/* ================= TOKENS ================= */
:root {
    --ink: #0b1220;
    --ink-2: #1a2333;
    --text: #2a3343;
    --muted: #5b6475;
    --accent: #1f4fe0;
    --accent-hover: #1a43c2;
    --accent-soft: #eaf0ff;
    --accent-deep: #163aa8;
    --soft: #f4f6fa;
    --line: #e5e8ef;
    --white: #ffffff;
    --radius: 16px;
    --radius-sm: 10px;
    --shadow: 0 1px 2px rgba(11, 18, 32, .04), 0 12px 32px rgba(11, 18, 32, .08);
    --font-head: "Plus Jakarta Sans", system-ui, sans-serif;
    --font-body: "Inter", system-ui, sans-serif;
    --header-h: 72px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); }
body {
    margin: 0;
    font-family: var(--font-body);
    font-size: 16px;
    line-height: 1.6;
    color: var(--text);
    background: var(--white);
    -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; }
h1, h2, h3 { font-family: var(--font-head); color: var(--ink); line-height: 1.15; margin: 0 0 .5em; letter-spacing: -.025em; font-weight: 700; }
h2 { font-size: clamp(1.75rem, 3.2vw, 2.4rem); }
h3 { font-size: 1.1rem; letter-spacing: -.01em; }
p { margin: 0 0 1em; }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; }

.container { width: min(1200px, 100% - 32px); margin-inline: auto; }
.section { padding: clamp(64px, 9vw, 112px) 0; }
.section-soft { background: var(--soft); }
.ico { width: 1.1em; height: 1.1em; flex: none; }

.eyebrow {
    display: inline-block;
    font-size: .78rem;
    font-weight: 600;
    color: var(--accent);
    background: var(--accent-soft);
    padding: 5px 12px;
    border-radius: 999px;
    margin-bottom: 16px;
}
.section-head { max-width: 680px; margin-bottom: 48px; }
.section-head p:last-child { color: var(--muted); font-size: 1.05rem; }
.fine-print { font-size: .8rem; color: var(--muted); margin: 16px 0 0; }

/* Placeholder content the owner must replace before going live */
.todo {
    background: #fff1c2 !important;
    color: #5a4500 !important;
    outline: 1.5px dashed #d9a400;
    outline-offset: 2px;
    border-radius: 4px;
}

/* ================= BUTTONS ================= */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 14px 24px;
    border-radius: 999px;
    border: 1.5px solid transparent;
    font: 600 .95rem/1.2 var(--font-body);
    text-decoration: none;
    cursor: pointer;
    transition: background .2s, color .2s, border-color .2s, transform .2s, box-shadow .2s;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--accent); color: var(--white); box-shadow: 0 6px 16px rgba(31, 79, 224, .25); }
.btn-primary:hover { background: var(--accent-hover); }
.btn-dark { background: var(--accent); color: var(--white); }
.btn-dark:hover { background: var(--accent-hover); }
.btn-ghost { border-color: var(--line); background: var(--white); color: var(--ink); }
.btn-ghost:hover { border-color: var(--ink); }
.btn-block { width: 100%; }
.btn[disabled] { opacity: .6; cursor: wait; transform: none; }

/* ================= HEADER ================= */
.header {
    position: sticky;
    top: 0;
    z-index: 50;
    height: var(--header-h);
    background: rgba(255, 255, 255, .92);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--line);
}
.header-inner { height: 100%; display: flex; align-items: center; gap: 32px; }
.logo img { width: 90px; height: auto; }
.nav { display: flex; align-items: center; gap: 28px; margin-left: auto; }
.nav a { text-decoration: none; font-weight: 500; font-size: .93rem; color: var(--muted); }
.nav a:hover { color: var(--ink); }
.nav-phone { font-weight: 600 !important; color: var(--ink) !important; }
.header-cta { padding: 10px 20px; box-shadow: none; }
.menu-toggle { display: none; }

