/* ============================================
   KaVay.org - Shared CSS
   Multi-page, SEO-optimized financial site
   ============================================ */

:root {
    --primary: #0D47A1;
    --primary-light: #1565C0;
    --primary-dark: #0A3580;
    --accent: #FF6F00;
    --accent-light: #FF8F00;
    --accent-hover: #E65100;
    --green: #2E7D32;
    --green-light: #E8F5E9;
    --red: #D32F2F;
    --red-light: #FFEBEE;
    --bg: #FFFFFF;
    --bg-gray: #F5F7FA;
    --bg-dark: #0D1B2A;
    --text: #1A1A2E;
    --text-light: #546E7A;
    --text-muted: #78909C;
    --border: #E0E6ED;
    --radius: 16px;
    --radius-sm: 10px;
    --shadow: 0 2px 12px rgba(13,71,161,.06);
    --shadow-md: 0 4px 20px rgba(13,71,161,.08);
    --shadow-lg: 0 8px 30px rgba(13,71,161,.08);
    --shadow-hero: 0 8px 40px rgba(13,71,161,.12);
    --font: "Be Vietnam Pro", -apple-system, BlinkMacSystemFont, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body {
    font-family: var(--font);
    font-weight: 600;
    color: var(--text);
    background: var(--bg);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}
a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
.container { max-width: 1160px; margin: 0 auto; padding: 0 20px; }

/* ============ NAVBAR ============ */
.navbar {
    position: fixed; top: 0; left: 0; right: 0;
    height: 64px;
    background: rgba(255,255,255,.95);
    backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--border);
    z-index: 10000;
    transition: box-shadow .3s;
}
.navbar.scrolled { box-shadow: var(--shadow-md); }
.navbar-inner { display: flex; align-items: center; justify-content: space-between; height: 100%; }

.logo { display: flex; align-items: center; gap: 8px; font-weight: 900; font-size: 1.55rem; color: var(--primary); text-decoration: none; }
.logo:hover { text-decoration: none; }
.logo-icon {
    display: flex; align-items: center; justify-content: center;
    width: 40px; height: 46px;
    background: linear-gradient(180deg, var(--primary) 0%, #1565C0 100%);
    color: #fff;
    font-size: 1.6rem; font-weight: 900; line-height: 1;
    clip-path: path('M20 0 C28 0 36 2 40 6 L40 22 C40 34 32 42 20 46 C8 42 0 34 0 22 L0 6 C4 2 12 0 20 0Z');
    -webkit-clip-path: path('M20 0 C28 0 36 2 40 6 L40 22 C40 34 32 42 20 46 C8 42 0 34 0 22 L0 6 C4 2 12 0 20 0Z');
    padding-bottom: 2px;
}

.nav-links { display: flex; gap: 4px; }
.nav-links > li > a {
    display: flex; align-items: center; gap: 3px;
    font-weight: 700; font-size: .9rem; color: var(--text-light);
    padding: 8px 12px; border-radius: 8px; transition: all .2s; text-decoration: none;
}
.nav-links > li > a:hover { color: var(--primary); background: var(--bg-gray); }
.nav-arrow { font-size: .65rem; }

/* Dropdown */
.nav-dropdown { position: relative; }
.dropdown-menu {
    position: absolute; top: 100%; left: 0;
    background: var(--bg); border: 1px solid var(--border); border-radius: 12px;
    padding: 8px; min-width: 220px;
    box-shadow: var(--shadow-lg);
    opacity: 0; visibility: hidden; transform: translateY(8px);
    transition: all .2s;
}
.nav-dropdown:hover .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-menu li a {
    display: block; padding: 10px 14px; border-radius: 8px;
    font-weight: 700; font-size: .88rem; color: var(--text);
    transition: all .15s; text-decoration: none;
}
.dropdown-menu li a:hover { background: var(--bg-gray); color: var(--primary); }

.btn-nav { font-size: .88rem; padding: 8px 20px; }

/* Hamburger */
.hamburger {
    display: none; flex-direction: column; gap: 5px;
    background: none; border: none; cursor: pointer; padding: 8px;
    z-index: 10;
}
.hamburger span {
    display: block; width: 22px; height: 2.5px;
    background: var(--text); border-radius: 2px;
    transition: transform .3s, opacity .3s;
}
.hamburger.active span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* Mobile Menu - rendered by JS outside <nav> for z-index to work */
#mobileMenuOverlay {
    display: none;
    position: fixed; inset: 0;
    z-index: 99999;
}
#mobileMenuOverlay.open { display: block; }
#mobileMenuOverlay .mm-backdrop {
    position: absolute; inset: 0;
    background: rgba(0,0,0,.4);
    backdrop-filter: blur(2px); -webkit-backdrop-filter: blur(2px);
}
#mobileMenuOverlay .mm-panel {
    position: absolute; top: 0; right: 0;
    width: 300px; max-width: 85vw; height: 100%;
    background: var(--bg);
    box-shadow: -4px 0 24px rgba(0,0,0,.15);
    overflow-y: auto; -webkit-overflow-scrolling: touch;
    padding: 20px;
    transform: translateX(100%);
    transition: transform .3s ease;
}
#mobileMenuOverlay.open .mm-panel { transform: translateX(0); }
.mm-close {
    display: flex; align-items: center; justify-content: center;
    width: 36px; height: 36px;
    background: var(--bg-gray); border: none; border-radius: 50%;
    font-size: 1.3rem; color: var(--text-muted); cursor: pointer;
    margin-left: auto; margin-bottom: 12px;
}
.mm-close:hover { background: var(--border); color: var(--text); }
.mm-section { padding: 8px 0; border-bottom: 1px solid var(--border); }
.mm-section:last-of-type { border-bottom: none; }
.mm-label {
    display: block; font-weight: 800; font-size: .68rem;
    color: var(--text-muted); text-transform: uppercase; letter-spacing: .8px;
    padding: 10px 0 4px;
}
.mm-link {
    display: flex; align-items: center; gap: 10px;
    padding: 11px 8px; margin: 2px 0; border-radius: 10px;
    font-weight: 700; font-size: .9rem;
    color: var(--text); text-decoration: none;
    transition: background .15s, color .15s;
}
.mm-link:hover { background: var(--bg-gray); color: var(--primary); text-decoration: none; }
.mm-icon { font-size: 1rem; width: 22px; text-align: center; flex-shrink: 0; }
.mm-cta {
    display: block; width: 100%; margin-top: 16px;
    padding: 14px; text-align: center;
    background: var(--accent); color: #fff;
    border: none; border-radius: 12px;
    font-family: var(--font); font-weight: 800; font-size: .92rem;
    cursor: pointer; box-shadow: 0 4px 16px rgba(255,111,0,.3);
}
.mm-cta:hover { background: var(--accent-hover); }

/* ============ BUTTONS ============ */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 8px;
    padding: 12px 28px; border: none; border-radius: 50px;
    font-family: var(--font); font-weight: 800; font-size: 1rem;
    cursor: pointer; transition: all .2s; text-decoration: none;
}
.btn:hover { text-decoration: none; }
.btn-accent, a.btn-accent { background: var(--accent); color: #fff !important; box-shadow: 0 4px 20px rgba(255,111,0,.3); }
.btn-accent:hover { background: var(--accent-hover); transform: translateY(-2px); box-shadow: 0 6px 24px rgba(255,111,0,.4); }
.btn-primary, a.btn-primary { background: var(--primary); color: #fff !important; box-shadow: 0 4px 16px rgba(13,71,161,.2); }
.btn-primary:hover { background: var(--primary-dark); transform: translateY(-2px); }
.btn-outline { background: transparent; color: var(--primary); border: 2px solid var(--primary); }
.btn-outline:hover { background: var(--primary); color: #fff; }
.btn-full { width: 100%; }
.btn-lg { padding: 16px 36px; font-size: 1.08rem; }
.btn-sm { padding: 10px 20px; font-size: .9rem; }
.btn-arrow { font-size: 1.2rem; }

/* ============ HERO ============ */
.hero {
    padding: 100px 0 60px;
    background: linear-gradient(135deg, #EBF2FF 0%, #F5F7FA 50%, #FFF8E1 100%);
}
.hero-inner { display: grid; grid-template-columns: 1fr 420px; gap: 48px; align-items: center; }
.hero-badge {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 8px 20px;
    background: linear-gradient(135deg, rgba(13,71,161,.08), rgba(21,101,192,.12));
    border: 1px solid rgba(13,71,161,.15);
    color: var(--primary);
    border-radius: 50px; font-weight: 800; font-size: .82rem;
    margin-bottom: 20px;
    letter-spacing: .3px;
    backdrop-filter: blur(4px);
    box-shadow: 0 2px 8px rgba(13,71,161,.06);
}
.badge-icon {
    font-size: .9rem;
    width: 22px; height: 22px;
    display: flex; align-items: center; justify-content: center;
    background: var(--primary);
    color: #fff;
    border-radius: 50%;
    font-size: .65rem;
}
.hero h1 { font-size: 2.5rem; font-weight: 900; line-height: 1.2; margin-bottom: 16px; }
.text-accent { color: var(--accent); }
.hero-desc { font-size: 1.05rem; color: var(--text-light); margin-bottom: 24px; max-width: 540px; line-height: 1.7; }
.hero-trust { display: flex; gap: 16px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 6px; font-weight: 700; font-size: .88rem; color: var(--text-light); }
.trust-icon {
    display: flex; align-items: center; justify-content: center;
    width: 22px; height: 22px; background: var(--green); color: #fff;
    border-radius: 50%; font-size: .7rem; font-weight: 900;
}

