/* =====================================================================
   MY ELOAH BUSINESS HUB — Main Stylesheet
   Brand Colors derived from official logo:
   Primary Crimson:  #8C1A12
   Dark Crimson:     #6B1310
   Near-Black Red:   #1C0A09
   Warm Gold:        #C9A84C
   Light Gold:       #E8C96A
   White:            #FFFFFF
   Light BG:         #FDF5F4
   ===================================================================== */

/* ── CSS Custom Properties ── */
:root {
  --crimson:        #8C1A12;
  --crimson-dark:   #6B1310;
  --crimson-darker: #4A0D09;
  --crimson-light:  #A8231A;
  --bg-dark:        #1C0A09;
  --bg-dark2:       #2A1210;
  --gold:           #C9A84C;
  --gold-light:     #E8C96A;
  --gold-dark:      #A88A35;
  --white:          #FFFFFF;
  --off-white:      #FDF5F4;
  --light-bg:       #F8F0EF;
  --border:         #E8D4D2;
  --text-dark:      #1C0A09;
  --text-med:       #4A2520;
  --text-light:     #7A5550;
  --text-muted:     #9E7570;
  --success:        #2E7D32;
  --error:          #C62828;
  --radius-sm:      6px;
  --radius-md:      10px;
  --radius-lg:      16px;
  --shadow-sm:      0 2px 8px rgba(140,26,18,.12);
  --shadow-md:      0 6px 24px rgba(140,26,18,.18);
  --shadow-lg:      0 12px 48px rgba(140,26,18,.22);
  --transition:     all .28s cubic-bezier(.4,0,.2,1);
  --header-h:       72px;
  --notif-h:        40px;
}

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Open Sans', Arial, sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.7;
  overflow-x: hidden;
  padding-top: calc(var(--header-h) + var(--notif-h));
}
body.no-notif { padding-top: var(--header-h); }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--crimson); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--crimson-dark); }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; }

/* ── Typography ── */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  line-height: 1.25;
  color: var(--text-dark);
}
h1 { font-size: clamp(2rem, 4.5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.65rem); }
h4 { font-size: 1.15rem; }
h5 { font-size: 1rem; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }
strong { font-weight: 600; }

/* ── Container ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container--wide { max-width: 1400px; }
.container--narrow { max-width: 860px; }

/* ── Grid ── */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-auto { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 28px; }

/* ── Buttons ── */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 13px 28px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .92rem;
  border-radius: var(--radius-md);
  transition: var(--transition);
  text-align: center;
  white-space: nowrap;
  letter-spacing: .3px;
}
.btn-sm { padding: 9px 20px; font-size: .82rem; }
.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn-full { width: 100%; justify-content: center; }

.btn-crimson {
  background: var(--crimson);
  color: var(--white);
  box-shadow: 0 4px 16px rgba(140,26,18,.35);
}
.btn-crimson:hover {
  background: var(--crimson-dark);
  color: var(--white);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(140,26,18,.45);
}

.btn-gold {
  background: var(--gold);
  color: var(--bg-dark);
  box-shadow: 0 4px 16px rgba(201,168,76,.35);
}
.btn-gold:hover {
  background: var(--gold-light);
  color: var(--bg-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,168,76,.45);
}

.btn-outline-crimson {
  border: 2px solid var(--crimson);
  color: var(--crimson);
  background: transparent;
}
.btn-outline-crimson:hover {
  background: var(--crimson);
  color: var(--white);
}

.btn-outline-light {
  border: 2px solid rgba(255,255,255,.6);
  color: var(--white);
  background: transparent;
}
.btn-outline-light:hover {
  background: rgba(255,255,255,.15);
  border-color: var(--white);
}

.btn-white {
  background: var(--white);
  color: var(--crimson);
  font-weight: 700;
}
.btn-white:hover {
  background: var(--off-white);
  color: var(--crimson-dark);
  transform: translateY(-2px);
}

/* ── Notification Bar ── */
.notif-bar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1001;
  background: var(--crimson);
  color: var(--white);
  height: var(--notif-h);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  font-size: .8rem;
  font-family: 'Montserrat', sans-serif;
  padding: 0 20px;
}
.notif-cta {
  background: var(--gold);
  color: var(--bg-dark);
  padding: 4px 14px;
  border-radius: 4px;
  font-weight: 700;
  font-size: .75rem;
  white-space: nowrap;
}
.notif-cta:hover { background: var(--gold-light); color: var(--bg-dark); }
.notif-close {
  position: absolute;
  right: 14px;
  color: rgba(255,255,255,.7);
  font-size: 1.1rem;
  line-height: 1;
  padding: 4px 8px;
  transition: var(--transition);
}
.notif-close:hover { color: var(--white); }

/* ── Header ── */
.site-header {
  position: fixed;
  top: var(--notif-h);
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--header-h);
  background: var(--white);
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
  box-shadow: 0 2px 20px rgba(0,0,0,.06);
}
.site-header.scrolled {
  box-shadow: 0 4px 30px rgba(0,0,0,.12);
  background: rgba(255,255,255,.97);
  backdrop-filter: blur(10px);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: 20px;
}

