/* ========================================
   Twinero - CSS Styles
   ======================================== */

:root {
    --primary: #1E40AF;
    --primary-dark: #1E3A8A;
    --primary-light: #3B82F6;
    --accent: #F59E0B;
    --accent-hover: #D97706;
    --success: #059669;
    --bg: #FFFFFF;
    --bg-light: #F8FAFC;
    --bg-dark: #0F172A;
    --text: #1E293B;
    --text-muted: #64748B;
    --text-light: #94A3B8;
    --border: #E2E8F0;
    --radius: 16px;
    --radius-sm: 8px;
    --radius-xs: 6px;
}

/* ========================================
   Reset & Base
   ======================================== */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: var(--text);
    background: var(--bg);
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

a {
    color: var(--primary);
    text-decoration: none;
    transition: color 0.2s;
}

a:hover {
    color: var(--primary-dark);
}

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

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ========================================
   Navbar
   ======================================== */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255,255,255,0.85);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-bottom: 1px solid transparent;
    transition: border-color 0.3s, box-shadow 0.3s;
}

.navbar.scrolled {
    border-bottom-color: var(--border);
    box-shadow: 0 1px 8px rgba(0,0,0,0.04);
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 64px;
}

.nav-logo {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary);
    letter-spacing: -0.02em;
    display: flex;
    align-items: center;
    gap: 6px;
}

.nav-logo svg {
    color: var(--accent);
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
    list-style: none;
}

.nav-links a {
    color: var(--text-muted);
    font-size: 0.9rem;
    font-weight: 500;
    transition: color 0.2s;
}

.nav-links a:hover {
    color: var(--text);
}

.nav-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 8px 20px;
    background: var(--primary);
    color: #fff !important;
    border-radius: 50px;
    font-size: 0.85rem;
    font-weight: 600;
    text-decoration: none !important;
    transition: background 0.2s, transform 0.2s;
}

.nav-cta:hover {
    background: var(--primary-dark);
    color: #fff !important;
    transform: translateY(-1px);
}

.nav-trust {
    display: flex;
    align-items: center;
    gap: 4px;
    font-size: 0.78rem;
    color: var(--success);
    font-weight: 600;
}

.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    background: none;
    border: none;
    padding: 4px;
}

.hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--text);
    border-radius: 2px;
    transition: transform 0.3s, opacity 0.3s;
}

/* ========================================
   Buttons
   ======================================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 28px;
    border: none;
    border-radius: 50px;
    font-family: inherit;
    font-size: 0.95rem;
    font-weight: 700;
    cursor: pointer;
    text-decoration: none !important;
    line-height: 1.2;
    transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
    text-decoration: none;
}

.btn-primary {
    background: linear-gradient(135deg, var(--accent) 0%, #E88E00 100%);
    color: #fff !important;
    box-shadow: 0 2px 8px rgba(245,158,11,0.3), inset 0 1px 0 rgba(255,255,255,0.2);
    text-shadow: 0 1px 1px rgba(0,0,0,0.1);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(245,158,11,0.4), inset 0 1px 0 rgba(255,255,255,0.2);
    color: #fff !important;
}

.btn-primary:active {
    transform: translateY(0);
}

.btn-white {
    background: #fff;
    color: var(--primary) !important;
    box-shadow: 0 2px 8px rgba(0,0,0,0.1);
    border: 1.5px solid rgba(255,255,255,0.3);
}

.btn-white:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(0,0,0,0.15);
    color: var(--primary-dark) !important;
}

/* btn-white on light backgrounds (404 page, inline CTAs) */
.btn-outline {
    background: #fff;
    color: var(--primary) !important;
    border: 2px solid var(--primary);
    box-shadow: none;
}

.btn-outline:hover {
    background: var(--primary);
    color: #fff !important;
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(30,64,175,0.25);
}

.btn-table {
    padding: 8px 20px;
    background: var(--primary);
    color: #fff !important;
    font-size: 0.85rem;
    border-radius: 50px;
}

.btn-table:hover {
    background: var(--primary-dark);
    transform: translateY(-1px);
    color: #fff !important;
}

.btn-table-cta {
    padding: 8px 20px;
    background: linear-gradient(135deg, var(--accent) 0%, #E88E00 100%);
    color: #fff !important;
    font-size: 0.85rem;
    border-radius: 50px;
    text-shadow: 0 1px 1px rgba(0,0,0,0.1);
}

.btn-table-cta:hover {
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(245,158,11,0.35);
    color: #fff !important;
}

.btn-full {
    width: 100%;
}

.btn-lg {
    padding: 16px 36px;
    font-size: 1.05rem;
}

/* ========================================
   Hero
   ======================================== */
.hero {
    position: relative;
    padding: 120px 0 80px;
    background: linear-gradient(180deg, #EFF6FF 0%, #FFFFFF 100%);
    overflow: hidden;
}

.hero-bg-shapes {
    display: none;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 6px 14px;
    background: #EFF6FF;
    color: var(--primary);
    border-radius: 50px;
    font-size: 0.82rem;
    font-weight: 600;
    margin-bottom: 20px;
    border: 1px solid #BFDBFE;
}

.hero-title {
    font-size: 2.9rem;
    font-weight: 800;
    line-height: 1.15;
    letter-spacing: -0.025em;
    margin-bottom: 16px;
    color: var(--text);
}

.text-gradient {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 50%, var(--primary) 100%);
    background-size: 200% auto;
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    animation: shimmer 3s linear infinite;
}

@keyframes shimmer {
    0% { background-position: 0% center; }
    100% { background-position: 200% center; }
}

.hero-subtitle {
    font-size: 1.1rem;
    color: var(--text-muted);
    line-height: 1.7;
    margin-bottom: 28px;
    max-width: 520px;
}

.hero-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}

.hero-feature {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--text);
}

/* ========================================
   Calculator Card
   ======================================== */
.calc-card {
    background: #fff;
    border-radius: var(--radius);
    padding: 32px;
    box-shadow: 0 4px 24px rgba(0,0,0,0.08), 0 1px 4px rgba(0,0,0,0.04);
    border: 1px solid var(--border);
}

.calc-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 24px;
}

.calc-header h2 {
    font-size: 1.2rem;
    font-weight: 700;
}

.calc-badge {
    padding: 4px 12px;
    background: #ECFDF5;
    color: var(--success);
    border-radius: 50px;
    font-size: 0.78rem;
    font-weight: 700;
}

.calc-slider-group {
    margin-bottom: 24px;
}

.calc-slider-label {
    display: flex;
    justify-content: space-between;
    margin-bottom: 10px;
    font-size: 0.88rem;
    color: var(--text-muted);
    font-weight: 500;
}

.calc-value {
    font-weight: 700;
    color: var(--primary);
    font-size: 1rem;
}

.calc-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 8px;
    border-radius: 4px;
    background: #E2E8F0;
    outline: none;
    cursor: pointer;
}

.calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: #fff;
    border: 3px solid var(--primary);
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(0,0,0,0.15);
    transition: transform 0.2s, box-shadow 0.2s;
}

.calc-slider::-webkit-slider-thumb:hover {
    transform: scale(1.1);
    box-shadow: 0 3px 10px rgba(0,0,0,0.2);
}

.calc-slider::-webkit-slider-thumb:active {
    transform: scale(1.15);
}

.calc-slider::-moz-range-thumb {
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: #fff;
    border: 3px solid var(--primary);
    cursor: pointer;
    box-shadow: 0 2px 6px rgba(0,0,0,0.15);
}