/* Hero Card */
.hero-card { background: var(--bg); border-radius: 24px; box-shadow: var(--shadow-hero); overflow: hidden; }
.card-header { padding: 20px 28px; background: linear-gradient(135deg, var(--primary), var(--primary-light)); color: #fff; }
.card-header h2 { font-weight: 800; font-size: 1.15rem; }
.card-body { padding: 28px; }
.slider-group { margin-bottom: 24px; }
.slider-labels { display: flex; justify-content: space-between; margin-bottom: 10px; font-weight: 700; font-size: .92rem; }
.slider-value { color: var(--primary); font-weight: 800; }
.slider-range { display: flex; justify-content: space-between; font-size: .8rem; color: var(--text-muted); margin-top: 4px; }
.range-slider { -webkit-appearance: none; appearance: none; width: 100%; height: 10px; background: linear-gradient(to right, var(--primary) 0%, #E0E6ED 0%); border-radius: 5px; outline: none; transition: background .1s; }
.range-slider::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 28px; height: 28px; background: var(--primary); border: 4px solid #fff; border-radius: 50%; cursor: pointer; box-shadow: 0 2px 8px rgba(13,71,161,.3); }
.range-slider::-moz-range-thumb { width: 28px; height: 28px; background: var(--primary); border: 4px solid #fff; border-radius: 50%; cursor: pointer; box-shadow: 0 2px 8px rgba(13,71,161,.3); }
.range-slider::-moz-range-progress { background: var(--primary); border-radius: 5px; height: 10px; }
.card-note { text-align: center; font-size: .82rem; color: var(--text-muted); margin-top: 12px; }

/* ============ STATS BAR ============ */
.stats-bar { background: linear-gradient(135deg, var(--primary), var(--primary-light)); padding: 28px 0; color: #fff; }
.stats-inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stat-item { color: #fff; }
.stat-number { display: block; font-size: 1.8rem; font-weight: 900; }
.stats-bar .stat-label { font-size: .88rem; font-weight: 600; opacity: .85; }

/* ============ SECTIONS ============ */
.section { padding: 72px 0; }
.section-gray { background: var(--bg-gray); }
.section-title { text-align: center; font-size: 1.8rem; font-weight: 900; margin-bottom: 8px; }
.section-subtitle { text-align: center; color: var(--text-light); font-size: 1.02rem; margin-bottom: 48px; max-width: 700px; margin-left: auto; margin-right: auto; line-height: 1.6; }
.section-note { text-align: center; margin-top: 32px; font-size: .92rem; color: var(--text-light); }

/* ============ OFFER LIST (Card-based) ============ */
.offer-list { display: flex; flex-direction: column; gap: 16px; }
.offer-item {
    background: var(--bg);
    border: 1.5px solid var(--border);
    border-radius: 20px;
    padding: 24px;
    display: grid;
    grid-template-columns: 160px 1fr auto;
    gap: 20px;
    align-items: center;
    transition: all .3s;
    position: relative;
}
.offer-item:hover { box-shadow: var(--shadow-lg); border-color: var(--primary); transform: translateY(-3px); }
.offer-item.recommended {
    border: 2px solid var(--accent);
    background: linear-gradient(135deg, #FFF8E1 0%, #FFFFFF 50%);
}
.offer-item.recommended::before {
    content: '⭐ Đề xuất';
    position: absolute; top: -1px; left: 24px;
    background: linear-gradient(135deg, var(--accent), var(--accent-light));
    color: #fff; font-size: .7rem; font-weight: 800;
    padding: 4px 14px; border-radius: 0 0 10px 10px;
    letter-spacing: .3px;
    box-shadow: 0 3px 10px rgba(255,111,0,.25);
}

/* Offer Left: Logo */
.offer-item-logo {
    width: 160px; height: 60px;
    background: var(--bg); border: 1.5px solid var(--border);
    border-radius: 12px; overflow: hidden;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
}
.offer-item-logo img { width: 100%; height: 100%; object-fit: contain; padding: 6px 14px; }

/* Offer Middle: Info */
.offer-item-info { min-width: 0; }
.offer-item-name {
    font-weight: 800; font-size: 1.1rem; margin-bottom: 10px;
    display: flex; align-items: center; gap: 8px;
}
.offer-item-name .license { font-size: .68rem; font-weight: 700; color: var(--green); background: var(--green-light); padding: 2px 8px; border-radius: 50px; }
.offer-item-details {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px;
    margin-bottom: 10px;
}
.offer-item-details span {
    display: flex; flex-direction: column; gap: 2px;
    background: var(--bg-gray); border-radius: 10px; padding: 10px 12px;
    border: 1px solid var(--border); transition: border-color .2s;
}
.offer-item-details span:hover { border-color: var(--primary); }
.offer-item-details .detail-label { font-size: .7rem; color: var(--text-muted); font-weight: 700; text-transform: uppercase; letter-spacing: .3px; }
.offer-item-details .dl-icon { font-style: normal; }
.offer-item-details .detail-value { font-weight: 800; font-size: .9rem; color: var(--text); }
.offer-item-details .detail-value.green { color: var(--green); }
.offer-item-tags { display: flex; flex-wrap: wrap; gap: 6px; }
.tag-sm {
    display: inline-block; padding: 3px 10px; background: var(--green-light);
    color: var(--green); border-radius: 50px; font-size: .72rem; font-weight: 700;
}

/* Offer Right: CTA */
.offer-item-cta { text-align: center; flex-shrink: 0; }
.offer-item-cta .btn { white-space: nowrap; }

/* Table note */
.table-note { font-size: .82rem; color: var(--text-muted); text-align: center; margin-top: 16px; }

/* Legacy table classes kept for compatibility */
.table-responsive { overflow-x: auto; margin-bottom: 16px; border-radius: 16px; border: 1px solid var(--border); }
.comparison-table { width: 100%; border-collapse: collapse; background: var(--bg); }
.comparison-table thead { background: linear-gradient(135deg, var(--primary), var(--primary-light)); }
.comparison-table th { padding: 14px 16px; font-weight: 800; font-size: .78rem; color: #fff; text-transform: uppercase; letter-spacing: .5px; text-align: left; white-space: nowrap; }
.comparison-table td { padding: 16px; border-bottom: 1px solid var(--border); font-size: .88rem; vertical-align: middle; }
.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table tbody tr:hover { background: #F0F4FF; }
.row-recommended { background: #FFF8E1 !important; }
.td-company { display: flex; align-items: center; gap: 12px; min-width: 160px; }
.company-logo { width: 80px; height: 32px; border-radius: 6px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; overflow: hidden; }
.company-logo.has-img { background: var(--bg); border: 1.5px solid var(--border); }
.company-logo img { width: 100%; height: 100%; object-fit: contain; padding: 3px 6px; }
.company-info strong { display: block; font-size: .88rem; }
.license-badge { display: inline-flex; align-items: center; gap: 3px; font-size: .68rem; font-weight: 700; color: var(--green); }
.license-badge::before { content: '✓'; font-size: .6rem; }
.text-green { color: var(--green); }
.td-amount { font-weight: 800; color: var(--primary); }
.td-rate .rate-main { display: block; font-weight: 800; }
.td-rate .rate-sub { display: block; font-size: .72rem; color: var(--text-muted); }
.td-approval { display: inline-flex; align-items: center; gap: 4px; background: #E3F2FD; color: var(--primary); padding: 3px 8px; border-radius: 50px; font-size: .75rem; font-weight: 700; }

/* Offer list responsive */
@media (max-width: 960px) {
    .offer-item { grid-template-columns: 140px 1fr auto; gap: 16px; }
    .offer-item-logo { width: 140px; height: 52px; }
    .offer-item-details { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
    .offer-item {
        grid-template-columns: 1fr;
        gap: 14px;
        padding: 20px;
    }
    .offer-item-logo { width: 120px; height: 44px; }
    .offer-item-name { font-size: 1rem; }
    .offer-item-details { grid-template-columns: repeat(2, 1fr); gap: 6px; }
    .offer-item-details span { padding: 8px 10px; }
    .offer-item-details .detail-value { font-size: .85rem; }
    .offer-item-cta { width: 100%; }
    .offer-item-cta .btn { width: 100%; }
}
@media (max-width: 480px) {
    .offer-item { padding: 16px; border-radius: 16px; }
    .offer-item-logo { width: 100px; height: 38px; }
    .offer-item-name { font-size: .92rem; flex-wrap: wrap; }
    .offer-item-details { grid-template-columns: 1fr 1fr; gap: 6px; }
    .offer-item-details span { padding: 7px 8px; border-radius: 8px; }
    .offer-item-details .detail-label { font-size: .62rem; }
    .offer-item-details .detail-value { font-size: .8rem; }
    .tag-sm { font-size: .68rem; padding: 2px 8px; }
}

