/* ============================================================
   White Cloud Capital Advisors — Main Stylesheet
   Palette: Deep Navy #0F2744 | Navy #1E3A5F | Orange #E07B3C
   ============================================================ */

:root {
  --navy-deep:    #0D2137;
  --navy:         #1A3557;
  --navy-mid:     #1E4976;
  --navy-light:   #2B5FA8;
  --orange:       #E07B3C;
  --orange-dark:  #C86729;
  --orange-light: #F59D68;
  --white:        #FFFFFF;
  --off-white:    #F7FAFD;
  --bg-light:     #EFF4FB;
  --border:       #D6E3F0;
  --border-dark:  #B8CEEA;
  --text:         #0D1E2E;
  --text-mid:     #2D4A65;
  --muted:        #5A7A9A;
  --shadow-sm:    0 2px 8px rgba(13,33,55,0.08);
  --shadow-md:    0 8px 32px rgba(13,33,55,0.12);
  --shadow-lg:    0 20px 60px rgba(13,33,55,0.16);
  --radius-sm:    6px;
  --radius-md:    12px;
  --radius-lg:    20px;
  --radius-xl:    28px;
  --transition:   0.22s ease;
}

/* ── Reset ─────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: 'Inter', 'Plus Jakarta Sans', system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; font: inherit; background: none; border: none; }
input, select, textarea { font: inherit; }

/* ── Skip link ──────────────────────────────────────────── */
.skip-link {
  position: absolute;
  top: -60px;
  left: 16px;
  background: var(--navy);
  color: #fff;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  font-size: 14px;
  z-index: 9999;
  transition: top 0.2s;
}
.skip-link:focus { top: 12px; }

/* ── SVG sprite ─────────────────────────────────────────── */
.icon-sprite { display: none; }
.icon { display: inline-block; width: 22px; height: 22px; vertical-align: middle; flex-shrink: 0; }

/* ── Layout ─────────────────────────────────────────────── */
.container { width: min(1180px, 92%); margin-inline: auto; }

.section { padding: 88px 0; }
.section.soft-bg { background: var(--off-white); }

.section-head { text-align: center; margin-bottom: 52px; }
.section-head .eyebrow { display: inline-block; font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--orange); background: rgba(224,123,60,.1); border-radius: 40px; padding: 5px 14px; margin-bottom: 14px; }
.section-head h2 { font-size: clamp(1.75rem, 3vw, 2.5rem); font-weight: 800; color: var(--navy-deep); line-height: 1.2; margin-bottom: 16px; }
.section-head > p { font-size: 17px; color: var(--muted); max-width: 600px; margin-inline: auto; }

/* ── Grids ──────────────────────────────────────────────── */
.grid { display: grid; gap: 24px; }
.cards-2 { grid-template-columns: repeat(2, 1fr); }
.cards-3 { grid-template-columns: repeat(3, 1fr); }
.cards-4 { grid-template-columns: repeat(4, 1fr); }
.steps   { grid-template-columns: repeat(4, 1fr); }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.split   { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }

/* ── Buttons ─────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 15px;
  font-weight: 600;
  padding: 12px 26px;
  border-radius: var(--radius-md);
  transition: all var(--transition);
  white-space: nowrap;
  border: 2px solid transparent;
  line-height: 1;
  letter-spacing: .01em;
}
.btn-primary {
  background: linear-gradient(135deg, var(--orange) 0%, var(--orange-dark) 100%);
  color: #fff;
  border-color: transparent;
  box-shadow: 0 4px 16px rgba(224,123,60,.35);
}
.btn-primary:hover {
  background: linear-gradient(135deg, var(--orange-dark) 0%, #a8521a 100%);
  box-shadow: 0 6px 24px rgba(224,123,60,.45);
  transform: translateY(-1px);
}
.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--border-dark);
}
.btn-outline:hover {
  background: var(--bg-light);
  border-color: var(--navy-light);
  color: var(--navy-deep);
}
.btn-white {
  background: #fff;
  color: var(--navy-deep);
  border-color: transparent;
  box-shadow: var(--shadow-sm);
}
.btn-white:hover { background: var(--off-white); transform: translateY(-1px); }
.btn-block { width: 100%; justify-content: center; }

/* ── Topbar ──────────────────────────────────────────────── */
.topbar {
  background: var(--navy-deep);
  color: rgba(255,255,255,.75);
  font-size: 13px;
  padding: 9px 0;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.topbar-inner { display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.topbar-left { display: flex; align-items: center; gap: 10px; }
.topbar-left .divider { opacity: .35; }
.topbar-right { display: flex; gap: 20px; }
.topbar-right a { color: rgba(255,255,255,.8); transition: color var(--transition); }
.topbar-right a:hover { color: var(--orange-light); }

/* ── Header ──────────────────────────────────────────────── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 900;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 2px 16px rgba(13,33,55,.06);
}
.header-inner { display: flex; align-items: center; gap: 24px; height: 70px; }

