/* ============================================================
   IMMOBAUFI – Design System
   Patrick Hofrichter · Baufinanzierung
   Tiefes Dunkelblau · Silber-Akzent
   ============================================================ */

@font-face { font-family: 'Manrope'; font-display: swap; src: local('Manrope'); }
@font-face { font-family: 'Inter';   font-display: swap; src: local('Inter'); }

/* ── Variables ─────────────────────────────────────────── */
:root {
  --navy-deep:   #061230;
  --navy:        #0A1F44;
  --navy-light:  #14306C;
  --navy-muted:  #1E3F8A;
  --navy-glow:   #2A55A8;

  --accent:      #C2CCDB;
  --accent-light:#E0E6F0;
  --accent-dark: #9AA8BC;
  --accent-deep: #6E7E96;

  --steel:       #4A7FCC;
  --emerald:     #10B981;
  --crimson:     #E04E4E;

  --text:        #0F1A2F;
  --text-mid:    #475266;
  --text-muted:  #8290A6;

  --bg:          #F4F6FB;
  --bg-alt:      #E8EDF7;
  --white:       #FFFFFF;
  --border:      #DDE3EC;

  --shadow-sm:   0 2px 8px rgba(10,31,68,0.08);
  --shadow-md:   0 6px 24px rgba(10,31,68,0.14);
  --shadow-lg:   0 14px 56px rgba(10,31,68,0.22);
  --shadow-accent: 0 4px 22px rgba(194,204,219,0.32);

  --radius-sm:   6px;
  --radius:      12px;
  --radius-lg:   20px;
  --radius-xl:   32px;
  --transition:  0.3s ease;

  --font-head:   'Manrope', 'Segoe UI', system-ui, sans-serif;
  --font-body:   'Inter', 'Segoe UI', system-ui, sans-serif;
}

/* ── Reset & Base ───────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; overflow-x: hidden; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
  overflow-wrap: break-word;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ── Typography ─────────────────────────────────────────── */
h1, h2, h3, h4, h5 {
  font-family: var(--font-head);
  line-height: 1.2;
  color: var(--navy);
  font-weight: 800;
  letter-spacing: -0.01em;
  text-wrap: balance;
}
h1 { font-size: clamp(2rem, 4.5vw, 3.5rem); }
h2 { font-size: clamp(1.5rem, 2.6vw, 2.2rem); }
h3 { font-size: clamp(1.05rem, 1.8vw, 1.3rem); }
h4 { font-size: 1rem; font-weight: 700; }
p  { color: var(--text-mid); line-height: 1.8; }

.section-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.75rem;
  display: inline-block;
}
.section-label::before {
  content: '';
  display: inline-block;
  width: 24px;
  height: 1px;
  background: var(--accent);
  vertical-align: middle;
  margin-right: 0.6rem;
  margin-bottom: 3px;
}
.section-title { margin-bottom: 1rem; }
.section-sub   { font-size: 1.1rem; color: var(--text-mid); max-width: 640px; }
.section-header { margin-bottom: 3.5rem; }
.section-header.centered { text-align: center; }
.section-header.centered .section-sub { margin: 0 auto; }
.section-header.centered .section-label::before { display: none; }

/* ── Layout ─────────────────────────────────────────────── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container-sm { max-width: 800px; margin: 0 auto; padding: 0 24px; }
section { padding: 90px 0; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }

/* ── Buttons ─────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  padding: 0.85rem 2rem;
  border-radius: var(--radius-sm);
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.01em;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: var(--navy);
  box-shadow: var(--shadow-accent);
}
.btn-primary:hover {
  background: linear-gradient(135deg, var(--accent-light), var(--accent));
  transform: translateY(-2px);
  box-shadow: 0 6px 28px rgba(194,204,219,0.45);
}
.btn-secondary {
  background: var(--navy);
  color: var(--white);
  box-shadow: var(--shadow-md);
}
.btn-secondary:hover {
  background: var(--navy-light);
  transform: translateY(-2px);
}
.btn-outline {
  border: 2px solid rgba(255,255,255,0.85);
  color: var(--white);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--navy);
}
.btn-outline-navy {
  border: 2px solid var(--navy);
  color: var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
}
.btn-lg { padding: 1.1rem 2.4rem; font-size: 1.05rem; }
.btn-sm { padding: 0.6rem 1.25rem; font-size: 0.85rem; }
.full-width { width: 100%; justify-content: center; }

