/* TezManat — Professional Fintech Design */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap');

:root {
  --primary: #0f4c81;
  --primary-dark: #0a3560;
  --primary-light: #1a6bb5;
  --accent: #00a86b;
  --accent-light: #00c97e;
  --accent-glow: rgba(0, 168, 107, 0.35);
  --primary-glow: rgba(15, 76, 129, 0.25);
  --white: #ffffff;
  --bg: #ffffff;
  --bg-soft: #f4f7fb;
  --bg-muted: #eef2f7;
  --text: #0f172a;
  --text-secondary: #64748b;
  --text-muted: #94a3b8;
  --border: #e2e8f0;
  --border-focus: #0f4c81;
  --success: #059669;
  --warning: #d97706;
  --danger: #dc2626;
  --radius: 14px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 3px rgba(15, 23, 42, 0.06);
  --shadow: 0 4px 20px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 20px 50px rgba(15, 23, 42, 0.12);
  --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  --font: 'Inter', system-ui, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }

/* ─── ANIMATIONS ─── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

@keyframes shimmer {
  0% { background-position: -200% center; }
  100% { background-position: 200% center; }
}

@keyframes pulse-ring {
  0% { box-shadow: 0 0 0 0 var(--accent-glow); }
  70% { box-shadow: 0 0 0 12px transparent; }
  100% { box-shadow: 0 0 0 0 transparent; }
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

@keyframes glow {
  0%, 100% { opacity: 0.6; }
  50% { opacity: 1; }
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

@keyframes slideInLeft {
  from { opacity: 0; transform: translateX(-30px); }
  to { opacity: 1; transform: translateX(0); }
}

@keyframes slideInRight {
  from { opacity: 0; transform: translateX(30px); }
  to { opacity: 1; transform: translateX(0); }
}

@keyframes scaleIn {
  from { opacity: 0; transform: scale(0.9); }
  to { opacity: 1; transform: scale(1); }
}

@keyframes rotateIn {
  from { opacity: 0; transform: rotate(-10deg) scale(0.9); }
  to { opacity: 1; transform: rotate(0) scale(1); }
}

@keyframes borderPulse {
  0%, 100% { border-color: var(--border); }
  50% { border-color: var(--accent); }
}

@keyframes gradientShift {
  0% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}

.animate-in {
  animation: fadeUp 0.6s ease both;
}

.animate-in-delay-1 { animation-delay: 0.1s; }
.animate-in-delay-2 { animation-delay: 0.2s; }
.animate-in-delay-3 { animation-delay: 0.3s; }

/* ─── TRUST BAR ─── */
.trust-bar {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  padding: 8px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.trust-bar__inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
}

.trust-bar__item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.9);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.3px;
}

.trust-bar__item svg {
  flex-shrink: 0;
  animation: glow 2s infinite;
}

.trust-bar__item--hide-mobile {
  display: none;
}

@media (min-width: 768px) {
  .trust-bar__item--hide-mobile { display: flex; }
}

/* ─── HEADER ─── */
.header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
  box-shadow: 0 2px 20px rgba(15, 23, 42, 0.06);
}

.header--scrolled {
  box-shadow: var(--shadow-sm);
}

.header__inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo { display: flex; align-items: center; gap: 12px; transition: var(--transition); }
.logo:hover { transform: scale(1.02); }

.logo__img {
  height: 44px;
  width: auto;
  filter: drop-shadow(0 2px 8px rgba(15, 76, 129, 0.15));
  transition: var(--transition);
}

.logo:hover .logo__img {
  filter: drop-shadow(0 4px 12px rgba(15, 76, 129, 0.25));
}

.logo__icon {
  width: 40px; height: 40px;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 15px; color: var(--white);
  box-shadow: 0 4px 14px var(--primary-glow);
  animation: scaleIn 0.5s ease;
}

.logo__name {
  font-weight: 700; font-size: 17px;
  color: var(--text); letter-spacing: -0.3px;
}

.logo__tagline {
  font-size: 11px; color: var(--text-muted); font-weight: 500;
}

.nav { display: flex; align-items: center; gap: 28px; }

.nav__link {
  color: var(--text-secondary);
  font-size: 14px; font-weight: 500;
  transition: var(--transition);
  position: relative;
}

.nav__link:hover, .nav__link--active { color: var(--primary); }

.nav__link--active::after {
  content: '';
  position: absolute; bottom: -6px; left: 0; right: 0;
  height: 2px; background: var(--accent); border-radius: 2px;
}

.header__actions { display: flex; align-items: center; gap: 10px; }

/* ─── BUTTONS ─── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 11px 24px; border-radius: 10px;
  font-family: var(--font); font-size: 14px; font-weight: 600;
  border: none; cursor: pointer; transition: var(--transition);
  white-space: nowrap;
}