.brand { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.brand-logo { width: 40px; height: 40px; object-fit: contain; border-radius: 8px; }
.brand-logo-img { height: 44px; width: auto; max-width: 200px; object-fit: contain; display: block; }
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-text strong { font-size: 15px; font-weight: 800; color: var(--navy-deep); }
.brand-text span { font-size: 11px; color: var(--muted); letter-spacing: .04em; }

.brand-wordmark {
  display: flex;
  align-items: center;
  gap: 0;
  font-size: 18px;
  font-weight: 900;
  letter-spacing: -.02em;
  color: var(--navy-deep);
  flex-shrink: 0;
}
.brand-wordmark .wc { color: var(--navy-deep); }
.brand-wordmark .dot { color: var(--orange); margin: 0 2px; }
.brand-wordmark .cap { color: var(--navy-mid); }
.brand-wordmark small { font-size: 10px; font-weight: 500; color: var(--muted); display: block; letter-spacing: .05em; margin-top: 2px; }

.site-nav { margin-left: auto; }
.nav-list { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--text-mid);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}
.nav-link:hover, .nav-link--accent { color: var(--navy-deep); background: var(--bg-light); }
.nav-link--accent::after { content: '▾'; font-size: 10px; margin-left: 2px; opacity: .6; }

.subnav {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  min-width: 210px;
  padding: 8px;
  display: none;
  z-index: 200;
}
.subnav a {
  display: block;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-mid);
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}
.subnav a:hover { background: var(--bg-light); color: var(--navy-deep); padding-left: 18px; }
.has-subnav.open .subnav { display: block; }

.header-cta { display: flex; gap: 10px; margin-left: 16px; flex-shrink: 0; }

.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  margin-left: auto;
}
.menu-toggle span { display: block; width: 22px; height: 2px; background: var(--navy-deep); border-radius: 2px; transition: all .3s; }
.nav-close { display: none; }
.menu-overlay { display: none; }

/* ── Hero ───────────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 55%, var(--navy-mid) 100%);
  position: relative;
  overflow: hidden;
  padding: 80px 0 72px;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 70% at 80% 50%, rgba(255,255,255,.04) 0%, transparent 70%),
    radial-gradient(ellipse 40% 50% at 20% 80%, rgba(224,123,60,.12) 0%, transparent 60%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  top: -120px; right: -120px;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(43,95,168,.25) 0%, transparent 70%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 440px;
  gap: 56px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-copy { color: #fff; }
.hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--orange-light);
  background: rgba(224,123,60,.15);
  border: 1px solid rgba(224,123,60,.3);
  border-radius: 40px;
  padding: 7px 16px;
  margin-bottom: 24px;
}
.hero-pill::before { content: '●'; font-size: 8px; }
.hero-copy h1 {
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  font-weight: 900;
  line-height: 1.12;
  margin-bottom: 20px;
  letter-spacing: -.02em;
}
.hero-copy h1 em { font-style: normal; color: var(--orange-light); }
.hero-copy > p { font-size: 17px; color: rgba(255,255,255,.78); line-height: 1.7; max-width: 540px; margin-bottom: 32px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-trust {
  display: flex;
  gap: 32px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.12);
}
.hero-trust div { display: flex; flex-direction: column; gap: 2px; }
.hero-trust strong { font-size: 22px; font-weight: 800; color: #fff; }
.hero-trust span { font-size: 12px; color: rgba(255,255,255,.55); text-transform: uppercase; letter-spacing: .06em; }

/* Hero card (form) */
.hero-card {
  background: #fff;
  border-radius: var(--radius-xl);
  padding: 36px 32px;
  box-shadow: 0 32px 80px rgba(13,33,55,.35);
  position: relative;
}
.hero-card::before {
  content: '';
  position: absolute;
  top: 0; left: 32px; right: 32px;
  height: 3px;
  background: linear-gradient(90deg, var(--orange), var(--orange-dark));
  border-radius: 0 0 3px 3px;
  top: -1px;
  border-radius: var(--radius-xl) var(--radius-xl) 0 0;
}
.hero-card h3 { font-size: 20px; font-weight: 800; color: var(--navy-deep); margin-bottom: 4px; }
.hero-card > p { font-size: 13.5px; color: var(--muted); margin-bottom: 24px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 16px; }
.form-grid label { display: flex; flex-direction: column; gap: 6px; font-size: 12px; font-weight: 700; color: var(--text-mid); text-transform: uppercase; letter-spacing: .04em; }
.form-grid input, .form-grid select {
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 14px;
  color: var(--text);
  background: var(--off-white);
  transition: border-color var(--transition), box-shadow var(--transition);
  width: 100%;
}
.form-grid input:focus, .form-grid select:focus {
  outline: none;
  border-color: var(--navy-light);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(30,73,118,.12);
}
.form-note { font-size: 12.5px; color: var(--muted); margin-top: 12px; text-align: center; }
.form-note a { color: var(--orange); font-weight: 600; }

/* ── Trust bar ───────────────────────────────────────────── */
.trust-bar {
  background: #14c1a5;
  padding: 18px 0;
  border-bottom: 1px solid rgba(255,255,255,.07);
}
.trust-grid { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; }
.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  color: rgb(255, 255, 255);
  letter-spacing: .02em;
}
.trust-item .icon { color: var(--white); width: 16px; height: 16px; flex-shrink: 0; }

