/* Festgeld Capital — Premium Green/Blue · Manrope */

:root {
  --green-deep: #053E2F; --green-dark: #0A5544; --green: #0B7A6A; --green-2: #0F9A82; --green-3: #10B981;
  --mint: #5EEAD4; --mint-2: #99F6E4; --mint-100: #CCFBF1; --mint-50: #F0FDFA;
  --blue-deep: #0C4A6E; --blue: #0369A1; --blue-2: #0284C7; --blue-3: #0EA5E9; --sky: #38BDF8; --sky-50: #F0F9FF;
  --white: #FFFFFF; --cream: #FAFAF7; --bg: #F8FBFA;
  --ink: #061E18; --ink-soft: #0E2D24; --text: #2D3F3A; --muted: #6B7C77; --muted-2: #94A39F;
  --line: #E5EAE7; --line-2: #D1DAD6; --line-mint: #BAE6E0;
  --warn: #D97706; --error: #DC2626; --error-soft: #FEE2E2;
  --display: "Manrope", system-ui, sans-serif;
  --r-sm: 8px; --r-md: 14px; --r-lg: 20px; --r-xl: 28px; --r-2xl: 40px; --r-pill: 999px;
  --shadow-xs: 0 1px 2px rgba(6,30,24,0.04); --shadow-sm: 0 4px 12px rgba(6,30,24,0.06);
  --shadow: 0 10px 32px rgba(6,30,24,0.10); --shadow-md: 0 24px 60px rgba(6,30,24,0.16);
  --shadow-lg: 0 40px 100px rgba(6,30,24,0.24); --shadow-green: 0 18px 44px rgba(11,122,106,0.32);
  --shadow-mint: 0 18px 60px rgba(94,234,212,0.40);
  --grad-hero: radial-gradient(ellipse at 20% 30%, rgba(94,234,212,0.18) 0%, transparent 50%), radial-gradient(ellipse at 80% 70%, rgba(56,189,248,0.15) 0%, transparent 50%), linear-gradient(135deg, #053E2F 0%, #0A5544 100%);
  --grad-primary: linear-gradient(135deg, #0B7A6A 0%, #0EA5E9 100%);
  --grad-accent: linear-gradient(135deg, #5EEAD4 0%, #38BDF8 100%);
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--display); font-weight: 400; font-size: 16px; color: var(--text); background: var(--white); line-height: 1.6; -webkit-font-smoothing: antialiased; overflow-x: hidden; }
::selection { background: var(--green); color: var(--white); }
h1,h2,h3,h4,h5,h6 { margin: 0; font-family: var(--display); font-weight: 800; line-height: 1.1; letter-spacing: -0.025em; color: var(--ink); }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
img { display: block; max-width: 100%; height: auto; }
.container { width: 100%; max-width: 1320px; margin: 0 auto; padding: 0 28px; }
.container-narrow { width: 100%; max-width: 900px; margin: 0 auto; padding: 0 28px; }

/* TOPBAR */
.topbar { background: var(--green-deep); color: rgba(204,251,241,0.88); padding: 10px 0; font-size: 13px; font-weight: 500; position: relative; z-index: 50; }
.topbar-row { display: flex; justify-content: space-between; align-items: center; gap: 18px; flex-wrap: wrap; }
.topbar-left, .topbar-right { display: flex; align-items: center; gap: 26px; flex-wrap: wrap; }
.topbar a { display: inline-flex; align-items: center; gap: 8px; color: rgba(204,251,241,0.92); transition: color .2s; }
.topbar a:hover { color: var(--mint); }
.topbar svg { width: 14px; height: 14px; opacity: 0.7; }
.topbar .badge-live { display: inline-flex; align-items: center; gap: 7px; font-weight: 600; }
.topbar .badge-live::before { content: ""; width: 7px; height: 7px; background: var(--mint); border-radius: 50%; box-shadow: 0 0 8px var(--mint); animation: pulse-mint 2s ease-in-out infinite; }
@keyframes pulse-mint { 0%,100% { opacity: 1; transform: scale(1); } 50% { opacity: 0.5; transform: scale(1.3); } }

/* HEADER */
header { background: var(--white); padding: 18px 0; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 100; transition: padding .25s, box-shadow .25s; }
header.scrolled { padding: 12px 0; box-shadow: var(--shadow-sm); }
.nav { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.logo img { height: 64px; width: auto; max-width: 240px; object-fit: contain; }
.nav-links { display: flex; gap: 4px; flex: 1; justify-content: center; }
.nav-links a { font-size: 14.5px; font-weight: 600; color: var(--ink-soft); padding: 10px 18px; border-radius: var(--r-pill); transition: all .2s; }
.nav-links a:hover { color: var(--green); background: var(--mint-50); }
.nav-right { display: flex; align-items: center; gap: 12px; }
.nav-phone { display: inline-flex; align-items: center; gap: 9px; color: var(--ink); font-size: 14.5px; font-weight: 700; padding: 9px 16px; border-radius: var(--r-pill); transition: all .2s; }
.nav-phone:hover { background: var(--mint-50); color: var(--green); }
.nav-phone svg { width: 16px; height: 16px; color: var(--green); }
.nav-cta { display: inline-flex; align-items: center; gap: 8px; background: var(--green-deep); color: var(--white); padding: 12px 22px; font-size: 14px; font-weight: 700; border-radius: var(--r-pill); transition: all .25s cubic-bezier(0.16,1,0.3,1); }
.nav-cta:hover { background: var(--green); transform: translateY(-2px); box-shadow: var(--shadow-green); }
.nav-cta svg { width: 14px; height: 14px; transition: transform .3s; }
.nav-cta:hover svg { transform: translateX(3px); }
.menu-toggle { display: none; flex-direction: column; gap: 5px; padding: 8px; }
.menu-toggle span { width: 22px; height: 2px; background: var(--ink); border-radius: 2px; }

