.65;
}

.cc-docs-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 28px;
}

.cc-docs-panel {
  border: 1px solid rgba(26,82,204,0.1);
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 6px 24px rgba(4,15,45,0.05);
}

.cc-docs-panel-header {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 20px 24px;
  background: linear-gradient(135deg, #f0f4ff, #f8faff);
  border-bottom: 1px solid rgba(26,82,204,0.08);
}

.cc-docs-panel-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(26,82,204,0.15);
  color: var(--panel-color);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}

.cc-docs-panel-header h3 {
  
  font-size: 0.95rem;
  font-weight: 700;
  color: #05132f;
  margin: 0;
}

.cc-docs-list {
  padding: 16px 24px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.cc-doc-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 14px 16px;
  background: #f8fbff;
  border-radius: 12px;
  border: 1px solid rgba(26,82,204,0.06);
  transition: background 0.2s;
}

.cc-doc-item:hover { background: #f0f5ff; }

.cc-doc-icon {
  width: 38px;
  height: 38px;
  min-width: 38px;
  border-radius: 10px;
  background: rgba(26,82,204,0.08);
  color: #1a52cc;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
  flex-shrink: 0;
}

.cc-doc-text h4 {
  
  font-size: 0.88rem;
  font-weight: 700;
  color: #05132f;
  margin-bottom: 3px;
}

.cc-doc-text p {
  font-size: 0.80rem;
  color: #5d6785;
  line-height: 1.55;
  margin: 0;
}

.cc-checklist {
  padding: 16px 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.cc-check-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  border-radius: 12px;
  background: #f8fbff;
  border: 1px solid rgba(26,82,204,0.06);
  transition: background 0.2s;
}

.cc-check-item:hover { background: #f0f5ff; }

.cc-check-item i {
  color: #1a52cc;
  font-size: 0.95rem;
  flex-shrink: 0;
}

.cc-check-item span {
  font-size: 0.88rem;
  font-weight: 600;
  color: #05132f;
}

/* BOTTOM STRIP */
.cc-docs-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: #f0f6ff;
  border: 1px solid #e2eaf8;
  border-radius: 16px;
  overflow: hidden;
}

.cc-docs-strip-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 20px 22px;
  border-right: 1px solid #e2eaf8;
  transition: background 0.2s;
}

.cc-docs-strip-item:last-child { border-right: none; }
.cc-docs-strip-item:hover { background: #e8f0fd; }

.cc-docs-strip-item > i {
  font-size: 1.2rem;
  color: #1a52cc;
  flex-shrink: 0;
}

.cc-docs-strip-item strong {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  color: #0d1547;
  margin-bottom: 2px;
}

.cc-docs-strip-item span {
  font-size: 0.72rem;
  color: #64748b;
}

@media (max-width: 900px) {
  .cc-docs-grid { grid-template-columns: 1fr; }
  .cc-docs-strip { grid-template-columns: repeat(2, 1fr); }
  .cc-docs-strip-item:nth-child(2) { border-right: none; }
  .cc-docs-strip-item:nth-child(1),
  .cc-docs-strip-item:nth-child(2) { border-bottom: 1px solid rgba(255,255,255,0.07); }
}

@media (max-width: 560px) {
  .cc-docs-section { padding: 50px 5%; }
  .cc-docs-strip { grid-template-columns: 1fr; }
  .cc-docs-strip-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.07); }
  .cc-docs-strip-item:last-child { border-bottom: none; }
}


/* =========================
   CREDIT CARD PROCESS
========================= */


/* TABLET */

@media (max-width: 1100px) {
  .cc-process-section {
    padding: 90px 5%;
  }

  .cc-process-heading {
    margin-bottom: 60px;
  }

  .cc-process-heading span {
    font-size: 1rem;
    letter-spacing: 4px;
  }

  .cc-process-heading h2 {
    font-size: 4.5rem;
  }

  .cc-process-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }

  .cc-process-card {
    min-height: 300px;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .cc-process-section {
    padding: 70px 5%;
  }

  .cc-process-heading {
    margin-bottom: 45px;
  }

  .cc-process-heading span {
    font-size: .9rem;
    letter-spacing: 3px;
    margin-bottom: 14px;
  }

