/* ============ Prestamax — design system ============ */
:root {
  --blue: #2563eb;
  --blue-dark: #1d4ed8;
  --blue-deep: #1e40af;
  --cyan: #38bdf8;
  --ink: #0b1220;
  --ink-soft: #334155;
  --muted: #64748b;
  --bg: #ffffff;
  --bg-soft: #f5f7fb;
  --line: #e6eaf2;
  --green: #16a34a;
  --radius: 22px;
  --shadow-sm: 0 1px 2px rgba(11, 18, 32, .05), 0 4px 16px rgba(11, 18, 32, .06);
  --shadow-md: 0 8px 30px rgba(11, 18, 32, .10);
  --shadow-lg: 0 24px 60px rgba(30, 64, 175, .18);
  --grad: linear-gradient(120deg, #1e40af, #2563eb 45%, #38bdf8);
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'SF Pro Display', 'Segoe UI', Roboto, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
.container { width: min(1180px, 92%); margin: 0 auto; }

::selection { background: rgba(37, 99, 235, .18); }
:focus-visible { outline: 3px solid rgba(37, 99, 235, .55); outline-offset: 2px; border-radius: 4px; }

/* ============ Type ============ */
h1, h2, h3 { letter-spacing: -0.03em; line-height: 1.08; font-weight: 700; }
.eyebrow {
  display: inline-flex; align-items: center; gap: .5rem;
  font-size: .82rem; font-weight: 600; letter-spacing: .02em;
  color: var(--blue-dark);
  background: rgba(37, 99, 235, .08);
  border: 1px solid rgba(37, 99, 235, .18);
  padding: .45rem 1rem; border-radius: 999px;
}
.section-title { font-size: clamp(1.9rem, 4vw, 2.9rem); margin: 1rem 0 .75rem; }
.section-sub { color: var(--muted); font-size: 1.12rem; max-width: 640px; }
.center { text-align: center; }
.center .section-sub { margin-inline: auto; }
.grad-text {
  background: var(--grad);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: transparent;
}

/* ============ Buttons ============ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  font-family: var(--font); font-weight: 600; font-size: 1rem;
  padding: .95rem 1.9rem; border-radius: 999px; border: none; cursor: pointer;
  transition: transform .22s cubic-bezier(.2,.8,.2,1), box-shadow .22s, background .22s, color .22s;
  white-space: nowrap;
}
.btn-primary {
  background: var(--grad); background-size: 160% 160%; color: #fff;
  box-shadow: 0 10px 26px rgba(37, 99, 235, .35);
}
.btn-primary:hover { transform: translateY(-2px) scale(1.02); box-shadow: 0 16px 34px rgba(37, 99, 235, .45); }
.btn-primary:active { transform: translateY(0) scale(.99); }
.btn-ghost {
  background: rgba(255,255,255,.7); color: var(--ink);
  border: 1px solid var(--line); backdrop-filter: blur(8px);
}
.btn-ghost:hover { border-color: var(--blue); color: var(--blue-dark); transform: translateY(-2px); }
.btn-lg { padding: 1.15rem 2.4rem; font-size: 1.08rem; }
.btn-white { background: #fff; color: var(--blue-dark); box-shadow: 0 10px 26px rgba(2, 8, 30, .25); }
.btn-white:hover { transform: translateY(-2px) scale(1.02); }
.btn-wa {
  background: #25d366; color: #fff;
  box-shadow: 0 10px 26px rgba(37, 211, 102, .35);
}
.btn-wa:hover { transform: translateY(-2px) scale(1.02); box-shadow: 0 16px 34px rgba(37, 211, 102, .45); background: #1fbd5a; }
.btn-wa svg, .wa-float svg, .mobile-cta .wa-btn svg { width: 1.25em; height: 1.25em; fill: currentColor; flex: none; }

