/* ==============================
   CREDIT PAGE — Premium Design
   ============================== */

/* Hero */
.credit-hero {
  padding: 140px 0 80px;
  background: var(--black);
  position: relative;
  overflow: hidden;
}

.credit-hero::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -100px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(160, 32, 32, 0.1) 0%, transparent 60%);
  pointer-events: none;
}

.credit-hero::after {
  content: '';
  position: absolute;
  bottom: -200px;
  left: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(160, 32, 32, 0.05) 0%, transparent 60%);
  pointer-events: none;
}

.credit-hero__layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
  align-items: center;
}

@media (min-width: 1024px) {
  .credit-hero__layout {
    grid-template-columns: 1.2fr 1fr;
    gap: 64px;
  }
}

.credit-hero__badge {
  display: inline-block;
  padding: 6px 16px;
  border-radius: 8px;
  background: rgba(160, 32, 32, 0.12);
  border: 1px solid rgba(160, 32, 32, 0.25);
  color: #e04040;
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 20px;
}

.credit-hero__title {
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.03em;
  line-height: 1.1;
  margin-bottom: 20px;
}

.credit-hero__title span {
  background: linear-gradient(135deg, #e04040, #a02020);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.credit-hero__desc {
  font-size: 1.1rem;
  color: var(--gray-40);
  max-width: 480px;
  line-height: 1.6;
  margin-bottom: 28px;
}

.credit-hero__btn {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 16px 36px;
  border-radius: 14px;
  background: linear-gradient(135deg, #a02020, #8a1a1a);
  color: #fff;
  font-size: 1rem;
  font-weight: 600;
  text-decoration: none;
  transition: all 0.3s ease;
  box-shadow: 0 4px 24px rgba(160, 32, 32, 0.3);
}

.credit-hero__btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 36px rgba(160, 32, 32, 0.45);
}

.credit-hero__btn span {
  transition: transform 0.2s ease;
}

.credit-hero__btn:hover span {
  transform: translateX(3px);
}

/* Stats */
.credit-hero__stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.credit-stat {
  padding: 28px 24px;
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.06);
  text-align: center;
  transition: all 0.35s ease;
}

.credit-stat:hover {
  border-color: rgba(160, 32, 32, 0.25);
  transform: translateY(-4px);
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.3);
}

.credit-stat__value {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.03em;
  line-height: 1;
  margin-bottom: 8px;
}

.credit-stat__value span {
  font-size: 1.1rem;
  font-weight: 600;
  color: #e04040;
}

.credit-stat__label {
  font-size: 0.78rem;
  color: var(--gray-40);
  line-height: 1.3;
}

/* ===== Intro ===== */
.credit-intro {
  padding: 0 0 80px;
  background: var(--black);
}

.credit-intro__card {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  padding: 48px;
  border-radius: 24px;
  background: linear-gradient(135deg, rgba(160, 32, 32, 0.04) 0%, rgba(255, 255, 255, 0.02) 100%);
  border: 1px solid rgba(255, 255, 255, 0.06);
  position: relative;
  overflow: hidden;
}

@media (min-width: 768px) {
  .credit-intro__card {
    grid-template-columns: 1fr 1fr;
  }
}

.credit-intro__card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(160, 32, 32, 0.3), transparent);
}

.credit-intro__left h2 {
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.2;
}

.credit-intro__text {
  font-size: 1rem;
  color: var(--gray-40);
  line-height: 1.7;
}

.credit-intro__list {
  display: flex;
  flex-direction: column;
  gap: 20px;
  list-style: none;
  padding: 0;
  margin: 0;
}

.credit-intro__list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.credit-check {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: rgba(160, 32, 32, 0.12);
  border: 1px solid rgba(160, 32, 32, 0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #e04040;
  flex-shrink: 0;
  margin-top: 2px;
}

.credit-intro__list strong {
  display: block;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 4px;
}

.credit-intro__list li > div > span {
  font-size: 0.82rem;
  color: var(--gray-30);
  line-height: 1.4;
}

/* ===== Advantages ===== */
.credit-advantages {
  padding: 0 0 80px;
  background: var(--black);
}

.credit-adv__heading {
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 40px;
  text-align: center;
}

.credit-adv__grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
}

@media (min-width: 768px) {
  .credit-adv__grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.credit-adv__card {
  position: relative;
  padding: 40px 32px;
  border-radius: 20px;
  background: rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(255, 255, 255, 0.06);
  transition: all 0.35s ease;
  overflow: hidden;
}

.credit-adv__card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, rgba(160, 32, 32, 0.4), transparent);
  opacity: 0;
  transition: opacity 0.35s ease;
}

