.borrower-page{background-color:var(--white)}.borrower-hero{background:linear-gradient(135deg,var(--dark-brown) 0%,var(--mid-brown) 100%);padding:80px 0;color:var(--white);position:relative;overflow:hidden}.borrower-hero:before{content:"";position:absolute;bottom:-100px;left:-100px;width:400px;height:400px;background:radial-gradient(circle,rgba(212,175,55,.15) 0%,transparent 70%);z-index:1}.borrower-hero .container{position:relative;z-index:2;display:flex;align-items:center;justify-content:space-between;gap:40px}.hero-text-content{flex:1;min-width:0}.hero-sub-title{background:var(--gold-primary);color:var(--dark-brown);padding:8px 25px;font-size:20px;font-weight:700;display:inline-block;border-radius:5px;margin-bottom:25px;font-family:Prompt,sans-serif}.hero-main-title{font-size:72px;font-weight:800;color:var(--white);margin-bottom:15px;line-height:1.1;font-family:Prompt,sans-serif}.hero-interest-label{font-size:32px;font-weight:600;margin-bottom:10px;color:#ffffffe6}.hero-interest-value{font-size:90px;font-weight:800;color:var(--gold-primary);line-height:1;margin-bottom:30px;display:flex;align-items:baseline;gap:15px}.hero-interest-value span{font-size:30px;color:var(--white)}.hero-checks{display:flex;flex-wrap:wrap;gap:20px;margin-bottom:35px}.check-item{display:flex;align-items:center;gap:10px;font-size:18px;font-weight:600;background:#ffffff1a;padding:10px 20px;border-radius:50px;border:1px solid rgba(212,175,55,.3)}.check-item i{color:var(--gold-primary)}.hero-summary{font-size:24px;font-weight:700;color:var(--gold-primary);font-family:Prompt,sans-serif}.form-card-container{flex:0 0 450px;position:relative;z-index:10;min-width:0}.hero-image-wrap img{width:100%;height:auto;filter:drop-shadow(0 20px 50px rgba(0,0,0,.5))}.borrower-benefits{padding:100px 0 50px;text-align:center}.benefits-header{margin-bottom:70px}.benefits-header h2{font-size:42px;font-weight:800;color:var(--dark-brown);margin-bottom:10px}.benefits-header p{font-size:20px;color:var(--gold-dark);font-weight:600}.benefits-grid{display:grid;grid-template-columns:repeat(4,minmax(240px,280px));justify-content:center;gap:30px;max-width:1250px;margin:0 auto}.benefit-card{min-height:350px;padding:48px 28px 40px;background:var(--white);border-radius:20px;box-shadow:0 10px 30px #0000000d;transition:all .3s ease;border:1px solid #f5f5f5;display:flex;flex-direction:column;align-items:center}.benefit-card:hover{transform:translateY(-10px);border-color:var(--gold-primary);box-shadow:0 15px 40px var(--shadow-gold)}.benefit-icon-box{width:100px;height:100px;background:var(--gold-cream);border-radius:50%;display:flex;align-items:center;justify-content:center;margin-bottom:25px;font-size:40px;color:var(--gold-dark);transition:all .3s}.benefit-card:hover .benefit-icon-box{background:var(--gold-primary);color:var(--white)}.benefit-card h3{font-size:19px;font-weight:700;color:var(--dark-brown);margin-bottom:18px;line-height:1.4}.benefit-card p{font-size:16px;color:var(--text-gray);line-height:1.6}.borrower-explanation{padding:30px 0 80px;background:#fdfdfd}.explanation-box{background:var(--white);padding:50px;border-radius:20px;box-shadow:0 5px 25px #00000008;border:1px solid rgba(212,175,55,.1)}.explanation-title{font-size:32px;font-weight:800;color:var(--dark-brown);margin-bottom:25px;border-bottom:3px solid var(--gold-primary);display:inline-block}.explanation-content{font-size:17px;line-height:1.8;color:var(--text-dark)}.explanation-content p{margin-bottom:20px}.explanation-advantages{margin-top:50px;padding-top:40px;border-top:1px solid #eee}.advantages-title{font-size:26px;font-weight:800;color:var(--gold-dark);margin-bottom:25px}.advantages-list{list-style:none;padding:0}.advantages-list li{margin-bottom:15px;display:flex;gap:12px;font-size:16px;color:var(--text-dark)}.advantages-list li i{color:var(--gold-primary);margin-top:4px}.calc-example-box{margin-top:50px;background:var(--gold-pale);padding:40px;border-radius:15px;border-left:5px solid var(--gold-primary);text-align:left}.calc-title{font-size:24px;font-weight:800;color:var(--dark-brown);margin-bottom:20px}.calc-intro{margin-bottom:25px;color:var(--mid-brown)}.calc-table{background:var(--white);padding:25px;border-radius:10px;box-shadow:0 4px 10px #0000000d}.calc-row{display:flex;justify-content:space-between;margin-bottom:15px;border-bottom:1px dashed #ddd;padding-bottom:10px}.calc-row:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}.calc-row.highlight b{color:var(--gold-dark);font-size:20px}.calc-row.total b{color:var(--dark-brown);font-size:20px}@media(max-width:1200px){.hero-main-title{font-size:56px}.hero-interest-value{font-size:70px}.benefits-grid{grid-template-columns:repeat(2,minmax(240px,320px))}}@media(max-width:992px){.borrower-hero .container{flex-direction:column;text-align:center}.hero-interest-value,.hero-checks{justify-content:center}.hero-image-wrap{flex:0 0 auto;max-width:400px}.explanation-box{padding:30px}}@media(max-width:768px){.benefits-grid{grid-template-columns:repeat(2,minmax(220px,1fr));gap:20px}.benefit-card{min-height:320px;padding:40px 24px 34px}.hero-main-title{font-size:42px}.calc-row{flex-direction:column;gap:5px}.calc-row b{text-align:right}}@media(max-width:480px){.benefits-grid{grid-template-columns:1fr}}