:root {
  --personal-bg: #f6f8ff;
  --personal-card: #ffffff;
  --personal-dark: #0d1d3e;
  --personal-accent: #244fe2;
  --personal-alt: #ecf3ff;
  --personal-text: #1b2946;
  --personal-muted: #5f6880;
  --personal-soft: #eff5ff;
}

.personal-page {
  background:
    radial-gradient(ellipse at 20% 18%, rgba(201, 197, 189, 0.2) 0%, rgba(201, 197, 189, 0.08) 16%, transparent 32%),
    radial-gradient(ellipse at 80% 14%, rgba(187, 206, 230, 0.18) 0%, transparent 26%),
    linear-gradient(180deg, #f9f6f2 0%, #f5f7fb 24%, #eef4ff 100%);
  color: var(--personal-text);
}

.personal-hero {
  padding: 82px 0 42px;
}

.personal-hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 36px;
  align-items: center;
}

.breadcrumb {
  font-size: 0.8rem;
  letter-spacing: 0.05em;
  color: var(--personal-muted);
  text-transform: uppercase;
  margin-bottom: 18px;
}

.hero-copy h1 {
  font-size: clamp(2.8rem, 5vw, 4.2rem);
  line-height: 1.05;
  letter-spacing: -0.06em;
  margin-bottom: 16px;
  color: var(--personal-dark);
}

.lead {
  font-size: 1.08rem;
  color: var(--personal-muted);
  margin-bottom: 24px;
}

.text-link {
  color: var(--personal-accent);
  font-weight: 600;
}

.tab-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  margin-top: 26px;
}

.tab-nav a {
  color: var(--personal-dark);
  font-weight: 600;
  border-bottom: 2px solid transparent;
  padding-bottom: 8px;
}

.tab-nav a:hover,
.tab-nav a:focus-visible {
  border-color: var(--personal-accent);
  color: var(--personal-accent);
}

.hero-image-wrap img {
  width: 100%;
  min-height: 420px;
  object-fit: cover;
  border-radius: 28px;
  box-shadow: 0 24px 60px rgba(18, 32, 68, 0.12);
}

.account-section,
.benefits,
.rates,
.faq,
.apply-box {
  padding: 100px 0;
}

.section-heading {
  margin-bottom: 36px;
}

.section-heading h2 {
  font-size: clamp(2.2rem, 4vw, 3.2rem);
  letter-spacing: -0.05em;
  color: var(--personal-dark);
  margin-bottom: 12px;
}

.section-heading p {
  color: var(--personal-muted);
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
}

.feature-card {
  overflow: hidden;
  background: var(--personal-card);
  border: 1px solid rgba(19, 33, 61, 0.06);
  border-radius: 24px;
  box-shadow: 0 18px 40px rgba(17, 32, 72, 0.08);
}

.feature-card img {
  width: 100%;
  height: 220px;
  object-fit: cover;
}

.card-body {
  padding: 24px 20px 22px;
}

.card-body h3 {
  margin-bottom: 12px;
  font-size: 1.5rem;
}

.card-body p {
  color: var(--personal-muted);
  margin-bottom: 18px;
}

.card-body ul {
  list-style: none;
  display: grid;
  gap: 10px;
  margin-bottom: 20px;
  color: var(--personal-text);
  font-weight: 500;
}

.benefit-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 22px;
}

.benefit-item {
  background: rgba(255, 255, 255, 0.8);
  border: 1px solid rgba(19, 33, 61, 0.06);
  border-radius: 20px;
  padding: 24px 20px;
  box-shadow: 0 12px 28px rgba(17, 32, 72, 0.05);
}

.benefit-item h3 {
  margin-bottom: 10px;
  font-size: 1.1rem;
}

.benefit-item p {
  color: var(--personal-muted);
}

.rate-table-shell {
  overflow: hidden;
  border: 1px solid rgba(19, 33, 61, 0.12);
  background: #f2f4f7;
}

.rate-header-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  background: linear-gradient(135deg, #0e5ad8 0%, #1147b3 100%);
  color: #fff;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.02em;
}

