/* ===== AVANS CREDIT - DESIGN SYSTEM ===== */
/* Professional Ukrainian PDL Affiliate Site */

*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }

:root {
    /* Brand Colors - Vibrant Blue */
    --primary: #2563EB;
    --primary-dark: #1D4ED8;
    --primary-light: #60A5FA;
    --primary-50: #EFF6FF;
    --primary-100: #DBEAFE;

    /* Accent - Warm Gold */
    --accent: #FCD34D;
    --accent-dark: #FBBF24;
    --accent-hover: #F59E0B;

    /* Semantic */
    --success: #059669;
    --success-light: #D1FAE5;
    --danger: #DC2626;
    --danger-light: #FEE2E2;
    --warning: #F59E0B;
    --info: #2563EB;

    /* Neutrals - Warmer tones for better readability */
    --white: #FFFFFF;
    --gray-50: #FAFBFC;
    --gray-100: #F1F5F9;
    --gray-200: #E2E8F0;
    --gray-300: #CBD5E1;
    --gray-400: #94A3B8;
    --gray-500: #64748B;
    --gray-600: #475569;
    --gray-700: #334155;
    --gray-800: #1E293B;
    --gray-900: #0F172A;
    --dark: #020617;

    /* Layout */
    --radius-sm: 8px;
    --radius: 12px;
    --radius-lg: 16px;
    --radius-xl: 20px;
    --radius-full: 9999px;

    /* Shadows */
    --shadow-xs: 0 1px 2px rgba(0,0,0,.05);
    --shadow-sm: 0 1px 3px rgba(0,0,0,.1), 0 1px 2px rgba(0,0,0,.06);
    --shadow: 0 4px 6px -1px rgba(0,0,0,.1), 0 2px 4px -2px rgba(0,0,0,.1);
    --shadow-md: 0 10px 15px -3px rgba(0,0,0,.1), 0 4px 6px -4px rgba(0,0,0,.1);
    --shadow-lg: 0 20px 25px -5px rgba(0,0,0,.1), 0 8px 10px -6px rgba(0,0,0,.1);
    --shadow-xl: 0 25px 50px -12px rgba(0,0,0,.25);

    /* Transitions */
    --transition: 0.2s ease;
    --transition-slow: 0.3s ease;
}

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: var(--gray-800);
    background: var(--white);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

a { text-decoration: none; color: inherit; transition: color var(--transition); }
img { max-width: 100%; display: block; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea { font-family: inherit; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.container-sm { max-width: 800px; margin: 0 auto; padding: 0 20px; }
.container-lg { max-width: 1400px; margin: 0 auto; padding: 0 20px; }

/* ===== TYPOGRAPHY ===== */
h1, h2, h3, h4 { font-weight: 800; line-height: 1.2; color: var(--gray-800); }

/* Force white text on dark backgrounds */
.hero h1, .hero h2, .hero h3,
.page-hero h1, .page-hero h2, .page-hero h3,
.seo-hero h1, .seo-hero h2, .seo-hero h3,
.cta-section h1, .cta-section h2, .cta-section h3,
.highlight-card h1, .highlight-card h2, .highlight-card h3,
.calc-header h2 { color: #fff !important; }
h1 { font-size: clamp(32px, 5vw, 52px); font-weight: 900; }
h2 { font-size: clamp(26px, 4vw, 40px); }
h3 { font-size: clamp(18px, 2.5vw, 24px); }
h4 { font-size: 18px; }

.text-center { text-align: center; }
.text-muted { color: var(--gray-500); }
.text-primary { color: var(--primary); }
.text-accent { color: var(--accent-dark); }
.text-success { color: var(--success); }
.highlight-green { color: var(--success) !important; font-weight: 800; }

.required { color: var(--danger); }

/* ===== BUTTONS ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 28px;
    border-radius: var(--radius-full);
    font-size: 15px;
    font-weight: 700;
    transition: all var(--transition-slow);
    white-space: nowrap;
    line-height: 1.4;
}

.btn-primary {
    background: var(--primary);
    color: #fff !important;
}
.btn-primary:hover {
    background: var(--primary-dark);
    transform: translateY(-1px);
    box-shadow: var(--shadow);
}

