:root{--navy:#0f172a;--blue:#2563eb;--gold:#e8c777;--gray:#58677d;--light:#f5f8fc;--line:#e2e8f0}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:115px}
body{font-family:Inter,Arial,sans-serif;color:#26364d;background:#fff;line-height:1.75}
a{color:inherit}img{max-width:100%}
.container{width:min(1200px,calc(100% - 64px));margin-inline:auto}
:focus-visible{outline:3px solid #b48120;outline-offset:5px}
.skip-link{position:fixed;top:-100px;left:20px;z-index:2000;padding:12px 20px;background:#fff;color:var(--navy)}
.skip-link:focus{top:15px}
header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}
.nav{min-height:92px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.brand{width:216px;height:58px;display:flex;align-items:center;overflow:hidden;flex-shrink:0}
.brand img{width:216px;max-width:none;height:auto;flex-shrink:0}
.menu{display:flex;align-items:center;gap:26px}
.menu a{font-size:.9375rem;text-decoration:none;font-weight:600}
.menu a:hover{color:var(--blue)}
.nav-actions{display:flex;align-items:center;gap:22px}
.lang-switcher{display:flex;gap:3px}
.lang-switcher a{min-width:40px;min-height:44px;display:grid;place-items:center;border-radius:8px;text-decoration:none;font-weight:600;font-size:.875rem;color:var(--gray)}
.lang-switcher a[aria-current="page"]{background:#eef3ff;color:#1d4ed8}
.call{display:inline-flex;align-items:center;justify-content:center;background:var(--blue);color:#fff;padding:12px 20px;border-radius:10px;text-decoration:none;font-size:.9375rem;font-weight:600;white-space:nowrap}
section{padding:90px 0}
.hero{padding:80px 0 88px;background:linear-gradient(140deg,#f6f9ff 0%,#fff 67%)}
.hero-grid{display:grid;grid-template-columns:1.15fr .9fr;gap:76px;align-items:center}
.eyebrow{display:block;margin-bottom:22px;color:#2758a6;font-size:.875rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase}
.hero h1{color:var(--navy);font-size:clamp(2.75rem,4.55vw,4.4rem);line-height:1.09;font-weight:700;letter-spacing:-.045em;margin-bottom:27px}
.hero-copy>p{font-size:1.0625rem;line-height:1.85;color:var(--gray);max-width:590px}
.hero-copy>p b{color:var(--navy);font-weight:600}
.hero-buttons{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:15px;min-height:54px;padding:14px 23px;border-radius:10px;text-align:center;text-decoration:none;font-weight:600;line-height:1.5;transition:background .18s,transform .18s}
.btn:hover{transform:translateY(-2px)}
.primary{background:var(--blue);color:#fff}.primary:hover,.call:hover{background:#1d4ed8}
.secondary{border:1px solid #ced8e5;color:var(--navy);background:#fff}.secondary:hover{background:var(--light)}
.hero-copy .hero-caption{margin-top:21px;font-size:.875rem;color:var(--gray)}
.rate-card{position:relative;min-width:0;padding:36px;overflow:hidden;border-radius:24px;color:#fff;background:linear-gradient(140deg,#152944 0%,#0f172a 76%);box-shadow:0 24px 60px -25px rgba(15,23,42,.45)}
.rate-card::before{content:"";position:absolute;inset:0 auto 0 0;width:3px;background:linear-gradient(180deg,var(--gold),transparent 68%)}
.rate-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:18px}
.rate-heading h2{font-size:1rem;font-weight:500;color:#dbe6f6}
.rate-mark{display:grid;place-items:center;width:42px;height:42px;flex-shrink:0;border:1px solid rgba(232,199,119,.32);border-radius:50%;color:var(--gold)}
.rate-number{display:flex;align-items:baseline;margin:8px 0 15px;gap:12px;color:var(--gold);line-height:1.05;white-space:nowrap}
.rate-from{font-size:1.25rem;font-weight:400;color:#dbe6f6}
.rate-number strong{font-size:clamp(7rem,10vw,9.4rem);font-weight:500;letter-spacing:-.07em}
.rate-percent{font-size:3.75rem;letter-spacing:-.06em}
.rate-asterisk{font-size:1.5rem;text-decoration:none;align-self:flex-start;margin-top:25px}
.rate-period{margin:-9px 0 22px;color:#dbe6f6;font-size:1rem}
.rate-intro{color:#e0e8f2;font-size:1rem;line-height:1.7;max-width:33ch}
.rate-range{margin:27px 0 23px;padding-top:21px;border-top:1px solid rgba(255,255,255,.15)}
.rate-range span{display:block;color:#b8c7dc;font-size:.875rem;margin-bottom:4px}
.rate-range strong{font-size:clamp(1.0625rem,1.7vw,1.4rem);font-weight:500;letter-spacing:-.025em}
.rate-button{display:flex;width:100%;background:var(--gold);color:var(--navy);justify-content:space-between}.rate-button:hover{background:#f3d995}
.rate-note{margin-top:18px;color:#bfcce0;font-size:.875rem;line-height:1.6}.rate-note a{text-underline-offset:3px}
.loan-section{background:#fff;border-top:1px solid var(--line)}
.loan-heading{display:grid;grid-template-columns:1fr 1fr;gap:76px;align-items:end;margin-bottom:39px}