/* ================= HERO ================= */
.hero {
    background:
        radial-gradient(900px 420px at 85% -10%, #dfe7ff 0%, rgba(223, 231, 255, 0) 70%),
        var(--soft);
    padding: clamp(56px, 8vw, 96px) 0;
    border-bottom: 1px solid var(--line);
}
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }
.hero h1 { font-size: clamp(2.4rem, 5.2vw, 4rem); font-weight: 800; letter-spacing: -.035em; }
.hero h1 span { color: var(--accent); }
.hero-lead { font-size: 1.125rem; color: var(--muted); max-width: 560px; margin-bottom: 32px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-proof {
    list-style: none;
    padding: 28px 0 0;
    margin: 40px 0 0;
    border-top: 1px solid var(--line);
    display: flex;
    flex-wrap: wrap;
    gap: 16px 40px;
}
.hero-proof li { display: flex; flex-direction: column; }
.hero-proof strong { font: 800 1.75rem/1.1 var(--font-head); color: var(--ink); padding: 0 2px; letter-spacing: -.02em; }
.hero-proof span { font-size: .85rem; color: var(--muted); }

/* ================= FORM ================= */
.form-card {
    background: var(--white);
    color: var(--text);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: clamp(24px, 3vw, 36px);
    box-shadow: var(--shadow);
}
.form-kicker { font-size: .8rem; font-weight: 600; color: var(--accent); margin-bottom: 6px; }
.form-card h2 { font-size: 1.55rem; margin-bottom: 6px; }
.form-sub { color: var(--muted); font-size: .95rem; margin-bottom: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.input-group { margin-bottom: 14px; display: flex; flex-direction: column; }
.input-group label { font-size: .82rem; font-weight: 600; color: var(--ink); margin-bottom: 6px; display: flex; justify-content: space-between; }
.input-group label span { font-weight: 400; color: var(--muted); }
.input-group input, .input-group select, .input-group textarea {
    width: 100%;
    font: 400 1rem var(--font-body);
    color: var(--ink);
    background: var(--white);
    border: 1.5px solid var(--line);
    border-radius: var(--radius-sm);
    padding: 12px 14px;
    transition: border-color .2s, box-shadow .2s;
}
.input-group select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath stroke='%235b6475' stroke-width='1.5' d='m1 1.5 5 5 5-5'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    padding-right: 36px;
}
.input-group textarea { resize: vertical; }
.input-group input:focus, .input-group select:focus, .input-group textarea:focus {
    outline: none;
    border-color: var(--accent);
    box-shadow: 0 0 0 4px var(--accent-soft);
}
.input-group .invalid { border-color: #d93025; }
.form-note { display: flex; gap: 8px; align-items: flex-start; font-size: .8rem; color: var(--muted); margin: 14px 0 0; }
.form-note .ico { color: var(--accent); margin-top: 2px; }
.success-message:empty { display: none; }
.success-message { margin-top: 14px; padding: 12px 14px; border-radius: var(--radius-sm); background: #e8f6ee; color: #1e6b41; font-weight: 600; font-size: .9rem; }
.success-message.error { background: #fdecea; color: #a1281c; }

/* ================= BANKS ================= */
.banks { padding: 36px 0; border-bottom: 1px solid var(--line); }
.banks-title { text-align: center; font-size: .85rem; font-weight: 500; color: var(--muted); margin-bottom: 20px; }
.bank-row { display: grid; grid-template-columns: repeat(6, 1fr); gap: 16px; align-items: center; }
.bank-tile { display: grid; place-items: center; height: 56px; font-size: .8rem; }
.bank-row img { max-height: 40px; width: auto; margin-inline: auto; filter: grayscale(1); opacity: .7; transition: filter .2s, opacity .2s; }
.bank-row img:hover { filter: none; opacity: 1; }
.banks .fine-print { text-align: center; }

/* ================= SERVICES ================= */
.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.service-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 28px;
    transition: border-color .2s, box-shadow .2s, transform .2s;
}
.service-card:hover { border-color: #c9d5fb; box-shadow: var(--shadow); transform: translateY(-2px); }
.service-card p { color: var(--muted); margin: 0; font-size: .95rem; }
.service-ico {
    width: 46px; height: 46px;
    padding: 11px;
    border-radius: 12px;
    background: var(--accent-soft);
    margin-bottom: 18px;
    fill: none;
    stroke: var(--accent);
    stroke-width: 1.8;
    stroke-linecap: round;
    stroke-linejoin: round;
}