  .cc-process-heading h2 {
    font-size: 2.9rem;
    line-height: 1.12;
  }

  .cc-process-heading p {
    font-size: .95rem;
    line-height: 1.7;
  }

  .cc-process-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .cc-process-card {
    min-height: auto;
    padding: 38px 22px 28px;
    border-radius: 20px;
  }

  .cc-process-icon {
    width: 80px;
    height: 80px;
    border-radius: 20px;
    margin-bottom: 22px;
  }

  .cc-process-icon i {
    font-size: 1.7rem;
  }

  .cc-process-card h3 {
    font-size: 1.25rem;
  }

  .cc-process-card p {
    font-size: .92rem;
    line-height: 1.7;
  }

  .cc-step-number {
    font-size: 1rem;
    top: 16px;
    right: 16px;
    opacity: .35;
  }
}


/* =========================
   CREDIT CARD FAQ
========================= */


/* =========================
   FAQ CTA SECTION
========================= */


/* SMOOTH SCROLL */
html {
  scroll-behavior: smooth;
}

/* TABLET */

@media (max-width: 992px) {
  .cc-faq-cta-content {
    padding: 55px 30px;
  }
}

/* MOBILE */

@media (max-width: 768px) {
  .cc-faq-cta-section {
    padding: 0 5% 70px;
  }

  .cc-faq-cta-content {
    padding: 40px 20px;
    border-radius: 22px;
  }

  .cc-faq-cta-content span {
    font-size: .85rem;
    letter-spacing: 3px;
  }

  .cc-faq-cta-content h2 {
    font-size: 2.7rem;
  }

  .cc-faq-cta-content p {
    font-size: .92rem;
    line-height: 1.7;
  }

  .cc-faq-cta-btn {
    width: 100%;
    min-width: auto;
    height: 54px;
    font-size: .95rem;
  }
}
/* =========================
   HOW IT WORKS — PROCESS
========================= */

.pl-hiw-section {
  padding: 60px 6%;
  background: #f4f8ff;
  position: relative;
  overflow: hidden;
}

.pl-hiw-wrap {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}

.pl-hiw-head {
  text-align: center;
  max-width: 620px;
  margin: 0 auto 36px;
}

.pl-hiw-eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: #1a52cc;
  margin-bottom: 12px;
}

.pl-hiw-head h2 {
  
  font-size: clamp(1.8rem, 2.8vw, 2.6rem);
  font-weight: 700;
  color: #05132f;
  line-height: 1.2;
  margin-bottom: 12px;
}

.pl-hiw-head h2 span {
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.pl-hiw-head p {
  color: #5d6785;
  font-size: 0.95rem;
  line-height: 1.65;
}

.pl-hiw-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 36px;
}

.pl-hiw-card {
  background: #fff;
  border: 1px solid rgba(26,82,204,0.08);
  border-radius: 18px;
  padding: 22px 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  position: relative;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.pl-hiw-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 16px 40px rgba(4,15,45,0.1);
}

.pl-hiw-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  border-radius: 18px 18px 0 0;
  background: linear-gradient(90deg, #1a52cc, #00cfff);
  opacity: 0;
  transition: opacity 0.25s ease;
}

.pl-hiw-card:hover::before { opacity: 1; }

.pl-hiw-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.pl-hiw-num {
  font-size: 1.4rem;
  font-weight: 800;
  color: rgba(26,82,204,0.15);
  line-height: 1;
  
}

.pl-hiw-icon {
  width: 42px;
  height: 42px;
  border-radius: 11px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.pl-hiw-card h3 {
  font-size: 0.95rem;
  font-weight: 700;
  color: #05132f;
  margin: 0;
  line-height: 1.3;
}

.pl-hiw-card p {
  font-size: 0.82rem;
  color: #5d6785;
  line-height: 1.6;
  margin: 0;
  flex: 1;
}

