.credit-page {
    --accent: #ef713b;
    --accent-dark: #d85f2b;
    --navy: #184076;
    --navy-deep: #12315c;
    --text: #0a0a0b;
    --muted: #6b6b6b;
    --border: #e5e5e6;
    --bg-soft: #f6f7fa;
}

.credit-page .breadcrumb-wrap {
    padding-top: 20px;
}

/* ---------- Hero ---------- */
.credit-hero {
    display: flex;
    align-items: center;
    gap: 48px;
    margin-top: 12px;
    padding: 48px;
    border-radius: 20px;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
    color: #fff;
    overflow: hidden;
    position: relative;
}
.credit-hero:before {
    content: "";
    position: absolute;
    top: -80px;
    right: -80px;
    width: 320px;
    height: 320px;
    border-radius: 50%;
    background: rgba(239, 113, 59, 0.16);
}
.credit-hero__main {
    position: relative;
    flex: 1 1 auto;
    min-width: 0;
}
.credit-hero__eyebrow {
    display: inline-block;
    font-size: 14px;
    font-weight: 600;
    letter-spacing: 0.02em;
    color: #ffd8c2;
    background: rgba(239, 113, 59, 0.18);
    padding: 6px 14px;
    border-radius: 999px;
    margin-bottom: 18px;
}
.credit-hero h1 {
    color: #fff;
    margin: 0 0 16px;
}
.credit-hero__lead {
    font-size: 18px;
    line-height: 1.6;
    color: #d7deec;
    max-width: 620px;
    margin: 0 0 28px;
}
.credit-hero__lead strong {
    color: #fff;
}
.credit-hero__actions {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 20px;
}
.credit-hero__actions .btn {
    box-shadow: 0 10px 24px rgba(239, 113, 59, 0.28);
}
.credit-hero__phone {
    color: #fff;
    font-size: 16px;
    font-weight: 600;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
}
.credit-hero__phone:hover {
    color: var(--accent);
}
.credit-hero__stats {
    position: relative;
    flex: 0 0 300px;
    display: grid;
    gap: 16px;
}
.credit-hero__stat {
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: 14px;
    padding: 18px 20px;
    backdrop-filter: blur(2px);
}
.credit-hero__stat b {
    display: block;
    font-size: 26px;
    font-weight: 700;
    color: #fff;
    line-height: 1.2;
}
.credit-hero__stat span {
    font-size: 14px;
    color: #c3ccdf;
}

/* ---------- Section heading ---------- */
.credit-section {
    margin-top: 64px;
}
.credit-section__head {
    max-width: 640px;
    margin-bottom: 28px;
}
.credit-section h2 {
    margin: 0 0 8px;
}
.credit-section__head p {
    color: var(--muted);
    margin: 0;
    width: auto;
}

/* ---------- Requirements ---------- */
.credit-requirements {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}
.credit-requirements__item {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    padding: 22px;
    border: 1px solid var(--border);
    border-radius: 14px;
    background: #fff;
}
.credit-requirements__icon {
    flex: 0 0 auto;
    width: 40px;
    height: 40px;
    border-radius: 10px;
    background: var(--bg-soft);
    color: var(--navy);
    display: flex;
    align-items: center;
    justify-content: center;
}
.credit-requirements__icon svg {
    width: 20px;
    height: 20px;
}
.credit-requirements__item p {
    margin: 0;
    font-size: 16px;
    line-height: 1.5;
}

/* ---------- Advantages ---------- */
.credit-advantages {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 16px;
}
.credit-advantages__item {
    padding: 22px 18px;
    border-radius: 14px;
    background: var(--bg-soft);
    text-align: left;
}
.credit-advantages__icon {
    width: 44px;
    height: 44px;
    border-radius: 10px;
    background: #fff;
    color: var(--accent);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 14px;
}
.credit-advantages__icon svg {
    width: 22px;
    height: 22px;
}
.credit-advantages__item strong {
    display: block;
    font-size: 16px;
    line-height: 1.4;
}

/* ---------- Terms ---------- */
.credit-terms {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1px;
    background: var(--border);
    border: 1px solid var(--border);
    border-radius: 16px;
    overflow: hidden;
}
.credit-terms__item {
    background: #fff;
    padding: 26px 24px;
}
.credit-terms__item b {
    display: block;
    font-size: 28px;
    font-weight: 700;
    color: var(--navy);
    line-height: 1.2;
    margin-bottom: 6px;
}
.credit-terms__item span {
    color: var(--muted);
    font-size: 15px;
    line-height: 1.4;
}
.credit-note {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    margin-top: 20px;
    padding: 16px 18px;
    border-radius: 12px;
    background: #fff7ed;
    border: 1px solid #fbdcc2;
    color: #7a4415;
    font-size: 15px;
    line-height: 1.5;
}
.credit-note svg {
    flex: 0 0 auto;
    width: 20px;
    height: 20px;
    margin-top: 2px;
    color: var(--accent);
}