.credit-adv__card:hover::before {
  opacity: 1;
}

.credit-adv__card:hover {
  border-color: rgba(160, 32, 32, 0.2);
  transform: translateY(-6px);
  box-shadow: 0 16px 48px rgba(0, 0, 0, 0.35);
  background: rgba(160, 32, 32, 0.03);
}

.credit-adv__num {
  position: absolute;
  top: 16px;
  right: 20px;
  font-size: 4.5rem;
  font-weight: 800;
  color: rgba(160, 32, 32, 0.05);
  line-height: 1;
  pointer-events: none;
  transition: color 0.35s ease;
}

.credit-adv__card:hover .credit-adv__num {
  color: rgba(160, 32, 32, 0.1);
}

.credit-adv__icon-wrap {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: rgba(160, 32, 32, 0.1);
  border: 1px solid rgba(160, 32, 32, 0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #e04040;
  margin-bottom: 24px;
  transition: all 0.35s ease;
}

.credit-adv__card:hover .credit-adv__icon-wrap {
  background: rgba(160, 32, 32, 0.18);
  transform: scale(1.05);
}

.credit-adv__card h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}

.credit-adv__card p {
  font-size: 0.88rem;
  color: var(--gray-30);
  line-height: 1.65;
}

/* ===== CTA ===== */
.credit-cta {
  padding: 80px 0;
  background: var(--black);
}

.credit-cta__card {
  text-align: center;
  padding: 64px 40px;
  border-radius: 28px;
  background: linear-gradient(135deg, rgba(160, 32, 32, 0.1) 0%, rgba(10, 10, 10, 0.6) 100%);
  border: 1px solid rgba(160, 32, 32, 0.15);
  position: relative;
  overflow: hidden;
}

.credit-cta__card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(160, 32, 32, 0.4), transparent);
}

.credit-cta__card::after {
  content: '';
  position: absolute;
  top: -50%;
  left: -50%;
  width: 200%;
  height: 200%;
  background: radial-gradient(circle at 30% 30%, rgba(160, 32, 32, 0.06), transparent 50%);
  pointer-events: none;
}

.credit-cta__card h2 {
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
  position: relative;
}

.credit-cta__card > p {
  font-size: 1rem;
  color: var(--gray-40);
  max-width: 580px;
  margin: 0 auto 32px;
  line-height: 1.6;
  position: relative;
}

.credit-cta__form {
  display: flex;
  gap: 12px;
  max-width: 480px;
  margin: 0 auto;
  position: relative;
}

@media (max-width: 640px) {
  .credit-cta__form {
    flex-direction: column;
  }
}

.credit-cta__input {
  flex: 1;
  padding: 16px 20px;
  border-radius: 14px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  background: rgba(255, 255, 255, 0.05);
  color: var(--white);
  font-size: 1rem;
  font-family: 'Inter', sans-serif;
  text-align: center;
  outline: none;
  transition: all 0.25s ease;
}

.credit-cta__input::placeholder {
  color: var(--gray-30);
}

.credit-cta__input:focus {
  border-color: rgba(160, 32, 32, 0.4);
  box-shadow: 0 0 0 3px rgba(160, 32, 32, 0.1);
}

.credit-cta__btn {
  padding: 16px 32px;
  border-radius: 14px;
  border: none;
  background: linear-gradient(135deg, #a02020, #8a1a1a);
  color: #fff;
  font-size: 0.95rem;
  font-weight: 600;
  font-family: 'Inter', sans-serif;
  cursor: pointer;
  transition: all 0.3s ease;
  box-shadow: 0 4px 20px rgba(160, 32, 32, 0.3);
  white-space: nowrap;
}

.credit-cta__btn:hover {
  background: linear-gradient(135deg, #b82525, #a02020);
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(160, 32, 32, 0.4);
}

.credit-cta__btn span {
  display: inline-block;
  margin-left: 4px;
  transition: transform 0.2s ease;
}

.credit-cta__btn:hover span {
  transform: translateX(3px);
}

/* Success */
.credit-cta__success {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  padding: 20px;
  border-radius: 14px;
  background: rgba(34, 197, 94, 0.08);
  border: 1px solid rgba(34, 197, 94, 0.2);
  max-width: 480px;
  margin: 0 auto;
  animation: creditFadeIn 0.3s ease;
}

.credit-cta__success-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(34, 197, 94, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #22c55e;
  font-weight: 700;
  flex-shrink: 0;
}

.credit-cta__success span {
  font-size: 0.92rem;
  color: #22c55e;
}

@keyframes creditFadeIn {
  from { opacity: 0; transform: scale(0.95); }
  to { opacity: 1; transform: scale(1); }
}