{"id":17,"date":"2026-08-11T16:39:27","date_gmt":"2026-08-11T16:39:27","guid":{"rendered":"https:\/\/credits.ocslive.com\/?page_id=17"},"modified":"2026-09-03T12:24:57","modified_gmt":"2026-09-03T12:24:57","slug":"home","status":"publish","type":"page","link":"https:\/\/credits.ocslive.com\/mk\/","title":{"rendered":"HOME"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"17\" class=\"elementor elementor-17\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cab5976 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"cab5976\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9962632\" data-id=\"9962632\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bb8fda5 elementor-widget elementor-widget-html\" data-id=\"bb8fda5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* NajdiKredit -- site styles *\/\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Manrope:wght@200..800&family=PT+Sans:wght@400;700&family=PT+Serif:wght@400;700&family=PT+Mono&display=swap');\n\n:root{\n  --ink:#122630;\n  --ink-soft:#2A3B40;\n  --paper:#FFFFFF;\n  --paper-card:#FFFFFF;\n  --header-bg:#F4F5F4;\n  --header-ink:#122630;\n  --header-ink-soft:#54707A;\n  --pine:#026642;\n  --pine-deep:#013D28;\n  --pine-mid:#038552;\n  --brass:#038552;\n  --brass-strong:#026642;\n  --line:rgba(2,102,66,0.14);\n  --line-strong:rgba(2,102,66,0.26);\n  --alert:#C1394B;\n  --pine-warm:#2F5844;\n  --pine-warm-mid:#4F7860;\n  --mint:#9FE0C4;\n  --shadow:0 1px 2px rgba(1,61,40,0.06),0 12px 28px -14px rgba(1,61,40,0.22);\n  --radius:8px;\n  --radius-lg:14px;\n  --font-display:'Manrope','Segoe UI',Arial,sans-serif;\n  --font-body:'Manrope','Segoe UI',Arial,sans-serif;\n  --font-mono:'Manrope','Segoe UI',Arial,sans-serif;\n}\n\/* This is a marketing\/comparison site, not an app -- it stays on the light\n   palette regardless of the visitor's OS theme (matches the reference: white\n   header, white content sections, dark green only inside the hero photo). *\/\n\n\/* html\/body can't be scoped under .nk-site since .nk-site is a child of body --\n   the default 8px body margin was clipping\/offsetting every full-width section. *\/\nhtml,body{margin:0;padding:0;}\nbody{overflow-x:hidden;}\n\n\/* Scope everything under .nk-site so this stylesheet cannot leak into the rest of a WordPress theme. *\/\n.nk-site *{box-sizing:border-box;}\n.nk-site{background:var(--paper);color:var(--ink);font-family:var(--font-body);font-size:16px;line-height:1.55;}\n.nk-site img,.nk-site svg{max-width:100%;display:block;}\n.nk-site a{color:inherit;}\n.nk-site h1,.nk-site h2,.nk-site h3{font-family:var(--font-display);font-weight:680;line-height:1.12;margin:0;text-wrap:balance;color:var(--ink);letter-spacing:-.025em;}\n.nk-site p{margin:0;}\n.nk-site button{font-family:inherit;}\n.nk-site .tabular{font-variant-numeric:tabular-nums;}\n.nk-site .container{max-width:1180px;margin:0 auto;padding-inline:clamp(20px,4vw,48px);}\n.nk-site .visually-hidden{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important;}\n.nk-site :focus-visible{outline:2px solid var(--brass);outline-offset:3px;}\n@media (prefers-reduced-motion:reduce){.nk-site *{animation-duration:0.001ms !important;transition-duration:0.001ms !important;}}\n\n.nk-site .lang-mk{display:none;}\nhtml.mk .nk-site .lang-en{display:none;}\nhtml.mk .nk-site .lang-mk{display:inline;}\n\n.nk-site header.site{position:fixed;top:0;left:0;right:0;z-index:40;background:#FFFFFF;border-bottom:1px solid var(--line);transition:transform .3s ease,background-color .25s ease,border-color .25s ease;}\n.nk-site header.site.nk-header-hidden{transform:translateY(-100%);}\nmain#main-content{padding-top:58px;}\n@media (min-width:921px){\n  body.home-page header.site,body.home header.site{position:fixed;top:0;left:0;right:0;z-index:40;background:transparent;border-bottom-color:transparent;}\n  body.home-page header.site.nk-header-scrolled,body.home header.site.nk-header-scrolled{background:#FFFFFF;border-bottom-color:var(--line);}\n  body.home-page main#main-content,body.home main#main-content{padding-top:0;}\n}\n.nk-site header.site .brand-word{color:var(--header-ink);font-size:25px;}\n.nk-site header.site .container{padding-left:20px;}\n.nk-site header.site .menu-toggle span,.nk-site header.site .menu-toggle span::before,.nk-site header.site .menu-toggle span::after{background:var(--header-ink);}\n.nk-site .nav-row{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-block:9px;}\n.nk-site .brand{display:flex;align-items:center;gap:10px;text-decoration:none;}\n.nk-site .brand-word{font-family:var(--font-display);font-weight:700;font-size:21px;letter-spacing:-.01em;color:var(--ink);}\n.nk-site .brand-word em{font-style:normal;color:var(--pine);}\n.nk-site nav.primary{display:flex;gap:30px;list-style:none;margin:0;padding:0;}\n.nk-site nav.primary a{text-decoration:none!important;font-size:16.5px;font-weight:700;color:var(--ink-soft);padding-block:4px;}\n.nk-site nav.primary a:hover{color:var(--pine);text-decoration:none!important;}\n.nk-site .nav-actions{display:flex;align-items:center;gap:14px;}\n.nk-site .lang-toggle{position:relative;display:flex;align-items:center;}\n.nk-site .lang-toggle-trigger{display:inline-flex;align-items:center;gap:6px;font-size:16.5px;font-weight:700;color:var(--ink-soft);cursor:pointer;padding:4px 0;white-space:nowrap;}\n.nk-site .lang-toggle-trigger::after{\n  content:\"\";display:inline-block;width:11px;height:11px;flex-shrink:0;\n  background-color:currentColor;\n  -webkit-mask-image:url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'\/%3E%3C\/svg%3E\");\n  mask-image:url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' viewBox='0 0 24 24' fill='none' stroke='%23000' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'\/%3E%3C\/svg%3E\");\n  -webkit-mask-size:contain;mask-size:contain;\n  -webkit-mask-repeat:no-repeat;mask-repeat:no-repeat;\n  -webkit-mask-position:center;mask-position:center;\n  transition:transform .15s ease;\n}\n.nk-site .lang-toggle:hover .lang-toggle-trigger::after,\n.nk-site .lang-toggle:focus-within .lang-toggle-trigger::after{transform:rotate(180deg);}\n.nk-site .lang-toggle-menu{position:absolute;top:100%;right:0;margin-top:0;background:#CFEFDA;border:0;border-radius:0 0 12px 12px;box-shadow:var(--shadow);padding:6px;opacity:0;visibility:hidden;pointer-events:none;transform:translateY(-4px);transition:opacity .15s ease,transform .15s ease,visibility 0s linear .15s;z-index:60;white-space:nowrap;}\n.nk-site .lang-toggle:hover .lang-toggle-menu,\n.nk-site .lang-toggle:focus-within .lang-toggle-menu{opacity:1;visibility:visible;pointer-events:auto;transform:translateY(0);transition:opacity .15s ease,transform .15s ease;}\n.nk-site .lang-toggle .lang-toggle-menu a,\n.nk-site .lang-toggle .lang-toggle-menu a:hover{display:flex;align-items:center;gap:8px;padding:8px 10px;border-radius:6px;color:#013D28;font-size:13.5px;font-weight:700;text-decoration:none;}\n.nk-site .lang-toggle .lang-toggle-menu a:hover{background:rgba(1,61,40,.1);}\n.nk-site .lang-toggle-menu img{border-radius:2px;flex-shrink:0;display:block;}\n.nk-site .btn{appearance:none;-webkit-appearance:none;display:inline-flex;align-items:center;gap:8px;justify-content:center;padding:11px 22px;border-radius:var(--radius);border:1px solid transparent;font-weight:700;font-size:14.5px;cursor:pointer;text-decoration:none;line-height:1;}\n.nk-site .btn-primary{background:var(--pine);color:#EAF6F8;}\n.nk-site .btn-primary:hover{background:var(--pine-mid);}\n.nk-site .btn-ghost{background:transparent;border-color:var(--line-strong);color:var(--ink);}\n.nk-site .btn-ghost:hover{border-color:var(--pine);color:var(--pine);}\n.nk-site .btn-brass{background:var(--brass);color:#FFFFFF;}\n.nk-site .btn-lg{padding:15px 30px;font-size:16px;border-radius:999px;}\n.nk-site .btn-brass:hover{background:var(--brass-strong);}\n.nk-site .menu-toggle{appearance:none;-webkit-appearance:none;display:none;width:46px;height:46px;background:var(--paper);border:1px solid transparent;border-radius:12px;padding:0;cursor:pointer;align-items:center;justify-content:center;box-shadow:0 2px 10px rgba(1,61,40,.08);}\n.nk-site .menu-toggle span,.nk-site .menu-toggle span::before,.nk-site .menu-toggle span::after{content:\"\";display:block;width:24px;height:2.5px;background:var(--ink);position:relative;border-radius:2px;transition:transform .2s ease,top .2s ease,opacity .2s ease;}\n.nk-site .menu-toggle span::before{top:-7px;position:absolute;}\n.nk-site .menu-toggle span::after{top:7px;position:absolute;}\n.nk-site .menu-toggle[aria-expanded=\"true\"] span{background:transparent;}\n.nk-site .menu-toggle[aria-expanded=\"true\"] span::before{top:0;transform:rotate(45deg);}\n.nk-site .menu-toggle[aria-expanded=\"true\"] span::after{top:0;transform:rotate(-45deg);}\n\n.nk-site .hero{position:relative;background:linear-gradient(180deg, rgba(11,114,133,0.06) 0%, rgba(11,114,133,0) 55%),var(--paper);border-bottom:1px solid var(--line);}\n.nk-site .hero .container{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;padding-block:clamp(48px,7vw,88px);align-items:center;}\n.nk-site .eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-mono);font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--pine-mid);margin-bottom:18px;font-weight:700;}\n.nk-site .eyebrow::before{content:\"\";width:7px;height:7px;background:var(--brass);border-radius:50%;}\n.nk-site .hero h1{font-size:clamp(34px,4.6vw,54px);letter-spacing:-.01em;}\n.nk-site .hero h1 .accent{color:var(--pine);}\n.nk-site .hero-sub{margin-top:20px;font-size:17.5px;color:var(--ink-soft);max-width:46ch;}\n.nk-site .hero-actions{display:flex;flex-direction:row;flex-wrap:wrap;align-items:center;width:fit-content;gap:16px;margin-top:32px;}\n.nk-site .hero-actions .btn{font-size:18px;font-weight:800;padding:17px 34px;border-radius:var(--radius-lg);}\n.nk-site .hero-actions .btn-brass{background:var(--pine-deep);}\n.nk-site .hero-actions .btn-brass:hover{background:#011f16;}\n.nk-site .hero-actions .btn-ghost{background:#fff;color:var(--ink);border-color:transparent;}\n.nk-site .hero-actions .btn-ghost:hover{background:#EFEFEF;}\n.nk-site .hero-trust{display:flex;gap:22px;margin-top:34px;flex-wrap:wrap;}\n\n\/* ---------- loans hero: requested image left, calculator right ---------- *\/\n.nk-site .hero-loans .container{grid-template-columns:minmax(0,1.08fr) minmax(320px,.92fr);align-items:stretch;}\n.nk-site .hero-loans-copy{grid-column:1\/-1;max-width:820px;}\n.nk-site .hero-loans-copy .hero-sub{max-width:68ch;}\n.nk-site .hero-loans-media{min-height:520px;border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow);background:var(--paper-card);}\n.nk-site .hero-loans-media img{display:block;width:100%;height:100%;object-fit:cover;object-position:center;}\n.nk-site .hero-loans .rate-form{align-self:stretch;}\n\n\/* ---------- centered hero: text above a centered, uncropped banner image ---------- *\/\n.nk-site .hero-centered{background:var(--paper);padding-block:clamp(48px,7vw,84px) 0;overflow:hidden;}\n.nk-site .hero-centered-text{max-width:680px;margin:0 auto;text-align:center;}\n.nk-site .hero-centered-text h1{font-size:clamp(32px,4.4vw,52px);}\n.nk-site .hero-centered-text .hero-sub{margin-inline:auto;}\n.nk-site .hero-centered .hero-actions{align-items:center;}\n.nk-site .hero-centered-media{margin-top:clamp(32px,5vw,56px);display:flex;justify-content:center;}\n.nk-site .hero-centered-media img{width:100%;max-width:1120px;height:auto;display:block;}\n\n\/* ---------- photo hero: sized to the source image's own aspect ratio ---------- *\/\n\/* hero-banner.avif is 1672x941 (16:9) -- the hero height tracks that ratio\n   instead of a fixed px height, so the photo is never cropped more than\n   necessary or upscaled past its native resolution. *\/\n.nk-site .hero-photo{position:relative;width:100%;aspect-ratio:1536\/1024;height:auto;min-height:420px;max-height:900px;background:transparent;overflow:hidden;}\n.nk-site .hero-photo-media{position:absolute;inset:0;z-index:0;}\n.nk-site .hero-photo-media picture{display:contents;}\n.nk-site .hero-photo-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center;display:block;}\n.nk-site .hero-photo-content{position:absolute;inset:0;z-index:2;}\n.nk-site .hero-photo-content .container{position:relative;width:100%;height:100%;}\n.nk-site .hero-photo-content .inner{position:absolute;top:50%;left:0;max-width:620px;transform:translateY(-50%);}\n.nk-site .hero-photo-content .eyebrow{color:var(--mint);}\n.nk-site .hero-photo-content .eyebrow::before{background:var(--brass);}\n.nk-site .hero-photo-content h1{color:var(--pine-deep);font-size:clamp(38px,4.2vw,68px);font-weight:800;line-height:1.02;letter-spacing:-.045em;}\n.nk-site .hero-photo-content h1 .accent{color:#fff;}\n.nk-site .hero-photo-content .hero-sub{color:#0A1F16;font-weight:600;text-shadow:0 1px 2px rgba(255,255,255,.6),0 0 14px rgba(255,255,255,.5);margin-top:20px;max-width:52ch;font-size:18px;line-height:1.55;}\n.nk-site .search-bar{display:flex;align-items:center;gap:10px;background:#fff;border-radius:999px;padding:6px 6px 6px 22px;margin-top:30px;max-width:480px;box-shadow:0 12px 30px -12px rgba(0,0,0,.45);}\n.nk-site .search-bar input{flex:1;border:0;outline:0;font-family:var(--font-body);font-size:15px;color:var(--ink);background:transparent;padding:10px 0;}\n.nk-site .search-bar input::placeholder{color:var(--ink-soft);}\n.nk-site .search-bar button{\n  flex-shrink:0;width:40px;height:40px;border-radius:50%;border:0;cursor:pointer;\n  background:var(--brass);color:#fff;display:flex;align-items:center;justify-content:center;\n}\n.nk-site .search-bar button:hover{background:var(--brass-strong);}\n.nk-site .search-bar button svg{width:17px;height:17px;}\n.nk-site .hero-photo-content .hero-trust{margin-top:26px;}\n.nk-site .hero-photo-content .trust-item{color:#D6E5D8;}\n.nk-site .hero-photo-content .trust-item svg{color:var(--brass);}\n\n@media (max-width:1199px){\n  .nk-site .hero-photo{position:relative;aspect-ratio:auto;width:100%;height:auto;min-height:0;max-height:none;overflow:visible;background:#fff;display:flex;flex-direction:column;align-items:center;padding:clamp(28px,7vw,40px) 20px clamp(32px,8vw,44px);text-align:center;}\n  .nk-site .hero-photo-media{order:2;position:static;width:min(320px,82vw);margin:clamp(16px,4vw,24px) 0;z-index:auto;}\n  .nk-site .hero-photo-media img{position:static;width:100%;height:auto;aspect-ratio:1536\/1024;object-fit:cover;object-position:center;border-radius:16px;}\n  .nk-site .hero-photo-content,\n  .nk-site .hero-photo-content .container,\n  .nk-site .hero-photo-content .inner{display:contents;}\n  .nk-site .hero-photo-content h1{order:1;color:var(--pine-deep);max-width:480px;margin:0 auto;padding-top:0;font-size:clamp(28px,8.2vw,36px);line-height:1.05;letter-spacing:-.03em;text-align:center;}\n  .nk-site .hero-photo-content h1 .accent{color:var(--pine-deep);}\n  .nk-site .hero-photo-content .hero-sub{order:3;color:#29453D;max-width:36ch;margin:0 auto;font-size:clamp(14px,3.8vw,16px);line-height:1.5;text-align:center;}\n  .nk-site .hero-actions{order:4;position:static;display:flex;width:100%;max-width:420px;margin:26px auto 0;}\n  .nk-site .hero-actions .btn-ghost{display:none;}\n  .nk-site .hero-actions .btn-brass{width:100%;font-size:15px;font-weight:800;padding:14px 20px;white-space:nowrap;}\n}\n\n\/* ---------- hot offers: photo + bullets + CTA cards ---------- *\/\n.nk-site .offer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}\n.nk-site .offer-card{border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;background:var(--paper-card);box-shadow:var(--shadow);display:flex;flex-direction:column;}\n.nk-site .offer-card img{width:100%;height:190px;object-fit:cover;display:block;}\n.nk-site .offer-card-body{padding:22px;display:flex;flex-direction:column;gap:14px;flex:1;}\n.nk-site .offer-card-body h3{font-size:19px;}\n.nk-site .offer-card-body .feature-list{gap:9px;flex:1;}\n.nk-site .offer-card-body .feature-list li{font-size:13.5px;}\n.nk-site .offer-card-body .feature-list svg{width:15px;height:15px;}\n.nk-site .offer-card-body .btn{margin-top:4px;}\n\n@media (max-width:920px){\n  .nk-site .offer-grid{grid-template-columns:1fr;}\n}\n\n\/* ---------- How it works: value grid \/ match flow \/ match recap ----------\n   Static layout only -- no scroll-pin\/animation logic. Meant as a base for\n   the user to layer their own scroll animation + imagery onto later. *\/\n.nk-site .value-grid .section-head{text-align:center;margin-inline:auto;}\n.nk-site .value-grid-row{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}\n.nk-site .value-card{border:1px solid var(--line);border-radius:var(--radius-lg);background:var(--paper-card);box-shadow:var(--shadow);padding:28px 24px;display:flex;flex-direction:column;align-items:center;text-align:center;gap:10px;}\n.nk-site .value-card--accent{border-color:var(--line-strong);}\n.nk-site .value-card-num{font-size:clamp(52px,6.5vw,72px);font-weight:900;line-height:1;color:var(--pine-deep);}\n.nk-site .value-card-num .unit{font-size:.4em;font-weight:800;margin-left:4px;color:var(--ink-soft);}\n.nk-site .value-card-label{font-size:17px;font-weight:800;color:var(--ink);margin:0;}\n.nk-site .value-card-sub{font-size:14px;line-height:1.55;color:var(--ink-soft);margin:0;}\n.nk-site .value-card-icon{background:transparent;color:var(--pine-deep);display:flex;align-items:center;justify-content:center;margin-bottom:4px;}\n.nk-site .value-card-icon svg{width:clamp(52px,6.5vw,72px);height:clamp(52px,6.5vw,72px);}\n@media (max-width:860px){.nk-site .value-grid-row{grid-template-columns:1fr;}}\n\n.nk-site .match-flow{position:relative;}\n.nk-site .match-flow-pin-wrap{position:relative;height:250vh;}\n.nk-site .match-flow-sticky{position:sticky;top:0;height:100vh;overflow:hidden;display:flex;align-items:center;}\n.nk-site .match-flow-sticky .container{width:100%;}\n.nk-site .match-flow-bg{position:absolute;inset:0;z-index:0;}\n.nk-site .match-flow-bg img{width:100%;height:100%;object-fit:cover;}\n.nk-site .match-flow .container{position:relative;z-index:1;}\n.nk-site .match-flow .section-head h2{color:#fff;text-shadow:0 2px 16px rgba(0,0,0,.35),0 1px 4px rgba(0,0,0,.25);}\n.nk-site .match-flow-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:64px;align-items:center;}\n.nk-site .match-flow-text{display:grid;}\n.nk-site .match-flow-card{grid-area:1\/1;align-self:start;max-width:26em;border-radius:2em;background:linear-gradient(160deg,rgba(255,255,255,.75),rgba(255,255,255,.35));backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);padding:2em;opacity:0;visibility:hidden;}\n.nk-site .match-flow-card:first-child{opacity:1;visibility:visible;}\n.nk-site .match-flow-card h3{font-size:26px;font-weight:800;margin:0 0 12px;color:#3a3a3a;line-height:1.2;}\n.nk-site .match-flow-card p{font-size:15px;line-height:1.6;color:#504c4c;margin:0;}\n.nk-site .match-flow-diagram{position:relative;}\n.nk-site .flow-badge-wrap{position:relative;display:flex;margin:0 0 40px;}\n.nk-site .flow-badge{display:inline-flex;align-items:center;gap:12px;background:#fff;color:#1a1a1a;border-radius:999px;padding:8px 24px 8px 8px;font-weight:800;font-size:15px;box-shadow:0 12px 28px -10px rgba(0,0,0,.25);opacity:0;}\n.nk-site .flow-hub-line{position:absolute;left:19px;top:100%;width:2px;height:72px;overflow:visible;z-index:0;}\n.nk-site .flow-hub-line line{stroke:rgba(255,255,255,.85);stroke-width:3;}\n.nk-site .flow-badge-wrap.is-revealed .flow-hub-line line{stroke-dashoffset:0!important;}\n.nk-site .flow-badge svg,.nk-site .flow-badge img{width:22px;height:22px;flex-shrink:0;object-fit:contain;padding:7px;box-sizing:content-box;border-radius:20%;background:#DCF3E4;color:#1a7a45;}\n.nk-site .flow-rows{list-style:none;margin:0;padding:0 0 0 54px;display:flex;flex-direction:column;gap:20px;}\n.nk-site .flow-row{position:relative;display:flex;align-items:center;gap:12px;background:#fff;border-radius:999px;padding:8px 26px 8px 8px;box-shadow:0 12px 28px -12px rgba(0,0,0,.22);}\n.nk-site .flow-row-line{position:absolute;left:-34px;top:50%;width:2px;height:84px;overflow:visible;z-index:0;}\n.nk-site .flow-row-line line{stroke:rgba(255,255,255,.85);stroke-width:3;}\n.nk-site .flow-row-icon{position:relative;z-index:1;flex-shrink:0;width:48px;height:48px;border-radius:22%;background:#DCEBFA;color:#1a5a9a;display:flex;align-items:center;justify-content:center;opacity:0;}\n.nk-site .flow-row-icon img{width:26px;height:26px;}\n.nk-site .flow-row-label{flex:1;font-size:15px;font-weight:800;color:#1a1a1a;opacity:0;white-space:nowrap;}\n.nk-site .flow-row-pct{position:absolute;left:-54px;top:50%;transform:translateY(-50%);flex-shrink:0;width:40px;height:40px;background:#fff;border:1px solid #e4e4e4;color:#5a5a5a;font-size:11px;font-weight:800;border-radius:999px;display:flex;align-items:center;justify-content:center;opacity:0;}\n.nk-site .flow-row-pct--check{width:auto;height:auto;position:static;transform:none;left:auto;top:auto;gap:5px;padding:6px 14px;background:var(--pine);border-color:var(--pine);color:#fff;margin-left:auto;}\n.nk-site .flow-row-pct--check svg{width:13px;height:13px;}\n.nk-site .flow-row.is-revealed .flow-row-icon,\n.nk-site .flow-row.is-revealed .flow-row-label,\n.nk-site .flow-row.is-revealed .flow-row-pct,\n.nk-site .flow-badge-wrap.is-revealed .flow-badge{opacity:1;transform:none;}\n.nk-site .flow-row.is-revealed .flow-row-line line{stroke-dashoffset:0!important;}\n.nk-site .match-flow-text.is-revealed .match-flow-card{opacity:1;visibility:visible;}\n.nk-site .match-flow--recap .flow-row-line line{stroke:var(--line-strong);}\n.nk-site .match-flow--recap .flow-badge{box-shadow:var(--shadow);}\n.nk-site .match-flow--recap .flow-row{box-shadow:var(--shadow);}\n.nk-site .match-flow--recap .flow-row-pct{border-color:var(--line-strong);}\n.nk-site .flow-row:nth-child(1) .flow-row-icon{background:#DCF3E4;color:#1a7a45;}\n.nk-site .flow-row:nth-child(2) .flow-row-icon{background:#DCEBFA;color:#1a5a9a;}\n.nk-site .flow-row:nth-child(3) .flow-row-icon{background:#E4E9FC;color:#4a4ab5;}\n.nk-site .flow-row:nth-child(4) .flow-row-icon{background:#FCEED4;color:#a67a1a;}\n@media (max-width:860px){.nk-site .match-flow-grid{grid-template-columns:1fr;}.nk-site .flow-row-label{white-space:normal;}}\n\n.nk-site .match-flow--recap{background:#CFEFDA;}\n\n.nk-site .floating-panel-wrap{position:relative;z-index:5;}\n.nk-site .floating-panel{\n  margin-top:clamp(-72px,-6vw,-56px);\n  background:var(--paper-card);border-radius:var(--radius-lg);\n  box-shadow:0 24px 56px -24px rgba(11,54,64,.4),0 1px 2px rgba(11,54,64,.06);\n  padding:clamp(20px,3vw,30px);display:grid;grid-template-columns:repeat(3,1fr);gap:18px;\n}\n.nk-site .cat-card{position:relative;display:flex;flex-direction:column;gap:10px;padding:18px 40px 18px 18px;border-radius:var(--radius);border:1px solid var(--line);text-decoration:none;color:var(--ink);}\n.nk-site .cat-card:hover{border-color:var(--pine);background:rgba(11,114,133,.04);}\n.nk-site .cat-card .icon{width:38px;height:38px;border-radius:50%;background:rgba(11,114,133,.09);display:flex;align-items:center;justify-content:center;color:var(--pine);flex-shrink:0;}\n.nk-site .cat-card .icon svg{width:19px;height:19px;}\n.nk-site .cat-card h4{font-family:var(--font-display);font-size:16.5px;font-weight:700;}\n.nk-site .cat-card p{font-size:13px;color:var(--ink-soft);}\n.nk-site .cat-card .go{position:absolute;top:16px;right:16px;color:var(--ink-soft);width:15px;height:15px;}\n\n@media (max-width:920px){\n  .nk-site .floating-panel{grid-template-columns:1fr;}\n}\n.nk-site .trust-item{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--ink-soft);font-weight:700;}\n.nk-site .trust-item svg{width:16px;height:16px;color:var(--pine);flex-shrink:0;}\n\n.nk-site .ledger-card{background:var(--paper-card);border:1px solid var(--line-strong);border-radius:var(--radius-lg);box-shadow:var(--shadow);overflow:hidden;}\n.nk-site .ledger-head{background:var(--pine-deep);color:#DCF1F4;padding:16px 22px;display:flex;align-items:center;justify-content:space-between;}\n.nk-site .ledger-head .label{font-family:var(--font-mono);font-size:11.5px;letter-spacing:.08em;text-transform:uppercase;opacity:.75;}\n.nk-site .ledger-head .stamp{font-family:var(--font-mono);font-size:10.5px;letter-spacing:.08em;border:1px solid var(--brass-strong);color:var(--brass-strong);padding:3px 9px;border-radius:999px;}\n.nk-site .ledger-rows{padding:6px 22px;}\n.nk-site .ledger-row{display:flex;justify-content:space-between;align-items:baseline;padding:13px 0;border-bottom:1px solid var(--line);gap:12px;}\n.nk-site .ledger-row:last-child{border-bottom:0;}\n.nk-site .ledger-row .k{font-size:13.5px;color:var(--ink-soft);}\n.nk-site .ledger-row .v{font-family:var(--font-mono);font-size:15.5px;font-weight:700;}\n.nk-site .ledger-row.total .v{color:var(--pine);font-size:18px;}\n.nk-site .ledger-foot{padding:14px 22px 20px;font-size:11.5px;color:var(--ink-soft);border-top:1px solid var(--line);}\n\n\/* ---------- interactive rate-quote widget (hero) ---------- *\/\n.nk-site .rate-form{background:var(--paper-card);border:1px solid var(--line-strong);border-radius:var(--radius-lg);box-shadow:var(--shadow);overflow:hidden;}\n.nk-site .rate-form-head{background:var(--pine);color:#EAF6F8;padding:20px 24px;}\n.nk-site .rate-form-head .label{font-family:var(--font-mono);font-size:11px;letter-spacing:.08em;text-transform:uppercase;opacity:.8;}\n.nk-site .rate-form-head h3{color:#fff;font-size:19px;margin-top:4px;}\n.nk-site .rate-form-body{padding:22px 24px 24px;display:flex;flex-direction:column;gap:16px;}\n.nk-site .field{display:flex;flex-direction:column;gap:6px;}\n.nk-site .field label{font-size:12.5px;font-weight:700;color:var(--ink-soft);}\n.nk-site .field select,.nk-site .field input:not([type=\"range\"]){\n  appearance:none;-webkit-appearance:none;\n  border:1px solid var(--line-strong);border-radius:var(--radius);\n  padding:11px 14px;font-family:var(--font-mono);font-size:14.5px;color:var(--ink);\n  background:var(--paper) url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2354707A' stroke-width='1.6' fill='none' stroke-linecap='round' stroke-linejoin='round'\/%3E%3C\/svg%3E\") no-repeat right 14px center;\n  background-color:var(--paper);\n}\n.nk-site .field select{cursor:pointer;padding-right:34px;}\n.nk-site .field input{background-image:none;}\n.nk-site .field select:focus,.nk-site .field input:focus{outline:2px solid var(--brass);outline-offset:1px;border-color:var(--pine);}\n\n\/* ---------- range-slider amount field (quick-apply calculator) ---------- *\/\n.nk-site .range-field{gap:4px;}\n.nk-site .range-readout{font-family:var(--font-mono);font-size:26px;font-weight:700;color:var(--pine);letter-spacing:-.01em;}\n.nk-site .range-field input[type=\"range\"]{\n  -webkit-appearance:none;appearance:none;width:100%;max-width:420px;height:6px;margin:12px 0 4px;\n  border-radius:999px;background:linear-gradient(90deg,var(--pine) 0%,var(--pine) var(--range-pct,30%),var(--line-strong) var(--range-pct,30%),var(--line-strong) 100%);\n  cursor:grab;outline:none;\n}\n.nk-site .range-field input[type=\"range\"]:active{cursor:grabbing;}\n.nk-site .range-field input[type=\"range\"]::-webkit-slider-thumb{\n  -webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;\n  background:var(--paper);border:3px solid var(--pine);box-shadow:0 2px 6px rgba(1,61,40,.3);\n  cursor:grab;transition:transform .15s cubic-bezier(.2,.8,.2,1);\n}\n.nk-site .range-field input[type=\"range\"]:hover::-webkit-slider-thumb{transform:scale(1.1);}\n.nk-site .range-field input[type=\"range\"]:active::-webkit-slider-thumb{cursor:grabbing;transform:scale(1.2);}\n.nk-site .range-field input[type=\"range\"]::-moz-range-thumb{\n  width:16px;height:16px;border-radius:50%;background:var(--paper);border:3px solid var(--pine);\n  box-shadow:0 2px 6px rgba(1,61,40,.3);cursor:grab;transition:transform .15s cubic-bezier(.2,.8,.2,1);\n}\n.nk-site .range-field input[type=\"range\"]:hover::-moz-range-thumb{transform:scale(1.1);}\n.nk-site .range-field input[type=\"range\"]:active::-moz-range-thumb{cursor:grabbing;transform:scale(1.18);}\n.nk-site .range-field input[type=\"range\"]::-moz-range-track{height:8px;border-radius:999px;background:var(--line-strong);}\n.nk-site .range-field input[type=\"range\"]:focus-visible::-webkit-slider-thumb,\n.nk-site .range-field input[type=\"range\"]:focus-visible::-moz-range-thumb{outline:2px solid var(--brass);outline-offset:3px;}\n.nk-site .range-scale{display:flex;justify-content:space-between;max-width:420px;font-size:11.5px;color:var(--ink-soft);}\n.nk-site .rate-form .btn{width:100%;padding:13px;font-size:15px;margin-top:4px;}\n.nk-site .rate-form-note{font-size:11.5px;color:var(--ink-soft);text-align:center;}\n.nk-site .rate-result{display:none;padding:12px 14px;border-radius:var(--radius);background:rgba(11,114,133,.08);border:1px solid var(--line-strong);font-size:13.5px;color:var(--ink);}\n.nk-site .rate-result.show{display:block;}\n\n\/* ---------- lead capture forms (partnership, quick-apply, contact) ---------- *\/\n.nk-site .field textarea{\n  appearance:none;-webkit-appearance:none;resize:vertical;min-height:96px;\n  border:1px solid var(--line-strong);border-radius:var(--radius);\n  padding:11px 14px;font-family:var(--font-body);font-size:14.5px;color:var(--ink);\n  background:var(--paper);\n}\n.nk-site .field textarea:focus{outline:2px solid var(--brass);outline-offset:1px;border-color:var(--pine);}\n.nk-site .consent-row{display:flex;align-items:flex-start;gap:10px;}\n.nk-site .consent-row input[type=\"checkbox\"]{margin-top:3px;flex-shrink:0;width:16px;height:16px;accent-color:var(--pine);cursor:pointer;}\n.nk-site .consent-row label{font-size:12.5px;color:var(--ink-soft);line-height:1.5;}\n.nk-site [data-lead-form] .hp-field{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden;}\n.nk-site .form-msg{font-size:13px;min-height:1em;text-align:center;}\n.nk-site .form-msg.success{color:var(--pine);font-weight:700;}\n.nk-site .form-msg.error{color:var(--alert);font-weight:700;}\n\n\/* ---------- Apply page: full-width numbered step wizard ----------\n   Colors\/sizes matched to reference values pulled directly from its\n   stylesheet (GOCOapp.css): bg #FFF7EE, text\/border #143C14, labels set\n   as 24px\/700 mini-headings, 60px-tall 12px-radius inputs, 2px dividers\n   at 20% opacity with 48px top margin, 12px-radius solid buttons. *\/\n.nk-site .page-header h1 .accent{color:var(--pine);}\n.nk-site .apply-section{\n  --apply-ink:#143C14;\n  --apply-border:#001E0A;\n  --apply-divider:rgba(20,60,20,.32);\n  --apply-tint:rgba(20,60,20,.14);\n  background:#FFF7EE;\n  padding-block:clamp(40px,6vw,64px);\n}\n.nk-site .apply-section .container{max-width:none;margin-left:0;padding-left:clamp(20px,2vw,40px);}\n.nk-site .apply-section .range-readout{color:var(--apply-ink);}\n.nk-site .apply-section .range-scale{color:var(--apply-ink);opacity:.6;}\n.nk-site .apply-section .range-field input[type=\"range\"]{background:linear-gradient(90deg,var(--apply-ink) 0%,var(--apply-ink) var(--range-pct,30%),var(--apply-divider) var(--range-pct,30%),var(--apply-divider) 100%);}\n.nk-site .apply-section .range-field input[type=\"range\"]::-webkit-slider-thumb{border-color:var(--apply-ink);box-shadow:0 2px 6px rgba(20,60,20,.3);}\n.nk-site .apply-section .range-field input[type=\"range\"]::-moz-range-thumb{border-color:var(--apply-ink);box-shadow:0 2px 6px rgba(20,60,20,.3);}\n.nk-site .apply-section .range-field input[type=\"range\"]::-moz-range-track{background:var(--apply-divider);}\n.nk-site .apply-section .range-field input[type=\"range\"]:focus-visible::-webkit-slider-thumb,\n.nk-site .apply-section .range-field input[type=\"range\"]:focus-visible::-moz-range-thumb{outline-color:var(--apply-ink);}\n.nk-site .apply-section .consent-row input[type=\"checkbox\"]{accent-color:var(--apply-ink);}\n.nk-site .apply-wizard{display:grid;grid-template-columns:170px minmax(0,560px);gap:48px;align-items:start;justify-content:start;}\n.nk-site .apply-steps{position:static;}\n.nk-site .apply-steps ol{list-style:none;margin:0;padding:0;position:relative;}\n.nk-site .apply-step:first-child .apply-step-num::before{content:\"\";position:absolute;left:50%;top:100%;margin-left:-1.5px;width:3px;height:44px;background:var(--apply-divider);}\n.nk-site .apply-step{position:relative;display:flex;align-items:center;gap:20px;padding-block:0;margin-top:40px;}\n.nk-site .apply-step:first-child{margin-top:0;}\n.nk-site .apply-step-num{position:relative;z-index:1;flex-shrink:0;width:42px;height:42px;border-radius:12px;border:2px solid var(--apply-ink);background:#FFF7EE;color:var(--apply-ink);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;transition:border-width .15s ease,background .2s ease,color .2s ease;}\n.nk-site .apply-step-label{font-weight:800;font-size:17px;color:var(--apply-ink);opacity:.5;transition:opacity .2s ease;}\n.nk-site .apply-step.is-active .apply-step-num{border-width:3px;background:var(--apply-tint);}\n.nk-site .apply-step.is-active .apply-step-label{opacity:1;}\n.nk-site .apply-step.is-complete{cursor:pointer;}\n.nk-site .apply-step.is-complete .apply-step-num{background:var(--apply-ink);color:#FFF7EE;font-size:0;}\n.nk-site .apply-step.is-complete .apply-step-num::after{content:\"\u2713\";font-size:18px;}\n.nk-site .apply-step.is-complete .apply-step-label{opacity:.8;}\n\n\/* intro copy + benefit checklist, shown above the first step's fields only *\/\n.nk-site .apply-intro{padding-bottom:40px;margin-bottom:8px;border-bottom:2px solid var(--apply-divider);}\n.nk-site .apply-intro h1{font-size:clamp(24px,3vw,36px);font-weight:900;line-height:1.2;color:var(--apply-ink);margin:0 0 16px;text-transform:uppercase;}\n.nk-site .apply-intro h1 .accent{color:var(--apply-ink);text-decoration:underline;text-decoration-color:var(--apply-divider);text-decoration-thickness:3px;text-underline-offset:4px;}\n.nk-site .apply-intro-sub{font-size:16px;line-height:1.55;color:var(--apply-ink);opacity:.75;margin:0 0 22px;max-width:52ch;}\n.nk-site .apply-benefits{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:12px;}\n.nk-site .apply-benefits li{display:flex;align-items:center;gap:12px;font-size:15px;font-weight:700;color:var(--apply-ink);}\n.nk-site .apply-benefits .check{flex-shrink:0;width:22px;height:22px;background:transparent;color:var(--apply-ink);display:flex;align-items:center;justify-content:center;font-size:16px;font-weight:900;}\n\n\/* de-boxed, editorial form: no card chrome, divider line under each question *\/\n.nk-site .apply-form{background:transparent;border:0;box-shadow:none;border-radius:0;}\n.nk-site .apply-form .rate-form-body{padding:0;}\n.nk-site .apply-step-panel{display:flex;flex-direction:column;gap:0;}\n.nk-site .apply-step-panel[hidden]{display:none;}\n.nk-site .apply-step-panel.is-entering{animation:apply-step-in .4s cubic-bezier(.2,.8,.2,1);}\n@keyframes apply-step-in{from{opacity:0;transform:translateY(14px);}to{opacity:1;transform:translateY(0);}}\n@media (prefers-reduced-motion:reduce){.nk-site .apply-step-panel.is-entering{animation:none;}}\n.nk-site .apply-step-panel .field{gap:16px;padding-top:48px;}\n.nk-site .apply-step-panel .apply-intro + .field,\n.nk-site .apply-step-panel .apply-back + .field{padding-top:0;}\n.nk-site .apply-step-panel .field:not(:last-of-type){padding-bottom:48px;border-bottom:2px solid var(--apply-divider);}\n.nk-site .apply-step-panel .field label{font-size:24px;font-weight:800;color:var(--apply-ink);line-height:1.25;}\n.nk-site .apply-step-panel .field select,\n.nk-site .apply-step-panel .field input:not([type=\"range\"]){\n  max-width:420px;height:60px;padding:0 18px;border-radius:12px;\n  border:1.5px solid var(--apply-border);color:var(--apply-ink);font-size:16px;font-weight:600;\n  background-color:#fff;transition:border-color .15s ease,box-shadow .15s ease;\n}\n.nk-site .apply-step-panel .field input:not([type=\"range\"])::placeholder{color:var(--apply-ink);opacity:.4;font-weight:500;}\n.nk-site .apply-step-panel .field select{\n  appearance:none;-webkit-appearance:none;cursor:pointer;padding-right:44px;\n  background-image:url(\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='14' height='9'%3E%3Cpath d='M1 1l6 6 6-6' stroke='%23143C14' stroke-width='2' fill='none' stroke-linecap='round' stroke-linejoin='round'\/%3E%3C\/svg%3E\");\n  background-repeat:no-repeat;background-position:right 18px center;\n}\n.nk-site .apply-step-panel .field select:hover,\n.nk-site .apply-step-panel .field input:not([type=\"range\"]):hover{border-color:var(--apply-ink);}\n.nk-site .apply-step-panel .field select:focus,\n.nk-site .apply-step-panel .field input:not([type=\"range\"]):focus{outline:none;border-color:var(--apply-ink);box-shadow:0 0 0 3px rgba(20,60,20,.14);}\n.nk-site .apply-step-panel .consent-row{margin-top:32px;}\n.nk-site .apply-step-panel .btn{\n  margin-top:24px;max-width:220px;min-width:160px;padding:14px 20px;border-radius:12px;\n  background:var(--apply-ink);box-shadow:0 2px 4px rgba(0,0,0,.16);\n}\n.nk-site .apply-step-panel .btn:hover{background:#0a2810;}\n.nk-site .apply-back{\n  appearance:none;-webkit-appearance:none;\n  align-self:flex-start;width:fit-content;min-height:32px;\n  display:inline-flex;align-items:center;gap:5px;cursor:pointer;margin-bottom:20px;\n  background:transparent;border:0;border-radius:0;\n  color:var(--apply-ink);font-weight:700;font-size:13px;line-height:1.2;padding:5px 2px;\n  transition:color .15s ease,transform .15s ease;\n}\n.nk-site .apply-back::before{content:\"\u2190\";font-size:14px;transition:transform .15s ease;}\n.nk-site .apply-back:hover{color:#0a2810;}\n.nk-site .apply-back:hover::before{transform:translateX(-2px);}\n.nk-site .apply-back:active{transform:scale(.97);}\n@media (max-width:980px){\n  .nk-site .apply-wizard{grid-template-columns:1fr;gap:24px;}\n  .nk-site .apply-steps{position:static;}\n  .nk-site .apply-steps ol{display:flex;gap:6px;}\n  .nk-site .apply-steps ol::before{content:\"\";position:absolute;top:19px;left:25%;right:25%;height:2px;background:var(--apply-divider);}\n  .nk-site .apply-step:first-child .apply-step-num::before{display:none;}\n  .nk-site .apply-step{flex:1;flex-direction:column;gap:6px;padding-block:0;text-align:center;margin-top:0;}\n  .nk-site .apply-step-label{font-size:12px;}\n  .nk-site .apply-step-panel .field select,\n  .nk-site .apply-step-panel .field input{max-width:none;}\n  .nk-site .apply-step-panel .btn{max-width:none;}\n}\n\n\/* ---------- logo \/ partner carousel ---------- *\/\n.nk-site .carousel{display:flex;align-items:center;gap:16px;}\n.nk-site .carousel-track{display:flex;gap:14px;overflow-x:auto;scroll-behavior:smooth;scroll-snap-type:x mandatory;padding-block:4px;flex:1;}\n.nk-site .carousel-track::-webkit-scrollbar{display:none;}\n.nk-site .carousel-track{scrollbar-width:none;}\n.nk-site .carousel-item{\n  scroll-snap-align:start;flex:0 0 auto;\n  min-width:180px;border:1px solid var(--line);border-radius:var(--radius-lg);\n  background:var(--paper-card);padding:20px;text-align:center;box-shadow:var(--shadow);\n}\n.nk-site .carousel-item .name{font-family:var(--font-display);font-weight:700;font-size:16px;}\n.nk-site .carousel-item .logo{height:28px;width:auto;max-width:120px;object-fit:contain;margin:0 auto;}\n.nk-site .carousel-item .cat{display:block;margin-top:6px;font-family:var(--font-mono);font-size:10.5px;letter-spacing:.05em;text-transform:uppercase;color:var(--brass);}\n.nk-site .carousel-arrow{\n  flex-shrink:0;width:40px;height:40px;border-radius:50%;border:1px solid var(--line-strong);\n  background:var(--paper-card);color:var(--ink);display:flex;align-items:center;justify-content:center;cursor:pointer;\n}\n.nk-site .carousel-arrow:hover{border-color:var(--pine);color:var(--pine);}\n.nk-site .carousel-arrow svg{width:16px;height:16px;}\n\n.nk-site section{padding-block:clamp(52px,7vw,84px);}\n.nk-site .section-head{max-width:640px;margin-bottom:40px;}\n.nk-site .section-head h2{font-size:clamp(26px,3vw,36px);}\n.nk-site .section-head p{margin-top:12px;color:var(--ink-soft);font-size:16px;}\n.nk-site .section-alt{background:var(--paper-card);border-block:1px solid var(--line);}\n\n\/* ---------- homepage \"How it works\": huge bold uppercase heading + card grid ---------- *\/\n.nk-site .section-alt#how{background:#FCEFD9;border-block:0;padding-block:0;}\n.nk-site .section-alt#how .container{padding-block:clamp(36px,5vw,56px);}\n.nk-site .section-alt#how .section-head{text-align:center;margin-inline:auto;max-width:720px;}\n.nk-site .section-alt#how .section-head h2{font-size:clamp(30px,4.4vw,48px);font-weight:800;text-transform:uppercase;letter-spacing:-.025em;color:#013D28;-webkit-text-stroke:.9px currentColor;}\n.nk-site .how-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:8px;}\n.nk-site .how-card{background:#fff;border:1px solid #6B6B6B;border-radius:20px;padding:28px 26px;box-shadow:var(--shadow);}\n.nk-site .how-eyebrow{display:none;}\n.nk-site .how-card h3{font-size:19px;margin-bottom:10px;}\n.nk-site .how-card p{color:var(--ink-soft);font-size:14.5px;line-height:1.6;}\n.nk-site .how-card p + p{margin-top:10px;}\n.nk-site .how-dots{display:none;}\n.nk-site .section-alt#how .btn{display:flex;width:fit-content;margin-inline:auto;}\n.nk-site .section-alt#how .btn-brass{background:var(--pine-deep);}\n.nk-site .section-alt#how .btn-brass:hover{background:#011f16;}\n\n.nk-site .teaser-section{background:#CFEFDA;border-bottom:1px solid var(--line);padding-block:clamp(56px,7vw,88px);}\n.nk-site .teaser-section .section-head{text-align:center;margin-inline:auto;max-width:900px;}\n.nk-site .teaser-section .section-head h2{font-size:clamp(30px,4.4vw,48px);font-weight:800;text-transform:uppercase;letter-spacing:-.025em;color:#013D28;-webkit-text-stroke:.9px currentColor;white-space:nowrap;}\n.nk-site .teaser-section .container{max-width:1360px;}\n.nk-site .teaser-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;}\n.nk-site .teaser-card{display:flex;flex-direction:column;align-items:center;text-align:center;gap:10px;background:transparent;border:none;border-radius:0;padding:0;box-shadow:none;}\n.nk-site .teaser-icon{display:inline-flex;align-items:center;justify-content:center;width:64px;height:64px;color:#000;}\n.nk-site .teaser-icon svg{width:40px;height:40px;}\n.nk-site .teaser-title{display:block;font-weight:800;font-size:19px;color:var(--ink);}\n.nk-site .teaser-copy{color:var(--ink-soft);font-size:14.5px;line-height:1.6;margin:0;}\n\n\/* branded phone mockup (bezel baked into the image, transparent background) + butterfly\n   flourishes, sitting above the headline\/CTA. No artificial frame\/crop needed here -- the\n   device shape already comes from the asset. *\/\n.nk-site .why-visual{position:relative;max-width:520px;margin:0 auto clamp(10px,1.5vw,16px);}\n.nk-site .why-phone-frame{position:relative;z-index:2;width:340px;height:385px;margin:0 auto;}\n.nk-site .why-phone-frame img{width:340px;height:385px;display:block;}\n.nk-site .why-phone-frame::after{content:\"\";position:absolute;inset:auto 0 0 0;height:105px;pointer-events:none;background-image:linear-gradient(rgba(207,239,218,0),rgba(207,239,218,1));}\n.nk-site .why-butterfly{position:absolute;z-index:1;filter:drop-shadow(0 6px 10px rgba(1,61,40,.18));}\n.nk-site .why-butterfly.is--left{width:120px;left:-10px;top:30%;transform:rotate(-6deg);}\n.nk-site .why-butterfly.is--right{width:69px;right:0;top:8%;transform:rotate(14deg);}\n.nk-site .why-cta{display:flex;justify-content:center;margin-bottom:clamp(32px,4.5vw,44px);}\n.nk-site .why-cta .btn-brass{background:var(--pine-deep);}\n\n@media (max-width:820px){\n  \/* \"How it works\" becomes a swipeable, one-card-at-a-time carousel on mobile:\n     full-bleed row (negative margin cancels the .container gutter, then the\n     scroller re-applies it as scroll-snap-friendly padding) with the next\n     card peeking in from the right, colored per step, plus dot pagination\n     synced from najdikredit.js via IntersectionObserver. Desktop keeps the\n     plain 3-column grid untouched. *\/\n  .nk-site .how-cards{\n    display:flex;\n    grid-template-columns:none;\n    gap:14px;\n    margin:8px calc(-1 * clamp(20px,4vw,48px)) 0;\n    padding:4px clamp(20px,4vw,48px) 10px;\n    overflow-x:auto;\n    scroll-snap-type:x mandatory;\n    -webkit-overflow-scrolling:touch;\n    scrollbar-width:none;\n  }\n  .nk-site .how-cards::-webkit-scrollbar{display:none;}\n  .nk-site .how-card{\n    flex:0 0 82%;\n    scroll-snap-align:center;\n    border:none;\n    box-shadow:none;\n    border-radius:28px;\n    padding:30px 26px;\n    min-height:280px;\n    display:flex;\n    flex-direction:column;\n  }\n  .nk-site .how-card:nth-child(1){background:#FBE4DC;}\n  .nk-site .how-card:nth-child(2){background:#DCEEE4;}\n  .nk-site .how-card:nth-child(3){background:#F7E7BF;}\n  .nk-site .how-eyebrow{display:block;font-size:15px;color:var(--ink-soft);margin-bottom:4px;}\n  .nk-site .how-card h3{font-size:27px;font-weight:800;line-height:1.08;margin-bottom:auto;}\n  .nk-site .how-card p{color:var(--ink);opacity:.82;font-size:14.5px;font-weight:600;line-height:1.5;}\n  .nk-site .how-dots{display:flex;justify-content:center;align-items:center;gap:7px;margin-top:18px;}\n  .nk-site .how-dot{width:7px;height:7px;border-radius:99px;background:rgba(1,61,40,0.2);padding:0;border:0;transition:width .3s cubic-bezier(.25,.8,.25,1),background-color .3s;}\n  .nk-site .how-dot.is-active{width:20px;background:var(--pine-deep);}\n  .nk-site .teaser-cards{grid-template-columns:1fr;}\n  .nk-site .teaser-section .section-head h2{font-size:34px;}\n}\n@media (max-width:560px){\n  .nk-site .why-visual{max-width:420px;}\n  .nk-site .why-phone-frame{width:260px;height:294px;}\n  .nk-site .why-phone-frame img{width:260px;height:294px;}\n  .nk-site .why-phone-frame::after{height:80px;}\n  .nk-site .why-butterfly.is--left{width:78px;}\n  .nk-site .why-butterfly.is--right{width:44px;}\n}\n\n\/* ---------- product explainer blocks (What is a loan? \/ What is a money transfer?) ---------- *\/\n.nk-site .product-block{padding-block:clamp(48px,6vw,80px);background:#CFEFDA;}\n.nk-site .product-block--reverse{background:#FCEFD9;}\n.nk-site .product-block-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:stretch;}\n.nk-site .product-block--reverse .product-block-media{order:2;}\n.nk-site .product-block-media{height:100%;}\n.nk-site .product-block-media img{width:100%;height:100%;min-height:340px;object-fit:cover;border:1px solid #6B6B6B;border-radius:8px;box-shadow:var(--shadow);display:block;}\n.nk-site .product-block-content h2{font-size:clamp(26px,3.6vw,40px);font-weight:800;text-transform:uppercase;letter-spacing:-.025em;color:#013D28;-webkit-text-stroke:1.1px currentColor;margin:0 0 20px;}\n.nk-site .product-block-body p{color:var(--ink-soft);font-size:15.5px;line-height:1.7;margin:0 0 16px;}\n.nk-site .product-block-body a:not(.btn){color:var(--pine);font-weight:700;text-decoration:underline;text-decoration-color:var(--line-strong);text-underline-offset:2px;}\n.nk-site .product-block-body a:not(.btn):hover{text-decoration-color:var(--pine);}\n.nk-site .product-block-body .btn{margin-top:8px;}\n.nk-site .product-block-body .btn-brass{background:var(--pine-deep);}\n.nk-site .product-block-body .btn-brass:hover{background:#011f16;}\n.nk-site .product-block-list{list-style:none;margin:0 0 16px;padding:0;display:flex;flex-direction:column;gap:9px;}\n.nk-site .product-block-list li{display:flex;align-items:center;gap:10px;color:var(--ink);font-weight:700;font-size:15px;}\n.nk-site .product-block-list li::before{content:\"\u2713\";flex-shrink:0;width:20px;height:20px;border-radius:50%;background:var(--brass);color:#fff;font-size:11px;font-weight:900;display:flex;align-items:center;justify-content:center;}\n@media (max-width:820px){\n  .nk-site .product-block-grid{grid-template-columns:1fr;gap:24px;}\n  .nk-site .product-block--reverse .product-block-media{order:0;}\n  .nk-site .product-block-media{height:auto;}\n  .nk-site .product-block-media img{height:auto;min-height:0;aspect-ratio:16\/9;}\n}\n\n.nk-site .