/* Stand-Emprnt — Main CSS */
:root {
  --se-bg:       #0D0D0D;
  --se-surface:  #161616;
  --se-border:   #242424;
  --se-green:    #00C896;
  --se-green-h:  #00E5AD;
  --se-white:    #FFFFFF;
  --se-muted:    #888888;
  --se-muted2:   #555555;
  --se-radius:   8px;
  --se-radius-sm:4px;
  --se-font-h:   'Clash Display', sans-serif;
  --se-font-b:   'Inter', sans-serif;
  --se-trans:    0.2s ease;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body.se-body { font-family: var(--se-font-b); background: var(--se-bg); color: var(--se-white); -webkit-font-smoothing: antialiased; }
h1,h2,h3,h4,h5,h6 { font-family: var(--se-font-h); }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; font-family: var(--se-font-b); }
img { max-width: 100%; display: block; }

/* ── Utilities ── */
.se-green  { color: var(--se-green); }
.se-muted  { color: var(--se-muted); }
.se-fw     { font-weight: 600; }
.se-container { max-width: 1280px; margin: 0 auto; padding: 0 24px; }
.se-container--narrow { max-width: 760px; }
::-webkit-scrollbar { width: 6px; } ::-webkit-scrollbar-track { background: var(--se-bg); } ::-webkit-scrollbar-thumb { background: var(--se-green); border-radius: 3px; }

/* ── Scroll animation ── */
.se-anim { opacity: 0; transform: translateY(24px); transition: opacity .5s ease, transform .5s ease; }
.se-anim.visible { opacity: 1; transform: none; }

/* ── Buttons ── */
.se-btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 12px 28px; border-radius: var(--se-radius-sm); font-size: 14px; font-weight: 600; letter-spacing: .3px; border: 1px solid transparent; transition: all var(--se-trans); }
.se-btn--green { background: var(--se-green); color: #0D0D0D; }
.se-btn--green:hover { background: var(--se-green-h); }
.se-btn--outline { background: transparent; border-color: var(--se-white); color: var(--se-white); }
.se-btn--outline:hover { border-color: var(--se-green); color: var(--se-green); }
.se-btn--full { width: 100%; }
.se-btn--sm { padding: 8px 18px; font-size: 13px; }
.se-spin { animation: se-spin 1s linear infinite; }
@keyframes se-spin { to { transform: rotate(360deg); } }

/* ── Inputs ── */
.se-input { width: 100%; background: var(--se-bg); border: 1px solid var(--se-border); border-radius: var(--se-radius-sm); padding: 12px 16px; color: var(--se-white); font-family: var(--se-font-b); font-size: 14px; outline: none; transition: border-color var(--se-trans); }
.se-input::placeholder { color: var(--se-muted2); }
.se-input:focus { border-color: var(--se-green); box-shadow: 0 0 0 1px rgba(0,201,150,.15); }
select.se-input { appearance: none; }
textarea.se-input { resize: vertical; min-height: 100px; }

/* ── Range sliders ── */
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; background: var(--se-border); border-radius: 3px; outline: none; cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%; background: var(--se-green); border: 2px solid var(--se-bg); cursor: pointer; }
input[type="range"]::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: var(--se-green); border: 2px solid var(--se-bg); }

/* ── Loading ── */
.se-loading { position: fixed; inset: 0; background: var(--se-bg); z-index: 9999; display: flex; align-items: center; justify-content: center; transition: opacity .5s, visibility .5s; }
.se-loading.hidden { opacity: 0; visibility: hidden; pointer-events: none; }
.se-loading__inner { text-align: center; }
.se-loading__logo { font-family: var(--se-font-h); font-size: 32px; font-weight: 700; margin-bottom: 24px; }
.se-loading__logo span:first-child { color: var(--se-white); }
.se-loading__logo span:last-child { color: var(--se-green); }
.se-loading__bar { width: 180px; height: 2px; background: var(--se-border); border-radius: 1px; overflow: hidden; }
.se-loading__fill { height: 100%; background: var(--se-green); width: 0; transition: width 1.2s ease; }

