:root{--cr48-navy:#082b54;--cr48-green:#087a55;--cr48-soft:#f3f8f7;--cr48-line:#d5e4e2;--cr48-text:#36566b;--cr48-shadow:0 18px 46px rgba(7,39,74,.08)}
.cr48-section{padding:clamp(52px,7vw,82px) 0;background:#fff}.cr48-section--soft{background:var(--cr48-soft)}.cr48-heading{max-width:780px;margin-bottom:26px}.cr48-heading span{color:var(--cr48-green);font-size:.74rem;font-weight:900;letter-spacing:.06em;text-transform:uppercase}.cr48-heading h2{margin:8px 0;color:var(--cr48-navy);font-size:clamp(1.9rem,3.4vw,3rem);line-height:1.08}.cr48-heading p{margin:0;color:var(--cr48-text);line-height:1.7}.cr48-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.cr48-card{min-width:0;padding:22px;border:1px solid var(--cr48-line);border-radius:20px;background:#fff;box-shadow:var(--cr48-shadow)}.cr48-card h3{margin:0 0 9px;color:var(--cr48-navy);font-size:1.08rem}.cr48-card p,.cr48-card li{color:var(--cr48-text);font-size:.88rem;line-height:1.65}.cr48-card ul{margin:10px 0 0;padding-left:19px}.cr48-kicker{display:inline-flex;margin-bottom:14px;padding:6px 10px;border-radius:999px;color:var(--cr48-green);background:#e8f5f0;font-size:.7rem;font-weight:900;text-transform:uppercase}.cr48-table-wrap{max-width:100%;overflow-x:auto;border:1px solid var(--cr48-line);border-radius:18px;background:#fff}.cr48-table{width:100%;min-width:820px;border-collapse:collapse}.cr48-table th,.cr48-table td{padding:15px;border-bottom:1px solid #e2eceb;text-align:left;vertical-align:top;line-height:1.55}.cr48-table th{color:var(--cr48-navy);background:#eef6f4}.cr48-table td:first-child{color:var(--cr48-navy);font-weight:850}.cr48-note{margin:20px 0 0;padding:16px 18px;border-left:4px solid var(--cr48-green);border-radius:12px;color:var(--cr48-text);background:#edf7f3;line-height:1.65}.cr48-links{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:10px;margin-top:24px}.cr48-links a{display:flex;align-items:center;justify-content:center;min-height:48px;padding:11px;border:1px solid var(--cr48-line);border-radius:13px;color:var(--cr48-navy);background:#fff;font-weight:850;text-align:center;text-decoration:none}.cr48-links a:hover{border-color:#8fbeb0;background:#f8fcfb}.cr48-table-wrap:focus-visible,.cr48-links a:focus-visible{outline:3px solid #0c6e9b;outline-offset:3px}
@media(max-width:980px){.cr48-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.cr48-links{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:720px){.credits-premium-page .credits-hero__visual img{object-position:62% center}}
@media(max-width:640px){.cr48-section{padding:46px 0}.cr48-grid,.cr48-links{grid-template-columns:1fr}.cr48-card{padding:19px}.cr48-table{font-size:.84rem}}

/* Smart Credit Calculator — compact premium introduction */
.credits-simulators{padding:34px 0;background:linear-gradient(135deg,#f5fbf8 0%,#fff 54%,#f7fafc 100%)}
.credits-calculator-promo{display:grid;grid-template-columns:minmax(0,1.52fr) minmax(300px,.92fr);align-items:center;gap:clamp(30px,4vw,52px);padding:26px 34px;border:1px solid rgba(8,68,92,.13);border-radius:26px;background:rgba(255,255,255,.9);box-shadow:0 18px 46px rgba(8,37,61,.08)}
.credits-calculator-promo__copy{min-width:0}.credits-calculator-promo__copy h2{max-width:720px;margin:10px 0 11px;color:#082b54;font-size:clamp(2rem,2.7vw,2.55rem);line-height:1.08;letter-spacing:-.035em}.credits-calculator-promo__copy>p:not(.credits-calculator-disclaimer){max-width:680px;margin:0;color:#496579;line-height:1.58}