/* ============ STEPS ============ */
.steps-grid { display: flex; align-items: flex-start; justify-content: center; gap: 12px; }
.step-card {
    flex: 1; max-width: 260px; background: var(--bg); border: 1px solid var(--border);
    border-radius: var(--radius); padding: 28px 20px; text-align: center; transition: all .3s;
}
.step-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.step-number {
    display: inline-flex; align-items: center; justify-content: center;
    width: 32px; height: 32px; background: var(--primary); color: #fff;
    border-radius: 50%; font-weight: 900; font-size: .9rem; margin-bottom: 12px;
}
.step-icon { font-size: 2rem; margin-bottom: 12px; }
.step-card h3 { font-weight: 800; margin-bottom: 8px; font-size: 1.05rem; }
.step-card p { color: var(--text-light); font-size: .9rem; }
.step-arrow { font-size: 1.3rem; color: var(--primary); font-weight: 900; margin-top: 56px; }

/* ============ OFFER CARDS ============ */
.offers-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.offer-card {
    background: var(--bg); border: 1px solid var(--border); border-radius: 20px;
    padding: 0; position: relative; transition: all .3s; overflow: hidden;
}
.offer-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.offer-recommended { border: 2px solid var(--accent); }
.offer-badge {
    position: absolute; top: 0; right: 20px; background: linear-gradient(135deg, var(--accent), var(--accent-light)); color: #fff;
    font-size: .72rem; font-weight: 800; padding: 6px 14px;
    border-radius: 0 0 10px 10px; letter-spacing: .5px; box-shadow: 0 4px 12px rgba(255,111,0,.3);
}
.offer-card-inner { padding: 28px; }
.offer-header { display: flex; align-items: center; gap: 14px; margin-bottom: 20px; }
.offer-logo {
    width: 140px; height: 52px; background: var(--primary); color: #fff;
    border-radius: 12px; display: flex; align-items: center; justify-content: center;
    font-weight: 900; font-size: 1rem; overflow: hidden; flex-shrink: 0;
}
.offer-logo.has-img { background: var(--bg); border: 1.5px solid var(--border); }
.offer-logo img { width: 100%; height: 100%; object-fit: contain; padding: 6px 12px; }
.offer-name { font-weight: 800; font-size: 1.2rem; display: block; margin-bottom: 2px; }
.offer-license {
    display: inline-flex; align-items: center; gap: 4px;
    font-size: .75rem; font-weight: 700; color: var(--green);
    background: var(--green-light); padding: 3px 10px; border-radius: 50px;
}
.offer-stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; margin-bottom: 16px; }
.offer-stat {
    background: var(--bg-gray); padding: 12px 14px; border-radius: 12px;
    border: 1px solid transparent; transition: border-color .2s;
}
.offer-stat:hover { border-color: var(--primary); }
.offer-stat .stat-icon { font-size: 1rem; margin-bottom: 4px; display: block; }
.offer-stat .stat-label { display: block; font-size: .72rem; color: var(--text-muted); font-weight: 700; margin-bottom: 3px; text-transform: uppercase; letter-spacing: .3px; }
.offer-stat .stat-val { font-weight: 800; font-size: .95rem; color: var(--text); }
.offer-stat .stat-val.highlight { color: var(--primary); }
.offer-stat .stat-val.green { color: var(--green); }
.offer-tags { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 20px; }
.tag {
    display: inline-flex; align-items: center; gap: 4px; padding: 5px 12px;
    background: var(--green-light); color: var(--green); border-radius: 50px;
    font-size: .78rem; font-weight: 700;
}
.tag-icon { font-size: .85rem; }
.offer-cta { padding: 0 28px 28px; }
.offer-cta .btn { font-size: .95rem; }
.offers-cta { text-align: center; margin-top: 36px; }

/* ============ BENEFITS ============ */
.benefits-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-bottom: 48px; }
.benefits-grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.benefit-card {
    background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius);
    padding: 28px 20px; text-align: center; transition: all .3s;
}
.benefit-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.benefit-icon { font-size: 2.2rem; margin-bottom: 12px; }
.benefit-card h3 { font-weight: 800; margin-bottom: 8px; font-size: 1.05rem; }
.benefit-card p { color: var(--text-light); font-size: .9rem; }
.benefit-card a { color: var(--primary); }

.highlight-box {
    background: linear-gradient(135deg, #EBF2FF, #FFF8E1);
    border-radius: 24px; padding: 40px;
    display: flex; align-items: center; justify-content: space-between; gap: 40px;
}
.highlight-content h3 { font-size: 1.5rem; font-weight: 900; margin-bottom: 12px; }
.highlight-content p { color: var(--text-light); margin-bottom: 20px; max-width: 500px; }
.highlight-visual { text-align: center; flex-shrink: 0; }
.highlight-badge {
    display: flex; align-items: center; justify-content: center;
    width: 100px; height: 100px;
    background: linear-gradient(135deg, var(--accent), var(--accent-light));
    color: #fff; border-radius: 50%; font-size: 2rem; font-weight: 900;
    margin: 0 auto 8px; box-shadow: 0 4px 20px rgba(255,111,0,.35);
}
.highlight-visual span { font-weight: 700; font-size: .9rem; color: var(--text-light); }

/* ============ CONDITIONS ============ */
.conditions-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.conditions-grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.condition-card {
    background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius);
    padding: 28px 20px; text-align: center; transition: all .3s;
}
.condition-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.condition-icon { font-size: 2.2rem; margin-bottom: 12px; }
.condition-card h3 { font-weight: 800; margin-bottom: 8px; }
.condition-card p { color: var(--text-light); font-size: .9rem; }
.condition-card a { color: var(--primary); }

/* ============ CTA STRIP ============ */
.cta-strip { background: linear-gradient(135deg, var(--primary), var(--primary-light)); padding: 40px 0; color: #fff; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.cta-strip h2 { color: #fff; font-weight: 900; font-size: 1.4rem; }
.cta-strip p { color: rgba(255,255,255,.85); font-weight: 600; }
.cta-strip a, .cta-strip .btn { color: #fff !important; }

/* ============ REVIEWS ============ */
.reviews-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 24px; }
.review-card {
    background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius);
    padding: 28px; transition: all .3s;
}
.review-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.review-stars { color: #FFC107; font-size: 1.1rem; margin-bottom: 12px; letter-spacing: 2px; }
.review-text { color: var(--text-light); font-size: .95rem; font-style: italic; margin-bottom: 20px; line-height: 1.6; }
.review-text a { color: var(--primary); font-style: normal; }
.review-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
    width: 42px; height: 42px; background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center;
    font-weight: 800; font-size: .85rem;
}
.author-name { display: block; font-weight: 800; font-size: .92rem; }
.author-info { display: block; font-size: .8rem; color: var(--text-muted); }

/* ============ LINKS GRID ============ */
.links-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.link-card {
    display: block; background: var(--bg); border: 1px solid var(--border);
    border-radius: var(--radius); padding: 24px; transition: all .3s; text-decoration: none; color: var(--text);
}
.link-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); text-decoration: none; border-color: var(--primary); }
.link-icon { font-size: 1.8rem; margin-bottom: 10px; }
.link-card h3 { font-weight: 800; font-size: 1.02rem; margin-bottom: 6px; color: var(--primary); }
.link-card p { color: var(--text-light); font-size: .88rem; }

/* ============ ARTICLE LAYOUT ============ */
.article-layout { display: grid; grid-template-columns: 1fr 340px; gap: 40px; align-items: start; }
.article-content h2 { font-size: 1.5rem; font-weight: 900; margin-bottom: 16px; }
.article-content h3 { font-size: 1.12rem; font-weight: 800; margin: 28px 0 10px; color: var(--primary); }
.article-content p { color: var(--text-light); margin-bottom: 14px; line-height: 1.7; }
.article-content ul, .article-content ol { margin: 8px 0 16px 20px; }
.article-content ul { list-style: disc; }
.article-content ol { list-style: decimal; }
.article-content li { color: var(--text-light); margin-bottom: 8px; line-height: 1.6; }
.article-content a { color: var(--primary); }
.article-content strong { color: var(--text); }
.article-content blockquote {
    border-left: 4px solid var(--primary); margin: 20px 0; padding: 16px 20px;
    background: var(--bg-gray); border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    font-style: italic; color: var(--text-light);
}

.sidebar-card {
    background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius);
    padding: 24px; margin-bottom: 20px;
}
.sidebar-card:first-child { position: static; }
.sidebar-card h3 { font-weight: 800; font-size: 1.08rem; margin-bottom: 16px; }
.sidebar-list li { border-bottom: 1px solid var(--border); }
.sidebar-list li:last-child { border-bottom: none; }
.sidebar-list li a, .sidebar-list li span {
    display: block;
    padding: 10px 0; font-weight: 700; font-size: .9rem; color: var(--text); text-decoration: none;
}
.sidebar-list li a:hover { color: var(--primary); }
.sidebar-tag { font-size: .75rem; font-weight: 700; color: var(--green); background: var(--green-light); padding: 2px 8px; border-radius: 4px; }
.sidebar-cta { background: linear-gradient(135deg, #EBF2FF, #FFF8E1); border: none; text-align: center; }
.sidebar-cta p { color: var(--text-light); font-size: .9rem; margin-bottom: 12px; }

/* ============ FAQ ============ */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 12px; overflow: hidden; transition: .3s; }
.faq-item:hover { box-shadow: var(--shadow); }
.faq-question {
    display: flex; justify-content: space-between; align-items: center;
    width: 100%; padding: 18px 24px; background: var(--bg); border: none;
    font-family: var(--font); font-weight: 700; font-size: 1rem; color: var(--text);
    cursor: pointer; text-align: left;
}
.faq-toggle { font-size: 1.4rem; font-weight: 700; color: var(--primary); transition: transform .3s; flex-shrink: 0; width: 28px; text-align: center; }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-answer p { padding: 0 24px 18px; color: var(--text-light); line-height: 1.7; }
.faq-answer a { color: var(--primary); }
.faq-item.active .faq-toggle { transform: rotate(45deg); }
.faq-item.active .faq-answer { max-height: 400px; }

