:root {
  --kfn-color-primary: #1a1a1a;
  --kfn-color-secondary: #2c3539;
  --kfn-color-accent: #c5a059;
  --kfn-color-accent-hover: #a38449;
  --kfn-color-text-body: #333333;
  --kfn-color-bg-light: #f8f6f2;
  --kfn-color-bg-white: #ffffff;
  --kfn-color-bg-soft: #f3efe7;
  --kfn-color-border: #e8e4dc;
  --kfn-font-main: 'Montserrat', Helvetica, Arial, sans-serif;
  --kfn-spacing-section: 104px;
  --kfn-container-width: 1240px;
}

html,
body {
  margin: 0;
  padding: 0;
  width: 100%;
  overflow-x: hidden;
  background: #ffffff;
}

body {
  font-family: var(--kfn-font-main);
}

.kfn-page {
  width: 100%;
  max-width: 100%;
  overflow-x: hidden;
  font-family: var(--kfn-font-main);
  color: var(--kfn-color-text-body);
  line-height: 1.72;
  background: var(--kfn-color-bg-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

.kfn-page,
.kfn-page * {
  box-sizing: border-box;
}

.kfn-page img {
  max-width: 100%;
  display: block;
}

.kfn-page a {
  text-decoration: none;
  color: inherit;
}

.kfn-page h1,
.kfn-page h2,
.kfn-page h3,
.kfn-page h4 {
  margin: 0 0 14px;
  font-family: var(--kfn-font-main);
  color: var(--kfn-color-secondary);
  font-weight: 500;
  line-height: 1.12;
  letter-spacing: -0.5px;
}

.kfn-page h1 {
  font-size: 4rem;
  margin-bottom: 18px;
}

.kfn-page h2 {
  font-size: 2.45rem;
}

.kfn-page h3 {
  font-size: 1.28rem;
}

.kfn-page h4 {
  font-size: 1.04rem;
}

.kfn-page p {
  margin: 0 0 1.35rem;
  font-size: 1.04rem;
  color: var(--kfn-color-text-body);
}

.kfn-container {
  width: 92%;
  max-width: var(--kfn-container-width);
  margin: 0 auto;
}

.kfn-eyebrow {
  display: block;
  margin-bottom: 15px;
  font-size: 0.84rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 3px;
  color: var(--kfn-color-accent);
}

.kfn-card-kicker {
  display: block;
  margin-bottom: 10px;
  color: var(--kfn-color-accent);
  font-size: 0.76rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
}

.kfn-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 15px 24px;
  border-radius: 999px;
  border: 2px solid transparent;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  line-height: 1.2;
  transition: all 0.24s ease;
  white-space: nowrap;
  font-family: var(--kfn-font-main);
  cursor: pointer;
}

.kfn-btn-primary {
  background: var(--kfn-color-secondary);
  color: #ffffff !important;
}

.kfn-btn-primary:hover,
.kfn-btn-primary:focus {
  background: var(--kfn-color-primary);
  transform: translateY(-2px);
}

.kfn-btn-outline {
  background: transparent;
  color: var(--kfn-color-secondary) !important;
  border-color: var(--kfn-color-secondary);
}

.kfn-btn-outline:hover,
.kfn-btn-outline:focus {
  background: var(--kfn-color-secondary);
  color: #ffffff !important;
}

.kfn-chip-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 11px 16px;
  border-radius: 999px;
  border: 1px solid rgba(197, 160, 89, 0.34);
  background: rgba(197, 160, 89, 0.14);
  color: var(--kfn-color-secondary);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  transition: all 0.22s ease;
}

.kfn-chip-link:hover,
.kfn-chip-link:focus {
  background: var(--kfn-color-accent);
  border-color: var(--kfn-color-accent);
  color: #ffffff;
}

/* hero */
.kfn-hero {
  position: relative;
  padding: 140px 0 78px;
  background:
    linear-gradient(rgba(17, 23, 31, 0.60), rgba(17, 23, 31, 0.72)),
    url('/assets/images/textures/pexels-martinpechy-2078266.jpg') center / cover no-repeat;
}

.kfn-hero-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(to right, rgba(14, 20, 28, 0.26), rgba(14, 20, 28, 0.10)),
    linear-gradient(to bottom, rgba(14, 20, 28, 0.08), rgba(14, 20, 28, 0.18));
  z-index: 0;
}

.kfn-hero .kfn-container {
  position: relative;
  z-index: 1;
}

.kfn-breadcrumb {
  display: flex;
  justify-content: flex-start;
  align-items: center;
  gap: 10px;
  width: 100%;
  max-width: 1180px;
  margin: 0 auto 34px;
  font-size: 0.86rem;
  color: rgba(255, 255, 255, 0.88);
}