/* ── Cards ───────────────────────────────────────────────── */
.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition);
  position: relative;
  overflow: hidden;
}
.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: var(--border-dark);
}
.card::after {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--orange), var(--navy-light));
  opacity: 0;
  transition: opacity var(--transition);
}
.card:hover::after { opacity: 1; }
.card-icon {
  width: 52px; height: 52px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, rgba(30,73,118,.1), rgba(30,73,118,.05));
  border: 1px solid rgba(30,73,118,.12);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: var(--navy-mid);
}
.card h3 { font-size: 18px; font-weight: 800; color: var(--navy-deep); margin-bottom: 10px; }
.card p { font-size: 14.5px; color: var(--muted); line-height: 1.6; margin-bottom: 16px; }
.text-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 14px;
  font-weight: 700;
  color: var(--orange);
  transition: gap var(--transition);
}
.text-link::after { content: '→'; }
.text-link:hover { gap: 10px; }

/* ── Feature cards ───────────────────────────────────────── */
.feature-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}
.feature-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); border-color: rgba(30,73,118,.2); }
.feature-icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--navy-deep), var(--navy));
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  margin-bottom: 16px;
}
.feature-card h3 { font-size: 16px; font-weight: 700; color: var(--navy-deep); margin-bottom: 8px; }
.feature-card p { font-size: 14px; color: var(--muted); line-height: 1.6; }

/* ── Step cards ──────────────────────────────────────────── */
.step-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  box-shadow: var(--shadow-sm);
  position: relative;
  text-align: center;
}
.step-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px; height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--orange), var(--orange-dark));
  color: #fff;
  font-size: 18px;
  font-weight: 800;
  margin-bottom: 16px;
  box-shadow: 0 4px 16px rgba(224,123,60,.35);
}
.step-card h3 { font-size: 16px; font-weight: 700; color: var(--navy-deep); margin-bottom: 8px; }
.step-card p { font-size: 14px; color: var(--muted); }

/* ── Security section ────────────────────────────────────── */
.security { background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 100%); color: #fff; }
.security .eyebrow { color: var(--orange-light); }
.security h2 { color: #fff; }
.security > .container > div > p { color: rgba(255,255,255,.75); }
.checklist { margin: 24px 0 32px; display: flex; flex-direction: column; gap: 12px; }
.checklist li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
  color: rgba(255,255,255,.85);
}
/* Light-background checklist override */
.checklist.light li { color: var(--text-mid); }
.checklist.light li::before {
  background: rgba(224,123,60,.12);
  border: 1px solid rgba(224,123,60,.4);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none' stroke='%23E07B3C' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 8l3 3 7-7'/%3E%3C/svg%3E");
  background-size: 11px;
  background-position: center;
  background-repeat: no-repeat;
}
.checklist li::before {
  content: '';
  width: 20px; height: 20px;
  border-radius: 50%;
  background: rgba(224,123,60,.25);
  border: 1px solid rgba(224,123,60,.5);
  flex-shrink: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none' stroke='%23E07B3C' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 8l3 3 7-7'/%3E%3C/svg%3E");
  background-size: 12px;
  background-position: center;
  background-repeat: no-repeat;
}
.security-card {
  background: rgba(255,255,255,.07);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-xl);
  padding: 40px 36px;
}
.security-card h3 { font-size: 18px; font-weight: 700; color: #fff; margin-bottom: 28px; opacity: .9; }
.security-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 20px;
}
.security-grid div { display: flex; flex-direction: column; gap: 4px; }
.security-grid strong { font-size: 28px; font-weight: 900; color: var(--orange-light); }
.security-grid span { font-size: 12px; color: rgba(255,255,255,.55); text-transform: uppercase; letter-spacing: .06em; }
.security-note { font-size: 12px; color: rgba(255,255,255,.4); }

/* ── Calculator ──────────────────────────────────────────── */
.calc-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 36px 32px;
  box-shadow: var(--shadow-md);
}
.calc-row { margin-bottom: 22px; }
.calc-row label { display: block; font-size: 13px; font-weight: 700; color: var(--text-mid); text-transform: uppercase; letter-spacing: .05em; margin-bottom: 10px; }
.calc-input { display: flex; align-items: center; border: 1.5px solid var(--border); border-radius: var(--radius-sm); overflow: hidden; background: var(--off-white); }
.calc-input input { border: none; background: none; padding: 11px 14px; flex: 1; min-width: 0; font-size: 15px; font-weight: 600; color: var(--text); }
.calc-input input:focus { outline: none; }
.calc-input span { padding: 0 14px; font-size: 13px; font-weight: 700; color: var(--muted); border-left: 1px solid var(--border); white-space: nowrap; }
.calc-row select {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-weight: 600;
  color: var(--text);
  background: var(--off-white);
  appearance: none;
  cursor: pointer;
}
.calc-row input[type="range"] {
  width: 100%;
  margin-top: 10px;
  accent-color: var(--orange);
  height: 4px;
}
.calc-results { display: flex; flex-direction: column; gap: 16px; margin: 28px 0 10px; }
.calc-results div {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 20px;
  background: var(--bg-light);
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
}
.calc-results span { font-size: 14px; color: var(--text-mid); }
.calc-results strong { font-size: 22px; font-weight: 800; color: var(--navy-deep); }
.calc-note { font-size: 12px; color: var(--muted); margin-top: 8px; }