/* ============ BOTTOM CTA ============ */
.bottom-cta { background: linear-gradient(135deg, var(--bg-dark), #162944); padding: 72px 0; text-align: center; color: #fff; }
.bottom-cta h2 { color: #fff; font-size: 2rem; font-weight: 900; margin-bottom: 12px; }
.bottom-cta p { color: rgba(255,255,255,.7); margin-bottom: 28px; font-size: 1.1rem; }
.bottom-cta a, .bottom-cta .btn { color: #fff !important; }

/* ============ FOOTER ============ */
.footer { background: var(--bg-dark); padding: 48px 0 0; }
.footer-inner { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr 1fr; gap: 32px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer-brand .logo { margin-bottom: 12px; }
.footer-brand .logo .logo-text { color: #fff; }
.footer-brand p { color: rgba(255,255,255,.6); font-size: .88rem; line-height: 1.6; margin-bottom: 8px; }
.footer-disclaimer-inline { font-size: .82rem !important; color: rgba(255,255,255,.45) !important; }
.footer-links h4 { color: #fff; font-weight: 800; margin-bottom: 16px; font-size: .95rem; }
.footer-links li { margin-bottom: 8px; }
.footer-links a, .footer-links li { color: rgba(255,255,255,.6); font-size: .88rem; text-decoration: none; }
.footer-links a:hover { color: #fff; text-decoration: none; }
.footer-bottom { padding: 20px 0; text-align: center; }
.footer-bottom p { color: rgba(255,255,255,.5); font-size: .82rem; margin-bottom: 4px; }
.footer-disclaimer { font-size: .78rem !important; color: rgba(255,255,255,.35) !important; max-width: 800px; margin: 0 auto; line-height: 1.5; }

/* ============ STICKY BAR ============ */
.sticky-bar {
    position: fixed; bottom: 0; left: 0; right: 0;
    background: var(--bg); border-top: 3px solid var(--accent);
    padding: 12px 0; z-index: 900;
    transform: translateY(100%); transition: transform .4s ease;
    box-shadow: 0 -4px 20px rgba(0,0,0,.1);
}
.sticky-bar.visible { transform: translateY(0); }
.sticky-inner { display: flex; align-items: center; justify-content: space-between; }
.sticky-text strong { display: block; font-weight: 800; font-size: .95rem; }
.sticky-text span { font-size: .82rem; color: var(--text-light); }

/* ============ MODALS ============ */
.modal-overlay {
    position: fixed; inset: 0; background: rgba(0,0,0,.5);
    backdrop-filter: blur(4px); -webkit-backdrop-filter: blur(4px);
    z-index: 100000; display: none; align-items: center; justify-content: center; padding: 20px;
}
.modal-overlay.active { display: flex; }
.modal {
    background: var(--bg); border-radius: 24px; padding: 36px;
    max-width: 480px; width: 100%; position: relative;
    animation: modalIn .3s ease; max-height: 90vh; overflow-y: auto;
}
.modal-close {
    position: absolute; top: 12px; right: 16px; width: 36px; height: 36px;
    background: var(--bg-gray); border: none; border-radius: 50%;
    font-size: 1.4rem; color: var(--text-muted); cursor: pointer;
    display: flex; align-items: center; justify-content: center; transition: .2s;
}
.modal-close:hover { background: var(--border); color: var(--text); }
.modal-header { text-align: center; margin-bottom: 28px; }
.modal-header h2 { font-size: 1.4rem; font-weight: 900; margin-bottom: 4px; }
.modal-header p { color: var(--text-light); font-size: .95rem; }

/* Form */
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-weight: 700; font-size: .9rem; margin-bottom: 6px; }
.form-group input, .form-group select {
    width: 100%; padding: 12px 16px; border: 1.5px solid var(--border);
    border-radius: var(--radius-sm); font-family: var(--font); font-weight: 600;
    font-size: .95rem; color: var(--text); background: var(--bg); transition: border-color .2s; outline: none;
}
.form-group input:focus, .form-group select:focus { border-color: var(--primary); }
.form-group input::placeholder { color: var(--text-muted); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-check { display: flex; align-items: flex-start; gap: 8px; margin-bottom: 20px; }
.form-check input[type="checkbox"] { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--primary); flex-shrink: 0; }
.form-check label { font-size: .85rem; color: var(--text-light); line-height: 1.4; }
.form-check a { color: var(--primary); text-decoration: underline; }
.form-skip {
    display: block; width: 100%; text-align: center; margin-top: 12px; padding: 8px;
    background: none; border: none; font-family: var(--font); font-weight: 700;
    font-size: .9rem; color: var(--text-muted); cursor: pointer; transition: color .2s;
}
.form-skip:hover { color: var(--primary); }

/* Loading */
#loadingOverlay { z-index: 100001; background: rgba(255,255,255,.97); backdrop-filter: blur(12px); }
.loading-content { text-align: center; display: flex; flex-direction: column; align-items: center; gap: 24px; }
.loading-text { font-weight: 700; color: var(--text-light); max-width: 360px; font-size: 1.1rem; }
.countdown-spinner {
    position: relative;
    width: 80px; height: 80px;
}
.countdown-ring {
    width: 80px; height: 80px;
    border: 4px solid var(--border);
    border-top-color: var(--primary);
    border-right-color: var(--primary);
    border-radius: 50%;
    animation: spin 1s linear infinite;
}
.countdown-num {
    position: absolute;
    inset: 0;
    display: flex; align-items: center; justify-content: center;
    font-size: 2rem; font-weight: 900; color: var(--primary);
    animation: pulse 1s ease infinite;
}
.loading-steps { display: flex; flex-direction: column; gap: 10px; margin-top: 8px; }
.loading-step { display: flex; align-items: center; gap: 10px; font-weight: 700; font-size: .95rem; color: var(--text-muted); transition: color .3s; }
.loading-step.active { color: var(--primary); }
.loading-step.done { color: var(--green); }
.step-check {
    width: 24px; height: 24px; border: 2px solid var(--border); border-radius: 50%;
    flex-shrink: 0; display: flex; align-items: center; justify-content: center;
    font-size: .7rem; transition: all .3s;
}
.loading-step.active .step-check { border-color: var(--primary); }
.loading-step.done .step-check { border-color: var(--green); background: var(--green); color: #fff; }
.loading-step.done .step-check::after { content: "✓"; }

/* Offers Modal */
.offers-modal {
    background: var(--bg); border-radius: 24px; max-width: 720px; width: 100%;
    max-height: 90vh; overflow-y: auto; position: relative;
    animation: modalSlideIn .35s ease; box-shadow: 0 24px 80px rgba(0,0,0,.25);
    scrollbar-width: none; -ms-overflow-style: none;
}
.offers-modal::-webkit-scrollbar { display: none; }
.offers-modal-header {
    padding: 24px 32px 20px; text-align: center; position: sticky; top: 0;
    background: var(--bg); z-index: 2; border-bottom: 1px solid var(--border);
}
.offers-modal .modal-close {
    position: sticky; top: 8px; float: right; z-index: 3;
    width: 40px; height: 40px; background: var(--bg-gray); border: none; border-radius: 50%;
    font-size: 1.5rem; color: var(--text-muted); cursor: pointer;
    display: flex; align-items: center; justify-content: center; margin: 8px 8px -32px 0;
}
.offers-modal .modal-close:hover { background: var(--border); color: var(--text); }
.offers-social-proof {
    display: inline-flex; align-items: center; gap: 6px;
    background: linear-gradient(135deg, #FFF3E0, #FFF8E1); color: var(--accent-hover);
    padding: 6px 18px; border-radius: 50px; font-size: .82rem; font-weight: 800;
    margin-bottom: 12px; border: 1px solid rgba(255,111,0,.15);
}
.offers-modal-header h2 { font-size: 1.4rem; font-weight: 900; margin-bottom: 4px; }
.offers-modal-header p { color: var(--text-light); font-size: .88rem; }
.offers-modal-list { padding: 16px 20px 24px; display: flex; flex-direction: column; gap: 16px; }
.offer-modal-item {
    border: 1px solid var(--border); border-radius: 20px; padding: 0;
    transition: all .3s; overflow: hidden; background: var(--bg);
}
.offer-modal-item:hover { box-shadow: var(--shadow-md); border-color: var(--primary); }
.offer-modal-item.recommended {
    border: 2px solid var(--accent);
    background: linear-gradient(135deg, #FFF8E1 0%, #FFFFFF 40%);
    position: relative;
}
.offer-modal-item .offer-badge {
    position: absolute; top: 0; right: 20px;
    background: linear-gradient(135deg, var(--accent), var(--accent-light));
    box-shadow: 0 4px 12px rgba(255,111,0,.3);
    padding: 6px 14px; border-radius: 0 0 10px 10px;
}
.offer-modal-inner { padding: 24px; }
.offer-modal-item .offer-header { display: flex; align-items: center; gap: 14px; margin-bottom: 16px; }
.offer-modal-item .offer-stats {
    display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; margin-bottom: 14px;
}
.offer-modal-item .offer-stat {
    background: var(--bg-gray); padding: 12px 14px; border-radius: 12px;
    display: flex; align-items: flex-start; gap: 10px;
}
.offer-modal-item .offer-stat .stat-icon-wrap {
    width: 32px; height: 32px; border-radius: 8px;
    display: flex; align-items: center; justify-content: center;
    font-size: .9rem; flex-shrink: 0;
    background: #E3F2FD; color: var(--primary);
}
.offer-modal-item .offer-stat .stat-icon-wrap.green { background: var(--green-light); color: var(--green); }
.offer-modal-item .offer-stat .stat-icon-wrap.orange { background: #FFF3E0; color: var(--accent-hover); }
.offer-modal-item .offer-stat .stat-icon-wrap.purple { background: #F3E5F5; color: #7B1FA2; }
.offer-modal-item .offer-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 16px; }
.offer-modal-item .btn { font-size: .95rem; }
.offer-modal-item .btn-accent { box-shadow: 0 4px 16px rgba(255,111,0,.35); }
.offer-modal-item .btn-primary { box-shadow: 0 4px 12px rgba(13,71,161,.2); }

