:root {
  --ink: #17211d;
  --muted: #65706a;
  --paper: #f7f4ed;
  --panel: #ffffff;
  --line: #d9d3c7;
  --accent: #0f766e;
  --accent-dark: #0b4f4a;
  --gold: #c7963f;
  --clay: #a65f3d;
  --shadow: 0 22px 60px rgba(23, 33, 29, 0.14);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: Inter, "PingFang SC", "Microsoft YaHei", system-ui, sans-serif;
  line-height: 1.6;
}

a {
  color: inherit;
  text-decoration: none;
}

.site-header {
  position: fixed;
  inset: 0 0 auto;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 18px clamp(18px, 4vw, 56px);
  background: rgba(247, 244, 237, 0.86);
  border-bottom: 1px solid rgba(217, 211, 199, 0.74);
  backdrop-filter: blur(18px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  min-width: 210px;
}

.brand-mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  border-radius: 8px;
  background: var(--accent-dark);
  color: #fff;
  font-weight: 800;
}

.brand strong,
.brand small {
  display: block;
}

.brand small {
  color: var(--muted);
  font-size: 12px;
}

.nav-links {
  display: flex;
  gap: clamp(16px, 3vw, 34px);
  color: #34413a;
  font-size: 14px;
  font-weight: 700;
}

.nav-links a,
.header-cta {
  transition: color 0.2s ease, background 0.2s ease;
}

.nav-links a:hover {
  color: var(--accent);
}

.header-actions {
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.language-switch {
  display: inline-flex;
  padding: 3px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.62);
}

.language-switch button {
  min-width: 42px;
  border: 0;
  border-radius: 6px;
  padding: 7px 9px;
  background: transparent;
  color: var(--muted);
  cursor: pointer;
  font: inherit;
  font-size: 13px;
  font-weight: 900;
}

.language-switch button.active {
  background: var(--accent-dark);
  color: #fff;
}

.header-cta {
  padding: 10px 16px;
  border: 1px solid var(--accent);
  border-radius: 8px;
  color: var(--accent-dark);
  font-size: 14px;
  font-weight: 800;
}

.header-cta:hover {
  background: var(--accent);
  color: #fff;
}

.hero {
  position: relative;
  min-height: 92vh;
  display: grid;
  align-items: center;
  overflow: hidden;
  padding: 132px clamp(20px, 6vw, 86px) 56px;
}

.hero-image,
.hero-overlay {
  position: absolute;
  inset: 0;
}

.hero-image {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  transform: translateY(72px) scale(1.09);
  transform-origin: center;
}

.hero-overlay {
  background:
    linear-gradient(90deg, rgba(13, 25, 22, 0.92) 0%, rgba(13, 25, 22, 0.72) 39%, rgba(13, 25, 22, 0.08) 75%),
    linear-gradient(0deg, rgba(13, 25, 22, 0.58) 0%, rgba(13, 25, 22, 0) 46%);
}

.hero-content {
  position: relative;
  max-width: 760px;
  color: #fff;
}

.eyebrow,
.section-kicker {
  margin: 0 0 14px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 720px;
  margin-bottom: 22px;
  font-size: clamp(38px, 5.4vw, 76px);
  line-height: 1.02;
  letter-spacing: 0;
}

h2 {
  margin-bottom: 18px;
  font-size: clamp(30px, 4vw, 52px);
  line-height: 1.12;
}

h3 {
  margin-bottom: 10px;
  font-size: 21px;
  line-height: 1.25;
}

.hero-copy {
  max-width: 610px;
  color: rgba(255, 255, 255, 0.86);
  font-size: clamp(18px, 2vw, 22px);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 34px 0 32px;
}

.button {
  display: inline-flex;
  min-height: 48px;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 8px;
  padding: 13px 20px;
  cursor: pointer;
  font: inherit;
  font-weight: 900;
}

.button.primary {
  background: var(--accent);
  color: #fff;
}

.button.primary:hover {
  background: var(--accent-dark);
}

.button.secondary {
  background: rgba(255, 255, 255, 0.14);
  color: #fff;
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.4);
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.trust-row span {
  border: 1px solid rgba(255, 255, 255, 0.32);
  border-radius: 999px;
  padding: 8px 12px;
  background: rgba(255, 255, 255, 0.1);
  color: rgba(255, 255, 255, 0.86);
  font-size: 13px;
}

