:root {
    --bg: #F8F6EF;
    --paper: #fff;
    --paper2: #F1EFE6;
    --ink: #17211B;
    --muted: #657064;
    --line: #D8D3C5;
    --sage: #7FA88A;
    --green: #245C45;
    --blue: #4D82A8;
    --clay: #C9896B;
    --cream: #FFF8E5;
    --gold: #D5A93F;
    --shadow: 0 18px 50px rgba(23, 33, 27, .08);
    --r: 28px
}

* { box-sizing: border-box }

html { scroll-behavior: smooth; overflow-x: hidden }

body {
    font-family: Manrope, sans-serif;
    background: var(--bg);
    color: var(--ink);
    overflow-x: hidden;
    line-height: 1.7
}

h1, h2, h3, h4, h5 {
    font-weight: 800;
    letter-spacing: -.035em;
    line-height: 1.05
}

.serif { font-family: 'Source Serif 4', serif }
.container-xl { max-width: 1240px }

.soft-grid {
    background-image: linear-gradient(rgba(23, 33, 27, .045) 1px, transparent 1px), linear-gradient(90deg, rgba(23, 33, 27, .045) 1px, transparent 1px);
    background-size: 34px 34px
}

.section { padding: 102px 0; position: relative }
.section-title { font-size: clamp(2.1rem, 5vw, 3.75rem) }
.section-text { color: var(--muted); font-size: 1.05rem; max-width: 660px }

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    border: 1px solid var(--line);
    border-radius: 999px;
    background: rgba(255, 255, 255, .72);
    color: var(--green);
    font-weight: 800;
    font-size: .82rem
}

.btn-main {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    background: var(--green);
    color: #fff;
    border: 0;
    border-radius: 999px;
    padding: 14px 24px;
    font-weight: 800;
    box-shadow: 0 12px 28px rgba(36, 92, 69, .18);
    transition: .25s
}

.btn-main:hover {
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 18px 34px rgba(36, 92, 69, .25)
}

.btn-lightx {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: rgba(255, 255, 255, .78);
    color: var(--ink);
    border: 1px solid var(--line);
    border-radius: 999px;
    padding: 13px 22px;
    font-weight: 800;
    transition: .25s
}

.btn-lightx:hover {
    background: #fff;
    color: var(--green);
    transform: translateY(-2px)
}

a { text-decoration: none }

/* Preloader */
#preloader {
    position: fixed;
    inset: 0;
    background: var(--bg);
    z-index: 99999;
    display: grid;
    place-items: center;
    transition: .55s
}

#preloader.hide { opacity: 0; visibility: hidden }

.loader-card {
    width: 180px;
    height: 120px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 24px;
    box-shadow: var(--shadow);
    display: grid;
    place-items: center;
    position: relative;
    overflow: hidden
}

.loader-card:after {
    content: '';
    position: absolute;
    left: 0;
    bottom: 0;
    height: 5px;
    width: 0;
    background: linear-gradient(90deg, var(--sage), var(--green), var(--blue));
    animation: loadLine 1.5s ease forwards
}

@keyframes loadLine { to { width: 100% } }

.loader-mark {
    width: 54px;
    height: 54px;
    border-radius: 18px;
    background: var(--cream);
    display: grid;
    place-items: center;
    color: var(--green);
    font-size: 1.7rem;
    animation: loaderFloat 1.2s ease-in-out infinite
}

@keyframes loaderFloat { 50% { transform: translateY(-8px) } }

/* Progress bar */
#progress {
    position: fixed;
    top: 0;
    left: 0;
    height: 4px;
    width: 0;
    background: linear-gradient(90deg, var(--sage), var(--green), var(--blue));
    z-index: 9999
}

/* Toast */
.toast-area {
    position: fixed;
    top: 20px;
    right: 20px;
    z-index: 99999;
    display: grid;
    gap: 10px
}

.toast-note {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 14px 18px;
    box-shadow: var(--shadow);
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 700;
    animation: toastIn .35s
}

@keyframes toastIn {
    from { transform: translateX(110%); opacity: 0 }
    to { transform: none; opacity: 1 }
}

/* Nav */
.nav-wrap {
    position: fixed;
    left: 50%;
    top: 18px;
    transform: translateX(-50%);
    z-index: 9990;
    width: calc(100% - 32px);
    max-width: 1120px;
    background: rgba(255, 255, 255, .84);
    backdrop-filter: blur(18px);
    border: 1px solid rgba(216, 211, 197, .9);
    border-radius: 999px;
    padding: 10px 12px 10px 20px;
    box-shadow: 0 14px 45px rgba(23, 33, 27, .08);
    transition: .25s
}