/* ── Navbar ── */
.se-nav { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; background: rgba(13,13,13,.85); backdrop-filter: blur(20px); border-bottom: 1px solid var(--se-border); transition: background var(--se-trans); }
.se-nav.scrolled { background: rgba(13,13,13,.98); }
.se-nav__inner { max-width: 1280px; margin: 0 auto; padding: 0 24px; height: 64px; display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.se-nav__logo { font-family: var(--se-font-h); font-size: 20px; font-weight: 700; white-space: nowrap; }
.se-nav__logo span:first-child { color: var(--se-white); }
.se-nav__links { display: flex; gap: 28px; }
.se-nav__link { background: none; border: none; color: var(--se-muted); font-size: 14px; font-weight: 500; transition: color var(--se-trans); padding: 0; }
.se-nav__link:hover { color: var(--se-white); }
.se-nav__right { display: flex; align-items: center; gap: 12px; }

/* Language switcher */
.se-lang { position: relative; }
.se-lang__btn { display: flex; align-items: center; gap: 6px; background: transparent; border: 1px solid var(--se-border); border-radius: var(--se-radius-sm); padding: 6px 12px; color: var(--se-muted); font-size: 13px; transition: all var(--se-trans); }
.se-lang__btn:hover { border-color: var(--se-green); color: var(--se-white); }
.se-lang__dropdown { position: absolute; top: calc(100% + 8px); right: 0; min-width: 160px; background: var(--se-surface); border: 1px solid var(--se-border); border-radius: var(--se-radius); overflow: hidden; z-index: 100; }
.se-lang__option { width: 100%; display: flex; align-items: center; gap: 10px; padding: 10px 14px; background: none; border: none; color: var(--se-white); font-size: 13px; font-family: var(--se-font-b); transition: background var(--se-trans); text-align: left; }
.se-lang__option:hover { background: rgba(255,255,255,.05); }
.se-lang__option.active { color: var(--se-green); }

/* Mobile nav */
.se-nav__burger { display: none; flex-direction: column; gap: 5px; background: none; border: none; padding: 4px; }
.se-nav__burger span { display: block; width: 22px; height: 2px; background: var(--se-white); transition: all .3s; }
.se-nav__mobile { position: fixed; inset: 64px 0 0; background: var(--se-bg); z-index: 999; padding: 32px 24px; display: flex; flex-direction: column; gap: 20px; overflow-y: auto; border-top: 1px solid var(--se-border); }
.se-nav__mobile .se-nav__link { font-size: 20px; font-family: var(--se-font-h); color: var(--se-white); text-align: left; }
.se-nav__mobile-langs { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 8px; }
.se-nav__mobile-langs .se-lang__option { width: auto; border: 1px solid var(--se-border); border-radius: var(--se-radius-sm); padding: 6px 12px; }

@media (max-width: 1024px) {
  .se-nav__links, .se-nav__right { display: none; }
  .se-nav__burger { display: flex; }
}

/* ── Sections ── */
.se-section { padding: 96px 0; }
.se-section--dark { background: var(--se-bg); }
.se-section--surface { background: var(--se-surface); }
.se-section__head { text-align: center; margin-bottom: 56px; }
.se-section__head h2 { font-size: clamp(28px,4vw,44px); font-weight: 600; margin-bottom: 12px; }