/* ── Stats bar ───────────────────────────────────────────── */
.stats { background: var(--navy-deep); padding: 64px 0; }
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  text-align: center;
}
.stats-grid > div {
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding: 20px;
  border-right: 1px solid rgba(255,255,255,.08);
}
.stats-grid > div:last-child { border-right: none; }
.stats-grid strong { font-size: clamp(2rem, 3.5vw, 2.8rem); font-weight: 900; color: var(--orange-light); }
.stats-grid span { font-size: 13px; color: rgba(255,255,255,.55); text-transform: uppercase; letter-spacing: .07em; }

/* ── Testimonials ────────────────────────────────────────── */
.testimonial {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  position: relative;
}
.testimonial::before {
  content: '"';
  position: absolute;
  top: 16px; left: 24px;
  font-size: 72px;
  color: var(--orange);
  opacity: .15;
  font-family: Georgia, serif;
  line-height: 1;
}
.testimonial p { font-size: 15px; color: var(--text-mid); line-height: 1.7; margin-bottom: 16px; font-style: italic; }
.testimonial span { font-size: 13px; font-weight: 700; color: var(--navy); display: flex; align-items: center; gap: 8px; }
.testimonial span::before { content: '—'; opacity: .4; }

/* ── FAQ ─────────────────────────────────────────────────── */
.faq { display: flex; flex-direction: column; gap: 8px; max-width: 780px; margin-inline: auto; }
.faq-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: border-color var(--transition);
}
.faq-item.open { border-color: var(--navy-light); }
.faq-item button {
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: 100%;
  padding: 20px 24px;
  font-size: 15.5px;
  font-weight: 700;
  color: var(--navy-deep);
  text-align: left;
  gap: 16px;
  transition: background var(--transition);
}
.faq-item button::after {
  content: '+';
  font-size: 22px;
  font-weight: 400;
  color: var(--orange);
  flex-shrink: 0;
  transition: transform var(--transition);
  width: 28px; height: 28px;
  border-radius: 50%;
  border: 1.5px solid var(--border-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
}
.faq-item.open button::after { content: '−'; transform: rotate(0deg); background: var(--navy-deep); border-color: var(--navy-deep); color: #fff; }
.faq-item button:hover { background: var(--off-white); }
.faq-content { padding: 0 24px 20px; font-size: 15px; color: var(--muted); line-height: 1.7; display: none; }
.faq-item.open .faq-content { display: block; }

/* ── CTA section ─────────────────────────────────────────── */
.cta-section {
  background: linear-gradient(135deg, var(--orange) 0%, var(--orange-dark) 100%);
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 80% 100% at 100% 50%, rgba(255,255,255,.08) 0%, transparent 70%);
}
.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  position: relative;
  z-index: 1;
}
.cta-inner h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 800; color: #fff; margin-bottom: 8px; }
.cta-inner p { font-size: 16px; color: rgba(255,255,255,.8); }
.cta-actions { display: flex; gap: 14px; flex-shrink: 0; flex-wrap: wrap; }

/* ── Visual section ──────────────────────────────────────── */
.visual-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}
.visual-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.visual-image { width: 100%; height: 220px; object-fit: cover; background: linear-gradient(135deg, var(--bg-light), var(--border)); }
.visual-card h3 { font-size: 17px; font-weight: 700; color: var(--navy-deep); padding: 20px 24px 8px; }
.visual-card p { font-size: 14.5px; color: var(--muted); padding: 0 24px 24px; }

/* ── Page hero ───────────────────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 60%, var(--navy-mid) 100%);
  padding: 72px 0;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 50% 80% at 90% 50%, rgba(43,95,168,.2) 0%, transparent 70%);
}
.page-hero__grid {
  display: grid;
  grid-template-columns: 1fr 400px;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.page-hero__content { color: #fff; }
.page-hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--orange-light);
  background: rgba(224,123,60,.15);
  border: 1px solid rgba(224,123,60,.3);
  border-radius: 40px;
  padding: 7px 16px;
  margin-bottom: 20px;
}
.page-hero__content h1 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 900; line-height: 1.15; margin-bottom: 16px; letter-spacing: -.02em; }
.page-hero__content > p { font-size: 17px; color: rgba(255,255,255,.75); line-height: 1.7; margin-bottom: 28px; }
.page-hero__media {
  background: rgba(255,255,255,.07);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: var(--radius-xl);
  padding: 32px 28px;
}
.page-hero__media h3 { font-size: 16px; font-weight: 700; color: #fff; margin-bottom: 16px; opacity: .9; }
.page-hero__media .list li { display: flex; align-items: flex-start; gap: 10px; font-size: 14.5px; color: rgba(255,255,255,.8); margin-bottom: 10px; }
.page-hero__media .list li::before { content: '✓'; color: var(--orange-light); font-weight: 800; flex-shrink: 0; }
.page-hero__stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 24px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.1); }
.page-hero__stats div { display: flex; flex-direction: column; gap: 3px; }
.page-hero__stats strong { font-size: 20px; font-weight: 800; color: #fff; }
.page-hero__stats span { font-size: 11px; color: rgba(255,255,255,.5); text-transform: uppercase; letter-spacing: .06em; }