.nav-wrap.scrolled { top: 10px; padding: 7px 10px 7px 18px }

.brand {
    font-weight: 900;
    color: var(--ink);
    display: flex;
    align-items: center;
    gap: 9px;
    font-size: 1.12rem
}

.brand-mark {
    width: 34px;
    height: 34px;
    border-radius: 12px;
    background: var(--green);
    color: #fff;
    display: grid;
    place-items: center
}

.nav-linkx {
    color: var(--muted);
    font-weight: 800;
    font-size: .88rem;
    padding: 8px 12px;
    border-radius: 999px;
    transition: .2s
}

.nav-linkx:hover, .nav-linkx.active {
    background: var(--paper2);
    color: var(--green)
}

.mobile-menu {
    position: fixed;
    top: 78px;
    left: 16px;
    right: 16px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 22px;
    box-shadow: var(--shadow);
    padding: 14px;
    z-index: 9989;
    display: none
}

/* Hero */
.hero {
    min-height: 100vh;
    padding: 140px 0 70px;
    position: relative;
    display: flex;
    align-items: center
}

.hero:before {
    content: '';
    position: absolute;
    width: 520px;
    height: 520px;
    border-radius: 50%;
    background: rgba(127, 168, 138, .22);
    filter: blur(80px);
    right: -140px;
    top: 80px;
    animation: blob 12s ease-in-out infinite
}

.hero:after {
    content: '';
    position: absolute;
    width: 420px;
    height: 420px;
    border-radius: 50%;
    background: rgba(77, 130, 168, .18);
    filter: blur(85px);
    left: -160px;
    bottom: 0;
    animation: blob 14s ease-in-out infinite reverse
}

@keyframes blob { 50% { transform: translate(30px, -25px) scale(1.08) } }

.hero-title {
    font-size: clamp(3rem, 5vw, 4rem);
    line-height: .94;
    max-width: 860px
}

.highlight {
    display: inline-block;
    background: var(--cream);
    border-radius: 22px;
    padding: .02em .16em;
    border: 1px solid rgba(213, 169, 63, .25)
}

.hero-panel {
    background: rgba(255, 255, 255, .78);
    border: 1px solid var(--line);
    border-radius: 36px;
    box-shadow: var(--shadow);
    padding: 26px;
    position: relative;
    overflow: hidden
}

.hero-panel:before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 20% 0%, rgba(127, 168, 138, .22), transparent 34%), radial-gradient(circle at 90% 20%, rgba(77, 130, 168, .15), transparent 36%);
    pointer-events: none
}

.money-map { height: 390px; position: relative; z-index: 1 }

.map-node {
    position: absolute;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 22px;
    padding: 16px 18px;
    box-shadow: 0 12px 30px rgba(23, 33, 27, .08);
    min-width: 145px;
    animation: nodeFloat 5s ease-in-out infinite
}

.map-node:nth-child(2) { animation-delay: .6s }
.map-node:nth-child(3) { animation-delay: 1.2s }
.map-node:nth-child(4) { animation-delay: 1.8s }
.map-node:nth-child(5) { animation-delay: 2.4s }

@keyframes nodeFloat { 50% { transform: translateY(-12px) } }

.map-node b { display: block; font-size: .9rem }
.map-node span { font-size: .78rem; color: var(--muted) }
.map-line { position: absolute; inset: 30px; z-index: 0 }

.hero-ticker {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin-top: 28px
}

.hero-ticker span {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 999px;
    padding: 9px 14px;
    color: var(--muted);
    font-weight: 700;
    font-size: .86rem
}

/* About */
.about-shell {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 32px;
    align-items: start
}

.cardx, .about-card, .form-card {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--r);
    box-shadow: var(--shadow);
    padding: 34px
}

.about-list { display: grid; gap: 14px }

.about-item {
    padding: 22px;
    border: 1px solid var(--line);
    border-radius: 22px;
    background: #fff;
    display: grid;
    grid-template-columns: 48px 1fr;
    gap: 14px;
    transition: .25s
}

.about-item:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow)
}

.about-icon, .info-icon {
    width: 48px;
    height: 48px;
    border-radius: 16px;
    background: var(--paper2);
    display: grid;
    place-items: center;
    color: var(--green);
    font-size: 1.25rem;
    flex: 0 0 auto
}

/* About Page extras */
.about-story {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    align-items: center
}

.about-story-img {
    background: linear-gradient(135deg, var(--sage), var(--green));
    border-radius: 36px;
    min-height: 420px;
    display: grid;
    place-items: center;
    color: #fff;
    font-size: 5rem;
    box-shadow: var(--shadow)
}