/* ── Hero ── */
.se-hero { min-height: 100vh; display: flex; align-items: center; padding: 80px 0; position: relative; overflow: hidden; }
.se-hero__glow { position: absolute; inset: 0; background: radial-gradient(ellipse 700px 500px at 40% 50%, rgba(0,201,150,.06) 0%, transparent 70%); pointer-events: none; }
.se-hero .se-container { width: 100%; }
.se-hero__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.se-hero__title { font-size: clamp(36px,5vw,68px); font-weight: 700; line-height: 1.05; margin-bottom: 20px; }
.se-hero__sub { font-size: 18px; line-height: 1.7; max-width: 480px; margin-bottom: 32px; }
.se-hero__btns { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 48px; }
.se-hero__stats { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; padding-top: 40px; border-top: 1px solid var(--se-border); }
.se-stat__val { display: block; font-family: var(--se-font-h); font-size: 28px; font-weight: 700; }
.se-stat__label { display: block; font-size: 12px; margin-top: 3px; }
.se-hero__calc { display: flex; justify-content: flex-end; }

@media (max-width: 900px) {
  .se-hero__grid { grid-template-columns: 1fr; }
  .se-hero__calc { display: none; }
  .se-hero__stats { grid-template-columns: repeat(2,1fr); }
}

/* ── Calculator ── */
.se-calc { background: var(--se-surface); border: 1px solid var(--se-border); border-radius: var(--se-radius); padding: 28px; width: 380px; max-width: 100%; }
.se-calc__title { font-family: var(--se-font-h); font-size: 18px; font-weight: 600; margin-bottom: 24px; }
.se-calc__field { margin-bottom: 20px; }
.se-calc__row { display: flex; justify-content: space-between; font-size: 13px; margin-bottom: 10px; }
.se-calc__result { padding: 16px 0; border-top: 1px solid var(--se-border); margin: 16px 0; }
.se-calc__result p:first-child { font-size: 13px; color: var(--se-muted); margin-bottom: 6px; }
.se-calc__monthly { font-family: var(--se-font-h); font-size: 36px; font-weight: 700; color: var(--se-green); }

/* ── Loans grid ── */
.se-loans-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px,1fr)); gap: 16px; }
.se-loan-card { background: var(--se-surface); border: 1px solid var(--se-border); border-radius: var(--se-radius); padding: 28px; transition: border-color var(--se-trans); }
.se-loan-card:hover { border-color: var(--se-green); }
.se-loan-card__icon { width: 48px; height: 48px; background: rgba(0,201,150,.08); border-radius: var(--se-radius-sm); display: flex; align-items: center; justify-content: center; color: var(--se-green); margin-bottom: 16px; }
.se-loan-card h3 { font-family: var(--se-font-h); font-size: 20px; margin-bottom: 6px; }
.se-loan-card__rate { font-family: var(--se-font-h); font-size: 18px; font-weight: 600; margin-bottom: 4px; }
.se-loan-card .se-muted { font-size: 13px; margin-bottom: 2px; }
.se-loan-card__desc { font-size: 13px; line-height: 1.6; margin: 12px 0; }
.se-loan-card__link { background: none; border: none; font-size: 13px; font-weight: 600; padding: 0; transition: opacity var(--se-trans); }
.se-loan-card__link:hover { opacity: .8; }

/* ── Simulator ── */
.se-sim-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.se-sim__controls, .se-sim__results { display: flex; flex-direction: column; gap: 24px; }
.se-sim__field label { display: block; font-size: 13px; color: var(--se-muted); margin-bottom: 8px; }
.se-sim__row { display: flex; justify-content: space-between; font-size: 13px; margin-bottom: 10px; }
.se-sim__kpi { background: var(--se-surface); border: 1px solid var(--se-border); border-radius: var(--se-radius); padding: 16px; }
.se-sim__kpi span:first-child { display: block; font-size: 12px; color: var(--se-muted); margin-bottom: 6px; }
.se-sim__kpi span:last-child { font-family: var(--se-font-h); font-size: 22px; font-weight: 700; }
.se-amort h3 { font-family: var(--se-font-h); font-size: 22px; margin-bottom: 20px; }
@media (max-width: 700px) { .se-sim-grid { grid-template-columns: 1fr; } }

