.kchm-finance-v21-lock{overflow:hidden}
.kchm-finance-v21-modal{position:fixed;inset:0;z-index:100000;background:rgba(0,0,0,.70);display:none;align-items:center;justify-content:center;padding:18px;backdrop-filter:blur(3px)}
.kchm-finance-v21-modal.open{display:flex}
.kchm-finance-v21-box{width:min(700px,100%);max-height:calc(100vh - 36px);overflow-y:auto;overflow-x:hidden;background:#fff;border-radius:20px;padding:30px;position:relative;box-shadow:0 24px 80px rgba(0,0,0,.34)}
.kchm-finance-v21-close{position:absolute;right:17px;top:12px;border:0;background:transparent;font-size:30px;line-height:1;color:#171717;cursor:pointer;padding:4px 8px}
.kchm-finance-v21-kicker{font-size:11px;text-transform:uppercase;letter-spacing:1.2px;font-weight:900;color:#b37f00;margin-bottom:8px}
.kchm-finance-v21-box h3{font-size:30px;font-weight:900;line-height:1.12;margin:0 40px 8px 0;color:#171717}
.kchm-finance-v21-sub{color:#676c72;margin:0 0 20px;line-height:1.5}
.kchm-finance-v21-choices{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin:0 0 20px}
.kchm-finance-v21-choices[hidden]{display:none!important}
.kchm-finance-v21-choices button{min-width:0;text-align:left;border:1px solid #d9dadd;background:#fff;border-radius:12px;padding:14px 13px;cursor:pointer;display:flex;flex-direction:column;gap:6px;color:#171717}
.kchm-finance-v21-choices button strong{font-size:16px;line-height:1.25;font-weight:900;overflow-wrap:anywhere}
.kchm-finance-v21-choices button span{font-size:11px;line-height:1.45;color:#686d73;overflow-wrap:anywhere}
.kchm-finance-v21-choices button:hover,.kchm-finance-v21-choices button.active{border-color:#f6b800;background:#fff9e6;box-shadow:0 0 0 2px rgba(246,184,0,.12)}
.kchm-finance-v21-form label{display:block;margin-bottom:13px;min-width:0}
.kchm-finance-v21-form label>span{display:block;font-size:12px;font-weight:800;margin-bottom:6px;color:#34383d}
.kchm-finance-v21-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:12px}
.kchm-finance-v21-form input,.kchm-finance-v21-form textarea{box-sizing:border-box;width:100%;max-width:100%;border:1px solid #d8dadd;border-radius:10px;padding:12px 13px;font:inherit;outline:none;background:#fff;color:#171717}
.kchm-finance-v21-form textarea{resize:vertical;min-height:92px}
.kchm-finance-v21-form input:focus,.kchm-finance-v21-form textarea:focus{border-color:#f6b800;box-shadow:0 0 0 3px rgba(246,184,0,.14)}
.kchm-finance-v21-submit,.kchm-finance-v21-cta{width:100%;border:0;border-radius:10px;background:#f6b800;color:#111;font-weight:900;padding:13px 16px;cursor:pointer}
.kchm-finance-v21-submit:hover,.kchm-finance-v21-cta:hover{background:#ffc61a}
.kchm-finance-v21-submit:disabled{opacity:.65;cursor:wait}
.kchm-finance-v21-privacy{display:flex!important;align-items:flex-start;gap:9px;font-size:11px;color:#6a6f75}
.kchm-finance-v21-privacy input{width:auto!important;margin-top:2px}
.kchm-finance-v21-privacy span{font-size:11px!important;font-weight:500!important;margin:0!important;color:#6a6f75!important}
.kchm-finance-v21-hp{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;opacity:0!important}
.kchm-finance-v21-status{font-size:12px;margin-top:10px;min-height:18px;text-align:center}
.kchm-finance-v21-status.success{color:#147a37;font-weight:700}.kchm-finance-v21-status.error{color:#b42318;font-weight:700}

/* Finance page v2.2 — isolated from OpenCart/Bootstrap */
.kchm-finance-v22-page{--kf-yellow:#f6b800;--kf-black:#111;--kf-dark:#1a1a1a;--kf-text:#202124;--kf-muted:#6a6f75;--kf-line:#e2e4e7;--kf-soft:#f5f6f7;max-width:1120px;margin:18px auto 60px;color:var(--kf-text);font-family:inherit}