.team-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px
}

.team-card {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 28px;
    padding: 26px;
    text-align: center;
    transition: .25s
}

.team-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow)
}

.team-avatar {
    width: 86px;
    height: 86px;
    border-radius: 50%;
    background: var(--cream);
    display: grid;
    place-items: center;
    margin: 0 auto 16px;
    font-size: 2rem;
    color: var(--green);
    border: 2px solid var(--line)
}

.stat-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 18px
}

.stat-card {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 24px;
    padding: 24px;
    text-align: center;
    transition: .25s
}

.stat-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow)
}

.stat-num {
    font-size: 2.4rem;
    font-weight: 900;
    color: var(--green);
    display: block;
    line-height: 1
}

/* Services */
.service-shell {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 36px;
    box-shadow: var(--shadow);
    overflow: hidden
}

.service-tabs {
    display: flex;
    gap: 8px;
    overflow-x: auto;
    padding: 18px;
    border-bottom: 1px solid var(--line);
    background: rgba(241, 239, 230, .55);
    scrollbar-width: none
}

.service-tabs::-webkit-scrollbar { display: none }

.service-tab {
    white-space: nowrap;
    border: 1px solid var(--line);
    background: #fff;
    border-radius: 999px;
    padding: 10px 16px;
    color: var(--muted);
    font-weight: 900;
    font-size: .86rem;
    cursor: pointer;
    transition: .22s
}

.service-tab.active {
    background: var(--green);
    color: #fff;
    border-color: var(--green)
}

.service-area { padding: 28px }

.category-layout { display: none }

.category-layout.active {
    display: block;
    animation: fadeRise .45s ease
}

@keyframes fadeRise {
    from { opacity: 0; transform: translateY(16px) }
    to { opacity: 1; transform: none }
}

.category-head {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 24px
}

.category-icon {
    width: 58px;
    height: 58px;
    border-radius: 20px;
    background: var(--cream);
    display: grid;
    place-items: center;
    font-size: 1.6rem;
    flex: 0 0 auto;
    color: var(--green)
}

.service-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    border-radius: 999px;
    padding: 9px 14px;
    background: var(--green);
    color: #fff;
    font-weight: 900;
    font-size: .82rem;
    transition: .22s
}

.service-btn:hover {
    color: #fff;
    transform: translateY(-2px)
}

.service-desc {
    color: var(--muted);
    font-size: .93rem;
    line-height: 1.75;
    margin: 0 0 18px
}

.service-emoji {
    font-size: 1.6rem;
    margin-bottom: 12px;
    display: inline-flex;
    width: 48px;
    height: 48px;
    align-items: center;
    justify-content: center;
    border-radius: 16px;
    background: var(--paper2)
}

.service-title {
    font-size: 1.18rem;
    margin-bottom: 10px;
    letter-spacing: -.02em
}

.loan-road { display: grid; gap: 14px }

.loan-item {
    display: grid;
    grid-template-columns: 68px 1fr auto;
    gap: 16px;
    align-items: start;
    background: linear-gradient(90deg, #fff, var(--cream));
    border: 1px solid var(--line);
    border-radius: 24px;
    padding: 20px;
    transition: .25s
}

.loan-item:hover {
    transform: translateX(5px);
    box-shadow: var(--shadow)
}

.loan-index {
    width: 52px;
    height: 52px;
    border-radius: 18px;
    background: var(--green);
    color: #fff;
    display: grid;
    place-items: center;
    font-weight: 900
}

.shield-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px
}

.shield-card {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 26px;
    padding: 22px;
    position: relative;
    transition: .25s
}

.shield-card:hover,
.invest-card:hover,
.wealth-step:hover,
.pay-row:hover,
.debt-card:hover,
.home-room:hover,
.auto-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow)
}

.shield-card:before {
    content: '';
    position: absolute;
    top: 16px;
    right: 16px;
    width: 42px;
    height: 48px;
    background: rgba(127, 168, 138, .14);
    clip-path: polygon(50% 0, 100% 20%, 90% 75%, 50% 100%, 10% 75%, 0 20%)
}

.invest-row {
    display: grid;
    grid-template-columns: 1fr 1.15fr 1fr;
    gap: 18px
}

.invest-card {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 28px;
    padding: 26px;
    transition: .25s
}

.invest-card:nth-child(2) {
    transform: translateY(-18px);
    background: var(--cream)
}

.invest-card:nth-child(2):hover { transform: translateY(-26px) }

.wealth-path {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 18px
}

.wealth-step {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 24px;
    padding: 22px;
    display: grid;
    grid-template-columns: 54px 1fr;
    gap: 16px;
    transition: .25s
}