.calc-slider-range {
    display: flex;
    justify-content: space-between;
    margin-top: 6px;
    font-size: 0.75rem;
    color: var(--text-light);
}

.calc-summary {
    background: var(--bg-light);
    border-radius: var(--radius-sm);
    padding: 16px;
    margin-bottom: 20px;
}

.calc-summary-row {
    display: flex;
    justify-content: space-between;
    padding: 6px 0;
    font-size: 0.88rem;
    color: var(--text-muted);
}

.calc-summary-row + .calc-summary-row {
    border-top: 1px solid var(--border);
}

.calc-highlight {
    color: var(--success);
    font-weight: 700;
}

.calc-total {
    color: var(--primary);
    font-weight: 700;
    font-size: 1.05rem;
}

.calc-trust {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    margin-top: 12px;
    font-size: 0.78rem;
    color: var(--text-light);
}

/* ========================================
   Stats Section
   ======================================== */
.stats-section {
    position: relative;
    z-index: 2;
    margin-top: -36px;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    background: #fff;
    border-radius: var(--radius);
    padding: 28px 32px;
    box-shadow: 0 4px 24px rgba(0,0,0,0.06);
    border: 1px solid var(--border);
}

.stat-item {
    text-align: center;
}

.stat-icon {
    display: flex;
    justify-content: center;
    margin-bottom: 8px;
}

.stat-number {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--text);
    letter-spacing: -0.02em;
}

.stat-label {
    font-size: 0.82rem;
    color: var(--text-muted);
    margin-top: 2px;
}

/* ========================================
   Partners
   ======================================== */
.partners-section {
    padding: 48px 0;
    text-align: center;
}

.partners-label {
    font-size: 0.85rem;
    color: var(--text-light);
    margin-bottom: 20px;
    font-weight: 500;
}

.partners-grid {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 40px;
    flex-wrap: wrap;
}

.partner-logo {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--text-light);
    opacity: 0.6;
    transition: opacity 0.3s;
    padding: 8px 16px;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    background: var(--bg-light);
}

.partner-logo:hover {
    opacity: 1;
}

.partner-trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--text);
    padding: 10px 18px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 50px;
}

/* ========================================
   Section Headers
   ======================================== */
.section-header {
    text-align: center;
    margin-bottom: 48px;
}

.section-badge {
    display: inline-block;
    padding: 4px 14px;
    background: #EFF6FF;
    color: var(--primary);
    border-radius: 50px;
    font-size: 0.8rem;
    font-weight: 600;
    margin-bottom: 12px;
    border: 1px solid #BFDBFE;
}

.section-header h2 {
    font-size: 2.1rem;
    font-weight: 800;
    letter-spacing: -0.02em;
    margin-bottom: 8px;
}

.section-header p {
    font-size: 1rem;
    color: var(--text-muted);
    max-width: 560px;
    margin: 0 auto;
}

/* ========================================
   How It Works
   ======================================== */
.how-it-works {
    padding: 80px 0;
    background: var(--bg-light);
}

.steps-grid {
    display: flex;
    align-items: flex-start;
    justify-content: center;
    gap: 16px;
}

.step-card {
    flex: 1;
    max-width: 260px;
    background: #fff;
    border-radius: var(--radius);
    padding: 28px 24px;
    text-align: center;
    border: 1px solid var(--border);
    transition: transform 0.3s, box-shadow 0.3s;
}

.step-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 24px rgba(0,0,0,0.08);
}

.step-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 32px;
    height: 32px;
    background: var(--primary);
    color: #fff;
    border-radius: 50%;
    font-size: 0.85rem;
    font-weight: 700;
    margin-bottom: 16px;
}

.step-icon {
    margin-bottom: 12px;
}

.step-card h3 {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 8px;
}

.step-card p {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.6;
}

.step-arrow {
    display: flex;
    align-items: center;
    padding-top: 60px;
}

/* ========================================
   Benefits
   ======================================== */
.benefits-section {
    padding: 80px 0;
}

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

.benefit-card {
    background: #fff;
    border-radius: var(--radius);
    padding: 28px 24px;
    border: 1px solid var(--border);
    transition: transform 0.3s, box-shadow 0.3s;
}

.benefit-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 24px rgba(0,0,0,0.08);
}

.benefit-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 52px;
    height: 52px;
    background: #EFF6FF;
    border-radius: 12px;
    margin-bottom: 16px;
}

.benefit-card h3 {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 8px;
}

.benefit-card p {
    font-size: 0.88rem;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ========================================
   Secondary Benefits
   ======================================== */
.secondary-benefits {
    padding: 0 0 80px;
}

.sec-benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.sec-benefit {
    display: flex;
    gap: 12px;
    padding: 16px;
    border-radius: var(--radius-sm);
    background: var(--bg-light);
}

.sec-benefit-icon {
    flex-shrink: 0;
    display: flex;
    align-items: flex-start;
    padding-top: 2px;
}

.sec-benefit h4 {
    font-size: 0.9rem;
    font-weight: 700;
    margin-bottom: 4px;
}

.sec-benefit p {
    font-size: 0.82rem;
    color: var(--text-muted);
    line-height: 1.5;
}

/* ========================================
   Comparison Table
   ======================================== */
.comparison-section {
    padding: 80px 0;
    background: var(--bg-light);
}

.table-wrapper {
    overflow-x: auto;
    border-radius: var(--radius);
    border: 1px solid var(--border);
    background: #fff;
}

.comparison-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    font-size: 0.9rem;
}

.comparison-table th {
    padding: 14px 18px;
    text-align: left;
    font-weight: 700;
    font-size: 0.76rem;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--text-muted);
    background: linear-gradient(180deg, #F8FAFC, #F1F5F9);
    border-bottom: 2px solid var(--border);
}

.comparison-table td {
    padding: 16px 18px;
    border-bottom: 1px solid #F1F5F9;
    white-space: nowrap;
    vertical-align: middle;
}

.comparison-table tr:last-child td {
    border-bottom: none;
}

.comparison-table tbody tr {
    transition: background 0.15s;
}

.comparison-table tbody tr:hover td {
    background: #F8FAFF;
}

.lender-name {
    font-weight: 700;
    color: var(--text);
}

.lender-cell {
    display: flex;
    align-items: center;
    gap: 8px;
    font-weight: 700;
    white-space: nowrap;
}

.lender-logo {
    width: 80px;
    height: 28px;
    object-fit: contain;
    flex-shrink: 0;
}

/* Hide text visually, keep for SEO + screen readers */
.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0,0,0,0);
    white-space: nowrap;
    border: 0;
}

.tag {
    display: inline-block;
    padding: 3px 10px;
    border-radius: 50px;
    font-size: 0.75rem;
    font-weight: 600;
}

.tag-free {
    background: #ECFDF5;
    color: var(--success);
}

/* ========================================
   Requirements
   ======================================== */
.requirements-section {
    padding: 80px 0;
}

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

.req-card {
    text-align: center;
    padding: 32px 24px;
    background: #fff;
    border-radius: var(--radius);
    border: 1px solid var(--border);
}

.req-icon {
    display: flex;
    justify-content: center;
    margin-bottom: 16px;
}

.req-card h3 {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 8px;
}

.req-card p {
    font-size: 0.88rem;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ========================================
   CTA Strip
   ======================================== */
.cta-strip {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    padding: 56px 0;
}

.cta-strip-content {
    text-align: center;
}

.cta-strip h2 {
    font-size: 1.8rem;
    font-weight: 800;
    color: #fff;
    margin-bottom: 8px;
}

