/* =================================================
   Festgeld Global · Modern Blue/White Edition
   Inter only · No italic display · Clean SaaS style
   ================================================= */

:root {
  /* Blue scale */
  --blue:        #1E5BD8;
  --blue-2:      #1849B8;
  --blue-3:      #143A95;
  --blue-light:  #3B82F6;
  --blue-100:    #DBEAFE;
  --blue-50:     #EFF6FF;
  --blue-tint:   #F4F8FE;

  /* Surface */
  --white:       #FFFFFF;
  --bg:          #F8FAFC;
  --bg-2:        #F1F5F9;
  --surface:     #FFFFFF;
  --section:     #F4F7FB;

  /* Ink */
  --ink:         #0F172A;
  --ink-soft:    #1E293B;
  --text:        #334155;
  --muted:       #64748B;
  --muted-2:     #94A3B8;

  /* Lines */
  --line:        #E2E8F0;
  --line-2:      #CBD5E1;

  /* Status */
  --success:     #10B981;
  --success-soft:#D1FAE5;
  --warn:        #F59E0B;
  --warn-soft:   #FEF3C7;
  --error:       #EF4444;
  --error-soft:  #FEE2E2;

  /* Type — Inter only */
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  /* Radius — modern medium */
  --r-sm:  6px;
  --r-md:  10px;
  --r-lg:  14px;
  --r-xl:  18px;
  --r-2xl: 24px;
  --r-pill: 999px;

  /* Shadow — soft and modern */
  --shadow-xs:  0 1px 2px rgba(15,23,42,0.04);
  --shadow-sm:  0 2px 6px rgba(15,23,42,0.06);
  --shadow:     0 6px 18px rgba(15,23,42,0.07);
  --shadow-md:  0 14px 32px rgba(15,23,42,0.10);
  --shadow-lg:  0 24px 56px rgba(15,23,42,0.14);
  --shadow-blue:0 12px 28px rgba(30,91,216,0.28);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; scroll-padding-top: 92px; }
body {
  margin: 0;
  font-family: var(--sans);
  font-weight: 400;
  font-size: 15.5px;
  color: var(--text);
  background: var(--white);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
::selection { background: var(--blue); color: var(--white); }
h1, h2, h3, h4, h5, h6 {
  margin: 0;
  font-family: var(--sans);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--ink);
}
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
img { display: block; max-width: 100%; height: auto; }

.accent-blue { color: var(--blue); }
.container { width: 100%; max-width: 1280px; margin: 0 auto; padding: 0 24px; }
.container-narrow { width: 100%; max-width: 880px; margin: 0 auto; padding: 0 24px; }

/* =============== TOP BAR =============== */
.topbar {
  background: var(--blue-3);
  color: var(--blue-100);
  padding: 9px 0;
  font-size: 12.5px;
}
.topbar-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}
.topbar-left, .topbar-right {
  display: flex;
  align-items: center;
  gap: 22px;
  flex-wrap: wrap;
}
.topbar a {
  color: var(--blue-100);
  display: inline-flex;
  align-items: center;
  gap: 7px;
  transition: color .15s;
}
.topbar a:hover { color: var(--white); }
.topbar svg { width: 13px; height: 13px; opacity: 0.85; }
.topbar .sep { opacity: 0.35; }

/* =============== HEADER =============== */
header {
  background: var(--white);
  padding: 18px 0;
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 100;
  transition: padding .2s ease, box-shadow .2s ease;
}
header.scrolled {
  padding: 12px 0;
  box-shadow: var(--shadow-sm);
}
.nav { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.logo { display: flex; align-items: center; flex-shrink: 0; }
.logo img { height: 42px; width: auto; }

.nav-links { display: flex; gap: 4px; flex: 1; justify-content: center; }
.nav-links a {
  font-size: 14.5px;
  font-weight: 500;
  color: var(--ink-soft);
  padding: 9px 16px;
  border-radius: var(--r-md);
  transition: all .15s;
}
.nav-links a:hover { color: var(--blue); background: var(--blue-tint); }

.nav-right { display: flex; align-items: center; gap: 14px; }
.nav-phone {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--ink);
  font-size: 14px;
  font-weight: 600;
  padding: 8px 14px;
  border-radius: var(--r-md);
  transition: all .2s;
}
.nav-phone:hover { background: var(--blue-tint); color: var(--blue); }
.nav-phone svg { width: 15px; height: 15px; color: var(--blue); }

.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--blue);
  color: var(--white);
  padding: 11px 20px;
  font-size: 14px;
  font-weight: 600;
  border-radius: var(--r-md);
  transition: all .2s ease;
}
.nav-cta:hover { background: var(--blue-2); transform: translateY(-1px); box-shadow: var(--shadow-blue); }
.nav-cta svg { width: 14px; height: 14px; transition: transform .25s; }
.nav-cta:hover svg { transform: translateX(2px); }

.menu-toggle { display: none; flex-direction: column; gap: 5px; padding: 8px; background: transparent; }
.menu-toggle span { width: 22px; height: 2px; background: var(--ink); border-radius: 2px; }