/* Logo */
.site-logo { display: flex; align-items: center; flex-shrink: 0; }
.site-logo img { height: 52px; width: auto; }
.logo-text { display: flex; flex-direction: column; line-height: 1; }
.logo-main {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 1.4rem;
  color: var(--crimson);
  letter-spacing: 2px;
}
.logo-sub {
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .58rem;
  color: var(--gold-dark);
  letter-spacing: 3px;
  margin-top: 2px;
}

/* Nav */
.primary-nav { flex: 1; display: flex; justify-content: center; }
.nav-list {
  display: flex;
  align-items: center;
  gap: 2px;
}
.nav-list li a {
  display: block;
  padding: 8px 12px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .78rem;
  color: var(--text-dark);
  letter-spacing: .3px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  white-space: nowrap;
}
.nav-list li a:hover,
.nav-list li.current-menu-item > a,
.nav-list li.current-page-ancestor > a {
  color: var(--crimson);
  background: var(--off-white);
}

/* Sub-menu */
.nav-list li { position: relative; }
.sub-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: var(--transition);
  z-index: 999;
}
.nav-list li:hover .sub-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.sub-menu li a {
  padding: 10px 18px;
  font-size: .8rem;
  border-radius: 0;
  display: block;
}
.sub-menu li:first-child a { border-radius: var(--radius-md) var(--radius-md) 0 0; }
.sub-menu li:last-child a  { border-radius: 0 0 var(--radius-md) var(--radius-md); }

/* Header Actions */
.header-actions { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.btn-whatsapp {
  display: flex; align-items: center; gap: 4px;
  background: #25D366;
  border-color: #25D366;
  color: #fff !important;
}
.btn-whatsapp:hover {
  background: #1ebe5d;
  border-color: #1ebe5d;
  color: #fff !important;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  border-radius: var(--radius-sm);
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2.5px;
  background: var(--text-dark);
  border-radius: 2px;
  transition: var(--transition);
}
.hamburger.active span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* Mobile nav overlay */
.nav-overlay {
  display: none;
  position: fixed; inset: 0;
  background: rgba(0,0,0,.5);
  z-index: 998;
}
.nav-overlay.active { display: block; }

/* ── Section Padding ── */
.section { padding: 80px 0; }
.section--sm { padding: 48px 0; }
.section--lg { padding: 100px 0; }
.section--dark { background: var(--bg-dark); color: var(--white); }
.section--crimson { background: var(--crimson); color: var(--white); }
.section--gold { background: var(--gold); color: var(--bg-dark); }
.section--light { background: var(--light-bg); }
.section--off-white { background: var(--off-white); }

/* Section Labels */
.section-label {
  display: inline-block;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .72rem;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(201,168,76,.12);
  border: 1px solid rgba(201,168,76,.3);
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 14px;
}
.section--dark .section-label,
.section--crimson .section-label { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.25); color: var(--gold-light); }
.section-label--crimson {
  color: var(--crimson);
  background: rgba(140,26,18,.08);
  border-color: rgba(140,26,18,.2);
}
.section-title { margin-bottom: 16px; }
.section-title span { color: var(--crimson); }
.section--dark .section-title, .section--crimson .section-title { color: var(--white); }
.section--dark .section-title span { color: var(--gold); }
.section-desc { color: var(--text-light); font-size: 1.05rem; max-width: 640px; }
.section--dark .section-desc { color: rgba(255,255,255,.75); }
.section-header { text-align: center; margin-bottom: 56px; }
.section-header .section-desc { margin: 0 auto; }

/* ── Hero ── */
.hero {
  position: relative;
  min-height: 88vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--bg-dark);
}
.hero-bg {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, var(--bg-dark) 0%, var(--crimson-darker) 40%, var(--bg-dark2) 100%);
}
.hero-bg::after {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 20% 50%, rgba(140,26,18,.45) 0%, transparent 60%),
    radial-gradient(ellipse at 80% 20%, rgba(201,168,76,.12) 0%, transparent 50%);
}
.hero-bg-image {
  position: absolute; inset: 0;
  background-size: cover;
  background-position: center;
  opacity: .12;
  mix-blend-mode: luminosity;
}
/* Pattern overlay */
.hero-bg::before {
  content: '';
  position: absolute; inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23C9A84C' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-content {
  position: relative;
  z-index: 2;
  padding: 80px 0;
}
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .72rem;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid rgba(201,168,76,.4);
  padding: 6px 16px;
  border-radius: 20px;
  margin-bottom: 24px;
}
.hero-eyebrow::before { content: ''; width: 6px; height: 6px; background: var(--gold); border-radius: 50%; }
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 .highlight { color: var(--gold); }
.hero-desc { color: rgba(255,255,255,.8); font-size: 1.12rem; max-width: 560px; margin-bottom: 36px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-stats {
  display: flex; flex-wrap: wrap; gap: 32px;
  margin-top: 52px;
  padding-top: 36px;
  border-top: 1px solid rgba(255,255,255,.12);
}
.hero-stat-num {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 2rem;
  color: var(--gold);
  display: block;
  line-height: 1;
  margin-bottom: 4px;
}
.hero-stat-label { font-size: .8rem; color: rgba(255,255,255,.65); letter-spacing: .5px; }