/* ================= CALCULATOR ================= */
.section-dark { background: var(--soft); border-block: 1px solid var(--line); }
.calc { display: grid; grid-template-columns: 1.1fr .9fr; gap: 24px; }
.calc-inputs, .calc-results { border-radius: var(--radius); padding: clamp(24px, 3vw, 36px); }
.calc-inputs { background: var(--white); border: 1px solid var(--line); }
.calc-inputs output { color: var(--accent); font-weight: 700; }
.hint { font-size: .8rem; color: var(--muted); margin: 6px 0 0; }
input[type=range] { padding: 0 !important; border: 0 !important; background: transparent !important; box-shadow: none !important; accent-color: var(--accent); height: 28px; }
.calc-results { background: var(--ink); color: #c4cad6; display: flex; flex-direction: column; }
.result-label { font-size: .85rem; font-weight: 500; color: #9aa3b5; margin: 0; }
.result-big { font: 800 clamp(2.2rem, 4vw, 3rem)/1.1 var(--font-head); color: var(--white); margin: 4px 0 20px; letter-spacing: -.03em; }
.result-list { margin: 0 0 12px; }
.result-list div { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px solid var(--ink-2); font-size: .95rem; }
.result-list dt { color: #9aa3b5; }
.result-list dd { margin: 0; font-weight: 600; color: var(--white); text-align: right; }
.result-list .total dt, .result-list .total dd { color: var(--white); font-weight: 800; }
.fee-breakdown { font-size: .85rem; margin-bottom: 20px; }
.fee-breakdown summary { cursor: pointer; color: #8fb0ff; font-weight: 600; }
.fee-breakdown ul { list-style: none; padding: 8px 0 0; margin: 0; }
.fee-breakdown li { display: flex; justify-content: space-between; padding: 4px 0; color: #9aa3b5; }
.calc-results .btn { margin-top: auto; box-shadow: none; }
.calc-results .fine-print { color: #8790a3; }

/* ================= PROCESS ================= */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.steps li { background: var(--soft); border-radius: var(--radius); padding: 24px; }
.step-num {
    display: grid; place-items: center;
    width: 36px; height: 36px; border-radius: 50%;
    background: var(--accent); color: var(--white);
    font: 700 .85rem var(--font-head);
    margin-bottom: 16px;
}
.steps p { color: var(--muted); font-size: .95rem; margin: 0; }

/* ================= DOCUMENTS / WHY ================= */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(40px, 6vw, 80px); }
.two-col h2 { font-size: clamp(1.6rem, 2.6vw, 2.1rem); }
.tabs { display: inline-flex; background: var(--white); border: 1px solid var(--line); border-radius: 999px; padding: 4px; margin: 8px 0 20px; flex-wrap: wrap; }
.tabs button { border: 0; background: transparent; padding: 9px 16px; border-radius: 999px; font: 600 .875rem var(--font-body); color: var(--muted); cursor: pointer; }
.tabs button[aria-selected=true] { background: var(--accent); color: var(--white); }
.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li { position: relative; padding: 12px 0 12px 34px; border-bottom: 1px solid var(--line); }
.checklist li::before {
    content: ""; position: absolute; left: 0; top: 14px; width: 20px; height: 20px; border-radius: 50%;
    background: var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='10' fill='none'%3E%3Cpath stroke='%23fff' stroke-width='2' d='m1 5 3.5 3.5L11 1'/%3E%3C/svg%3E") center / 11px no-repeat;
}
.why-list { list-style: none; padding: 0; margin: 8px 0 0; display: grid; gap: 14px; }
.why-list li { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 18px 20px; }
.why-list h3 { margin-bottom: 4px; }
.why-list p { color: var(--muted); margin: 0; }

/* ================= ABOUT ================= */
.about-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(40px, 6vw, 72px); align-items: center; }
.about-img { border-radius: var(--radius); box-shadow: var(--shadow); }
.about-grid > div > p { color: var(--muted); }
.quotes { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 28px; }
.quote { margin: 0; padding: 20px; border-radius: var(--radius-sm); background: var(--soft); border: 1px solid var(--line); }
.quote p { color: var(--ink); font-size: .95rem; margin-bottom: 10px; }
.quote cite { font-style: normal; font-size: .8rem; color: var(--muted); }