/* ============ Nav ============ */
.nav {
  position: fixed; inset: 0 0 auto 0; z-index: 100;
  backdrop-filter: saturate(180%) blur(18px);
  -webkit-backdrop-filter: saturate(180%) blur(18px);
  background: rgba(255, 255, 255, .78);
  border-bottom: 1px solid transparent;
  transition: border-color .3s, background .3s;
}
.nav.scrolled { border-bottom-color: var(--line); background: rgba(255, 255, 255, .9); }
.nav-inner { display: flex; align-items: center; gap: 1.6rem; height: 72px; }
.nav-logo img { height: 30px; width: auto; }
.nav-links { display: flex; gap: 1.5rem; margin-inline: auto; }
.nav-links a { font-size: .95rem; font-weight: 500; color: var(--ink-soft); transition: color .2s; }
.nav-links a:hover { color: var(--blue); }
.nav-phone { font-weight: 600; font-size: .95rem; color: var(--ink); display: inline-flex; align-items: center; gap: .4rem; }
.nav-phone:hover { color: var(--blue); }

/* Language toggle */
.lang-toggle {
  display: inline-flex; background: var(--bg-soft); border: 1px solid var(--line);
  border-radius: 999px; padding: 3px; gap: 2px;
}
.lang-toggle button {
  font-family: var(--font); font-size: .8rem; font-weight: 600; letter-spacing: .02em;
  border: none; background: transparent; color: var(--muted);
  padding: .35rem .8rem; border-radius: 999px; cursor: pointer;
  transition: background .2s, color .2s, box-shadow .2s;
}
.lang-toggle button.active { background: #fff; color: var(--ink); box-shadow: var(--shadow-sm); }

.nav-cta { padding: .7rem 1.5rem; font-size: .92rem; }
.nav-burger { display: none; background: none; border: none; cursor: pointer; padding: .4rem; }
.nav-burger span { display: block; width: 22px; height: 2px; background: var(--ink); margin: 5px 0; border-radius: 2px; transition: .3s; }

/* Mobile menu */
.mobile-menu {
  display: none; position: fixed; top: 72px; left: 0; right: 0; z-index: 99;
  background: rgba(255,255,255,.97); backdrop-filter: blur(18px);
  border-bottom: 1px solid var(--line); padding: 1.2rem 4%;
}
.mobile-menu.open { display: block; }
.mobile-menu a { display: block; padding: .85rem 0; font-weight: 600; border-bottom: 1px solid var(--bg-soft); }
.mobile-menu a.btn { display: flex; justify-content: center; width: 100%; margin-top: 1rem; border-bottom: none; }

/* Sticky mobile CTA bar */
.mobile-cta {
  display: none; position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  padding: .7rem 4% calc(.7rem + env(safe-area-inset-bottom));
  background: rgba(255, 255, 255, .92);
  backdrop-filter: saturate(180%) blur(18px);
  -webkit-backdrop-filter: saturate(180%) blur(18px);
  border-top: 1px solid var(--line);
  gap: .6rem;
  transform: translateY(0);
  transition: transform .35s cubic-bezier(.2,.8,.2,1);
}
.mobile-cta.hidden-bar { transform: translateY(110%); }
.mobile-cta .btn-primary { flex: 1; padding: .95rem 1rem; }
.mobile-cta .call-btn {
  flex: none; width: 52px; height: 52px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center; font-size: 1.25rem;
  background: var(--bg-soft); border: 1px solid var(--line);
}
.mobile-cta .wa-btn {
  flex: none; width: 52px; height: 52px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  background: #25d366; color: #fff;
  box-shadow: 0 6px 16px rgba(37, 211, 102, .4);
}
.mobile-cta .wa-btn svg { width: 26px; height: 26px; }

