.service-paths {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.service-path {
  position: relative;
  min-height: 250px;
  padding: 26px;
  overflow: hidden;
  background: linear-gradient(155deg, #fff, #f6f3ff 62%, #e8f7ff);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-soft);
  transition: transform 180ms ease, box-shadow 180ms ease, border-color 180ms ease;
}

.service-path::after {
  content: "";
  position: absolute;
  width: 130px;
  height: 130px;
  inset-inline-end: -42px;
  inset-block-end: -54px;
  border-radius: 50%;
  background: rgba(109, 66, 232, 0.08);
}

.service-path:hover {
  transform: translateY(-5px);
  border-color: rgba(109, 66, 232, 0.28);
  box-shadow: var(--shadow);
}

.service-path-icon {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  margin-block-end: 18px;
  color: var(--primary-dark);
  background: var(--primary-light);
  border-radius: 16px;
  font-size: 1.05rem;
  font-weight: 900;
}

.service-path h3 {
  margin: 0 0 8px;
  font-size: 1.16rem;
}

.service-path p {
  margin: 0 0 18px;
  color: var(--muted);
}

.text-link {
  position: relative;
  z-index: 1;
  color: var(--primary-dark);
  font-weight: 800;
}

.value-banner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 28px;
  align-items: center;
  padding: 34px;
  color: #fff;
  background:
    radial-gradient(circle at 10% 15%, rgba(255, 255, 255, 0.15), transparent 18rem),
    linear-gradient(125deg, #352078, #6d42e8 52%, #1688c9);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow);
}

.value-banner h2,
.value-banner p {
  margin-block-start: 0;
}

.value-banner p {
  color: rgba(255, 255, 255, 0.82);
}

.value-points {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.value-point {
  padding: 16px;
  background: rgba(255, 255, 255, 0.11);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 16px;
  backdrop-filter: blur(10px);
}

.value-point strong,
.value-point span {
  display: block;
}

.value-point span {
  margin-block-start: 4px;
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.84rem;
}

.fixed-rate-shell {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 0.82fr);
  gap: 24px;
  align-items: start;
}

.fixed-rate-form,
.fixed-rate-result {
  padding: 26px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-soft);
}

.fixed-rate-form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.fixed-rate-form .field input,
.fixed-rate-form .field select {
  width: 100%;
  min-height: 48px;
  padding: 10px 12px;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  outline: none;
}

.fixed-rate-form .field input:focus,
.fixed-rate-form .field select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 4px rgba(109, 66, 232, 0.1);
}

.rate-source-note {
  margin-block-start: 18px;
  padding: 14px 16px;
  color: #54416f;
  background: var(--primary-light);
  border-radius: 13px;
  font-size: 0.88rem;
}

.fixed-rate-result {
  position: sticky;
  inset-block-start: 104px;
  color: #fff;
  background: linear-gradient(150deg, #10243e, #38236f 60%, #5635bd);
  border-color: transparent;
}

.fixed-rate-result h3 {
  margin-block-start: 0;
}

.rate-breakdown {
  display: grid;
  gap: 10px;
  margin: 18px 0;
}

.rate-row {
  display: flex;
  justify-content: space-between;
  gap: 18px;
  padding: 11px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.rate-row span {
  color: rgba(255, 255, 255, 0.72);
}

.rate-row strong {
  white-space: nowrap;
}

.rate-total {
  margin-block-start: 18px;
  padding: 18px;
  background: rgba(255, 255, 255, 0.11);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 16px;
}

.rate-total small,
.rate-total strong,
.rate-total span {
  display: block;
}

.rate-total strong {
  margin: 4px 0;
  color: #fff4c3;
  font-size: clamp(1.7rem, 5vw, 2.35rem);
  line-height: 1.25;
}

.rate-total span,
.rate-total small {
  color: rgba(255, 255, 255, 0.72);
}

.rate-comparison {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.rate-comparison-card {
  padding: 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-soft);
}

.rate-comparison-card strong {
  display: block;
  margin-block: 6px;
  color: var(--primary-dark);
  font-size: 1.32rem;
}

.rate-comparison-card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.9rem;
}

.conversion-steps {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 14px;
  counter-reset: onboarding;
}

.conversion-step {
  counter-increment: onboarding;
  position: relative;
  padding: 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
}

.conversion-step::before {
  content: counter(onboarding, decimal-leading-zero);
  display: inline-grid;
  place-items: center;
  width: 38px;
  height: 38px;
  margin-block-end: 12px;
  color: var(--primary-dark);
  background: var(--primary-light);
  border-radius: 12px;
  font-weight: 900;
}

.conversion-step h3 {
  margin: 0 0 6px;
  font-size: 1rem;
}

.conversion-step p {
  margin: 0;
  color: var(--muted);
  font-size: 0.88rem;
}

.quick-proof {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-block-start: 16px;
}

.quick-proof span {
  padding: 8px 12px;
  color: #3d2c72;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 999px;
  font-size: 0.82rem;
  font-weight: 700;
}

.inline-alert {
  padding: 18px 20px;
  color: #594a1e;
  background: #fff8dc;
  border: 1px solid #f1daa1;
  border-radius: 15px;
}

@media (max-width: 1000px) {
  .service-paths,
  .conversion-steps {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .fixed-rate-shell,
  .value-banner {
    grid-template-columns: 1fr;
  }

  .fixed-rate-result {
    position: static;
  }
}

@media (max-width: 680px) {
  .service-paths,
  .conversion-steps,
  .rate-comparison,
  .fixed-rate-form-grid,
  .value-points {
    grid-template-columns: 1fr;
  }

  .service-path,
  .fixed-rate-form,
  .fixed-rate-result,
  .value-banner {
    padding: 20px;
  }
}