/* HERO */
.hero { background: var(--grad-hero); padding: 90px 0 200px; position: relative; overflow: hidden; color: var(--white); scroll-margin-top: 110px; }
.hero::before { content: ""; position: absolute; inset: 0; background-image: radial-gradient(circle at 50% 100%, rgba(94,234,212,0.18) 0%, transparent 50%), url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='60' height='60'%3E%3Cpath d='M0 30h60M30 0v60' stroke='%23ffffff' stroke-opacity='0.025' fill='none'/%3E%3C/svg%3E"); pointer-events: none; }
.hero-grid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 60px; align-items: start; position: relative; z-index: 1; }
.hero-left { padding-top: 24px; }
.hero-badge { display: inline-flex; align-items: center; gap: 10px; background: rgba(255,255,255,0.08); backdrop-filter: blur(12px); border: 1px solid rgba(94,234,212,0.30); color: var(--mint); padding: 9px 18px; border-radius: var(--r-pill); font-size: 13px; font-weight: 600; margin-bottom: 28px; }
.hero-badge .dot { width: 8px; height: 8px; background: var(--mint); border-radius: 50%; box-shadow: 0 0 12px var(--mint); animation: pulse-mint 2s ease-in-out infinite; }
.hero h1 { font-size: clamp(44px, 6.5vw, 84px); font-weight: 800; line-height: 0.98; letter-spacing: -0.04em; margin-bottom: 26px; color: var(--white); }
.hero h1 .accent-mint { background: var(--grad-accent); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; display: inline-block; }
.hero-lede { font-size: 19px; color: rgba(255,255,255,0.78); max-width: 540px; margin: 0 0 36px; line-height: 1.55; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; align-items: center; }
.hero-cta-primary { display: inline-flex; align-items: center; gap: 10px; background: var(--white); color: var(--green-deep); padding: 16px 30px; border-radius: var(--r-pill); font-size: 15px; font-weight: 700; transition: all .25s cubic-bezier(0.16,1,0.3,1); }
.hero-cta-primary:hover { transform: translateY(-2px); box-shadow: var(--shadow-mint); background: var(--mint-50); }
.hero-cta-primary svg { width: 15px; height: 15px; transition: transform .3s; }
.hero-cta-primary:hover svg { transform: translateX(4px); }
.hero-cta-ghost { display: inline-flex; align-items: center; gap: 10px; color: var(--white); padding: 16px 24px; border-radius: var(--r-pill); font-size: 15px; font-weight: 600; border: 1.5px solid rgba(255,255,255,0.25); transition: all .2s; }
.hero-cta-ghost:hover { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.40); }
.hero-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; padding-top: 44px; margin-top: 44px; border-top: 1px solid rgba(255,255,255,0.12); max-width: 560px; }
.hero-stat .val { font-size: 36px; font-weight: 800; color: var(--mint); letter-spacing: -0.03em; line-height: 1; margin-bottom: 6px; }
.hero-stat .lbl { font-size: 12.5px; color: rgba(255,255,255,0.55); font-weight: 500; letter-spacing: 0.02em; text-transform: uppercase; }

/* FORM CARD */
.form-card { background: var(--white); border-radius: var(--r-xl); box-shadow: var(--shadow-lg); overflow: hidden; position: relative; }
.form-card-top { background: var(--grad-primary); padding: 26px 32px; color: var(--white); position: relative; overflow: hidden; }
.form-card-top::before { content: ""; position: absolute; top: -80px; right: -40px; width: 240px; height: 240px; background: radial-gradient(circle, rgba(94,234,212,0.30), transparent 65%); pointer-events: none; }
.form-card-top > * { position: relative; z-index: 1; }
.form-card-no { display: inline-flex; align-items: center; gap: 7px; font-size: 11.5px; font-weight: 700; color: var(--mint); background: rgba(255,255,255,0.10); border: 1px solid rgba(94,234,212,0.30); padding: 5px 12px; border-radius: var(--r-pill); margin-bottom: 14px; letter-spacing: 0.04em; text-transform: uppercase; }
.form-card-top h2 { font-size: 26px; font-weight: 800; color: var(--white); margin: 0 0 6px; letter-spacing: -0.02em; line-height: 1.15; }
.form-card-top p { font-size: 14px; color: rgba(255,255,255,0.82); margin: 0; }
.form-card-body { padding: 28px 32px 30px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { margin-bottom: 14px; }
.form-card label, .bm-form label { display: block; font-size: 12.5px; font-weight: 700; color: var(--ink); margin-bottom: 7px; }
.form-card label .req, .bm-form label .req { color: var(--green); }
.form-card input:not([type="checkbox"]):not([type="hidden"]), .form-card select, .form-card textarea,
.bm-form input:not([type="checkbox"]):not([type="hidden"]), .bm-form select, .bm-form textarea {
  width: 100%; padding: 12px 16px; font-size: 14.5px; font-family: inherit; background: var(--bg);
  border: 1.5px solid transparent; border-radius: var(--r-sm); color: var(--ink); transition: all .2s; font-weight: 500;
}
.form-card input::placeholder, .bm-form input::placeholder { color: var(--muted-2); font-weight: 400; }
.form-card input:focus, .form-card select:focus, .form-card textarea:focus,
.bm-form input:focus, .bm-form select:focus, .bm-form textarea:focus {
  outline: none; background: var(--white); border-color: var(--green); box-shadow: 0 0 0 4px var(--mint-100);
}
.form-card .check, .bm-form .check { display: flex; gap: 12px; align-items: flex-start; margin: 14px 0 22px; font-size: 13px; color: var(--text); line-height: 1.5; }
.form-card .check input, .bm-form .check input { margin-top: 3px; flex-shrink: 0; accent-color: var(--green); width: 17px; height: 17px; cursor: pointer; }
.form-card .check a, .bm-form .check a { color: var(--green); text-decoration: underline; font-weight: 600; }
.btn-submit { width: 100%; background: var(--green-deep); color: var(--white); padding: 16px 24px; border: none; border-radius: var(--r-md); font-size: 15px; font-weight: 700; font-family: inherit; cursor: pointer; display: flex; align-items: center; justify-content: center; gap: 12px; transition: all .25s cubic-bezier(0.16,1,0.3,1); position: relative; overflow: hidden; }
.btn-submit::before { content: ""; position: absolute; inset: 0; background: var(--grad-primary); opacity: 0; transition: opacity .25s; }
.btn-submit > * { position: relative; z-index: 1; }
.btn-submit:hover::before { opacity: 1; }
.btn-submit:hover { transform: translateY(-2px); box-shadow: var(--shadow-green); }
.btn-submit:disabled { opacity: 0.55; cursor: not-allowed; transform: none; }
.btn-submit svg { width: 16px; height: 16px; transition: transform .3s; }
.btn-submit:hover svg { transform: translateX(4px); }
.form-foot { display: flex; justify-content: center; gap: 18px; margin-top: 16px; font-size: 11.5px; color: var(--muted); font-weight: 600; flex-wrap: wrap; }
.form-foot span { display: inline-flex; align-items: center; gap: 6px; }
.form-foot svg { width: 13px; height: 13px; color: var(--green-3); }
.form-msg { margin-top: 12px; padding: 12px 16px; border-radius: var(--r-sm); font-size: 13.5px; display: none; font-weight: 500; }
.form-msg.show { display: block; }
.form-msg.error { background: var(--error-soft); color: var(--error); border-left: 3px solid var(--error); }