/* ── Navigation ──────────────────────────────────────────── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: transparent;
  transition: all var(--transition);
  padding: 1.25rem 0;
}
.navbar.scrolled {
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(12px);
  box-shadow: var(--shadow-md);
  padding: 0.75rem 0;
}
.nav-container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.logo { display: flex; flex-direction: column; gap: 1px; }
.logo-text {
  font-family: var(--font-head);
  font-size: 1.55rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
  transition: color var(--transition);
}
.navbar.scrolled .logo-text { color: var(--navy); }
.logo-accent { color: var(--accent); }
.logo-sub {
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.7);
  transition: color var(--transition);
}
.navbar.scrolled .logo-sub { color: var(--text-muted); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}
.nav-links li a {
  font-family: var(--font-head);
  font-size: 0.88rem;
  font-weight: 600;
  color: rgba(255,255,255,0.92);
  padding: 0.5rem 0.85rem;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}
.nav-links li a:hover { color: var(--accent); }
.navbar.scrolled .nav-links li a { color: var(--navy); }
.navbar.scrolled .nav-links li a:hover { color: var(--accent-dark); }
.nav-links li a.active { color: var(--accent); }

.btn-nav {
  background: linear-gradient(135deg, var(--accent), var(--accent-dark)) !important;
  color: var(--navy) !important;
  padding: 0.6rem 1.4rem !important;
  border-radius: var(--radius-sm) !important;
  font-weight: 700 !important;
  box-shadow: var(--shadow-accent);
}
.btn-nav:hover { transform: translateY(-1px); }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 26px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}
.navbar.scrolled .nav-toggle span { background: var(--navy); }
.nav-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }
.nav-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ── Hero ────────────────────────────────────────────────── */
.hero {
  min-height: 100vh;
  background:
    radial-gradient(ellipse at 20% 0%, rgba(42,85,168,0.45) 0%, transparent 55%),
    radial-gradient(ellipse at 80% 100%, rgba(194,204,219,0.18) 0%, transparent 60%),
    linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 45%, var(--navy-light) 100%);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding-top: 80px;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 4rem;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-label {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  background: rgba(194,204,219,0.12);
  border: 1px solid rgba(194,204,219,0.4);
  color: var(--accent-light);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  padding: 0.42rem 1rem;
  border-radius: 100px;
  margin-bottom: 1.5rem;
}
.hero h1 { color: var(--white); margin-bottom: 1.5rem; }
.hero h1 span { color: var(--accent-light); }
.hero-sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.78);
  margin-bottom: 2.5rem;
  max-width: 540px;
}
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 3rem; }
.hero-trust {
  display: flex;
  align-items: center;
  gap: 2rem;
  flex-wrap: wrap;
}
.trust-item { display: flex; flex-direction: column; gap: 2px; }
.trust-number {
  font-family: var(--font-head);
  font-size: 1.7rem;
  font-weight: 800;
  color: var(--white);
}
.trust-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.trust-divider { width: 1px; height: 40px; background: rgba(255,255,255,0.2); }

.hero-card {
  background: rgba(255,255,255,0.05);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  text-align: center;
}
.hero-photo-placeholder {
  width: 160px;
  height: 160px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-glow), var(--navy-light));
  margin: 0 auto 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3.5rem;
  font-weight: 800;
  font-family: var(--font-head);
  color: var(--accent-light);
  border: 4px solid rgba(194,204,219,0.25);
  box-shadow: 0 8px 32px rgba(10,31,68,0.6);
}
/* H&R Livewire calculator: force block so it fills its wrapper */
livewire { display: block; width: 100%; }