/* ── Info grid ───────────────────────────────────────────── */
.info-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.info-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}
.info-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.icon-badge {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--navy-deep), var(--navy));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  margin-bottom: 16px;
}
.info-card h3 { font-size: 16px; font-weight: 700; color: var(--navy-deep); margin-bottom: 8px; }
.info-card p { font-size: 14px; color: var(--muted); line-height: 1.6; }

/* ── Highlight cards ─────────────────────────────────────── */
.highlight-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.highlight-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  border-left: 4px solid var(--orange);
}
.highlight-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.highlight-card h3 { font-size: 16px; font-weight: 700; color: var(--navy-deep); margin: 16px 0 8px; }
.highlight-card p { font-size: 14px; color: var(--muted); line-height: 1.6; }

/* ── Callout ─────────────────────────────────────────────── */
.callout {
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-left: 4px solid var(--navy);
  border-radius: var(--radius-md);
  padding: 24px 20px;
}
.callout h3 { font-size: 15px; font-weight: 700; color: var(--navy-deep); margin-bottom: 8px; }
.callout p { font-size: 14px; color: var(--text-mid); line-height: 1.6; }

/* ── List ────────────────────────────────────────────────── */
.list { display: flex; flex-direction: column; gap: 10px; }
.list li { display: flex; align-items: flex-start; gap: 10px; font-size: 15px; color: var(--text-mid); }
.list li::before { content: '✓'; color: var(--orange); font-weight: 800; flex-shrink: 0; }

/* ── Table ───────────────────────────────────────────────── */
.table-wrap { overflow-x: auto; border-radius: var(--radius-md); border: 1px solid var(--border); }
.comparison-table { width: 100%; border-collapse: collapse; font-size: 14.5px; }
.comparison-table thead tr { background: var(--navy-deep); }
.comparison-table th {
  text-align: left;
  padding: 15px 20px;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: rgba(255,255,255,.65);
}
.comparison-table td { padding: 14px 20px; border-bottom: 1px solid var(--border); color: var(--text-mid); vertical-align: middle; }
.comparison-table tbody tr:last-child td { border-bottom: none; }
.comparison-table tbody tr:nth-child(odd) { background: var(--off-white); }
.comparison-table tbody tr:hover { background: var(--bg-light); }
.note { font-size: 13px; color: var(--muted); margin-top: 14px; font-style: italic; }

/* ── Tag list ────────────────────────────────────────────── */
.tag-list { display: flex; flex-wrap: wrap; gap: 10px; }
.tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: 40px;
  padding: 7px 16px;
}
.tag::before { content: '◆'; font-size: 7px; color: var(--orange); }

/* ── Footer ──────────────────────────────────────────────── */
.site-footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,.7);
  padding: 72px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-brand { display: flex; align-items: center; gap: 12px; margin-bottom: 16px; }
.footer-brand img { width: 40px; height: 40px; object-fit: contain; border-radius: 8px; }
.footer-brand div { display: flex; flex-direction: column; gap: 2px; }
.footer-brand strong { font-size: 14px; font-weight: 800; color: #fff; }
.footer-brand span { font-size: 11px; color: rgba(255,255,255,.45); letter-spacing: .04em; }
.footer-col > p { font-size: 14px; line-height: 1.7; margin-bottom: 20px; }
.footer-badges { display: flex; flex-wrap: wrap; gap: 8px; }
.footer-badges span {
  font-size: 11.5px;
  font-weight: 600;
  color: rgba(255,255,255,.6);
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 40px;
  padding: 4px 12px;
}
.footer-col h4 { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: rgba(255,255,255,.4); margin-bottom: 16px; }
.footer-col a { display: block; font-size: 14px; color: rgba(255,255,255,.65); margin-bottom: 10px; transition: color var(--transition); }
.footer-col a:hover { color: var(--orange-light); }
.footer-col > p.addr { font-size: 13.5px; color: rgba(255,255,255,.5); line-height: 1.6; margin-bottom: 12px; }

.newsletter { margin-top: 24px; }
.newsletter > label { display: block; font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: rgba(255,255,255,.5); margin-bottom: 8px; }
.newsletter-row { display: flex; gap: 8px; margin-top: 10px; }
.newsletter-row input {
  flex: 1;
  padding: 11px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255,255,255,.15);
  background: rgba(255,255,255,.07);
  color: #fff;
  font-size: 14px;
}
.newsletter-row input::placeholder { color: rgba(255,255,255,.35); }
.newsletter-row input:focus { outline: none; border-color: var(--orange); }