.cta-strip p {
    color: rgba(255,255,255,0.8);
    font-size: 1rem;
    margin-bottom: 24px;
}

/* ========================================
   Reviews
   ======================================== */
.reviews-section {
    padding: 80px 0;
    background: var(--bg-light);
}

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

.review-card {
    background: #fff;
    border-radius: var(--radius);
    padding: 24px;
    border: 1px solid var(--border);
    transition: transform 0.3s, box-shadow 0.3s;
}

.review-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 24px rgba(0,0,0,0.08);
}

.review-stars {
    display: flex;
    gap: 2px;
    margin-bottom: 12px;
}

.review-text {
    font-size: 0.9rem;
    color: var(--text);
    line-height: 1.7;
    margin-bottom: 16px;
    font-style: italic;
}

.review-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.review-avatar {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.82rem;
    font-weight: 700;
    flex-shrink: 0;
}

.review-name {
    font-weight: 700;
    font-size: 0.88rem;
}

.review-meta {
    font-size: 0.78rem;
    color: var(--text-light);
}

/* ========================================
   FAQ
   ======================================== */
.faq-section {
    padding: 80px 0;
}

.faq-list {
    max-width: 760px;
    margin: 0 auto;
}

.faq-item {
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    margin-bottom: 8px;
    overflow: hidden;
    background: #fff;
}

.faq-question {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: 18px 20px;
    background: none;
    border: none;
    font-family: inherit;
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--text);
    cursor: pointer;
    text-align: left;
    gap: 12px;
}

.faq-chevron {
    flex-shrink: 0;
    transition: transform 0.3s;
    color: var(--text-muted);
}

.faq-item.active .faq-chevron {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.faq-answer p {
    padding: 0 20px 18px;
    font-size: 0.9rem;
    color: var(--text-muted);
    line-height: 1.7;
}

/* ========================================
   Representative Example
   ======================================== */
.example-section {
    padding: 0 0 40px;
}

.example-card {
    background: var(--bg-light);
    border-radius: var(--radius);
    padding: 28px 32px;
    border: 1px solid var(--border);
}

.example-card h3 {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 16px;
}

.example-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.example-label {
    font-size: 0.82rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 6px;
}

.example-item p {
    font-size: 0.82rem;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ========================================
   Bottom CTA
   ======================================== */
.bottom-cta {
    padding: 64px 0;
    background: linear-gradient(135deg, var(--bg-dark) 0%, #1E293B 100%);
    text-align: center;
}

.bottom-cta h2 {
    font-size: 1.8rem;
    font-weight: 800;
    color: #fff;
    margin-bottom: 8px;
}

.bottom-cta p {
    color: rgba(255,255,255,0.7);
    margin-bottom: 24px;
}

/* ========================================
   Footer
   ======================================== */
.footer {
    background: var(--bg-dark);
    color: rgba(255,255,255,0.7);
    padding: 48px 0 24px;
    border-top: 1px solid rgba(255,255,255,0.08);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr repeat(3, 1fr);
    gap: 40px;
    margin-bottom: 36px;
}

.footer-brand {
    font-size: 1.3rem;
    font-weight: 800;
    color: #fff;
    margin-bottom: 12px;
}

.footer-desc {
    font-size: 0.82rem;
    line-height: 1.6;
    margin-bottom: 16px;
}

.footer h4 {
    font-size: 0.85rem;
    font-weight: 700;
    color: #fff;
    margin-bottom: 16px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.footer-links {
    list-style: none;
}

.footer-links li {
    margin-bottom: 8px;
}

.footer-links a {
    color: rgba(255,255,255,0.6);
    font-size: 0.85rem;
    transition: color 0.2s;
}

.footer-links a:hover {
    color: #fff;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    padding-top: 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.78rem;
    color: rgba(255,255,255,0.4);
}

.footer-badges {
    display: flex;
    align-items: center;
    gap: 16px;
    font-size: 0.75rem;
}

/* ========================================
   Cookie Banner
   ======================================== */
.cookie-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 3000;
    background: var(--bg-dark);
    color: rgba(255,255,255,0.85);
    padding: 16px 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    box-shadow: 0 -4px 20px rgba(0,0,0,0.2);
    transform: translateY(100%);
    transition: transform 0.4s ease;
}

.cookie-banner.show {
    transform: translateY(0);
}

.cookie-banner p {
    font-size: 0.82rem;
    line-height: 1.5;
    flex: 1;
}

.cookie-banner a {
    color: var(--primary-light);
}

.cookie-buttons {
    display: flex;
    gap: 8px;
    flex-shrink: 0;
}

.cookie-btn {
    padding: 8px 20px;
    border: none;
    border-radius: 50px;
    font-family: inherit;
    font-size: 0.82rem;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.2s;
}

.cookie-accept {
    background: var(--primary);
    color: #fff;
}

.cookie-accept:hover {
    background: var(--primary-light);
}

.cookie-reject {
    background: rgba(255,255,255,0.1);
    color: rgba(255,255,255,0.8);
}

.cookie-reject:hover {
    background: rgba(255,255,255,0.2);
}

/* ========================================
   Modals
   ======================================== */
.modal {
    position: fixed;
    top: 0;
    left: 0;
    width: 100vw;
    height: 100vh;
    height: 100dvh;
    z-index: 2000;
    display: flex;
    align-items: center;
    justify-content: center;
    visibility: hidden;
    opacity: 0;
    transition: visibility 0.3s, opacity 0.3s;
}

body.modal-open {
    overflow: hidden;
    position: fixed;
    width: 100%;
    top: 0;
    left: 0;
}

.modal.active {
    visibility: visible;
    opacity: 1;
}

.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100vw;
    height: 100vh;
    background: rgba(15, 23, 42, 0.6);
    backdrop-filter: blur(4px);
}

.modal-content {
    position: relative;
    z-index: 1;
    background: #fff;
    border-radius: var(--radius);
    max-width: 480px;
    width: calc(100vw - 32px);
    max-height: calc(100vh - 32px);
    max-height: calc(100dvh - 32px);
    margin: 0 auto;
    overflow-y: auto;
    scrollbar-width: none;
    -ms-overflow-style: none;
    animation: fadeScaleIn 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.modal-content::-webkit-scrollbar {
    display: none;
}

@keyframes fadeScaleIn {
    from {
        opacity: 0;
        transform: scale(0.92);
    }
    to {
        opacity: 1;
        transform: scale(1);
    }
}

.modal-close {
    position: absolute;
    top: 16px;
    right: 16px;
    background: none;
    border: none;
    color: var(--text-muted);
    cursor: pointer;
    padding: 4px;
    border-radius: 50%;
    transition: color 0.2s, background 0.2s;
    z-index: 2;
}

.modal-close:hover {
    color: var(--text);
    background: var(--bg-light);
}

/* ========================================
   Form Modal
   ======================================== */
.form-card {
    padding: 32px;
}

.form-header {
    text-align: center;
    margin-bottom: 24px;
}

.form-header h2 {
    font-size: 1.3rem;
    font-weight: 800;
    margin-bottom: 6px;
}

.form-header p {
    font-size: 0.88rem;
    color: var(--text-muted);
    margin-bottom: 12px;
}

.form-summary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 16px;
    background: #EFF6FF;
    border-radius: 50px;
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--primary);
    border: 1px solid #BFDBFE;
}

.form-group {
    margin-bottom: 16px;
}

.form-group label:not(.checkbox-label) {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 6px;
    color: var(--text);
}