/* SECTIONS */
.section-head { text-align: center; max-width: 760px; margin: 0 auto 64px; }
.section-head .eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--green); background: var(--mint-50); border: 1px solid var(--line-mint); padding: 7px 16px; border-radius: var(--r-pill); margin-bottom: 22px; }
.section-head h2 { font-size: clamp(34px, 5vw, 56px); font-weight: 800; letter-spacing: -0.035em; line-height: 1.05; margin-bottom: 20px; }
.section-head h2 .accent { background: var(--grad-primary); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.section-head p { font-size: 18px; color: var(--text); line-height: 1.6; margin: 0 auto; max-width: 580px; }

/* BANK LIST */
.banks-section { padding: 100px 0 110px; background: var(--cream); }
.bank-list { display: flex; flex-direction: column; gap: 18px; max-width: 1180px; margin: 0 auto; }
.bank-card { background: var(--white); border-radius: var(--r-xl); padding: 32px 36px; display: grid; grid-template-columns: 1.25fr 1.35fr auto; gap: 40px; align-items: center; transition: all .35s cubic-bezier(0.16,1,0.3,1); border: 1px solid var(--line); position: relative; overflow: hidden; }
.bank-card::before { content: ""; position: absolute; top: 0; left: 0; width: 4px; height: 100%; background: var(--grad-primary); transform: scaleY(0); transform-origin: top; transition: transform .35s cubic-bezier(0.16,1,0.3,1); }
.bank-card:hover { border-color: transparent; transform: translateY(-4px); box-shadow: var(--shadow-md); }
.bank-card:hover::before { transform: scaleY(1); }
.bank-card:nth-child(even) { background: linear-gradient(135deg, var(--white) 0%, var(--mint-50) 100%); }
.bc-identity { display: flex; align-items: center; gap: 20px; min-width: 0; }
.bc-logo { width: 72px; height: 72px; background: var(--white); border: 1px solid var(--line); border-radius: var(--r-md); display: grid; place-items: center; flex-shrink: 0; overflow: hidden; box-shadow: var(--shadow-xs); }
.bc-logo img { max-width: 50px; max-height: 50px; object-fit: contain; }
.bc-logo.no-logo { background: var(--grad-primary); border: none; color: var(--white); font-size: 28px; font-weight: 800; }
.bc-text { min-width: 0; flex: 1; }
.bc-name { font-size: 22px; font-weight: 800; color: var(--ink); margin-bottom: 8px; line-height: 1.15; letter-spacing: -0.02em; }
.bc-rating { display: flex; align-items: center; gap: 10px; font-size: 13px; color: var(--muted); font-weight: 500; margin-bottom: 8px; }
.bc-stars { color: var(--warn); letter-spacing: 1.5px; font-size: 14px; }
.bc-badge { display: inline-flex; align-items: center; gap: 6px; padding: 4px 10px; background: var(--mint-100); color: var(--green-dark); border-radius: var(--r-sm); font-size: 11px; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase; }
.bc-metrics { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
.bc-metric .lbl { font-size: 11px; font-weight: 700; color: var(--muted); letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 6px; }
.bc-metric .val { font-size: 18px; font-weight: 800; color: var(--ink); line-height: 1; font-variant-numeric: tabular-nums; }
.bc-metric.primary .val { background: var(--grad-primary); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; font-size: 30px; letter-spacing: -0.03em; }
.bc-cta { background: var(--green-deep); color: var(--white); padding: 14px 26px; border-radius: var(--r-pill); font-size: 14px; font-weight: 700; display: inline-flex; align-items: center; gap: 9px; border: none; cursor: pointer; transition: all .25s cubic-bezier(0.16,1,0.3,1); white-space: nowrap; }
.bc-cta:hover { background: var(--green); transform: translateY(-2px); box-shadow: var(--shadow-green); }
.bc-cta svg { width: 14px; height: 14px; transition: transform .3s; }
.bc-cta:hover svg { transform: translateX(3px); }
.bc-info-strip { grid-column: 1 / -1; display: flex; flex-wrap: wrap; gap: 22px; padding-top: 18px; border-top: 1px dashed var(--line); }
.bc-info-item { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; color: var(--text); font-weight: 500; }
.bc-info-item svg { width: 14px; height: 14px; color: var(--green-3); flex-shrink: 0; }

/* TRUST BAR */
.trust-bar { background: var(--white); padding: 36px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; align-items: center; }
.tg-item { display: flex; align-items: center; gap: 16px; }
.tg-ico { width: 52px; height: 52px; background: var(--mint-50); border-radius: var(--r-md); display: grid; place-items: center; color: var(--green); flex-shrink: 0; }
.tg-ico svg { width: 22px; height: 22px; }
.tg-val { font-size: 22px; font-weight: 800; color: var(--ink); line-height: 1; margin-bottom: 5px; letter-spacing: -0.02em; }
.tg-lbl { font-size: 13px; color: var(--muted); font-weight: 500; }