.stats-band {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: var(--ink);
  color: #fff;
}

.stats-band div {
  padding: 28px clamp(18px, 4vw, 46px);
  border-right: 1px solid rgba(255, 255, 255, 0.14);
}

.stats-band strong {
  display: block;
  color: var(--gold);
  font-size: 13px;
}

.stats-band span {
  font-size: clamp(18px, 2vw, 26px);
  font-weight: 900;
}

.section {
  padding: clamp(74px, 9vw, 118px) clamp(20px, 6vw, 86px);
}

.intro-grid,
.section-heading {
  display: grid;
  grid-template-columns: minmax(280px, 1.05fr) minmax(260px, 0.58fr);
  gap: clamp(28px, 6vw, 80px);
  align-items: center;
}

.intro p,
.section-heading p,
.feature-content p,
.contact-copy p {
  color: var(--muted);
  font-size: 18px;
}

.portrait-card {
  position: relative;
  margin: 0;
}

.portrait-card img {
  display: block;
  width: min(100%, 390px);
  margin-left: auto;
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.portrait-card figcaption {
  position: absolute;
  right: 18px;
  bottom: 18px;
  border-radius: 8px;
  padding: 10px 13px;
  background: rgba(255, 255, 255, 0.9);
  color: var(--accent-dark);
  font-size: 13px;
  font-weight: 900;
}

.service-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
  margin-top: 38px;
}

.service-card {
  min-height: 300px;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--panel);
  box-shadow: 0 12px 34px rgba(23, 33, 29, 0.06);
}

.service-card p,
.timeline p,
.feature-list span {
  color: var(--muted);
}

.icon {
  display: grid;
  width: 46px;
  height: 46px;
  margin-bottom: 28px;
  place-items: center;
  border-radius: 8px;
  background: #e8f1ed;
  color: var(--accent-dark);
  font-size: 24px;
  font-weight: 900;
}

.process {
  background: #ece7dd;
}

.timeline {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0;
  margin-top: 44px;
  border-top: 1px solid #cfc7b8;
}

.timeline article {
  position: relative;
  padding: 38px 28px 0 0;
}

.timeline span {
  display: grid;
  width: 38px;
  height: 38px;
  margin-bottom: 22px;
  place-items: center;
  border-radius: 50%;
  background: var(--clay);
  color: #fff;
  font-weight: 900;
}

.lending {
  background: #fbfaf6;
}

.lending-grid {
  display: grid;
  grid-template-columns: minmax(280px, 0.95fr) minmax(300px, 1fr);
  gap: clamp(28px, 7vw, 86px);
  align-items: center;
}

.lending-grid p {
  color: var(--muted);
  font-size: 18px;
}

.lending-points {
  display: grid;
  gap: 14px;
}

.lending-points article {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  box-shadow: 0 12px 34px rgba(23, 33, 29, 0.06);
}

.lending-points strong,
.lending-points span {
  display: block;
}

.lending-points strong {
  margin-bottom: 6px;
  color: var(--accent-dark);
}

.lending-points span {
  color: var(--muted);
}

.feature-band {
  display: grid;
  grid-template-columns: minmax(280px, 1fr) minmax(300px, 0.9fr);
  gap: clamp(28px, 7vw, 92px);
  padding: clamp(74px, 9vw, 118px) clamp(20px, 6vw, 86px);
  background: var(--accent-dark);
  color: #fff;
}

.feature-content p,
.feature-list span {
  color: rgba(255, 255, 255, 0.76);
}

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

.feature-list div {
  padding: 22px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
}

.feature-list strong,
.feature-list span {
  display: block;
}

.contact-section {
  display: grid;
  grid-template-columns: minmax(280px, 0.9fr) minmax(320px, 0.82fr);
  gap: clamp(30px, 7vw, 86px);
  align-items: start;
}

address {
  display: grid;
  gap: 8px;
  margin-top: 28px;
  color: var(--accent-dark);
  font-style: normal;
  font-weight: 800;
}

.loan-link {
  margin-top: 26px;
  background: var(--clay);
  color: #fff;
}

.loan-link:hover {
  background: #85472d;
}

.contact-form {
  display: grid;
  gap: 16px;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  box-shadow: var(--shadow);
}

label {
  display: grid;
  gap: 7px;
  color: #34413a;
  font-weight: 800;
}

input,
select,
textarea {
  width: 100%;
  border: 1px solid #cfc8bc;
  border-radius: 8px;
  padding: 13px 14px;
  background: #fbfaf6;
  color: var(--ink);
  font: inherit;
}

textarea {
  resize: vertical;
}

input:focus,
select:focus,
textarea:focus {
  outline: 3px solid rgba(15, 118, 110, 0.18);
  border-color: var(--accent);
}

