:root {
  --santander-red: #ec0000;
  --santander-red-dark: #c20000;
  --santander-red-light: #ff3333;
  --dark: #1a1a1a;
  --muted: #5a5a5a;
  --line: #e8e8e8;
  --soft: #f8f8f8;
  --white: #ffffff;
  --shadow: 0 20px 50px rgba(236, 0, 0, 0.12);
  --radius: 16px;
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--dark);
  background: #fff;
  line-height: 1.6;
}

a {
  text-decoration: none;
  color: inherit;
}

.wrap {
  width: min(1160px, 92%);
  margin: auto;
}

.topbar {
  background: #8b0000;
  color: #fff;
  font-size: 13px;
  padding: 8px 0;
}

.topbar .wrap {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  align-items: center;
}

.notice {
  font-weight: 900;
  color: #fff;
}

header {
  position: sticky;
  top: 0;
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(10px);
  z-index: 50;
  border-bottom: 1px solid var(--line);
}

.nav {
  height: 74px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 900;
  color: var(--santander-red);
}

.brand img {
  height: 42px;
  width: auto;
}

.brand small {
  display: block;
  color: var(--muted);
  font-weight: 700;
  font-size: 12px;
  margin-top: -4px;
}

.links {
  display: flex;
  gap: 18px;
  align-items: center;
  font-weight: 800;
  font-size: 14px;
}

.links a {
  color: #333;
  transition: color 0.2s;
}

.links a:hover {
  color: var(--santander-red);
}

.menu-btn {
  display: none;
  border: 0;
  background: var(--santander-red);
  color: #fff;
  border-radius: 12px;
  padding: 10px 13px;
  font-weight: 900;
  cursor: pointer;
}

.hero {
  background: linear-gradient(135deg, #fff5f5 0%, #ffe8e8 30%, #fff 70%);
  padding: 76px 0 54px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.12fr 0.88fr;
  gap: 34px;
  align-items: center;
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #ffeaea;
  color: var(--santander-red);
  border: 1px solid #ffcccc;
  padding: 8px 13px;
  border-radius: 999px;
  font-weight: 900;
  font-size: 13px;
}

.hero h1 {
  font-size: clamp(34px, 5vw, 56px);
  line-height: 1.08;
  margin: 18px 0;
  color: #1a1a1a;
  letter-spacing: -1.2px;
}

.hero h1 span {
  color: var(--santander-red);
}

.hero p {
  font-size: 18px;
  color: #444;
  margin: 0 0 24px;
  max-width: 760px;
}

.actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 14px;
  padding: 13px 20px;
  font-weight: 900;
  border: 1px solid transparent;
  cursor: pointer;
  transition: all 0.2s;
}

.primary {
  background: var(--santander-red);
  color: #fff;
}

.primary:hover {
  background: var(--santander-red-dark);
}

.secondary {
  background: #fff;
  color: var(--santander-red);
  border-color: #ffcccc;
}

.secondary:hover {
  background: #fff5f5;
}

.hero-card,
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow);
}

.hero-card h2,
.card h3 {
  margin: 0 0 12px;
  color: var(--santander-red);
}

.list {
  padding: 0;
  margin: 0;
  list-style: none;
}

.list li {
  padding: 10px 0;
  border-bottom: 1px solid var(--line);
  display: flex;
  gap: 10px;
  align-items: flex-start;
}

.list li:last-child {
  border-bottom: 0;
}

.list li::before {
  content: "✓";
  color: var(--santander-red);
  font-weight: 900;
  flex-shrink: 0;
}

.section {
  padding: 60px 0;
}

.section.alt {
  background: var(--soft);
}

.head {
  text-align: center;
  margin-bottom: 40px;
}

.head h2 {
  font-size: clamp(26px, 3vw, 36px);
  color: #1a1a1a;
  margin: 0 0 12px;
}

.head h2 strong {
  color: var(--santander-red);
}

.head p {
  color: var(--muted);
  max-width: 700px;
  margin: 0 auto;
  font-size: 16px;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.grid-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  align-items: center;
}