/* ── Tables ── */
.se-table-wrap { overflow-x: auto; }
.se-table { width: 100%; border-collapse: collapse; font-size: 14px; }
.se-table th { background: var(--se-surface); color: var(--se-green); padding: 12px 16px; text-align: left; font-size: 12px; font-weight: 600; letter-spacing: .5px; text-transform: uppercase; border-bottom: 1px solid var(--se-border); }
.se-table td { padding: 12px 16px; border-bottom: 1px solid var(--se-border); color: var(--se-muted); }
.se-table td:first-child { color: var(--se-white); font-weight: 500; }
.se-table__alt td { background: rgba(255,255,255,.02); }
.se-disclaimer { font-size: 12px; color: var(--se-muted2); margin-top: 16px; line-height: 1.6; }
.se-rates-table th, .se-rates-table td { white-space: nowrap; }

/* ── Advantages ── */
.se-adv-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; }
.se-adv-tile { background: var(--se-bg); border: 1px solid var(--se-border); border-radius: var(--se-radius); padding: 24px; }
.se-adv-tile__icon { margin-bottom: 14px; }
.se-adv-tile h3 { font-family: var(--se-font-h); font-size: 17px; margin-bottom: 8px; }
.se-adv-tile p { font-size: 13px; line-height: 1.6; }
@media (max-width: 900px) { .se-adv-grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 560px) { .se-adv-grid { grid-template-columns: 1fr; } }

/* ── Testimonials ── */
.se-testi-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; }
.se-testi { background: var(--se-surface); border: 1px solid var(--se-border); border-radius: var(--se-radius); padding: 28px; }
.se-testi__stars { display: flex; gap: 3px; margin-bottom: 14px; }
.se-testi__text { font-size: 14px; line-height: 1.7; color: var(--se-muted); margin-bottom: 20px; font-style: italic; }
.se-testi__author { display: flex; align-items: center; gap: 12px; }
.se-testi__avatar { width: 40px; height: 40px; border-radius: 50%; background: rgba(0,201,150,.15); color: var(--se-green); display: flex; align-items: center; justify-content: center; font-family: var(--se-font-h); font-weight: 700; font-size: 14px; flex-shrink: 0; }
.se-testi__author strong { display: block; font-size: 14px; }
.se-testi__author span { font-size: 12px; color: var(--se-muted); }
@media (max-width: 900px) { .se-testi-grid { grid-template-columns: 1fr; } }

/* ── FAQ ── */
.se-faq { display: flex; flex-direction: column; gap: 8px; }
.se-faq__item { border: 1px solid var(--se-border); border-radius: var(--se-radius-sm); overflow: hidden; transition: border-color var(--se-trans); }
.se-faq__item.open { border-left: 3px solid var(--se-green); }
.se-faq__q { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 18px 20px; background: none; border: none; color: var(--se-white); font-family: var(--se-font-b); font-size: 14px; font-weight: 500; text-align: left; transition: background var(--se-trans); }
.se-faq__q:hover { background: rgba(255,255,255,.03); }
.se-faq__icon { flex-shrink: 0; color: var(--se-muted); transition: transform .25s, color .2s; }
.se-faq__item.open .se-faq__icon { transform: rotate(45deg); color: var(--se-green); }
.se-faq__a { padding: 0 20px 18px; }
.se-faq__a p { font-size: 14px; line-height: 1.7; color: var(--se-muted); }

/* ── Contact ── */
.se-contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.se-contact-form { display: flex; flex-direction: column; gap: 14px; }
.se-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.se-contact-success { display: flex; align-items: center; gap: 10px; background: rgba(0,201,150,.08); border: 1px solid rgba(0,201,150,.25); border-radius: var(--se-radius-sm); padding: 14px 16px; font-size: 14px; margin-bottom: 8px; }
.se-contact-info { display: flex; flex-direction: column; gap: 16px; }
.se-contact-detail { display: flex; align-items: center; gap: 12px; font-size: 14px; color: var(--se-muted); }
.se-contact-cta { background: var(--se-bg); border: 1px solid var(--se-border); border-radius: var(--se-radius); padding: 24px; margin-top: 8px; }
.se-contact-cta h3 { font-family: var(--se-font-h); font-size: 18px; margin-bottom: 8px; }
.se-contact-cta p { font-size: 13px; margin-bottom: 16px; }
.se-contact-cta__link { display: flex; align-items: center; gap: 6px; background: none; border: none; font-size: 14px; font-weight: 600; color: var(--se-green); padding: 0; transition: opacity var(--se-trans); }
.se-contact-cta__link:hover { opacity: .8; }
@media (max-width: 800px) {
  .se-contact-grid { grid-template-columns: 1fr; }
  .se-form-row { grid-template-columns: 1fr; }
}