.btn--primary {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--white);
  box-shadow: 0 4px 16px var(--primary-glow);
}

.btn--primary:hover {
  transform: translateY(-1px);
  box-shadow: 0 8px 24px var(--primary-glow);
}

.btn--accent {
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  color: var(--white);
  box-shadow: 0 4px 16px var(--accent-glow);
  position: relative; overflow: hidden;
}

.btn--accent::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.2), transparent);
  background-size: 200% 100%;
  animation: shimmer 3s infinite;
}

.btn--accent:hover {
  transform: translateY(-1px);
  box-shadow: 0 8px 28px var(--accent-glow);
}

.btn--outline {
  background: var(--white);
  color: var(--text);
  border: 1.5px solid var(--border);
}

.btn--outline:hover {
  border-color: var(--primary);
  color: var(--primary);
}

.btn--ghost {
  background: transparent;
  color: var(--text-secondary);
  border: 1.5px solid var(--border);
}

.btn--ghost:hover { background: var(--bg-soft); }

.btn--lg { padding: 14px 32px; font-size: 15px; }
.btn--xl { padding: 16px 36px; font-size: 16px; }

.btn--pulse { animation: pulse-ring 2.5s infinite; }

.btn:disabled, .btn--disabled {
  opacity: 0.45; cursor: not-allowed;
  transform: none !important;
  pointer-events: none;
}

.burger {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 4px;
}
.burger span {
  width: 22px; height: 2px;
  background: var(--text); border-radius: 2px;
}

/* Legacy aliases */
.btn--gold, .btn.btn--gold {
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  color: var(--white);
  box-shadow: 0 4px 16px var(--accent-glow);
}
.btn--teal, .btn.btn--teal {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--white);
}

/* ─── HERO ─── */
.hero {
  min-height: 100vh;
  background: var(--white);
  position: relative;
  display: flex; align-items: center;
  padding-top: 68px;
  overflow: hidden;
}

.hero__bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 70% 50% at 80% 20%, rgba(0, 168, 107, 0.06) 0%, transparent 60%),
    radial-gradient(ellipse 50% 40% at 10% 80%, rgba(15, 76, 129, 0.05) 0%, transparent 50%),
    linear-gradient(180deg, var(--white) 0%, var(--bg-soft) 100%);
}

.hero__inner {
  max-width: 1200px; margin: 0 auto;
  padding: 80px 24px;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 60px; align-items: center;
  position: relative; z-index: 1;
}

.hero__badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(0, 168, 107, 0.08);
  border: 1px solid rgba(0, 168, 107, 0.2);
  color: var(--accent);
  padding: 7px 14px; border-radius: 50px;
  font-size: 13px; font-weight: 600;
  margin-bottom: 20px;
}

.hero__badge-dot {
  width: 7px; height: 7px;
  background: var(--accent); border-radius: 50%;
  animation: glow 1.5s infinite;
}

.hero__title {
  font-size: clamp(36px, 5vw, 52px);
  font-weight: 800; color: var(--text);
  line-height: 1.12; letter-spacing: -1px;
  margin-bottom: 18px;
}

.hero__title span {
  background: linear-gradient(135deg, var(--primary), var(--accent));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero__desc {
  font-size: 17px; color: var(--text-secondary);
  margin-bottom: 32px; max-width: 460px; line-height: 1.7;
}

.hero__stats {
  display: flex; gap: 36px; margin-bottom: 36px;
}

.stat__num {
  font-size: 26px; font-weight: 800;
  color: var(--primary); line-height: 1;
}

.stat__label {
  font-size: 12px; color: var(--text-muted); margin-top: 4px;
}

.hero__cta { display: flex; gap: 14px; flex-wrap: wrap; }

.hero__highlights {
  display: flex; flex-wrap: wrap; gap: 10px;
  margin-bottom: 30px;
}

.hero__highlights span {
  background: rgba(255,255,255,0.8);
  border: 1px solid var(--border);
  border-radius: 999px;
  color: var(--text-secondary);
  padding: 8px 12px;
  font-size: 12px;
  font-weight: 600;
  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.04);
}

.hero__visual { position: relative; }

.hero__card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-lg);
}

.hero__card-img {
  width: 100%; height: 240px;
  object-fit: cover; border-radius: 12px;
  margin-bottom: 20px;
}

.hero__float {
  position: absolute;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 14px 18px;
  box-shadow: var(--shadow);
  display: flex; align-items: center; gap: 12px;
}

.hero__float--1 { top: -16px; right: -16px; animation: float 5s ease-in-out infinite; }
.hero__float--2 { bottom: 32px; left: -24px; animation: float 5s ease-in-out infinite 1.2s; }