/* Hero right column — decorative card stack */
.hero-visual { position: relative; z-index: 2; }
.hero-card {
  background: rgba(255,255,255,.07);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-lg);
  padding: 22px 26px;
  color: var(--white);
  margin-bottom: 16px;
  transition: var(--transition);
}
.hero-card:hover { background: rgba(255,255,255,.12); transform: translateX(-4px); }
.hero-card-icon {
  width: 40px; height: 40px;
  background: var(--crimson);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 12px;
  font-size: 1.2rem;
}
.hero-card h4 { font-size: .92rem; margin-bottom: 4px; color: var(--gold-light); }
.hero-card p { font-size: .78rem; opacity: .75; margin: 0; }

/* ── Service Cards ── */
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--crimson), var(--gold));
  transform: scaleX(0);
  transition: var(--transition);
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.service-card:hover::before { transform: scaleX(1); }
.service-card-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--off-white), var(--light-bg));
  border: 2px solid var(--border);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 20px;
  transition: var(--transition);
}
.service-card:hover .service-card-icon {
  background: linear-gradient(135deg, var(--crimson), var(--crimson-dark));
  border-color: var(--crimson);
  color: var(--white);
}
.service-card h3 { font-size: 1.1rem; margin-bottom: 10px; }
.service-card p { color: var(--text-light); font-size: .88rem; flex: 1; }
.service-card-link {
  display: inline-flex; align-items: center; gap: 6px;
  margin-top: 18px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .78rem;
  color: var(--crimson);
  letter-spacing: .3px;
}
.service-card-link svg { transition: var(--transition); }
.service-card:hover .service-card-link svg { transform: translateX(4px); }

/* ── Why Choose Us / Feature Boxes ── */
.feature-box {
  display: flex; gap: 18px; align-items: flex-start;
  padding: 24px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-md);
  transition: var(--transition);
}
.feature-box:hover { background: rgba(255,255,255,.1); transform: translateX(4px); }
.feature-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  background: var(--crimson);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  color: var(--white);
}
.feature-box h4 { font-size: .95rem; color: var(--white); margin-bottom: 5px; }
.feature-box p { font-size: .82rem; color: rgba(255,255,255,.65); margin: 0; }

/* ── Stats Counter ── */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  background: var(--crimson);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.stat-item {
  padding: 36px 24px;
  text-align: center;
  border-right: 1px solid rgba(255,255,255,.15);
  position: relative;
}
.stat-item:last-child { border-right: none; }
.stat-number {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 2.4rem;
  color: var(--gold);
  display: block;
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label { font-size: .82rem; color: rgba(255,255,255,.8); font-family: 'Montserrat', sans-serif; font-weight: 500; }

/* ── Testimonials ── */
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  position: relative;
  height: 100%;
}
.testimonial-card::before {
  content: '"';
  position: absolute;
  top: 16px; right: 24px;
  font-size: 5rem;
  color: var(--off-white);
  font-family: 'Playfair Display', serif;
  line-height: 1;
  z-index: 0;
}
.testimonial-stars { color: var(--gold); font-size: 1rem; margin-bottom: 12px; letter-spacing: 2px; }
.testimonial-text { color: var(--text-med); font-size: .9rem; font-style: italic; margin-bottom: 20px; position: relative; z-index: 1; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--crimson), var(--crimson-dark));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-family: 'Montserrat', sans-serif;
  font-size: .9rem;
  flex-shrink: 0;
}
.testimonial-name { font-weight: 700; font-size: .88rem; font-family: 'Montserrat', sans-serif; }
.testimonial-role { font-size: .75rem; color: var(--text-muted); }

/* ── Process Steps ── */
.process-steps { counter-reset: step; }
.process-step {
  display: flex; gap: 24px; align-items: flex-start;
  margin-bottom: 32px;
  padding: 24px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  transition: var(--transition);
  counter-increment: step;
}
.process-step:hover { border-color: var(--crimson); box-shadow: var(--shadow-sm); }
.step-num {
  width: 48px; height: 48px; flex-shrink: 0;
  background: var(--crimson);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 1rem;
}
.step-content h4 { font-size: .95rem; margin-bottom: 5px; }
.step-content p { font-size: .83rem; color: var(--text-light); margin: 0; }

/* ── CTA Banner ── */
.cta-banner {
  background: linear-gradient(135deg, var(--crimson) 0%, var(--crimson-dark) 50%, var(--bg-dark) 100%);
  position: relative;
  overflow: hidden;
  padding: 72px 0;
}
.cta-banner::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='80' height='80' viewBox='0 0 80 80' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23C9A84C' fill-opacity='0.06'%3E%3Cpath d='M50 50c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10s-10-4.477-10-10 4.477-10 10-10zM10 10c0-5.523 4.477-10 10-10s10 4.477 10 10-4.477 10-10 10c0 5.523-4.477 10-10 10S0 25.523 0 20s4.477-10 10-10z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.cta-banner .container { position: relative; z-index: 1; text-align: center; }
.cta-banner h2 { color: var(--white); margin-bottom: 14px; }
.cta-banner p { color: rgba(255,255,255,.8); font-size: 1.05rem; max-width: 580px; margin: 0 auto 32px; }
.cta-banner .btn-group { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; }