.kchm-finance-v22-page *{box-sizing:border-box}
.kchm-finance-v22-page h1,.kchm-finance-v22-page h2,.kchm-finance-v22-page h3,.kchm-finance-v22-page p{margin-top:0}
.kchm-finance-v22-page h2{font-size:34px;line-height:1.15;font-weight:900;color:var(--kf-text);margin-bottom:12px}
.kchm-finance-v22-page h3{font-size:20px;line-height:1.25;font-weight:900;color:var(--kf-text);margin-bottom:9px}
.kchm-finance-v22-page p{font-size:15px;line-height:1.65}
.kchm-finance-v22-kicker{display:block;margin-bottom:12px;color:#af7c00;font-size:11px;line-height:1;font-weight:900;letter-spacing:.09em;text-transform:uppercase}
.kchm-finance-v22-hero{position:relative;overflow:hidden;display:grid;grid-template-columns:minmax(0,1.5fr) minmax(270px,.65fr);gap:38px;align-items:center;padding:52px;border-radius:20px;background:var(--kf-black);color:#fff}
.kchm-finance-v22-hero:after{content:"";position:absolute;right:-105px;top:-115px;width:310px;height:310px;border-radius:50%;background:var(--kf-yellow)}
.kchm-finance-v22-hero-copy,.kchm-finance-v22-hero-brand{position:relative;z-index:2}
.kchm-finance-v22-hero .kchm-finance-v22-kicker{color:var(--kf-yellow)}
.kchm-finance-v22-hero h1{max-width:760px;margin:0 0 17px;color:#fff;font-size:44px;line-height:1.08;font-weight:900}
.kchm-finance-v22-hero p{max-width:760px;margin-bottom:0;color:#d7d7d7;font-size:16px}
.kchm-finance-v22-hero-brand{min-height:175px;display:flex;flex-direction:column;justify-content:center;padding:28px 24px;border:1px solid rgba(255,255,255,.16);border-radius:16px;background:#1b1b1b}
.kchm-finance-v22-hero-brand strong{font-size:21px;color:var(--kf-yellow)}
.kchm-finance-v22-hero-brand span{margin-top:8px;color:#fff;font-size:14px}
.kchm-finance-v22-hero-brand small{margin-top:18px;color:#999;font-size:12px;line-height:1.5}
.kchm-finance-v22-actions{display:flex;flex-wrap:wrap;gap:11px;margin-top:26px}
.kchm-finance-v22-btn{display:inline-flex;min-height:48px;align-items:center;justify-content:center;padding:0 22px;border:0;border-radius:9px;font:inherit;font-size:14px;font-weight:900;text-decoration:none!important;cursor:pointer;transition:transform .18s ease,opacity .18s ease}
.kchm-finance-v22-btn:hover{transform:translateY(-1px);opacity:.94;text-decoration:none!important}
.kchm-finance-v22-btn-yellow{background:var(--kf-yellow)!important;color:#111!important}
.kchm-finance-v22-btn-white{background:#fff!important;color:#111!important}
.kchm-finance-v22-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;overflow:hidden;margin:18px 0 66px;border:1px solid var(--kf-line);border-radius:15px;background:var(--kf-line)}
.kchm-finance-v22-stats>div{padding:23px;background:#fff}
.kchm-finance-v22-stats strong{display:block;margin-bottom:5px;color:#111;font-size:19px;line-height:1.2}
.kchm-finance-v22-stats span{color:var(--kf-muted);font-size:13px;line-height:1.45}
.kchm-finance-v22-section{padding-bottom:68px}
.kchm-finance-v22-heading{max-width:780px;margin-bottom:28px}
.kchm-finance-v22-heading p{margin-bottom:0;color:var(--kf-muted)}
.kchm-finance-v22-options{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.kchm-finance-v22-options article{display:flex;min-height:255px;flex-direction:column;padding:28px;border:1px solid var(--kf-line);border-radius:16px;background:#fff}
.kchm-finance-v22-options article>b{display:flex;width:34px;height:34px;margin-bottom:20px;align-items:center;justify-content:center;border-radius:50%;background:var(--kf-yellow);color:#111;font-size:12px;font-weight:900}