.float__icon {
  width: 38px; height: 38px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 16px; font-weight: 700;
}

.float__icon--green { background: rgba(0, 168, 107, 0.1); color: var(--accent); }
.float__icon--blue { background: rgba(15, 76, 129, 0.1); color: var(--primary); }

.float__text strong { display: block; font-size: 13px; color: var(--text); }
.float__text span { font-size: 11px; color: var(--text-muted); }

/* ─── MINI CALC ─── */
.mini-calc {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 24px;
}

.mini-calc__title {
  color: var(--text); font-size: 15px; font-weight: 700;
  margin-bottom: 18px;
}

.mini-calc__row { margin-bottom: 18px; }

.mini-calc__label {
  display: flex; justify-content: space-between;
  color: var(--text-secondary); font-size: 13px; margin-bottom: 8px;
}

.mini-calc__value { color: var(--primary); font-weight: 700; }

input[type="range"] {
  -webkit-appearance: none;
  width: 100%; height: 5px;
  border-radius: 3px;
  background: var(--border);
  outline: none; cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  box-shadow: 0 2px 8px var(--primary-glow);
  cursor: pointer;
  transition: transform 0.15s;
}

input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }

.mini-calc__result {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px 16px;
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 14px;
}

.mini-calc__result-label { color: var(--text-secondary); font-size: 13px; }

.mini-calc__result-value {
  color: var(--accent); font-size: 22px; font-weight: 800;
}

/* ─── HIGHLIGHT GRID ─── */
.highlight-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 0.8fr;
  gap: 18px;
}

.highlight-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 26px;
  box-shadow: var(--shadow-sm);
}

.highlight-card--large {
  background: linear-gradient(135deg, rgba(15, 76, 129, 0.98), rgba(15, 76, 129, 0.9));
  color: var(--white);
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: 250px;
}

.highlight-card__badge {
  display: inline-flex;
  width: fit-content;
  padding: 6px 10px;
  border-radius: 999px;
  background: rgba(255,255,255,0.14);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.highlight-card h3,
.highlight-card h4 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 10px;
  line-height: 1.3;
}

.highlight-card p {
  color: inherit;
  font-size: 14px;
  line-height: 1.7;
  opacity: 0.88;
}

.highlight-card__icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(15, 76, 129, 0.08);
  color: var(--primary);
  font-size: 13px;
  font-weight: 800;
  margin-bottom: 14px;
}

.highlight-card .btn {
  margin-top: 16px;
  width: fit-content;
}

/* ─── PREMIUM OVERVIEW ─── */
.premium-brief {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 24px;
  align-items: center;
}

.premium-brief__content {
  padding-right: 12px;
}

.premium-brief__stats {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
}

.metric-pill {
  background: linear-gradient(135deg, rgba(15, 76, 129, 0.06), rgba(0, 168, 107, 0.05));
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 14px 16px;
  min-width: 140px;
  box-shadow: 0 6px 24px rgba(15, 23, 42, 0.03);
}

.metric-pill strong {
  display: block;
  font-size: 18px;
  color: var(--primary);
  margin-bottom: 4px;
}

.metric-pill span {
  color: var(--text-secondary);
  font-size: 12px;
}

.premium-brief__card {
  background: linear-gradient(145deg, var(--primary-dark), var(--primary));
  border-radius: 24px;
  padding: 28px;
  color: var(--white);
  box-shadow: var(--shadow-lg);
}

.premium-brief__card-head {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  margin-bottom: 12px;
  color: rgba(255,255,255,0.75);
}

.premium-brief__list {
  list-style: none;
  display: grid;
  gap: 10px;
  margin: 16px 0 20px;
}

.premium-brief__list li {
  padding-left: 20px;
  position: relative;
  font-size: 14px;
  line-height: 1.6;
  color: rgba(255,255,255,0.9);
}

.premium-brief__list li::before {
  content: '•';
  position: absolute;
  left: 0;
  color: var(--accent-light);
  font-size: 18px;
  line-height: 1;
}

/* ─── SECTIONS ─── */
.section { padding: 90px 24px; }
.section--soft { background: var(--bg-soft); }
.section--white { background: var(--white); }

.container { max-width: 1200px; margin: 0 auto; }

.section__header { text-align: center; margin-bottom: 56px; }

.section__eyebrow {
  color: var(--accent); font-size: 12px; font-weight: 700;
  letter-spacing: 2px; text-transform: uppercase; margin-bottom: 10px;
}

.section__title {
  font-size: clamp(26px, 4vw, 38px);
  font-weight: 800; color: var(--text);
  letter-spacing: -0.5px; margin-bottom: 14px;
}