/* ============ Hero ============ */
.hero {
  position: relative; padding: 172px 0 96px; overflow: hidden;
  background: radial-gradient(1200px 600px at 78% -10%, rgba(56, 189, 248, .16), transparent 60%),
              radial-gradient(900px 500px at 12% 8%, rgba(37, 99, 235, .12), transparent 60%),
              linear-gradient(180deg, #f7f9fe 0%, #fff 90%);
}
.hero-orb {
  position: absolute; border-radius: 50%; filter: blur(80px); opacity: .5; pointer-events: none;
  animation: float 14s ease-in-out infinite;
}
.orb-1 { width: 420px; height: 420px; background: rgba(37, 99, 235, .25); top: -120px; right: -80px; }
.orb-2 { width: 320px; height: 320px; background: rgba(56, 189, 248, .3); bottom: -140px; left: -100px; animation-delay: -7s; }
@keyframes float { 0%,100% { transform: translateY(0) } 50% { transform: translateY(34px) } }

.hero-inner { position: relative; text-align: center; max-width: 880px; margin: 0 auto; }
.hero h1 { font-size: clamp(2.5rem, 6.2vw, 4.4rem); font-weight: 800; margin: 1.3rem 0 1.2rem; }
.hero-sub { font-size: clamp(1.05rem, 2vw, 1.3rem); color: var(--muted); max-width: 620px; margin: 0 auto 2.2rem; }
.hero-ctas { display: flex; gap: .9rem; justify-content: center; flex-wrap: wrap; }
.hero-trust {
  margin-top: 2.6rem; display: flex; gap: 1.8rem; justify-content: center; flex-wrap: wrap;
  color: var(--ink-soft); font-size: .92rem; font-weight: 500;
}
.hero-trust li { display: inline-flex; align-items: center; gap: .45rem; }
.check {
  width: 18px; height: 18px; border-radius: 50%; flex: none;
  background: rgba(22, 163, 74, .12); color: var(--green);
  display: inline-flex; align-items: center; justify-content: center; font-size: .68rem; font-weight: 800;
}

/* ============ Stats ============ */
/* partners trust strip */
.partners { padding: 4px 0 44px; }
.partners-label { text-align: center; font-size: .76rem; font-weight: 600; text-transform: uppercase; letter-spacing: .12em; color: var(--muted); margin-bottom: 1.2rem; }
.partners-row { display: flex; align-items: center; justify-content: center; gap: 2.8rem; flex-wrap: wrap; }
.partners-row img { height: 26px; width: auto; opacity: .55; filter: grayscale(1); transition: opacity .2s, filter .2s; }
.partners-row img:hover { opacity: 1; filter: none; }

.stats { padding: 0 0 40px; }
.stats-card {
  background: var(--grad); border-radius: calc(var(--radius) + 6px);
  padding: 2.8rem 2rem; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem;
  box-shadow: var(--shadow-lg); color: #fff; text-align: center;
}
.stat-num { font-size: clamp(1.9rem, 3.6vw, 2.8rem); font-weight: 800; letter-spacing: -0.03em; line-height: 1.05; }
.stat-label { font-size: .92rem; opacity: .82; margin-top: .35rem; font-weight: 500; }

/* ============ Sections ============ */
.section { padding: 96px 0; }
.section-soft { background: var(--bg-soft); }