.pl-hiw-last {
  border-color: rgba(26,82,204,0.14);
  background: #f0f5ff;
}

.pl-hiw-cta {
  text-align: center;
}

.pl-hiw-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 13px 30px;
  border-radius: 14px;
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  color: #fff;
  font-size: 0.92rem;
  font-weight: 700;
  text-decoration: none;
  box-shadow: 0 10px 26px rgba(26,82,204,0.28);
  transition: all .25s ease;
}

.pl-hiw-btn:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 36px rgba(26,82,204,0.38);
}

.pl-hiw-cta p {
  margin-top: 10px;
  font-size: 0.78rem;
  color: #8a9ab8;
}

@media (max-width: 900px) {
  .pl-hiw-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 560px) {
  .pl-hiw-section { padding: 50px 5%; }
  .pl-hiw-grid { grid-template-columns: 1fr; }
}

/* =========================
   CTA BANNER
========================= */

.pl-cta-banner {
  padding: 60px 6%;
  background: linear-gradient(135deg, #050e2b 0%, #0a1f5c 60%, #0d2b6b 100%);
  position: relative;
  overflow: hidden;
  border-bottom: 4px solid rgba(255,255,255,0.06);
}

.pl-cta-banner-wrap {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 2;
}

.pl-cta-orb {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  filter: blur(80px);
}
.pl-cta-orb1 { width:400px; height:400px; background:rgba(0,212,255,0.08); top:-150px; right:100px; }
.pl-cta-orb2 { width:250px; height:250px; background:rgba(26,82,204,0.12); bottom:-80px; left:0; }

.pl-cta-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  background: rgba(74,222,128,0.12);
  border: 1px solid rgba(74,222,128,0.2);
  border-radius: 50px;
  color: #4ade80;
  font-size: 0.75rem;
  font-weight: 600;
  margin-bottom: 16px;
}

.pl-cta-left h2 {
  
  font-size: clamp(1.5rem, 2.4vw, 2rem);
  font-weight: 700;
  color: #fff;
  line-height: 1.3;
  margin-bottom: 10px;
  max-width: 560px;
}

.pl-cta-left p { color: rgba(255,255,255,0.55); font-size: 0.9rem; }

.pl-cta-right {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 20px;
}

.pl-cta-stats {
  display: flex;
  align-items: center;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 14px;
  padding: 14px 24px;
}

.pl-cta-stat { text-align: center; padding: 0 20px; }
.pl-cta-stat strong { display: block; color: #00d4ff; font-size: 1.2rem; font-weight: 700; margin-bottom: 2px; }
.pl-cta-stat span { color: rgba(255,255,255,0.5); font-size: 0.72rem; }
.pl-cta-stat-div { width: 1px; height: 32px; background: rgba(255,255,255,0.1); }

.pl-cta-banner-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 32px;
  border-radius: 14px;
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  color: #fff;
  font-size: 0.95rem;
  font-weight: 700;
  text-decoration: none;
  box-shadow: 0 12px 30px rgba(26,82,204,0.4);
  transition: all .25s ease;
  white-space: nowrap;
}

.pl-cta-banner-btn:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 40px rgba(26,82,204,0.5);
}

@media (max-width: 900px) {
  .pl-cta-banner-wrap { grid-template-columns: 1fr; gap: 28px; }
  .pl-cta-right { align-items: flex-start; }
}

@media (max-width: 560px) {
  .pl-cta-banner { padding: 44px 5%; }
  .pl-cta-stats { padding: 12px 16px; }
  .pl-cta-stat { padding: 0 12px; }
  .pl-cta-banner-btn { width: 100%; justify-content: center; }
}

/* =========================
   FAQ SECTION
========================= */

.pl-faq-section {
  padding: 70px 6%;
  background: #f4f8ff;
}

.pl-faq-wrap {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 60px;
  align-items: start;
}

.pl-faq-eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: #1a52cc;
  margin-bottom: 12px;
}

.pl-faq-left h2 {
  
  font-size: clamp(1.6rem, 2.4vw, 2.2rem);
  font-weight: 700;
  color: #05132f;
  line-height: 1.25;
  margin-bottom: 12px;
}

.pl-faq-left h2 span {
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.pl-faq-left > p {
  font-size: 0.9rem;
  color: #5d6785;
  line-height: 1.65;
  margin-bottom: 24px;
}