.section__desc {
  font-size: 16px; color: var(--text-secondary);
  max-width: 540px; margin: 0 auto;
}

/* ─── FEATURES ─── */
.features {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
}

.feature-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px;
  border: 1px solid var(--border);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.feature-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  opacity: 0;
  transition: var(--transition);
}

.feature-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(15, 76, 129, 0.2);
}

.feature-card:hover::before {
  opacity: 1;
}

.feature-card:hover .feature-card__icon {
  transform: scale(1.1) rotate(5deg);
}

.feature-card__icon {
  width: 48px; height: 48px; border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
  font-size: 13px; font-weight: 800; letter-spacing: -0.5px;
  transition: var(--transition);
}

.feature-card__icon--blue { background: rgba(15, 76, 129, 0.08); color: var(--primary); }
.feature-card__icon--green { background: rgba(0, 168, 107, 0.08); color: var(--accent); }
.feature-card__icon--gray { background: var(--bg-muted); color: var(--text-secondary); }

.feature-card__title {
  font-size: 16px; font-weight: 700; color: var(--text); margin-bottom: 8px;
}

.feature-card__text { font-size: 14px; color: var(--text-secondary); line-height: 1.65; }

/* ─── GALLERY ─── */
.gallery {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  grid-template-rows: 220px 220px;
  gap: 14px;
}

.gallery__item {
  border-radius: var(--radius);
  overflow: hidden; position: relative;
}

.gallery__item img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform 0.5s ease;
}

.gallery__item:hover img { transform: scale(1.04); }

.gallery__item--large { grid-row: span 2; }

.gallery__overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(15, 23, 42, 0.65) 0%, transparent 55%);
  display: flex; align-items: flex-end; padding: 18px;
}

.gallery__caption { color: var(--white); font-size: 13px; font-weight: 600; }

/* ─── STEPS ─── */
.steps {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 0; position: relative;
}

.steps::before {
  content: '';
  position: absolute; top: 26px;
  left: 12.5%; right: 12.5%;
  height: 2px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  opacity: 0.2;
}

.step { text-align: center; padding: 0 14px; }

.step__num {
  width: 52px; height: 52px; border-radius: 50%;
  background: var(--white);
  border: 2px solid var(--primary);
  color: var(--primary);
  font-size: 18px; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px; position: relative; z-index: 1;
  transition: var(--transition);
}

.step:hover .step__num {
  background: var(--primary); color: var(--white);
  box-shadow: 0 4px 16px var(--primary-glow);
}

.step__title { font-size: 14px; font-weight: 700; color: var(--text); margin-bottom: 6px; }
.step__text { font-size: 12px; color: var(--text-muted); }

/* ─── CTA BANNER ─── */
.cta-banner {
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border-radius: var(--radius-lg);
  padding: 52px;
  display: flex; align-items: center; justify-content: space-between;
  gap: 32px; position: relative; overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute; top: -40%; right: -5%;
  width: 360px; height: 360px;
  background: radial-gradient(circle, rgba(0, 168, 107, 0.2) 0%, transparent 70%);
  border-radius: 50%;
}

.cta-banner__title {
  font-size: 28px; font-weight: 800;
  color: var(--white); margin-bottom: 8px;
  letter-spacing: -0.5px;
}

.cta-banner__desc { color: rgba(255,255,255,0.7); font-size: 15px; }

/* ─── FOOTER ─── */
.footer {
  background: var(--bg-soft);
  border-top: 1px solid var(--border);
  padding: 56px 24px 28px;
}

.footer__inner {
  max-width: 1200px; margin: 0 auto;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 36px; margin-bottom: 36px;
}

.footer__brand p {
  color: var(--text-secondary); font-size: 13px;
  margin-top: 14px; line-height: 1.7;
}

.footer__col h4 {
  color: var(--text); font-size: 12px; font-weight: 700;
  letter-spacing: 1px; text-transform: uppercase; margin-bottom: 14px;
}

.footer__col a {
  display: block; color: var(--text-secondary);
  font-size: 13px; margin-bottom: 8px; transition: var(--transition);
}

.footer__col a:hover { color: var(--primary); }

.footer__bottom {
  max-width: 1200px; margin: 0 auto;
  padding-top: 24px; border-top: 1px solid var(--border);
  display: flex; justify-content: space-between; align-items: center;
  color: var(--text-muted); font-size: 12px;
}

/* ─── CALCULATOR PAGE ─── */
.page-hero {
  background: var(--bg-soft);
  padding: 150px 24px 50px;
  text-align: center;
  border-bottom: 1px solid var(--border);
}

.page-hero__title {
  font-size: clamp(28px, 4vw, 40px);
  font-weight: 800; color: var(--text);
  letter-spacing: -0.5px; margin-bottom: 10px;
}