/* ── Calculator ── */
.calculator-section {
  background: var(--light-bg);
  border-radius: var(--radius-lg);
  padding: 48px;
  border: 1px solid var(--border);
}
.calculator-tabs {
  display: flex; flex-wrap: wrap; gap: 8px;
  margin-bottom: 32px;
  border-bottom: 2px solid var(--border);
  padding-bottom: 0;
}
.calc-tab {
  padding: 10px 20px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .8rem;
  color: var(--text-light);
  border-radius: var(--radius-sm) var(--radius-sm) 0 0;
  border: 1px solid transparent;
  border-bottom: none;
  margin-bottom: -2px;
  transition: var(--transition);
}
.calc-tab:hover { color: var(--crimson); }
.calc-tab.active {
  background: var(--white);
  color: var(--crimson);
  border-color: var(--border);
  border-bottom-color: var(--white);
}
.calc-panel { display: none; animation: fadeUp .3s ease; }
.calc-panel.active { display: block; }

.calc-form { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin-bottom: 28px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
.form-label {
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .78rem;
  color: var(--text-med);
  letter-spacing: .3px;
}
.form-input, .form-select, .form-textarea {
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: .9rem;
  font-family: 'Open Sans', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  transition: var(--transition);
  width: 100%;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none;
  border-color: var(--crimson);
  box-shadow: 0 0 0 3px rgba(140,26,18,.1);
}
.form-textarea { min-height: 100px; resize: vertical; }
.form-hint { font-size: .73rem; color: var(--text-muted); }
.input-prefix-wrap { position: relative; }
.input-prefix {
  position: absolute; left: 12px; top: 50%; transform: translateY(-50%);
  font-weight: 700; color: var(--text-light); font-size: .85rem;
}
.input-prefix + .form-input { padding-left: 40px; }

.range-wrap { position: relative; }
.range-input {
  -webkit-appearance: none;
  width: 100%;
  height: 4px;
  background: linear-gradient(to right, var(--crimson) 0%, var(--crimson) var(--val, 50%), var(--border) var(--val, 50%), var(--border) 100%);
  border-radius: 4px;
  outline: none;
  border: none;
}
.range-input::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  background: var(--crimson);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(140,26,18,.4);
  border: 3px solid var(--white);
}
.range-value {
  position: absolute; right: 0; top: -26px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700; font-size: .8rem;
  color: var(--crimson);
}

.calc-result {
  background: var(--bg-dark);
  color: var(--white);
  border-radius: var(--radius-md);
  padding: 28px 32px;
  margin-top: 24px;
  display: none;
  animation: fadeUp .35s ease;
}
.calc-result.show { display: block; }
.calc-result h3 { color: var(--gold); font-size: 1.1rem; margin-bottom: 20px; }
.result-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-bottom: 20px; }
.result-item { text-align: center; padding: 16px; background: rgba(255,255,255,.06); border-radius: 8px; }
.result-num {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 1.5rem;
  color: var(--gold);
  display: block;
  margin-bottom: 4px;
}
.result-label { font-size: .75rem; color: rgba(255,255,255,.65); }
.result-note { font-size: .78rem; color: rgba(255,255,255,.55); margin: 0; line-height: 1.6; }

/* Email capture for detailed report */
.calc-email-form {
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,.15);
}
.calc-email-form h4 { font-size: .9rem; color: var(--gold-light); margin-bottom: 14px; }
.calc-email-row { display: flex; gap: 10px; flex-wrap: wrap; }
.calc-email-row .form-input { flex: 1; min-width: 180px; background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.2); color: var(--white); }
.calc-email-row .form-input::placeholder { color: rgba(255,255,255,.45); }
.calc-email-row .form-input:focus { border-color: var(--gold); background: rgba(255,255,255,.12); }
.calc-email-msg { font-size: .8rem; margin: 10px 0 0; }
.calc-email-msg.success { color: #4CAF50; }
.calc-email-msg.error { color: #FF7070; }

/* Progress bar for calculator */
.calc-progress {
  height: 6px;
  background: rgba(255,255,255,.12);
  border-radius: 3px;
  margin-bottom: 20px;
  overflow: hidden;
}
.calc-progress-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--crimson), var(--gold));
  border-radius: 3px;
  transition: width .5s ease;
}

/* ── Bank Comparison Table ── */
.bank-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .83rem;
}
.bank-table thead { background: var(--crimson); color: var(--white); }
.bank-table th {
  padding: 13px 16px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  text-align: left;
  font-size: .78rem;
  letter-spacing: .3px;
}
.bank-table td { padding: 11px 16px; border-bottom: 1px solid var(--border); color: var(--text-med); vertical-align: middle; }
.bank-table tbody tr:hover { background: var(--off-white); }
.bank-table .recommended { color: var(--crimson); font-weight: 700; }
.badge {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 12px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .68rem;
  letter-spacing: .5px;
}
.badge-green  { background: rgba(46,125,50,.12);  color: #2E7D32; }
.badge-gold   { background: rgba(201,168,76,.15); color: var(--gold-dark); }
.badge-red    { background: rgba(140,26,18,.1);  color: var(--crimson); }