/* ============ Estimator ============ */
.estimator {
  background: #fff; border: 1px solid var(--line); border-radius: calc(var(--radius) + 6px);
  box-shadow: var(--shadow-md); padding: 2.6rem; margin-top: 2.6rem;
  display: grid; grid-template-columns: 1.15fr .85fr; gap: 2.6rem; align-items: center;
}
.estimator-label { font-weight: 600; color: var(--ink-soft); font-size: .95rem; margin-bottom: .4rem; }
.estimator-value { font-size: clamp(1.7rem, 3vw, 2.3rem); font-weight: 800; letter-spacing: -0.02em; margin-bottom: 1.4rem; }
input[type="range"] {
  width: 100%; appearance: none; -webkit-appearance: none; height: 8px; border-radius: 99px;
  background: linear-gradient(to right, var(--blue) 0%, var(--blue) 50%, var(--line) 50%);
  outline: none; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 28px; height: 28px; border-radius: 50%;
  background: #fff; border: 3px solid var(--blue); box-shadow: var(--shadow-md);
  transition: transform .15s;
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.12); }
input[type="range"]::-moz-range-thumb {
  width: 28px; height: 28px; border-radius: 50%;
  background: #fff; border: 3px solid var(--blue); box-shadow: var(--shadow-md); cursor: pointer;
}
.range-marks { display: flex; justify-content: space-between; color: var(--muted); font-size: .8rem; margin-top: .6rem; }
.estimator-result {
  background: linear-gradient(150deg, #f2f6ff, #eef9ff); border: 1px solid rgba(37, 99, 235, .18);
  border-radius: var(--radius); padding: 2rem; text-align: center;
}
.estimator-result-label { font-size: .88rem; font-weight: 600; color: var(--blue-dark); text-transform: uppercase; letter-spacing: .06em; }
.estimator-amount { font-size: clamp(1.4rem, 3.8vw, 2.1rem); font-weight: 800; letter-spacing: -0.03em; margin: .5rem 0 .3rem; white-space: nowrap; }
.estimator-note { color: var(--muted); font-size: .82rem; margin-bottom: 1.3rem; }

/* ============ Solution cards ============ */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; margin-top: 2.8rem; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 2.2rem; position: relative; display: flex; flex-direction: column;
  transition: transform .3s cubic-bezier(.2,.8,.2,1), box-shadow .3s, border-color .3s;
}
.card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: rgba(37, 99, 235, .35); }
.card-tag {
  align-self: flex-start; font-size: .75rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase;
  color: var(--blue-dark); background: rgba(37, 99, 235, .09); padding: .32rem .8rem; border-radius: 999px;
}
.card.featured { border: 2px solid var(--blue); box-shadow: var(--shadow-md); }
.card.featured .card-tag { background: var(--grad); color: #fff; }
.card h3 { font-size: 1.45rem; margin: 1.1rem 0 .4rem; }
.card-amount { font-weight: 700; color: var(--blue); font-size: .98rem; margin-bottom: 1.1rem; }
.card ul { display: grid; gap: .65rem; margin-bottom: 1.8rem; color: var(--ink-soft); font-size: .95rem; }
.card li { display: flex; align-items: flex-start; gap: .6rem; }
.card li .check { margin-top: .28rem; }
.card .btn { margin-top: auto; }

/* ============ Steps ============ */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.4rem; margin-top: 2.8rem; counter-reset: step; }
.step {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 2rem;
  position: relative; transition: transform .3s, box-shadow .3s;
}
.step:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.step-num {
  width: 46px; height: 46px; border-radius: 14px; background: var(--grad); color: #fff;
  font-weight: 800; font-size: 1.15rem; display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 18px rgba(37, 99, 235, .3); margin-bottom: 1.2rem;
}
.step h3 { font-size: 1.12rem; margin-bottom: .5rem; }
.step p { color: var(--muted); font-size: .92rem; }

/* ============ Why / credibility ============ */
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3.4rem; align-items: center; margin-top: 1rem; }
.why-list { display: grid; gap: 1rem; margin-top: 1.8rem; }
.why-list li {
  display: flex; gap: .85rem; align-items: flex-start; background: #fff;
  border: 1px solid var(--line); border-radius: 16px; padding: 1rem 1.2rem; font-weight: 500;
  transition: transform .25s, box-shadow .25s;
}
.why-list li:hover { transform: translateX(6px); box-shadow: var(--shadow-sm); }
.why-list .check { margin-top: .3rem; }