/* =============== HERO + FORM =============== */
.hero {
  background: linear-gradient(180deg, var(--blue-tint) 0%, var(--white) 100%);
  padding: 60px 0 80px;
  position: relative;
  overflow: hidden;
  scroll-margin-top: 92px;
}
.hero::before {
  content: "";
  position: absolute;
  top: -200px; right: -200px;
  width: 800px; height: 800px;
  background: radial-gradient(circle, rgba(30,91,216,0.07), transparent 65%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-left { padding-top: 6px; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--blue-100);
  color: var(--blue);
  padding: 7px 14px;
  border-radius: var(--r-pill);
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 24px;
  box-shadow: var(--shadow-xs);
}
.hero-badge .dot {
  width: 8px; height: 8px;
  background: var(--blue);
  border-radius: 50%;
  animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.15); }
}
.hero h1 {
  font-family: var(--sans);
  font-size: clamp(38px, 5.5vw, 62px);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.03em;
  margin-bottom: 22px;
  color: var(--ink);
}
.hero h1 .accent-blue { color: var(--blue); }
.hero-lede {
  font-size: 17.5px;
  color: var(--text);
  max-width: 520px;
  margin: 0 0 32px;
  line-height: 1.6;
}
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  padding-top: 28px;
  border-top: 1px solid var(--line);
  max-width: 540px;
}
.hero-stat .val {
  font-size: 32px;
  font-weight: 800;
  color: var(--blue);
  letter-spacing: -0.025em;
  line-height: 1;
  margin-bottom: 6px;
}
.hero-stat .lbl { font-size: 13px; color: var(--muted); font-weight: 500; line-height: 1.4; }

/* =============== FORM CARD =============== */
.form-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-2xl);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  position: relative;
}
.form-card-top {
  background: var(--blue);
  padding: 24px 30px;
  color: var(--white);
}
.form-card-top h2 {
  font-size: 24px;
  font-weight: 700;
  color: var(--white);
  margin: 0 0 6px;
  letter-spacing: -0.015em;
}
.form-card-top p {
  font-size: 13.5px;
  color: rgba(255,255,255,0.85);
  margin: 0;
}
.form-card-no {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  color: var(--blue-100);
  background: rgba(255,255,255,0.16);
  padding: 4px 10px;
  border-radius: var(--r-pill);
  margin-bottom: 12px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.form-card-body { padding: 26px 30px 28px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 4px; }
.field { margin-bottom: 14px; }

.form-card label,
.bm-form label {
  display: block;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--ink-soft);
  margin-bottom: 6px;
}
.form-card label .req,
.bm-form label .req { color: var(--blue); }

.form-card input:not([type="checkbox"]):not([type="hidden"]),
.form-card select,
.form-card textarea,
.bm-form input:not([type="checkbox"]):not([type="hidden"]),
.bm-form select,
.bm-form textarea {
  width: 100%;
  padding: 11px 14px;
  font-size: 14.5px;
  font-family: inherit;
  background: var(--bg);
  border: 1.5px solid transparent;
  border-radius: var(--r-md);
  color: var(--ink);
  transition: all .15s;
}
.form-card input::placeholder, .bm-form input::placeholder { color: var(--muted-2); }
.form-card input:focus,
.form-card select:focus,
.form-card textarea:focus,
.bm-form input:focus,
.bm-form select:focus,
.bm-form textarea:focus {
  outline: none;
  background: var(--white);
  border-color: var(--blue);
  box-shadow: 0 0 0 3px var(--blue-100);
}

.form-card .check, .bm-form .check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 12px 0 20px;
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.5;
}
.form-card .check input, .bm-form .check input {
  margin-top: 3px;
  flex-shrink: 0;
  accent-color: var(--blue);
  width: 16px; height: 16px;
}
.form-card .check a, .bm-form .check a {
  color: var(--blue);
  text-decoration: underline;
  text-underline-offset: 2px;
  font-weight: 500;
}

.btn-submit {
  width: 100%;
  background: var(--blue);
  color: var(--white);
  padding: 14px 22px;
  border: none;
  border-radius: var(--r-md);
  font-size: 15px;
  font-weight: 600;
  font-family: inherit;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  transition: all .2s ease;
}
.btn-submit:hover {
  background: var(--blue-2);
  transform: translateY(-1px);
  box-shadow: var(--shadow-blue);
}
.btn-submit:disabled { opacity: 0.6; cursor: not-allowed; transform: none; }
.btn-submit svg { width: 16px; height: 16px; transition: transform .25s; }
.btn-submit:hover svg { transform: translateX(3px); }

.form-foot {
  display: flex;
  justify-content: center;
  gap: 18px;
  margin-top: 14px;
  font-size: 11.5px;
  color: var(--muted);
  font-weight: 500;
  flex-wrap: wrap;
}
.form-foot span { display: inline-flex; align-items: center; gap: 6px; }
.form-foot svg { width: 13px; height: 13px; color: var(--success); }
.form-msg { margin-top: 12px; padding: 12px 14px; border-radius: var(--r-md); font-size: 13.5px; display: none; }
.form-msg.show { display: block; }
.form-msg.error { background: var(--error-soft); color: var(--error); border-left: 3px solid var(--error); }

/* =============== SECTIONS =============== */
.section { padding: 90px 0; }
.section-white { background: var(--white); }
.section-bg { background: var(--bg); }
.section-section { background: var(--section); }
.section-blue { background: var(--blue); color: var(--white); }
.section-ink { background: var(--ink); color: var(--white); }