/* CALCULATOR */
.calc-section { padding: 110px 0; background: var(--green-deep); color: var(--white); position: relative; overflow: hidden; }
.calc-section::before { content: ""; position: absolute; inset: 0; background-image: radial-gradient(ellipse at 10% 20%, rgba(94,234,212,0.15) 0%, transparent 45%), radial-gradient(ellipse at 90% 80%, rgba(56,189,248,0.12) 0%, transparent 45%); pointer-events: none; }
.calc-section .container { position: relative; z-index: 1; }
.calc-section .section-head h2 { color: var(--white); }
.calc-section .section-head h2 .accent { background: var(--grad-accent); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.calc-section .section-head p { color: rgba(255,255,255,0.72); }
.calc-section .section-head .eyebrow { background: rgba(94,234,212,0.10); border-color: rgba(94,234,212,0.25); color: var(--mint); }
.calc-shell { background: rgba(255,255,255,0.04); backdrop-filter: blur(16px); border: 1px solid rgba(255,255,255,0.10); border-radius: var(--r-xl); overflow: hidden; display: grid; grid-template-columns: 1fr 1fr; }
.calc-controls { padding: 48px 44px 38px; }
.calc-step { display: inline-flex; align-items: center; gap: 8px; background: rgba(94,234,212,0.10); border: 1px solid rgba(94,234,212,0.25); color: var(--mint); padding: 6px 14px; border-radius: var(--r-pill); font-size: 11.5px; font-weight: 700; letter-spacing: 0.06em; margin-bottom: 18px; text-transform: uppercase; }
.calc-controls h3 { font-size: 30px; font-weight: 800; letter-spacing: -0.025em; margin-bottom: 36px; color: var(--white); }
.cs-slot { margin-bottom: 28px; }
.cs-slot:last-of-type { margin-bottom: 0; }
.cs-label { font-size: 12px; font-weight: 600; color: rgba(255,255,255,0.55); margin-bottom: 8px; letter-spacing: 0.06em; text-transform: uppercase; }
.cs-val { font-size: 36px; font-weight: 800; color: var(--mint); letter-spacing: -0.03em; margin-bottom: 16px; line-height: 1; font-variant-numeric: tabular-nums; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 5px; background: linear-gradient(90deg, var(--mint) 0%, var(--mint) var(--filled, 50%), rgba(255,255,255,0.15) var(--filled, 50%)); border-radius: 999px; outline: none; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 24px; height: 24px; background: var(--mint); border: 4px solid var(--white); border-radius: 50%; cursor: pointer; transition: transform .15s; box-shadow: 0 0 16px rgba(94,234,212,0.65); }
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
input[type="range"]::-moz-range-thumb { width: 24px; height: 24px; background: var(--mint); border: 4px solid var(--white); border-radius: 50%; cursor: pointer; }
.cs-bounds { display: flex; justify-content: space-between; font-size: 11.5px; color: rgba(255,255,255,0.45); margin-top: 12px; font-variant-numeric: tabular-nums; font-weight: 500; }
.calc-result-side { background: var(--grad-primary); padding: 56px 44px; display: flex; flex-direction: column; justify-content: center; position: relative; overflow: hidden; }
.calc-result-side::before { content: ""; position: absolute; top: -80px; right: -80px; width: 380px; height: 380px; background: radial-gradient(circle, rgba(94,234,212,0.30), transparent 65%); pointer-events: none; }
.calc-result-side > * { position: relative; z-index: 1; }
.cr-eyebrow { font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--mint); margin-bottom: 22px; }
.cr-final { font-size: clamp(60px, 9.5vw, 104px); font-weight: 800; color: var(--white); line-height: 0.92; letter-spacing: -0.045em; font-variant-numeric: tabular-nums; margin-bottom: 18px; display: flex; align-items: baseline; gap: 4px; }
.cr-final .euro { opacity: 0.55; font-weight: 400; font-size: 0.42em; }
.cr-sub { font-size: 16px; color: rgba(255,255,255,0.82); margin: 0 0 30px; font-weight: 500; }
.cr-sub strong { color: var(--mint); font-weight: 800; }
.cr-breakdown { display: grid; grid-template-columns: 1fr 1fr; gap: 22px 28px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,0.18); }
.crb-lbl { font-size: 11px; font-weight: 700; color: rgba(255,255,255,0.55); letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 8px; }
.crb-val { font-size: 22px; font-weight: 800; color: var(--white); letter-spacing: -0.025em; font-variant-numeric: tabular-nums; }
.calc-actions { grid-column: 1 / -1; padding: 26px 44px; background: rgba(0,0,0,0.18); border-top: 1px solid rgba(255,255,255,0.08); display: flex; justify-content: space-between; align-items: center; gap: 22px; flex-wrap: wrap; }
.calc-quick { display: flex; gap: 7px; align-items: center; flex-wrap: wrap; }
.cq-label { font-size: 11px; font-weight: 700; color: rgba(255,255,255,0.55); margin-right: 6px; letter-spacing: 0.08em; text-transform: uppercase; }
.qs { padding: 8px 14px; background: rgba(255,255,255,0.06); border: 1.5px solid rgba(255,255,255,0.12); border-radius: var(--r-pill); color: rgba(255,255,255,0.78); font-size: 12.5px; font-weight: 600; cursor: pointer; transition: all .2s; white-space: nowrap; font-family: inherit; }
.qs:hover { background: rgba(94,234,212,0.10); border-color: var(--mint); color: var(--mint); }
.qs.selected { background: var(--mint); color: var(--green-deep); border-color: var(--mint); }
.calc-cta { display: inline-flex; align-items: center; gap: 10px; background: var(--mint); color: var(--green-deep); padding: 13px 24px; border-radius: var(--r-pill); font-size: 13.5px; font-weight: 700; border: none; transition: all .25s; white-space: nowrap; cursor: pointer; }
.calc-cta:hover { background: var(--white); transform: translateY(-2px); box-shadow: var(--shadow-mint); }
.calc-cta svg { width: 14px; height: 14px; transition: transform .3s; }
.calc-cta:hover svg { transform: translateX(3px); }

/* FEATURES */
.features-section { padding: 110px 0; background: var(--cream); }
.features-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.feature { background: var(--white); border-radius: var(--r-lg); padding: 36px 30px; border: 1px solid var(--line); transition: all .35s cubic-bezier(0.16,1,0.3,1); position: relative; overflow: hidden; }
.feature::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--grad-primary); transform: scaleX(0); transform-origin: left; transition: transform .35s cubic-bezier(0.16,1,0.3,1); }
.feature:hover { border-color: transparent; transform: translateY(-6px); box-shadow: var(--shadow-md); }
.feature:hover::before { transform: scaleX(1); }
.f-icon { width: 60px; height: 60px; background: var(--mint-50); border-radius: var(--r-md); display: grid; place-items: center; color: var(--green); margin-bottom: 24px; transition: all .35s; }
.feature:hover .f-icon { background: var(--grad-primary); color: var(--white); transform: scale(1.05); }
.f-icon svg { width: 28px; height: 28px; }
.feature h3 { font-size: 20px; font-weight: 800; margin-bottom: 12px; letter-spacing: -0.02em; line-height: 1.2; }
.feature p { font-size: 15px; color: var(--text); line-height: 1.6; margin: 0; }

/* PROCESS */
.process-section { padding: 110px 0; background: var(--white); }
.process-timeline { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; }
.process-timeline::before { content: ""; position: absolute; top: 38px; left: 12%; right: 12%; height: 2px; background: linear-gradient(90deg, var(--mint) 0%, var(--green) 50%, var(--blue-3) 100%); opacity: 0.4; z-index: 0; }
.process-step { text-align: center; position: relative; z-index: 1; }
.ps-num { display: inline-grid; place-items: center; width: 76px; height: 76px; background: var(--white); border: 2px solid var(--mint); color: var(--green-deep); border-radius: 50%; font-size: 28px; font-weight: 800; margin-bottom: 24px; position: relative; transition: all .3s; letter-spacing: -0.02em; }
.ps-num::before { content: ""; position: absolute; inset: -10px; border: 2px dashed var(--line-mint); border-radius: 50%; opacity: 0.5; }
.process-step:hover .ps-num { background: var(--grad-primary); border-color: transparent; color: var(--white); transform: scale(1.08); }
.process-step h4 { font-size: 19px; color: var(--ink); margin-bottom: 12px; font-weight: 800; }
.process-step p { font-size: 14.5px; color: var(--text); line-height: 1.6; margin: 0 auto; max-width: 240px; }