/* ---------- Steps ---------- */
.credit-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    counter-reset: credit-step;
}
.credit-steps__item {
    position: relative;
    padding: 24px 20px 20px;
    border: 1px solid var(--border);
    border-radius: 14px;
    background: #fff;
}
.credit-steps__num {
    counter-increment: credit-step;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--navy);
    color: #fff;
    font-weight: 700;
    font-size: 15px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 14px;
}
.credit-steps__num:before {
    content: counter(credit-step);
}
.credit-steps__item p {
    margin: 0;
    font-size: 15px;
    line-height: 1.5;
}

/* ---------- Warnings ---------- */
.credit-warnings {
    display: grid;
    gap: 12px;
}
.credit-warnings__item {
    display: flex;
    gap: 14px;
    align-items: flex-start;
    padding: 18px 20px;
    border-radius: 12px;
    background: var(--bg-soft);
}
.credit-warnings__item svg {
    flex: 0 0 auto;
    width: 20px;
    height: 20px;
    margin-top: 2px;
    color: var(--navy);
}
.credit-warnings__item p {
    margin: 0;
    font-size: 15px;
    line-height: 1.6;
}

/* ---------- FAQ ---------- */
.credit-faq {
    display: grid;
    gap: 10px;
}
.credit-faq details {
    border: 1px solid var(--border);
    border-radius: 12px;
    padding: 18px 20px;
    background: #fff;
}
.credit-faq details[open] {
    border-color: var(--navy);
}
.credit-faq summary {
    cursor: pointer;
    font-weight: 600;
    font-size: 17px;
    list-style: none;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
}
.credit-faq summary::-webkit-details-marker {
    display: none;
}
.credit-faq details summary::before {
    content: none;
}
.credit-faq summary:after {
    content: "";
    flex: 0 0 auto;
    width: 10px;
    height: 10px;
    border-right: 2px solid var(--muted);
    border-bottom: 2px solid var(--muted);
    transform: rotate(45deg);
    transition: transform 0.2s ease;
    margin-top: -4px;
}
.credit-faq details[open] summary:after {
    transform: rotate(-135deg);
    margin-top: 4px;
}
.credit-faq p {
    margin: 12px 0 0;
    color: var(--muted);
    font-size: 15px;
    line-height: 1.6;
}

/* ---------- Final CTA ---------- */
.credit-cta {
    margin-top: 64px;
    margin-bottom: 60px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
    flex-wrap: wrap;
    padding: 36px 40px;
    border-radius: 18px;
    background: var(--bg-soft);
}
.credit-cta__text h2 {
    margin: 0 0 6px;
}
.credit-cta__text p {
    margin: 0;
    color: var(--muted);
    width: auto;
}
.credit-cta__actions {
    display: flex;
    align-items: center;
    gap: 20px;
    flex-wrap: wrap;
}
.credit-cta__phone {
    color: var(--text);
    font-weight: 600;
    font-size: 16px;
    text-decoration: none;
}
.credit-cta__phone:hover {
    color: var(--accent);
}

/* ---------- Responsive ---------- */
@media (max-width: 1220px) {
    .credit-advantages {
        grid-template-columns: repeat(3, 1fr);
    }
}
@media (max-width: 1023px) {
    .credit-hero {
        flex-direction: column;
        align-items: stretch;
        padding: 32px 24px;
    }
    .credit-hero__stats {
        flex: none;
        grid-template-columns: repeat(3, 1fr);
    }
    .credit-requirements {
        grid-template-columns: repeat(2, 1fr);
    }
    .credit-terms {
        grid-template-columns: repeat(2, 1fr);
    }
    .credit-steps {
        grid-template-columns: repeat(2, 1fr);
    }
}
@media (max-width: 767px) {
    .credit-section {
        margin-top: 44px;
    }
    .credit-hero__stats {
        grid-template-columns: 1fr;
    }
    .credit-requirements {
        grid-template-columns: 1fr;
    }
    .credit-advantages {
        grid-template-columns: 1fr 1fr;
    }
    .credit-terms {
        grid-template-columns: 1fr;
    }
    .credit-steps {
        grid-template-columns: 1fr;
    }
    .credit-cta {
        padding: 28px 22px;
    }
}