.credits-calculator-disclaimer{display:flex;align-items:flex-start;gap:10px;max-width:680px;margin:14px 0 0;padding:10px 13px;border:1px solid rgba(8,122,85,.14);border-radius:14px;background:#f1f8f5;color:#496579;font-size:.84rem;line-height:1.45;text-align:left}.credits-calculator-disclaimer>span{display:grid;flex:0 0 24px;width:24px;height:24px;place-items:center;color:#087a55}.credits-calculator-disclaimer svg{width:18px;height:18px}
.credits-calculator-promo__actions{display:grid;grid-template-columns:82px minmax(0,1fr);align-items:center;gap:18px;min-width:0}.credits-calculator-promo__visual{display:grid;width:82px;height:82px;place-items:center;color:#087a55}.credits-calculator-promo__visual svg{width:76px;height:64px}.credits-calculator-promo__buttons{display:grid;gap:12px}.credits-calculator-promo__buttons .btn{display:flex;width:100%;min-height:52px;justify-content:center;gap:10px;padding-inline:17px;white-space:normal;text-align:center}.credits-calculator-promo__buttons .btn svg{flex:0 0 21px;width:21px;height:21px}
@media(max-width:980px){.credits-calculator-promo{grid-template-columns:minmax(0,1.35fr) minmax(280px,.9fr);gap:26px;padding:26px 28px}.credits-calculator-promo__actions{grid-template-columns:60px minmax(0,1fr)}.credits-calculator-promo__visual{width:60px}.credits-calculator-promo__visual svg{width:56px}}
@media(max-width:820px){.credits-simulators{padding:30px 0}.credits-calculator-promo{grid-template-columns:1fr;gap:20px}.credits-calculator-promo__actions{grid-template-columns:64px minmax(0,1fr)}}
@media(max-width:560px){.credits-simulators{padding:22px 0}.credits-calculator-promo{gap:14px;padding:18px 16px;border-radius:23px}.credits-calculator-promo__copy h2{margin:10px 0;font-size:clamp(1.75rem,8.4vw,2.05rem);line-height:1.08}.credits-calculator-promo__copy>p:not(.credits-calculator-disclaimer){line-height:1.5}.credits-calculator-disclaimer{margin-top:12px;padding:9px 11px}.credits-calculator-promo__actions{display:block}.credits-calculator-promo__visual{display:none}.credits-calculator-promo__buttons{gap:9px}.credits-calculator-promo__buttons .btn{min-height:48px}}

/* Credite — compact human-facing summary */
.credits-brief-section{padding:50px 0;background:#f4f8fa}.credits-brief-panel{display:grid;grid-template-columns:minmax(300px,.56fr) minmax(0,1fr);gap:24px;padding:22px;border:1px solid rgba(8,48,82,.11);border-radius:26px;background:#fff;box-shadow:0 18px 46px rgba(8,37,61,.07)}
.credits-brief-intro{display:flex;min-width:0;flex-direction:column;align-items:flex-start;justify-content:center;padding:30px;border-radius:22px;color:#fff;background:linear-gradient(145deg,#0b3659 0%,#095c55 100%)}.credits-brief-intro__icon{display:grid;width:48px;height:48px;place-items:center;margin-bottom:20px;border:1px solid rgba(255,255,255,.2);border-radius:15px;color:#7ce2ba;background:rgba(255,255,255,.08)}.credits-brief-intro__icon svg{width:26px;height:26px}.credits-brief-kicker{display:inline-flex;margin-bottom:10px;color:#9cebcf;font-size:.73rem;font-weight:900;letter-spacing:.08em;text-transform:uppercase}.credits-brief-intro h2{max-width:360px;margin:0;color:#fff;font-size:clamp(2rem,3vw,2.75rem);line-height:1.08;letter-spacing:-.035em}.credits-brief-intro