.kchm-finance-v22-options article p{margin-bottom:22px;color:var(--kf-muted)}
.kchm-finance-v22-link{margin-top:auto;padding:0;border:0;background:transparent;color:#111;font:inherit;font-size:13px;font-weight:900;text-align:left;cursor:pointer}
.kchm-finance-v22-option-dark{border-color:#111!important;background:#111!important;color:#fff}
.kchm-finance-v22-option-dark h3{color:#fff!important}.kchm-finance-v22-option-dark p{color:#cfd1d3!important}.kchm-finance-v22-option-dark .kchm-finance-v22-link{color:var(--kf-yellow)}
.kchm-finance-v22-process{margin-bottom:68px;padding:42px;border-radius:20px;background:var(--kf-soft)}
.kchm-finance-v22-steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:13px}
.kchm-finance-v22-steps>div{min-height:195px;padding:23px;border-top:4px solid var(--kf-yellow);border-radius:0 0 14px 14px;background:#fff}
.kchm-finance-v22-steps small{display:block;margin-bottom:17px;color:#a87500;font-size:11px;font-weight:900;letter-spacing:.07em}
.kchm-finance-v22-steps p{margin-bottom:0;color:var(--kf-muted);font-size:14px}
.kchm-finance-v22-audience{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:34px;align-items:start;margin-bottom:68px}
.kchm-finance-v22-audience-copy p{margin-bottom:0;color:var(--kf-muted)}
.kchm-finance-v22-audience-grid{display:grid;gap:12px}
.kchm-finance-v22-audience-grid>div{padding:20px 22px;border-left:4px solid var(--kf-yellow);border-radius:0 12px 12px 0;background:#fff;box-shadow:0 0 0 1px var(--kf-line) inset}
.kchm-finance-v22-audience-grid strong{display:block;margin-bottom:6px;color:#111;font-size:16px}
.kchm-finance-v22-audience-grid span{color:var(--kf-muted);font-size:13px;line-height:1.5}
.kchm-finance-v22-note{display:grid;grid-template-columns:auto 1fr;gap:18px;align-items:start;margin-bottom:68px;padding:22px 24px;border:1px solid #f0d27b;border-radius:14px;background:#fff9e6}
.kchm-finance-v22-note strong{color:#7b5700;font-size:14px}.kchm-finance-v22-note p{margin:0;color:#65552c;font-size:13px}
.kchm-finance-v22-cta{display:grid;grid-template-columns:1fr auto;gap:28px;align-items:center;padding:42px;border-radius:20px;background:var(--kf-black);color:#fff}
.kchm-finance-v22-cta .kchm-finance-v22-kicker{color:var(--kf-yellow)}
.kchm-finance-v22-cta h2{color:#fff!important}.kchm-finance-v22-cta p{max-width:720px;margin-bottom:0;color:#d3d3d3}
.kchm-finance-v22-cta-actions{display:flex;gap:10px;flex-wrap:wrap;justify-content:flex-end}
@media(max-width:900px){.kchm-finance-v22-hero{grid-template-columns:1fr;padding:40px 30px}.kchm-finance-v22-hero h1{font-size:37px}.kchm-finance-v22-stats,.kchm-finance-v22-steps{grid-template-columns:repeat(2,1fr)}.kchm-finance-v22-options{grid-template-columns:1fr}.kchm-finance-v22-audience{grid-template-columns:1fr}.kchm-finance-v22-cta{grid-template-columns:1fr}.kchm-finance-v22-cta-actions{justify-content:flex-start}}
@media(max-width:620px){.kchm-finance-v22-page{margin:10px 0 40px}.kchm-finance-v22-page h2{font-size:28px}.kchm-finance-v22-hero{padding:34px 23px}.kchm-finance-v22-hero h1{font-size:31px}.kchm-finance-v22-hero:after{width:180px;height:180px;right:-65px;top:-80px}.kchm-finance-v22-stats,.kchm-finance-v22-steps{grid-template-columns:1fr}.kchm-finance-v22-process{padding:28px 20px}.kchm-finance-v22-note{grid-template-columns:1fr}.kchm-finance-v22-cta{padding:30px 23px}.kchm-finance-v22-cta-actions{flex-direction:column}.kchm-finance-v22-btn{width:100%}}