.loan-heading .eyebrow{margin-bottom:15px}
.loan-heading h2{max-width:15ch;font-size:clamp(2rem,3.1vw,2.875rem);color:var(--navy);line-height:1.18;letter-spacing:-.035em}
.loan-heading p{color:var(--gray);font-size:1.0625rem}.loan-heading strong{color:var(--navy);font-weight:600}
.loan-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;list-style:none}
.loan-step{border-top:2px solid #dce5f4;padding:26px 23px 27px 0}
.step-number{display:block;font-size:.875rem;font-weight:600;color:var(--blue);margin-bottom:14px;font-variant-numeric:tabular-nums;letter-spacing:.08em}
.loan-step h3{color:var(--navy);font-size:1.1875rem;margin-bottom:10px;line-height:1.4}
.loan-step p{color:var(--gray);font-size:1rem;line-height:1.8}
.loan-bottom{display:flex;justify-content:space-between;align-items:center;gap:40px;margin-top:12px;padding:24px 28px;background:var(--light);border-radius:12px}
.loan-bottom p{max-width:760px;font-size:.875rem;line-height:1.7;color:#526176}
.loan-bottom .text-link{flex-shrink:0;font-weight:600;color:#1d4ed8;text-underline-offset:5px}
#usluge{background:var(--light)}
.section-title{text-align:center;margin-bottom:42px}
.section-title h2{font-size:clamp(2rem,3.2vw,2.8rem);color:var(--navy);letter-spacing:-.035em;line-height:1.2;margin-bottom:13px}
.section-title p{color:var(--gray)}
.services{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px}
.card h3{margin-bottom:13px;color:var(--navy);font-size:1.1875rem;line-height:1.4}.card p{color:var(--gray)}
.about{background:var(--light);border-radius:22px;padding:50px}
.about h2{font-size:clamp(1.8rem,3vw,2.5rem);color:var(--navy);line-height:1.25;letter-spacing:-.03em;margin-bottom:28px}.about p{color:var(--gray)}
.stats{background:var(--navy);color:#fff;padding:52px 0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;text-align:center}
.stats h3{font-size:2.55rem;line-height:1.35;letter-spacing:-.04em;font-weight:600}.stats p{color:#c2cde0;font-size:.9375rem;margin-top:6px}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.contact-card{background:#fff;padding:36px;border-radius:18px;border:1px solid var(--line)}
.contact-card h3{color:var(--navy);font-size:1.25rem;margin-bottom:10px}.contact-card a:hover{color:var(--blue)!important}
footer{background:var(--navy);color:#c7d3e4;padding:30px 24px;text-align:center;font-size:.875rem}footer a{text-underline-offset:4px}
@media(max-width:1100px){
 .nav{gap:18px}.menu{gap:18px}.brand{width:184px}.brand img{width:184px}.nav-actions{gap:12px}
 .hero-grid,.loan-heading{gap:40px}.rate-card{padding:30px}
}
@media(max-width:900px){
 .menu{display:none}.hero-grid{grid-template-columns:1fr 1fr;gap:30px}.hero{padding:60px 0}.hero h1{font-size:2.85rem}
 .hero-buttons{flex-direction:column;align-items:stretch}.rate-card{padding:26px}.rate-number strong{font-size:7.4rem}.rate-percent{font-size:3.2rem}.rate-range strong{font-size:1.0625rem}
 .services{grid-template-columns:1fr}.loan-steps{gap:18px}.loan-step{padding-right:0}.loan-bottom{flex-direction:column;align-items:flex-start;gap:16px}
}
@media(max-width:700px){
 html{scroll-padding-top:95px}.container{width:calc(100% - 40px)}.nav{min-height:78px;gap:10px}.brand{width:170px;height:50px}.brand img{width:170px}.nav-actions{gap:8px}.call{display:none}.lang-switcher a{min-width:36px}
 section{padding:60px 0}.hero{padding:43px 0 52px}.hero-grid,.loan-heading{grid-template-columns:1fr;gap:33px}
 .eyebrow{font-size:.875rem;letter-spacing:.09em;margin-bottom:18px}.hero h1{font-size:clamp(2.5rem,9vw,3.6rem);line-height:1.1;margin-bottom:22px}.hero-copy>p{font-size:1rem}
 .hero-buttons{margin-top:25px}.hero-copy .hero-caption{margin-top:16px}.rate-card{padding:28px;border-radius:20px}.rate-number strong{font-size:8rem}.rate-range strong{font-size:1.3rem}.rate-intro{max-width:none}
 .loan-heading{gap:22px;margin-bottom:30px}.loan-heading h2{max-width:20ch}.loan-heading p{font-size:1rem}.loan-steps{grid-template-columns:1fr;gap:0}.loan-step{padding:23px 0}.step-number{margin-bottom:8px}
 .loan-bottom{padding:22px;margin-top:12px}.card,.contact-card{padding:25px}.about{padding:27px}.stats-grid{grid-template-columns:1fr 1fr;gap:29px 16px}.stats h3{font-size:2.15rem}.stats p{font-size:.875rem}
 .contact-grid{grid-template-columns:1fr}.section-title{margin-bottom:30px}
}
@media(max-width:360px){
 .container{width:calc(100% - 32px)}.brand,.brand img{width:150px}.rate-card{padding:23px}.rate-number{gap:9px}.rate-number strong{font-size:7rem}.rate-range strong{font-size:1.125rem}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}.btn:hover{transform:none}}