:root {
  --lc-primary: #234d7a;
  --lc-primary-dark: #183754;
  --lc-accent: #3f7fc4;
  --lc-soft: #f5f8fc;
  --lc-border: #e4ebf3;
  --lc-text: #243240;
  --lc-muted: #667383;
  --lc-white: #ffffff;
  --lc-gold: #c8a95a;
  --lc-radius: 22px;
  --lc-shadow: 0 18px 50px rgba(24, 55, 84, .10);
}

.credit-page { color: var(--lc-text); background: #fff; }
.credit-container { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }
.credit-kicker { display: inline-flex; align-items: center; gap: 9px; color: var(--lc-accent); font-size: .78rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.credit-kicker::before { content: ""; width: 24px; height: 2px; border-radius: 99px; background: var(--lc-gold); }

.credit-hero { position: relative; overflow: hidden; padding: 96px 0 78px; background: linear-gradient(135deg, #f7fafd 0%, #eef4fa 58%, #f9fbfd 100%); border-bottom: 1px solid var(--lc-border); }
.credit-hero::before, .credit-hero::after { content:""; position:absolute; border-radius:50%; pointer-events:none; }
.credit-hero::before { width: 460px; height: 460px; right: -170px; top: -230px; border: 1px solid rgba(63,127,196,.16); box-shadow: 0 0 0 60px rgba(63,127,196,.035), 0 0 0 120px rgba(63,127,196,.025); }
.credit-hero::after { width: 250px; height: 250px; left: -120px; bottom: -150px; background: rgba(200,169,90,.07); }
.credit-hero-grid { display:grid; grid-template-columns: minmax(0, 1.08fr) minmax(360px, .92fr); gap: 64px; align-items:center; position:relative; z-index:1; }
.credit-hero h1 { margin: 18px 0 20px; max-width: 760px; color: var(--lc-primary-dark); font-size: clamp(2.35rem, 5vw, 4.35rem); line-height: 1.04; letter-spacing: -.045em; }
.credit-hero p { max-width: 680px; margin: 0; color: var(--lc-muted); font-size: 1.13rem; line-height: 1.75; }
.credit-actions { display:flex; flex-wrap:wrap; gap: 12px; margin-top: 30px; }
.credit-btn { display:inline-flex; align-items:center; justify-content:center; gap:10px; min-height:52px; padding: 0 22px; border-radius: 12px; font-weight: 750; text-decoration:none; transition: transform .2s ease, box-shadow .2s ease, background .2s ease; }
.credit-btn:hover { transform: translateY(-2px); }
.credit-btn-primary { color:#fff; background:var(--lc-primary); box-shadow: 0 12px 28px rgba(35,77,122,.22); }
.credit-btn-primary:hover { background:var(--lc-primary-dark); }
.credit-btn-secondary { color:var(--lc-primary); background:#fff; border:1px solid var(--lc-border); }
.credit-btn-secondary:hover { box-shadow:var(--lc-shadow); }

.credit-hero-panel { padding: 28px; border-radius: 28px; background: rgba(255,255,255,.82); border:1px solid rgba(255,255,255,.92); box-shadow:var(--lc-shadow); backdrop-filter: blur(14px); }
.credit-panel-label { color:var(--lc-muted); font-size:.78rem; font-weight:800; text-transform:uppercase; letter-spacing:.1em; }
.credit-panel-title { display:block; margin:8px 0 22px; color:var(--lc-primary-dark); font-size:1.45rem; line-height:1.25; }
.credit-panel-list { display:grid; gap:12px; }
.credit-panel-item { display:flex; gap:12px; align-items:flex-start; padding:14px 15px; background:var(--lc-soft); border:1px solid var(--lc-border); border-radius:14px; }
.credit-panel-icon { display:grid; place-items:center; flex:0 0 34px; height:34px; border-radius:10px; color:var(--lc-primary); background:#fff; border:1px solid var(--lc-border); font-weight:900; }
.credit-panel-item strong { display:block; color:var(--lc-primary-dark); font-size:.96rem; }
.credit-panel-item span { display:block; margin-top:3px; color:var(--lc-muted); font-size:.84rem; line-height:1.45; }