.section-head { text-align: center; max-width: 720px; margin: 0 auto 56px; }
.section-head .eyebrow {
  display: inline-block;
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue);
  background: var(--blue-tint);
  padding: 6px 14px;
  border-radius: var(--r-pill);
  margin-bottom: 18px;
}
.section-blue .section-head .eyebrow, .section-ink .section-head .eyebrow {
  background: rgba(255,255,255,0.12);
  color: var(--white);
}
.section-head h2 {
  font-size: clamp(32px, 4.5vw, 48px);
  font-weight: 800;
  letter-spacing: -0.025em;
  line-height: 1.1;
  margin-bottom: 16px;
  color: var(--ink);
}
.section-blue .section-head h2, .section-ink .section-head h2 { color: var(--white); }
.section-head h2 .accent-blue { color: var(--blue); }
.section-blue .section-head h2 .accent-blue, .section-ink .section-head h2 .accent-blue { color: var(--blue-light); }
.section-head p {
  font-size: 16.5px;
  color: var(--text);
  line-height: 1.6;
  margin: 0 auto;
  max-width: 580px;
}
.section-blue .section-head p, .section-ink .section-head p { color: rgba(255,255,255,0.75); }

/* =============== BANK LIST (directly under hero) =============== */
.banks-section { padding: 80px 0 90px; background: var(--bg); }
.bank-list { display: flex; flex-direction: column; gap: 14px; }
.bank-card {
  background: var(--white);
  border-radius: var(--r-xl);
  padding: 22px 26px;
  display: grid;
  grid-template-columns: 60px 1fr auto;
  gap: 26px;
  align-items: center;
  transition: all .25s ease;
  border: 1.5px solid var(--line);
  position: relative;
}
.bank-card:hover {
  border-color: var(--blue);
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}
.bc-num {
  font-size: 22px;
  font-weight: 800;
  color: var(--muted-2);
  text-align: center;
  line-height: 1;
  letter-spacing: -0.02em;
  transition: color .25s;
}
.bank-card:hover .bc-num { color: var(--blue); }

.bc-main {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 26px;
  align-items: center;
  min-width: 0;
}
.bc-identity { display: flex; align-items: center; gap: 14px; min-width: 0; }
.bc-logo {
  width: 52px; height: 52px;
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  overflow: hidden;
}
.bc-logo img { max-width: 36px; max-height: 36px; object-fit: contain; }
.bc-logo.no-logo {
  background: var(--blue);
  border-color: var(--blue);
  color: var(--white);
  font-size: 22px;
  font-weight: 700;
}
.bc-text { min-width: 0; }
.bc-name {
  font-size: 17px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 4px;
  line-height: 1.2;
  letter-spacing: -0.01em;
}
.bc-rating {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12.5px;
  color: var(--muted);
  font-weight: 500;
}
.bc-stars { color: var(--warn); letter-spacing: 1.5px; font-size: 13px; }
.bc-badge {
  display: inline-block;
  margin-top: 4px;
  padding: 3px 9px;
  background: var(--success-soft);
  color: var(--success);
  border-radius: var(--r-sm);
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.bc-metrics { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.bc-metric { text-align: left; }
.bc-metric .lbl {
  font-size: 11px;
  font-weight: 600;
  color: var(--muted);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 4px;
}
.bc-metric .val {
  font-size: 18px;
  font-weight: 700;
  color: var(--ink);
  line-height: 1;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.01em;
}
.bc-metric.primary .val {
  color: var(--blue);
  font-size: 22px;
}

.bc-cta {
  background: var(--blue);
  color: var(--white);
  padding: 12px 22px;
  border-radius: var(--r-md);
  font-size: 13.5px;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border: none;
  cursor: pointer;
  transition: all .2s;
  white-space: nowrap;
}
.bc-cta:hover { background: var(--blue-2); transform: translateY(-1px); box-shadow: var(--shadow-blue); }
.bc-cta svg { width: 13px; height: 13px; transition: transform .25s; }
.bc-cta:hover svg { transform: translateX(3px); }

.bc-info-strip {
  grid-column: 1 / -1;
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  padding-top: 14px;
  margin-top: 8px;
  border-top: 1px dashed var(--line);
}
.bc-info-item {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 12.5px;
  color: var(--text);
  font-weight: 500;
}
.bc-info-item svg { width: 13px; height: 13px; color: var(--success); flex-shrink: 0; }

/* =============== TRUST BAR =============== */
.trust-bar { background: var(--blue); color: var(--white); padding: 26px 0; }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; align-items: center; }
.tg-item { display: flex; align-items: center; gap: 14px; }
.tg-ico {
  width: 42px; height: 42px;
  background: rgba(255,255,255,0.14);
  border-radius: var(--r-md);
  display: grid;
  place-items: center;
  color: var(--white);
  flex-shrink: 0;
}
.tg-ico svg { width: 20px; height: 20px; }
.tg-val { font-size: 20px; font-weight: 800; color: var(--white); line-height: 1; margin-bottom: 4px; letter-spacing: -0.015em; }
.tg-lbl { font-size: 12.5px; color: rgba(255,255,255,0.72); font-weight: 500; }

/* =============== CALCULATOR =============== */
.calc-section { padding: 90px 0; background: var(--white); }
.calc-shell {
  background: var(--white);
  border-radius: var(--r-2xl);
  overflow: hidden;
  border: 1px solid var(--line);
  display: grid;
  grid-template-columns: 1fr 1fr;
  box-shadow: var(--shadow);
}
.calc-controls { padding: 38px 36px 32px; }
.calc-step {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--blue-tint);
  color: var(--blue);
  padding: 5px 12px;
  border-radius: var(--r-pill);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.04em;
  margin-bottom: 16px;
  text-transform: uppercase;
}
.calc-controls h3 {
  font-size: 26px;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 32px;
  line-height: 1.15;
  color: var(--ink);
}