.input-wrapper {
    position: relative;
}

.input-icon {
    position: absolute;
    left: 14px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--text-light);
    pointer-events: none;
}

.input-wrapper input {
    width: 100%;
    padding: 12px 14px 12px 42px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: inherit;
    font-size: 0.9rem;
    color: var(--text);
    outline: none;
    transition: border-color 0.2s, box-shadow 0.2s;
    background: #fff;
}

.input-phone {
    display: flex;
    align-items: stretch;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    overflow: hidden;
    transition: border-color 0.2s, box-shadow 0.2s;
}

.input-phone:focus-within {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(30,64,175,0.1);
}

.phone-prefix {
    display: flex;
    align-items: center;
    padding: 0 12px;
    background: var(--bg-light);
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--text-muted);
    border-right: 1px solid var(--border);
    white-space: nowrap;
}

.input-phone input {
    border: none;
    padding-left: 12px;
}

.input-phone input:focus {
    box-shadow: none;
}

.input-wrapper input:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(30,64,175,0.1);
}

.input-wrapper input.error,
.input-phone.error {
    border-color: #EF4444;
    box-shadow: 0 0 0 3px rgba(239,68,68,0.1);
}

/* Checkbox */
.field-hint {
    display: block;
    font-size: 0.75rem;
    color: var(--text-light);
    margin-top: 4px;
}

.field-error {
    display: none;
    font-size: 0.75rem;
    color: #EF4444;
    margin-top: 4px;
}

.field-error.show {
    display: block;
}

.checkbox-group {
    margin-top: 4px;
}

.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    cursor: pointer;
    font-size: 0.82rem;
    color: var(--text-muted);
    line-height: 1.5;
}

.checkbox-label input[type="checkbox"] {
    display: none;
}

.checkmark {
    flex-shrink: 0;
    width: 18px;
    height: 18px;
    border: 2px solid var(--border);
    border-radius: 4px;
    margin-top: 1px;
    position: relative;
    transition: all 0.2s;
}

.checkbox-label input:checked ~ .checkmark {
    background: var(--primary);
    border-color: var(--primary);
}

.checkbox-label input:checked ~ .checkmark::after {
    content: '';
    position: absolute;
    left: 5px;
    top: 1px;
    width: 5px;
    height: 10px;
    border: solid #fff;
    border-width: 0 2px 2px 0;
    transform: rotate(45deg);
}

.checkmark.error {
    border-color: #EF4444;
    box-shadow: 0 0 0 3px rgba(239,68,68,0.1);
}

.checkbox-label a {
    color: var(--primary);
    text-decoration: underline;
}

.btn-form-submit {
    margin-top: 8px;
    padding: 14px;
}

.form-skip {
    display: block;
    width: 100%;
    margin-top: 12px;
    padding: 8px;
    background: none;
    border: none;
    font-family: inherit;
    font-size: 0.85rem;
    color: var(--text-light);
    cursor: pointer;
    text-align: center;
    transition: color 0.2s;
}

.form-skip:hover {
    color: var(--text-muted);
}

/* ========================================
   Loading Modal
   ======================================== */
.loading-card {
    padding: 40px 32px;
    text-align: center;
    max-width: 400px;
}

.loading-header {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-size: 0.82rem;
    color: var(--text-muted);
    font-weight: 500;
    margin-bottom: 32px;
}

.loading-ring-wrapper {
    position: relative;
    width: 110px;
    height: 110px;
    margin: 0 auto 28px;
}

.loading-ring {
    display: block;
}

.ring-pct {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    font-size: 1.3rem;
    font-weight: 800;
    color: var(--primary);
}

.loading-steps {
    display: flex;
    flex-direction: column;
    gap: 14px;
    text-align: left;
}

.loading-step {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.88rem;
    color: var(--text-light);
    opacity: 0.4;
    transition: opacity 0.3s, color 0.3s;
}

.loading-step.active {
    opacity: 1;
    color: var(--text);
    animation: fadeScaleIn 0.3s ease;
}

.loading-step.done {
    opacity: 1;
    color: var(--success);
}

.ls-dot {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--border);
    flex-shrink: 0;
    transition: background 0.3s, box-shadow 0.3s;
    position: relative;
}

.loading-step.active .ls-dot {
    background: var(--primary);
    box-shadow: 0 0 0 4px rgba(30,64,175,0.15);
}

.loading-step.done .ls-dot {
    background: var(--success);
}

.loading-step.done .ls-dot::after {
    content: '';
    position: absolute;
    left: 50%;
    top: 45%;
    width: 5px;
    height: 9px;
    border: solid #fff;
    border-width: 0 2px 2px 0;
    transform: translate(-50%, -50%) rotate(45deg);
}

/* ========================================
   Offers Modal
   ======================================== */
.offers-card {
    max-width: 600px;
    padding: 0;
    max-height: 95vh;
    overflow-y: auto;
    scrollbar-width: none;
    -ms-overflow-style: none;
}

.offers-card::-webkit-scrollbar {
    display: none;
}

.offers-header {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    color: #fff;
    padding: 28px 32px;
    border-radius: var(--radius) var(--radius) 0 0;
    text-align: center;
}

.offers-badge {
    display: inline-block;
    padding: 4px 14px;
    background: rgba(255,255,255,0.15);
    border-radius: 50px;
    font-size: 0.78rem;
    font-weight: 600;
    margin-bottom: 12px;
}

.offers-header h2 {
    font-size: 1.3rem;
    font-weight: 800;
    margin-bottom: 6px;
}

.offers-header p {
    font-size: 0.88rem;
    opacity: 0.85;
    margin-bottom: 12px;
}

.offers-summary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 16px;
    background: rgba(255,255,255,0.15);
    border-radius: 50px;
    font-size: 0.82rem;
    font-weight: 600;
}

.offers-list {
    padding: 20px 24px;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.offer-card {
    position: relative;
    border: 1.5px solid var(--border);
    border-radius: var(--radius);
    padding: 22px;
    transition: box-shadow 0.3s, border-color 0.3s, transform 0.2s;
    background: #fff;
}

.offer-card:hover {
    border-color: var(--primary-light);
    box-shadow: 0 6px 20px rgba(30,64,175,0.12);
    transform: translateY(-2px);
}

.offer-card.recommended {
    border-color: var(--accent);
    border-width: 2px;
    box-shadow: 0 4px 16px rgba(245,158,11,0.18);
    background: linear-gradient(180deg, #FFFBEB 0%, #fff 40%);
}

.offer-recommended {
    position: absolute;
    top: -11px;
    left: 20px;
    padding: 3px 14px;
    background: linear-gradient(135deg, var(--accent), var(--accent-hover));
    color: #fff;
    border-radius: 50px;
    font-size: 0.72rem;
    font-weight: 700;
    text-transform: uppercase;
    box-shadow: 0 2px 6px rgba(245,158,11,0.3);
    letter-spacing: 0.05em;
}

.offer-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 12px;
}

.offer-logo-name {
    display: flex;
    align-items: center;
}

.offer-logo {
    width: 110px;
    height: 36px;
    object-fit: contain;
    object-position: left;
}

.offer-name {
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--text);
    letter-spacing: -0.01em;
}

.offer-promo {
    padding: 3px 10px;
    background: #ECFDF5;
    color: var(--success);
    border-radius: 50px;
    font-size: 0.72rem;
    font-weight: 600;
}

.offer-usp {
    font-size: 0.84rem;
    color: var(--text-muted);
    margin-bottom: 16px;
    line-height: 1.6;
    padding-bottom: 14px;
    border-bottom: 1px solid var(--border);
}