.credit-section { padding: 82px 0; }
.credit-section-soft { background:var(--lc-soft); border-top:1px solid var(--lc-border); border-bottom:1px solid var(--lc-border); }
.credit-section-head { display:flex; justify-content:space-between; align-items:flex-end; gap:40px; margin-bottom:34px; }
.credit-section-head h2 { margin:12px 0 0; color:var(--lc-primary-dark); font-size:clamp(1.9rem, 3.3vw, 3rem); line-height:1.12; letter-spacing:-.035em; }
.credit-section-head p { max-width:520px; margin:0; color:var(--lc-muted); line-height:1.7; }

.credit-grid { display:grid; grid-template-columns:repeat(3, minmax(0,1fr)); gap:20px; }
.credit-card { position:relative; display:flex; flex-direction:column; min-height:345px; padding:27px; overflow:hidden; color:inherit; text-decoration:none; background:#fff; border:1px solid var(--lc-border); border-radius:var(--lc-radius); box-shadow:0 8px 25px rgba(24,55,84,.045); transition:transform .25s ease, box-shadow .25s ease, border-color .25s ease; }
.credit-card:hover { transform:translateY(-6px); border-color:rgba(63,127,196,.35); box-shadow:var(--lc-shadow); }
.credit-card-number { position:absolute; top:18px; right:22px; color:#e9eff6; font-size:3rem; font-weight:900; letter-spacing:-.08em; }
.credit-card-icon { display:grid; place-items:center; width:48px; height:48px; border-radius:14px; color:var(--lc-primary); background:var(--lc-soft); border:1px solid var(--lc-border); font-size:1.25rem; font-weight:900; }
.credit-card h3 { position:relative; margin:24px 0 10px; color:var(--lc-primary-dark); font-size:1.28rem; }
.credit-card p { position:relative; margin:0; color:var(--lc-muted); line-height:1.65; }
.credit-card-tags { display:flex; flex-wrap:wrap; gap:7px; margin-top:18px; }
.credit-card-tags span { padding:7px 9px; border-radius:999px; color:var(--lc-primary); background:var(--lc-soft); border:1px solid var(--lc-border); font-size:.72rem; font-weight:750; }
.credit-card-link { display:flex; align-items:center; gap:8px; margin-top:auto; padding-top:22px; color:var(--lc-accent); font-size:.9rem; font-weight:800; }
.credit-card-link span { transition:transform .2s ease; }
.credit-card:hover .credit-card-link span { transform:translateX(4px); }

.credit-method-grid { display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:18px; counter-reset: method; }
.credit-method { position:relative; padding:26px 22px; background:#fff; border:1px solid var(--lc-border); border-radius:18px; }
.credit-method::before { counter-increment:method; content:"0" counter(method); display:block; margin-bottom:22px; color:var(--lc-gold); font-size:.78rem; font-weight:900; letter-spacing:.12em; }
.credit-method h3 { margin:0 0 9px; color:var(--lc-primary-dark); font-size:1.05rem; }
.credit-method p { margin:0; color:var(--lc-muted); line-height:1.6; font-size:.91rem; }