.cs-slot { margin-bottom: 24px; }
.cs-slot:last-of-type { margin-bottom: 0; }
.cs-label {
  font-size: 12.5px;
  font-weight: 600;
  color: var(--muted);
  margin-bottom: 8px;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}
.cs-val {
  font-size: 28px;
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -0.025em;
  margin-bottom: 14px;
  line-height: 1;
  font-variant-numeric: tabular-nums;
}
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--blue) 0%, var(--blue) var(--filled, 50%), var(--line-2) var(--filled, 50%));
  border-radius: 999px;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  background: var(--blue);
  border: 3px solid var(--white);
  border-radius: 50%;
  cursor: pointer;
  transition: transform .15s;
  box-shadow: var(--shadow-sm);
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px;
  background: var(--blue);
  border: 3px solid var(--white);
  border-radius: 50%;
  cursor: pointer;
}
.cs-bounds {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--muted);
  margin-top: 10px;
  font-variant-numeric: tabular-nums;
  font-weight: 500;
}

/* Calculator result side */
.calc-result-side {
  background: var(--blue);
  color: var(--white);
  padding: 44px 36px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.calc-result-side::before {
  content: "";
  position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(255,255,255,0.10), transparent 65%);
  pointer-events: none;
}
.calc-result-side > * { position: relative; z-index: 1; }
.cr-eyebrow {
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue-100);
  margin-bottom: 18px;
}
.cr-final {
  font-size: clamp(54px, 9vw, 92px);
  font-weight: 800;
  color: var(--white);
  line-height: 0.95;
  letter-spacing: -0.04em;
  font-variant-numeric: tabular-nums;
  margin-bottom: 14px;
}
.cr-final .euro { opacity: 0.65; font-weight: 500; font-size: 0.5em; }
.cr-sub {
  font-size: 15px;
  color: rgba(255,255,255,0.82);
  margin: 0 0 24px;
  font-weight: 500;
}
.cr-sub strong { color: var(--white); font-weight: 700; }

.cr-breakdown {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px 24px;
  padding-top: 22px;
  border-top: 1px solid rgba(255,255,255,0.18);
}
.crb-lbl {
  font-size: 11px;
  font-weight: 600;
  color: var(--blue-100);
  opacity: 0.85;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 6px;
}
.crb-val { font-size: 20px; font-weight: 800; color: var(--white); letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }

.calc-actions {
  grid-column: 1 / -1;
  padding: 22px 36px;
  background: var(--bg);
  border-top: 1px solid var(--line);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.calc-quick { display: flex; gap: 6px; align-items: center; flex-wrap: wrap; }
.cq-label {
  font-size: 11.5px;
  font-weight: 600;
  color: var(--muted);
  margin-right: 4px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.qs {
  padding: 7px 13px;
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--r-pill);
  color: var(--ink-soft);
  font-size: 12.5px;
  font-weight: 600;
  cursor: pointer;
  transition: all .2s;
  white-space: nowrap;
}
.qs:hover { border-color: var(--blue); color: var(--blue); }
.qs.selected { background: var(--blue); color: var(--white); border-color: var(--blue); }
.calc-cta {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--ink);
  color: var(--white);
  padding: 12px 22px;
  border-radius: var(--r-md);
  font-size: 13.5px;
  font-weight: 600;
  border: none;
  transition: all .2s;
  white-space: nowrap;
  cursor: pointer;
}
.calc-cta:hover { background: var(--blue); }
.calc-cta svg { width: 14px; height: 14px; transition: transform .25s; }
.calc-cta:hover svg { transform: translateX(3px); }

/* =============== FEATURES =============== */
.features-section { padding: 90px 0; background: var(--section); }
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.feature {
  background: var(--white);
  border-radius: var(--r-xl);
  padding: 32px 28px;
  border: 1px solid var(--line);
  transition: all .3s ease;
  position: relative;
}
.feature:hover {
  border-color: var(--blue);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.f-icon {
  width: 56px; height: 56px;
  background: var(--blue-tint);
  border-radius: var(--r-md);
  display: grid;
  place-items: center;
  color: var(--blue);
  margin-bottom: 22px;
  transition: all .3s;
}
.feature:hover .f-icon {
  background: var(--blue);
  color: var(--white);
}
.f-icon svg { width: 26px; height: 26px; }
.feature h3 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 12px;
  letter-spacing: -0.015em;
  line-height: 1.2;
  color: var(--ink);
}
.feature p { font-size: 14.5px; color: var(--text); line-height: 1.6; margin: 0; }

/* =============== PROCESS =============== */
.process-section { padding: 90px 0; background: var(--ink); color: var(--white); position: relative; overflow: hidden; }
.process-section::before {
  content: "";
  position: absolute;
  top: -200px; left: -200px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(30,91,216,0.18), transparent 65%);
  pointer-events: none;
}
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; position: relative; z-index: 1; }
.process-step {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--r-xl);
  padding: 28px 26px;
  transition: all .25s;
}
.process-step:hover {
  background: rgba(59,130,246,0.10);
  border-color: var(--blue-light);
  transform: translateY(-4px);
}
.ps-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px; height: 44px;
  background: var(--blue);
  color: var(--white);
  border-radius: var(--r-md);
  font-size: 18px;
  font-weight: 800;
  margin-bottom: 20px;
}
.process-step h4 { font-size: 18px; color: var(--white); margin-bottom: 10px; font-weight: 700; letter-spacing: -0.01em; line-height: 1.2; }
.process-step p { font-size: 14px; color: rgba(255,255,255,0.65); line-height: 1.6; margin: 0; }