.rate-header-cell {
  padding: 18px 14px;
  text-align: center;
  font-size: 0.95rem;
  line-height: 1.2;
}

.rate-table-wrap {
  background: #dfeaf4;
}

.rate-grid {
  display: grid;
  grid-template-columns: 1.15fr 1fr 1fr 1fr;
}

.rate-first-col,
.rate-column {
  display: grid;
  grid-template-rows: 82px repeat(4, minmax(70px, 1fr));
}

.rate-first-col {
  background: rgba(240, 245, 255, 0.75);
  border-right: 1px solid rgba(19, 33, 61, 0.15);
}

.rate-empty-row {
  border-bottom: 1px solid rgba(19, 33, 61, 0.15);
  background: rgba(255, 255, 255, 0.08);
}

.rate-column {
  background: rgba(255, 255, 255, 0.06);
  border-right: 1px solid rgba(19, 33, 61, 0.15);
}

.rate-column:last-child {
  border-right: none;
}

.rate-label-row,
.rate-title,
.rate-value {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px 12px;
  text-align: center;
  font-weight: 700;
  min-height: 100%;
}

.rate-label-row {
  justify-content: flex-start;
  padding-left: 18px;
  border-bottom: 1px solid rgba(19, 33, 61, 0.15);
  color: var(--personal-dark);
  text-transform: uppercase;
  font-size: 0.68rem;
  letter-spacing: 0.04em;
}

.rate-title {
  font-size: clamp(0.96rem, 1.2vw, 1.45rem);
  line-height: 1.2;
  letter-spacing: -0.03em;
  background: rgba(255, 255, 255, 0.12);
  border-bottom: 1px solid rgba(19, 33, 61, 0.15);
  color: var(--personal-dark);
  font-weight: 700;
}

.rate-value {
  border-bottom: 1px solid rgba(19, 33, 61, 0.15);
  color: var(--personal-dark);
  font-size: 0.95rem;
  line-height: 1.3;
}

.check-mark {
  color: #18a34a;
  font-size: 2rem;
  font-weight: 800;
}

.cross-mark {
  color: #1a2638;
  font-size: 2.2rem;
  font-weight: 700;
}

.faq-box {
  background: rgba(255, 255, 255, 0.85);
  border: 1px solid rgba(19, 33, 61, 0.06);
  border-radius: 28px;
  padding: 30px 24px;
}

.faq-list {
  display: grid;
  gap: 14px;
}

.faq-item {
  background: #f7f9ff;
  border-radius: 14px;
  padding: 18px 18px;
  border: 1px solid rgba(19, 33, 61, 0.05);
}

.faq-item h3 {
  font-size: 1.02rem;
  color: var(--personal-dark);
}

.apply-inner {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  align-items: center;
  gap: 30px;
  padding: 32px 28px;
  border-radius: 28px;
  background: linear-gradient(135deg, #0d1d3e 0%, #2145b0 100%);
  color: var(--personal-card);
  box-shadow: 0 24px 60px rgba(13, 27, 61, 0.2);
}

.apply-copy h2 {
  font-size: clamp(2.1rem, 4vw, 3.1rem);
  line-height: 1.1;
  letter-spacing: -0.05em;
}

.apply-actions {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  flex-wrap: wrap;
  gap: 22px;
}

.contact-block {
  display: grid;
  gap: 4px;
}

.contact-block p,
.contact-block a {
  color: rgba(255, 255, 255, 0.8);
}

.contact-block strong {
  font-size: 1.3rem;
}

@media (max-width: 920px) {
  .personal-hero-grid,
  .card-grid,
  .benefit-grid,
  .apply-inner {
    grid-template-columns: 1fr;
  }

  .apply-actions {
    justify-content: flex-start;
  }
}

@media (max-width: 560px) {
  .cta-row,
  .tab-nav,
  .apply-actions {
    flex-direction: column;
    align-items: flex-start;
  }

  .btn {
    width: 100%;
  }
}