.pl-faq-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: 12px;
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  color: #fff;
  font-size: 0.88rem;
  font-weight: 700;
  text-decoration: none;
  margin-bottom: 28px;
  transition: all .25s ease;
  box-shadow: 0 8px 22px rgba(26,82,204,0.25);
}

.pl-faq-cta:hover { transform: translateY(-2px); }

.pl-faq-contacts {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.pl-faq-contact-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: #fff;
  border: 1px solid rgba(26,82,204,0.08);
  border-radius: 12px;
}

.pl-faq-contact-icon {
  width: 38px; height: 38px;
  min-width: 38px;
  border-radius: 10px;
  background: rgba(26,82,204,0.08);
  color: #1a52cc;
  display: flex; align-items: center; justify-content: center;
}

.pl-faq-contact-item span {
  display: block;
  font-size: 0.7rem;
  color: #8a9ab8;
  margin-bottom: 2px;
}

.pl-faq-contact-item strong {
  font-size: 0.85rem;
  color: #05132f;
  font-weight: 700;
}

.pl-faq-right {
  display: flex;
  flex-direction: column;
}

.pl-faq-right .faq-item {
  background: #fff;
  border: 1px solid rgba(26,82,204,0.08);
  border-radius: 14px;
  margin-bottom: 10px;
  overflow: hidden;
  transition: box-shadow 0.25s ease;
}

.pl-faq-right .faq-item:hover { box-shadow: 0 8px 24px rgba(4,15,45,0.08); }

.pl-faq-right .faq-item.active {
  border-color: rgba(26,82,204,0.2);
  box-shadow: 0 8px 24px rgba(26,82,204,0.08);
}

.pl-faq-right .faq-question {
  width: 100%;
  background: transparent;
  border: none;
  padding: 18px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  text-align: left;
  font-size: 0.92rem;
  font-weight: 600;
  color: #05132f;
  cursor: pointer;
  
}

.pl-fq-ico {
  flex-shrink: 0;
  width: 30px; height: 30px;
  border-radius: 8px;
  background: #f0f5ff;
  display: flex; align-items: center; justify-content: center;
  color: #1a52cc;
  transition: transform 0.3s ease, background 0.25s ease;
}

.pl-faq-right .faq-item.active .pl-fq-ico {
  transform: rotate(180deg);
  background: rgba(26,82,204,0.1);
}

.pl-faq-right .faq-answer {
  padding: 0 20px 16px;
  font-size: 0.88rem;
  color: #5d6785;
  line-height: 1.7;
  display: none;
}

.pl-faq-right .faq-item.active .faq-answer { display: block; }
.pl-faq-right .hidden-faq { display: none; }
.pl-faq-right .hidden-faq.show { display: block; }

.pl-faq-load-more {
  width: 100%;
  padding: 14px;
  border: 1px dashed rgba(26,82,204,0.25);
  border-radius: 14px;
  background: transparent;
  color: #1a52cc;
  font-size: 0.88rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s ease;
  
  margin-top: 4px;
}

.pl-faq-load-more:hover {
  background: rgba(26,82,204,0.05);
  border-color: rgba(26,82,204,0.4);
}

@media (max-width: 900px) {
  .pl-faq-wrap { grid-template-columns: 1fr; gap: 32px; }
}

@media (max-width: 560px) {
  .pl-faq-section { padding: 50px 5%; }
}

/* =========================
   WHY CHOOSE KREDITSEVA
========================= */

.pl-why-section {
  padding: 70px 6%;
  background: #fff;
  position: relative;
  overflow: hidden;
}

.pl-why-wrap {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
  z-index: 2;
}

.pl-why-head {
  text-align: center;
  max-width: 580px;
  margin: 0 auto 48px;
}

.pl-why-eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: #1a52cc;
  margin-bottom: 12px;
}

.pl-why-head h2 {
  
  font-size: clamp(1.8rem, 2.6vw, 2.4rem);
  font-weight: 700;
  color: #05132f;
  line-height: 1.25;
}

.pl-why-head h2 span {
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.pl-why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-bottom: 40px;
}