/* =============== BLOG =============== */
.blog-section { padding: 90px 0; background: var(--white); }
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.blog-card {
  background: var(--white);
  border-radius: var(--r-xl);
  overflow: hidden;
  border: 1px solid var(--line);
  transition: all .3s;
  display: flex;
  flex-direction: column;
}
.blog-card:hover {
  border-color: var(--blue);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.blog-thumb {
  height: 200px;
  position: relative;
  overflow: hidden;
  background: var(--blue-tint);
}
.blog-thumb-svg { width: 100%; height: 100%; transition: transform .55s cubic-bezier(0.16,1,0.3,1); }
.blog-card:hover .blog-thumb-svg { transform: scale(1.04); }
.blog-tag {
  position: absolute;
  top: 14px; left: 14px;
  background: var(--white);
  color: var(--blue);
  padding: 5px 12px;
  border-radius: var(--r-pill);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  z-index: 2;
}
.blog-body { padding: 24px 26px 26px; display: flex; flex-direction: column; flex: 1; }
.blog-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 12px;
  color: var(--muted);
  margin-bottom: 10px;
  font-weight: 500;
}
.blog-meta .dot { width: 3px; height: 3px; background: var(--line-2); border-radius: 50%; }
.blog-title {
  font-size: 19px;
  font-weight: 700;
  letter-spacing: -0.015em;
  margin-bottom: 10px;
  line-height: 1.25;
  color: var(--ink);
  transition: color .2s;
}
.blog-card:hover .blog-title { color: var(--blue); }
.blog-excerpt { font-size: 14.5px; color: var(--text); line-height: 1.55; margin-bottom: 18px; flex: 1; }
.blog-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--blue);
  align-self: flex-start;
  transition: gap .2s;
}
.blog-link:hover { gap: 12px; }
.blog-link svg { width: 14px; height: 14px; }

/* =============== REVIEWS =============== */
.reviews-section { padding: 90px 0; background: var(--bg); }
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.review-card {
  background: var(--white);
  border-radius: var(--r-xl);
  padding: 28px 26px;
  border: 1px solid var(--line);
  transition: all .3s;
  display: flex;
  flex-direction: column;
}
.review-card:hover { border-color: var(--blue); transform: translateY(-2px); box-shadow: var(--shadow); }
.rv-stars { color: var(--warn); letter-spacing: 2px; font-size: 16px; margin-bottom: 14px; }
.rv-quote { font-size: 15px; color: var(--text); line-height: 1.6; margin: 0 0 22px; flex: 1; }
.rv-author { display: flex; align-items: center; gap: 12px; padding-top: 18px; border-top: 1px solid var(--line); }
.rv-avatar {
  width: 44px; height: 44px;
  background: var(--blue);
  color: var(--white);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: 15px;
  flex-shrink: 0;
}
.rv-info .name { font-weight: 700; font-size: 14.5px; color: var(--ink); }
.rv-info .role { font-size: 12.5px; color: var(--muted); margin-top: 2px; }

/* =============== FAQ =============== */
.faq-section { padding: 90px 0; background: var(--white); }
.faq-wrap { max-width: 860px; margin: 0 auto; }
details {
  background: var(--bg);
  border: 1.5px solid transparent;
  border-radius: var(--r-md);
  margin-bottom: 12px;
  transition: all .25s;
  overflow: hidden;
}
details[open] { background: var(--white); border-color: var(--blue); box-shadow: var(--shadow-sm); }
summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  cursor: pointer;
  list-style: none;
  font-size: 16.5px;
  font-weight: 700;
  color: var(--ink);
  gap: 16px;
  letter-spacing: -0.005em;
}
summary::-webkit-details-marker { display: none; }
summary .faq-num {
  font-size: 12px;
  color: var(--muted);
  flex-shrink: 0;
  font-weight: 600;
}
details[open] summary .faq-num { color: var(--blue); }
details[open] summary { color: var(--blue); }
summary .plus {
  width: 30px; height: 30px;
  border-radius: 50%;
  background: var(--white);
  border: 1.5px solid var(--line);
  display: grid;
  place-items: center;
  color: var(--ink);
  font-size: 16px;
  font-weight: 500;
  flex-shrink: 0;
  transition: all .25s;
  margin-left: auto;
}
details[open] summary .plus {
  background: var(--blue);
  border-color: var(--blue);
  color: var(--white);
  transform: rotate(45deg);
}
details > div {
  padding: 0 24px 22px;
  color: var(--text);
  font-size: 14.5px;
  line-height: 1.7;
}
details > div p { margin: 0 0 10px; }
details > div strong { color: var(--blue); font-weight: 700; }