.page-hero__desc { color: var(--text-secondary); font-size: 15px; }

.calc-page {
  max-width: 1060px; margin: 40px auto 70px;
  padding: 0 24px;
  display: grid; grid-template-columns: 1fr 340px; gap: 20px;
}

.calc-main {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow);
}

.calc-sidebar { display: flex; flex-direction: column; gap: 16px; }

.calc-group { margin-bottom: 28px; }

.calc-group__label {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 12px;
}

.calc-group__name { font-size: 14px; font-weight: 600; color: var(--text-secondary); }
.calc-group__val { font-size: 20px; font-weight: 800; color: var(--text); }
.calc-group__val span { font-size: 13px; font-weight: 500; color: var(--text-muted); }

.term-buttons { display: flex; gap: 8px; flex-wrap: wrap; }

.term-btn {
  padding: 9px 18px; border-radius: 8px;
  border: 1.5px solid var(--border);
  background: var(--white);
  font-family: var(--font); font-size: 13px; font-weight: 600;
  color: var(--text-secondary); cursor: pointer; transition: var(--transition);
}

.term-btn:hover, .term-btn--active {
  border-color: var(--primary);
  background: rgba(15, 76, 129, 0.06);
  color: var(--primary);
}

.result-card {
  background: linear-gradient(145deg, var(--primary), var(--primary-dark));
  border-radius: var(--radius);
  padding: 28px; color: var(--white);
}

.result-card__title {
  font-size: 12px; color: rgba(255,255,255,0.55);
  margin-bottom: 6px; text-transform: uppercase; letter-spacing: 1px;
}

.result-card__amount {
  font-size: 36px; font-weight: 800;
  color: var(--accent-light); margin-bottom: 20px;
}

.result-card__row {
  display: flex; justify-content: space-between;
  padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.08);
  font-size: 13px;
}

.result-card__row:last-child { border-bottom: none; }
.result-card__row span:first-child { color: rgba(255,255,255,0.5); }

.info-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
}

.info-card__title { font-size: 14px; font-weight: 700; color: var(--text); margin-bottom: 10px; }

.info-card__list { list-style: none; }

.info-card__list li {
  font-size: 13px; color: var(--text-secondary);
  padding: 7px 0; border-bottom: 1px solid var(--bg-muted);
  display: flex; align-items: center; gap: 8px;
}

.info-card__list li::before { content: '✓'; color: var(--accent); font-weight: 700; font-size: 12px; }

/* ═══ APPLICATION WIZARD ═══ */
.apply-page {
  min-height: 100vh;
  background: var(--bg-soft);
  padding-top: 68px;
}

.apply-container {
  max-width: 680px; margin: 0 auto;
  padding: 36px 24px 70px;
}

.apply-header { text-align: center; margin-bottom: 32px; }

.apply-header__title {
  font-size: 28px; font-weight: 800;
  color: var(--text); letter-spacing: -0.5px; margin-bottom: 6px;
}

.apply-header__desc { color: var(--text-muted); font-size: 14px; }

/* Progress */
.progress-bar {
  display: flex; align-items: flex-start;
  margin-bottom: 28px; gap: 0;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 16px;
}

.progress-step {
  flex: 1; display: flex; flex-direction: column; align-items: center;
  position: relative;
}

.progress-step::before {
  content: '';
  position: absolute; top: 14px; left: 50%; right: -50%;
  height: 2px; background: var(--border); z-index: 0;
}

.progress-step:last-child::before { display: none; }
.progress-step--done::before { background: var(--accent); }

.progress-step__circle {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--bg-muted);
  border: 2px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 11px; font-weight: 700; color: var(--text-muted);
  position: relative; z-index: 1; transition: var(--transition);
}

.progress-step--active .progress-step__circle {
  background: var(--primary); border-color: var(--primary);
  color: var(--white);
  box-shadow: 0 0 0 4px var(--primary-glow);
}

.progress-step--done .progress-step__circle {
  background: var(--accent); border-color: var(--accent); color: var(--white);
}

.progress-step__label {
  font-size: 10px; color: var(--text-muted);
  margin-top: 6px; text-align: center; font-weight: 500;
}

.progress-step--active .progress-step__label { color: var(--primary); font-weight: 600; }

/* Wizard card */
.wizard-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow);
  animation: fadeUp 0.35s ease;
}

.wizard-card__title {
  font-size: 20px; font-weight: 800;
  color: var(--text); letter-spacing: -0.3px; margin-bottom: 4px;
}

.wizard-card__subtitle {
  font-size: 14px; color: var(--text-muted); margin-bottom: 28px;
}

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group--full { grid-column: 1 / -1; }