.credit-choice { display:grid; grid-template-columns:.95fr 1.05fr; gap:52px; align-items:center; }
.credit-choice-list { display:grid; gap:12px; margin-top:25px; }
.credit-choice-item { display:flex; gap:13px; align-items:flex-start; }
.credit-choice-check { display:grid; place-items:center; flex:0 0 28px; height:28px; border-radius:50%; color:#fff; background:var(--lc-primary); font-size:.76rem; font-weight:900; }
.credit-choice-item strong { display:block; color:var(--lc-primary-dark); }
.credit-choice-item p { margin:4px 0 0; color:var(--lc-muted); line-height:1.55; font-size:.9rem; }
.credit-form-card { padding:30px; background:#fff; border:1px solid var(--lc-border); border-radius:24px; box-shadow:var(--lc-shadow); }
.credit-form-card h3 { margin:0 0 8px; color:var(--lc-primary-dark); font-size:1.45rem; }
.credit-form-card > p { margin:0 0 22px; color:var(--lc-muted); line-height:1.6; }
.credit-quick-grid { display:grid; grid-template-columns:repeat(2,minmax(0,1fr)); gap:10px; }
.credit-quick { display:block; padding:15px; border:1px solid var(--lc-border); border-radius:13px; color:var(--lc-primary-dark); background:var(--lc-soft); text-decoration:none; font-weight:750; font-size:.9rem; transition:.2s ease; }
.credit-quick:hover { border-color:var(--lc-accent); background:#fff; }
.credit-quick small { display:block; margin-top:4px; color:var(--lc-muted); font-weight:500; line-height:1.4; }

.credit-faq { display:grid; gap:12px; max-width:900px; margin:0 auto; }
.credit-faq details { background:#fff; border:1px solid var(--lc-border); border-radius:15px; }
.credit-faq summary { cursor:pointer; list-style:none; padding:20px 54px 20px 20px; color:var(--lc-primary-dark); font-weight:800; position:relative; }
.credit-faq summary::-webkit-details-marker { display:none; }
.credit-faq summary::after { content:"+"; position:absolute; right:20px; top:50%; transform:translateY(-50%); color:var(--lc-accent); font-size:1.4rem; }
.credit-faq details[open] summary::after { content:"−"; }
.credit-faq p { margin:0; padding:0 20px 20px; color:var(--lc-muted); line-height:1.7; }

.credit-cta { padding:80px 0; }
.credit-cta-box { position:relative; overflow:hidden; padding:48px; border-radius:28px; color:#fff; background:linear-gradient(135deg,var(--lc-primary-dark),var(--lc-primary)); box-shadow:0 24px 55px rgba(24,55,84,.22); }
.credit-cta-box::after { content:""; position:absolute; width:300px; height:300px; right:-120px; top:-150px; border-radius:50%; border:1px solid rgba(255,255,255,.15); box-shadow:0 0 0 55px rgba(255,255,255,.035),0 0 0 110px rgba(255,255,255,.025); }
.credit-cta-box h2 { position:relative; z-index:1; max-width:720px; margin:0 0 14px; font-size:clamp(1.8rem,3.2vw,3rem); line-height:1.15; letter-spacing:-.035em; }
.credit-cta-box p { position:relative; z-index:1; max-width:700px; margin:0; color:rgba(255,255,255,.78); line-height:1.7; }
.credit-cta-box .credit-actions { position:relative; z-index:1; }
.credit-cta-box .credit-btn-primary { color:var(--lc-primary-dark); background:#fff; }
.credit-cta-box .credit-btn-secondary { color:#fff; background:transparent; border-color:rgba(255,255,255,.3); }

@media (max-width: 980px) {
  .credit-hero-grid, .credit-choice { grid-template-columns:1fr; }
  .credit-hero-grid { gap:36px; }
  .credit-grid { grid-template-columns:repeat(2,minmax(0,1fr)); }
  .credit-method-grid { grid-template-columns:repeat(2,minmax(0,1fr)); }
}
@media (max-width: 700px) {
  .credit-container { width:min(100% - 28px,1160px); }
  .credit-hero { padding:72px 0 56px; }
  .credit-hero h1 { font-size:clamp(2rem,10vw,3rem); }
  .credit-section { padding:62px 0; }
  .credit-section-head { display:block; }
  .credit-section-head p { margin-top:14px; }
  .credit-grid, .credit-method-grid, .credit-quick-grid { grid-template-columns:1fr; }
  .credit-card { min-height:320px; }
  .credit-cta-box { padding:34px 24px; }
  .credit-actions .credit-btn { width:100%; }
}