/* ============ PAGE HERO (for inner pages) ============ */
.page-hero {
    padding: 96px 0 40px;
    background: linear-gradient(135deg, #EBF2FF 0%, #F5F7FA 100%);
}
.page-hero .container { max-width: 860px; }
.breadcrumb {
    display: flex; align-items: center; gap: 6px;
    margin-bottom: 16px; font-size: .85rem; color: var(--text-muted);
}
.breadcrumb a { color: var(--text-muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--primary); }
.breadcrumb span { color: var(--text-muted); }
.page-hero h1 { font-size: 2.2rem; font-weight: 900; margin-bottom: 12px; line-height: 1.25; }
.page-hero .hero-desc { max-width: 100%; }
.page-hero .page-meta { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 16px; font-size: .85rem; color: var(--text-muted); }
.page-meta-item { display: flex; align-items: center; gap: 4px; }

/* ============ CALCULATOR ============ */
.calc-card {
    background: var(--bg); border: 1px solid var(--border); border-radius: 24px;
    padding: 32px; box-shadow: var(--shadow-hero); max-width: 600px; margin: 0 auto;
}
.calc-card h2 { font-size: 1.3rem; font-weight: 900; margin-bottom: 24px; text-align: center; }
.calc-result {
    background: linear-gradient(135deg, #EBF2FF, #FFF8E1);
    border-radius: var(--radius); padding: 24px; margin-top: 24px; text-align: center;
}
.calc-result-row { display: flex; justify-content: space-between; padding: 8px 0; border-bottom: 1px solid var(--border); }
.calc-result-row:last-child { border-bottom: none; }
.calc-result-label { color: var(--text-light); font-weight: 700; }
.calc-result-value { font-weight: 800; color: var(--text); }
.calc-result-total { font-size: 1.8rem; font-weight: 900; color: var(--primary); margin: 12px 0 4px; }
.calc-result-sub { font-size: .9rem; color: var(--text-light); }

/* ============ REVIEW PAGE ============ */
.review-hero-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 24px; }
.review-stat-card {
    background: var(--bg); border: 1px solid var(--border); border-radius: 12px;
    padding: 16px; text-align: center;
}
.review-stat-card .stat-label { display: block; font-size: .78rem; color: var(--text-muted); font-weight: 700; margin-bottom: 4px; }
.review-stat-card .stat-val { font-weight: 900; font-size: 1.1rem; color: var(--primary); }

.pros-cons { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin: 24px 0; }
.pros-box, .cons-box { padding: 20px; border-radius: var(--radius); }
.pros-box { background: var(--green-light); }
.cons-box { background: var(--red-light); }
.pros-box h3 { color: var(--green); font-size: 1rem; margin-bottom: 12px; }
.cons-box h3 { color: var(--red); font-size: 1rem; margin-bottom: 12px; }
.pros-box li, .cons-box li { margin-bottom: 8px; font-size: .92rem; color: var(--text); }
.pros-box ul, .cons-box ul { margin-left: 16px; list-style: disc; }

/* ============ ABOUT PAGE ============ */
.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin: 32px 0; }
.team-card {
    background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius);
    padding: 28px; text-align: center;
}
.team-avatar {
    width: 80px; height: 80px; border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: #fff; display: flex; align-items: center; justify-content: center;
    font-size: 1.5rem; font-weight: 900; margin: 0 auto 12px;
}
.team-card h3 { font-weight: 800; font-size: 1.05rem; margin-bottom: 4px; }
.team-card .team-role { color: var(--primary); font-weight: 700; font-size: .88rem; margin-bottom: 8px; }
.team-card p { color: var(--text-light); font-size: .88rem; }
.team-avatar.purple { background: linear-gradient(135deg, #6C63FF, #8B83FF); }
.team-avatar.teal { background: linear-gradient(135deg, #00BFA5, #26D0B0); }

/* --- Container Variants --- */
.container-narrow { max-width: 860px; margin: 0 auto; padding: 0 20px; }
.container-xs { max-width: 680px; margin: 0 auto; padding: 0 20px; }

/* --- Contact Grid (About Page) --- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 32px; }
.contact-card { text-align: center; margin-bottom: 0; }
.contact-card .contact-icon { font-size: 2rem; margin-bottom: 12px; }
.contact-card h3 { font-size: 1rem; margin-bottom: 8px; }
.contact-card p { color: var(--text-light); font-size: .9rem; }
.contact-card a { color: var(--primary); }
.partner-card { margin-top: 24px; text-align: center; }
.partner-card h3 { font-size: 1rem; margin-bottom: 8px; }
.partner-card p { color: var(--text-light); font-size: .9rem; margin-bottom: 0; }

/* --- Offer Card Description --- */
.offer-desc { color: var(--text-light); font-size: .92rem; line-height: 1.7; margin-bottom: 12px; }
.offer-desc strong { color: var(--text); }
.offer-desc-link { color: var(--text-light); font-size: .92rem; line-height: 1.7; margin-bottom: 20px; }

/* --- Footer Links Spacer --- */
.footer-links-spacer { margin-top: 20px; }

/* --- Mobile Menu Top Margin --- */
.mt-mobile { margin-top: 16px; }

/* --- Highlight Box Spacing --- */
.highlight-box-spaced { margin: 32px 0; }

@media (max-width: 480px) {
    .contact-grid { grid-template-columns: 1fr; }
}

/* ============ ENHANCED COMPONENTS ============ */

/* --- Page Hero (Gradient) --- */
.hero-gradient {
    padding: 100px 0 48px;
    color: #fff;
    position: relative;
    overflow: hidden;
}
.hero-gradient::before {
    content: '';
    position: absolute;
    top: -60%;
    right: -20%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(255,255,255,.08) 0%, transparent 70%);
    border-radius: 50%;
}
.hero-gradient::after {
    content: '';
    position: absolute;
    bottom: -40%;
    left: -10%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(255,255,255,.05) 0%, transparent 70%);
    border-radius: 50%;
}
.hero-gradient .container { position: relative; z-index: 1; }
.hero-gradient .container-narrow { max-width: 800px; }
.hero-gradient h1, .hero-gradient h2, .hero-gradient h3 { color: #fff; }
.hero-gradient p, .hero-gradient .hero-desc { color: rgba(255,255,255,.85); }
.hero-gradient a { color: #fff; }
.hero-gradient .breadcrumb { color: rgba(255,255,255,.7); }
.hero-gradient .breadcrumb a { color: rgba(255,255,255,.7); text-decoration: none; }
.hero-gradient .breadcrumb a:hover { color: #fff; }
.hero-gradient .breadcrumb > span:last-child { color: #fff; }
.hero-gradient .stat-cards { margin-top: 24px; }
.hero-gradient .stat-card {
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.2);
    backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
    border-radius: 14px; padding: 16px 12px;
}
.hero-gradient .stat-card:hover { background: rgba(255,255,255,.2); border-color: rgba(255,255,255,.35); }
.hero-gradient .stat-card-label { color: rgba(255,255,255,.65); font-size: .7rem; }
.hero-gradient .stat-card-value { color: #fff; font-size: 1.6rem; }
.hero-gradient .article-meta { color: rgba(255,255,255,.75); }
.hero-gradient .article-meta-item { color: rgba(255,255,255,.75); }
.hero-gradient .btn { color: #fff; }
.cta-box .btn-outline-white { color: #fff; border-color: rgba(255,255,255,.5); margin-left: 12px; }
.cta-box .btn-outline-white:hover { background: rgba(255,255,255,.15); color: #fff; }
.hero-gradient.blue { background: linear-gradient(135deg, #0D47A1 0%, #1565C0 50%, #1976D2 100%); }
.hero-gradient.purple { background: linear-gradient(135deg, #4A148C 0%, #7B1FA2 50%, #9C27B0 100%); }
.hero-gradient.teal { background: linear-gradient(135deg, #004D40 0%, #00695C 50%, #00897B 100%); }
.hero-gradient.orange { background: linear-gradient(135deg, #BF360C 0%, #E64A19 50%, #FF5722 100%); }
.hero-gradient.indigo { background: linear-gradient(135deg, #1A237E 0%, #283593 50%, #3949AB 100%); }
.hero-gradient.dark { background: linear-gradient(135deg, #0D1B2A 0%, #1B2838 50%, #263238 100%); }
.hero-gradient.rose { background: linear-gradient(135deg, #880E4F 0%, #AD1457 50%, #C2185B 100%); }
.hero-gradient.emerald { background: linear-gradient(135deg, #1B5E20 0%, #2E7D32 50%, #388E3C 100%); }