.offer-details {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1px;
    margin-bottom: 16px;
    background: var(--border);
    border-radius: var(--radius-sm);
    overflow: hidden;
    border: 1px solid var(--border);
}

.offer-detail {
    background: var(--bg-light);
    padding: 10px 8px;
    text-align: center;
}

.offer-detail-label {
    font-size: 0.7rem;
    color: var(--text-light);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 2px;
}

.offer-detail-value {
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--text);
}

.offer-cta {
    display: flex;
}

.offer-cta .btn {
    width: 100%;
    padding: 12px 24px;
    font-size: 0.92rem;
}

.offer-legal {
    margin-top: 10px;
    font-size: 0.7rem;
    color: var(--text-light);
    padding-top: 10px;
    border-top: 1px solid var(--border);
    text-align: center;
    line-height: 1.4;
}

.offers-footer {
    padding: 0 24px 20px;
    text-align: center;
}

/* ========================================
   Responsive
   ======================================== */
@media (max-width: 1024px) {
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .hero-title {
        font-size: 2.2rem;
    }

    .steps-grid {
        flex-wrap: wrap;
    }

    .step-arrow {
        display: none;
    }

    .step-card {
        max-width: none;
        flex: 1 1 calc(50% - 16px);
    }

    .benefits-grid,
    .sec-benefits-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .reviews-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 768px) {
    .nav-links {
        display: none;
    }

    .hamburger {
        display: flex;
    }

    .hero {
        padding: 90px 0 48px;
    }

    .hero-grid {
        gap: 32px;
    }

    .hero-title {
        font-size: 1.7rem;
        line-height: 1.2;
    }

    .hero-subtitle {
        font-size: 0.92rem;
        line-height: 1.6;
    }

    .hero-features {
        grid-template-columns: 1fr;
        gap: 8px;
    }

    .hero-feature {
        font-size: 0.85rem;
    }

    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 12px;
        padding: 18px 16px;
    }

    .partners-grid {
        gap: 10px;
        justify-content: center;
    }

    .partner-trust-item {
        font-size: 0.78rem;
        padding: 8px 12px;
    }

    .section-header h2 {
        font-size: 1.6rem;
    }

    .step-card {
        flex: 1 1 100%;
    }

    .benefits-grid,
    .sec-benefits-grid,
    .requirements-grid {
        grid-template-columns: 1fr;
    }

    .reviews-grid {
        grid-template-columns: 1fr;
    }

    .example-grid {
        grid-template-columns: 1fr;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }

    .footer-bottom {
        flex-direction: column;
        gap: 12px;
        text-align: center;
    }

    .calc-card {
        padding: 20px;
    }

    .calc-header h2 {
        font-size: 1.05rem;
    }

    .calc-slider-label {
        font-size: 0.82rem;
    }

    .calc-value {
        font-size: 0.92rem;
    }

    .calc-summary-row {
        font-size: 0.82rem;
        padding: 5px 0;
    }

    .calc-legal {
        font-size: 0.65rem !important;
    }

    .form-card {
        padding: 20px;
    }

    .offers-header {
        padding: 20px 16px;
    }

    .offers-list {
        padding: 16px;
    }

    .offer-details {
        grid-template-columns: repeat(2, 1fr);
    }

    .cookie-banner {
        flex-direction: column;
        text-align: center;
    }

    .cta-strip h2,
    .bottom-cta h2 {
        font-size: 1.4rem;
    }

    /* Tables: horizontal scroll on mobile */
    .table-wrapper {
        margin-left: -24px;
        margin-right: -24px;
        padding: 0 24px;
    }

    .comparison-table td,
    .comparison-table th,
    .content-table td,
    .content-table th {
        padding: 10px 12px;
        font-size: 0.82rem;
    }

    .lender-logo {
        width: 60px;
        height: 22px;
    }

    .btn-table {
        padding: 6px 14px;
        font-size: 0.78rem;
    }

    /* Modals mobile */
    .form-card {
        padding: 20px;
    }

    .form-header h2 {
        font-size: 1.1rem;
    }

    .offers-card {
        max-height: 96vh;
    }

    .offers-header {
        padding: 20px 16px;
    }

    .offers-header h2 {
        font-size: 1.1rem;
    }

    .offers-list {
        padding: 12px;
        gap: 12px;
    }

    .offer-card {
        padding: 16px;
    }

    .offer-header {
        flex-direction: column;
        align-items: flex-start;
        gap: 8px;
    }

    .offer-logo {
        width: 90px;
        height: 30px;
    }

    .offer-usp {
        font-size: 0.8rem;
    }

    .offer-details {
        gap: 1px;
    }

    .offer-detail {
        padding: 8px 6px;
    }

    .offer-detail-label {
        font-size: 0.65rem;
    }

    .offer-detail-value {
        font-size: 0.78rem;
    }

    /* Loading modal mobile */
    .loading-card {
        padding: 28px 20px;
    }

    /* Hero mobile */
    .hero-subtitle {
        font-size: 0.92rem;
    }

    /* Section padding mobile */
    .how-it-works,
    .benefits-section,
    .secondary-benefits,
    .comparison-section,
    .requirements-section,
    .reviews-section,
    .faq-section {
        padding: 48px 0;
    }

    .section-header {
        margin-bottom: 32px;
    }

    .section-header h2 {
        font-size: 1.4rem;
    }

    /* Stats mobile */
    .stats-section {
        margin-top: -24px;
    }

    .stat-icon svg {
        width: 20px;
        height: 20px;
    }

    /* Partners mobile */
    .partner-logo {
        font-size: 0.9rem;
        padding: 6px 12px;
    }

    /* CTA strip mobile */
    .cta-strip {
        padding: 40px 0;
    }

    .bottom-cta {
        padding: 48px 0;
    }

    /* Page hero mobile */
    .page-hero h1 {
        font-size: 1.6rem;
    }

    .page-hero .page-subtitle {
        font-size: 0.95rem;
    }

    .breadcrumbs {
        padding: 72px 0 0;
    }

    /* Summary box mobile */
    .summary-box {
        padding: 18px 20px;
    }

    /* Sidebar CTA mobile */
    .sidebar-cta {
        padding: 22px 20px;
    }

    /* Article content mobile */
    .article-content h2 {
        font-size: 1.25rem;
        margin: 32px 0 12px;
    }

    .article-content p {
        font-size: 0.9rem;
    }

    /* FAQ mobile */
    .faq-question {
        padding: 14px 16px;
        font-size: 0.88rem;
    }

    .faq-answer p {
        padding: 0 16px 14px;
        font-size: 0.85rem;
    }

    /* Footer mobile */
    .footer {
        padding: 36px 0 20px;
    }

    .footer h4 {
        font-size: 0.78rem;
        margin-bottom: 10px;
    }

    .footer-links a {
        font-size: 0.82rem;
    }

    .footer-disclaimer p {
        font-size: 0.7rem;
    }

    .footer-bottom {
        font-size: 0.72rem;
    }
}

@media (max-width: 400px) {
    .hero-title {
        font-size: 1.4rem;
    }

    .hero-badge {
        font-size: 0.75rem;
    }

    .stat-number {
        font-size: 1.1rem;
    }

    .stat-label {
        font-size: 0.72rem;
    }

    .calc-card {
        padding: 18px;
    }

    .calc-header h2 {
        font-size: 1rem;
    }

    .page-hero h1 {
        font-size: 1.4rem;
    }

    .container {
        padding: 0 16px;
    }

    .btn {
        padding: 12px 20px;
        font-size: 0.88rem;
    }

    .btn-lg {
        padding: 14px 28px;
    }
}

/* ========================================
   Mega Menu
   ======================================== */
.nav-dropdown {
    position: relative;
}