.form-label { font-size: 13px; font-weight: 600; color: var(--text-secondary); }
.form-label span { color: var(--danger); }

.form-input, .form-select {
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-family: var(--font); font-size: 14px;
  color: var(--text); background: var(--white);
  transition: var(--transition); outline: none;
}

.form-input:focus, .form-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px var(--primary-glow);
}

.form-input--error { border-color: var(--danger) !important; }

.form-error {
  font-size: 12px; color: var(--danger);
  margin-top: 2px; display: none;
}

.form-error--visible { display: block; }

.form-radio-group { display: flex; gap: 10px; }

.form-radio { flex: 1; position: relative; }
.form-radio input { position: absolute; opacity: 0; }

.form-radio label {
  display: block; padding: 12px;
  border: 1.5px solid var(--border); border-radius: 10px;
  text-align: center; font-size: 13px; font-weight: 600;
  color: var(--text-secondary); cursor: pointer; transition: var(--transition);
}

.form-radio input:checked + label {
  border-color: var(--primary);
  background: rgba(15, 76, 129, 0.05);
  color: var(--primary);
}

.wizard-actions {
  display: flex; justify-content: space-between;
  margin-top: 28px; gap: 12px;
}

.btn--back {
  background: var(--bg-soft); color: var(--text-secondary);
  border: 1.5px solid var(--border);
  padding: 12px 24px; border-radius: 10px;
  font-family: var(--font); font-size: 14px; font-weight: 600;
  cursor: pointer; transition: var(--transition);
}

.btn--back:hover { background: var(--bg-muted); }

/* Verification */
.verify-screen { text-align: center; padding: 12px 0; }

.verify-spinner {
  width: 56px; height: 56px;
  border: 3px solid var(--border);
  border-top-color: var(--primary);
  border-radius: 50%;
  margin: 0 auto 20px;
  animation: spin 0.8s linear infinite;
}

.verify-title { font-size: 18px; font-weight: 700; color: var(--text); margin-bottom: 6px; }
.verify-subtitle { font-size: 14px; color: var(--text-muted); margin-bottom: 28px; }

.verify-tasks { display: flex; flex-direction: column; gap: 12px; text-align: left; }

.verify-task {
  background: var(--bg-soft);
  border-radius: 10px; padding: 14px 16px;
  border: 1px solid var(--border); transition: var(--transition);
}

.verify-task--active {
  border-color: var(--primary);
  background: rgba(15, 76, 129, 0.03);
}

.verify-task--done {
  border-color: var(--accent);
  background: rgba(0, 168, 107, 0.04);
}

.verify-task__header {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 8px;
}

.verify-task__name {
  font-size: 13px; font-weight: 600; color: var(--text);
  display: flex; align-items: center; gap: 10px;
}

.verify-task__time { font-size: 12px; color: var(--text-muted); font-weight: 600; }

.verify-task__bar {
  height: 4px; background: var(--border);
  border-radius: 2px; overflow: hidden;
}

.verify-task__fill {
  height: 100%;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  border-radius: 2px; width: 0%;
  transition: width 0.1s linear;
}

.verify-task--done .verify-task__fill {
  background: var(--accent); width: 100% !important;
}

.task-icon {
  width: 22px; height: 22px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 10px; flex-shrink: 0; font-weight: 700;
}

.task-icon--pending { background: var(--bg-muted); color: var(--text-muted); }
.task-icon--active {
  background: rgba(15, 76, 129, 0.1); color: var(--primary);
  animation: spin 1s linear infinite;
}
.task-icon--done { background: rgba(0, 168, 107, 0.12); color: var(--accent); }

/* Identity Card */
.identity-card {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  margin-bottom: 20px;
}

.identity-card__header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 16px;
}

.identity-card__badge {
  background: rgba(15, 76, 129, 0.1);
  color: var(--primary);
  padding: 4px 12px;
  border-radius: 50px;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.identity-card__secure {
  background: rgba(0, 168, 107, 0.1);
  color: var(--accent);
  padding: 4px 12px;
  border-radius: 50px;
  font-size: 11px;
  font-weight: 600;
}

.identity-card__row {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  font-size: 14px;
}

.identity-card__row:last-child {
  border-bottom: none;
}

.identity-card__row span {
  color: var(--text-secondary);
}

.identity-card__row strong {
  color: var(--text);
  font-weight: 600;
}

/* Terms */
.terms-box {
  background: var(--bg-soft);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 18px; max-height: 180px;
  overflow-y: auto; font-size: 13px;
  color: var(--text-secondary); line-height: 1.75;
  margin-bottom: 18px;
}

.terms-box h4 { color: var(--text); margin-bottom: 8px; font-size: 14px; }

.checkbox-group {
  display: flex; align-items: flex-start; gap: 10px;
  margin-bottom: 14px;
}