/* ── Forms ────────────────────────────────────────────────── */
.form-group { margin-bottom: 1.25rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
form label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.4rem;
}
form input, form textarea, form select {
  width: 100%;
  padding: 0.8rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  transition: all var(--transition);
  outline: none;
}
form input:focus, form textarea:focus, form select:focus {
  border-color: var(--navy-glow);
  box-shadow: 0 0 0 3px rgba(42,85,168,0.12);
}
form textarea { resize: vertical; min-height: 110px; }
.form-hint { font-size: 0.75rem; color: var(--text-muted); margin-top: 0.3rem; }
.form-error { font-size: 0.75rem; color: #ef4444; margin-top: 0.3rem; display: none; }
.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
}
.checkbox-group input[type="checkbox"] {
  width: 18px;
  min-width: 18px;
  height: 18px;
  margin-top: 3px;
  accent-color: var(--navy-glow);
}
.checkbox-group label {
  font-size: 0.82rem;
  font-weight: 400;
  color: var(--text-muted);
  margin: 0;
}
.checkbox-group label a { color: var(--navy); text-decoration: underline; }
.hp-field { display: none !important; }

/* ── Review Funnel ───────────────────────────────────────── */
.review-funnel {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 3rem;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  text-align: center;
}
.review-funnel h3 { margin-bottom: 0.75rem; }
.review-funnel p { font-size: 0.95rem; margin-bottom: 1.5rem; color: var(--text-mid); }
.star-rating {
  display: flex;
  justify-content: center;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
}
.star-btn {
  font-size: 2.5rem;
  color: var(--border);
  transition: all 0.15s ease;
  cursor: pointer;
  line-height: 1;
  user-select: none;
}
.star-btn:hover, .star-btn.active { color: #FFC107; transform: scale(1.1); }
.funnel-step { display: none; }
.funnel-step.visible { display: block; animation: fadeIn 0.3s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }

/* ── Contact Section ─────────────────────────────────────── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 4rem;
  align-items: start;
}
.contact-method {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.1rem 1.25rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  transition: all var(--transition);
  text-decoration: none;
}
.contact-method:hover { border-color: var(--navy-glow); box-shadow: var(--shadow-sm); transform: translateY(-2px); }
.contact-method-icon {
  width: 44px; height: 44px; min-width: 44px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; color: white;
}
.contact-method-label { font-size: 0.75rem; color: var(--text-muted); }
.contact-method-value { font-weight: 700; font-size: 0.95rem; color: var(--navy); }
.contact-form-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
}
@media (max-width: 968px) {
  .contact-grid { grid-template-columns: 1fr; gap: 2rem; }
  .form-row { grid-template-columns: 1fr; }
  .review-funnel { padding: 2rem; }
}

/* ── Partner Ticker ──────────────────────────────────────── */
.partner-ticker {
  background: var(--white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  position: relative;
}
.partner-ticker-label {
  text-align: center;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-muted);
  padding: 1.5rem 0 0.5rem;
  margin: 0;
}
.ticker-overflow {
  overflow: hidden;
  position: relative;
  width: 100%;
  padding: 1rem 0 1.5rem;
  white-space: nowrap;
}
.ticker-overflow::before,
.ticker-overflow::after {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  width: 80px;
  z-index: 2;
  pointer-events: none;
}
.ticker-overflow::before { left: 0; background: linear-gradient(to right, var(--white) 30%, transparent); }
.ticker-overflow::after  { right: 0; background: linear-gradient(to left,  var(--white) 30%, transparent); }
.ticker-track {
  display: inline-flex;
  align-items: center;
  gap: 0;
  animation: ticker-scroll 50s linear infinite;
}
.ticker-track:hover { animation-play-state: paused; }
.ticker-bank {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
  gap: 0.55rem;
  padding: 0 2rem;
  white-space: nowrap;
  border-right: 1px solid var(--border);
  vertical-align: middle;
}
.ticker-bank:last-child { border-right: none; }
.ticker-more { border-right: none; padding-right: 3rem; }
.bank-chip {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--bc, var(--navy));
  color: var(--bct, white);
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 0.72rem;
  letter-spacing: 0.05em;
  padding: 0.28rem 0.6rem;
  border-radius: 5px;
  min-width: 2rem;
  flex-shrink: 0;
  line-height: 1;
}
.bank-label {
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--navy);
  white-space: nowrap;
}
@keyframes ticker-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