/* =============== CTA =============== */
.cta-section { padding: 90px 0; background: var(--white); }
.cta-card {
  background: var(--blue);
  border-radius: var(--r-2xl);
  padding: 56px 52px;
  color: var(--white);
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.4fr auto;
  align-items: center;
  gap: 40px;
}
.cta-card::before {
  content: "";
  position: absolute;
  top: -200px; right: -100px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(255,255,255,0.12), transparent 65%);
  pointer-events: none;
}
.cta-card > * { position: relative; z-index: 1; }
.cta-card .eyebrow {
  display: inline-block;
  background: rgba(255,255,255,0.16);
  color: var(--white);
  padding: 5px 14px;
  border-radius: var(--r-pill);
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.cta-card h2 {
  font-size: clamp(30px, 4.5vw, 46px);
  color: var(--white);
  font-weight: 800;
  letter-spacing: -0.025em;
  line-height: 1.1;
  margin-bottom: 16px;
}
.cta-card p { font-size: 16.5px; color: rgba(255,255,255,0.85); margin: 0; line-height: 1.6; max-width: 540px; }
.btn-white {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--white);
  color: var(--blue);
  padding: 16px 32px;
  border-radius: var(--r-md);
  font-size: 14.5px;
  font-weight: 700;
  transition: all .2s ease;
  white-space: nowrap;
  border: none;
}
.btn-white:hover { background: var(--ink); color: var(--white); transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.btn-white svg { width: 16px; height: 16px; transition: transform .25s; }
.btn-white:hover svg { transform: translateX(3px); }

/* =============== FOOTER =============== */
footer { background: var(--ink); color: rgba(255,255,255,0.65); padding: 70px 0 28px; }
.footer-row { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 38px; margin-bottom: 44px; }
.footer-brand img { height: 48px; }
.footer-brand p { font-size: 14px; line-height: 1.65; color: rgba(255,255,255,0.55); margin: 18px 0 22px; max-width: 340px; }
.footer-social { display: flex; gap: 8px; }
.footer-social a {
  width: 38px; height: 38px;
  background: rgba(255,255,255,0.06);
  border-radius: var(--r-md);
  display: grid;
  place-items: center;
  color: rgba(255,255,255,0.7);
  transition: all .25s;
}
.footer-social a:hover { background: var(--blue); color: var(--white); transform: translateY(-2px); }
.footer-social svg { width: 16px; height: 16px; }
footer h4 { font-size: 15px; font-weight: 700; color: var(--white); margin-bottom: 18px; }
footer ul { list-style: none; padding: 0; margin: 0; }
footer li {
  margin-bottom: 11px;
  font-size: 14px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  line-height: 1.55;
}
footer li svg { width: 14px; height: 14px; color: var(--blue-light); flex-shrink: 0; margin-top: 4px; }
footer a { color: rgba(255,255,255,0.65); transition: color .15s; }
footer a:hover { color: var(--blue-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.10);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 13px;
  color: rgba(255,255,255,0.45);
}

/* =============== BANK MODAL =============== */
.bank-modal {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(15,23,42,0.74);
  z-index: 1100;
  padding: 20px;
  backdrop-filter: blur(8px);
  overflow-y: auto;
  align-items: flex-start;
  justify-content: center;
}
.bank-modal.show { display: flex; animation: bm-fade .25s ease; }
@keyframes bm-fade { from { opacity: 0; } to { opacity: 1; } }
.bm-card {
  background: var(--white);
  max-width: 560px;
  width: 100%;
  border-radius: var(--r-2xl);
  margin: auto;
  position: relative;
  box-shadow: var(--shadow-lg);
  animation: bm-pop .35s cubic-bezier(0.16, 1, 0.3, 1);
  overflow: hidden;
}
@keyframes bm-pop {
  from { transform: translateY(20px) scale(0.96); opacity: 0; }
  to { transform: translateY(0) scale(1); opacity: 1; }
}
.bm-card .form-card-top { background: var(--blue); padding: 24px 30px; }
.bm-card .form-card-body { padding: 24px 30px 28px; }
.bm-close {
  position: absolute;
  top: 14px; right: 14px;
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.16);
  border-radius: 50%;
  display: grid;
  place-items: center;
  cursor: pointer;
  color: var(--white);
  font-size: 20px;
  transition: all .25s;
  z-index: 2;
}
.bm-close:hover { background: var(--white); color: var(--blue); transform: rotate(90deg); }
.bm-bank-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 5px 12px;
  background: rgba(255,255,255,0.16);
  border-radius: var(--r-pill);
  font-size: 11.5px;
  font-weight: 600;
  color: var(--blue-100);
  margin-bottom: 14px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.bm-bank-name { color: var(--white); font-weight: 700; }
.bm-card h3 {
  font-size: 24px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 4px;
  letter-spacing: -0.015em;
}
.bm-intro {
  font-size: 13.5px;
  color: rgba(255,255,255,0.78);
  margin: 0;
  line-height: 1.5;
}