.testimonial {
  background: var(--ink); color: #fff; border-radius: calc(var(--radius) + 6px);
  padding: 2.8rem; position: relative; overflow: hidden; box-shadow: var(--shadow-lg);
}
.testimonial::before {
  content: '“'; position: absolute; top: -30px; right: 14px; font-size: 11rem; font-weight: 800;
  background: var(--grad); -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; opacity: .8; line-height: 1;
}
.testimonial blockquote { font-size: 1.25rem; line-height: 1.55; font-weight: 500; letter-spacing: -0.01em; }
.testimonial-author { margin-top: 1.6rem; display: flex; align-items: center; gap: .9rem; }
.testimonial-avatar {
  width: 48px; height: 48px; border-radius: 50%; background: var(--grad);
  display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 1rem;
}
.testimonial-author strong { display: block; font-size: .98rem; }
.testimonial-author span { color: rgba(255,255,255,.6); font-size: .85rem; }
.testimonial-stars { color: #fbbf24; letter-spacing: .18em; margin-bottom: 1.2rem; font-size: 1.05rem; }

/* ============ Contact strip ============ */
.contact-strip {
  background: var(--grad); border-radius: calc(var(--radius) + 6px);
  padding: 3rem 2.5rem; margin-top: 4rem; color: #fff;
  display: flex; align-items: center; justify-content: space-between; gap: 2rem; flex-wrap: wrap;
  box-shadow: var(--shadow-lg); position: relative; overflow: hidden;
}
.contact-strip::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(500px 260px at 88% -20%, rgba(255,255,255,.22), transparent 60%);
  pointer-events: none;
}
.contact-strip > * { position: relative; }
.contact-strip h3 { font-size: clamp(1.5rem, 2.8vw, 2.1rem); margin-bottom: .4rem; }
.contact-strip p { color: rgba(255,255,255,.85); max-width: 460px; }
.contact-strip-actions { display: flex; gap: .8rem; flex-wrap: wrap; }
.contact-strip .btn-white:hover { color: var(--blue-dark); }

/* Floating WhatsApp bubble (desktop) */
.wa-float {
  position: fixed; right: 26px; bottom: 26px; z-index: 95;
  width: 58px; height: 58px; border-radius: 50%;
  background: #25d366; color: #fff;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 12px 30px rgba(37, 211, 102, .45);
  transition: transform .25s cubic-bezier(.2,.8,.2,1), box-shadow .25s;
}
.wa-float:hover { transform: scale(1.1); box-shadow: 0 16px 38px rgba(37, 211, 102, .55); }
.wa-float svg { width: 30px; height: 30px; }

/* ============ FAQ ============ */
.faq { max-width: 780px; margin: 2.6rem auto 0; display: grid; gap: .8rem; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: 18px; overflow: hidden; transition: box-shadow .3s, border-color .3s; }
.faq-item.open { border-color: rgba(37, 99, 235, .35); box-shadow: var(--shadow-sm); }
.faq-q {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  background: none; border: none; cursor: pointer; text-align: left;
  font-family: var(--font); font-size: 1.05rem; font-weight: 600; color: var(--ink);
  padding: 1.3rem 1.5rem;
}
.faq-q .faq-icon {
  flex: none; width: 28px; height: 28px; border-radius: 50%; background: var(--bg-soft);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 1.1rem; font-weight: 500; color: var(--blue); transition: transform .3s, background .3s, color .3s;
}
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--blue); color: #fff; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.faq-a p { padding: 0 1.5rem 1.4rem; color: var(--muted); font-size: .97rem; }

/* ============ Apply ============ */
.apply-wrap { display: grid; grid-template-columns: .9fr 1.1fr; gap: 3.4rem; align-items: start; }
.apply-aside { position: sticky; top: 100px; }
.apply-points { display: grid; gap: 1.3rem; margin-top: 2rem; }
.apply-points li { display: flex; gap: 1rem; align-items: flex-start; }
.apply-point-icon {
  flex: none; width: 44px; height: 44px; border-radius: 14px; background: rgba(37, 99, 235, .09);
  display: flex; align-items: center; justify-content: center; font-size: 1.25rem;
}
.apply-points strong { display: block; font-size: 1.02rem; margin-bottom: .15rem; }
.apply-points p { color: var(--muted); font-size: .92rem; }
.secure-note {
  margin-top: 2rem; display: flex; gap: .7rem; align-items: flex-start;
  background: rgba(22, 163, 74, .07); border: 1px solid rgba(22, 163, 74, .2);
  padding: 1rem 1.2rem; border-radius: 14px; font-size: .87rem; color: var(--ink-soft);
}