.hero-photo-wrap {
  width: 160px;
  height: 160px;
  border-radius: 50%;
  margin: 0 auto 1.5rem;
  border: 4px solid rgba(194,204,219,0.25);
  box-shadow: 0 8px 32px rgba(10,31,68,0.6);
  overflow: hidden;
  background: linear-gradient(135deg, var(--navy-glow), var(--navy-light));
  flex-shrink: 0;
}
.hero-photo-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top center;
  display: block;
  border-radius: 50%;
}
.hero-card-name {
  font-family: var(--font-head);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 0.25rem;
}
.hero-card-title {
  font-size: 0.85rem;
  color: var(--accent-light);
  font-weight: 600;
  margin-bottom: 1.25rem;
}
.hero-card-badges {
  display: flex;
  gap: 0.5rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 1.5rem;
}
.badge {
  background: rgba(255,255,255,0.08);
  color: rgba(255,255,255,0.85);
  font-size: 0.72rem;
  font-weight: 600;
  padding: 0.3rem 0.75rem;
  border-radius: 100px;
  border: 1px solid rgba(255,255,255,0.15);
}
.hero-stars { color: var(--accent); font-size: 1.1rem; letter-spacing: 2px; }
.hero-stars-label { font-size: 0.75rem; color: rgba(255,255,255,0.55); margin-top: 4px; }

/* ── Page Hero ───────────────────────────────────────────── */
.page-hero {
  background:
    radial-gradient(ellipse at 50% 0%, rgba(42,85,168,0.4) 0%, transparent 60%),
    linear-gradient(135deg, var(--navy-deep) 0%, var(--navy-light) 100%);
  padding: 160px 0 90px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero h1 { color: var(--white); margin-bottom: 1rem; }
.page-hero p { color: rgba(255,255,255,0.78); font-size: 1.1rem; max-width: 640px; margin: 0 auto; }

.breadcrumb {
  padding: 1rem 0;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  display: flex;
  align-items: center;
  gap: 0.5rem;
  justify-content: center;
}
.breadcrumb a { color: rgba(255,255,255,0.55); }
.breadcrumb a:hover { color: var(--accent); }

/* ── Cards ───────────────────────────────────────────────── */
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: all var(--transition);
}
.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(194,204,219,0.4);
}
.card-icon {
  width: 64px;
  height: 64px;
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 1.5rem;
  box-shadow: var(--shadow-md);
  color: var(--white);
}
.card-icon.accent { background: linear-gradient(135deg, var(--accent), var(--accent-dark)); color: var(--navy); }
.card-icon.steel  { background: linear-gradient(135deg, var(--steel), var(--navy-glow)); }
.card-icon.emerald{ background: linear-gradient(135deg, var(--emerald), #047857); }
.card h3 { margin-bottom: 0.75rem; }
.card p  { font-size: 0.95rem; }
.card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: var(--accent-dark);
  font-weight: 700;
  font-size: 0.9rem;
  margin-top: 1.25rem;
  transition: gap var(--transition);
}
.card-link:hover { gap: 0.75rem; color: var(--navy); }