p{max-width:390px;margin:15px 0 22px;color:rgba(255,255,255,.82);line-height:1.62}.credits-brief-calculator{display:inline-flex;min-height:46px;align-items:center;justify-content:center;gap:9px;padding:11px 16px;border:1px solid rgba(255,255,255,.28);border-radius:13px;color:#fff;background:rgba(255,255,255,.1);font-weight:850;text-decoration:none}.credits-brief-calculator:hover{background:rgba(255,255,255,.16)}.credits-brief-calculator:focus-visible{outline:3px solid #fff;outline-offset:3px}.credits-brief-calculator svg{width:20px;height:20px}
.credits-brief-content{display:flex;min-width:0;flex-direction:column;justify-content:center;gap:16px}.credits-brief-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}.credits-brief-cards article{display:flex;min-width:0;flex-direction:column;padding:20px;border:1px solid rgba(8,48,82,.11);border-radius:20px;background:#fff;box-shadow:0 12px 28px rgba(8,37,61,.05)}.credits-brief-card__icon{display:grid;width:42px;height:42px;place-items:center;margin-bottom:18px;border:1px solid rgba(8,122,85,.12);border-radius:13px;color:#087a55;background:#eaf7f2}.credits-brief-card__icon svg{width:23px;height:23px}.credits-brief-cards h3{margin:0 0 9px;color:#082b54;font-size:1.02rem;line-height:1.25}.credits-brief-cards p{margin:0;color:#4d6679;font-size:.9rem;line-height:1.6}
.credits-brief-cta{display:flex;align-items:center;justify-content:space-between;gap:22px;padding:18px 20px;border:1px solid rgba(8,122,85,.14);border-radius:18px;background:#eef8f4}.credits-brief-cta>div{min-width:0}.credits-brief-cta h3{margin:0 0 5px;color:#082b54;font-size:1.05rem;line-height:1.3}.credits-brief-cta p{margin:0;color:#4d6679;font-size:.88rem;line-height:1.5}.credits-brief-cta .btn{flex:0 0 auto;min-height:46px;justify-content:center;white-space:nowrap}
@media(max-width:1080px){.credits-brief-panel{grid-template-columns:minmax(280px,.5fr) minmax(0,1fr);gap:18px}.credits-brief-intro{padding:26px}.credits-brief-cards{gap:10px}.credits-brief-cards article{padding:17px}.credits-brief-cta{align-items:flex-start;flex-direction:column;gap:12px}.credits-brief-cta .btn{width:100%}}
@media(max-width:840px){.credits-brief-section{padding:38px 0}.credits-brief-panel{grid-template-columns:1fr;padding:18px}.credits-brief-intro{min-height:0}.credits-brief-cards article{min-height:0}}
@media(max-width:640px){.credits-brief-section{padding:18px 0}.credits-brief-panel{gap:8px;padding:9px;border-radius:22px}.credits-brief-intro{padding:16px;border-radius:18px}.credits-brief-intro__icon{width:36px;height:36px;margin-bottom:8px}.credits-brief-intro__icon svg{width:20px;height:20px}.credits-brief-intro h2{font-size:clamp(1.75rem,8.3vw,2.05rem)}.credits-brief-intro p{margin:8px 0 12px;line-height:1.48}.credits-brief-calculator{width:100%;min-height:44px}.credits-brief-content{gap:8px}.credits-brief-cards{grid-template-columns:1fr;gap:6px}.credits-brief-cards article{display:grid;grid-template-columns:38px minmax(0,1fr);min-height:120px;column-gap:11px;row-gap:4px;padding:12px}.credits-brief-card__icon{grid-row:1 / 3;width:38px;height:38px;margin:0}.credits-brief-cards h3,.credits-brief-cards p{grid-column:2;margin:0}.credits-brief-cta{gap:8px;padding:12px}.credits-brief-cta .btn{align-self:flex-start;width:calc(100% - 58px);min-height:44px;white-space:normal;text-align:center}}