/* ================= FAQ ================= */
.faq-wrap { display: grid; grid-template-columns: .8fr 1.2fr; gap: 48px; align-items: start; }
.faq details { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-sm); margin-bottom: 10px; }
.faq details[open] { border-color: #c9d5fb; }
.faq summary {
    list-style: none; cursor: pointer; padding: 18px 52px 18px 20px; position: relative;
    font: 600 1rem/1.4 var(--font-head); color: var(--ink);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%); font-size: 1.4rem; font-weight: 400; color: var(--accent); transition: transform .2s; }
.faq details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq details p { padding: 0 20px 18px; margin: 0; color: var(--muted); }
.faq details p a { color: var(--accent); }

/* ================= INSIGHTS ================= */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.blog-card { text-decoration: none; display: flex; flex-direction: column; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; transition: box-shadow .2s, transform .2s; }
.blog-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.blog-card img { aspect-ratio: 379 / 210; object-fit: cover; width: 100%; margin-bottom: 16px; }
.blog-card .tag, .blog-card h3, .blog-card .read-more { padding-inline: 20px; }
.tag { font-size: .75rem; font-weight: 600; color: var(--accent); margin-bottom: 6px; }
.blog-card h3 { font-size: 1.1rem; }
.read-more { font-weight: 600; font-size: .9rem; color: var(--accent); margin-top: auto; padding-bottom: 20px; }

/* ================= CONTACT ================= */
.contact { background: var(--accent); color: #dbe4ff; padding: clamp(64px, 8vw, 96px) 0; }
.contact h2 { color: var(--white); }
.contact .eyebrow { color: var(--white); background: rgba(255, 255, 255, .14); }
.contact .btn-primary { background: var(--white); color: var(--accent); box-shadow: none; }
.contact .btn-primary:hover { background: var(--accent-soft); }
.contact .btn-ghost { background: transparent; border-color: rgba(255, 255, 255, .45); color: var(--white); }
.contact .btn-ghost:hover { border-color: var(--white); }
.contact-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 48px; align-items: center; }
.contact-list { list-style: none; padding: 20px 24px; margin: 0; background: rgba(255, 255, 255, .08); border: 1px solid rgba(255, 255, 255, .16); border-radius: var(--radius); }
.contact-list li { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-bottom: 1px solid rgba(255, 255, 255, .14); }
.contact-list li:last-child { border-bottom: 0; }
.contact-list li > span:first-child { color: #b9c8ff; font-size: .9rem; }
.contact-list a { color: var(--white); font-weight: 600; text-decoration: none; text-align: right; }
.contact-list a:hover { text-decoration: underline; }

/* ================= FOOTER ================= */
.footer { background: var(--ink); color: #9aa3b5; padding: 56px 0 24px; font-size: .9rem; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; }
.footer-simple { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.footer-simple .footer-logo { margin-bottom: 0; }
.footer-logo { width: 72px; margin-bottom: 16px; background: var(--white); border-radius: 10px; padding: 6px; }
.footer h3 { color: var(--white); font-size: .95rem; margin-bottom: 14px; }
.footer nav a { display: block; text-decoration: none; padding: 4px 0; }
.footer a:hover { color: var(--white); }
.social { display: flex; gap: 10px; }
.social a { width: 38px; height: 38px; display: grid; place-items: center; border: 1px solid var(--ink-2); border-radius: 50%; }
.social svg { width: 16px; height: 16px; }
.footer-bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px 24px; margin-top: 40px; padding-top: 20px; border-top: 1px solid var(--ink-2); font-size: .8rem; }
.footer-bottom p { margin: 0; }

/* ================= LEGAL PAGES ================= */
.legal { padding: clamp(48px, 7vw, 88px) 0; }
.legal-body { max-width: 760px; }
.legal h1 { font-size: clamp(2rem, 4vw, 2.75rem); }
.legal h2 { font-size: 1.25rem; margin-top: 2em; }
.legal p, .legal li { color: var(--text); }
.legal ul { padding-left: 1.25em; margin: 0 0 1em; }
.legal li { margin-bottom: .4em; }
.legal a { color: var(--accent); }
.legal-updated { color: var(--muted) !important; font-size: .9rem; }
.legal-back { margin-left: auto; padding: 10px 18px; }
.legal + .footer { padding-top: 8px; }