/* ABOUT */
.about-section { padding: 110px 0; background: var(--mint-50); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.about-left .eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--green); background: var(--white); border: 1px solid var(--line-mint); padding: 7px 16px; border-radius: var(--r-pill); margin-bottom: 22px; }
.about-left h2 { font-size: clamp(32px, 4.5vw, 48px); font-weight: 800; letter-spacing: -0.03em; line-height: 1.08; margin-bottom: 22px; }
.about-left h2 .accent { background: var(--grad-primary); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.about-left p { font-size: 17px; color: var(--text); line-height: 1.7; margin-bottom: 20px; }
.about-bullets { list-style: none; padding: 0; margin: 26px 0 32px; }
.about-bullets li { display: flex; gap: 14px; align-items: flex-start; padding: 14px 0; font-size: 15px; color: var(--ink); font-weight: 600; border-top: 1px solid var(--line-mint); }
.about-bullets li:first-child { border-top: none; }
.about-bullets li svg { width: 22px; height: 22px; color: var(--green); flex-shrink: 0; margin-top: 1px; }
.about-right { background: var(--grad-hero); border-radius: var(--r-xl); padding: 50px 44px; color: var(--white); position: relative; overflow: hidden; box-shadow: var(--shadow-md); }
.about-right::before { content: ""; position: absolute; top: -100px; right: -100px; width: 400px; height: 400px; background: radial-gradient(circle, rgba(94,234,212,0.30), transparent 65%); pointer-events: none; }
.about-right > * { position: relative; z-index: 1; }
.about-quote { font-size: 22px; font-weight: 600; line-height: 1.45; letter-spacing: -0.015em; color: var(--white); margin: 0 0 30px; }
.about-quote::before { content: ""; display: block; width: 36px; height: 3px; background: var(--mint); margin-bottom: 22px; border-radius: 2px; }
.about-author { display: flex; align-items: center; gap: 14px; }
.about-author-avatar { width: 52px; height: 52px; background: var(--mint); color: var(--green-deep); border-radius: 50%; display: grid; place-items: center; font-weight: 800; font-size: 18px; }
.about-author-name { font-weight: 700; font-size: 15px; color: var(--white); }
.about-author-role { font-size: 13px; color: rgba(255,255,255,0.65); margin-top: 2px; }

/* BLOG */
.blog-section { padding: 110px 0; background: var(--white); }
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.blog-card { background: var(--white); border-radius: var(--r-lg); overflow: hidden; border: 1px solid var(--line); transition: all .35s cubic-bezier(0.16,1,0.3,1); display: flex; flex-direction: column; }
.blog-card:hover { border-color: transparent; transform: translateY(-6px); box-shadow: var(--shadow-md); }
.blog-thumb { height: 220px; position: relative; overflow: hidden; background: var(--mint-50); }
.blog-thumb svg { width: 100%; height: 100%; transition: transform .6s cubic-bezier(0.16,1,0.3,1); }
.blog-card:hover .blog-thumb svg { transform: scale(1.06); }
.blog-tag { position: absolute; top: 16px; left: 16px; background: var(--white); color: var(--green); padding: 6px 13px; border-radius: var(--r-pill); font-size: 11px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; z-index: 2; box-shadow: var(--shadow-xs); }
.blog-body { padding: 28px 28px 30px; display: flex; flex-direction: column; flex: 1; }
.blog-meta { display: flex; align-items: center; gap: 10px; font-size: 12.5px; color: var(--muted); margin-bottom: 12px; font-weight: 600; }
.blog-meta .dot { width: 3px; height: 3px; background: var(--line-2); border-radius: 50%; }
.blog-title { font-size: 20px; font-weight: 800; letter-spacing: -0.02em; margin-bottom: 12px; line-height: 1.25; transition: color .25s; }
.blog-card:hover .blog-title { color: var(--green); }
.blog-excerpt { font-size: 15px; color: var(--text); line-height: 1.6; margin-bottom: 22px; flex: 1; }
.blog-link { display: inline-flex; align-items: center; gap: 9px; font-size: 13.5px; font-weight: 700; color: var(--green); align-self: flex-start; transition: gap .25s; }
.blog-link:hover { gap: 14px; }
.blog-link svg { width: 14px; height: 14px; }

/* REVIEWS */
.reviews-section { padding: 110px 0; background: var(--cream); }
.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.review-card { background: var(--white); border-radius: var(--r-lg); padding: 32px 30px; border: 1px solid var(--line); transition: all .35s cubic-bezier(0.16,1,0.3,1); display: flex; flex-direction: column; }
.review-card:hover { border-color: transparent; transform: translateY(-4px); box-shadow: var(--shadow); }
.rv-stars { color: var(--warn); letter-spacing: 2px; font-size: 17px; margin-bottom: 16px; }
.rv-quote { font-size: 15.5px; color: var(--text); line-height: 1.65; margin: 0 0 24px; flex: 1; font-weight: 500; }
.rv-author { display: flex; align-items: center; gap: 14px; padding-top: 20px; border-top: 1px solid var(--line); }
.rv-avatar { width: 48px; height: 48px; background: var(--grad-primary); color: var(--white); border-radius: 50%; display: grid; place-items: center; font-weight: 800; font-size: 16px; flex-shrink: 0; }
.rv-info .name { font-weight: 800; font-size: 15px; color: var(--ink); }
.rv-info .role { font-size: 12.5px; color: var(--muted); margin-top: 2px; font-weight: 500; }