/* ── Page Hero (inner pages) ── */
.page-hero {
  background: linear-gradient(135deg, var(--bg-dark) 0%, var(--crimson-darker) 50%, var(--bg-dark2) 100%);
  padding: 72px 0 60px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23C9A84C' fill-opacity='0.05'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero-label {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .7rem;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
  display: block;
}
.page-hero h1 { color: var(--white); margin-bottom: 14px; }
.page-hero .page-hero-desc { color: rgba(255,255,255,.75); font-size: 1.05rem; max-width: 600px; }

/* ── Breadcrumb ── */
.breadcrumb {
  padding: 14px 0;
  background: var(--off-white);
  border-bottom: 1px solid var(--border);
}
.breadcrumb ol, .breadcrumb-list {
  display: flex; flex-wrap: wrap; gap: 6px; align-items: center;
  font-size: .8rem;
  color: var(--text-muted);
  list-style: none;
  margin: 0;
  padding: 0;
}
.breadcrumb li, .breadcrumb-list li {
  display: flex; align-items: center; gap: 6px; list-style: none;
}
.breadcrumb a { color: var(--text-light); }
.breadcrumb a:hover { color: var(--crimson); }
.breadcrumb .sep { color: var(--border); }
.breadcrumb li:last-child a,
.breadcrumb li:last-child span { color: var(--crimson); font-weight: 600; }

/* ── FAQ Accordion ── */
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-bottom: 10px;
  transition: var(--transition);
}
.faq-item.open { border-color: var(--crimson); box-shadow: var(--shadow-sm); }
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 22px;
  text-align: left;
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .88rem;
  color: var(--text-dark);
  background: var(--white);
  transition: var(--transition);
}
.faq-question:hover, .faq-item.open .faq-question { background: var(--off-white); color: var(--crimson); }
.faq-icon {
  width: 24px; height: 24px; flex-shrink: 0;
  background: var(--border);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  transition: var(--transition);
  font-size: .85rem;
}
.faq-item.open .faq-icon { background: var(--crimson); color: var(--white); transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .35s ease;
}
.faq-answer-inner {
  padding: 0 22px 18px;
  font-size: .88rem;
  color: var(--text-light);
  line-height: 1.75;
}

/* ── Blog Cards ── */
.blog-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  height: 100%;
}
.blog-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: transparent; }
.blog-card-img {
  aspect-ratio: 16/9;
  overflow: hidden;
  background: var(--light-bg);
}
.blog-card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s ease; }
.blog-card:hover .blog-card-img img { transform: scale(1.06); }
.blog-card-body { padding: 22px; flex: 1; display: flex; flex-direction: column; }
.blog-cat {
  display: inline-block;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .68rem;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--crimson);
  background: rgba(140,26,18,.08);
  padding: 4px 10px;
  border-radius: 4px;
  margin-bottom: 10px;
}
.blog-card h3 { font-size: 1rem; margin-bottom: 8px; }
.blog-card h3 a { color: var(--text-dark); }
.blog-card h3 a:hover { color: var(--crimson); }
.blog-card p { font-size: .83rem; color: var(--text-light); flex: 1; margin-bottom: 16px; }
.blog-meta {
  display: flex; align-items: center; gap: 14px;
  font-size: .74rem;
  color: var(--text-muted);
  border-top: 1px solid var(--border);
  padding-top: 14px;
  margin-top: auto;
}
.blog-meta svg { color: var(--crimson); }

/* ── Contact ── */
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 48px; align-items: start; }
.contact-info-block {
  background: var(--bg-dark);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
}
.contact-info-block h3 { color: var(--gold); margin-bottom: 8px; }
.contact-info-block p { color: rgba(255,255,255,.7); font-size: .9rem; margin-bottom: 28px; }
.contact-detail-item {
  display: flex; gap: 14px; align-items: flex-start;
  padding: 16px 0;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.contact-detail-item:last-child { border-bottom: none; }
.contact-detail-icon {
  width: 38px; height: 38px; flex-shrink: 0;
  background: var(--crimson);
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
}
.contact-detail-label { font-size: .73rem; color: rgba(255,255,255,.5); font-family: 'Montserrat', sans-serif; font-weight: 600; letter-spacing: .5px; text-transform: uppercase; margin-bottom: 3px; }
.contact-detail-value { font-size: .88rem; color: var(--white); font-weight: 600; }
.contact-form-block {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
}
.contact-form-block h3 { color: var(--text-dark); margin-bottom: 24px; }
.contact-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.contact-form-grid .full { grid-column: 1 / -1; }