.feature-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.06);
  transition: transform 0.2s, box-shadow 0.2s;
}

.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(236, 0, 0, 0.1);
}

.feature-card .icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: #ffeaea;
  display: grid;
  place-items: center;
  margin-bottom: 16px;
  font-size: 24px;
}

.feature-card h3 {
  margin: 0 0 10px;
  color: #1a1a1a;
  font-size: 18px;
}

.feature-card p {
  margin: 0;
  color: var(--muted);
  font-size: 15px;
}

.image-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
}

.image-block img {
  width: 100%;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.image-block.rev {
  direction: rtl;
}

.image-block.rev > * {
  direction: ltr;
}

.cta-section {
  background: linear-gradient(135deg, var(--santander-red), var(--santander-red-dark));
  color: #fff;
  padding: 60px 0;
  text-align: center;
}

.cta-section h2 {
  margin: 0 0 12px;
  font-size: clamp(26px, 3vw, 36px);
}

.cta-section p {
  margin: 0 0 24px;
  opacity: 0.95;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

.cta-section .btn {
  background: #fff;
  color: var(--santander-red);
}

.cta-section .btn:hover {
  background: #ffeaea;
}

.faq details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  margin-bottom: 12px;
  padding: 0;
  overflow: hidden;
}

.faq summary {
  padding: 18px 22px;
  font-weight: 800;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.faq summary::-webkit-details-marker {
  display: none;
}

.faq summary::after {
  content: "+";
  font-size: 22px;
  color: var(--santander-red);
  font-weight: 400;
}

.faq details[open] summary::after {
  content: "−";
}

.faq details p {
  padding: 0 22px 18px;
  margin: 0;
  color: var(--muted);
}

footer {
  background: #1a1a1a;
  color: #ccc;
  padding: 48px 0 24px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 32px;
}

.footer-brand img {
  height: 36px;
  margin-bottom: 12px;
}

.footer-brand p {
  font-size: 14px;
  line-height: 1.6;
  color: #999;
}

.footer-col h4 {
  color: #fff;
  margin: 0 0 14px;
  font-size: 15px;
}

.footer-col a {
  display: block;
  color: #999;
  font-size: 14px;
  margin-bottom: 8px;
  transition: color 0.2s;
}

.footer-col a:hover {
  color: #fff;
}

.footer-bottom {
  border-top: 1px solid #333;
  padding-top: 20px;
  text-align: center;
  font-size: 13px;
  color: #777;
}

.hero-img-wrap {
  position: relative;
}

.hero-img-wrap img {
  width: 100%;
  border-radius: 50%;
  box-shadow: 0 20px 60px rgba(236, 0, 0, 0.25);
  border: 6px solid #fff;
}

.circle-accent {
  position: absolute;
  inset: -12px;
  border: 3px solid var(--santander-red);
  border-radius: 50%;
  pointer-events: none;
}

@media (max-width: 900px) {
  .hero-grid,
  .grid-3,
  .grid-2,
  .image-block,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .links {
    display: none;
  }

  .menu-btn {
    display: block;
  }

  .image-block.rev {
    direction: ltr;
  }
}

.seo-context {
  font-size: 14px;
  color: var(--muted);
}

.logo-white {
  filter: brightness(0) invert(1);
}

.page-hero {
  background: linear-gradient(135deg, #fff5f5 0%, #ffe8e8 40%, #fff 80%);
  padding: 48px 0 36px;
  text-align: center;
}

.page-hero h1 {
  font-size: clamp(28px, 4vw, 42px);
  margin: 0 0 12px;
  color: #1a1a1a;
}

.page-hero h1 span {
  color: var(--santander-red);
}

.page-hero p {
  max-width: 700px;
  margin: 0 auto;
  color: var(--muted);
  font-size: 17px;
}

.content-block {
  max-width: 800px;
  margin: 0 auto;
}

.content-block h2 {
  color: var(--santander-red);
  margin-top: 32px;
}

.content-block ul {
  padding-left: 20px;
}

.content-block li {
  margin-bottom: 8px;
}