.has-dropdown {
    display: inline-flex;
    align-items: center;
    gap: 4px;
}

.mega-menu {
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%);
    padding-top: 12px;
    visibility: hidden;
    opacity: 0;
    transition: visibility 0.2s, opacity 0.2s;
    z-index: 100;
}

.nav-dropdown:hover .mega-menu {
    visibility: visible;
    opacity: 1;
}

.mega-menu-inner {
    display: grid;
    grid-template-columns: repeat(3, 200px);
    gap: 24px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 24px;
    box-shadow: 0 8px 32px rgba(0,0,0,0.1);
}

.mega-menu-4col {
    grid-template-columns: repeat(4, 180px);
}

.mega-col h4 {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--text-light);
    margin-bottom: 10px;
}

.mega-col ul {
    list-style: none;
}

.mega-col ul li {
    margin-bottom: 4px;
}

.mega-col ul a {
    display: block;
    padding: 5px 8px;
    font-size: 0.85rem;
    color: var(--text);
    border-radius: var(--radius-xs);
    transition: background 0.15s, color 0.15s;
}

.mega-col ul a:hover {
    background: #EFF6FF;
    color: var(--primary);
}

.mega-col-highlight {
    background: linear-gradient(135deg, #F0F9FF, #EFF6FF);
    border-radius: var(--radius-sm);
    padding: 16px;
    border: 1px solid #DBEAFE;
}

.mega-cta {
    margin-top: 14px;
    padding-top: 14px;
    border-top: 1px solid var(--border);
}

.mega-cta p {
    font-size: 0.8rem;
    color: var(--text-muted);
    margin-bottom: 8px;
}

.btn-sm {
    padding: 8px 18px;
    font-size: 0.82rem;
}

/* Mobile Menu Enhanced */
.mobile-menu {
    display: none;
    position: fixed;
    top: 64px;
    left: 0;
    right: 0;
    bottom: 0;
    background: #fff;
    padding: 20px 24px 40px;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    -ms-overflow-style: none;
    z-index: 999;
    border-top: 1px solid var(--border);
}

.mobile-menu::-webkit-scrollbar {
    display: none;
}

.mobile-menu.active {
    display: block;
}

.mobile-menu-section {
    margin-bottom: 16px;
    padding-bottom: 16px;
    border-bottom: 1px solid var(--border);
}

.mobile-menu-section h4 {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--text-light);
    margin-bottom: 8px;
}

.mobile-menu-section a {
    display: block;
    padding: 8px 0;
    color: var(--text);
    font-size: 0.9rem;
    font-weight: 500;
}

.hamburger.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.hamburger.active span:nth-child(2) {
    opacity: 0;
}

.hamburger.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

/* ========================================
   Breadcrumbs
   ======================================== */
.breadcrumbs {
    padding: 80px 0 0;
}

.breadcrumbs ol {
    list-style: none;
    display: flex;
    flex-wrap: wrap;
    gap: 4px;
    font-size: 0.82rem;
    color: var(--text-light);
}

.breadcrumbs li {
    display: flex;
    align-items: center;
    gap: 4px;
}

.breadcrumbs li:not(:last-child)::after {
    content: '›';
    color: var(--text-light);
    margin-left: 4px;
}

.breadcrumbs a {
    color: var(--text-muted);
}

.breadcrumbs a:hover {
    color: var(--primary);
}

/* ========================================
   Content Pages (Pillar + Articles)
   ======================================== */
.page-hero {
    padding: 24px 0 48px;
    background: linear-gradient(180deg, #EFF6FF 0%, #F0F4FF 60%, #FFFFFF 100%);
    position: relative;
    overflow: hidden;
}


.page-hero-inner {
    max-width: 800px;
    position: relative;
}

.page-hero .hero-badge {
    margin-bottom: 16px;
}

.page-hero h1 {
    font-size: 2.5rem;
    font-weight: 800;
    letter-spacing: -0.03em;
    line-height: 1.15;
    margin-bottom: 14px;
    color: var(--text);
}

.page-hero .page-subtitle {
    font-size: 1.1rem;
    color: var(--text-muted);
    line-height: 1.75;
    max-width: 640px;
}

/* Content Layout (Article + Sidebar) */
.content-layout {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 56px;
    padding: 48px 0 80px;
}

.content-main {
    min-width: 0;
}

.content-sidebar {
    position: relative;
}

.sidebar-sticky {
    position: sticky;
    top: 88px;
}

/* Article Content Styles */
.article-content h2 {
    font-size: 1.5rem;
    font-weight: 800;
    margin: 44px 0 16px;
    letter-spacing: -0.02em;
    color: var(--text);
    position: relative;
    padding-left: 16px;
}

.article-content h2::before {
    content: '';
    position: absolute;
    left: 0;
    top: 4px;
    bottom: 4px;
    width: 4px;
    background: linear-gradient(180deg, var(--primary), var(--primary-light));
    border-radius: 2px;
}

.article-content h2:first-child {
    margin-top: 0;
}

.article-content h3 {
    font-size: 1.12rem;
    font-weight: 700;
    margin: 28px 0 10px;
    color: var(--text);
}

.article-content p {
    font-size: 0.95rem;
    color: #374151;
    line-height: 1.85;
    margin-bottom: 18px;
}

.article-content ul, .article-content ol {
    margin: 0 0 20px 0;
    padding-left: 0;
    font-size: 0.95rem;
    line-height: 1.85;
    list-style: none;
}

.article-content ol {
    counter-reset: ol-counter;
}

.article-content ul > li {
    position: relative;
    padding-left: 24px;
    margin-bottom: 10px;
}

.article-content ul > li::before {
    content: '';
    position: absolute;
    left: 2px;
    top: 10px;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary-light), var(--primary));
}

.article-content ol > li {
    position: relative;
    padding-left: 36px;
    margin-bottom: 12px;
    counter-increment: ol-counter;
}

.article-content ol > li::before {
    content: counter(ol-counter);
    position: absolute;
    left: 0;
    top: 0;
    width: 24px;
    height: 24px;
    background: var(--primary);
    color: #fff;
    border-radius: 50%;
    font-size: 0.75rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
}

.article-content strong {
    font-weight: 700;
    color: var(--text);
}

.article-content a {
    color: var(--primary);
    text-decoration: underline;
    text-decoration-color: rgba(30,64,175,0.3);
    text-underline-offset: 3px;
    transition: text-decoration-color 0.2s;
}

.article-content a.btn {
    text-decoration: none !important;
    color: #fff !important;
}

.article-content a:hover {
    text-decoration-color: var(--primary);
}

/* Summary Box (GEO) */
.summary-box {
    background: linear-gradient(135deg, #EFF6FF 0%, #E0EDFF 100%);
    border: 1px solid #BFDBFE;
    border-radius: var(--radius);
    padding: 24px 28px;
    margin-bottom: 32px;
    position: relative;
    overflow: hidden;
}


.summary-box-header {
    display: flex;
    align-items: center;
    gap: 8px;
    font-weight: 800;
    font-size: 0.92rem;
    color: var(--primary);
    margin-bottom: 14px;
    letter-spacing: -0.01em;
}

.summary-box ul {
    list-style: none;
    margin: 0 !important;
    padding: 0 !important;
}