/* ================= FLOATING / MOBILE BAR ================= */
.wa-float {
    position: fixed; right: 24px; bottom: 24px; z-index: 40;
    width: 56px; height: 56px; border-radius: 50%;
    display: grid; place-items: center;
    background: #25d366; color: var(--white);
    box-shadow: 0 10px 25px rgba(37, 211, 102, .35);
    transition: transform .2s;
}
.wa-float:hover { transform: scale(1.06); }
.wa-float svg { width: 28px; height: 28px; }
.mobile-bar { display: none; }

/* ================= RESPONSIVE ================= */
@media (max-width: 1080px) {
    .nav { gap: 20px; }
    .nav-phone { display: none; }
}

@media (max-width: 960px) {
    .menu-toggle {
        display: flex; flex-direction: column; justify-content: center; gap: 5px;
        width: 44px; height: 44px; margin-left: auto; padding: 10px;
        background: none; border: 0; cursor: pointer;
    }
    .menu-toggle span { height: 2px; background: var(--ink); border-radius: 2px; transition: transform .2s, opacity .2s; }
    .menu-toggle[aria-expanded=true] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
    .menu-toggle[aria-expanded=true] span:nth-child(2) { opacity: 0; }
    .menu-toggle[aria-expanded=true] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
    .header-cta { display: none; }
    .nav {
        position: fixed; inset: var(--header-h) 0 auto 0;
        flex-direction: column; align-items: stretch; gap: 0;
        background: var(--white); border-bottom: 1px solid var(--line);
        padding: 8px 16px 16px;
        transform: translateY(-8px); opacity: 0; visibility: hidden;
        transition: opacity .2s, transform .2s, visibility .2s;
    }
    .nav.active { transform: none; opacity: 1; visibility: visible; }
    .nav a { padding: 14px 4px; border-bottom: 1px solid var(--line); color: var(--ink); }
    .nav-phone { display: block; border-bottom: 0 !important; color: var(--accent) !important; }

    .hero-grid, .calc, .two-col, .about-grid, .faq-wrap, .contact-grid { grid-template-columns: 1fr; }
    .service-grid, .blog-grid { grid-template-columns: 1fr 1fr; }
    .steps { grid-template-columns: 1fr 1fr; }
    .bank-row { grid-template-columns: repeat(3, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .footer-grid > div:first-child { grid-column: 1 / -1; }
    .faq-wrap .section-head { margin-bottom: 0; }
}

@media (max-width: 640px) {
    :root { --header-h: 64px; }
    .logo img { width: 54px; }
    .hero-actions .btn { width: 100%; }
    .hero-proof { gap: 16px 28px; }
    .hero-proof strong { font-size: 1.4rem; }
    .form-row { grid-template-columns: 1fr; gap: 0; }
    .service-grid, .blog-grid, .steps, .quotes { grid-template-columns: 1fr; }
    .bank-row { grid-template-columns: repeat(2, 1fr); }
    .section-head { margin-bottom: 32px; }
    .contact-list li { flex-direction: column; gap: 2px; }
    .contact-list a { text-align: left; }
    .footer-bottom { flex-direction: column; }
    .wa-float { display: none; }
    .mobile-bar {
        display: grid; grid-template-columns: 1fr 1fr 1.4fr;
        position: fixed; left: 0; right: 0; bottom: 0; z-index: 45;
        background: var(--white); border-top: 1px solid var(--line);
        padding: 8px 8px calc(8px + env(safe-area-inset-bottom)); gap: 8px;
    }
    .mobile-bar a {
        display: grid; place-items: center; height: 46px; border-radius: 999px;
        text-decoration: none; font-weight: 600; font-size: .9rem;
        border: 1.5px solid var(--line); color: var(--ink);
    }
    .mobile-bar .mobile-bar-cta { background: var(--accent); color: var(--white); border-color: var(--accent); }
    body { padding-bottom: 70px; }
}

@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    *, *::before, *::after { transition: none !important; }
}