/* ── Stats ───────────────────────────────────────────────── */
.stats-bar { background: var(--navy); padding: 50px 0; }
.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  text-align: center;
}
.stat-item { padding: 1rem; }
.stat-number {
  font-family: var(--font-head);
  font-size: 3rem;
  font-weight: 800;
  color: var(--accent-light);
  line-height: 1;
  margin-bottom: 0.5rem;
}
.stat-label {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.65);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-weight: 600;
}

/* ── Why Section ─────────────────────────────────────────── */
.why-section { background: var(--white); }
.why-list { display: flex; flex-direction: column; gap: 1.25rem; }
.why-item {
  display: flex;
  gap: 1.25rem;
  align-items: flex-start;
  padding: 1.25rem;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  transition: all var(--transition);
}
.why-item:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-sm);
}
.why-icon {
  width: 48px;
  height: 48px;
  min-width: 48px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, rgba(194,204,219,0.18), rgba(194,204,219,0.06));
  border: 1px solid rgba(194,204,219,0.35);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent-dark);
}
.why-text h4 { color: var(--navy); margin-bottom: 0.25rem; }
.why-text p  { font-size: 0.92rem; margin: 0; }
.why-visual {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-xl);
  padding: 3rem;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.why-visual::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 220px; height: 220px;
  background: radial-gradient(circle, rgba(194,204,219,0.22) 0%, transparent 70%);
  border-radius: 50%;
}
.why-visual-title {
  font-family: var(--font-head);
  font-size: 1.3rem;
  font-weight: 800;
  margin-bottom: 2rem;
  position: relative;
}
.lender-logos {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}
.lender-item {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-left: 3px solid var(--lc, rgba(255,255,255,0.25));
  border-radius: var(--radius-sm);
  padding: 0.6rem 0.75rem;
  font-size: 0.78rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  text-align: left;
}

/* ── Testimonials ────────────────────────────────────────── */
.testimonials { background: var(--bg); }
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
  justify-items: center;
}
.testimonial-grid .testimonial-card {
  width: 100%;
  max-width: 480px;
}
@media (min-width: 769px) {
  .testimonial-grid:has(.testimonial-card:nth-child(2):last-child) {
    grid-template-columns: repeat(2, minmax(0, 480px));
    justify-content: center;
  }
}
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  position: relative;
}
.testimonial-card::before {
  content: '"';
  font-size: 5rem;
  font-family: Georgia, serif;
  color: var(--accent);
  opacity: 0.3;
  position: absolute;
  top: 0.4rem;
  right: 1.5rem;
  line-height: 1;
}
.testimonial-stars { color: var(--accent); font-size: 0.95rem; margin-bottom: 1rem; letter-spacing: 0.1em; }
.testimonial-text {
  font-size: 0.95rem;
  color: var(--text-mid);
  line-height: 1.75;
  margin-bottom: 1.5rem;
  font-style: italic;
}
.testimonial-author { display: flex; align-items: center; gap: 0.75rem; }
.author-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--accent-light);
  flex-shrink: 0;
}
.author-name { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.author-type { font-size: 0.78rem; color: var(--text-muted); }

/* ── CTA Banner ──────────────────────────────────────────── */
.cta-banner {
  background:
    radial-gradient(circle at 50% 0%, rgba(42,85,168,0.4) 0%, transparent 70%),
    linear-gradient(135deg, var(--navy-deep) 0%, var(--navy-light) 100%);
  padding: 90px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner h2 { color: var(--white); margin-bottom: 1rem; }
.cta-banner p  { color: rgba(255,255,255,0.78); font-size: 1.1rem; margin-bottom: 2.5rem; }

/* ── Process ─────────────────────────────────────────────── */
.process-steps { display: flex; flex-direction: column; gap: 1.5rem; }
.process-step {
  display: flex;
  gap: 1.5rem;
  align-items: flex-start;
}
.step-number {
  width: 48px; height: 48px;
  min-width: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 1.15rem;
  box-shadow: var(--shadow-accent);
}
.step-content h4 { color: var(--navy); margin-bottom: 0.4rem; }
.step-content p  { font-size: 0.95rem; margin: 0; }