.summary-box li {
    position: relative;
    padding-left: 26px;
    font-size: 0.9rem;
    line-height: 1.7;
    margin-bottom: 8px !important;
    color: #1E3A5F;
}

.summary-box li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 6px;
    width: 16px;
    height: 16px;
    background: var(--success);
    border-radius: 50%;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E");
    background-size: 10px;
    background-position: center;
    background-repeat: no-repeat;
}

/* Info Box */
.info-box {
    background: linear-gradient(135deg, #F0F9FF 0%, #E0F2FE 100%);
    border-left: 4px solid var(--primary);
    border-radius: 0 var(--radius) var(--radius) 0;
    padding: 20px 24px;
    margin: 28px 0;
    box-shadow: 0 2px 8px rgba(30,64,175,0.06);
}

.info-box p {
    font-size: 0.88rem;
    margin: 0 0 6px;
    line-height: 1.7;
    color: #1E3A5F;
}

.info-box p:last-child {
    margin-bottom: 0;
}

/* Warning Box */
.warning-box {
    background: linear-gradient(135deg, #FFFBEB 0%, #FEF3C7 100%);
    border-left: 4px solid #D97706;
    border-radius: 0 var(--radius) var(--radius) 0;
    padding: 20px 24px;
    margin: 28px 0;
    box-shadow: 0 2px 8px rgba(217,119,6,0.08);
}

.warning-box p {
    font-size: 0.88rem;
    margin: 0;
    color: #78350F;
    line-height: 1.7;
}

/* Content Comparison Table */
.content-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    margin: 28px 0;
    font-size: 0.88rem;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: 0 2px 8px rgba(0,0,0,0.04);
}

.content-table th {
    background: linear-gradient(180deg, #F8FAFC 0%, #F1F5F9 100%);
    padding: 14px 18px;
    text-align: left;
    font-weight: 700;
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--text-muted);
    border-bottom: 2px solid var(--border);
}

.content-table td {
    padding: 14px 18px;
    border-bottom: 1px solid #F1F5F9;
    color: var(--text);
    vertical-align: middle;
}

.content-table tr:last-child td {
    border-bottom: none;
}

.content-table tbody tr {
    transition: background 0.15s;
}

.content-table tbody tr:hover td {
    background: #F8FAFF;
}

/* Author Box (E-E-A-T) */
.author-box {
    display: flex;
    gap: 16px;
    padding: 20px 24px;
    background: #fff;
    border-radius: var(--radius);
    border: 1px solid var(--border);
    margin: 0 0 28px;
    box-shadow: 0 1px 4px rgba(0,0,0,0.04);
}

.author-box .author-avatar {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.85rem;
    font-weight: 700;
    flex-shrink: 0;
    box-shadow: 0 2px 8px rgba(30,64,175,0.2);
}

.author-info {
    flex: 1;
    min-width: 0;
}

.author-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    align-items: center;
    margin-bottom: 4px;
}

.author-written {
    font-size: 0.85rem;
    color: var(--text-muted);
}

.author-written a {
    color: var(--text);
    text-decoration: none;
}

.author-role {
    font-size: 0.72rem;
    color: var(--primary);
    background: #EFF6FF;
    padding: 2px 10px;
    border-radius: 50px;
    font-weight: 600;
    border: 1px solid #DBEAFE;
}

.author-bio {
    font-size: 0.82rem;
    color: var(--text-muted);
    line-height: 1.5;
    margin: 0;
}

.author-dates {
    display: flex;
    gap: 16px;
    margin-top: 6px;
    font-size: 0.75rem;
    color: var(--text-light);
}

.author-dates span {
    display: flex;
    align-items: center;
    gap: 4px;
}

/* Sidebar Widgets */
.sidebar-widget {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 22px;
    margin-bottom: 16px;
    box-shadow: 0 1px 4px rgba(0,0,0,0.03);
}

.sidebar-widget h3 {
    font-size: 0.92rem;
    font-weight: 700;
    margin-bottom: 14px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--bg-light);
}

.sidebar-widget ul {
    list-style: none;
}

.sidebar-widget li {
    margin-bottom: 4px;
}

.sidebar-widget a {
    font-size: 0.86rem;
    color: var(--text-muted);
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 6px 8px;
    border-radius: var(--radius-xs);
    transition: all 0.15s;
}

.sidebar-widget a:hover {
    color: var(--primary);
    background: #EFF6FF;
}

.sidebar-widget a::before {
    content: '';
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--border);
    flex-shrink: 0;
    transition: background 0.15s;
}

.sidebar-widget a:hover::before {
    background: var(--primary);
}

/* Sidebar CTA */
.sidebar-cta {
    background: linear-gradient(135deg, var(--primary) 0%, #1D4ED8 50%, var(--primary-dark) 100%);
    color: #fff;
    border-radius: var(--radius);
    padding: 28px 24px;
    text-align: center;
    margin-bottom: 16px;
    position: relative;
    overflow: hidden;
    box-shadow: 0 4px 16px rgba(30,64,175,0.25);
}


.sidebar-cta h3 {
    font-size: 1.1rem;
    font-weight: 800;
    margin-bottom: 8px;
    color: #fff;
    position: relative;
}

.sidebar-cta p {
    font-size: 0.85rem;
    opacity: 0.85;
    margin-bottom: 16px;
    position: relative;
}

/* TOC */
.toc {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 22px;
    margin-bottom: 16px;
    box-shadow: 0 1px 4px rgba(0,0,0,0.03);
}

.toc h3 {
    font-size: 0.85rem;
    font-weight: 700;
    margin-bottom: 12px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--bg-light);
}

.toc ol {
    list-style: none;
    counter-reset: toc;
}

.toc li {
    counter-increment: toc;
    margin-bottom: 2px;
}

.toc a {
    font-size: 0.84rem;
    color: var(--text-muted);
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 5px 8px;
    border-radius: var(--radius-xs);
    transition: all 0.15s;
    text-decoration: none;
}

.toc a:hover {
    color: var(--primary);
    background: #EFF6FF;
}

.toc a::before {
    content: counter(toc);
    color: #fff;
    background: var(--primary-light);
    font-weight: 700;
    font-size: 0.68rem;
    min-width: 20px;
    height: 20px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.toc a:hover {
    color: var(--primary);
}

/* ========================================
   Footer Enhanced
   ======================================== */
.footer-grid-5 {
    grid-template-columns: 1.8fr repeat(4, 1fr);
}

.footer-grid-6 {
    grid-template-columns: 1.6fr repeat(4, 1fr);
    gap: 32px;
}

.footer-brand-col .footer-brand {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 12px;
}

.footer-brand-col .footer-brand svg {
    color: var(--accent);
}

.footer-trust-badges {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
}

.footer-badge {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    padding: 4px 10px;
    background: rgba(255,255,255,0.08);
    border-radius: 50px;
    font-size: 0.72rem;
    font-weight: 600;
}

.footer-disclaimer {
    padding: 20px;
    background: rgba(255,255,255,0.04);
    border-radius: var(--radius-sm);
    margin-bottom: 24px;
    border: 1px solid rgba(255,255,255,0.06);
}

.footer-disclaimer p {
    font-size: 0.75rem;
    line-height: 1.7;
    color: rgba(255,255,255,0.5);
}

/* ========================================
   Legal Pages
   ======================================== */
.legal-page {
    padding: 100px 0 80px;
}