.payment-phone {
    display: grid;
    grid-template-columns: 320px 1fr;
    gap: 24px;
    align-items: start
}

.phone-frame {
    border: 1px solid var(--line);
    border-radius: 36px;
    background: var(--ink);
    padding: 14px;
    box-shadow: var(--shadow)
}

.phone-screen {
    background: #fff;
    border-radius: 26px;
    padding: 22px;
    min-height: 520px
}

.pay-list { display: grid; gap: 14px }

.pay-row {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 22px;
    padding: 18px;
    display: grid;
    grid-template-columns: 48px 1fr;
    gap: 14px;
    transition: .25s
}

.debt-flow {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px
}

.debt-card {
    padding: 24px;
    border-radius: 28px;
    border: 1px solid var(--line);
    background: #fff;
    transition: .25s
}

.debt-card:nth-child(1) { background: #FFF3ED }
.debt-card:nth-child(2) { background: #F2F7FF }
.debt-card:nth-child(3) { background: #EFF8F1 }

.home-plan {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 18px
}

.home-room {
    min-height: 220px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 28px;
    padding: 24px;
    position: relative;
    overflow: hidden;
    transition: .25s
}

.home-room:after {
    content: '';
    position: absolute;
    inset: 14px;
    border: 1px dashed rgba(36, 92, 69, .28);
    border-radius: 22px;
    pointer-events: none
}

.auto-board {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px
}

.auto-card {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 28px;
    padding: 24px;
    text-align: center;
    transition: .25s
}

.gauge {
    width: 120px;
    height: 70px;
    margin: 0 auto 16px;
    display: block
}

/* Benefits */
.benefit-grid {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: 18px
}

.benefit {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 28px;
    padding: 26px;
    box-shadow: 0 10px 28px rgba(23, 33, 27, .04);
    transition: .25s
}

.benefit:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow)
}

.b1, .b2 { grid-column: span 3 }
.b3, .b4, .b5 { grid-column: span 2 }

.b6 {
    grid-column: span 6;
    display: flex;
    gap: 22px;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap
}

/* Process */
.process-line {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 18px
}

.process-step {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 28px;
    padding: 26px;
    transition: .25s
}

.process-step:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow)
}

.step-num {
    width: 44px;
    height: 44px;
    border-radius: 16px;
    background: var(--green);
    color: #fff;
    display: grid;
    place-items: center;
    font-weight: 900;
    margin-bottom: 18px
}

/* Testimonials */
.quote-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px
}

.quote {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 28px;
    padding: 24px;
    box-shadow: 0 10px 28px rgba(23, 33, 27, .04)
}

.avatar {
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: var(--paper2);
    display: grid;
    place-items: center;
    font-weight: 900;
    color: var(--green)
}

/* FAQ */
.faq-list {
    max-width: 920px;
    margin: 0 auto;
    display: grid;
    gap: 12px
}

.faq-item {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 22px;
    overflow: hidden
}

.faq-q {
    padding: 20px 22px;
    font-weight: 900;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
    cursor: pointer
}

.faq-a {
    max-height: 0;
    overflow: hidden;
    padding: 0 22px;
    color: var(--muted);
    transition: .35s
}

.faq-item.open .faq-a {
    max-height: 260px;
    padding: 0 22px 20px
}

.faq-item i { transition: .3s }
.faq-item.open i { transform: rotate(45deg) }

/* Forms */
.form-label {
    font-weight: 900;
    color: var(--ink);
    margin-bottom: 7px;
    font-size: .9rem
}

.form-label span { color: #B4543F }

.form-control, .form-select {
    border: 1px solid var(--line);
    border-radius: 16px;
    padding: 13px 15px;
    background: #fff;
    color: var(--ink)
}

.form-control:focus, .form-select:focus {
    border-color: var(--sage);
    box-shadow: 0 0 0 4px rgba(127, 168, 138, .16)
}

/* Contact */
.contact-grid {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 24px
}

.info-card {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 24px;
    padding: 22px;
    display: flex;
    gap: 14px;
    align-items: flex-start;
    transition: .25s
}

.info-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow)
}

.contact-map {
    border: 1px solid var(--line);
    border-radius: 28px;
    overflow: hidden;
    margin-top: 24px;
    background: var(--paper2);
    min-height: 320px;
    display: grid;
    place-items: center;
    color: var(--muted)
}

/* Newsletter */
.newsletter {
    background: linear-gradient(135deg, var(--green), #547E63);
    color: #fff;
    border-radius: 36px;
    padding: 54px;
    position: relative;
    overflow: hidden
}