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}\n.nk-site .step{position:relative;padding-top:8px;}\n.nk-site .step-num{font-family:var(--font-mono);font-size:13px;color:var(--brass);font-weight:700;display:block;margin-bottom:10px;letter-spacing:.05em;}\n.nk-site .step h3{font-size:19px;margin-bottom:8px;}\n.nk-site .step p{color:var(--ink-soft);font-size:14.5px;}\n\n.nk-site .compare-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}\n.nk-site .lender-card{background:var(--paper-card);border:1px solid var(--line);border-radius:var(--radius-lg);padding:26px;display:flex;flex-direction:column;gap:16px;box-shadow:var(--shadow);}\n.nk-site .lender-top{display:flex;flex-direction:column;align-items:flex-start;gap:14px;}\n.nk-site .lender-logo{height:40px;width:160px;object-fit:contain;object-position:left center;}\n.nk-site .lender-tagline{font-size:14px;font-weight:700;color:var(--ink);}\n.nk-site .lender-features{gap:10px !important;}\n.nk-site .lender-features li{font-size:13.5px !important;}\n.nk-site .lender-features svg{width:15px !important;height:15px !important;}\n.nk-site .lender-name{font-family:var(--font-display);font-weight:700;font-size:20px;}\n.nk-site .lender-badge{font-family:var(--font-mono);font-size:10px;letter-spacing:.06em;text-transform:uppercase;background:rgba(11,114,133,.09);color:var(--pine);padding:4px 9px;border-radius:999px;font-weight:700;}\n.nk-site .lender-specs{display:flex;flex-direction:column;gap:0;border-top:1px solid var(--line);}\n.nk-site .spec-row{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--line);font-size:13.8px;}\n.nk-site .spec-row .k{color:var(--ink-soft);}\n.nk-site .spec-row .v{font-family:var(--font-mono);font-weight:700;}\n.nk-site .lender-card .btn{margin-top:4px;width:100%;}\n.nk-site .lender-note{font-size:11.5px;color:var(--ink-soft);}\n.nk-site .rate-note{margin-top:16px;font-size:11.5px;opacity:.65;}\n.nk-site .feature-list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:16px;}\n.nk-site .feature-list li{display:flex;gap:12px;font-size:15px;color:var(--ink-soft);}\n.nk-site .feature-list svg{width:18px;height:18px;color:var(--pine);flex-shrink:0;margin-top:2px;}\n\n.nk-site .partner-cats{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}\n.nk-site .partner-cat h4{font-family:var(--font-mono);font-size:11.5px;letter-spacing:.07em;text-transform:uppercase;color:var(--brass);margin-bottom:14px;font-weight:700;}\n.nk-site .partner-cat ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px;}\n.nk-site .partner-cat li{border:1px solid var(--line);border-radius:var(--radius);padding:12px 14px;font-weight:700;font-size:14px;background:var(--paper-card);}\n\n.nk-site .disclosure{background:var(--pine-deep);color:#DCF1F4;border-radius:var(--radius-lg);padding:clamp(28px,4vw,44px);display:grid;grid-template-columns:auto 1fr;gap:24px;align-items:start;}\n.nk-site .disclosure .seal{width:56px;height:56px;border-radius:50%;border:2px solid var(--brass-strong);display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--brass-strong);}\n.nk-site .disclosure h3{color:#EAF6F8;font-size:21px;margin-bottom:10px;}\n.nk-site .disclosure p{color:#BFE0E6;font-size:15px;max-width:68ch;}\n.nk-site .disclosure p + p{margin-top:10px;}\n\n.nk-site .news-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}\n.nk-site .news-card{display:block;text-decoration:none;border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;background:var(--paper-card);box-shadow:var(--shadow);cursor:pointer;transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease;}\n.nk-site .news-card:hover,.nk-site .news-card:focus-visible{transform:translateY(-4px);border-color:var(--line-strong);box-shadow:0 16px 34px -18px rgba(1,61,40,.42);}\n.nk-site .news-thumb{height:160px;background:linear-gradient(135deg,var(--pine) 0%,var(--pine-deep) 100%);position:relative;overflow:hidden;}\n.nk-site .news-thumb::after{content:\"\";position:absolute;inset:0;background-image:repeating-linear-gradient(90deg, rgba(255,255,255,.07) 0 1px, transparent 1px 26px);}\n.nk-site .news-thumb img{width:100%;height:100%;object-fit:cover;display:block;position:relative;z-index:1;}\n.nk-site .news-thumb.has-img::after{display:none;}\n.nk-site .news-body{padding:20px;}\n.nk-site .news-date{font-family:var(--font-mono);font-size:11px;color:var(--brass);letter-spacing:.05em;margin-bottom:8px;}\n.nk-site .news-body h3{font-size:16.5px;line-height:1.3;margin-bottom:8px;}\n.nk-site .news-body p{font-size:13.8px;color:var(--ink-soft);}\n.nk-site .news-read-more{display:inline-flex;align-items:center;gap:7px;margin-top:16px;color:var(--pine);font-weight:700;font-size:13.5px;}\n.nk-site .news-read-more::after{content:\"\u2192\";transition:transform .18s ease;}\n.nk-site .news-card:hover .news-read-more::after{transform:translateX(4px);}\n.nk-site .article-hero-img{width:100%;height:auto;aspect-ratio:16\/9;object-fit:cover;border-radius:var(--radius-lg);box-shadow:var(--shadow);margin-bottom:28px;display:block;}\n\n\/* ---------- article page: photo hero banner (replaces the plain title bar) ---------- *\/\n.nk-site .page-header.article-hero-banner{position:relative;overflow:hidden;width:100%;padding:0;aspect-ratio:1672\/941;min-height:320px;max-height:520px;}\n.nk-site .article-hero-media{position:absolute;inset:0;}\n.nk-site .article-hero-media img{width:100%;height:100%;object-fit:cover;display:block;}\n.nk-site .article-hero-media::after{content:\"\";position:absolute;inset:0;background:linear-gradient(180deg, rgba(1,20,13,.7) 0%, rgba(1,20,13,.25) 40%, rgba(1,20,13,.72) 100%);}\n.nk-site .page-header.article-hero-banner .container{position:relative;z-index:1;height:100%;display:flex;flex-direction:column;justify-content:flex-end;padding-bottom:clamp(28px,4vw,48px);}\n.nk-site .page-header.article-hero-banner .breadcrumb,.nk-site .page-header.article-hero-banner .breadcrumb a{color:#BFE0E6;text-shadow:0 1px 8px rgba(0,0,0,.4);}\n.nk-site .page-header.article-hero-banner h1{color:#fff;text-shadow:0 2px 16px rgba(0,0,0,.4);}\n.nk-site .page-header.article-hero-banner .hero-sub{color:#D6E5D8;text-shadow:0 1px 8px rgba(0,0,0,.3);}\n@media (max-width:700px){\n  .nk-site .page-header.article-hero-banner{height:clamp(280px,80vw,380px);min-height:280px;}\n}\n\n\/* ---------- news index: featured hero slider (styled like the FAQ hero) + latest grid + list rows ---------- *\/\n.nk-site .news-featured{background:#CFEFDA;padding-block:0;}\n.nk-site .news-slider-breadcrumb{position:absolute;top:0;left:0;right:0;z-index:2;display:flex;justify-content:center;gap:8px;padding-top:clamp(20px,3.5vw,32px);color:#BFE0E6;font-family:var(--font-mono);font-size:12px;text-shadow:0 1px 8px rgba(0,0,0,.4);}\n.nk-site .news-slider-breadcrumb a{color:#BFE0E6;text-decoration:none;}\n.nk-site .news-slider-breadcrumb a:hover{text-decoration:underline;}\n.nk-site .news-slider-breadcrumb .sep{opacity:.6;}\n.nk-site .news-slider{position:relative;overflow:hidden;width:100%;aspect-ratio:1672\/941;min-height:420px;max-height:900px;}\n.nk-site .news-slide{position:absolute;inset:0;opacity:0;pointer-events:none;transition:opacity .6s ease;}\n.nk-site .news-slide.is-active{opacity:1;pointer-events:auto;}\n.nk-site .news-hero-media{position:absolute;inset:0;}\n.nk-site .news-hero-media img{width:100%;height:100%;object-fit:cover;object-position:center;transform:scale(1.15);transform-origin:center;display:block;}\n.nk-site .news-hero-media::after{content:\"\";position:absolute;inset:0;background:linear-gradient(180deg, rgba(1,20,13,.6) 0%, rgba(1,20,13,.28) 45%, rgba(1,20,13,.62) 100%);}\n.nk-site .news-hero-content{position:absolute;top:0;left:0;right:0;z-index:1;display:flex;flex-direction:column;align-items:center;text-align:center;padding-top:clamp(56px,6vw,64px);}\n.nk-site .news-hero-tag{display:inline-block;font-family:var(--font-mono);font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:#8FE3C0;font-weight:700;margin-bottom:14px;}\n.nk-site .news-hero-content h2{margin:0;color:#fff;font-size:clamp(24px,3.6vw,42px);font-weight:800;letter-spacing:-.01em;line-height:1.18;}\n.nk-site .news-hero-content h2 a{color:#fff;text-decoration:none;}\n.nk-site .news-hero-content h2 a:hover{text-decoration:underline;text-decoration-color:var(--brass);}\n.nk-site .news-hero-content p{margin:14px 0 0;color:#D6E5D8;font-size:15.5px;max-width:60ch;}\n.nk-site .news-slider-arrow{position:absolute;bottom:24px;top:auto;z-index:2;width:46px;height:46px;border-radius:50%;background:rgba(0,0,0,.55);border:1px solid rgba(255,255,255,.3);color:#fff;display:flex;align-items:center;justify-content:center;cursor:pointer;transition:background .2s ease;appearance:none;padding:0;}\n.nk-site .news-slider-arrow:hover{background:rgba(0,0,0,.78);}\n.nk-site .news-slider-arrow svg{width:20px;height:20px;pointer-events:none;}\n.nk-site .news-slider-prev{left:24px;}\n.nk-site .news-slider-next{left:82px;}\n.nk-site .news-slider-dots{display:none;}\n@media (max-width:700px){\n  .nk-site .news-slider{height:clamp(360px,90vw,480px);min-height:360px;}\n  .nk-site .news-hero-content{padding:56px 24px 76px;}\n  .nk-site .news-slider-arrow{width:38px;height:38px;bottom:16px;}\n  .nk-site .news-slider-arrow svg{width:16px;height:16px;}\n  .nk-site .news-slider-prev{left:16px;}\n  .nk-site .news-slider-next{left:66px;}\n}\n\n.nk-site .news-latest{background:#CFEFDA;padding-block:clamp(40px,6vw,64px);position:relative;z-index:2;margin-top:-380px;border-radius:56px 56px 0 0;}\n@media (max-width:600px){\n  .nk-site .news-latest{margin-top:-150px;border-radius:32px 32px 0 0;}\n}\n.nk-site .news-section-title{color:#000;font-size:clamp(24px,3vw,34px);font-weight:800;text-transform:uppercase;letter-spacing:-.01em;border-left:4px solid var(--brass);padding-left:16px;margin-bottom:32px;}\n.nk-site .news-latest-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}\n.nk-site .news-latest-card{display:block;text-decoration:none;}\n.nk-site .news-latest-card img{width:100%;aspect-ratio:16\/9;object-fit:cover;border-radius:12px;display:block;margin-bottom:14px;}\n.nk-site .news-latest-meta{font-family:var(--font-mono);font-size:11.5px;color:rgba(0,0,0,.65);letter-spacing:.04em;margin-bottom:8px;}\n.nk-site .news-latest-card h3{color:#000;font-size:17px;line-height:1.35;font-weight:700;margin-bottom:8px;}\n.nk-site .news-latest-card p{color:rgba(0,0,0,.65);font-size:13.5px;line-height:1.5;margin:0;}\n.nk-site .news-latest-card:hover h3{text-decoration:underline;text-decoration-color:var(--brass);}\n\n.nk-site .news-list-section{background:#CFEFDA;padding-block:clamp(40px,6vw,64px);}\n.nk-site .news-list{display:flex;flex-direction:column;}\n.nk-site .news-list-item{display:flex;align-items:center;justify-content:space-between;gap:32px;padding-block:28px;border-bottom:1px solid rgba(0,0,0,.16);text-decoration:none;}\n.nk-site .news-list-item:last-child{border-bottom:0;}\n.nk-site .news-list-meta{font-family:var(--font-mono);font-size:11.5px;color:rgba(0,0,0,.65);letter-spacing:.04em;margin-bottom:8px;}\n.nk-site .news-list-item h3{font-size:19px;color:#000;font-weight:700;max-width:56ch;line-height:1.35;}\n.nk-site .news-list-item:hover h3{text-decoration:underline;text-decoration-color:var(--brass);}\n.nk-site .news-list-thumb{flex-shrink:0;width:180px;height:112px;border-radius:10px;overflow:hidden;}\n.nk-site .news-list-thumb img{width:100%;height:100%;object-fit:cover;display:block;}\n@media (max-width:900px){\n  .nk-site .news-latest-grid{grid-template-columns:1fr;}\n}\n@media (max-width:700px){\n  .nk-site .news-hero{aspect-ratio:4\/5;max-height:none;}\n  .nk-site .news-list-item{gap:16px;}\n  .nk-site .news-list-thumb{width:96px;height:72px;}\n  .nk-site .news-list-item h3{font-size:16px;}\n}\n\n.nk-site footer.site{--footer-dark:#FFFFFF;--footer-pink:#CFEFDA;--footer-cream:#FFFFFF;--footer-blue:#026642;background:var(--footer-dark);color:var(--ink);padding-top:clamp(52px,7vw,84px);overflow:hidden;}\n.nk-site .footer-lower{display:flex;flex-direction:column;width:100%;text-align:left;}\n.nk-site .footer-brand-row{display:flex;align-items:center;width:100%;padding-bottom:34px;border-bottom:1px solid var(--line);}\n.nk-site .footer-logo{display:inline-block;text-decoration:none;}\n.nk-site .footer-logo .brand-word{color:var(--ink);font-size:27px;}\n.nk-site .footer-logo .brand-word em{color:var(--pine);}\n.nk-site .footer-nav{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(28px,4vw,64px);width:100%;padding-block:42px 46px;}\n.nk-site .footer-nav-group{min-width:0;padding-block:0;}\n.nk-site .footer-nav-group h3{margin:0 0 18px;color:var(--pine);font-family:var(--font-body);font-size:14px;font-weight:900;line-height:1.3;letter-spacing:.06em;text-transform:uppercase;}\n.nk-site .footer-nav-group ul{display:flex;flex-direction:column;gap:12px;list-style:none;margin:0;padding:0;}\n.nk-site footer a{text-decoration:none;transition:color .18s ease;}\n.nk-site .footer-nav-group a{font-size:15px;font-weight:700;color:#000;line-height:1.4;}\n.nk-site .footer-nav-group a:hover{color:var(--pine);}\n.nk-site .footer-legal{display:grid;grid-template-columns:minmax(180px,.55fr) minmax(0,2.45fr);gap:clamp(28px,5vw,72px);width:100%;padding-top:26px;border-top:1px solid var(--line);}\n.nk-site .footer-copyright,.nk-site .footer-disclaimer{margin:0;color:var(--ink-soft);font-size:12px;line-height:1.65;}\n.nk-site .footer-copyright{font-weight:700;color:#000;}\n.nk-site .footer-showcase{position:relative;isolation:isolate;min-height:340px;margin-top:100px;padding:72px 0 48px;background:var(--footer-pink);color:#12372E;}\n.nk-site .footer-wave{position:absolute;z-index:0;left:0;top:-100px;width:100%;max-width:none;height:102px;color:var(--footer-pink);display:block;}\n.nk-site .footer-wave path{fill:currentColor;}\n.nk-site .footer-showcase-inner{display:flex;align-items:center;justify-content:space-between;gap:clamp(32px,7vw,100px);min-height:200px;}\n.nk-site .footer-showcase-copy{max-width:660px;position:relative;z-index:2;}\n.nk-site .footer-showcase-eyebrow{font-family:var(--font-mono);font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#72516A;margin-bottom:12px;}\n.nk-site .footer-showcase-copy h2{font-size:clamp(30px,4.1vw,52px);line-height:1.02;letter-spacing:-.035em;color:#102E28;max-width:15ch;}\n.nk-site .footer-showcase-copy > p:not(.footer-showcase-eyebrow){font-size:15px;line-height:1.6;color:#3D504B;max-width:55ch;margin-top:17px;}\n.nk-site .footer-showcase-cta{display:inline-flex;align-items:center;gap:14px;margin-top:24px;padding:13px 20px;border:2px solid #102E28;border-radius:999px;background:var(--footer-cream);color:#102E28;font-size:14px;font-weight:800;box-shadow:4px 4px 0 #102E28;transition:transform .18s ease,box-shadow .18s ease!important;}\n.nk-site .footer-showcase-cta:hover{color:#102E28;transform:translate(2px,2px);box-shadow:2px 2px 0 #102E28;}\n.nk-site .footer-showcase-cta-arrow{display:inline-flex;align-items:center;}\n.nk-site .footer-showcase-cta-arrow svg{width:18px;height:18px;}\n.nk-site .footer-mascot{position:relative;flex:0 0 clamp(190px,23vw,280px);width:clamp(190px,23vw,280px);transform:rotate(4deg);}\n.nk-site .footer-mascot svg{position:relative;z-index:2;width:100%;overflow:visible;filter:drop-shadow(8px 11px 0 rgba(7,95,228,.16));}\n.nk-site .footer-mascot circle{fill:var(--footer-cream);stroke:var(--footer-blue);stroke-width:7;}\n.nk-site .footer-mascot-eye,.nk-site .footer-mascot-smile{fill:none;stroke:var(--footer-blue);stroke-width:10;stroke-linecap:round;stroke-linejoin:round;}\n@media (max-width:900px){\n  .nk-site .footer-nav{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:40px;}\n  .nk-site .footer-legal{grid-template-columns:1fr;gap:10px;}\n}\n@media (max-width:680px){\n  .nk-site .footer-brand-row{padding-bottom:26px;}\n  .nk-site .footer-nav{grid-template-columns:1fr;gap:34px;padding-block:34px 38px;}\n  .nk-site .footer-nav-group h3{margin-bottom:14px;}\n  .nk-site .footer-showcase{margin-top:78px;padding:64px 0 42px;}\n  .nk-site .footer-wave{left:-40%;top:-78px;width:180%;height:80px;}\n  .nk-site .footer-showcase-inner{flex-direction:column;align-items:flex-start;}\n  .nk-site .footer-showcase-copy h2{font-size:34px;max-width:13ch;}\n  .nk-site .footer-mascot{align-self:flex-end;width:190px;flex-basis:190px;margin-top:-28px;margin-right:0;}\n}\n\n.nk-site .cookie-bar{position:fixed;left:16px;right:16px;bottom:16px;z-index:60;max-width:640px;margin:0 