.footer-bottom {
  background: rgba(0,0,0,.25);
  padding: 18px 0;
}
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font-size: 12.5px;
  color: rgba(255,255,255,.35);
}

/* ── Floating call ───────────────────────────────────────── */
@keyframes fc-pulse {
  0%, 100% { box-shadow: 0 8px 28px rgba(224,123,60,.45); }
  55%       { box-shadow: 0 8px 28px rgba(224,123,60,.45), 0 0 0 10px rgba(224,123,60,.12); }
}
.floating-call {
  display: flex;
  align-items: center;
  gap: 0;
  position: fixed;
  bottom: 36px; right: 32px;
  background: linear-gradient(135deg, var(--orange) 0%, var(--orange-dark) 100%);
  color: #fff;
  border-radius: 60px;
  text-decoration: none;
  overflow: hidden;
  z-index: 500;
  animation: fc-pulse 3s ease-in-out infinite;
  transition: transform var(--transition), box-shadow var(--transition), filter var(--transition);
}
.floating-call:hover {
  transform: translateY(-3px) scale(1.02);
  filter: brightness(1.08);
  animation: none;
  box-shadow: 0 14px 40px rgba(224,123,60,.55);
}
.fc-icon {
  width: 58px; height: 58px;
  display: flex; align-items: center; justify-content: center;
  background: rgba(0,0,0,.15);
  flex-shrink: 0;
}
.fc-icon svg { display: block; color: #fff; }
.fc-text {
  display: flex; flex-direction: column;
  padding: 0 22px 0 14px;
  line-height: 1.3;
}
.fc-text span { font-size: 10.5px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; opacity: .82; }
.fc-text strong { font-size: 14px; font-weight: 800; letter-spacing: -.01em; }

/* ── Mobile CTA bar ──────────────────────────────────────── */
.mobile-cta-bar { display: none; }

/* ── Kontakt page ────────────────────────────────────────── */
.contact-grid { display: grid; grid-template-columns: 1fr 400px; gap: 60px; align-items: start; }
.contact-form-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 40px 36px;
  box-shadow: var(--shadow-md);
}
.contact-form-card h2 { font-size: 22px; font-weight: 800; color: var(--navy-deep); margin-bottom: 6px; }
.contact-form-card > p { font-size: 15px; color: var(--muted); margin-bottom: 28px; }
.contact-info-card {
  background: var(--navy-deep);
  border-radius: var(--radius-xl);
  padding: 36px 32px;
  color: rgba(255,255,255,.8);
}
.contact-info-card h3 { font-size: 18px; font-weight: 800; color: #fff; margin-bottom: 24px; }
.contact-info-item { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 20px; }
.contact-info-item .ci-icon {
  width: 40px; height: 40px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--orange-light);
  flex-shrink: 0;
}
.contact-info-item strong { display: block; font-size: 12px; font-weight: 700; color: rgba(255,255,255,.5); text-transform: uppercase; letter-spacing: .07em; margin-bottom: 4px; }
.contact-info-item a, .contact-info-item span { font-size: 14px; color: rgba(255,255,255,.8); transition: color var(--transition); }
.contact-info-item a:hover { color: var(--orange-light); }

.form-full { display: flex; flex-direction: column; gap: 16px; }
.form-row-std { display: flex; flex-direction: column; gap: 6px; }
.form-row-std label { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--text-mid); }
.form-row-std input,
.form-row-std select,
.form-row-std textarea {
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 14.5px;
  color: var(--text);
  background: var(--off-white);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-row-std input:focus,
.form-row-std select:focus,
.form-row-std textarea:focus {
  outline: none;
  border-color: var(--navy-light);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(30,73,118,.1);
}
.form-row-std textarea { resize: vertical; min-height: 110px; }
.form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.alert-success {
  background: rgba(34,197,94,.1);
  border: 1px solid rgba(34,197,94,.3);
  color: #14532d;
  padding: 14px 18px;
  border-radius: var(--radius-md);
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 20px;
}

/* ── Content pages ───────────────────────────────────────── */
.content-page { padding: 80px 0; }
.content-wrap { max-width: 820px; }
.content-wrap h2 { font-size: 1.6rem; font-weight: 800; color: var(--navy-deep); margin: 36px 0 12px; }
.content-wrap h3 { font-size: 1.15rem; font-weight: 700; color: var(--navy); margin: 24px 0 8px; }
.content-wrap p { font-size: 15.5px; color: var(--text-mid); line-height: 1.75; margin-bottom: 16px; }
.content-wrap ul { margin: 0 0 16px 20px; }
.content-wrap ul li { font-size: 15px; color: var(--text-mid); line-height: 1.7; margin-bottom: 6px; list-style: disc; }