/* =============== DANKE =============== */
.danke-page {
  padding: 90px 0 110px;
  background: linear-gradient(180deg, var(--blue-tint) 0%, var(--white) 100%);
  position: relative;
  overflow: hidden;
  min-height: 70vh;
  display: flex;
  align-items: center;
}
.danke-wrap { max-width: 680px; margin: 0 auto; text-align: center; position: relative; z-index: 2; }
.danke-icon {
  width: 110px; height: 110px;
  margin: 0 auto 30px;
  background: var(--blue);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--white);
  position: relative;
  animation: scaleIn .5s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: var(--shadow-blue);
}
.danke-icon svg { width: 48px; height: 48px; }
.danke-icon::before {
  content: "";
  position: absolute;
  inset: -10px;
  border: 3px solid var(--blue);
  border-radius: 50%;
  opacity: 0.4;
  animation: ringExpand 1.8s ease-out infinite;
}
@keyframes scaleIn { from { transform: scale(0); opacity: 0; } to { transform: scale(1); opacity: 1; } }
@keyframes ringExpand { 0% { transform: scale(1); opacity: 0.45; } 100% { transform: scale(1.5); opacity: 0; } }
.danke-page h1 {
  font-size: clamp(36px, 5vw, 52px);
  font-weight: 800;
  margin-bottom: 14px;
  letter-spacing: -0.025em;
  line-height: 1.1;
}
.danke-page h1 .accent-blue { color: var(--blue); }
.danke-wrap > p { font-size: 16.5px; color: var(--text); max-width: 480px; margin: 0 auto 28px; line-height: 1.6; }
.danke-ref {
  display: inline-block;
  margin-top: 6px;
  padding: 6px 14px;
  background: var(--blue-tint);
  color: var(--blue);
  border-radius: var(--r-pill);
  font-size: 13px;
  font-weight: 600;
}
.danke-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-xl);
  padding: 32px 36px;
  text-align: left;
  margin: 36px 0 28px;
  box-shadow: var(--shadow-sm);
}
.danke-card h3 { font-size: 19px; font-weight: 700; text-align: center; margin-bottom: 22px; letter-spacing: -0.015em; color: var(--ink); }
.danke-steps { list-style: none; margin: 0; padding: 0; }
.danke-steps li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 12px 0;
  font-size: 14px;
  color: var(--text);
  line-height: 1.55;
}
.danke-steps li + li { border-top: 1px solid var(--line); }
.danke-steps .step-num {
  width: 32px; height: 32px;
  background: var(--blue);
  color: var(--white);
  border-radius: var(--r-sm);
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: 14px;
  flex-shrink: 0;
}
.danke-steps strong { color: var(--ink); font-weight: 700; }
.danke-back {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--blue);
  color: var(--white);
  padding: 13px 26px;
  border-radius: var(--r-md);
  font-size: 14px;
  font-weight: 600;
  transition: all .2s;
}
.danke-back:hover { background: var(--blue-2); transform: translateY(-1px); box-shadow: var(--shadow-blue); }
.danke-back svg { width: 14px; height: 14px; transition: transform .25s; }
.danke-back:hover svg { transform: translateX(-3px); }

/* =============== LEGAL =============== */
.legal-page { padding: 60px 0 90px; background: var(--white); }
.legal-page h1 {
  font-size: clamp(34px, 4.5vw, 48px);
  font-weight: 800;
  margin-bottom: 28px;
  letter-spacing: -0.025em;
  color: var(--ink);
}
.legal-page h2 { font-size: 24px; font-weight: 700; margin: 38px 0 14px; color: var(--ink); letter-spacing: -0.015em; }
.legal-page h3 { font-size: 16px; margin: 22px 0 8px; color: var(--blue); font-weight: 700; }
.legal-page p, .legal-page li { font-size: 15px; color: var(--text); line-height: 1.7; }
.legal-page ul, .legal-page ol { padding-left: 20px; }
.legal-page a { color: var(--blue); text-decoration: underline; text-underline-offset: 3px; font-weight: 500; }
.legal-page a:hover { color: var(--blue-2); }
.legal-page strong { color: var(--ink); font-weight: 700; }
.info-block { background: var(--blue-tint); border-left: 3px solid var(--blue); border-radius: var(--r-sm); padding: 18px 22px; margin: 22px 0; }
.info-block p { margin: 4px 0; }

/* =============== BLOG DETAIL =============== */
.article-page { padding: 50px 0 80px; background: var(--white); }
.article-back {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  background: var(--bg);
  border-radius: var(--r-pill);
  font-size: 13px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 40px;
  transition: all .2s;
}
.article-back:hover { background: var(--blue); color: var(--white); }
.article-back svg { width: 13px; height: 13px; transition: transform .25s; }
.article-back:hover svg { transform: translateX(-3px); }
.article-hero { max-width: 800px; margin: 0 auto 44px; text-align: center; }
.article-tag {
  display: inline-block;
  padding: 6px 14px;
  background: var(--blue-tint);
  color: var(--blue);
  border-radius: var(--r-pill);
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 22px;
}
.article-hero h1 {
  font-size: clamp(34px, 5vw, 52px);
  font-weight: 800;
  margin-bottom: 22px;
  letter-spacing: -0.025em;
  line-height: 1.1;
}
.article-meta { display: inline-flex; align-items: center; gap: 14px; color: var(--muted); font-size: 13px; font-weight: 500; }
.article-meta .dot { width: 4px; height: 4px; background: var(--line-2); border-radius: 50%; }
.article-hero-thumb {
  max-width: 1000px;
  margin: 0 auto 58px;
  height: clamp(240px, 38vw, 420px);
  border-radius: var(--r-2xl);
  overflow: hidden;
  background: var(--blue-tint);
}
.article-hero-thumb svg { width: 100%; height: 100%; }
.article-body { max-width: 720px; margin: 0 auto; font-size: 16.5px; line-height: 1.75; color: var(--text); }
.article-body h2 { font-size: 28px; font-weight: 800; margin: 48px 0 14px; letter-spacing: -0.02em; color: var(--ink); line-height: 1.15; }
.article-body h3 { font-size: 20px; font-weight: 700; margin: 34px 0 12px; color: var(--blue); }
.article-body p { margin: 0 0 18px; }
.article-body strong { color: var(--ink); font-weight: 700; }
.article-body a { color: var(--blue); text-decoration: underline; text-underline-offset: 3px; font-weight: 500; }
.article-body ul, .article-body ol { margin: 0 0 22px; padding-left: 24px; }
.article-body li { margin-bottom: 8px; }
.article-body ul li::marker { color: var(--blue); }
.article-body blockquote {
  margin: 32px 0;
  padding: 22px 26px;
  background: var(--blue-tint);
  border-left: 4px solid var(--blue);
  border-radius: var(--r-md);
  font-size: 17px;
  font-weight: 600;
  color: var(--ink);
  line-height: 1.55;
}
.article-body blockquote p:last-child { margin-bottom: 0; }
.article-callout {
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: 20px 24px;
  margin: 30px 0;
  display: flex;
  gap: 16px;
}
.article-callout .ico {
  width: 36px; height: 36px;
  background: var(--blue);
  color: var(--white);
  border-radius: var(--r-sm);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  font-weight: 700;
  font-size: 16px;
}
.article-callout-body p:last-child { margin-bottom: 0; }
.article-callout-body p { font-size: 14.5px; line-height: 1.65; }
.article-cta {
  max-width: 720px;
  margin: 56px auto 0;
  background: var(--blue);
  border-radius: var(--r-xl);
  padding: 40px 36px;
  color: var(--white);
  text-align: center;
}
.article-cta h3 { font-size: 26px; color: var(--white); margin-bottom: 12px; font-weight: 800; letter-spacing: -0.02em; line-height: 1.15; }
.article-cta p { font-size: 15px; color: rgba(255,255,255,0.82); margin: 0 auto 22px; max-width: 460px; }
.btn-on-blue {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  color: var(--blue);
  padding: 13px 26px;
  border-radius: var(--r-md);
  font-size: 14px;
  font-weight: 700;
  transition: all .2s;
}
.btn-on-blue:hover { background: var(--ink); color: var(--white); transform: translateY(-2px); }
.btn-on-blue svg { width: 14px; height: 14px; transition: transform .25s; }
.btn-on-blue:hover svg { transform: translateX(3px); }
.related-section { background: var(--bg); padding: 70px 0; }
.related-section h3 { font-size: 28px; font-weight: 800; margin-bottom: 32px; letter-spacing: -0.02em; text-align: center; color: var(--ink); }