/* ── Forms ───────────────────────────────────────────────── */
.form-group { margin-bottom: 1.25rem; }
.form-row   { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.4rem;
}
input, textarea, select {
  width: 100%;
  padding: 0.85rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  transition: all var(--transition);
  outline: none;
}
input:focus, textarea:focus, select:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(194,204,219,0.14);
}
textarea { resize: vertical; min-height: 130px; }
.form-hint  { font-size: 0.75rem; color: var(--text-muted); margin-top: 0.3rem; }
.form-error { font-size: 0.78rem; color: var(--crimson); margin-top: 0.3rem; display: none; }
.form-success {
  background: rgba(16,185,129,0.1);
  border: 1px solid rgba(16,185,129,0.3);
  color: var(--emerald);
  padding: 1.25rem;
  border-radius: var(--radius);
  font-weight: 600;
  text-align: center;
  display: none;
}
.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
}
.checkbox-group input[type="checkbox"] {
  width: 18px; min-width: 18px; height: 18px;
  margin-top: 3px;
  accent-color: var(--accent);
}
.checkbox-group label {
  font-size: 0.82rem;
  font-weight: 400;
  color: var(--text-muted);
  margin: 0;
}
.checkbox-group label a { color: var(--navy); text-decoration: underline; }
.hp-field { display: none !important; }

/* ── Contact ─────────────────────────────────────────────── */
.contact-section { background: var(--bg); }
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 4rem;
  align-items: start;
}
.contact-info h3 { margin-bottom: 0.75rem; }
.contact-methods { display: flex; flex-direction: column; gap: 1rem; margin-top: 2rem; }
.contact-method {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.1rem 1.25rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  transition: all var(--transition);
}
.contact-method:hover { border-color: var(--accent); box-shadow: var(--shadow-sm); }
.contact-method-icon {
  width: 44px; height: 44px;
  min-width: 44px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  display: flex; align-items: center; justify-content: center;
  color: var(--accent-light);
}
.contact-method-label { font-size: 0.75rem; color: var(--text-muted); }
.contact-method-value { font-weight: 700; font-size: 0.95rem; color: var(--navy); }

.contact-form-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
}

/* ── Footer ──────────────────────────────────────────────── */
footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.75);
  padding: 70px 0 30px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}
.footer-logo .logo-text { color: var(--white); font-size: 1.4rem; }
.footer-logo .logo-sub  { color: rgba(255,255,255,0.4); }
.footer-desc {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  margin-top: 1rem;
  max-width: 280px;
}
.footer-social { display: flex; gap: 0.75rem; margin-top: 1.5rem; }
.social-btn {
  width: 38px; height: 38px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.75);
  transition: all var(--transition);
}
.social-btn:hover { background: var(--accent); color: var(--navy); border-color: var(--accent); }
.footer-col-title {
  font-family: var(--font-head);
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 1.25rem;
}
.footer-links { display: flex; flex-direction: column; gap: 0.6rem; }
.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}
.footer-links a:hover { color: var(--accent); }
.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 0.6rem;
}
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 1.75rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.35);
  flex-wrap: wrap;
  gap: 0.5rem;
}
.footer-bottom a { color: rgba(255,255,255,0.5); }
.footer-bottom a:hover { color: var(--accent); }

/* ── Floating Buttons ────────────────────────────────────── */
.float-buttons {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  z-index: 999;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  align-items: flex-end;
}
.float-btn {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.85rem 1.4rem;
  border-radius: 100px;
  font-weight: 700;
  font-size: 0.9rem;
  font-family: var(--font-head);
  box-shadow: var(--shadow-lg);
  transition: all var(--transition);
  white-space: nowrap;
  color: var(--white);
}
.float-btn:hover { transform: translateY(-3px) scale(1.03); }
.float-wa  { background: #25D366; }
.float-wa:hover  { background: #1ebe5c; }
.float-tel { background: linear-gradient(135deg, var(--navy-light), var(--navy-glow)); }
.float-tel:hover { background: linear-gradient(135deg, var(--navy-glow), var(--steel)); }
.float-icon { display: flex; align-items: center; justify-content: center; }
.float-icon svg { display: block; width: 20px; height: 20px; }