/* ── Wissen (blog) articles ──────────────────────────────── */
.article-hero {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 100%);
  padding: 64px 0;
}
.article-hero__inner { max-width: 780px; }
.article-hero .eyebrow { display: inline-block; font-size: 12px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--orange-light); background: rgba(224,123,60,.15); border: 1px solid rgba(224,123,60,.3); border-radius: 40px; padding: 6px 14px; margin-bottom: 20px; }
.article-hero h1 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); font-weight: 900; color: #fff; line-height: 1.2; margin-bottom: 16px; letter-spacing: -.02em; }
.article-hero p { font-size: 17px; color: rgba(255,255,255,.75); line-height: 1.7; }
.article-body { max-width: 780px; padding: 64px 0 80px; }
.article-body h2 { font-size: 1.55rem; font-weight: 800; color: var(--navy-deep); margin: 40px 0 14px; }
.article-body h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin: 28px 0 10px; }
.article-body p { font-size: 16px; color: var(--text-mid); line-height: 1.8; margin-bottom: 18px; }
.article-body ul { margin: 0 0 18px 24px; }
.article-body ul li { font-size: 16px; color: var(--text-mid); line-height: 1.7; margin-bottom: 7px; list-style: disc; }
.article-body .callout { margin: 32px 0; }

/* ── Visual placeholder (image substitute) ───────────────── */
.img-block {
  border-radius: var(--radius-lg);
  overflow: hidden;
  position: relative;
  background: linear-gradient(135deg, var(--bg-light) 0%, var(--border) 100%);
}
.img-block--tall  { aspect-ratio: 4/3; }
.img-block--wide  { aspect-ratio: 16/7; }
.img-block--sq    { aspect-ratio: 1/1; }
.img-block svg    { width: 100%; height: 100%; }
.img-block .img-overlay {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  color: var(--navy);
}
.img-block .img-overlay .big-icon {
  width: 72px; height: 72px;
  background: rgba(30,73,118,.1);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--navy-mid);
}
.img-block .img-overlay span { font-size: 14px; font-weight: 600; color: var(--text-mid); }

/* Themed image blocks */
.img-block--navy   { background: linear-gradient(135deg, var(--navy-deep), var(--navy)); }
.img-block--orange { background: linear-gradient(135deg, var(--orange-dark), var(--orange)); }
.img-block--teal   { background: linear-gradient(135deg, #0f4c75, #1b6ca8); }
.img-block--green  { background: linear-gradient(135deg, #064e3b, #065f46); }

/* Decorative pattern overlay */
.img-block::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,.06) 1px, transparent 1px);
  background-size: 24px 24px;
  pointer-events: none;
}

/* ── Icon list ────────────────────────────────────────────── */
.icon-list { display: flex; flex-direction: column; gap: 16px; }
.icon-list-item { display: flex; align-items: flex-start; gap: 16px; }
.icon-list-item .il-icon {
  width: 44px; height: 44px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, rgba(30,73,118,.1), rgba(30,73,118,.05));
  border: 1px solid rgba(30,73,118,.12);
  display: flex; align-items: center; justify-content: center;
  color: var(--navy-mid);
  flex-shrink: 0;
}
.icon-list-item .il-icon--orange {
  background: linear-gradient(135deg, rgba(224,123,60,.12), rgba(224,123,60,.06));
  border-color: rgba(224,123,60,.2);
  color: var(--orange);
}
.icon-list-item strong { display: block; font-size: 15px; font-weight: 700; color: var(--navy-deep); margin-bottom: 4px; }
.icon-list-item p { font-size: 14px; color: var(--muted); line-height: 1.6; }

/* ── Number feature cards ────────────────────────────────── */
.num-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  text-align: center;
  transition: all var(--transition);
}
.num-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.num-card .num { font-size: 42px; font-weight: 900; color: var(--orange); line-height: 1; margin-bottom: 8px; }
.num-card h3 { font-size: 15px; font-weight: 700; color: var(--navy-deep); margin-bottom: 8px; }
.num-card p  { font-size: 13.5px; color: var(--muted); line-height: 1.6; }

/* ── Num-card sub-elements ───────────────────────────────── */
.nc-top { display: flex; align-items: center; justify-content: center; margin-bottom: 12px; }
.nc-num { font-size: 42px; font-weight: 900; color: var(--orange); line-height: 1; }
.nc-label { display: inline-block; background: linear-gradient(135deg, var(--orange), var(--orange-dark)); color: #fff; font-size: 12px; font-weight: 700; letter-spacing: .5px; text-transform: uppercase; border-radius: 20px; padding: 4px 12px; }

/* ── Process timeline ────────────────────────────────────── */
.timeline { display: flex; flex-direction: column; gap: 0; }
.timeline-item {
  display: flex;
  gap: 20px;
  padding-bottom: 28px;
  position: relative;
}
.timeline-item:last-child { padding-bottom: 0; }
.timeline-dot {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex-shrink: 0;
}
.timeline-dot .dot {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--orange), var(--orange-dark));
  color: #fff;
  font-size: 14px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(224,123,60,.3);
  flex-shrink: 0;
}
.timeline-dot .line {
  width: 2px;
  flex: 1;
  background: linear-gradient(to bottom, rgba(224,123,60,.4), rgba(224,123,60,.05));
  margin-top: 6px;
}
.timeline-item:last-child .line { display: none; }
.timeline-body strong { display: block; font-size: 15px; font-weight: 700; color: var(--navy-deep); margin-bottom: 5px; }
.timeline-body p { font-size: 14px; color: var(--muted); line-height: 1.6; }