/* --- Article Meta --- */
.article-meta {
    display: flex;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
    font-size: .88rem;
    opacity: .85;
    margin-top: 16px;
}
.article-meta-item {
    display: inline-flex;
    align-items: center;
    gap: 6px;
}
.article-meta-dot { opacity: .5; }
.tag-pill {
    display: inline-block;
    padding: 4px 14px;
    border-radius: 50px;
    font-size: .78rem;
    font-weight: 800;
    letter-spacing: .3px;
}
.tag-pill.white { background: rgba(255,255,255,.18); color: #fff; }
.tag-pill.blue { background: var(--primary-light); color: var(--primary); background: #E3F2FD; }
.tag-pill.orange { background: #FFF3E0; color: #E65100; }
.tag-pill.green { background: #E8F5E9; color: #2E7D32; }
.tag-pill.red { background: #FFEBEE; color: #C62828; }
.tag-pill.purple { background: #F3E5F5; color: #6A1B9A; }

/* --- Article Body (Rich Content) --- */
.article-body {
    max-width: 800px;
    margin: 0 auto;
    padding: 48px 20px 64px;
    font-size: 1rem;
    line-height: 1.85;
    color: var(--text);
}
.article-body h2 {
    font-size: 1.5rem;
    font-weight: 900;
    margin: 48px 0 16px;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--border);
    color: var(--text);
}
.article-body h3 {
    font-size: 1.15rem;
    font-weight: 800;
    margin: 32px 0 12px;
    color: var(--primary);
}
.article-body p { margin-bottom: 16px; }
.article-body ul, .article-body ol {
    padding-left: 24px;
    margin: 12px 0 20px;
}
.article-body ul { list-style: disc; }
.article-body ol { list-style: decimal; }
.article-body li {
    margin-bottom: 8px;
    line-height: 1.7;
    padding-left: 4px;
}
.article-body a { color: var(--primary); text-decoration: underline; text-underline-offset: 2px; }
.article-body a:hover { color: var(--primary-dark); }
.article-body strong { color: var(--text); font-weight: 800; }
.article-body img {
    border-radius: 12px;
    margin: 24px 0;
    box-shadow: var(--shadow);
}

/* --- Callout Boxes --- */
.callout {
    border-radius: 12px;
    padding: 20px 24px;
    margin: 24px 0;
    border-left: 4px solid;
    position: relative;
}
.callout-title {
    font-weight: 800;
    font-size: .92rem;
    margin-bottom: 8px;
    display: flex;
    align-items: center;
    gap: 8px;
}
.callout p:last-child { margin-bottom: 0; }
.callout.info { background: #E3F2FD; border-color: #1565C0; }
.callout.info .callout-title { color: #0D47A1; }
.callout.warning { background: #FFF8E1; border-color: #F9A825; }
.callout.warning .callout-title { color: #E65100; }
.callout.success { background: #E8F5E9; border-color: #2E7D32; }
.callout.success .callout-title { color: #1B5E20; }
.callout.danger { background: #FFEBEE; border-color: #C62828; }
.callout.danger .callout-title { color: #B71C1C; }
.callout.tip { background: #F3E5F5; border-color: #7B1FA2; }
.callout.tip .callout-title { color: #4A148C; }
.callout.definition { background: #F5F7FA; border-color: var(--primary); }
.callout.definition .callout-title { color: var(--primary); }

/* --- Code/Formula Blocks --- */
.formula-block {
    background: #1A1A2E;
    color: #E0E0E0;
    padding: 20px 24px;
    border-radius: 12px;
    font-family: 'SF Mono', 'Fira Code', monospace;
    font-size: .92rem;
    margin: 16px 0;
    overflow-x: auto;
    line-height: 1.6;
}
.formula-block strong { color: #64B5F6; }

/* --- Example Box --- */
.example-box {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 12px;
    overflow: hidden;
    margin: 20px 0;
}
.example-box-header {
    background: var(--bg-gray);
    padding: 12px 20px;
    font-weight: 800;
    font-size: .88rem;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: .5px;
    border-bottom: 1px solid var(--border);
    display: flex;
    align-items: center;
    gap: 8px;
}
.example-box-body { padding: 20px; }
.example-box-body p { margin-bottom: 8px; }
.example-result {
    background: linear-gradient(135deg, #EBF2FF, #FFF8E1);
    border-radius: 8px;
    padding: 16px 20px;
    margin-top: 12px;
    font-weight: 800;
    color: var(--primary);
    text-align: center;
    font-size: 1.1rem;
}

/* --- Data Tables (Professional) --- */
.data-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    border-radius: 12px;
    overflow: hidden;
    border: 1px solid var(--border);
    margin: 20px 0;
    font-size: .9rem;
}
.data-table thead th {
    background: var(--primary);
    color: #fff;
    padding: 14px 16px;
    font-weight: 800;
    font-size: .82rem;
    text-align: left;
    text-transform: uppercase;
    letter-spacing: .3px;
    white-space: nowrap;
}
.data-table tbody td {
    padding: 14px 16px;
    border-bottom: 1px solid var(--border);
    vertical-align: middle;
}
.data-table tbody tr:last-child td { border-bottom: none; }
.data-table tbody tr:nth-child(even) { background: #FAFBFC; }
.data-table tbody tr:hover { background: #F0F4FF; }
.data-table .row-highlight { background: #FFF8E1 !important; font-weight: 700; }
.data-table .row-highlight:hover { background: #FFF3E0 !important; }
.data-table .text-right { text-align: right; }
.data-table .text-center { text-align: center; }
.data-table .cell-green { color: #2E7D32; font-weight: 800; }
.data-table .cell-red { color: #C62828; font-weight: 800; }
.data-table .cell-primary { color: var(--primary); font-weight: 800; }
.data-table tfoot td {
    background: var(--bg-gray);
    padding: 14px 16px;
    font-weight: 800;
}

/* --- Numbered Steps (Visual) --- */
.steps-visual { counter-reset: step-counter; }
.step-visual-item {
    display: flex;
    gap: 20px;
    padding: 24px;
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 16px;
    margin-bottom: 16px;
    transition: all .2s;
    position: relative;
}
.step-visual-item:hover { box-shadow: var(--shadow-md); border-color: var(--primary); }
.step-visual-item.highlight { border-color: var(--accent); background: linear-gradient(135deg, #FFF8E1 0%, #FFFFFF 60%); }
.step-num {
    counter-increment: step-counter;
    min-width: 48px;
    height: 48px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: #fff;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 900;
    font-size: 1.2rem;
    flex-shrink: 0;
}
.step-num.orange { background: linear-gradient(135deg, #E65100, #FF6F00); }
.step-num.green { background: linear-gradient(135deg, #1B5E20, #2E7D32); }
.step-visual-item h3 {
    font-size: 1.05rem;
    font-weight: 800;
    margin: 0 0 8px;
    color: var(--text);
}
.step-visual-item p { margin: 0; font-size: .92rem; color: var(--text-light); line-height: 1.65; }
.step-visual-item ul {
    margin: 8px 0 0;
    padding-left: 20px;
    list-style: disc;
}
.step-visual-item li {
    font-size: .88rem;
    color: var(--text-light);
    margin-bottom: 4px;
}

/* --- Blog Cards (Hub Page) --- */
.blog-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 28px; }
.blog-card {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 20px;
    overflow: hidden;
    transition: all .3s;
    display: flex;
    flex-direction: column;
}
.blog-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--primary); }
.blog-card-img {
    height: 180px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 56px;
    position: relative;
}
.blog-card-img .tag-pill {
    position: absolute;
    top: 14px;
    left: 14px;
    background: rgba(255,255,255,.92);
    backdrop-filter: blur(8px);
}
.blog-card-body {
    padding: 24px;
    flex: 1;
    display: flex;
    flex-direction: column;
}
.blog-card-body h3 {
    font-size: 1.08rem;
    font-weight: 800;
    line-height: 1.4;
    margin-bottom: 10px;
}
.blog-card-body h3 a { color: var(--text); text-decoration: none; }
.blog-card-body h3 a:hover { color: var(--primary); }
.blog-card-body p {
    font-size: .88rem;
    color: var(--text-muted);
    line-height: 1.6;
    flex: 1;
    margin-bottom: 16px;
}
.blog-card-footer {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-top: 14px;
    border-top: 1px solid var(--border);
}
.blog-card-date { font-size: .78rem; color: var(--text-muted); font-weight: 700; }
.blog-card-link { font-size: .85rem; color: var(--primary); font-weight: 800; text-decoration: none; }
.blog-card-link:hover { text-decoration: underline; }

/* --- Checklist --- */
.checklist {
    list-style: none;
    padding: 0;
    margin: 16px 0;
}
.checklist li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 10px 0;
    border-bottom: 1px solid var(--border);
    font-size: .92rem;
}
.checklist li:last-child { border-bottom: none; }
.checklist-icon {
    min-width: 24px;
    height: 24px;
    background: var(--green);
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: .65rem;
    font-weight: 900;
    flex-shrink: 0;
    margin-top: 2px;
}