.kfn-breadcrumb a,
.kfn-breadcrumb span {
  color: inherit;
}

.kfn-hero-inner {
  max-width: 980px;
  margin: 0 auto;
  text-align: center;
}

.kfn-hero-inner .kfn-eyebrow,
.kfn-hero-inner h1,
.kfn-hero-inner p {
  color: #ffffff !important;
}

.kfn-hero-lead {
  font-size: 1.14rem !important;
  max-width: 860px;
  margin-left: auto !important;
  margin-right: auto !important;
}

.kfn-hero-pills {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 26px;
}

.kfn-hero-pills span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 16px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.09);
  border: 1px solid rgba(255, 255, 255, 0.14);
  color: #ffffff;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.2px;
}

/* overview */
.kfn-overview {
  padding: var(--kfn-spacing-section) 0 72px;
  background: var(--kfn-color-bg-light);
}

.kfn-overview-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 34px;
  align-items: start;
}

.kfn-overview-copy {
  max-width: 900px;
}

.kfn-overview-links {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 28px 0 24px;
}

.kfn-info-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.kfn-info-card {
  padding: 22px 22px 20px;
  border-radius: 22px;
  background: #ffffff;
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.035);
}

.kfn-info-label {
  display: block;
  margin-bottom: 10px;
  color: var(--kfn-color-accent);
  font-size: 0.76rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
}

.kfn-info-card p {
  margin: 0 !important;
  font-size: 0.98rem;
  line-height: 1.78;
}

.kfn-overview-sidebar {
  display: grid;
  gap: 16px;
}

.kfn-sidebar-card {
  padding: 22px;
  border-radius: 24px;
  background: #ffffff;
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 14px 34px rgba(0, 0, 0, 0.04);
}

.kfn-sidebar-label {
  display: block;
  margin-bottom: 10px;
  color: var(--kfn-color-accent);
  font-size: 0.76rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
}

.kfn-big-phone {
  margin-bottom: 14px !important;
  font-size: 1.55rem !important;
  font-weight: 600 !important;
  line-height: 1.2 !important;
  color: var(--kfn-color-secondary) !important;
}

.kfn-mini-list {
  margin: 0;
  padding-left: 18px;
}

.kfn-mini-list li {
  margin-bottom: 8px;
  font-size: 0.96rem;
  color: var(--kfn-color-text-body);
}

/* shared section header */
.kfn-section-header {
  width: 100%;
  max-width: 940px;
  margin: 0 auto 52px;
  text-align: center;
}

.kfn-section-header p {
  max-width: 760px;
  margin: 0 auto !important;
}

/* payment */
.kfn-payment-section {
  padding: var(--kfn-spacing-section) 0;
  background: #ffffff;
}

.kfn-payment-shell {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(340px, 0.95fr);
  gap: 34px;
  align-items: start;
}

.kfn-payment-copy {
  min-width: 0;
}

.kfn-method-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 28px 0 30px;
}

.kfn-method-pills span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 16px;
  border-radius: 999px;
  background: rgba(197, 160, 89, 0.12);
  color: var(--kfn-color-secondary);
  border: 1px solid rgba(197, 160, 89, 0.24);
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.kfn-payment-note {
  padding: 22px 24px;
  border-radius: 24px;
  background: var(--kfn-color-bg-light);
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.03);
}

.kfn-payment-note p {
  margin: 0 !important;
}

.kfn-payment-cards {
  display: grid;
  gap: 18px;
}

.kfn-payment-card {
  padding: 24px;
  border-radius: 24px;
  background: var(--kfn-color-bg-light);
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.035);
}

.kfn-payment-card-feature {
  background: var(--kfn-color-bg-soft);
}

.kfn-payment-card-soft {
  background: #ffffff;
}

.kfn-payment-split {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.kfn-payment-card p:last-child {
  margin-bottom: 0;
}

/* financing partners */
.kfn-partners-section {
  padding: var(--kfn-spacing-section) 0;
  background: var(--kfn-color-bg-light);
}

.kfn-partners-shell {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) 360px;
  gap: 28px;
  align-items: start;
}

.kfn-partners-main {
  display: grid;
  gap: 18px;
}

.kfn-partners-intro {
  padding: 28px;
  border-radius: 26px;
  background: #ffffff;
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 14px 34px rgba(0, 0, 0, 0.04);
}

.kfn-partners-intro p:last-child {
  margin-bottom: 0;
}

.kfn-partner-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.kfn-partner-card {
  padding: 24px 22px;
  border-radius: 22px;
  background: #ffffff;
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.03);
}