/* ── Comparison cards ────────────────────────────────────── */
.compare-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.compare-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.compare-card.featured { border-color: var(--orange); box-shadow: 0 0 0 2px rgba(224,123,60,.15), var(--shadow-md); }
.compare-card-head { padding: 20px 24px; background: var(--off-white); border-bottom: 1px solid var(--border); }
.compare-card.featured .compare-card-head { background: linear-gradient(135deg, var(--orange), var(--orange-dark)); color: #fff; }
.compare-card-head h3 { font-size: 17px; font-weight: 800; margin-bottom: 4px; }
.compare-card-head p { font-size: 13px; opacity: .75; }
.compare-card-rate { padding: 20px 24px; border-bottom: 1px solid var(--border); }
.compare-card-rate .rate-num { font-size: 36px; font-weight: 900; color: var(--navy-deep); line-height: 1; }
.compare-card.featured .compare-card-rate .rate-num { color: var(--orange); }
.compare-card-rate .rate-label { font-size: 13px; color: var(--muted); margin-top: 4px; }
.compare-card-features { padding: 20px 24px; display: flex; flex-direction: column; gap: 10px; }
.compare-feature { display: flex; align-items: center; gap: 10px; font-size: 14px; color: var(--text-mid); }
.compare-feature .cf-icon { width: 20px; height: 20px; border-radius: 50%; background: rgba(224,123,60,.1); display: flex; align-items: center; justify-content: center; flex-shrink: 0; color: var(--orange); font-size: 11px; font-weight: 700; }

/* ── Badge row ───────────────────────────────────────────── */
.badge-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 20px; }
.badge-item {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: 40px;
  padding: 8px 16px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-mid);
}
.badge-item svg { color: var(--orange); }

/* ── Responsive ──────────────────────────────────────────── */
@media (max-width: 1024px) {
  .cards-4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-card { max-width: 500px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid > div { border-right: none; border-bottom: 1px solid rgba(255,255,255,.08); }
  .stats-grid > div:nth-child(odd) { border-right: 1px solid rgba(255,255,255,.08); }
  .stats-grid > div:nth-last-child(-n+2) { border-bottom: none; }
  .two-col { grid-template-columns: 1fr; gap: 40px; }
  .split { grid-template-columns: 1fr; gap: 32px; }
  .page-hero__grid { grid-template-columns: 1fr; }
  .page-hero__media { max-width: 500px; }
  .contact-grid { grid-template-columns: 1fr; }
  .info-grid { grid-template-columns: 1fr 1fr; }
  .highlight-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .section { padding: 60px 0; }
  .cards-2, .cards-3 { grid-template-columns: 1fr; }
  .compare-grid { grid-template-columns: 1fr; }
  .info-grid { grid-template-columns: 1fr; }
  .highlight-grid { grid-template-columns: 1fr; }

  .topbar { display: none; }
  .header-inner { height: 60px; }
  .brand-logo-img { height: 36px; }
  .header-cta { display: none; }
  .menu-toggle { display: flex; }
  .nav-close { display: block; padding: 12px 20px; font-size: 14px; font-weight: 700; color: var(--navy); text-align: right; }

  .site-nav {
    position: fixed;
    top: 0; right: -100%;
    width: min(320px, 85vw);
    height: 100vh;
    background: #fff;
    border-left: 1px solid var(--border);
    box-shadow: var(--shadow-lg);
    transition: right .35s cubic-bezier(.4,0,.2,1);
    z-index: 1000;
    overflow-y: auto;
    display: flex;
    flex-direction: column;
  }
  .nav-open .site-nav { right: 0; }
  .nav-list { flex-direction: column; padding: 8px 16px 24px; gap: 2px; }
  .nav-link { font-size: 15px; padding: 12px 16px; }
  .subnav {
    position: static;
    box-shadow: none;
    border: none;
    border-radius: 0;
    padding: 4px 8px;
    background: var(--off-white);
    border-radius: var(--radius-sm);
    margin: 4px 0;
  }
  .menu-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(13,33,55,.5);
    z-index: 999;
    backdrop-filter: blur(4px);
  }
  .nav-open .menu-overlay { display: block; }

  .hero { padding: 48px 0 52px; }
  .hero-trust { gap: 20px; }
  .hero-card { padding: 28px 20px; }
  .form-grid { grid-template-columns: 1fr; gap: 12px; }

  .cta-inner { flex-direction: column; text-align: center; }
  .cta-actions { justify-content: center; }
  .footer-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-bottom-inner { flex-direction: column; text-align: center; }

  .floating-call { display: flex; }
  .mobile-cta-bar {
    display: flex;
    position: fixed;
    bottom: 0; left: 0; right: 0;
    background: #fff;
    border-top: 1px solid var(--border);
    padding: 10px 16px;
    gap: 10px;
    z-index: 400;
    box-shadow: 0 -4px 20px rgba(13,33,55,.1);
  }
  .mobile-cta-bar .btn { flex: 1; justify-content: center; font-size: 14px; padding: 12px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { justify-content: center; }
}