auto;background:var(--paper-card);border:1px solid var(--line-strong);border-radius:var(--radius-lg);box-shadow:var(--shadow);padding:18px 20px;display:flex;gap:16px;align-items:center;flex-wrap:wrap;}\n.nk-site .cookie-bar[hidden]{display:none;}\n.nk-site .cookie-bar p{font-size:13px;color:var(--ink-soft);flex:1;min-width:220px;}\n.nk-site .cookie-actions{display:flex;gap:10px;}\n.nk-site .cookie-actions .btn{padding:8px 16px;font-size:13px;}\n\n.nk-site .sticky-cta{position:fixed;left:16px;right:16px;bottom:16px;z-index:55;max-width:1180px;margin:0 auto;background:#CFEFDA;border:1px solid #013D28;border-radius:var(--radius-lg);box-shadow:var(--shadow);transform:translateY(calc(100% + 24px));opacity:0;transition:transform .6s cubic-bezier(.22,1,.36,1),opacity .5s ease;}\n.nk-site .sticky-cta.is-visible{transform:translateY(0);opacity:1;}\n.nk-site .sticky-cta-inner{display:flex;align-items:center;justify-content:space-between;gap:28px;padding:22px 22px 22px 34px;}\n.nk-site .sticky-cta-copy{font-weight:800;font-size:22px;color:var(--pine-deep);margin:0;}\n.nk-site .sticky-cta .btn{flex:0 0 auto;background:var(--pine-deep);color:#fff;border-radius:999px;padding:20px 42px;font-size:18px;}\n.nk-site .sticky-cta .btn:hover{background:#011f16;}\nbody.has-sticky-cta .nk-site .cookie-bar{bottom:112px;}\n\n@media (max-width:920px){\n  body.menu-open{overflow:hidden;}\n  .nk-site header.site{position:fixed;}\n  main#main-content{padding-top:67px;}\n  .nk-site header.site .container{padding-inline:16px 12px;}\n  .nk-site .nav-row{gap:8px;padding-block:10px;justify-content:space-between;}\n  .nk-site header.site .brand{position:relative;z-index:52;}\n  .nk-site nav.primary{\n    display:flex;\n    position:fixed;\n    inset:0;\n    z-index:50;\n    width:100vw;\n    height:100vh;\n    height:100dvh;\n    flex-direction:column;\n    gap:0;\n    margin:0;\n    padding:max(94px,calc(env(safe-area-inset-top) + 84px)) 20px max(24px,env(safe-area-inset-bottom));\n    background:#CFEFDA;\n    border:0;\n    overflow-y:auto;\n    overscroll-behavior:contain;\n    visibility:hidden;\n    pointer-events:none;\n    transform:translateY(-100%);\n    transition:transform .68s cubic-bezier(.76,0,.24,1),visibility 0s linear .68s;\n  }\n  .nk-site nav.primary.is-open{\n    visibility:visible;\n    pointer-events:auto;\n    transform:translateY(0);\n    transition:transform .68s cubic-bezier(.76,0,.24,1),visibility 0s linear 0s;\n  }\n  .nk-site nav.primary > a{\n    display:flex;\n    align-items:center;\n    justify-content:space-between;\n    width:100%;\n    min-height:68px;\n    padding:15px 2px;\n    border-bottom:1px solid rgba(1,61,40,.24);\n    color:#013D28;\n    font-family:var(--font-display);\n    font-size:clamp(30px,8.5vw,42px);\n    font-weight:780;\n    line-height:1.04;\n    letter-spacing:-.045em;\n    opacity:0;\n    transform:translateY(26px);\n    transition:opacity .42s ease,transform .54s cubic-bezier(.22,1,.36,1),color .2s ease,background .2s ease;\n  }\n  .nk-site nav.primary > a::after{content:\"\u2192\";flex:0 0 auto;margin-left:18px;font-size:.62em;font-weight:500;letter-spacing:0;opacity:.48;transform:translateX(-8px);transition:transform .3s ease,opacity .3s ease;}\n  .nk-site nav.primary > a:hover::after,.nk-site nav.primary > a:focus-visible::after{opacity:1;transform:translateX(0);}\n  .nk-site nav.primary.is-open > a,.nk-site nav.primary.is-open > .lang-toggle{opacity:1;transform:translateY(0);}\n  .nk-site nav.primary.is-open > a:nth-of-type(1){transition-delay:.16s;}\n  .nk-site nav.primary.is-open > a:nth-of-type(2){transition-delay:.22s;}\n  .nk-site nav.primary.is-open > a:nth-of-type(3){transition-delay:.28s;}\n  .nk-site nav.primary.is-open > a:nth-of-type(4){transition-delay:.34s;}\n  .nk-site nav.primary > a:nth-of-type(4){min-height:72px;margin-top:12px;padding:17px 18px;border:0;border-radius:12px;background:#013D28;color:#fff!important;}\n  .nk-site .nav-actions{position:relative;z-index:52;}\n  .nk-site .menu-toggle{display:flex;flex:0 0 46px;margin-left:auto;position:relative;z-index:53;transition:background .35s ease,border-color .35s ease,box-shadow .35s ease;}\n  .nk-site .menu-toggle[aria-expanded=\"true\"]{background:rgba(255,255,255,.52);border-color:transparent;box-shadow:none;}\n  .nk-site .menu-toggle span,.nk-site .menu-toggle span::before,.nk-site .menu-toggle span::after{transition:transform .42s cubic-bezier(.22,1,.36,1),top .42s cubic-bezier(.22,1,.36,1),opacity .25s ease;}\n  .nk-site nav.primary > .lang-toggle{width:100%;margin-top:auto;padding:20px 2px 0;align-items:flex-end;justify-content:space-between;border-top:1px solid rgba(1,61,40,.24);opacity:0;transform:translateY(20px);transition:opacity .42s ease,transform .54s cubic-bezier(.22,1,.36,1);}\n  .nk-site nav.primary.is-open > .lang-toggle{transition-delay:.42s;}\n  .nk-site nav.primary > .lang-toggle .lang-toggle-trigger{color:#315c4b;font-size:13px;font-weight:800;letter-spacing:.09em;text-transform:uppercase;padding:8px 0;}\n  .nk-site nav.primary > .lang-toggle .lang-toggle-menu{position:static;display:block;margin:0;padding:0;background:transparent;border:0;border-radius:0;box-shadow:none;opacity:1;visibility:visible;pointer-events:auto;transform:none;transition:none;}\n  .nk-site nav.primary > .lang-toggle .lang-toggle-menu a,.nk-site nav.primary > .lang-toggle .lang-toggle-menu a:hover{padding:8px 0;border:0;background:transparent;color:#013D28;font-size:16px;font-weight:800;}\n  .nk-site .hero .container{grid-template-columns:1fr;}\n  .nk-site .hero-loans-copy{grid-column:auto;}\n  .nk-site .hero-loans-media{min-height:0;aspect-ratio:4\/5;}\n  .nk-site .steps{grid-template-columns:1fr;}\n  .nk-site .compare-grid{grid-template-columns:1fr;}\n  .nk-site .partner-cats{grid-template-columns:1fr 1fr;}\n  .nk-site .news-grid{grid-template-columns:1fr;}\n  .nk-site .disclosure{grid-template-columns:1fr;}\n}\n@media (max-width:920px) and (prefers-reduced-motion:reduce){\n  .nk-site nav.primary,.nk-site nav.primary > a,.nk-site nav.primary > .lang-toggle,.nk-site .menu-toggle span,.nk-site .menu-toggle span::before,.nk-site .menu-toggle span::after{transition-duration:.001ms!important;transition-delay:0s!important;}\n}\n@media (max-width:520px){\n  .nk-site .utility-copy{display:block;font-size:11px;letter-spacing:0;}\n  html.mk .nk-site .utility-copy.lang-en{display:none;}\n  html.mk .nk-site .utility-copy.lang-mk{display:block;}\n  .nk-site .utility-list{display:none;}\n  .nk-site header.site .brand-word{font-size:20px;}\n  .nk-site .nav-actions{gap:9px;}\n  .nk-site .lang-toggle-trigger{font-size:18px;}\n  .nk-site .search-bar{padding-left:14px;}\n  .nk-site .cookie-bar{left:10px;right:10px;bottom:10px;padding:15px;}\n  .nk-site .cookie-actions{width:100%;}\n  .nk-site .cookie-actions .btn{flex:1;}\n  .nk-site .sticky-cta{left:0;right:0;bottom:0;max-width:none;margin:0;border-radius:0;border-left:0;border-right:0;border-bottom:0;}\n  .nk-site .sticky-cta-inner{flex-direction:row;align-items:center;gap:12px;padding:14px 14px 14px 18px;text-align:left;}\n  .nk-site .sticky-cta-copy{font-size:15px;}\n  .nk-site .sticky-cta .btn{flex:0 0 auto;width:auto;padding:13px 16px;font-size:14px;white-space:nowrap;}\n  body.has-sticky-cta .nk-site .cookie-bar{bottom:96px;}\n  .nk-site .teaser-section .section-head h2{font-size:15px;letter-spacing:-.01em;-webkit-text-stroke:.5px currentColor;}\n  .nk-site .partner-cats{grid-template-columns:1fr;}\n  .nk-site .hero-trust{gap:14px;}\n}\n\n\/* ---------- breadcrumb + compact internal page header ---------- *\/\n.nk-site .breadcrumb{display:flex;gap:8px;align-items:center;font-family:var(--font-mono);font-size:12px;color:var(--ink-soft);margin-bottom:16px;flex-wrap:wrap;}\n.nk-site .breadcrumb a{text-decoration:none;color:var(--ink-soft);}\n.nk-site .breadcrumb a:hover{color:var(--pine);text-decoration:underline;}\n.nk-site .breadcrumb .sep{opacity:.5;}\n.nk-site .page-header{background:var(--paper);border-bottom:1px solid var(--line);padding-block:clamp(36px,5vw,56px);}\n.nk-site .page-header h1{font-size:clamp(28px,3.6vw,42px);letter-spacing:-.01em;}\n.nk-site .page-header .hero-sub{margin-top:14px;}\n.nk-site .page-header.on-dark{background:var(--pine-deep);border-bottom:0;}\n.nk-site .page-header.on-dark h1{color:#EAF6F8;}\n.nk-site .page-header.on-dark .hero-sub{color:#BFE0E6;}\n.nk-site .page-header.on-dark .breadcrumb,.nk-site .page-header.on-dark .breadcrumb a{color:#8FC0C9;}\n\n\/* ---------- how-it-works hero: floating phone+card visual, reference-matched ---------- *\/\n.nk-site .hiw-hero{position:relative;overflow:hidden;width:100%;aspect-ratio:1672\/941;min-height:420px;max-height:900px;padding-block:0;text-align:center;}\n.nk-site .hiw-hero-bg{position:absolute;inset:0;z-index:0;overflow:hidden;}\n.nk-site .hiw-hero-bg img{width:100%;height:100%;object-fit:cover;object-position:center top;}\n.nk-site .hiw-hero .container{position:relative;z-index:1;height:100%;}\n.nk-site .hiw-hero-content{position:absolute;top:0;left:0;right:0;z-index:1;padding-top:clamp(32px,6vw,64px);display:flex;flex-direction:column;align-items:center;text-align:center;}\n.nk-site .hiw-hero-visual{position:absolute;left:50%;bottom:clamp(16px,3vw,36px);transform:translateX(-50%);width:min(64%,620px);aspect-ratio:620\/600;}\n.nk-site .hiw-hero-phone{position:absolute;left:50%;top:50%;width:54%;z-index:2;transform:translate(-50%,-50%) translateX(-24%) translateY(28px);}\n.nk-site .hiw-hero-card{position:absolute;left:50%;top:50%;width:46%;z-index:1;transform:translate(-50%,-50%) translateX(42%) rotate(3deg);}\n.nk-site .hiw-hero-phone img,.nk-site .hiw-hero-card img{width:100%;display:block;filter:drop-shadow(0 26px 34px rgba(1,61,40,.28));}\n.nk-site .hiw-hero .breadcrumb{justify-content:center;display:flex;}\n.nk-site .hiw-hero h1{max-width:none;white-space:nowrap;margin-inline:auto;}\n.nk-site .hiw-final-cta{display:flex;margin:28px auto 0;width:fit-content;}\n@media (max-width:600px){.nk-site .hiw-hero h1{white-space:normal;font-size:clamp(20px,5vw,28px);}}\n.nk-site .hiw-hero .hero-sub{max-width:60ch;margin-inline:auto;}\n@media (max-width:1600px){.nk-site .hiw-hero{height:clamp(420px,110vw,900px);min-height:420px;}}\n\n\/* ---------- scroll-reveal (GSAP ScrollTrigger driven, see najdikredit.js; falls\n   back to a plain .is-revealed class toggle if GSAP fails to load) ---------- *\/\n.nk-site [data-reveal]{opacity:0;transform:translateY(22px);transition:opacity .6s cubic-bezier(.2,.7,.2,1),transform .6s cubic-bezier(.2,.7,.2,1);}\n.nk-site [data-reveal].is-revealed{opacity:1;transform:translateY(0);}\n@media (prefers-reduced-motion:reduce){.nk-site [data-reveal],.nk-site .flow-row-icon,.nk-site .flow-row-label,.nk-site .flow-row-pct,.nk-site .flow-row-line{opacity:1!important;transform:none!important;}}\n\/* blur-in text reveal (reference's \"lines-slide-up\" effect) for the why-section headline *\/\n.nk-site [data-reveal=\"blur\"]{opacity:0;filter:blur(10px);transform:translateY(16px);transition:opacity .8s cubic-bezier(.2,.7,.2,1),filter .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1);}\n.nk-site [data-reveal=\"blur\"].is-revealed{opacity:1;filter:blur(0);transform:translateY(0);}\n@media (prefers-reduced-motion:reduce){.nk-site [data-reveal=\"blur\"]{opacity:1!important;filter:none!important;transform:none!important;}}\n.nk-site .value-grid-row [data-reveal]:nth-child(2){transition-delay:.1s;}\n.nk-site .value-grid-row [data-reveal]:nth-child(3){transition-delay:.2s;}\n.nk-site .match-flow-text [data-reveal]:nth-child(2){transition-delay:.12s;}\n.nk-site .match-flow-text [data-reveal]:nth-child(3){transition-delay:.24s;}\n.nk-site .flow-row-icon img{width:22px;height:22px;object-fit:contain;}\n\n\/* ---------- long-form document \/ editorial prose ---------- *\/\n.nk-site .doc{display:grid;grid-template-columns:minmax(0,72ch) auto;gap:48px;align-items:start;}\n.nk-site .doc-body{max-width:72ch;}\n.nk-site .doc-body h2{font-size:22px;margin-top:38px;margin-bottom:12px;}\n.nk-site .doc-body h2:first-child{margin-top:0;}\n.nk-site .doc-body h3{font-size:17px;margin-top:24px;margin-bottom:10px;font-family:var(--font-body);}\n.nk-site .doc-body p{color:var(--ink-soft);font-size:15.5px;margin-bottom:14px;}\n.nk-site .doc-body p:last-child{margin-bottom:0;}\n.nk-site .doc-body ul,.nk-site .doc-body ol{color:var(--ink-soft);font-size:15.5px;margin:0 0 14px;padding-left:22px;display:flex;flex-direction:column;gap:6px;}\n.nk-site .doc-body strong{color:var(--ink);}\n.nk-site .doc-body a:not(.btn){color:var(--pine);text-decoration:underline;text-decoration-color:var(--line-strong);text-underline-offset:2px;}\n.nk-site .doc-meta{font-family:var(--font-mono);font-size:12px;color:var(--ink-soft);margin-bottom:28px;padding-bottom:20px;border-bottom:1px solid var(--line);}\n.nk-site .doc-toc{position:sticky;top:96px;width:220px;border-left:1px solid var(--line);padding-left:20px;display:flex;flex-direction:column;gap:10px;}\n.nk-site .doc-toc span{font-family:var(--font-mono);font-size:11px;letter-spacing:.07em;text-transform:uppercase;color:var(--brass);font-weight:700;}\n.nk-site .doc-toc a{font-size:13.5px;text-decoration:none;color:var(--ink-soft);}\n.nk-site .doc-toc a:hover{color:var(--pine);}\n@media (max-width:920px){\n  .nk-site .doc{grid-template-columns:1fr;}\n  .nk-site .doc-toc{display:none;}\n}\n\n\/* ---------- FAQ accordion (native <details>) ---------- *\/\n.nk-site .faq-list{display:flex;flex-direction:column;gap:12px;max-width:820px;}\n.nk-site .faq-item{border:1px solid var(--line);border-radius:var(--radius-lg);background:var(--paper-card);overflow:hidden;transition:border-color .2s ease,box-shadow .2s ease;}\n.nk-site .faq-item:hover,.nk-site .faq-item[open]{border-color:var(--line-strong);box-shadow:0 10px 24px -20px rgba(1,61,40,.55);}\n.nk-site .faq-item summary{list-style:none;cursor:pointer;padding:18px 22px;display:flex;justify-content:space-between;align-items:center;gap:16px;font-weight:700;font-size:15.5px;}\n.nk-site .faq-item summary::-webkit-details-marker{display:none;}\n.nk-site .faq-item summary::after{content:\"+\";font-family:var(--font-mono);font-size:20px;color:var(--brass);flex-shrink:0;transition:transform .25s ease;}\n.nk-site .faq-item[open] summary::after{transform:rotate(45deg);}\n.nk-site .faq-item .faq-a{padding:0 22px 20px;color:var(--ink-soft);font-size:14.5px;max-width:68ch;}\n\n\/* ---------- FAQ page: dark centered panel (Shopify-style) ---------- *\/\n.nk-site .page-header.faq-hero{\n  position:relative;\n  overflow:hidden;\n  width:100%;\n  aspect-ratio:1672\/941;\n  min-height:420px;\n  max-height:900px;\n  padding-block:0;\n}\n.nk-site .faq-hero-media{position:absolute;inset:0;z-index:0;}\n.nk-site .faq-hero-media img{width:100%;height:100%;object-fit:cover;object-position:62% 42%;transform:scale(1.25);transform-origin:62% 42%;display:block;}\n.nk-site .faq-hero-media::after{content:\"\";position:absolute;inset:0;background:linear-gradient(180deg, rgba(0,0,0,.72) 0%, rgba(0,0,0,.45) 32%, rgba(0,0,0,.18) 55%, rgba(0,0,0,.32) 100%);}\n.nk-site .faq-hero-content{position:absolute;top:0;left:0;right:0;z-index:1;padding-top:clamp(32px,6vw,64px);display:flex;flex-direction:column;align-items:center;text-align:center;}\n.nk-site .faq-hero-content h1{font-size:clamp(32px,4.4vw,54px);font-weight:800;text-shadow:0 2px 16px rgba(0,0,0,.35);}\n.nk-site .faq-hero-content .breadcrumb{justify-content:center;text-shadow:0 1px 8px rgba(0,0,0,.3);}\n@media (max-width:760px){\n  .nk-site .page-header.faq-hero{height:clamp(360px,90vw,480px);min-height:360px;}\n}\n.nk-site .faq-page-panel{background:#CFEFDA;padding-block:clamp(40px,6vw,72px);width:100%;margin-top:-380px;position:relative;z-index:2;border-radius:56px 56px 0 0;}\n@media (max-width:600px){\n  .nk-site .faq-page-panel{margin-top:-150px;border-radius:32px 32px 0 0;}\n}\n.nk-site .faq-page-panel .section-head{max-width:820px;margin-inline:auto;margin-bottom:20px;}\n.nk-site .faq-page-panel .section-head h2{color:#000;font-size:clamp(21px,2.4vw,26px);}\n.nk-site .faq-page-panel .faq-list{max-width:820px;margin-inline:auto;gap:0;}\n.nk-site .faq-page-panel .faq-item{background:transparent;border:0;border-bottom:1px solid rgba(0,0,0,.16);border-radius:0;box-shadow:none!important;}\n.nk-site .faq-page-panel .faq-item:hover,\n.nk-site .faq-page-panel .faq-item[open]{border-color:rgba(0,0,0,.34);}\n.nk-site .faq-page-panel .faq-item summary{padding:28px 4px;color:#000;font-size:clamp(20px,2.4vw,28px);font-weight:700;}\n.nk-site .faq-page-panel .faq-item summary::after{\n  content:\"+\";display:flex;align-items:center;justify-content:center;\n  width:52px;height:52px;flex-shrink:0;border-radius:50%;background:#000;color:#fff;\n  font-size:28px;font-weight:400;\n}\n.nk-site .faq-page-panel .faq-item .faq-a{padding:0 42px 22px 4px;color:rgba(0,0,0,.65);}\n.nk-site .faq-page-panel .faq-a a{color:#000;}\n.nk-site .faq-page-footnote{margin-top:32px;color:rgba(0,0,0,.65);font-size:14px;}\n.nk-site .faq-page-footnote a{color:#000;}\n\n\/* ---------- homepage FAQ: support card + accordion ---------- *\/\n.nk-site .expert-quote{padding-block:clamp(48px,6vw,72px);background:#FCEFD9;border-bottom:1px solid var(--line);}\n.nk-site .expert-quote-inner{display:flex;gap:32px;align-items:center;max-width:1100px;margin-inline:auto;}\n.nk-site .expert-quote-avatar{flex-shrink:0;width:160px;height:160px;border-radius:50%;display:flex;align-items:center;justify-content:center;}\n.nk-site .expert-quote-avatar img{width:100%;height:100%;border-radius:50%;object-fit:cover;display:block;}\n.nk-site .expert-quote-copy h3{font-size:clamp(22px,3vw,30px);font-weight:800;text-transform:uppercase;letter-spacing:-.02em;color:#013D28;-webkit-text-stroke:.7px currentColor;margin:0 0 14px;}\n.nk-site .expert-quote-copy blockquote{margin:0;position:relative;padding-left:52px;}\n.nk-site .expert-quote-copy blockquote::before{content:\"\\201C\";position:absolute;left:0;top:-22px;font-size:88px;font-weight:800;color:#013D28;line-height:1;font-family:var(--font-display);}\n.nk-site .expert-quote-copy blockquote p{font-size:19px;line-height:1.5;color:#013D28;font-weight:600;margin:0;}\n.nk-site .expert-quote-copy cite{display:block;margin-top:16px;font-style:normal;font-size:14.5px;color:#013D28;}\n.nk-site .expert-quote-copy cite a{color:#013D28;font-weight:800;text-decoration:underline;text-decoration-color:#013D28;text-underline-offset:2px;}\n@media (max-width:600px){\n  .nk-site .expert-quote-inner{flex-direction:column;align-items:center;text-align:center;}\n  .nk-site .expert-quote-copy blockquote{padding-left:0;padding-top:46px;}\n  .nk-site .expert-quote-copy blockquote::before{left:50%;top:0;transform:translateX(-50%);}\n}\n\n.nk-site .faq-section{position:relative;overflow:hidden;background:#CFEFDA;isolation:isolate;padding-block:clamp(56px,7vw,88px);}\n.nk-site .faq-section h2{font-size:clamp(26px,3.6vw,40px);font-weight:800;text-transform:uppercase;letter-spacing:-.025em;color:#013D28;-webkit-text-stroke:.9px currentColor;}\n.nk-site .faq-section .faq-title{text-align:center;}\n.nk-site .faq-section .container{position:relative;z-index:1;}\n.nk-site .faq-columns{display:block;margin-top:40px;}\n.nk-site .faq-list-wrap{max-width:760px;margin:0 auto;}\n.nk-site .faq-list-wrap .faq-list{max-width:none;}\n.nk-site .faq-list-wrap .faq-item{background:transparent;border:0;border-bottom:1px solid rgba(0,0,0,.18);border-radius:0;box-shadow:none!important;}\n.nk-site .faq-list-wrap .faq-item:hover,.nk-site .faq-list-wrap .faq-item[open]{border-color:rgba(0,0,0,.36);}\n.nk-site .faq-list-wrap .faq-item summary{padding:18px 0;color:#000;font-size:18px;font-weight:700;}\n.nk-site .faq-list-wrap .faq-item summary::after{content:\"+\";display:flex;align-items:center;justify-content:center;width:36px;height:36px;flex-shrink:0;border-radius:50%;background:#000;color:#fff;font-size:22px;font-weight:400;}\n.nk-site .faq-list-wrap .faq-item .faq-a{padding:0 50px 18px 0;color:rgba(0,0,0,.68);font-size:14.5px;}\n.nk-site .faq-list-wrap .btn{margin-top:20px;}\n\n\/* ---------- team \/ staff cards ---------- *\/\n.nk-site .team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}\n.nk-site .team-card{border:1px solid var(--line);border-radius:var(--radius-lg);padding:22px;background:var(--paper-card);}\n.nk-site .team-card .avatar{width:44px;height:44px;border-radius:50%;background:var(--pine);color:#EAF6F8;font-family:var(--font-display);font-weight:700;display:flex;align-items:center;justify-content:center;margin-bottom:14px;}\n.nk-site .team-card h3{font-size:16.5px;margin-bottom:2px;}\n.nk-site .team-card .role{font-family:var(--font-mono);font-size:11.5px;color:var(--brass);text-transform:uppercase;letter-spacing:.05em;margin-bottom:10px;display:block;}\n.nk-site .team-card p{font-size:13.5px;color:var(--ink-soft);}\n\n\/* ---------- open roles \/ press list ---------- *\/\n.nk-site .list-rows{display:flex;flex-direction:column;border-top:1px solid var(--line);max-width:820px;}\n.nk-site .list-row{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px 0;border-bottom:1px solid var(--line);}\n.nk-site .list-row .t{font-weight:700;font-size:15px;}\n.nk-site .list-row .m{font-family:var(--font-mono);font-size:12px;color:var(--ink-soft);white-space:nowrap;}\n\n\/* ---------- sitemap ---------- *\/\n.nk-site .sitemap-columns{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;}\n.nk-site .sitemap-columns h5{font-family:var(--font-mono);font-size:11.5px;letter-spacing:.07em;text-transform:uppercase;color:var(--brass);margin:0 0 14px;font-weight:700;}\n.nk-site .sitemap-columns ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px;}\n.nk-site .sitemap-columns a{text-decoration:none;font-size:14px;color:var(--ink-soft);}\n.nk-site .sitemap-columns a:hover{color:var(--pine);text-decoration:underline;}\n\n\/* ---------- compact stat \/ badge row (about, security) ---------- *\/\n.nk-site .stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}\n.nk-site .stat-card{border:1px solid var(--line);border-radius:var(--radius-lg);padding:24px;background:var(--paper-card);text-align:left;}\n.nk-site .stat-card .num{font-family:var(--font-mono);font-size:30px;font-weight:700;color:var(--pine);display:block;}\n.nk-site .stat-card .lbl{font-size:13px;color:var(--ink-soft);margin-top:6px;display:block;}\n\n@media (max-width:920px){\n  .nk-site .team-grid{grid-template-columns:1fr 1fr;}\n  .nk-site .sitemap-columns{grid-template-columns:1fr 1fr;}\n  .nk-site .stat-row{grid-template-columns:1fr;}\n}\n@media (max-width:560px){\n  .nk-site .team-grid{grid-template-columns:1fr;}\n  .nk-site .sitemap-columns{grid-template-columns:1fr;}\n  .nk-site .list-row{flex-direction:column;align-items:flex-start;gap:4px;}\n}\n\n.nk-site .hero-photo{background:transparent!important;}\n.nk-site .hero-photo-media::after{content:none!important;display:none!important;background:none!important;}\n\n@media (max-width:920px){\n  .nk-site .hero-photo{margin-top:67px!important;}\n}\n@media (min-width:921px) and (max-width:1199px){\n  .nk-site .hero-photo{margin-top:58px!important;}\n}\n\n.nk-site [data-reveal]{opacity:1!important;transform:none!important;filter:none!important;}\n.nk-site .lang-toggle-menu a.lang-mk{display:none;}\nhtml.mk .nk-site .lang-toggle-menu a.lang-en{display:none;}\nhtml.mk .nk-site .lang-toggle-menu a.lang-mk{display:flex;}\n\n.elementor-container{max-width:none!important;}\n.elementor-column>.elementor-element-populated{padding:0!important;}\n\n<\/style>\n<div class=\"nk-site\">\n  <section class=\"hero-photo\">\n    <div class=\"hero-photo-media\">\n      <picture>\n        <source media=\"(max-width:760px)\" srcset=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/hero-home-mobile-people-600.avif\">\n        <img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/hero-home-v3-desktop.avif\" alt=\"Smart money decisions start with NajdiKredit. Two friends laughing together outdoors, ready to find their loan match.\" width=\"1536\" height=\"1024\" loading=\"eager\" fetchpriority=\"high\">\n      <\/picture>\n    <\/div>\n    <div class=\"hero-photo-content\">\n      <div class=\"container\">\n        <div class=\"inner\">\n          <h1>\n            <span class=\"lang-en\">Finding a lender shouldn\u2019t be complicated.<\/span>\n            <span class=\"lang-mk\">\u041d\u0430\u043e\u0453\u0430\u045a\u0435\u0442\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440 \u043d\u0435 \u0442\u0440\u0435\u0431\u0430 \u0434\u0430 \u0431\u0438\u0434\u0435 \u043a\u043e\u043c\u043f\u043b\u0438\u0446\u0438\u0440\u0430\u043d\u043e.<\/span>\n          <\/h1>\n          <p class=\"hero-sub\">\n            <span class=\"lang-en\">Tell us what you\u2019re looking for and leave your contact details. Our team reviews licensed lenders and connects you with one that may fit \u2014 free and with no obligation.<\/span>\n            <span class=\"lang-mk\">\u041a\u0430\u0436\u0438 \u043d\u0438 \u0448\u0442\u043e \u0431\u0430\u0440\u0430\u0448 \u0438 \u043e\u0441\u0442\u0430\u0432\u0438 \u043a\u043e\u043d\u0442\u0430\u043a\u0442 \u043f\u043e\u0434\u0430\u0442\u043e\u0446\u0438. \u041d\u0430\u0448\u0438\u043e\u0442 \u0442\u0438\u043c \u0433\u0438 \u0440\u0430\u0437\u0433\u043b\u0435\u0434\u0443\u0432\u0430 \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d\u0438\u0442\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u0438 \u0438 \u0442\u0435 \u043f\u043e\u0432\u0440\u0437\u0443\u0432\u0430 \u0441\u043e \u043e\u043d\u043e\u0458 \u0448\u0442\u043e \u043c\u043e\u0436\u0435 \u0434\u0430 \u0442\u0438 \u043e\u0434\u0433\u043e\u0432\u0430\u0440\u0430 \u2014 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e \u0438 \u0431\u0435\u0437 \u043e\u0431\u0432\u0440\u0441\u043a\u0430.<\/span>\n          <\/p>\n          <div class=\"hero-actions\">\n            <a href=\"\/apply\/\" class=\"btn btn-brass btn-lg\">\n              <span class=\"lang-en\">Get matched now<\/span><span class=\"lang-mk\">\u041f\u043e\u0432\u0440\u0437\u0438 \u0441\u0435 \u0441\u0435\u0433\u0430<\/span>\n            <\/a>\n            <a href=\"\/how-it-works\/\" class=\"btn btn-ghost btn-lg\">\n              <span class=\"lang-en\">How it works<\/span><span class=\"lang-mk\">\u041a\u0430\u043a\u043e \u0444\u0443\u043d\u043a\u0446\u0438\u043e\u043d\u0438\u0440\u0430<\/span>\n            <\/a>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <section class=\"teaser-section\" id=\"why\">\n    <div class=\"container\">\n      <div class=\"why-visual\" data-reveal>\n        <img loading=\"lazy\" decoding=\"async\" class=\"why-butterfly is--left\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/why-butterfly.png\" alt=\"\" aria-hidden=\"true\" width=\"164\" height=\"126\" loading=\"lazy\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"why-butterfly is--right\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/why-butterfly.png\" alt=\"\" aria-hidden=\"true\" width=\"164\" height=\"126\" loading=\"lazy\">\n        <div class=\"why-phone-frame\">\n          <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/why-phone-mockup-1.png\" alt=\"\" width=\"871\" height=\"986\" loading=\"lazy\">\n        <\/div>\n      <\/div>\n      <div class=\"section-head\" data-reveal=\"blur\">\n        <h2><span class=\"lang-en\">Why apply through NajdiKredit?<\/span><span class=\"lang-mk\">\u0417\u043e\u0448\u0442\u043e \u0434\u0430 \u0430\u043f\u043b\u0438\u0446\u0438\u0440\u0430\u0448 \u043f\u0440\u0435\u043a\u0443 NajdiKredit?<\/span><\/h2>\n        <p><span class=\"lang-en\">One request, matched with licensed lenders \u2014 free and with no obligation.<\/span><span class=\"lang-mk\">\u0415\u0434\u043d\u043e \u0431\u0430\u0440\u0430\u045a\u0435, \u043f\u043e\u0432\u0440\u0437\u0443\u0432\u0430\u045a\u0435 \u0441\u043e \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u0438 \u2014 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e \u0438 \u0431\u0435\u0437 \u043e\u0431\u0432\u0440\u0441\u043a\u0430.<\/span><\/p>\n      <\/div>\n      <div class=\"why-cta\">\n        <a href=\"\/apply\/\" class=\"btn btn-brass btn-lg\">\n          <span class=\"lang-en\">Get matched now<\/span><span class=\"lang-mk\">\u041f\u043e\u0432\u0440\u0437\u0438 \u0441\u0435 \u0441\u0435\u0433\u0430<\/span>\n        <\/a>\n      <\/div>\n      <div class=\"teaser-cards\">\n        <div class=\"teaser-card\">\n          <span class=\"teaser-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"m21 21-4.34-4.34\"><\/path><circle cx=\"11\" cy=\"11\" r=\"8\"><\/circle><\/svg><\/span>\n          <span class=\"teaser-title\"><span class=\"lang-en\">See if you qualify<\/span><span class=\"lang-mk\">\u041f\u0440\u043e\u0432\u0435\u0440\u0438 \u0434\u0430\u043b\u0438 \u0441\u0435 \u043a\u0432\u0430\u043b\u0438\u0444\u0438\u043a\u0443\u0432\u0430\u0448<\/span><\/span>\n          <p class=\"teaser-copy\"><span class=\"lang-en\">Tell us what you need and see which licensed partners could match you \u2014 free and with no obligation.<\/span><span class=\"lang-mk\">\u041a\u0430\u0436\u0438 \u043d\u0438 \u0448\u0442\u043e \u0442\u0438 \u0442\u0440\u0435\u0431\u0430 \u0438 \u0432\u0438\u0434\u0438 \u043a\u043e\u0438 \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d\u0438 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0438 \u043c\u043e\u0436\u0430\u0442 \u0434\u0430 \u0442\u0435 \u043f\u043e\u0432\u0440\u0437\u0430\u0442 \u2014 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e \u0438 \u0431\u0435\u0437 \u043e\u0431\u0432\u0440\u0441\u043a\u0430.<\/span><\/p>\n        <\/div>\n        <div class=\"teaser-card\">\n          <span class=\"teaser-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M11 17h3v2a1 1 0 0 0 1 1h2a1 1 0 0 0 1-1v-3a3.16 3.16 0 0 0 2-2h1a1 1 0 0 0 1-1v-2a1 1 0 0 0-1-1h-1a5 5 0 0 0-2-4V3a4 4 0 0 0-3.2 1.6l-.3.4H11a6 6 0 0 0-6 6v1a5 5 0 0 0 2 4v3a1 1 0 0 0 1 1h2a1 1 0 0 0 1-1z\"><\/path><path d=\"M16 10h.01\"><\/path><path d=\"M2 8v1a2 2 0 0 0 2 2h1\"><\/path><\/svg><\/span>\n          <span class=\"teaser-title\"><span class=\"lang-en\">Matched to what fits you<\/span><span class=\"lang-mk\">\u0421\u043e\u0432\u043f\u0430\u0453\u0430\u045a\u0435 \u0448\u0442\u043e \u0442\u0438 \u043e\u0434\u0433\u043e\u0432\u0430\u0440\u0430<\/span><\/span>\n          <p class=\"teaser-copy\"><span class=\"lang-en\">We match your request to loan options suited to your specific needs.<\/span><span class=\"lang-mk\">\u0422\u0432\u043e\u0435\u0442\u043e \u0431\u0430\u0440\u0430\u045a\u0435 \u0433\u043e \u0441\u043e\u0432\u043f\u0430\u0453\u0430\u043c\u0435 \u0441\u043e \u043e\u043f\u0446\u0438\u0438 \u0437\u0430 \u043a\u0440\u0435\u0434\u0438\u0442 \u0441\u043e\u043e\u0434\u0432\u0435\u0442\u043d\u0438 \u0437\u0430 \u0442\u0432\u043e\u0438\u0442\u0435 \u043f\u043e\u0442\u0440\u0435\u0431\u0438.<\/span><\/p>\n        <\/div>\n        <div class=\"teaser-card\">\n          <span class=\"teaser-icon\"><svg viewBox=\"0 0 24 24\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M11.525 2.295a.53.53 0 0 1 .95 0l2.31 4.679a2.123 2.123 0 0 0 1.595 1.16l5.166.756a.53.53 0 0 1 .294.904l-3.736 3.638a2.123 2.123 0 0 0-.611 1.878l.882 5.14a.53.53 0 0 1-.771.56l-4.618-2.428a2.122 2.122 0 0 0-1.973 0L6.396 21.01a.53.53 0 0 1-.77-.56l.881-5.139a2.122 2.122 0 0 0-.611-1.879L2.16 9.795a.53.53 0 0 1 .294-.906l5.165-.755a2.122 2.122 0 0 0 1.597-1.16z\"><\/path><\/svg><\/span>\n          <span class=\"teaser-title\"><span class=\"lang-en\">Only licensed partners<\/span><span class=\"lang-mk\">\u0421\u0430\u043c\u043e \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d\u0438 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0438<\/span><\/span>\n          <p class=\"teaser-copy\"><span class=\"lang-en\">We only work with partners that hold a valid license to operate in North Macedonia.<\/span><span class=\"lang-mk\">\u0420\u0430\u0431\u043e\u0442\u0438\u043c\u0435 \u0441\u0430\u043c\u043e \u0441\u043e \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0438 \u0441\u043e \u0432\u0430\u0436\u0435\u0447\u043a\u0430 \u0434\u043e\u0437\u0432\u043e\u043b\u0430 \u0437\u0430 \u0440\u0430\u0431\u043e\u0442\u0430 \u0432\u043e \u0421\u0435\u0432\u0435\u0440\u043d\u0430 \u041c\u0430\u043a\u0435\u0434\u043e\u043d\u0438\u0458\u0430.