/* --- Stat Cards Grid --- */
.stat-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
    gap: 16px;
    margin: 24px 0;
}
.stat-card {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 20px;
    text-align: center;
    transition: all .2s;
}
.stat-card:hover { box-shadow: var(--shadow); border-color: var(--primary); }
.stat-card-label { font-size: .75rem; color: var(--text-muted); font-weight: 700; margin-bottom: 6px; text-transform: uppercase; letter-spacing: .3px; }
.stat-card-value { font-size: 1.35rem; font-weight: 900; color: var(--primary); }

/* --- Info Grid (Feature Cards) --- */
.info-grid {
    display: grid;
    grid-template-columns: repeat(var(--cols, 3), 1fr);
    gap: 20px;
    margin: 24px 0;
}
.info-grid.cols-2 { --cols: 2; }
.info-grid.cols-3 { --cols: 3; }
.info-grid.cols-4 { --cols: 4; }
.info-card {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 28px;
    transition: all .3s;
}
.info-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.info-card h3 {
    font-size: 1.05rem;
    font-weight: 800;
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 10px;
}
.info-card h3 .card-icon { font-size: 1.3rem; }
.info-card ul {
    padding-left: 20px;
    list-style: disc;
    margin: 0;
}
.info-card li {
    font-size: .88rem;
    color: var(--text-light);
    margin-bottom: 6px;
    line-height: 1.6;
}

/* --- CTA Box (Article) --- */
.cta-box {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    border-radius: 20px;
    padding: 36px;
    text-align: center;
    color: #fff;
    margin: 40px 0;
    position: relative;
    overflow: hidden;
}
.cta-box::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(255,255,255,.08) 0%, transparent 70%);
    border-radius: 50%;
}
.cta-box h3 { font-size: 1.3rem; font-weight: 900; margin-bottom: 8px; position: relative; color: #fff; }
.cta-box p { opacity: .9; margin-bottom: 24px; position: relative; color: rgba(255,255,255,.9); }
.cta-box a { color: #fff; }
.cta-box .btn { position: relative; color: #fff !important; }

/* --- Related Articles --- */
.related-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
    gap: 16px;
    margin-top: 16px;
}
.related-card {
    display: block;
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 14px;
    padding: 20px;
    text-decoration: none;
    color: var(--text);
    transition: all .2s;
}
.related-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--primary); text-decoration: none; }
.related-card strong { display: block; margin-bottom: 6px; font-size: .95rem; }
.related-card span { font-size: .82rem; color: var(--text-muted); line-height: 1.5; }

/* --- Use Case Cards --- */
.usecase-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 16px;
}
.usecase-card {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 24px 20px;
    text-align: center;
    transition: all .2s;
}
.usecase-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.usecase-icon { font-size: 2.4rem; margin-bottom: 12px; }
.usecase-card h3 { font-size: .95rem; font-weight: 800; margin-bottom: 6px; }
.usecase-card p { font-size: .82rem; color: var(--text-muted); margin: 0; }

/* --- Timeline (Vertical) --- */
.timeline { padding-left: 32px; position: relative; margin: 20px 0; }
.timeline::before {
    content: '';
    position: absolute;
    left: 11px;
    top: 0;
    bottom: 0;
    width: 2px;
    background: var(--border);
}
.timeline-item {
    position: relative;
    padding: 0 0 24px 28px;
}
.timeline-item:last-child { padding-bottom: 0; }
.timeline-dot {
    position: absolute;
    left: -28px;
    top: 4px;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: .6rem;
    font-weight: 900;
    color: #fff;
    z-index: 1;
}
.timeline-dot.yellow { background: #F9A825; }
.timeline-dot.red { background: #E53935; }
.timeline-dot.darkred { background: #B71C1C; }
.timeline-dot.purple { background: #6A1B9A; }
.timeline-dot.blue { background: var(--primary); }
.timeline-dot.green { background: #2E7D32; }
.timeline-label {
    display: inline-block;
    padding: 2px 10px;
    border-radius: 6px;
    font-size: .75rem;
    font-weight: 800;
    color: #fff;
    margin-bottom: 6px;
}
.timeline-label.yellow { background: #F9A825; }
.timeline-label.red { background: #E53935; }
.timeline-label.darkred { background: #B71C1C; }
.timeline-label.purple { background: #6A1B9A; }
.timeline-item p { margin: 0; font-size: .88rem; color: var(--text-light); }

/* --- Legal Page --- */
.legal-body {
    max-width: 800px;
    margin: 0 auto;
    padding: 40px 20px 64px;
    line-height: 1.85;
}
.legal-body h2 {
    font-size: 1.15rem;
    font-weight: 800;
    margin: 36px 0 12px;
    padding: 12px 0;
    border-bottom: 1px solid var(--border);
    color: var(--text);
}
.legal-body p { margin-bottom: 14px; color: var(--text-light); }
.legal-body ul { padding-left: 24px; margin: 12px 0; list-style: disc; }
.legal-body li { margin-bottom: 8px; color: var(--text-light); }
.legal-body a { color: var(--primary); }
.legal-body strong { color: var(--text); }

/* --- Comparison Table (Enhanced) --- */
.table-wrapper { overflow-x: auto; margin: 20px 0; border-radius: 12px; border: 1px solid var(--border); }
.table-wrapper .comparison-table { box-shadow: none; border-radius: 0; }

/* --- Badge --- */
.badge { display: inline-block; font-size: .7rem; font-weight: 800; padding: 2px 8px; border-radius: 4px; }
.badge-recommended { background: var(--accent); color: #fff; }
.badge-new { background: var(--green); color: #fff; }

/* --- Company Cell (Table) --- */
.company-cell { display: flex; align-items: center; gap: 12px; min-width: 160px; }

/* --- Rate Highlight --- */
.rate { font-weight: 800; color: var(--primary); }

/* --- Section Header --- */
.section-header { text-align: center; margin-bottom: 40px; }

/* --- Enhanced responsive for new components --- */
@media (max-width: 960px) {
    .blog-grid { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
    .stat-cards { grid-template-columns: repeat(2, 1fr); }
    .usecase-grid { grid-template-columns: repeat(2, 1fr); }
    .related-grid { grid-template-columns: repeat(2, 1fr); }
    .contact-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
    .step-visual-item { flex-direction: column; gap: 12px; }
    .step-num { width: 40px; height: 40px; font-size: 1rem; }
    .article-body h2 { font-size: 1.25rem; padding-bottom: 10px; }
    .article-body h3 { font-size: 1.05rem; }
    .article-body { padding: 36px 20px 48px; }
    .hero-gradient { padding: 84px 0 32px; }
    .hero-gradient h1 { font-size: clamp(1.35rem, 5vw, 1.8rem); line-height: 1.3; }
    .hero-gradient p { font-size: .92rem; }
    .blog-grid { grid-template-columns: 1fr; }
    .blog-card-img { height: 130px; font-size: 40px; }
    .stat-cards { gap: 8px; }
    .stat-card { padding: 12px 10px; }
    .stat-card-label { font-size: .68rem; }
    .stat-card-value { font-size: 1.1rem; }
    .info-grid { grid-template-columns: repeat(2, 1fr); }
    .related-grid { grid-template-columns: 1fr; }
    .callout { padding: 16px 18px; margin: 20px 0; }
    .callout-title { font-size: .88rem; }
    .formula-block { font-size: .82rem; padding: 16px; }
    .example-box-header { font-size: .78rem; padding: 10px 16px; }
    .example-box-body { padding: 16px; }
    .example-result { font-size: 1rem; padding: 12px 16px; }
    .cta-box { padding: 28px 20px; margin: 32px 0; }
    .cta-box h3 { font-size: 1.1rem; }
    .timeline { padding-left: 28px; }
    .timeline-item { padding-left: 24px; }
    .contact-grid { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
    .article-body { padding: 28px 16px 40px; font-size: .92rem; }
    .article-body h2 { font-size: 1.15rem; margin: 36px 0 12px; }
    .callout { padding: 14px 16px; border-radius: 10px; }
    .data-table { font-size: .78rem; }
    .data-table thead th { padding: 10px 8px; font-size: .7rem; }
    .data-table tbody td { padding: 10px 8px; }
    .stat-cards { grid-template-columns: 1fr 1fr; gap: 8px; }
    .stat-card { padding: 12px 8px; }
    .stat-card-value { font-size: 1rem; }
    .stat-card-label { font-size: .65rem; }
    .cta-box { padding: 24px 16px; border-radius: 16px; }
    .cta-box h3 { font-size: 1rem; }
    .cta-box p { font-size: .88rem; }
    .info-grid { grid-template-columns: 1fr; gap: 12px; }
    .info-card { padding: 20px; }
    .usecase-grid { grid-template-columns: 1fr 1fr; gap: 8px; }
    .usecase-card { padding: 16px 12px; }
    .usecase-icon { font-size: 1.8rem; }
    .usecase-card h3 { font-size: .85rem; }
    .usecase-card p { font-size: .75rem; }
    .step-visual-item { padding: 18px; border-radius: 12px; }
    .step-visual-item h3 { font-size: .95rem; }
    .step-visual-item p { font-size: .85rem; }
    .blog-card-body { padding: 18px; }
    .blog-card-body h3 { font-size: .95rem; }
    .blog-card-body p { font-size: .82rem; }
    .related-card { padding: 16px; }
    .related-card strong { font-size: .88rem; }
    .checklist li { font-size: .85rem; padding: 8px 0; }
    .timeline-item p { font-size: .82rem; }
}