.kfn-partner-card-soft {
  background: var(--kfn-color-bg-soft);
}

.kfn-partner-card p:last-child {
  margin-bottom: 0;
}

.kfn-partners-steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.kfn-partners-step {
  padding: 24px 22px;
  border-radius: 22px;
  background: #ffffff;
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.03);
}

.kfn-partners-step p:last-child {
  margin-bottom: 0;
}

.kfn-partners-side {
  display: grid;
  gap: 16px;
}

.kfn-partners-side-card {
  padding: 24px;
  border-radius: 24px;
  background: #ffffff;
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.035);
}

.kfn-partners-side-feature {
  background: var(--kfn-color-bg-soft);
}

.kfn-partners-side-card p:last-child {
  margin-bottom: 0;
}

.kfn-partners-strip {
  padding: 16px 20px 15px;
  border-radius: 20px;
  background: rgba(255, 255, 255, 0.76);
  border: 1px solid rgba(255, 228, 220, 0.95);
  box-shadow: 0 8px 18px rgba(0, 0, 0, 0.02);
}

.kfn-partners-strip .kfn-card-kicker {
  margin-bottom: 6px;
}

.kfn-partners-strip h3 {
  margin: 0 0 6px;
  font-size: 1rem;
  line-height: 1.2;
}

.kfn-partners-strip p {
  margin: 0;
  font-size: 0.92rem;
  line-height: 1.6;
  color: rgba(51, 51, 51, 0.82);
}

/* quote */
.kfn-quote-section {
  padding: var(--kfn-spacing-section) 0;
  background: #ffffff;
}

.kfn-quote-shell {
  display: grid;
  grid-template-columns: minmax(0, 0.92fr) minmax(0, 1.08fr);
  gap: 34px;
  align-items: start;
}

.kfn-quote-copy {
  min-width: 0;
  padding-top: 4px;
}

.kfn-quote-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.kfn-quote-card {
  padding: 24px 22px;
  border-radius: 24px;
  background: var(--kfn-color-bg-light);
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.03);
}

.kfn-quote-card p:last-child {
  margin-bottom: 0;
}

.kfn-quote-band {
  margin-top: 22px;
  padding: 24px;
  border-radius: 24px;
  background: var(--kfn-color-bg-soft);
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.03);
}

.kfn-quote-band p {
  margin: 0 !important;
}

/* insurance */
.kfn-insurance-section {
  padding: var(--kfn-spacing-section) 0;
  background: var(--kfn-color-bg-light);
}

.kfn-insurance-shell {
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) 360px;
  gap: 34px;
  align-items: start;
}

.kfn-insurance-copy {
  min-width: 0;
}

.kfn-insurance-mini-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
  margin-top: 28px;
}

.kfn-insurance-mini-card {
  padding: 22px 22px 20px;
  border-radius: 22px;
  background: #ffffff;
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.03);
}

.kfn-insurance-mini-card p {
  margin: 0 !important;
}

.kfn-insurance-side {
  display: grid;
  gap: 18px;
}

.kfn-insurance-side-card {
  padding: 24px;
  border-radius: 24px;
  background: #ffffff;
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.035);
}

.kfn-insurance-side-card-soft {
  background: var(--kfn-color-bg-soft);
}

.kfn-insurance-side-card p:last-child {
  margin-bottom: 0;
}

.kfn-insurance-band {
  margin-top: 22px;
  padding: 22px 24px;
  border-radius: 24px;
  background: #ffffff;
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.03);
}

.kfn-insurance-band p {
  margin: 0 !important;
}

/* guidance */
.kfn-guidance {
  padding: var(--kfn-spacing-section) 0;
  background: #ffffff;
}

.kfn-guidance-header {
  max-width: 860px;
  margin: 0 auto 42px;
  text-align: center;
}

.kfn-guidance-header p {
  max-width: 700px;
  margin: 0 auto !important;
}

.kfn-guidance-steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.kfn-guidance-step {
  padding: 26px 24px 24px;
  border-radius: 24px;
  background: var(--kfn-color-bg-light);
  border: 1px solid rgba(232, 228, 220, 0.95);
  box-shadow: 0 10px 26px rgba(0, 0, 0, 0.03);
}

.kfn-guidance-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  margin-bottom: 16px;
  border-radius: 50%;
  background: var(--kfn-color-secondary);
  color: #ffffff;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 1px;
}

.kfn-step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  margin-bottom: 16px;
  border-radius: 50%;
  background: rgba(197, 160, 89, 0.12);
  color: var(--kfn-color-accent);
  font-size: 0.84rem;
  font-weight: 700;
  letter-spacing: 1px;
}