.pl-why-card {
  position: relative;
  background: #f8fbff;
  border: 1px solid rgba(26,82,204,0.08);
  border-radius: 20px;
  padding: 28px 22px;
  overflow: hidden;
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.pl-why-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 44px rgba(4,15,45,0.1);
  border-color: rgba(26,82,204,0.16);
}

.pl-why-card-glow {
  position: absolute;
  width: 140px; height: 140px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(26,82,204,0.07), transparent 70%);
  top: -50px; right: -40px;
  pointer-events: none;
  transition: opacity 0.3s;
  opacity: 0;
}

.pl-why-card:hover .pl-why-card-glow { opacity: 1; }

.pl-why-icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}

.pl-why-card h3 {
  font-size: 0.95rem;
  font-weight: 700;
  color: #05132f;
  margin: 0 0 8px;
  line-height: 1.3;
}

.pl-why-card p {
  font-size: 0.82rem;
  color: #5d6785;
  line-height: 1.6;
  margin: 0;
}

.pl-why-stats {
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, #05132f, #0a1f5c);
  border-radius: 18px;
  padding: 24px 0;
  margin-top: 40px;
}

.pl-why-stat {
  flex: 1;
  text-align: center;
}

.pl-why-stat strong {
  display: block;
  font-size: 1.5rem;
  font-weight: 800;
  color: #00d4ff;
  margin-bottom: 4px;
  
}

.pl-why-stat span {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.5);
}

.pl-why-stat-div {
  width: 1px;
  height: 36px;
  background: rgba(255,255,255,0.1);
}

.pl-why-cta {
  text-align: center;
  margin-top: 32px;
}

.pl-why-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 34px;
  border-radius: 14px;
  background: linear-gradient(135deg, #1a52cc, #00cfff);
  color: #fff;
  font-size: 0.95rem;
  font-weight: 700;
  text-decoration: none;
  box-shadow: 0 12px 28px rgba(26,82,204,0.28);
  transition: all .25s ease;
}

.pl-why-cta-btn:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 38px rgba(26,82,204,0.38);
}

@media (max-width: 900px) {
  .pl-why-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 560px) {
  .pl-why-section { padding: 50px 5%; }
  .pl-why-grid { grid-template-columns: 1fr; }
  .pl-why-stats { flex-wrap: wrap; padding: 16px 0; }
  .pl-why-stat { flex: 1 1 40%; padding: 10px 0; }
  .pl-why-stat-div { display: none; }
  .pl-why-cta-btn { width: 100%; justify-content: center; }
}

/* ── CC HOW IT WORKS ── */
.cc-hiw-section { padding: 56px 6%; }
.cc-hiw-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 36px;
}
.cc-hiw-card {
  background: #fff;
  border: 1px solid rgba(26,82,204,0.08);
  border-radius: 18px;
  padding: 22px 20px;
}
.cc-hiw-num {
  font-size: 0.75rem;
  font-weight: 800;
  color: rgba(26,82,204,0.35);
  letter-spacing: 2px;
  margin-bottom: 8px;
}
.cc-hiw-icon {
  width: 44px; height: 44px;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.cc-hiw-card h3 { font-size: 1rem; font-weight: 700; color: #0d1547; margin: 0 0 8px; }
.cc-hiw-card p  { font-size: 0.85rem; color: #64748b; line-height: 1.6; margin: 0; }

@media (max-width: 600px) {
  .cc-hiw-grid { grid-template-columns: 1fr; }
}
@media (min-width: 601px) and (max-width: 1024px) {
  .cc-hiw-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ── CC Apply Now Button ── */
.cc-apply-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: linear-gradient(135deg, #1a52cc, #4d7fff);
  color: #fff;
  font-size: 1rem;
  font-weight: 700;
  padding: 14px 36px;
  border-radius: 50px;
  text-decoration: none;
  box-shadow: 0 8px 24px rgba(26,82,204,0.35);
  transition: transform 0.2s, box-shadow 0.2s;
  font-family: 'Open Sans', sans-serif;
}

.cc-apply-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(26,82,204,0.45);
}