.form-note {
  min-height: 24px;
  margin: 0;
  color: var(--accent-dark);
  font-weight: 800;
}

.site-footer {
  display: flex;
  justify-content: space-between;
  gap: 22px;
  padding: 28px clamp(20px, 6vw, 86px);
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 13px;
}

.site-footer p {
  margin: 0;
}

@media (max-width: 980px) {
  .nav-links {
    display: none;
  }

  .hero {
    min-height: 820px;
  }

  .hero-image {
    object-position: 58% center;
    transform: translateY(54px) scale(1.08);
  }

  .intro-grid,
  .section-heading,
  .lending-grid,
  .feature-band,
  .contact-section {
    grid-template-columns: 1fr;
  }

  .service-grid,
  .timeline {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 640px) {
  body {
    overflow-x: hidden;
  }

  .site-header {
    gap: 10px;
    padding: 12px 16px;
  }

  .brand {
    min-width: 0;
  }

  .brand-mark {
    width: 38px;
    height: 38px;
  }

  .brand small {
    display: none;
  }

  .header-cta {
    display: inline-flex;
    flex: 0 0 auto;
    padding: 8px 11px;
    font-size: 13px;
  }

  .header-actions {
    gap: 6px;
  }

  .language-switch {
    padding: 2px;
  }

  .language-switch button {
    min-width: 34px;
    padding: 6px 7px;
    font-size: 12px;
  }

  .hero {
    min-height: 680px;
    align-items: end;
    padding: 112px 18px 38px;
  }

  .hero-image {
    object-position: 63% center;
    transform: translateY(30px) scale(1.07);
  }

  .hero-overlay {
    background:
      linear-gradient(180deg, rgba(13, 25, 22, 0.22) 0%, rgba(13, 25, 22, 0.84) 54%, rgba(13, 25, 22, 0.95) 100%),
      linear-gradient(90deg, rgba(13, 25, 22, 0.76), rgba(13, 25, 22, 0.24));
  }

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

  .eyebrow,
  .section-kicker {
    margin-bottom: 10px;
    font-size: 11px;
  }

  h1 {
    max-width: 100%;
    margin-bottom: 16px;
    font-size: clamp(34px, 9.6vw, 42px);
    line-height: 1.14;
  }

  h2 {
    font-size: 30px;
    line-height: 1.18;
  }

  h3 {
    font-size: 19px;
  }

  .hero-copy,
  .intro p,
  .section-heading p,
  .lending-grid p,
  .feature-content p,
  .contact-copy p {
    font-size: 16px;
  }

  .hero-actions {
    display: grid;
    gap: 10px;
    margin: 26px 0 22px;
  }

  .button {
    width: 100%;
  }

  .trust-row {
    gap: 8px;
  }

  .trust-row span {
    padding: 7px 10px;
    font-size: 12px;
  }

  .portrait-card img {
    width: 100%;
    margin-left: 0;
  }

  .stats-band,
  .service-grid,
  .timeline {
    grid-template-columns: 1fr;
  }

  .stats-band {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .stats-band div {
    padding: 20px 18px;
    border-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.14);
  }

  .section,
  .feature-band {
    padding: 54px 18px;
  }

  .intro-grid,
  .section-heading,
  .lending-grid,
  .contact-section {
    gap: 26px;
  }

  .service-grid {
    gap: 12px;
    margin-top: 26px;
  }

  .service-card {
    min-height: 0;
    padding: 20px;
  }

  .icon {
    width: 40px;
    height: 40px;
    margin-bottom: 18px;
    font-size: 20px;
  }

  .timeline {
    margin-top: 28px;
    border-top: 0;
    gap: 14px;
  }

  .timeline article {
    padding: 20px;
    border: 1px solid #cfc7b8;
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.38);
  }

  .timeline span {
    margin-bottom: 14px;
  }

  .lending-points article,
  .feature-list div,
  .contact-form {
    padding: 20px;
  }

  address {
    overflow-wrap: anywhere;
  }

  .site-footer {
    display: grid;
    padding: 24px 18px;
  }
}