.newsletter:before {
    content: '';
    position: absolute;
    width: 260px;
    height: 260px;
    border-radius: 50%;
    background: rgba(255, 255, 255, .12);
    right: -80px;
    top: -80px
}

.subscribe-hero {
    min-height: 60vh;
    display: grid;
    place-items: center;
    padding: 140px 0 60px;
    position: relative
}

.subscribe-benefits {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px;
    margin-top: 32px
}

.subscribe-benefit {
    background: rgba(255, 255, 255, .08);
    border: 1px solid rgba(255, 255, 255, .16);
    border-radius: 22px;
    padding: 22px;
    backdrop-filter: blur(10px)
}

/* CTA */
.cta {
    background: var(--cream);
    border: 1px solid rgba(213, 169, 63, .25);
    border-radius: 36px;
    padding: 64px 34px;
    text-align: center;
    box-shadow: var(--shadow)
}

/* Policy pages */
.policy-wrap {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 36px;
    padding: 48px;
    box-shadow: var(--shadow)
}

.policy-wrap h2 {
    color: var(--green);
    margin-top: 32px;
    margin-bottom: 12px;
    font-size: 1.35rem
}

.policy-wrap h2:first-child { margin-top: 0 }

.policy-wrap p { color: var(--muted); line-height: 1.85 }

.policy-wrap .policy-intro {
    font-size: 1.1rem;
    color: var(--ink);
    border-left: 4px solid var(--green);
    padding-left: 16px;
    margin-bottom: 28px
}

/* Footer */
footer {
    background: #17211B;
    color: #fff;
    padding: 70px 0 26px
}

footer a {
    color: rgba(255, 255, 255, .68);
    display: block;
    margin-bottom: 10px
}

footer a:hover { color: #fff }

.social {
    width: 42px;
    height: 42px;
    border-radius: 14px;
    background: rgba(255, 255, 255, .08);
    display: inline-grid !important;
    place-items: center;
    color: #fff;
    margin-right: 8px
}

/* Modal */
.modal-content {
    border: 0;
    border-radius: 28px;
    box-shadow: var(--shadow)
}

.modal-header {
    border-bottom: 1px solid var(--line);
    background: var(--paper2);
    border-radius: 28px 28px 0 0
}

.modal-title { font-weight: 900 }

/* Page header for subpages */
.page-header {
    padding: 160px 0 60px;
    position: relative;
    text-align: center
}

.page-header h1 {
    font-size: clamp(2.5rem, 5vw, 3.75rem);
    max-width: 780px;
    margin: 16px auto 0
}

.breadcrumb-x {
    display: inline-flex;
    gap: 8px;
    align-items: center;
    color: var(--muted);
    font-weight: 700;
    font-size: .88rem;
    margin-bottom: 10px
}

.breadcrumb-x a { color: var(--green) }

/* Responsive */
@media(max-width:991px) {
    .nav-links { display: none }
    .mobile-toggle { display: inline-flex !important }
    .hero { padding-top: 125px }
    .about-shell, .payment-phone, .contact-grid, .about-story { grid-template-columns: 1fr }
    .shield-grid, .wealth-path, .debt-flow, .auto-board, .quote-grid { grid-template-columns: 1fr 1fr }
    .invest-row, .home-plan, .process-line { grid-template-columns: 1fr }
    .invest-card:nth-child(2), .invest-card:nth-child(2):hover { transform: none }
    .benefit-grid { grid-template-columns: 1fr }
    .b1, .b2, .b3, .b4, .b5, .b6 { grid-column: span 1 }
    .b6 { display: block }
    .loan-item { grid-template-columns: 54px 1fr }
    .loan-item .service-btn { grid-column: 1 / -1; justify-content: center }
    .phone-frame { max-width: 360px; margin: auto }
    .section { padding: 78px 0 }
    .newsletter { padding: 34px 22px }
    .stat-grid { grid-template-columns: 1fr 1fr }
    .team-grid { grid-template-columns: 1fr 1fr }
    .subscribe-benefits { grid-template-columns: 1fr }
    .policy-wrap { padding: 28px }
}

@media(max-width:640px) {
    .shield-grid, .wealth-path, .debt-flow, .auto-board, .quote-grid { grid-template-columns: 1fr }
    .hero-title { font-size: 3rem }
    .hero-panel { padding: 18px }
    .money-map { height: 340px }
    .map-node { min-width: 120px; padding: 12px }
    .service-area { padding: 18px }
    .category-head { display: block }
    .category-icon { margin-bottom: 14px }
    .loan-item { padding: 16px }
    .section-title { font-size: 2.15rem }
    .stat-grid, .team-grid { grid-template-columns: 1fr }
}