/* ── Footer ── */
.se-footer { border-top: 1px solid var(--se-border); padding: 64px 0 32px; }
.se-footer__grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.se-footer__logo { font-family: var(--se-font-h); font-size: 20px; font-weight: 700; margin-bottom: 10px; }
.se-footer__logo span:first-child { color: var(--se-white); }
.se-footer__tagline { font-size: 13px; margin-bottom: 16px; }
.se-footer__social { display: flex; gap: 12px; }
.se-footer__social a { width: 36px; height: 36px; border: 1px solid var(--se-border); border-radius: 50%; display: flex; align-items: center; justify-content: center; color: var(--se-muted); transition: all var(--se-trans); }
.se-footer__social a:hover { border-color: var(--se-green); color: var(--se-green); }
.se-footer__col-title { font-family: var(--se-font-h); font-size: 13px; font-weight: 600; margin-bottom: 14px; letter-spacing: .5px; }
.se-footer ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.se-footer ul a { font-size: 13px; color: var(--se-muted); transition: color var(--se-trans); }
.se-footer ul a:hover { color: var(--se-white); }
.se-footer__badges { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 32px; }
.se-footer__badges span { font-size: 11px; color: var(--se-muted2); border: 1px solid var(--se-border); border-radius: var(--se-radius-sm); padding: 4px 10px; }
.se-footer__bottom { border-top: 1px solid var(--se-border); padding-top: 20px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 12px; }
.se-footer__bottom p, .se-footer__bottom a { font-size: 12px; color: var(--se-muted2); }
.se-footer__bottom-links { display: flex; gap: 16px; }
.se-footer__bottom-links a:hover { color: var(--se-white); }
@media (max-width: 900px) { .se-footer__grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .se-footer__grid { grid-template-columns: 1fr; } }

/* ── Cookie banner ── */
.se-cookie { position: fixed; bottom: 0; left: 0; right: 0; z-index: 9998; background: var(--se-surface); border-top: 1px solid var(--se-border); padding: 16px 24px; }
.se-cookie__inner { max-width: 1280px; margin: 0 auto; display: flex; flex-wrap: wrap; gap: 16px; align-items: center; justify-content: space-between; }
.se-cookie p { font-size: 13px; color: var(--se-muted); flex: 1; min-width: 200px; }
.se-cookie__btns { display: flex; gap: 10px; flex-shrink: 0; }

/* ── Legal pages ── */
.se-legal h1 { font-family: var(--se-font-h); font-size: clamp(28px,4vw,44px); margin-bottom: 32px; }
.se-legal h2 { font-family: var(--se-font-h); font-size: 20px; margin: 32px 0 12px; color: var(--se-green); }
.se-legal p { font-size: 15px; line-height: 1.8; color: var(--se-muted); margin-bottom: 12px; }

/* ── RTL support ── */
[dir="rtl"] { text-align: right; }
[dir="rtl"] .se-nav__right { flex-direction: row-reverse; }
[dir="rtl"] .se-hero__btns { flex-direction: row-reverse; }
[dir="rtl"] .se-faq__q { flex-direction: row-reverse; }
[dir="rtl"] .se-contact-detail { flex-direction: row-reverse; }
[dir="rtl"] .se-footer__social { flex-direction: row-reverse; }