<\/span><\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <section class=\"section-alt\" id=\"how\">\n    <div class=\"container\">\n      <div class=\"section-head\">\n        <h2><span class=\"lang-en\">How it works<\/span><span class=\"lang-mk\">\u041a\u0430\u043a\u043e \u0444\u0443\u043d\u043a\u0446\u0438\u043e\u043d\u0438\u0440\u0430<\/span><\/h2>\n        <p><span class=\"lang-en\">Three steps, no legwork for you.<\/span><span class=\"lang-mk\">\u0422\u0440\u0438 \u0447\u0435\u043a\u043e\u0440\u0438, \u0431\u0435\u0437 \u043d\u0430\u043f\u043e\u0440 \u0437\u0430 \u0442\u0435\u0431\u0435.<\/span><\/p>\n      <\/div>\n      <div class=\"how-cards\">\n        <div class=\"how-card\">\n          <span class=\"how-eyebrow\"><span class=\"lang-en\">Step 1<\/span><span class=\"lang-mk\">\u0427\u0435\u043a\u043e\u0440 1<\/span><\/span>\n          <h3><span class=\"lang-en\">Tell us what you need<\/span><span class=\"lang-mk\">\u041a\u0430\u0436\u0438 \u043d\u0438 \u0448\u0442\u043e \u0442\u0438 \u0442\u0440\u0435\u0431\u0430<\/span><\/h3>\n          <p><span class=\"lang-en\">Share a few details about the loan you're looking for.<\/span><span class=\"lang-mk\">\u0421\u043f\u043e\u0434\u0435\u043b\u0438 \u043d\u0435\u043a\u043e\u043b\u043a\u0443 \u0434\u0435\u0442\u0430\u043b\u0438 \u0437\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0442 \u0448\u0442\u043e \u0433\u043e \u0431\u0430\u0440\u0430\u0448.<\/span><\/p>\n          <p><span class=\"lang-en\">Just tell us the amount and a few contact details \u2014 it takes about a minute, no documents required upfront.<\/span><span class=\"lang-mk\">\u0421\u0430\u043c\u043e \u043a\u0430\u0436\u0438 \u043d\u0438 \u0433\u043e \u0438\u0437\u043d\u043e\u0441\u043e\u0442 \u0438 \u043d\u0435\u043a\u043e\u043b\u043a\u0443 \u043a\u043e\u043d\u0442\u0430\u043a\u0442 \u043f\u043e\u0434\u0430\u0442\u043e\u0446\u0438 \u2014 \u0442\u0440\u0430\u0435 \u043e\u043a\u043e\u043b\u0443 \u0435\u0434\u043d\u0430 \u043c\u0438\u043d\u0443\u0442\u0430, \u0431\u0435\u0437 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u0438 \u043e\u0434\u043d\u0430\u043f\u0440\u0435\u0434.<\/span><\/p>\n        <\/div>\n        <div class=\"how-card\">\n          <span class=\"how-eyebrow\"><span class=\"lang-en\">Step 2<\/span><span class=\"lang-mk\">\u0427\u0435\u043a\u043e\u0440 2<\/span><\/span>\n          <h3><span class=\"lang-en\">We review licensed partners for you<\/span><span class=\"lang-mk\">\u041d\u0438\u0435 \u0433\u0438 \u0440\u0430\u0437\u0433\u043b\u0435\u0434\u0443\u0432\u0430\u043c\u0435 \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d\u0438\u0442\u0435 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0438 \u0437\u0430 \u0442\u0435\u0431\u0435<\/span><\/h3>\n          <p><span class=\"lang-en\">Our team checks licensed lenders on your behalf \u2014 no comparing dozens of offers yourself.<\/span><span class=\"lang-mk\">\u041d\u0430\u0448\u0438\u043e\u0442 \u0442\u0438\u043c \u0433\u0438 \u043f\u0440\u043e\u0432\u0435\u0440\u0443\u0432\u0430 \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d\u0438\u0442\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u0438 \u0432\u043e \u0442\u0432\u043e\u0435 \u0438\u043c\u0435 \u2014 \u043d\u0435 \u043c\u043e\u0440\u0430\u0448 \u0441\u0430\u043c \u0434\u0430 \u0441\u043f\u043e\u0440\u0435\u0434\u0443\u0432\u0430\u0448 \u043f\u043e\u043d\u0443\u0434\u0438.<\/span><\/p>\n          <p><span class=\"lang-en\">We only work with partners that hold a valid license to operate in North Macedonia, so you're never matched with someone we haven't checked. This step happens behind the scenes \u2014 there's nothing for you to do while we look.<\/span><span class=\"lang-mk\">\u0420\u0430\u0431\u043e\u0442\u0438\u043c\u0435 \u0441\u0430\u043c\u043e \u0441\u043e \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0438 \u0441\u043e \u0432\u0430\u0436\u0435\u0447\u043a\u0430 \u0434\u043e\u0437\u0432\u043e\u043b\u0430 \u0437\u0430 \u0440\u0430\u0431\u043e\u0442\u0430 \u0432\u043e \u0421\u0435\u0432\u0435\u0440\u043d\u0430 \u041c\u0430\u043a\u0435\u0434\u043e\u043d\u0438\u0458\u0430, \u0442\u0430\u043a\u0430 \u0448\u0442\u043e \u043d\u0438\u043a\u043e\u0433\u0430\u0448 \u043d\u0435\u043c\u0430 \u0434\u0430 \u0431\u0438\u0434\u0435\u0448 \u043f\u043e\u0432\u0440\u0437\u0430\u043d \u0441\u043e \u043d\u0435\u043a\u043e\u0458 \u043a\u043e\u0433\u043e \u043d\u0435 \u0441\u043c\u0435 \u0433\u043e \u043f\u0440\u043e\u0432\u0435\u0440\u0438\u043b\u0435. \u041e\u0432\u043e\u0458 \u0447\u0435\u043a\u043e\u0440 \u0441\u0435 \u0441\u043b\u0443\u0447\u0443\u0432\u0430 \u0437\u0430\u0434 \u043a\u0443\u043b\u0438\u0441\u0438\u0442\u0435 \u2014 \u043d\u0435 \u0442\u0440\u0435\u0431\u0430 \u043d\u0438\u0448\u0442\u043e \u0434\u0430 \u043f\u0440\u0430\u0432\u0438\u0448 \u0434\u043e\u0434\u0435\u043a\u0430 \u0431\u0430\u0440\u0430\u043c\u0435.<\/span><\/p>\n        <\/div>\n        <div class=\"how-card\">\n          <span class=\"how-eyebrow\"><span class=\"lang-en\">Step 3<\/span><span class=\"lang-mk\">\u0427\u0435\u043a\u043e\u0440 3<\/span><\/span>\n          <h3><span class=\"lang-en\">You get contacted with a match<\/span><span class=\"lang-mk\">\u0414\u043e\u0431\u0438\u0432\u0430\u0448 \u043f\u043e\u0432\u0438\u043a \u043e\u0434 \u043f\u0430\u0440\u0442\u043d\u0435\u0440<\/span><\/h3>\n          <p><span class=\"lang-en\">We reach out with the licensed partner that fits, free and with no obligation.<\/span><span class=\"lang-mk\">\u0422\u0435 \u043a\u043e\u043d\u0442\u0430\u043a\u0442\u0438\u0440\u0430\u043c\u0435 \u0441\u043e \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d\u0438\u043e\u0442 \u043f\u0430\u0440\u0442\u043d\u0435\u0440 \u0448\u0442\u043e \u043e\u0434\u0433\u043e\u0432\u0430\u0440\u0430, \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e \u0438 \u0431\u0435\u0437 \u043e\u0431\u0432\u0440\u0441\u043a\u0430.<\/span><\/p>\n          <p><span class=\"lang-en\">If there's a good fit, the partner reaches out directly with their own offer and next steps. If nothing matches right now, we'll let you know instead of leaving you waiting.<\/span><span class=\"lang-mk\">\u0410\u043a\u043e \u0438\u043c\u0430 \u0434\u043e\u0431\u0440\u043e \u0441\u043e\u0432\u043f\u0430\u0453\u0430\u045a\u0435, \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u043e\u0442 \u0442\u0435 \u043a\u043e\u043d\u0442\u0430\u043a\u0442\u0438\u0440\u0430 \u0434\u0438\u0440\u0435\u043a\u0442\u043d\u043e \u0441\u043e \u0441\u043e\u043f\u0441\u0442\u0432\u0435\u043d\u0430 \u043f\u043e\u043d\u0443\u0434\u0430 \u0438 \u0441\u043b\u0435\u0434\u043d\u0438 \u0447\u0435\u043a\u043e\u0440\u0438. \u0410\u043a\u043e \u043c\u043e\u043c\u0435\u043d\u0442\u0430\u043b\u043d\u043e \u043d\u0435\u043c\u0430 \u0441\u043e\u0432\u043f\u0430\u0453\u0430\u045a\u0435, \u045c\u0435 \u0442\u0435 \u0438\u0437\u0432\u0435\u0441\u0442\u0438\u043c\u0435 \u043d\u0430\u043c\u0435\u0441\u0442\u043e \u0434\u0430 \u0442\u0435 \u043e\u0441\u0442\u0430\u0432\u0438\u043c\u0435 \u0434\u0430 \u0447\u0435\u043a\u0430\u0448.<\/span><\/p>\n        <\/div>\n      <\/div>\n      <div class=\"how-dots\" aria-hidden=\"true\">\n        <span class=\"how-dot is-active\"><\/span>\n        <span class=\"how-dot\"><\/span>\n        <span class=\"how-dot\"><\/span>\n      <\/div>\n      <a href=\"\/apply\/\" class=\"btn btn-brass\" style=\"margin-top:32px;\">\n        <span class=\"lang-en\">Get matched now<\/span><span class=\"lang-mk\">\u041f\u043e\u0432\u0440\u0437\u0438 \u0441\u0435 \u0441\u0435\u0433\u0430<\/span>\n      <\/a>\n    <\/div>\n  <\/section>\n\n  <section class=\"product-block\" id=\"what-is-a-loan\">\n    <div class=\"container product-block-grid\">\n      <div class=\"product-block-media\">\n        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/offer-loans.avif\" alt=\"Woman relaxing at home with a cup of coffee\" width=\"700\" height=\"525\" loading=\"lazy\">\n      <\/div>\n      <div class=\"product-block-content\">\n        <h2><span class=\"lang-en\">What is a loan?<\/span><span class=\"lang-mk\">\u0428\u0442\u043e \u0435 \u043a\u0440\u0435\u0434\u0438\u0442?<\/span><\/h2>\n        <div class=\"product-block-body\">\n          <p><span class=\"lang-en\">A loan lets you borrow a fixed amount of money and pay it back over an agreed period, usually in monthly instalments, plus interest.<\/span><span class=\"lang-mk\">\u041a\u0440\u0435\u0434\u0438\u0442\u043e\u0442 \u0442\u0438 \u043e\u0432\u043e\u0437\u043c\u043e\u0436\u0443\u0432\u0430 \u0434\u0430 \u043f\u043e\u0437\u0430\u0458\u043c\u0438\u0448 \u0444\u0438\u043a\u0441\u0435\u043d \u0438\u0437\u043d\u043e\u0441 \u043f\u0430\u0440\u0438 \u0438 \u0434\u0430 \u0433\u043e \u0432\u0440\u0430\u0442\u0438\u0448 \u0432\u043e \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0435\u043d \u043f\u0435\u0440\u0438\u043e\u0434, \u043e\u0431\u0438\u0447\u043d\u043e \u0432\u043e \u043c\u0435\u0441\u0435\u0447\u043d\u0438 \u0440\u0430\u0442\u0438, \u043f\u043b\u0443\u0441 \u043a\u0430\u043c\u0430\u0442\u0430.<\/span><\/p>\n          <p><span class=\"lang-en\">People commonly use a loan for things like:<\/span><span class=\"lang-mk\">\u041b\u0443\u0453\u0435\u0442\u043e \u043e\u0431\u0438\u0447\u043d\u043e \u043a\u043e\u0440\u0438\u0441\u0442\u0430\u0442 \u043a\u0440\u0435\u0434\u0438\u0442 \u0437\u0430 \u0440\u0430\u0431\u043e\u0442\u0438 \u043a\u0430\u043a\u043e:<\/span><\/p>\n          <ul class=\"product-block-list\">\n            <li><span class=\"lang-en\">Buying a car<\/span><span class=\"lang-mk\">\u041a\u0443\u043f\u0443\u0432\u0430\u045a\u0435 \u0430\u0432\u0442\u043e\u043c\u043e\u0431\u0438\u043b<\/span><\/li>\n            <li><span class=\"lang-en\">Home renovations<\/span><span class=\"lang-mk\">\u0420\u0435\u043d\u043e\u0432\u0438\u0440\u0430\u045a\u0435 \u043d\u0430 \u0434\u043e\u043c\u043e\u0442<\/span><\/li>\n            <li><span class=\"lang-en\">Consolidating debt<\/span><span class=\"lang-mk\">\u041a\u043e\u043d\u0441\u043e\u043b\u0438\u0434\u0438\u0440\u0430\u045a\u0435 \u043d\u0430 \u0434\u043e\u043b\u0433\u043e\u0432\u0438<\/span><\/li>\n            <li><span class=\"lang-en\">Covering unexpected expenses<\/span><span class=\"lang-mk\">\u041f\u043e\u043a\u0440\u0438\u0432\u0430\u045a\u0435 \u043d\u0435\u043e\u0447\u0435\u043a\u0443\u0432\u0430\u043d\u0438 \u0442\u0440\u043e\u0448\u043e\u0446\u0438<\/span><\/li>\n          <\/ul>\n          <p><span class=\"lang-en\">The amount you can borrow, the interest rate, and the repayment term depend on factors like your income and the lender's assessment of your application. Don't have a guarantor available? See <a href=\"\/en\/loan-without-guarantor\/\">how a loan without a guarantor works<\/a>.<\/span><span class=\"lang-mk\">\u0418\u0437\u043d\u043e\u0441\u043e\u0442 \u0448\u0442\u043e \u043c\u043e\u0436\u0435\u0448 \u0434\u0430 \u0433\u043e \u043f\u043e\u0437\u0430\u0458\u043c\u0438\u0448, \u043a\u0430\u043c\u0430\u0442\u043d\u0430\u0442\u0430 \u0441\u0442\u0430\u043f\u043a\u0430 \u0438 \u0440\u043e\u043a\u043e\u0442 \u043d\u0430 \u043e\u0442\u043f\u043b\u0430\u0442\u0430 \u0437\u0430\u0432\u0438\u0441\u0430\u0442 \u043e\u0434 \u0444\u0430\u043a\u0442\u043e\u0440\u0438 \u043a\u0430\u043a\u043e \u0442\u0432\u043e\u0438\u0442\u0435 \u043f\u0440\u0438\u0445\u043e\u0434\u0438 \u0438 \u043f\u0440\u043e\u0446\u0435\u043d\u043a\u0430\u0442\u0430 \u043d\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u043e\u0442 \u0437\u0430 \u0442\u0432\u043e\u0435\u0442\u043e \u0431\u0430\u0440\u0430\u045a\u0435. \u041d\u0435\u043c\u0430\u0448 \u0434\u043e\u0441\u0442\u0430\u043f\u0435\u043d \u0433\u0430\u0440\u0430\u043d\u0442? \u041f\u043e\u0433\u043b\u0435\u0434\u043d\u0438 <a href=\"\/mk\/kredit-bez-garanti\/\">\u043a\u0430\u043a\u043e \u0444\u0443\u043d\u043a\u0446\u0438\u043e\u043d\u0438\u0440\u0430 \u043a\u0440\u0435\u0434\u0438\u0442 \u0431\u0435\u0437 \u0433\u0430\u0440\u0430\u043d\u0442<\/a>.<\/span><\/p>\n          <p><span class=\"lang-en\">Tell us what you need and our team will <a href=\"\/how-it-works\/\">match you with a licensed lender<\/a> that fits \u2014 you don't have to compare offers yourself.<\/span><span class=\"lang-mk\">\u041a\u0430\u0436\u0438 \u043d\u0438 \u0448\u0442\u043e \u0442\u0438 \u0442\u0440\u0435\u0431\u0430 \u0438 \u043d\u0430\u0448\u0438\u043e\u0442 \u0442\u0438\u043c \u045c\u0435 \u0442\u0435 <a href=\"\/how-it-works\/\">\u043f\u043e\u0432\u0440\u0437\u0435 \u0441\u043e \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440<\/a> \u0448\u0442\u043e \u043e\u0434\u0433\u043e\u0432\u0430\u0440\u0430 \u2014 \u043d\u0435 \u043c\u043e\u0440\u0430\u0448 \u0441\u0430\u043c \u0434\u0430 \u0441\u043f\u043e\u0440\u0435\u0434\u0443\u0432\u0430\u0448 \u043f\u043e\u043d\u0443\u0434\u0438.<\/span><\/p>\n          <a href=\"\/apply\/\" class=\"btn btn-brass\" style=\"margin-top:8px;\"><span class=\"lang-en\">Get matched now<\/span><span class=\"lang-mk\">\u041f\u043e\u0432\u0440\u0437\u0438 \u0441\u0435 \u0441\u0435\u0433\u0430<\/span><\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!--\n<section class=\"product-block product-block--reverse\" id=\"what-is-a-transfer\">\n    <div class=\"container product-block-grid\">\n      <div class=\"product-block-media\">\n        <img loading=\"lazy\" decoding=\"async\" src=\"\/wp-content\/uploads\/assets\/images\/offer-transfer.avif?v=1787664916\" alt=\"Woman sending a payment from her phone and laptop\" width=\"700\" height=\"525\" loading=\"lazy\">\n      <\/div>\n      <div class=\"product-block-content\">\n        <h2><span class=\"lang-en\">What is a money transfer?<\/span><span class=\"lang-mk\">\u0428\u0442\u043e \u0435 \u0442\u0440\u0430\u043d\u0441\u0444\u0435\u0440 \u043d\u0430 \u043f\u0430\u0440\u0438?<\/span><\/h2>\n        <div class=\"product-block-body\">\n          <p><span class=\"lang-en\">A money transfer service lets you send funds to someone else \u2014 family abroad, a payment to a business, or moving money between your own accounts.<\/span><span class=\"lang-mk\">\u0423\u0441\u043b\u0443\u0433\u0430\u0442\u0430 \u0437\u0430 \u0442\u0440\u0430\u043d\u0441\u0444\u0435\u0440 \u043d\u0430 \u043f\u0430\u0440\u0438 \u0442\u0438 \u043e\u0432\u043e\u0437\u043c\u043e\u0436\u0443\u0432\u0430 \u0434\u0430 \u0438\u0441\u043f\u0440\u0430\u0442\u0438\u0448 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u0434\u043e \u043d\u0435\u043a\u043e\u0458 \u0434\u0440\u0443\u0433 \u2014 \u0441\u0435\u043c\u0435\u0458\u0441\u0442\u0432\u043e \u0432\u043e \u0441\u0442\u0440\u0430\u043d\u0441\u0442\u0432\u043e, \u043f\u043b\u0430\u045c\u0430\u045a\u0435 \u043a\u043e\u043d \u0431\u0438\u0437\u043d\u0438\u0441, \u0438\u043b\u0438 \u043f\u0440\u0435\u0444\u0440\u043b\u0430\u045a\u0435 \u043f\u0430\u0440\u0438 \u043c\u0435\u0453\u0443 \u0442\u0432\u043e\u0438 \u0441\u043c\u0435\u0442\u043a\u0438.<\/span><\/p>\n          <p><span class=\"lang-en\">Common reasons people use a transfer service:<\/span><span class=\"lang-mk\">\u0427\u0435\u0441\u0442\u0438 \u043f\u0440\u0438\u0447\u0438\u043d\u0438 \u043b\u0443\u0453\u0435\u0442\u043e \u0434\u0430 \u043a\u043e\u0440\u0438\u0441\u0442\u0430\u0442 \u0443\u0441\u043b\u0443\u0433\u0430 \u0437\u0430 \u0442\u0440\u0430\u043d\u0441\u0444\u0435\u0440:<\/span><\/p>\n          <ul class=\"product-block-list\">\n            <li><span class=\"lang-en\">Sending money to family abroad<\/span><span class=\"lang-mk\">\u0418\u0441\u043f\u0440\u0430\u045c\u0430\u045a\u0435 \u043f\u0430\u0440\u0438 \u043d\u0430 \u0441\u0435\u043c\u0435\u0458\u0441\u0442\u0432\u043e \u0432\u043e \u0441\u0442\u0440\u0430\u043d\u0441\u0442\u0432\u043e<\/span><\/li>\n            <li><span class=\"lang-en\">Paying for goods or services overseas<\/span><span class=\"lang-mk\">\u041f\u043b\u0430\u045c\u0430\u045a\u0435 \u0437\u0430 \u0441\u0442\u043e\u043a\u0438 \u0438\u043b\u0438 \u0443\u0441\u043b\u0443\u0433\u0438 \u0432\u043e \u0441\u0442\u0440\u0430\u043d\u0441\u0442\u0432\u043e<\/span><\/li>\n            <li><span class=\"lang-en\">Receiving funds from another country<\/span><span class=\"lang-mk\">\u041f\u0440\u0438\u043c\u0430\u045a\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u043e\u0434 \u0434\u0440\u0443\u0433\u0430 \u0437\u0435\u043c\u0458\u0430<\/span><\/li>\n            <li><span class=\"lang-en\">Moving savings between accounts<\/span><span class=\"lang-mk\">\u041f\u0440\u0435\u0444\u0440\u043b\u0430\u045a\u0435 \u0437\u0430\u0448\u0442\u0435\u0434\u0438 \u043c\u0435\u0453\u0443 \u0441\u043c\u0435\u0442\u043a\u0438<\/span><\/li>\n          <\/ul>\n          <p><span class=\"lang-en\">Fees, exchange rates, and delivery times vary between providers, so it's worth having your request checked before you send. See <a href=\"\/en\/cash-in-hand-loan\/\">how payout actually works<\/a> once a request is approved.