/* FAQ */
.faq-section { padding: 110px 0; background: var(--white); }
.faq-grid { display: grid; grid-template-columns: 1fr 1.5fr; gap: 60px; align-items: start; }
.faq-aside { position: sticky; top: 120px; }
.faq-aside .eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--green); background: var(--mint-50); border: 1px solid var(--line-mint); padding: 7px 16px; border-radius: var(--r-pill); margin-bottom: 22px; }
.faq-aside h2 { font-size: 40px; font-weight: 800; letter-spacing: -0.03em; line-height: 1.1; margin-bottom: 18px; }
.faq-aside h2 .accent { background: var(--grad-primary); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.faq-aside p { font-size: 16px; color: var(--text); line-height: 1.65; margin-bottom: 24px; }
.faq-contact { background: var(--mint-50); border: 1px solid var(--line-mint); border-radius: var(--r-md); padding: 22px 24px; }
.faq-contact-lbl { font-size: 12px; font-weight: 700; color: var(--green); letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 6px; }
.faq-contact-phone { display: block; font-size: 22px; font-weight: 800; color: var(--ink); letter-spacing: -0.02em; margin-bottom: 4px; }
.faq-contact-hours { font-size: 13px; color: var(--muted); font-weight: 500; }
details { background: var(--white); border: 1.5px solid var(--line); border-radius: var(--r-md); margin-bottom: 12px; transition: all .25s; overflow: hidden; }
details[open] { border-color: var(--green); box-shadow: var(--shadow-sm); }
summary { display: flex; justify-content: space-between; align-items: center; padding: 22px 26px; cursor: pointer; list-style: none; font-size: 16.5px; font-weight: 700; color: var(--ink); gap: 16px; }
summary::-webkit-details-marker { display: none; }
summary .faq-num { font-size: 14px; color: var(--green); flex-shrink: 0; font-weight: 800; }
details[open] summary { color: var(--green); }
summary .plus { width: 34px; height: 34px; border-radius: 50%; background: var(--mint-50); border: 1.5px solid var(--line-mint); display: grid; place-items: center; color: var(--green); font-size: 18px; flex-shrink: 0; transition: all .3s cubic-bezier(0.16,1,0.3,1); margin-left: auto; }
details[open] summary .plus { background: var(--grad-primary); border-color: transparent; color: var(--white); transform: rotate(45deg); }
details > div { padding: 0 26px 24px; color: var(--text); font-size: 15px; line-height: 1.7; }
details > div p { margin: 0 0 10px; }
details > div strong { color: var(--green); font-weight: 700; }

/* CTA */
.cta-section { padding: 110px 0; background: var(--white); }
.cta-card { background: var(--grad-hero); border-radius: var(--r-2xl); padding: 80px 64px; color: var(--white); position: relative; overflow: hidden; display: grid; grid-template-columns: 1.5fr auto; align-items: center; gap: 50px; }
.cta-card::before { content: ""; position: absolute; top: -200px; right: -100px; width: 600px; height: 600px; background: radial-gradient(circle, rgba(94,234,212,0.25), transparent 65%); pointer-events: none; }
.cta-card::after { content: ""; position: absolute; bottom: -150px; left: -100px; width: 400px; height: 400px; background: radial-gradient(circle, rgba(56,189,248,0.18), transparent 65%); pointer-events: none; }
.cta-card > * { position: relative; z-index: 1; }
.cta-card .eyebrow { display: inline-flex; align-items: center; gap: 8px; background: rgba(94,234,212,0.14); border: 1px solid rgba(94,234,212,0.32); color: var(--mint); padding: 7px 16px; border-radius: var(--r-pill); font-size: 11.5px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 22px; }
.cta-card h2 { font-size: clamp(36px, 5vw, 56px); color: var(--white); font-weight: 800; letter-spacing: -0.035em; line-height: 1.05; margin-bottom: 20px; }
.cta-card h2 .accent { background: var(--grad-accent); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.cta-card p { font-size: 18px; color: rgba(255,255,255,0.78); margin: 0; line-height: 1.55; max-width: 560px; }
.btn-mint { display: inline-flex; align-items: center; gap: 11px; background: var(--mint); color: var(--green-deep); padding: 18px 36px; border-radius: var(--r-pill); font-size: 15px; font-weight: 800; transition: all .25s cubic-bezier(0.16,1,0.3,1); white-space: nowrap; border: none; }
.btn-mint:hover { background: var(--white); transform: translateY(-3px); box-shadow: var(--shadow-mint); }
.btn-mint svg { width: 16px; height: 16px; transition: transform .3s; }
.btn-mint:hover svg { transform: translateX(4px); }

/* FOOTER */
footer { background: var(--green-deep); color: rgba(255,255,255,0.65); padding: 80px 0 32px; position: relative; overflow: hidden; }
footer::before { content: ""; position: absolute; top: -100px; left: -100px; width: 500px; height: 500px; background: radial-gradient(circle, rgba(94,234,212,0.10), transparent 65%); pointer-events: none; }
footer .container { position: relative; z-index: 1; }
.footer-row { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 52px; }
.footer-brand img { height: 72px; width: auto; max-width: 200px; object-fit: contain; }
.footer-brand p { font-size: 14.5px; line-height: 1.7; color: rgba(255,255,255,0.55); margin: 22px 0 26px; max-width: 360px; }
.footer-social { display: flex; gap: 10px; }
.footer-social a { width: 42px; height: 42px; background: rgba(255,255,255,0.06); border-radius: var(--r-md); display: grid; place-items: center; color: rgba(255,255,255,0.7); transition: all .3s cubic-bezier(0.16,1,0.3,1); }
.footer-social a:hover { background: var(--mint); color: var(--green-deep); transform: translateY(-3px); }
.footer-social svg { width: 17px; height: 17px; }
footer h4 { font-size: 15.5px; font-weight: 800; color: var(--white); margin-bottom: 22px; letter-spacing: -0.01em; }
footer ul { list-style: none; padding: 0; margin: 0; }
footer li { margin-bottom: 12px; font-size: 14px; display: flex; align-items: flex-start; gap: 11px; line-height: 1.55; }
footer li svg { width: 14px; height: 14px; color: var(--mint); flex-shrink: 0; margin-top: 4px; }
footer a { color: rgba(255,255,255,0.65); transition: color .2s; }
footer a:hover { color: var(--mint); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.10); padding-top: 24px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 14px; font-size: 13px; color: rgba(255,255,255,0.45); }