.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: calc(var(--radius) + 6px);
  box-shadow: var(--shadow-md); padding: 2.6rem;
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }
.form-field { display: flex; flex-direction: column; gap: .4rem; }
.form-field.full { grid-column: 1 / -1; }
.form-field label { font-size: .88rem; font-weight: 600; color: var(--ink-soft); }
.form-field label .req { color: #ef4444; }
.form-field input, .form-field select {
  font-family: var(--font); font-size: 1rem; color: var(--ink);
  padding: .9rem 1.1rem; border: 1.5px solid var(--line); border-radius: 13px;
  background: var(--bg-soft); outline: none; transition: border-color .2s, background .2s, box-shadow .2s;
  appearance: none; -webkit-appearance: none;
}
.form-field select {
  background-image: url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2364748b' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 1.1rem center;
}
.form-field input:focus, .form-field select:focus {
  border-color: var(--blue); background: #fff; box-shadow: 0 0 0 4px rgba(37, 99, 235, .12);
}
.consent {
  grid-column: 1 / -1; display: flex; gap: .8rem; align-items: flex-start;
  font-size: .8rem; color: var(--muted); line-height: 1.55; margin-top: .3rem;
}
.consent input { margin-top: .25rem; width: 17px; height: 17px; accent-color: var(--blue); flex: none; cursor: pointer; }
.consent a { color: var(--blue); font-weight: 600; text-decoration: underline; }
.form-card .btn { width: 100%; margin-top: 1.4rem; }
.form-success { text-align: center; padding: 3rem 1rem; display: none; }
.form-success .big { font-size: 3.2rem; margin-bottom: 1rem; }
.form-success h3 { font-size: 1.5rem; margin-bottom: .6rem; }
.form-success p { color: var(--muted); }

/* ============ CTA band ============ */
.cta-band { padding: 0 0 96px; }
.cta-card {
  position: relative; overflow: hidden; background: var(--ink);
  border-radius: calc(var(--radius) + 10px); padding: 5rem 2rem; text-align: center; color: #fff;
  box-shadow: var(--shadow-lg);
}
.cta-card::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(700px 340px at 50% -10%, rgba(37, 99, 235, .55), transparent 65%),
              radial-gradient(500px 300px at 90% 110%, rgba(56, 189, 248, .35), transparent 60%);
}
.cta-card > * { position: relative; }
.cta-card h2 { font-size: clamp(2rem, 4.4vw, 3.2rem); margin-bottom: .9rem; }
.cta-card p { color: rgba(255,255,255,.75); font-size: 1.15rem; max-width: 560px; margin: 0 auto 2.2rem; }

/* ============ Footer ============ */
.footer { background: var(--bg-soft); border-top: 1px solid var(--line); padding: 4.5rem 0 2.2rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 2.4rem; }
.footer-logo img { height: 28px; width: auto; margin-bottom: 1rem; }
.footer-tag { color: var(--muted); font-size: .92rem; max-width: 280px; }
.footer h4 { font-size: .85rem; text-transform: uppercase; letter-spacing: .07em; color: var(--ink-soft); margin-bottom: 1.1rem; }
.footer-grid ul { display: grid; gap: .65rem; }
.footer-grid ul a { color: var(--muted); font-size: .93rem; transition: color .2s; }
.footer-grid ul a:hover { color: var(--blue); }
.footer-bottom {
  margin-top: 3.2rem; padding-top: 1.8rem; border-top: 1px solid var(--line);
  display: flex; justify-content: space-between; align-items: center; gap: 1rem; flex-wrap: wrap;
  color: var(--muted); font-size: .85rem;
}
.footer-bottom .links { display: flex; gap: 1.4rem; }
.footer-bottom a:hover { color: var(--blue); }