<\/span><span class=\"lang-mk\">\u041f\u0440\u043e\u0432\u0438\u0437\u0438\u0438\u0442\u0435, \u0434\u0435\u0432\u0438\u0437\u043d\u0438\u0442\u0435 \u043a\u0443\u0440\u0441\u0435\u0432\u0438 \u0438 \u0432\u0440\u0435\u043c\u0435\u0442\u043e \u043d\u0430 \u0434\u043e\u0441\u0442\u0430\u0432\u0430 \u0432\u0430\u0440\u0438\u0440\u0430\u0430\u0442 \u043c\u0435\u0453\u0443 \u0434\u0430\u0432\u0430\u0442\u0435\u043b\u0438\u0442\u0435, \u0437\u0430\u0442\u043e\u0430 \u0432\u0440\u0435\u0434\u0438 \u0431\u0430\u0440\u0430\u045a\u0435\u0442\u043e \u0434\u0430 \u0431\u0438\u0434\u0435 \u043f\u0440\u043e\u0432\u0435\u0440\u0435\u043d\u043e \u043f\u0440\u0435\u0434 \u0434\u0430 \u0438\u0441\u043f\u0440\u0430\u0442\u0438\u0448. \u041f\u043e\u0433\u043b\u0435\u0434\u043d\u0438 <a href=\"\/mk\/pari-na-raka\/\">\u043a\u0430\u043a\u043e \u0444\u0443\u043d\u043a\u0446\u0438\u043e\u043d\u0438\u0440\u0430 \u0438\u0441\u043f\u043b\u0430\u0442\u0430\u0442\u0430<\/a> \u043e\u0442\u043a\u0430\u043a\u043e \u0431\u0430\u0440\u0430\u045a\u0435\u0442\u043e \u045c\u0435 \u0431\u0438\u0434\u0435 \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u043e.<\/span><\/p>\n          <p><span class=\"lang-en\">Tell us where the money needs to go and our team will <a href=\"\/how-it-works\/\">match you with a licensed transfer provider<\/a> that fits.<\/span><span class=\"lang-mk\">\u041a\u0430\u0436\u0438 \u043d\u0438 \u043a\u0430\u0434\u0435 \u0442\u0440\u0435\u0431\u0430 \u0434\u0430 \u0441\u0442\u0438\u0433\u043d\u0430\u0442 \u043f\u0430\u0440\u0438\u0442\u0435 \u0438 \u043d\u0430\u0448\u0438\u043e\u0442 \u0442\u0438\u043c \u045c\u0435 \u0442\u0435 <a href=\"\/how-it-works\/\">\u043f\u043e\u0432\u0440\u0437\u0435 \u0441\u043e \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d \u0434\u0430\u0432\u0430\u0442\u0435\u043b \u043d\u0430 \u0442\u0440\u0430\u043d\u0441\u0444\u0435\u0440<\/a> \u0448\u0442\u043e \u043e\u0434\u0433\u043e\u0432\u0430\u0440\u0430.<\/span><\/p>\n          <a href=\"\/apply\/\" class=\"btn btn-brass\" style=\"margin-top:8px;\"><span class=\"lang-en\">Get matched now<\/span><span class=\"lang-mk\">\u041f\u043e\u0432\u0440\u0437\u0438 \u0441\u0435 \u0441\u0435\u0433\u0430<\/span><\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n-->\n\n  <section class=\"expert-quote\">\n    <div class=\"container expert-quote-inner\">\n      <div class=\"expert-quote-avatar\">\n        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/editorial-avatar.avif\" alt=\"Elena Petrovska\" width=\"160\" height=\"160\" loading=\"lazy\">\n      <\/div>\n      <div class=\"expert-quote-copy\">\n        <h3><span class=\"lang-en\">Our expert says\u2026<\/span><span class=\"lang-mk\">\u041d\u0430\u0448\u0438\u043e\u0442 \u0435\u043a\u0441\u043f\u0435\u0440\u0442 \u0432\u0435\u043b\u0438\u2026<\/span><\/h3>\n        <blockquote>\n          <p><span class=\"lang-en\">Unfortunately, there are people who try to trick others out of their money with fake loan offers. Before you share any personal details with a lender, check that they're licensed to operate in North Macedonia \u2014 a legitimate provider will always be registered and verifiable.<\/span><span class=\"lang-mk\">\u0417\u0430 \u0436\u0430\u043b, \u0438\u043c\u0430 \u043b\u0443\u0453\u0435 \u043a\u043e\u0438 \u0441\u0435 \u043e\u0431\u0438\u0434\u0443\u0432\u0430\u0430\u0442 \u0434\u0430 \u0438\u0437\u043c\u0430\u043c\u0430\u0442 \u0434\u0440\u0443\u0433\u0438 \u0441\u043e \u043b\u0430\u0436\u043d\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0438 \u043f\u043e\u043d\u0443\u0434\u0438. \u041f\u0440\u0435\u0434 \u0434\u0430 \u0441\u043f\u043e\u0434\u0435\u043b\u0438\u0448 \u043b\u0438\u0447\u043d\u0438 \u043f\u043e\u0434\u0430\u0442\u043e\u0446\u0438 \u0441\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440, \u043f\u0440\u043e\u0432\u0435\u0440\u0438 \u0434\u0430\u043b\u0438 \u0438\u043c\u0430 \u0434\u043e\u0437\u0432\u043e\u043b\u0430 \u0437\u0430 \u0440\u0430\u0431\u043e\u0442\u0430 \u0432\u043e \u0421\u0435\u0432\u0435\u0440\u043d\u0430 \u041c\u0430\u043a\u0435\u0434\u043e\u043d\u0438\u0458\u0430 \u2014 \u043b\u0435\u0433\u0438\u0442\u0438\u043c\u0435\u043d \u0434\u0430\u0432\u0430\u0442\u0435\u043b \u0441\u0435\u043a\u043e\u0433\u0430\u0448 \u0435 \u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0438\u0440\u0430\u043d \u0438 \u043f\u0440\u043e\u0432\u0435\u0440\u043b\u0438\u0432.<\/span><\/p>\n        <\/blockquote>\n        <cite><a href=\"\/editorial-staff\/\">Elena Petrovska <span class=\"lang-en\">- Editorial Lead at NajdiKredit<\/span><span class=\"lang-mk\">- \u0423\u0440\u0435\u0434\u043d\u0438\u043a \u0432\u043e NajdiKredit<\/span><\/a><\/cite>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <section class=\"faq-section\">\n    <div class=\"container\">\n      <h2 class=\"faq-title\"><span class=\"lang-en\">Frequently asked questions<\/span><span class=\"lang-mk\">\u041d\u0430\u0458\u0447\u0435\u0441\u0442\u043e \u043f\u043e\u0441\u0442\u0430\u0432\u0443\u0432\u0430\u043d\u0438 \u043f\u0440\u0430\u0448\u0430\u045a\u0430<\/span><\/h2>\n\n      <div class=\"faq-columns\">\n        <div class=\"faq-list-wrap\">\n          <div class=\"faq-list\">\n            <details class=\"faq-item\">\n              <summary><span class=\"lang-en\">What is NajdiKredit?<\/span><span class=\"lang-mk\">\u0428\u0442\u043e \u0435 NajdiKredit?<\/span><\/summary>\n              <p class=\"faq-a\"><span class=\"lang-en\">NajdiKredit matches you with a licensed lender in North Macedonia. We're not a lender or a bank ourselves \u2014 tell us what you need and our team finds the option that fits, for free, with no impact on your credit score.<\/span><span class=\"lang-mk\">NajdiKredit \u0442\u0435 \u043f\u043e\u0432\u0440\u0437\u0443\u0432\u0430 \u0441\u043e \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440 \u0432\u043e \u0421\u0435\u0432\u0435\u0440\u043d\u0430 \u041c\u0430\u043a\u0435\u0434\u043e\u043d\u0438\u0458\u0430. \u041d\u0435 \u0441\u043c\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440 \u0438\u043b\u0438 \u0431\u0430\u043d\u043a\u0430 \u2014 \u043a\u0430\u0436\u0438 \u043d\u0438 \u0448\u0442\u043e \u0442\u0438 \u0442\u0440\u0435\u0431\u0430 \u0438 \u043d\u0430\u0448\u0438\u043e\u0442 \u0442\u0438\u043c \u0433\u043e \u043d\u0430\u043e\u0453\u0430 \u043d\u0430\u0458\u0441\u043e\u043e\u0434\u0432\u0435\u0442\u043d\u043e\u0442\u043e \u0440\u0435\u0448\u0435\u043d\u0438\u0435, \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e \u0438 \u0431\u0435\u0437 \u0432\u043b\u0438\u0458\u0430\u043d\u0438\u0435 \u043d\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0438\u043e\u0442 \u0440\u0435\u0458\u0442\u0438\u043d\u0433.<\/span><\/p>\n            <\/details>\n            <details class=\"faq-item\">\n              <summary><span class=\"lang-en\">Will contacting NajdiKredit affect my credit score?<\/span><span class=\"lang-mk\">\u0414\u0430\u043b\u0438 \u043a\u043e\u043d\u0442\u0430\u043a\u0442\u0438\u0440\u0430\u045a\u0435\u0442\u043e \u0441\u043e NajdiKredit \u0432\u043b\u0438\u0458\u0430\u0435 \u043d\u0430 \u043c\u043e\u0458\u043e\u0442 \u043a\u0440\u0435\u0434\u0438\u0442\u0435\u043d \u0440\u0435\u0458\u0442\u0438\u043d\u0433?<\/span><\/summary>\n              <p class=\"faq-a\"><span class=\"lang-en\">No. Submitting your details on our site never involves a credit check. A lender may run one once you're connected and apply directly with them.<\/span><span class=\"lang-mk\">\u041d\u0435. \u041f\u043e\u0434\u043d\u0435\u0441\u0443\u0432\u0430\u045a\u0435\u0442\u043e \u043d\u0430 \u0442\u0432\u043e\u0438\u0442\u0435 \u0434\u0435\u0442\u0430\u043b\u0438 \u043d\u0430 \u043d\u0430\u0448\u0438\u043e\u0442 \u0441\u0430\u0458\u0442 \u043d\u0438\u043a\u043e\u0433\u0430\u0448 \u043d\u0435 \u0432\u043a\u043b\u0443\u0447\u0443\u0432\u0430 \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0430 \u043d\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430 \u0438\u0441\u0442\u043e\u0440\u0438\u0458\u0430. \u041a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u043e\u0442 \u043c\u043e\u0436\u0435 \u0434\u0430 \u043d\u0430\u043f\u0440\u0430\u0432\u0438 \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0430 \u043e\u0442\u043a\u0430\u043a\u043e \u045c\u0435 \u0431\u0438\u0434\u0435\u0448 \u043f\u043e\u0432\u0440\u0437\u0430\u043d \u0438 \u0430\u043f\u043b\u0438\u0446\u0438\u0440\u0430\u0448 \u0434\u0438\u0440\u0435\u043a\u0442\u043d\u043e \u043a\u0430\u0458 \u043d\u0435\u0433\u043e.<\/span><\/p>\n            <\/details>\n            <details class=\"faq-item\">\n              <summary><span class=\"lang-en\">What makes NajdiKredit different from other comparison sites?<\/span><span class=\"lang-mk\">\u041f\u043e \u0448\u0442\u043e \u0441\u0435 \u0440\u0430\u0437\u043b\u0438\u043a\u0443\u0432\u0430 NajdiKredit \u043e\u0434 \u0434\u0440\u0443\u0433\u0438\u0442\u0435 \u0441\u043f\u043e\u0440\u0435\u0434\u0431\u0435\u043d\u0438 \u0441\u0430\u0458\u0442\u043e\u0432\u0438?<\/span><\/summary>\n              <p class=\"faq-a\"><span class=\"lang-en\">We only work with partners that hold a valid license to operate in North Macedonia, and our team does the matching for you instead of leaving you to sort through marketing claims yourself.<\/span><span class=\"lang-mk\">\u0420\u0430\u0431\u043e\u0442\u0438\u043c\u0435 \u0441\u0430\u043c\u043e \u0441\u043e \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0438 \u0441\u043e \u0432\u0430\u0436\u0435\u0447\u043a\u0430 \u0434\u043e\u0437\u0432\u043e\u043b\u0430 \u0437\u0430 \u0440\u0430\u0431\u043e\u0442\u0430 \u0432\u043e \u0421\u0435\u0432\u0435\u0440\u043d\u0430 \u041c\u0430\u043a\u0435\u0434\u043e\u043d\u0438\u0458\u0430, \u0430 \u043d\u0430\u0448\u0438\u043e\u0442 \u0442\u0438\u043c \u0433\u043e \u043f\u0440\u0430\u0432\u0438 \u043f\u043e\u0432\u0440\u0437\u0443\u0432\u0430\u045a\u0435\u0442\u043e \u0437\u0430 \u0442\u0435\u0431\u0435 \u043d\u0430\u043c\u0435\u0441\u0442\u043e \u0441\u0430\u043c \u0434\u0430 \u0433\u0438 \u0440\u0430\u0437\u0433\u043b\u0435\u0434\u0443\u0432\u0430\u0448 \u043c\u0430\u0440\u043a\u0435\u0442\u0438\u043d\u0433 \u0442\u0432\u0440\u0434\u0435\u045a\u0430\u0442\u0430.<\/span><\/p>\n            <\/details>\n            <details class=\"faq-item\">\n              <summary><span class=\"lang-en\">How does NajdiKredit get paid?<\/span><span class=\"lang-mk\">\u041a\u0430\u043a\u043e NajdiKredit \u0437\u0430\u0440\u0430\u0431\u043e\u0442\u0443\u0432\u0430?<\/span><\/summary>\n              <p class=\"faq-a\"><span class=\"lang-en\">A partner may pay us a referral fee if you're matched through us and go on to take out a loan or policy. That fee never changes your rate and doesn't cost you anything extra \u2014 getting matched is always free.<\/span><span class=\"lang-mk\">\u041f\u0430\u0440\u0442\u043d\u0435\u0440\u043e\u0442 \u043c\u043e\u0436\u0435 \u0434\u0430 \u043d\u0438 \u043f\u043b\u0430\u0442\u0438 \u043f\u0440\u043e\u0432\u0438\u0437\u0438\u0458\u0430 \u0437\u0430 \u043f\u0440\u0435\u043f\u043e\u0440\u0430\u043a\u0430 \u0430\u043a\u043e \u0431\u0438\u0434\u0435\u0448 \u043f\u043e\u0432\u0440\u0437\u0430\u043d \u043f\u0440\u0435\u043a\u0443 \u043d\u0430\u0441 \u0438 \u0441\u043a\u043b\u0443\u0447\u0438\u0448 \u043a\u0440\u0435\u0434\u0438\u0442 \u0438\u043b\u0438 \u043f\u043e\u043b\u0438\u0441\u0430. \u0422\u0430\u0430 \u043f\u0440\u043e\u0432\u0438\u0437\u0438\u0458\u0430 \u043d\u0438\u043a\u043e\u0433\u0430\u0448 \u043d\u0435 \u0458\u0430 \u043c\u0435\u043d\u0443\u0432\u0430 \u0442\u0432\u043e\u0458\u0430\u0442\u0430 \u0441\u0442\u0430\u043f\u043a\u0430 \u0438 \u043d\u0435 \u0442\u0435 \u0447\u0438\u043d\u0438 \u043d\u0438\u0448\u0442\u043e \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u043d\u043e \u2014 \u043f\u043e\u0432\u0440\u0437\u0443\u0432\u0430\u045a\u0435\u0442\u043e \u0435 \u0441\u0435\u043a\u043e\u0433\u0430\u0448 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e.<\/span><\/p>\n            <\/details>\n          <\/div>\n          <a href=\"\/faq\/\" class=\"btn btn-ghost\">\n            <span class=\"lang-en\">Read our full FAQ<\/span><span class=\"lang-mk\">\u041f\u0440\u043e\u0447\u0438\u0442\u0430\u0458 \u0433\u0438 \u0441\u0438\u0442\u0435 \u0427\u041f\u041f<\/span>\n          <\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n<\/div>\n<script>\n(function () {\n  document.querySelectorAll('.nk-site details.faq-item').forEach(function (item) {\n    var summary = item.querySelector('summary');\n    if (!summary || !item.animate) return;\n    summary.addEventListener('click', function (e) {\n      e.preventDefault();\n      if (item.dataset.animating === '1') return;\n      item.dataset.animating = '1';\n      var opening = !item.open;\n      var start = item.offsetHeight;\n      if (opening) item.open = true;\n      var end = opening ? item.scrollHeight : summary.offsetHeight + 2;\n      var animation = item.animate({ height: [start + 'px', end + 'px'] }, { duration: 240, easing: 'cubic-bezier(.2,.8,.2,1)' });\n      animation.onfinish = function () {\n        if (!opening) item.open = false;\n        item.dataset.animating = '0';\n      };\n    });\n  });\n})();\n<\/script>\n<script>\n(function () {\n  document.querySelectorAll('.nk-site .how-cards').forEach(function (track) {\n    var cards = track.querySelectorAll('.how-card');\n    var dotsWrap = track.parentElement.querySelector('.how-dots');\n    if (!dotsWrap || cards.length < 2) return;\n    var dots = dotsWrap.querySelectorAll('.how-dot');\n    var observer = new IntersectionObserver(function (entries) {\n      entries.forEach(function (entry) {\n        if (entry.intersectionRatio < 0.6) return;\n        var index = Array.prototype.indexOf.call(cards, entry.target);\n        dots.forEach(function (d, n) { d.classList.toggle('is-active', n === index); });\n      });\n    }, { root: track, threshold: [0.6] });\n    cards.forEach(function (card) { observer.observe(card); });\n  });\n})();\n<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Finding a lender shouldn\u2019t be complicated. \u041d\u0430\u043e\u0453\u0430\u045a\u0435\u0442\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440 \u043d\u0435 \u0442\u0440\u0435\u0431\u0430 \u0434\u0430 \u0431\u0438\u0434\u0435 \u043a\u043e\u043c\u043f\u043b\u0438\u0446\u0438\u0440\u0430\u043d\u043e. Tell us what you\u2019re looking for and leave your contact details. Our team reviews licensed lenders and connects you with one that may fit \u2014 free and with no obligation. \u041a\u0430\u0436\u0438 \u043d\u0438 \u0448\u0442\u043e \u0431\u0430\u0440\u0430\u0448 \u0438 \u043e\u0441\u0442\u0430\u0432\u0438 \u043a\u043e\u043d\u0442\u0430\u043a\u0442 \u043f\u043e\u0434\u0430\u0442\u043e\u0446\u0438. \u041d\u0430\u0448\u0438\u043e\u0442 \u0442\u0438\u043c \u0433\u0438 \u0440\u0430\u0437\u0433\u043b\u0435\u0434\u0443\u0432\u0430 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-17","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/pages\/17","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/comments?post=17"}],"version-history":[{"count":93,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/pages\/17\/revisions"}],"predecessor-version":[{"id":256,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/pages\/17\/revisions\/256"}],"wp:attachment":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/media?parent=17"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}