/* ── Icons ───────────────────────────────────────────────── */
svg.icon {
  display: inline-block;
  height: 1em;
  width: auto;
  vertical-align: -0.125em;
  flex-shrink: 0;
}
.card-icon svg.icon { height: 1.7em; }
.contact-method-icon svg.icon { height: 1.5em; }
.why-icon svg.icon { height: 1.6em; }
.hero svg.icon, .page-hero svg.icon, .cta-banner svg.icon, footer svg.icon { color: rgba(255,255,255,0.85); }

/* ── FAQ ─────────────────────────────────────────────────── */
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 0.75rem;
  overflow: hidden;
  transition: box-shadow var(--transition);
  background: var(--white);
}
.faq-item:hover { box-shadow: var(--shadow-sm); }
.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.25rem 1.5rem;
  cursor: pointer;
  font-weight: 700;
  font-family: var(--font-head);
  font-size: 0.95rem;
  color: var(--navy);
  user-select: none;
}
.faq-chevron {
  font-size: 1.1rem;
  transition: transform var(--transition);
  color: var(--accent-dark);
  flex-shrink: 0;
}
.faq-item.open .faq-chevron { transform: rotate(180deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
  padding: 0 1.5rem;
  font-size: 0.95rem;
  color: var(--text-mid);
  line-height: 1.75;
}
.faq-item.open .faq-answer { max-height: 600px; padding: 0 1.5rem 1.5rem; }

/* ── Animation ───────────────────────────────────────────── */
.animate-up {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.animate-up.visible { opacity: 1; transform: translateY(0); }
.delay-1 { transition-delay: 0.1s; }
.delay-2 { transition-delay: 0.2s; }
.delay-3 { transition-delay: 0.3s; }

/* ── Cookie Banner ───────────────────────────────────────── */
.cookie-banner {
  position: fixed;
  bottom: 1rem;
  left: 1rem;
  right: 1rem;
  max-width: 480px;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  z-index: 9999;
  display: none;
}
.cookie-banner.visible { display: block; }
.cookie-banner h4 { color: var(--navy); margin-bottom: 0.5rem; }
.cookie-banner p { font-size: 0.85rem; margin-bottom: 1rem; }
.cookie-actions { display: flex; gap: 0.5rem; flex-wrap: wrap; }
.cookie-actions .btn { padding: 0.6rem 1.2rem; font-size: 0.85rem; }

/* ── Responsive ──────────────────────────────────────────── */
@media (max-width: 968px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .hero-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr; gap: 1rem; }
  .contact-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .footer-grid  { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .form-row { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  section { padding: 60px 0; }
  .nav-toggle { display: flex; }
  .nav-links {
    position: fixed;
    top: 70px; left: 0; right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 1.5rem;
    gap: 0.5rem;
    transform: translateY(-130%);
    transition: transform var(--transition);
    box-shadow: var(--shadow-lg);
  }
  .nav-links.active { transform: translateY(0); }
  .nav-links li { width: 100%; }
  .nav-links li a { color: var(--navy) !important; display: block; padding: 0.75rem 1rem; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .float-btn span:not(.float-icon) { display: none; }
  .float-btn { padding: 0.85rem; width: 52px; height: 52px; justify-content: center; }
  .float-buttons { bottom: 1rem; right: 1rem; }
  .why-visual { padding: 2rem; }
}
@media (max-width: 480px) {
  .hero h1 { font-size: 2rem; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .hero-card { padding: 1.75rem; }
}