/* BANK MODAL */
.bank-modal { display: none; position: fixed; inset: 0; background: rgba(6,30,24,0.78); z-index: 1100; padding: 20px; backdrop-filter: blur(10px); overflow-y: auto; align-items: flex-start; justify-content: center; }
.bank-modal.show { display: flex; animation: bm-fade .3s ease; }
@keyframes bm-fade { from { opacity: 0; } to { opacity: 1; } }
.bm-card { background: var(--white); max-width: 580px; width: 100%; border-radius: var(--r-xl); margin: auto; position: relative; box-shadow: var(--shadow-lg); animation: bm-pop .4s cubic-bezier(0.16,1,0.3,1); overflow: hidden; }
@keyframes bm-pop { from { transform: translateY(24px) scale(0.95); opacity: 0; } to { transform: translateY(0) scale(1); opacity: 1; } }
.bm-card .form-card-top { padding: 26px 32px; }
.bm-card .form-card-body { padding: 26px 32px 30px; }
.bm-close { position: absolute; top: 16px; right: 16px; width: 38px; height: 38px; background: rgba(255,255,255,0.16); border-radius: 50%; display: grid; place-items: center; cursor: pointer; color: var(--white); font-size: 22px; transition: all .3s; z-index: 2; line-height: 1; }
.bm-close:hover { background: var(--white); color: var(--green); transform: rotate(90deg); }
.bm-bank-badge { display: inline-flex; align-items: center; gap: 8px; padding: 6px 14px; background: rgba(94,234,212,0.16); border: 1px solid rgba(94,234,212,0.30); border-radius: var(--r-pill); font-size: 11.5px; font-weight: 700; color: var(--mint); margin-bottom: 14px; letter-spacing: 0.04em; text-transform: uppercase; }
.bm-bank-name { color: var(--white); font-weight: 800; }
.bm-card h3 { font-size: 26px; font-weight: 800; color: var(--white); margin-bottom: 6px; letter-spacing: -0.02em; }
.bm-intro { font-size: 14px; color: rgba(255,255,255,0.78); margin: 0; line-height: 1.5; }

/* DANKE */
.danke-page { padding: 110px 0 130px; background: var(--grad-hero); color: var(--white); position: relative; overflow: hidden; min-height: 75vh; display: flex; align-items: center; }
.danke-page::before { content: ""; position: absolute; inset: 0; background-image: radial-gradient(ellipse at 50% 50%, rgba(94,234,212,0.18) 0%, transparent 60%); pointer-events: none; }
.danke-wrap { max-width: 720px; margin: 0 auto; text-align: center; position: relative; z-index: 2; }
.danke-icon { width: 120px; height: 120px; margin: 0 auto 36px; background: var(--grad-accent); border-radius: 50%; display: grid; place-items: center; color: var(--green-deep); position: relative; animation: scaleIn .55s cubic-bezier(0.16,1,0.3,1); box-shadow: var(--shadow-mint); }
.danke-icon svg { width: 56px; height: 56px; }
.danke-icon::before { content: ""; position: absolute; inset: -14px; border: 3px solid var(--mint); border-radius: 50%; opacity: 0.5; animation: ringExpand 2s ease-out infinite; }
@keyframes scaleIn { from { transform: scale(0); opacity: 0; } to { transform: scale(1); opacity: 1; } }
@keyframes ringExpand { 0% { transform: scale(1); opacity: 0.5; } 100% { transform: scale(1.5); opacity: 0; } }
.danke-page h1 { font-size: clamp(40px, 5.5vw, 64px); font-weight: 800; margin-bottom: 18px; letter-spacing: -0.035em; line-height: 1.05; color: var(--white); }
.danke-page h1 .accent { background: var(--grad-accent); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.danke-wrap > p { font-size: 18px; color: rgba(255,255,255,0.78); max-width: 520px; margin: 0 auto 30px; line-height: 1.6; }
.danke-ref { display: inline-block; margin-top: 6px; padding: 7px 16px; background: rgba(94,234,212,0.14); border: 1px solid rgba(94,234,212,0.30); color: var(--mint); border-radius: var(--r-pill); font-size: 13px; font-weight: 700; }
.danke-card { background: rgba(255,255,255,0.06); backdrop-filter: blur(16px); border: 1px solid rgba(255,255,255,0.10); border-radius: var(--r-lg); padding: 36px 40px; text-align: left; margin: 42px 0 32px; }
.danke-card h3 { font-size: 20px; font-weight: 800; text-align: center; margin-bottom: 24px; color: var(--white); }
.danke-steps { list-style: none; margin: 0; padding: 0; }
.danke-steps li { display: flex; gap: 16px; align-items: flex-start; padding: 14px 0; font-size: 14.5px; color: rgba(255,255,255,0.78); line-height: 1.55; }
.danke-steps li + li { border-top: 1px solid rgba(255,255,255,0.10); }
.danke-steps .step-num { width: 36px; height: 36px; background: var(--mint); color: var(--green-deep); border-radius: var(--r-sm); display: grid; place-items: center; font-weight: 800; font-size: 15px; flex-shrink: 0; }
.danke-steps strong { color: var(--white); font-weight: 700; }
.danke-back { display: inline-flex; align-items: center; gap: 12px; background: var(--mint); color: var(--green-deep); padding: 15px 30px; border-radius: var(--r-pill); font-size: 14.5px; font-weight: 700; transition: all .25s cubic-bezier(0.16,1,0.3,1); }
.danke-back:hover { background: var(--white); transform: translateY(-2px); box-shadow: var(--shadow-mint); }
.danke-back svg { width: 14px; height: 14px; transition: transform .3s; }
.danke-back:hover svg { transform: translateX(-4px); }

/* LEGAL */
.legal-page { padding: 70px 0 100px; background: var(--white); }
.legal-page h1 { font-size: clamp(38px, 5vw, 56px); font-weight: 800; margin-bottom: 32px; letter-spacing: -0.035em; line-height: 1.05; }
.legal-page h2 { font-size: 26px; font-weight: 800; margin: 44px 0 16px; letter-spacing: -0.02em; line-height: 1.2; }
.legal-page h3 { font-size: 17px; margin: 24px 0 10px; color: var(--green); font-weight: 800; }
.legal-page p, .legal-page li { font-size: 15.5px; color: var(--text); line-height: 1.75; }
.legal-page ul, .legal-page ol { padding-left: 22px; }
.legal-page a { color: var(--green); text-decoration: underline; font-weight: 600; }
.legal-page strong { color: var(--ink); font-weight: 700; }
.info-block { background: var(--mint-50); border-left: 3px solid var(--green); border-radius: var(--r-sm); padding: 20px 24px; margin: 24px 0; }
.info-block p { margin: 4px 0; }