.checkbox-group input[type="checkbox"] {
  width: 17px; height: 17px;
  accent-color: var(--primary);
  margin-top: 2px; flex-shrink: 0;
}

.checkbox-group label { font-size: 13px; color: var(--text-secondary); line-height: 1.55; }

/* Amount */
.amount-display { text-align: center; margin-bottom: 28px; }

.amount-display__value {
  font-size: 48px; font-weight: 800;
  color: var(--text); line-height: 1; letter-spacing: -2px;
}

.amount-display__currency { font-size: 18px; color: var(--text-muted); font-weight: 500; }
.amount-display__label { font-size: 13px; color: var(--text-muted); margin-top: 6px; }

.amount-stats {
  display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 10px; margin-bottom: 20px;
}

.amount-stat {
  background: var(--bg-soft); border: 1px solid var(--border);
  border-radius: 10px; padding: 14px; text-align: center;
}

.amount-stat__label { font-size: 11px; color: var(--text-muted); margin-bottom: 4px; }
.amount-stat__value { font-size: 18px; font-weight: 800; color: var(--text); }

/* Final */
.final-screen { text-align: center; }

.final-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(0, 168, 107, 0.08);
  border: 1px solid rgba(0, 168, 107, 0.2);
  color: var(--accent);
  padding: 8px 16px; border-radius: 50px;
  font-size: 13px; font-weight: 600;
  margin-bottom: 20px;
}

.final-title {
  font-size: 24px; font-weight: 800;
  color: var(--text); margin-bottom: 10px; letter-spacing: -0.3px;
}

.final-desc {
  font-size: 14px; color: var(--text-secondary);
  margin-bottom: 28px; line-height: 1.7;
}

.operator-card {
  display: flex; align-items: center; gap: 14px;
  background: var(--bg-soft); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 18px;
  margin-bottom: 20px; text-align: left;
}

.operator-card__avatar-wrap {
  position: relative; flex-shrink: 0;
}

.operator-card__avatar {
  width: 56px; height: 56px; border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--white);
  box-shadow: 0 2px 8px rgba(0,0,0,0.1);
}

.operator-card__avatar-ring {
  position: absolute; inset: -3px;
  border-radius: 50%;
  border: 2px solid var(--accent);
  animation: pulse-ring 2s infinite;
}

.operator-card__info strong { display: block; font-size: 15px; color: var(--text); }
.operator-card__info span { font-size: 12px; color: var(--text-muted); }

.operator-card__status {
  margin-left: auto;
  display: flex; align-items: center; gap: 6px;
  font-size: 12px; color: var(--accent); font-weight: 600;
  background: rgba(0, 168, 107, 0.08);
  padding: 6px 12px; border-radius: 50px;
}

.status-dot {
  width: 7px; height: 7px;
  background: var(--accent); border-radius: 50%;
  animation: glow 1.5s infinite;
}

.payment-info {
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border-radius: var(--radius); padding: 22px;
  margin-bottom: 18px; color: var(--white); text-align: left;
}

.payment-info__label {
  font-size: 11px; color: rgba(255,255,255,0.55);
  text-transform: uppercase; letter-spacing: 1px;
}

.payment-info__amount {
  font-size: 32px; font-weight: 800;
  color: var(--accent-light); margin: 6px 0;
}

.payment-info__desc { font-size: 13px; color: rgba(255,255,255,0.65); }

.message-box {
  background: var(--bg-soft);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 18px; text-align: left;
  margin-bottom: 18px; position: relative;
}

.message-box__label {
  font-size: 11px; font-weight: 700;
  color: var(--text-muted); text-transform: uppercase;
  letter-spacing: 0.8px; margin-bottom: 8px;
}

.message-box__text {
  font-size: 14px; color: var(--text);
  line-height: 1.65; padding-right: 80px;
}

.message-box__copy {
  position: absolute; top: 14px; right: 14px;
  background: var(--primary); color: var(--white);
  border: none; padding: 6px 14px; border-radius: 8px;
  font-size: 12px; font-weight: 600; cursor: pointer;
  font-family: var(--font); transition: var(--transition);
}

.message-box__copy:hover { background: var(--primary-dark); }

.warning-box {
  background: rgba(217, 119, 6, 0.06);
  border: 1px solid rgba(217, 119, 6, 0.2);
  border-radius: 10px; padding: 14px 16px;
  display: flex; gap: 10px; align-items: flex-start;
  margin-bottom: 20px; text-align: left;
}

.warning-box__icon {
  width: 20px; height: 20px; flex-shrink: 0;
  color: var(--warning); font-weight: 800; font-size: 14px;
}

