.cl-hero{position:relative;background:var(--white);min-height:80vh;display:flex;flex-direction:column;overflow:hidden}.cl-hero__bg{position:absolute;inset:0 0 0 auto;width:55%;z-index:0;background:url(https://images.unsplash.com/photo-1450101499163-c8848c66ca85?w=1400&q=80&fm=webp) center 30%/cover no-repeat}.cl-hero__bg:after{content:"";position:absolute;inset:0;background:linear-gradient(to right,var(--white) 0%,rgba(255,255,255,.92) 15%,rgba(255,255,255,.6) 35%,rgba(255,255,255,0) 55%);pointer-events:none}.cl-hero__inner{flex:1;display:flex;align-items:center;padding:48px clamp(24px,5vw,72px) 80px;position:relative;z-index:2;margin-left:0}.cl-hero__content{max-width:580px}.cl-hero__title{font-family:var(--font-serif);font-size:clamp(1.9rem,3vw,2.4rem);font-weight:700;color:var(--gray-900);margin-bottom:14px}.cl-hero__desc{font-weight:600;color:var(--gray-700);font-size:1.02rem;margin-bottom:10px}.cl-hero__sub{color:var(--gray-600);font-size:.96rem;margin-bottom:18px;max-width:520px}.cl-hero__form{display:flex;gap:10px;margin-bottom:16px;max-width:540px}.cl-hero__input{flex:1;padding:11px 14px;border:1.5px solid rgba(96,165,250,.9);border-radius:8px;font-size:.92rem;color:var(--gray-800);background:var(--white);box-shadow:0 0 0 3px #60a5fa26;transition:border-color .2s,box-shadow .2s}.cl-hero__input::placeholder{color:var(--gray-400)}.cl-hero__input:focus{border-color:#60a5fae6;box-shadow:0 0 0 4px #60a5fa40;outline:none}.cl-hero__alt{text-align:left;font-size:.88rem;color:var(--gray-600);line-height:1.65;max-width:540px}.cl-hero__alt a{color:var(--primary-light);text-decoration:underline}.cl-hero__security{background:var(--gray-50);padding:10px 0;position:relative;z-index:2}.cl-hero__security-inner{display:flex;align-items:center;gap:6px;color:var(--gray-500);font-size:.72rem;font-weight:600;letter-spacing:.05em}.cl-breadcrumb{padding:16px 0;font-size:.85rem;color:var(--gray-400)}.cl-breadcrumb a{color:var(--gray-500);text-decoration:underline}.cl-accent{color:var(--primary);margin-right:4px}.cl-easy{padding:56px 0 48px}.cl-terms__grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:36px;max-width:700px;margin-left:auto;margin-right:auto}.cl-terms__item{display:flex;align-items:flex-start;gap:14px}.cl-terms__icon{color:var(--primary);flex-shrink:0;margin-top:2px}.cl-terms__months{font-weight:700;font-size:1.05rem;color:var(--navy);margin-bottom:2px}.cl-terms__desc{font-size:.85rem;color:var(--gray-500)}.cl-consolidate{padding:48px 0 64px;background:var(--gray-50)}.cl-consolidate__card{margin-top:40px;display:flex;background:var(--white);border-radius:12px;overflow:hidden;box-shadow:0 2px 16px #0000000f;max-width:700px;margin-left:auto;margin-right:auto}.cl-consolidate__img{width:280px;flex-shrink:0}.cl-consolidate__img img{width:100%;height:100%;object-fit:cover}.cl-consolidate__body{padding:28px 24px;display:flex;flex-direction:column}.cl-consolidate__body h3{font-size:1.15rem;font-weight:700;color:var(--navy);margin-bottom:12px}.cl-consolidate__body p{color:var(--gray-600);font-size:.88rem;line-height:1.6;margin-bottom:20px;flex:1}.cl-calc-promo{padding:8px 0 32px}.cl-calc-promo__inner{background:var(--gray-50);border:1px solid var(--gray-200);border-radius:10px;padding:18px 24px;text-align:center}.cl-calc-promo__inner p{color:var(--gray-700);font-size:.95rem;margin:0}.cl-calc-promo__inner a{color:var(--accent);font-weight:600}.cl-commitment{padding:40px 0}.cl-commitment__inner{background:linear-gradient(135deg,var(--primary-lighter) 0%,#e0f2fe 100%);border-radius:12px;padding:28px 36px;display:flex;align-items:center;justify-content:center;gap:20px}.cl-commitment__inner p{color:var(--gray-700);font-size:.95rem}@media(max-width:768px){.cl-hero{min-height:auto}.cl-hero__bg{position:relative;width:100%;height:220px;border-radius:0 0 16px 16px;overflow:hidden}.cl-hero__bg:after{background:linear-gradient(to bottom,rgba(255,255,255,0) 50%,var(--white) 100%)}.cl-hero__inner{padding:20px 20px 40px}.cl-hero__content{max-width:100%}.cl-hero__form{flex-direction:column;max-width:100%}.cl-hero__form .btn-primary{width:100%}.cl-hero__alt{text-align:center}.cl-terms__grid{grid-template-columns:1fr}.cl-consolidate__card{flex-direction:column}.cl-consolidate__img{width:100%;height:200px}.cl-commitment__inner{flex-direction:column;text-align:center}}.cl-faq{position:relative;z-index:1;padding:40px 0;background:var(--white)}.cl-faq__item{padding:16px 0;border-bottom:1px solid var(--gray-200, #e5e7eb)}.cl-faq__item h3{margin:0 0 6px;font-size:1.05rem;color:var(--primary-dark)}.cl-faq__item p{margin:0;color:var(--gray-600);line-height:1.7;font-size:.95rem}