.legal-page .legal-container {
    max-width: 800px;
    margin: 0 auto;
}

.legal-page h1 {
    font-size: 2rem;
    font-weight: 800;
    margin-bottom: 8px;
}

.legal-page .legal-updated {
    font-size: 0.85rem;
    color: var(--text-light);
    margin-bottom: 32px;
}

.legal-page h2 {
    font-size: 1.2rem;
    font-weight: 700;
    margin: 36px 0 12px;
    padding-top: 20px;
    border-top: 1px solid var(--border);
    position: relative;
    padding-left: 14px;
}

.legal-page h2::before {
    content: '';
    position: absolute;
    left: 0;
    top: 24px;
    bottom: 4px;
    width: 3px;
    background: var(--primary);
    border-radius: 2px;
}

.legal-page p {
    font-size: 0.92rem;
    line-height: 1.8;
    margin-bottom: 12px;
    color: var(--text-muted);
}

.legal-page ul {
    margin: 0 0 16px 20px;
    font-size: 0.92rem;
    line-height: 1.8;
    color: var(--text-muted);
}

/* ========================================
   Blog
   ======================================== */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    padding: 48px 0 80px;
}

.blog-card {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
    transition: transform 0.3s, box-shadow 0.3s;
    display: flex;
    flex-direction: column;
}

.blog-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 12px 32px rgba(0,0,0,0.1);
    border-color: var(--primary-light);
}

.blog-card-img {
    height: 160px;
    background: linear-gradient(135deg, #EFF6FF 0%, #DBEAFE 50%, #C7D2FE 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    position: relative;
    overflow: hidden;
}


.blog-card-body {
    padding: 22px;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.blog-card-tag {
    display: inline-block;
    padding: 3px 12px;
    background: linear-gradient(135deg, #EFF6FF, #DBEAFE);
    color: var(--primary);
    border-radius: 50px;
    font-size: 0.72rem;
    font-weight: 700;
    margin-bottom: 10px;
    align-self: flex-start;
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.blog-card-title {
    font-size: 1.05rem;
    font-weight: 800;
    margin-bottom: 10px;
    line-height: 1.35;
    letter-spacing: -0.01em;
}

.blog-card-title a {
    color: var(--text);
    text-decoration: none;
    transition: color 0.2s;
}

.blog-card-title a:hover {
    color: var(--primary);
}

.blog-card-excerpt {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.65;
    margin-bottom: 14px;
    flex: 1;
}

.blog-card-meta {
    font-size: 0.76rem;
    color: var(--text-light);
    display: flex;
    gap: 12px;
    padding-top: 12px;
    border-top: 1px solid var(--border);
}

.blog-card-meta span {
    display: flex;
    align-items: center;
    gap: 4px;
}

/* ========================================
   Tools Pages (Calculator / Comparator)
   ======================================== */
.tool-hero {
    padding: 100px 0 40px;
    background: linear-gradient(180deg, #EFF6FF 0%, #FFFFFF 100%);
    text-align: center;
}

.tool-hero h1 {
    font-size: 2.2rem;
    font-weight: 800;
    letter-spacing: -0.025em;
    margin-bottom: 8px;
}

.tool-hero p {
    font-size: 1.05rem;
    color: var(--text-muted);
    max-width: 560px;
    margin: 0 auto;
}

.tool-container {
    max-width: 700px;
    margin: 0 auto;
    padding: 48px 24px 80px;
}

/* Comparator Filters */
.comparator-filters {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
    margin-bottom: 24px;
}

.filter-group {
    flex: 1;
    min-width: 150px;
}

.filter-group label {
    display: block;
    font-size: 0.82rem;
    font-weight: 600;
    margin-bottom: 6px;
    color: var(--text-muted);
}

.filter-group select {
    width: 100%;
    padding: 10px 14px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: inherit;
    font-size: 0.88rem;
    color: var(--text);
    background: #fff;
    cursor: pointer;
    outline: none;
}

.filter-group select:focus {
    border-color: var(--primary);
}

/* ========================================
   About / Team Pages
   ======================================== */
.team-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin: 32px 0;
}

.team-card {
    text-align: center;
    padding: 32px 24px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    transition: transform 0.3s, box-shadow 0.3s;
}

.team-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 24px rgba(0,0,0,0.08);
}

.team-avatar {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    font-weight: 700;
    margin: 0 auto 12px;
}

.team-card h3 {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 4px;
}

.team-card .team-role {
    font-size: 0.82rem;
    color: var(--primary);
    margin-bottom: 8px;
}

.team-card p {
    font-size: 0.82rem;
    color: var(--text-muted);
    line-height: 1.5;
}

/* Contact Form */
.contact-form {
    max-width: 600px;
}

.contact-form .form-group {
    margin-bottom: 16px;
}

.contact-form label {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 6px;
}

.contact-form input,
.contact-form textarea {
    width: 100%;
    padding: 12px 14px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: inherit;
    font-size: 0.9rem;
    outline: none;
    transition: border-color 0.2s;
}

.contact-form input:focus,
.contact-form textarea:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(30,64,175,0.1);
}

.contact-form textarea {
    height: 140px;
    resize: vertical;
}

/* ========================================
   Values Grid
   ======================================== */
.values-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin: 32px 0;
}

.value-card {
    padding: 28px 24px;
    background: linear-gradient(135deg, #F8FAFC, #EFF6FF);
    border-radius: var(--radius);
    text-align: center;
    border: 1px solid #E2E8F0;
    transition: transform 0.3s, box-shadow 0.3s;
}

.value-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 6px 20px rgba(0,0,0,0.06);
}

.value-card h3 {
    font-size: 1rem;
    color: var(--primary);
    font-weight: 700;
    margin-bottom: 8px;
}

.value-card p {
    font-size: 0.85rem;
    color: var(--text-muted);
}

/* ========================================
   Content Page Responsive
   ======================================== */
@media (max-width: 1024px) {
    .content-layout {
        grid-template-columns: 1fr;
    }

    .content-sidebar {
        order: -1;
    }

    .sidebar-sticky {
        position: static;
    }

    .footer-grid-5,
    .footer-grid-6 {
        grid-template-columns: 1fr 1fr;
    }

    .mega-menu-4col {
        grid-template-columns: repeat(2, 180px);
    }

    .team-grid,
    .values-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .mega-menu-inner {
        grid-template-columns: repeat(2, 180px);
    }
}

@media (max-width: 768px) {
    .page-hero h1 {
        font-size: 1.6rem;
    }

    .content-layout {
        gap: 24px;
        padding: 24px 0 48px;
    }

    .content-sidebar {
        order: 1;
    }

    .blog-grid {
        grid-template-columns: 1fr;
        gap: 16px;
        padding: 32px 0 60px;
    }

    .team-grid,
    .values-grid {
        grid-template-columns: 1fr;
    }

    .footer-grid-5,
    .footer-grid-6 {
        grid-template-columns: 1fr;
    }

    .mega-menu {
        display: none;
    }

    .author-box {
        flex-direction: column;
        gap: 12px;
    }

    .comparator-filters {
        flex-direction: column;
    }

    .toc {
        padding: 16px;
    }

    .toc a {
        font-size: 0.8rem;
        padding: 4px 6px;
    }

    .sidebar-widget {
        padding: 16px;
    }

    .legal-page {
        padding: 80px 0 48px;
    }

    .legal-page h1 {
        font-size: 1.5rem;
    }

    .tool-hero {
        padding: 80px 0 24px;
    }

    .tool-hero h1 {
        font-size: 1.6rem;
    }

    .example-card {
        padding: 20px;
    }
}