.warning-box__text { font-size: 13px; color: #92400e; line-height: 1.6; }

/* Toast */
.toast {
  position: fixed; bottom: 24px; left: 50%;
  transform: translateX(-50%) translateY(80px);
  background: var(--text); color: var(--white);
  padding: 12px 24px; border-radius: 10px;
  font-size: 14px; font-weight: 500;
  box-shadow: var(--shadow-lg);
  z-index: 9999; opacity: 0;
  transition: transform 0.35s ease, opacity 0.35s ease;
  pointer-events: none;
}

.toast--visible {
  transform: translateX(-50%) translateY(0);
  opacity: 1;
}

.toast--error { background: var(--danger); }

.hidden { display: none !important; }

/* Legacy dark section overrides */
.section--dark { background: var(--bg-soft); }
.section--dark .section__title { color: var(--text); }
.section--dark .section__desc { color: var(--text-secondary); }
.section--light { background: var(--white); }

/* ─── TRUST BADGES ─── */
.trust-section {
  background: linear-gradient(180deg, var(--white) 0%, var(--bg-soft) 100%);
  position: relative;
}

.trust-section::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--border), transparent);
}

.trust-badges {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 32px;
}

.trust-badge {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px 20px;
  text-align: center;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.trust-badge::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  opacity: 0;
  transition: var(--transition);
}

.trust-badge:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--accent);
}

.trust-badge:hover::before {
  opacity: 1;
}

.trust-badge__icon {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, rgba(15, 76, 129, 0.08), rgba(0, 168, 107, 0.08));
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px;
  color: var(--primary);
  transition: var(--transition);
}

.trust-badge:hover .trust-badge__icon {
  transform: scale(1.1) rotate(5deg);
  background: linear-gradient(135deg, var(--primary), var(--accent));
  color: var(--white);
}

.trust-badge strong {
  display: block;
  font-size: 14px; font-weight: 700;
  color: var(--text); margin-bottom: 4px;
}

.trust-badge span {
  font-size: 12px; color: var(--text-muted);
}

.license-card {
  background: linear-gradient(135deg, rgba(15, 76, 129, 0.04), rgba(0, 168, 107, 0.03));
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  gap: 20px;
  align-items: flex-start;
  position: relative;
  overflow: hidden;
  animation: slideInLeft 0.6s ease;
}

.license-card::before {
  content: '';
  position: absolute;
  top: -50%; right: -50%;
  width: 100%; height: 200%;
  background: radial-gradient(circle, rgba(0, 168, 107, 0.1) 0%, transparent 70%);
  animation: gradientShift 8s infinite;
}

.license-card__seal {
  flex-shrink: 0;
  width: 64px; height: 64px;
  background: var(--white);
  border: 2px solid var(--primary);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 16px var(--primary-glow);
  animation: rotateIn 0.8s ease;
  position: relative;
  z-index: 1;
}

.license-card__seal:hover {
  animation: spin 2s linear infinite;
}

.license-card__body {
  position: relative;
  z-index: 1;
}

.license-card__body h3 {
  font-size: 18px; font-weight: 800;
  color: var(--text); margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.license-card__body h3::before {
  content: '✓';
  background: var(--accent);
  color: var(--white);
  width: 20px; height: 20px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 12px;
}

.license-card__body p {
  font-size: 14px; color: var(--text-secondary);
  line-height: 1.7;
}

/* Responsive */
@media (max-width: 1024px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__visual { display: none; }
  .features { grid-template-columns: 1fr 1fr; }
  .highlight-grid { grid-template-columns: 1fr 1fr; }
  .premium-brief { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; gap: 28px; }
  .steps::before { display: none; }
  .calc-page { grid-template-columns: 1fr; }
  .footer__inner { grid-template-columns: 1fr 1fr; }
  .gallery { grid-template-columns: 1fr 1fr; }
  .gallery__item--large { grid-row: span 1; }
}

@media (max-width: 768px) {
  .nav { display: none; }
  .nav--open {
    display: flex; flex-direction: column;
    position: absolute; top: 68px; left: 0; right: 0;
    background: var(--white); padding: 20px 24px;
    border-bottom: 1px solid var(--border);
    gap: 14px; box-shadow: var(--shadow);
  }
  .burger { display: flex; }
  .features, .form-grid, .highlight-grid { grid-template-columns: 1fr; }
  .premium-brief__stats { flex-direction: column; }
  .steps { grid-template-columns: 1fr; }
  .cta-banner { flex-direction: column; text-align: center; padding: 36px 24px; }
  .footer__inner { grid-template-columns: 1fr; }
  .gallery { grid-template-columns: 1fr; }
  .progress-step__label { display: none; }
  .amount-stats { grid-template-columns: 1fr; }
}