/* ============ Policy pages ============ */
.policy-hero { padding: 150px 0 56px; background: linear-gradient(180deg, #f7f9fe, #fff); text-align: center; }
.policy-hero h1 { font-size: clamp(2rem, 4.4vw, 3rem); }
.policy-hero p { color: var(--muted); margin-top: .7rem; }
.policy-updated { display: inline-block; margin-top: 1.1rem; font-size: .85rem; color: var(--blue-dark); background: rgba(37,99,235,.08); padding: .4rem 1rem; border-radius: 999px; font-weight: 600; }
.policy-body { max-width: 800px; margin: 0 auto; padding: 40px 0 90px; }
.policy-body section { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 2rem 2.2rem; margin-bottom: 1.1rem; box-shadow: var(--shadow-sm); }
.policy-body h2 { font-size: 1.3rem; margin-bottom: .8rem; }
.policy-body h3 { font-size: 1.05rem; margin: 1.2rem 0 .5rem; }
.policy-body p { color: var(--ink-soft); font-size: .97rem; margin-bottom: .8rem; }
.policy-body p:last-child { margin-bottom: 0; }
.policy-body ul { list-style: disc; padding-left: 1.3rem; color: var(--ink-soft); font-size: .97rem; display: grid; gap: .4rem; margin-bottom: .8rem; }
.policy-body a { color: var(--blue); font-weight: 600; }

/* ============ Reveal animations ============ */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s cubic-bezier(.2,.8,.2,1), transform .7s cubic-bezier(.2,.8,.2,1); }
.reveal.visible { opacity: 1; transform: none; }
.reveal-d1 { transition-delay: .08s; }
.reveal-d2 { transition-delay: .16s; }
.reveal-d3 { transition-delay: .24s; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .hero-orb { animation: none; }
  html { scroll-behavior: auto; }
}

/* ============ Responsive ============ */
@media (max-width: 1020px) {
  .nav-links, .nav-phone { display: none; }
  /* logo left, lang toggle + burger pinned to the right edge */
  .lang-toggle { margin-left: auto; }
  .nav-burger { display: block; }
  .cards, .steps { grid-template-columns: repeat(2, 1fr); }
  .stats-card { grid-template-columns: repeat(2, 1fr); }
  .why-grid, .apply-wrap, .estimator { grid-template-columns: 1fr; }
  .apply-aside { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .section { padding: 64px 0; }
  .partners-row { gap: 1.6rem 2rem; }
  .partners-row img { height: 20px; }
  .hero { padding: 120px 0 56px; }
  .hero-ctas .btn { width: 100%; }
  .hero-trust { flex-direction: column; gap: .8rem; align-items: center; margin-top: 2rem; }
  .cards, .steps { grid-template-columns: 1fr; }
  .stats-card { padding: 2rem 1.2rem; gap: 1.6rem 1rem; }
  .form-grid { grid-template-columns: 1fr; }
  .form-card, .estimator { padding: 1.6rem; }
  .testimonial { padding: 2rem; }
  .nav-inner { gap: .8rem; }
  .nav-cta { display: none; }
  .cta-card { padding: 3.5rem 1.4rem; }
  .cta-card .hero-ctas .btn { width: 100%; }
  .section-sub { font-size: 1.02rem; }
  .mobile-cta { display: flex; }
  body { padding-bottom: 84px; }
  .footer { padding-bottom: 1.6rem; }
  .wa-float { display: none; }
  .contact-strip { padding: 2.2rem 1.6rem; }
  .contact-strip-actions { width: 100%; flex-direction: column; }
  .contact-strip-actions .btn { width: 100%; }
}