/* ============ UTILITY CLASSES ============ */
.mt-sm { margin-top: 8px; }
.mt-md { margin-top: 12px; }
.mt-lg { margin-top: 16px; }
.mt-xl { margin-top: 20px; }
.mt-2xl { margin-top: 24px; }
.mb-md { margin-bottom: 12px; }
.text-center { text-align: center; }
.text-sm { font-size: .85rem; }
.text-xs { font-size: .9rem; }
.text-muted { color: var(--text-muted); }
.lender-details { list-style: none; padding: 0; margin: 0 0 12px 0; font-size: .95rem; line-height: 1.8; }
.card-actions { margin-top: 12px; }
.card-review-link { font-size: .85rem; margin-top: 8px; text-align: center; }
.footer-section-gap { margin-top: 20px; }

/* ============ ANIMATIONS ============ */
@keyframes modalIn { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }
@keyframes modalSlideIn { from { opacity: 0; transform: translateY(30px) scale(.97); } to { opacity: 1; transform: translateY(0) scale(1); } }
@keyframes spin { to { transform: rotate(360deg); } }
@keyframes pulse { 0%, 100% { transform: scale(1); } 50% { transform: scale(1.08); } }

/* ============ RESPONSIVE ============ */
@media (max-width: 960px) {
    .hero-inner { grid-template-columns: 1fr; gap: 32px; }
    .hero-card { max-width: 480px; }
    .hero h1 { font-size: 2rem; }
    .offers-grid { grid-template-columns: 1fr; }
    .benefits-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
    .conditions-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
    .article-layout { grid-template-columns: 1fr; }
    .sidebar-card:first-child { position: static; }
    .highlight-box { flex-direction: column; text-align: center; }
    .footer-inner { grid-template-columns: 1fr 1fr 1fr; }
    .links-grid { grid-template-columns: repeat(2, 1fr); }
    .review-hero-stats { grid-template-columns: repeat(2, 1fr); }
    .pros-cons { grid-template-columns: 1fr; }
    .team-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
    .nav-links { display: none; }
    .btn-nav { display: none; }
    .nav-cta { display: none; }
    .hamburger { display: flex; }
    .stats-inner { grid-template-columns: repeat(2, 1fr); }
    .steps-grid { flex-direction: column; align-items: center; }
    .step-arrow { transform: rotate(90deg); margin: 0; }
    .reviews-grid { grid-template-columns: 1fr; }
    .footer-inner { grid-template-columns: 1fr 1fr; gap: 24px; }
    .cta-inner { flex-direction: column; text-align: center; }
    .offer-modal-item .offer-stats { grid-template-columns: repeat(2, 1fr); }
    .page-hero h1 { font-size: 1.7rem; }

    /* Comparison table: horizontal scroll + mobile-friendly */
    .table-responsive, .table-wrapper { -webkit-overflow-scrolling: touch; }
    .comparison-table { min-width: 700px; }
    .comparison-table th, .comparison-table td { padding: 12px 10px; font-size: .82rem; }
    .td-company { min-width: 140px; gap: 10px; }
    .company-logo { width: 80px; height: 32px; border-radius: 6px; }
    .company-logo img { padding: 3px 6px; }
    .company-info strong { font-size: .85rem; }
    .license-badge { font-size: .62rem; }
    .td-amount { font-size: .82rem; }
    .tag-sm { font-size: .65rem; padding: 2px 6px; margin-bottom: 2px; }
    .td-approval { font-size: .7rem; padding: 3px 8px; }

    /* Offer modal mobile */
    .offers-modal { max-width: 100%; border-radius: 16px 16px 0 0; max-height: 95vh; }
    .offer-modal-inner { padding: 18px; }
    .offer-logo { width: 90px; height: 36px; border-radius: 8px; }
    .offer-name { font-size: 1.05rem; }
    .offer-modal-item .offer-stat { padding: 10px; gap: 8px; }
    .offer-modal-item .offer-stat .stat-icon-wrap { width: 28px; height: 28px; font-size: .8rem; border-radius: 6px; }
    .offer-stat .stat-label { font-size: .65rem; }
    .offer-stat .stat-val { font-size: .85rem; }
    .tag { font-size: .72rem; padding: 4px 10px; }

    /* Sticky bar mobile */
    .sticky-inner { flex-direction: column; gap: 8px; text-align: center; }
    .sticky-text strong { font-size: .88rem; }
    .sticky-text span { font-size: .78rem; }
    .sticky-bar .btn { width: 100%; padding: 10px; font-size: .88rem; }

    /* Section spacing */
    .section { padding: 48px 0; }
    .section-title { font-size: 1.4rem; }
    .section-subtitle { font-size: .9rem; margin-bottom: 32px; }

    /* Hero card (homepage) */
    .card-header { padding: 16px 20px; }
    .card-body { padding: 20px; }
    .slider-labels { font-size: .85rem; }

    /* CTA strip */
    .cta-strip { padding: 28px 0; }
    .cta-strip h2 { font-size: 1.15rem; }
    .cta-strip p { font-size: .88rem; }

    /* Bottom CTA */
    .bottom-cta { padding: 48px 0; }
    .bottom-cta h2 { font-size: 1.5rem; }
    .bottom-cta p { font-size: .95rem; }
}

@media (max-width: 480px) {
    .container { padding: 0 16px; }
    .hero { padding: 76px 0 32px; }
    .hero h1 { font-size: 1.45rem; line-height: 1.3; }
    .hero-desc { font-size: .9rem; }
    .hero-trust { gap: 10px; }
    .trust-item { font-size: .8rem; }
    .section { padding: 36px 0; }
    .section-title { font-size: 1.2rem; }
    .section-subtitle { font-size: .85rem; margin-bottom: 24px; }
    .benefits-grid, .conditions-grid { grid-template-columns: 1fr; gap: 12px; }
    .benefit-card, .condition-card { padding: 20px 16px; }
    .stats-inner { gap: 12px; }
    .stat-number { font-size: 1.3rem; }
    .footer-inner { grid-template-columns: 1fr; gap: 20px; }
    .footer-brand p { font-size: .82rem; }
    .footer-links h4 { font-size: .88rem; margin-bottom: 10px; }
    .footer-links a, .footer-links li { font-size: .82rem; }
    .footer-bottom p { font-size: .75rem; }
    .footer-disclaimer { font-size: .72rem !important; }

    /* Modal mobile */
    .modal { padding: 20px 16px; border-radius: 16px; }
    .modal-header h2 { font-size: 1.15rem; }
    .modal-header p { font-size: .82rem; }
    .form-row { grid-template-columns: 1fr; }
    .form-group label { font-size: .82rem; }
    .form-group input, .form-group select { padding: 10px 14px; font-size: .88rem; }

    /* Offers modal mobile */
    .offers-modal { border-radius: 16px 16px 0 0; }
    .offers-modal-header { padding: 16px 16px 12px; }
    .offers-modal-header h2 { font-size: 1.15rem; }
    .offers-social-proof { font-size: .75rem; padding: 5px 12px; }
    .offers-modal-list { padding: 12px; gap: 12px; }
    .offer-modal-inner { padding: 16px; }
    .offer-modal-item .offer-stats { grid-template-columns: 1fr 1fr; gap: 8px; }
    .offer-modal-item .offer-stat { padding: 8px; }
    .offer-modal-item .offer-stat .stat-icon-wrap { display: none; }
    .tag { font-size: .68rem; padding: 3px 8px; gap: 3px; }
    .offer-badge { font-size: .65rem; padding: 4px 10px; }
    .btn-full { padding: 12px 20px; font-size: .9rem; }

    /* Comparison table */
    .comparison-table { min-width: 600px; }
    .comparison-table th, .comparison-table td { padding: 8px 6px; font-size: .78rem; }
    .company-logo { width: 64px; height: 28px; }
    .td-company { min-width: 120px; gap: 8px; }
    .company-info strong { font-size: .78rem; }
    .btn-sm { padding: 7px 14px; font-size: .78rem; }

    /* Links grid */
    .links-grid { grid-template-columns: 1fr; gap: 10px; }
    .link-card { padding: 16px; }

    /* Team */
    .team-grid { grid-template-columns: 1fr; gap: 16px; }
    .team-card { padding: 20px; }
    .team-avatar { width: 60px; height: 60px; font-size: 1.2rem; }

    /* Reviews */
    .review-card { padding: 20px; }
    .review-text { font-size: .88rem; }

    /* Highlight box */
    .highlight-box { padding: 24px 20px; border-radius: 16px; }

    /* Calc card */
    .calc-card { padding: 0; border-radius: 16px; }
    .calc-card .card-header { padding: 16px; }
    .calc-card .card-body { padding: 16px; }
    .range-slider { height: 8px; }
    .slider-range { font-size: .72rem; }

    /* Breadcrumb */
    .breadcrumb { font-size: .78rem; }

    /* Legal body */
    .legal-body { padding: 28px 16px 40px; }
    .legal-body h2 { font-size: 1.05rem; }

    /* Sticky bar compact */
    .sticky-bar { padding: 8px 0; }
    .sticky-text strong { font-size: .82rem; }
    .sticky-text span { display: none; }
    .sticky-bar .btn { padding: 8px 16px; font-size: .82rem; }

    /* FAQ */
    .faq-question { padding: 14px 16px; font-size: .9rem; }
    .faq-answer p { padding: 0 16px 14px; font-size: .88rem; }

    /* Loading screen */
    .loading-text { font-size: .95rem; }
    .countdown-circle { width: 52px; height: 52px; font-size: 1.5rem; }
    .loading-step { font-size: .85rem; }
}