/* ── Footer ── */
.site-footer { background: var(--bg-dark); color: rgba(255,255,255,.75); }
.footer-top { padding: 72px 0 48px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.3fr; gap: 40px; }
.footer-logo { margin-bottom: 16px; }
.footer-logo .logo-main { font-size: 1.5rem; display: block; }
.footer-logo .logo-sub { display: block; }
.footer-tagline { font-family: 'Montserrat', sans-serif; font-weight: 600; color: var(--gold); font-size: .85rem; margin-bottom: 10px; }
.footer-desc { font-size: .82rem; line-height: 1.75; color: rgba(255,255,255,.6); }
.footer-social { display: flex; gap: 10px; margin-top: 20px; }
.social-icon {
  width: 36px; height: 36px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.7);
  transition: var(--transition);
}
.social-icon:hover { background: var(--crimson); border-color: var(--crimson); color: var(--white); }
.social-icon--wa:hover { background: #25D366; border-color: #25D366; }
.footer-heading {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .82rem;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.footer-links li { margin-bottom: 9px; }
.footer-links a {
  font-size: .83rem;
  color: rgba(255,255,255,.6);
  transition: var(--transition);
  display: flex; align-items: center; gap: 6px;
}
.footer-links a::before { content: '›'; color: var(--crimson); font-size: 1rem; }
.footer-links a:hover { color: var(--white); padding-left: 4px; }
.footer-contact-list li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: .82rem;
  color: rgba(255,255,255,.65);
  margin-bottom: 12px;
}
.footer-contact-list svg { flex-shrink: 0; margin-top: 3px; color: var(--gold); }
.footer-contact-list a { color: rgba(255,255,255,.65); }
.footer-contact-list a:hover { color: var(--white); }
.footer-newsletter h5 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .8rem;
  color: rgba(255,255,255,.8);
  margin: 20px 0 10px;
  letter-spacing: .5px;
}
.newsletter-row { display: flex; gap: 8px; }
.newsletter-row input {
  flex: 1;
  padding: 9px 14px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius-sm);
  color: var(--white);
  font-size: .82rem;
  font-family: 'Open Sans', sans-serif;
  transition: var(--transition);
}
.newsletter-row input::placeholder { color: rgba(255,255,255,.4); }
.newsletter-row input:focus { outline: none; border-color: var(--gold); background: rgba(255,255,255,.12); }
.newsletter-msg { font-size: .76rem; margin-top: 8px; color: #4CAF50; }
.footer-bottom {
  background: rgba(0,0,0,.3);
  padding: 18px 0;
  border-top: 1px solid rgba(255,255,255,.08);
}
.footer-bottom-inner { text-align: center; }
.copyright { font-size: .78rem; color: rgba(255,255,255,.55); margin-bottom: 3px; }
.footer-legal { font-size: .72rem; color: rgba(255,255,255,.35); }

/* ── WhatsApp Float ── */
.whatsapp-float {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 999;
  width: 58px; height: 58px;
  background: #25D366;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  box-shadow: 0 4px 20px rgba(37,211,102,.5);
  transition: var(--transition);
}
.whatsapp-float:hover {
  transform: scale(1.1) translateY(-3px);
  box-shadow: 0 8px 30px rgba(37,211,102,.6);
  color: var(--white);
}
.wa-tooltip {
  position: absolute;
  right: 68px;
  white-space: nowrap;
  background: var(--bg-dark);
  color: var(--white);
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .72rem;
  padding: 6px 12px;
  border-radius: 6px;
  opacity: 0;
  pointer-events: none;
  transition: var(--transition);
}
.wa-tooltip::after {
  content: '';
  position: absolute; right: -6px; top: 50%; transform: translateY(-50%);
  border: 6px solid transparent;
  border-right: none;
  border-left-color: var(--bg-dark);
}
.whatsapp-float:hover .wa-tooltip { opacity: 1; }

/* ── Back to Top ── */
.back-to-top {
  position: fixed;
  bottom: 98px;
  right: 28px;
  z-index: 999;
  width: 44px; height: 44px;
  background: var(--crimson);
  color: var(--white);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-sm);
  opacity: 0;
  pointer-events: none;
  transform: translateY(10px);
  transition: var(--transition);
}
.back-to-top.visible { opacity: 1; pointer-events: all; transform: translateY(0); }
.back-to-top:hover { background: var(--crimson-dark); transform: translateY(-3px); }

/* ── Cookie Banner ── */
.cookie-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 9998;
  background: var(--bg-dark);
  border-top: 2px solid var(--crimson);
  padding: 16px 24px;
  transform: translateY(100%);
  transition: transform .4s ease;
}
.cookie-banner.show { transform: translateY(0); }
.cookie-inner {
  max-width: 1200px; margin: 0 auto;
  display: flex; align-items: center; gap: 20px; flex-wrap: wrap;
}
.cookie-text p { font-size: .8rem; color: rgba(255,255,255,.75); margin: 0; }
.cookie-actions { display: flex; gap: 10px; flex-shrink: 0; margin-left: auto; }