.kfn-guidance-step p:last-child {
  margin-bottom: 0;
}

/* faq */
.kfn-faq {
  padding: var(--kfn-spacing-section) 0;
  background: #ffffff;
}

.kfn-faq-container {
  max-width: 860px;
  margin: 0 auto;
}

.kfn-faq-item {
  border-bottom: 1px solid var(--kfn-color-border);
}

.kfn-faq-item:first-child {
  border-top: 1px solid var(--kfn-color-border);
}

.kfn-faq-item summary {
  position: relative;
  padding: 30px 50px 30px 0;
  cursor: pointer;
  list-style: none;
  font-size: 1.16rem;
  font-weight: 500;
  color: var(--kfn-color-secondary);
}

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

.kfn-faq-item summary::after {
  content: '+';
  position: absolute;
  top: 50%;
  right: 10px;
  transform: translateY(-50%);
  font-size: 1.8rem;
  color: var(--kfn-color-accent);
}

.kfn-faq-item[open] summary::after {
  content: '−';
}

.kfn-faq-content {
  padding: 0 0 30px;
  font-size: 1.03rem;
}

.kfn-faq-content p:last-child {
  margin-bottom: 0;
}

.kfn-faq-content ul {
  margin: 0 0 1rem 1.1rem;
  padding: 0;
}

.kfn-faq-content li {
  margin-bottom: 0.55rem;
  color: var(--kfn-color-text-body);
}

/* links strip */
.kfn-links-strip {
  padding: var(--kfn-spacing-section) 0;
  background: var(--kfn-color-bg-light);
}

.kfn-links-strip-inner {
  max-width: 940px;
  margin: 0 auto;
  text-align: center;
}

.kfn-links-strip-inner p {
  max-width: 740px;
  margin-left: auto !important;
  margin-right: auto !important;
}

.kfn-links-row {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
}

/* responsive */
@media (max-width: 1180px) {
  .kfn-payment-shell,
  .kfn-partners-shell,
  .kfn-quote-shell,
  .kfn-insurance-shell {
    grid-template-columns: 1fr;
  }

  .kfn-partners-side,
  .kfn-insurance-side {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 992px) {
  .kfn-page {
    --kfn-spacing-section: 88px;
  }

  .kfn-page h1 {
    font-size: 3.1rem;
  }

  .kfn-page h2 {
    font-size: 2.1rem;
  }

  .kfn-overview-grid,
  .kfn-info-grid,
  .kfn-payment-split,
  .kfn-partner-grid,
  .kfn-partners-steps,
  .kfn-quote-grid,
  .kfn-insurance-mini-grid,
  .kfn-guidance-steps,
  .kfn-partners-side,
  .kfn-insurance-side {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  .kfn-page {
    --kfn-spacing-section: 72px;
  }

  .kfn-hero {
    padding: 128px 0 56px;
  }

  .kfn-page h1 {
    font-size: 2.45rem;
    line-height: 1.08;
  }

  .kfn-page h2 {
    font-size: 1.8rem;
  }

  .kfn-breadcrumb {
    margin-bottom: 24px;
  }

  .kfn-hero-inner,
  .kfn-section-header,
  .kfn-guidance-header,
  .kfn-links-strip-inner {
    text-align: left;
  }

  .kfn-hero-lead,
  .kfn-section-header p,
  .kfn-guidance-header p,
  .kfn-links-strip-inner p {
    margin-left: 0 !important;
    margin-right: 0 !important;
    text-align: left;
  }

  .kfn-hero-pills,
  .kfn-overview-links,
  .kfn-method-pills,
  .kfn-links-row {
    justify-content: flex-start;
  }

  .kfn-faq-item summary {
    padding-right: 56px;
  }

  .kfn-btn {
    white-space: normal;
  }
}

@media (max-width: 560px) {
  .kfn-page h1 {
    font-size: 2.08rem;
  }

  .kfn-page h2 {
    font-size: 1.58rem;
  }

  .kfn-sidebar-card,
  .kfn-info-card,
  .kfn-payment-note,
  .kfn-payment-card,
  .kfn-partners-intro,
  .kfn-partner-card,
  .kfn-partners-step,
  .kfn-partners-side-card,
  .kfn-partners-strip,
  .kfn-quote-card,
  .kfn-quote-band,
  .kfn-insurance-mini-card,
  .kfn-insurance-side-card,
  .kfn-insurance-band,
  .kfn-guidance-step {
    padding-left: 18px;
    padding-right: 18px;
  }
}