/* =============== REVEAL =============== */
.reveal { opacity: 0; transform: translateY(20px); transition: opacity .7s ease, transform .7s cubic-bezier(0.16, 1, 0.3, 1); }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* =============== RESPONSIVE =============== */
@media (max-width: 1180px) {
  .nav-links a { padding: 8px 12px; font-size: 13.5px; }
  .nav-phone span { display: none; }
}
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 44px; }
  .nav { position: relative; }
  .nav-links {
    display: none;
    position: absolute;
    top: calc(100% + 14px);
    left: 0;
    right: 0;
    flex-direction: column;
    justify-content: flex-start;
    gap: 6px;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--r-lg);
    padding: 12px;
    box-shadow: var(--shadow-md);
    z-index: 40;
  }
  .nav-links.open { display: flex; }
  .nav-links a {
    width: 100%;
    padding: 12px 14px;
  }
  .menu-toggle { display: flex; }
  .features-grid, .blog-grid, .reviews-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .bank-card { grid-template-columns: 50px 1fr; gap: 18px; }
  .bc-main { grid-template-columns: 1fr; gap: 18px; }
  .bc-cta { grid-column: 1 / -1; justify-self: stretch; justify-content: center; }
  .bc-info-strip { grid-column: 1 / -1; }
  .bc-metrics { grid-template-columns: repeat(4, 1fr); gap: 14px; }
  .calc-shell { grid-template-columns: 1fr; }
  .calc-actions { flex-direction: column; align-items: stretch; }
  .calc-quick { justify-content: center; }
  .calc-cta { justify-content: center; }
  .cta-card { grid-template-columns: 1fr; text-align: center; padding: 42px 32px; }
  .cta-card p { margin: 0 auto; }
  .cta-card .btn-white { justify-self: center; }
}
@media (max-width: 700px) {
  html { scroll-padding-top: 122px; }
  .container { padding: 0 18px; }
  .hero { padding: 36px 0 60px; scroll-margin-top: 122px; }
  .hero-stats { grid-template-columns: repeat(3, 1fr); gap: 10px; max-width: 100%; }
  .hero-stat .val { font-size: 24px; }
  .hero-stat .lbl { font-size: 11.5px; }
  .form-card-top, .form-card-body { padding-left: 22px; padding-right: 22px; }
  .features-grid, .blog-grid, .reviews-grid { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; gap: 12px; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .footer-row { grid-template-columns: 1fr 1fr; gap: 28px; }
  .footer-row > div:first-child { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .form-row .field { margin-bottom: 12px; }
  .section, .features-section, .calc-section, .process-section, .blog-section, .reviews-section, .faq-section, .cta-section, .banks-section { padding: 60px 0; }
  .calc-controls { padding: 28px 24px; }
  .calc-result-side { padding: 36px 24px; }
  .calc-actions { padding: 22px 24px; }
  .bank-card { padding: 22px 18px; gap: 14px; }
  .bc-num { font-size: 28px; }
  .bc-metrics { grid-template-columns: repeat(2, 1fr); gap: 14px; }
  .nav-cta { padding: 9px 14px; font-size: 13px; }
  .article-body { font-size: 15px; }
  .article-body h2 { font-size: 24px; }
  .topbar-left { flex: 1; min-width: 0; }
  .topbar-row { font-size: 11.5px; gap: 8px; }
  .topbar a span { display: none; }
}