/* ── Exit Popup ── */
.exit-popup { position: fixed; inset: 0; z-index: 10000; display: flex; align-items: center; justify-content: center; }
.exit-popup-overlay { position: absolute; inset: 0; background: rgba(0,0,0,.7); backdrop-filter: blur(4px); }
.exit-popup-content {
  position: relative; z-index: 1;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 44px;
  max-width: 480px;
  width: 90%;
  box-shadow: var(--shadow-lg);
  animation: popIn .35s cubic-bezier(.34,1.56,.64,1);
}
.exit-popup-close {
  position: absolute; top: 14px; right: 18px;
  color: var(--text-muted); font-size: 1.2rem; padding: 4px 8px;
  transition: var(--transition);
}
.exit-popup-close:hover { color: var(--text-dark); }
.exit-popup-badge {
  display: inline-block;
  background: var(--crimson);
  color: var(--white);
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: .7rem;
  letter-spacing: 2px;
  padding: 5px 12px;
  border-radius: 4px;
  margin-bottom: 16px;
}
.exit-popup-content h2 { color: var(--text-dark); font-size: 1.6rem; margin-bottom: 10px; }
.exit-popup-content p { color: var(--text-light); font-size: .88rem; margin-bottom: 20px; }
.exit-popup-form { display: flex; flex-direction: column; gap: 12px; }
.exit-popup-msg { font-size: .82rem; text-align: center; margin: 8px 0 0; color: var(--success); }
.exit-popup-note { font-size: .72rem; color: var(--text-muted); text-align: center; margin: 8px 0 0; }

/* ── Document Checklist ── */
.doc-checklist {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 24px 28px;
}
.doc-checklist h4 { font-size: .9rem; color: var(--crimson); margin-bottom: 14px; display: flex; align-items: center; gap: 8px; }
.doc-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 8px; }
.doc-item {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: .82rem;
  color: var(--text-med);
  line-height: 1.5;
}
.doc-item::before {
  content: '✓';
  color: var(--success);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

/* ── About ── */
.about-img-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.about-img-wrap img { border-radius: var(--radius-lg); }
.about-badge {
  position: absolute;
  bottom: 24px; right: -20px;
  background: var(--crimson);
  color: var(--white);
  border-radius: var(--radius-md);
  padding: 18px 22px;
  text-align: center;
  box-shadow: var(--shadow-md);
}
.about-badge-num {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 2rem;
  color: var(--gold);
  display: block;
  line-height: 1;
}
.about-badge-label { font-size: .72rem; letter-spacing: .5px; opacity: .9; }
.about-text .section-label { margin-bottom: 14px; }
.value-item {
  display: flex; gap: 14px; align-items: flex-start;
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
}
.value-item:last-child { border-bottom: none; }
.value-icon { width: 36px; height: 36px; flex-shrink: 0; background: rgba(140,26,18,.08); border-radius: 8px; display: flex; align-items: center; justify-content: center; color: var(--crimson); font-size: 1.1rem; }
.value-item h5 { font-size: .88rem; margin-bottom: 3px; }
.value-item p { font-size: .8rem; color: var(--text-light); margin: 0; }

/* ── Trust Badges ── */
.trust-bar {
  background: var(--off-white);
  padding: 20px 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.trust-items { display: flex; flex-wrap: wrap; gap: 20px; align-items: center; justify-content: center; }
.trust-item {
  display: flex; align-items: center; gap: 8px;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .75rem;
  color: var(--text-med);
}
.trust-item svg { color: var(--crimson); }

/* ── Single Blog Post ── */
.single-post-header { padding: 64px 0 48px; background: var(--bg-dark); }
.single-post-header .post-cat { color: var(--gold); font-size: .75rem; font-family: 'Montserrat', sans-serif; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 12px; display: block; }
.single-post-header h1 { color: var(--white); }
.post-meta { display: flex; flex-wrap: wrap; gap: 16px; margin-top: 16px; }
.post-meta span { font-size: .78rem; color: rgba(255,255,255,.6); display: flex; align-items: center; gap: 6px; }
.post-content { max-width: 780px; }
.post-content h2, .post-content h3 { margin: 36px 0 14px; color: var(--text-dark); }
.post-content p { margin-bottom: 20px; color: var(--text-med); line-height: 1.85; }
.post-content ul, .post-content ol { padding-left: 22px; margin-bottom: 20px; color: var(--text-med); line-height: 2; }
.post-content li { margin-bottom: 4px; }
.post-content blockquote {
  border-left: 4px solid var(--crimson);
  padding: 16px 24px;
  background: var(--off-white);
  border-radius: 0 8px 8px 0;
  font-style: italic;
  color: var(--text-med);
  margin: 24px 0;
}
.post-content a { color: var(--crimson); text-decoration: underline; text-underline-offset: 2px; }
.post-content img { border-radius: var(--radius-md); margin: 24px 0; }
.post-share { display: flex; gap: 10px; align-items: center; margin: 36px 0; padding: 20px 24px; background: var(--off-white); border-radius: var(--radius-md); }
.post-share span { font-family: 'Montserrat', sans-serif; font-weight: 600; font-size: .82rem; color: var(--text-med); }
.share-btn { padding: 8px 16px; border-radius: 6px; font-size: .75rem; font-family: 'Montserrat', sans-serif; font-weight: 600; display: inline-flex; align-items: center; gap: 6px; color: var(--white); }
.share-wa { background: #25D366; }
.share-li { background: #0A66C2; }
.share-tw { background: #1DA1F2; }