/* ARTICLE DETAIL */
.article-page { padding: 56px 0 90px; background: var(--white); }
.article-back { display: inline-flex; align-items: center; gap: 9px; padding: 9px 16px; background: var(--mint-50); border: 1px solid var(--line-mint); border-radius: var(--r-pill); font-size: 13px; font-weight: 700; color: var(--green); margin-bottom: 44px; transition: all .25s; }
.article-back:hover { background: var(--green); color: var(--white); border-color: var(--green); transform: translateY(-1px); }
.article-back svg { width: 13px; height: 13px; transition: transform .3s; }
.article-back:hover svg { transform: translateX(-3px); }
.article-hero { max-width: 820px; margin: 0 auto 48px; text-align: center; }
.article-tag { display: inline-block; padding: 7px 16px; background: var(--mint-50); border: 1px solid var(--line-mint); color: var(--green); border-radius: var(--r-pill); font-size: 11.5px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 24px; }
.article-hero h1 { font-size: clamp(36px, 5.2vw, 56px); font-weight: 800; margin-bottom: 24px; letter-spacing: -0.035em; line-height: 1.08; }
.article-meta { display: inline-flex; align-items: center; gap: 16px; color: var(--muted); font-size: 13px; font-weight: 600; }
.article-meta .dot { width: 4px; height: 4px; background: var(--line-2); border-radius: 50%; }
.article-hero-thumb { max-width: 1080px; margin: 0 auto 64px; height: clamp(260px, 40vw, 440px); border-radius: var(--r-xl); overflow: hidden; background: var(--mint-50); }
.article-hero-thumb svg { width: 100%; height: 100%; }
.article-body { max-width: 740px; margin: 0 auto; font-size: 17px; line-height: 1.78; color: var(--text); }
.article-body h2 { font-size: 30px; font-weight: 800; margin: 52px 0 16px; letter-spacing: -0.025em; line-height: 1.15; }
.article-body h3 { font-size: 21px; font-weight: 800; margin: 36px 0 12px; color: var(--green); letter-spacing: -0.015em; }
.article-body p { margin: 0 0 20px; }
.article-body strong { color: var(--ink); font-weight: 700; }
.article-body a { color: var(--green); text-decoration: underline; font-weight: 600; }
.article-body ul, .article-body ol { margin: 0 0 24px; padding-left: 24px; }
.article-body li { margin-bottom: 10px; }
.article-body ul li::marker { color: var(--green); }
.article-body blockquote { margin: 36px 0; padding: 26px 30px; background: var(--mint-50); border-left: 4px solid var(--green); border-radius: var(--r-md); font-size: 18px; font-weight: 600; color: var(--ink); line-height: 1.55; }
.article-body blockquote p:last-child { margin-bottom: 0; }
.article-cta { max-width: 740px; margin: 64px auto 0; background: var(--grad-hero); border-radius: var(--r-xl); padding: 50px 44px; color: var(--white); text-align: center; position: relative; overflow: hidden; }
.article-cta::before { content: ""; position: absolute; top: -100px; right: -50px; width: 350px; height: 350px; background: radial-gradient(circle, rgba(94,234,212,0.24), transparent 65%); pointer-events: none; }
.article-cta > * { position: relative; z-index: 1; }
.article-cta h3 { font-size: 30px; color: var(--white); margin-bottom: 14px; font-weight: 800; letter-spacing: -0.025em; line-height: 1.12; }
.article-cta p { font-size: 16px; color: rgba(255,255,255,0.78); margin: 0 auto 26px; max-width: 480px; }
.btn-on-dark { display: inline-flex; align-items: center; gap: 10px; background: var(--mint); color: var(--green-deep); padding: 14px 30px; border-radius: var(--r-pill); font-size: 14.5px; font-weight: 800; transition: all .25s cubic-bezier(0.16,1,0.3,1); }
.btn-on-dark:hover { background: var(--white); transform: translateY(-2px); box-shadow: var(--shadow-mint); }
.btn-on-dark svg { width: 14px; height: 14px; transition: transform .3s; }
.btn-on-dark:hover svg { transform: translateX(3px); }
.related-section { background: var(--cream); padding: 80px 0; }
.related-section h3 { font-size: 32px; font-weight: 800; margin-bottom: 36px; letter-spacing: -0.025em; text-align: center; }

/* REVEAL */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .8s ease, transform .8s cubic-bezier(0.16,1,0.3,1); }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* RESPONSIVE */
@media (max-width: 1180px) { .nav-links a { padding: 9px 14px; font-size: 13.5px; } .nav-phone span { display: none; } .features-grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 56px; } .hero { padding: 64px 0 120px; }
  .nav-links { display: none; } .menu-toggle { display: flex; }
  .blog-grid, .reviews-grid { grid-template-columns: repeat(2,1fr); }
  .process-timeline { grid-template-columns: repeat(2,1fr); gap: 40px; } .process-timeline::before { display: none; }
  .trust-grid { grid-template-columns: repeat(2,1fr); }
  .bank-card { grid-template-columns: 1fr; gap: 22px; padding: 28px 30px; } .bc-cta { justify-self: start; }
  .calc-shell { grid-template-columns: 1fr; }
  .calc-actions { flex-direction: column; align-items: stretch; } .calc-quick { justify-content: center; } .calc-cta { justify-content: center; }
  .cta-card { grid-template-columns: 1fr; text-align: center; padding: 56px 40px; }
  .cta-card p { margin: 0 auto; } .cta-card .btn-mint { justify-self: center; }
  .about-grid { grid-template-columns: 1fr; gap: 48px; }
  .faq-grid { grid-template-columns: 1fr; gap: 40px; } .faq-aside { position: static; }
}
@media (max-width: 700px) {
  .container, .container-narrow { padding: 0 20px; }
  .hero { padding: 44px 0 80px; } .hero-stats { grid-template-columns: 1fr 1fr; gap: 18px; max-width: 100%; }
  .form-card-top, .form-card-body { padding-left: 24px; padding-right: 24px; }
  .features-grid, .blog-grid, .reviews-grid { grid-template-columns: 1fr; }
  .process-timeline { grid-template-columns: 1fr; gap: 32px; }
  .trust-grid { grid-template-columns: 1fr 1fr; gap: 24px; }
  .footer-row { grid-template-columns: 1fr 1fr; gap: 32px; } .footer-row > div:first-child { grid-column: 1/-1; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .form-row { grid-template-columns: 1fr; gap: 0; } .form-row .field { margin-bottom: 12px; }
  .calc-controls { padding: 32px 26px; } .calc-result-side { padding: 42px 26px; } .calc-actions { padding: 24px 26px; }
  .bank-card { padding: 24px 22px; } .bc-name { font-size: 19px; } .bc-metrics { grid-template-columns: repeat(2,1fr); gap: 14px; } .bc-metric.primary .val { font-size: 24px; }
  .nav-cta { padding: 10px 16px; font-size: 13px; }
  .article-body { font-size: 16px; } .article-body h2 { font-size: 26px; }
  .topbar-row { font-size: 12px; gap: 10px; } .topbar a span { display: none; }
  .cta-card { padding: 44px 28px; } .article-cta { padding: 40px 28px; } .about-right { padding: 36px 28px; }
  .banks-section, .features-section, .calc-section, .process-section, .about-section, .blog-section, .reviews-section, .faq-section, .cta-section { padding: 72px 0; }
}