/* ── Forms (general contact) ── */
.form-feedback { padding: 14px 18px; border-radius: var(--radius-sm); font-size: .85rem; margin-top: 14px; font-family: 'Montserrat', sans-serif; font-weight: 600; }
.form-feedback.success { background: rgba(46,125,50,.1); color: var(--success); border: 1px solid rgba(46,125,50,.3); }
.form-feedback.error { background: rgba(140,26,18,.08); color: var(--crimson); border: 1px solid rgba(140,26,18,.2); }

/* ── Checklist ── */
.checklist { display: flex; flex-direction: column; gap: 10px; }
.checklist li {
  display: flex; gap: 12px; align-items: flex-start;
  font-size: .88rem; color: var(--text-med); line-height: 1.6;
}
.checklist li::before { content: '✓'; color: var(--crimson); font-weight: 700; flex-shrink: 0; margin-top: 2px; font-size: .95rem; }

/* ── 404 ── */
.error-404 { text-align: center; padding: 120px 0; }
.error-404 .error-num {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 9rem;
  color: var(--off-white);
  line-height: 1;
  margin-bottom: -20px;
  display: block;
}
.error-404 h2 { color: var(--crimson); margin-bottom: 14px; }
.error-404 p { color: var(--text-light); margin-bottom: 32px; }

/* ── Animations ── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes popIn {
  from { opacity: 0; transform: scale(.85); }
  to   { opacity: 1; transform: scale(1); }
}
.animate-fadeup { opacity: 0; transform: translateY(30px); transition: opacity .6s ease, transform .6s ease; }
.animate-fadeup.visible { opacity: 1; transform: translateY(0); }

/* ── Utility ── */
.text-center { text-align: center; }
.text-crimson { color: var(--crimson); }
.text-gold { color: var(--gold); }
.text-white { color: var(--white); }
.text-muted { color: var(--text-muted); }
.mb-0 { margin-bottom: 0; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-48 { margin-top: 48px; }
.fw-700 { font-weight: 700; }
.d-flex { display: flex; }
.align-center { align-items: center; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.divider { border: none; border-top: 1px solid var(--border); margin: 0; }

/* ── RESPONSIVE ── */
@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-list li a { padding: 8px 9px; font-size: .74rem; }
}

@media (max-width: 960px) {

  .hamburger { display: flex; }
  .primary-nav {
    position: fixed;
    top: 0; right: 0;
    width: 300px;
    height: 100vh;
    background: var(--white);
    z-index: 999;
    flex-direction: column;
    justify-content: flex-start;
    align-items: stretch;
    padding: 80px 0 32px;
    box-shadow: -8px 0 40px rgba(0,0,0,.15);
    transform: translateX(100%);
    transition: transform .3s ease;
    overflow-y: auto;
  }
  .primary-nav.open { transform: translateX(0); }
  .nav-list { flex-direction: column; gap: 0; align-items: stretch; }
  .nav-list li a { padding: 14px 28px; font-size: .88rem; border-radius: 0; border-bottom: 1px solid var(--border); }
  .sub-menu {
    position: static;
    opacity: 1; visibility: visible; transform: none;
    box-shadow: none; border: none; border-radius: 0;
    background: var(--off-white);
    display: none;
  }
  .nav-list li:hover .sub-menu { display: block; }

  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .calc-form { grid-template-columns: 1fr; }
  .result-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .calculator-section { padding: 28px; }
}

@media (max-width: 640px) {
  body { padding-top: calc(var(--header-h) + var(--notif-h)); }
  .notif-bar { font-size: .72rem; }
  .hero { min-height: 100vh; }
  .hero-stats { gap: 20px; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .doc-list { grid-template-columns: 1fr; }
  .contact-form-grid { grid-template-columns: 1fr; }
  .calc-email-row { flex-direction: column; }
  .cta-banner .btn-group { flex-direction: column; align-items: center; }
  .section { padding: 56px 0; }
  .page-hero { padding: 52px 0 40px; }
  .about-badge { right: 0; bottom: 16px; }
  .exit-popup-content { padding: 32px 24px; }
  h1 { font-size: 1.9rem; }
  h2 { font-size: 1.5rem; }
  .hero h1 { font-size: 2rem; }
  .bank-table { font-size: .72rem; }
  .bank-table th, .bank-table td { padding: 9px 10px; }
}

/* ── Legal Pages (Privacy Policy / Terms) ─────────────────────────── */
.legal-content { max-width: 780px; }
.legal-content h2 { font-size: 1.15rem; font-weight: 700; color: var(--gold); margin: 2rem 0 .6rem; padding-top: .5rem; border-top: 1px solid rgba(255,255,255,.07); }
.legal-content h2:first-of-type { border-top: none; margin-top: 0; }
.legal-content p { color: rgba(255,255,255,.8); line-height: 1.8; margin-bottom: 1rem; }
.legal-content ul { color: rgba(255,255,255,.8); padding-left: 1.4rem; margin-bottom: 1rem; line-height: 1.8; }
.legal-content ul li { margin-bottom: .35rem; }
.legal-content a { color: var(--gold); text-decoration: underline; }
.legal-content strong { color: var(--white); font-weight: 600; }