.btn-cta {
    background: linear-gradient(135deg, #FCD34D, #FBBF24);
    color: #78350F !important;
    font-size: 16px;
    font-weight: 800;
    padding: 14px 32px;
    box-shadow: 0 4px 14px rgba(251,191,36,.4);
}
.btn-cta:hover {
    background: linear-gradient(135deg, #FBBF24, #F59E0B);
    color: #78350F !important;
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(251,191,36,.5);
}

.btn-outline {
    background: transparent;
    color: var(--primary);
    border: 2px solid var(--primary);
}
.btn-outline:hover {
    background: var(--primary);
    color: #fff;
}

.btn-white {
    background: #fff;
    color: var(--primary);
    font-weight: 800;
}
.btn-white:hover {
    background: var(--gray-100);
    transform: translateY(-1px);
}

.btn-sm { padding: 8px 20px; font-size: 13px; }
.btn-lg { padding: 16px 36px; font-size: 18px; }
.btn-block { width: 100%; }

/* ===== HEADER ===== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255,255,255,.97);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--gray-200);
    transition: box-shadow var(--transition-slow);
}
.header.scrolled { box-shadow: var(--shadow); }

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 68px;
    gap: 24px;
}

.logo { display: flex; align-items: center; font-size: 22px; font-weight: 900; gap: 6px; }
.logo-icon { flex-shrink: 0; }
.logo-avans { color: var(--primary); }
.logo-credit { color: var(--gray-900); }

.nav { display: flex; gap: 24px; }
.nav a {
    font-weight: 600;
    font-size: 14px;
    color: var(--gray-600);
    padding: 6px 0;
    position: relative;
}
.nav a:hover, .nav a.active { color: var(--primary); }
.nav a.active::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    right: 0;
    height: 2px;
    background: var(--primary);
    border-radius: 1px;
}

.header-actions { display: flex; align-items: center; gap: 12px; }

.header-cta { padding: 10px 22px; font-size: 13px; }

.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    padding: 8px;
    z-index: 10;
}
.hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--gray-700);
    border-radius: 2px;
    transition: all var(--transition-slow);
}
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

.mobile-nav {
    display: none;
    position: fixed;
    top: 68px;
    left: 0;
    right: 0;
    bottom: 0;
    background: #fff;
    padding: 24px 20px;
    flex-direction: column;
    gap: 4px;
    z-index: 999;
    overflow-y: auto;
}
.mobile-nav.active { display: flex; }
.mobile-nav a {
    font-weight: 600;
    font-size: 16px;
    padding: 12px 16px;
    color: var(--gray-700);
    border-radius: var(--radius-sm);
    transition: background var(--transition);
}
.mobile-nav a:hover { background: var(--gray-50); color: var(--primary); }
.mobile-cta { margin-top: 16px; }

/* ===== BREADCRUMBS ===== */
.breadcrumbs {
    background: var(--gray-50);
    border-bottom: 1px solid var(--gray-200);
    padding: 12px 0;
    margin-top: 68px;
}
.breadcrumb-list {
    display: flex;
    align-items: center;
    gap: 8px;
    list-style: none;
    flex-wrap: wrap;
}
.breadcrumb-item { font-size: 13px; color: var(--gray-500); font-weight: 600; }
.breadcrumb-item a { color: var(--gray-500); }
.breadcrumb-item a:hover { color: var(--primary); }
.breadcrumb-item.active { color: var(--gray-700); }
.breadcrumb-sep { font-size: 12px; color: var(--gray-300); }

/* ===== HERO ===== */
.hero {
    position: relative;
    background: linear-gradient(145deg, #0F1B4C 0%, #162461 30%, #1E3A8A 65%, #1D4ED8 100%);
    padding: 130px 0 80px;
    overflow: hidden;
    min-height: 100vh;
    display: flex;
    align-items: center;
}
.hero::before {
    content: '';
    position: absolute;
    top: -20%;
    right: -10%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(252,211,77,.08) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
}
.hero::after {
    content: '';
    position: absolute;
    bottom: -15%;
    left: -5%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(96,165,250,.1) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
}
.hero-inner {
    display: grid;
    grid-template-columns: 1fr 460px;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}
.hero-text { color: #fff; }
.hero-text * { color: inherit; }
.hero .highlight { color: #FDE68A !important; }

.hero-badge {
    display: inline-block;
    background: rgba(252,211,77,.2);
    border: 1px solid rgba(252,211,77,.5);
    color: #FDE68A !important;
    padding: 8px 20px;
    border-radius: var(--radius-full);
    font-weight: 700;
    font-size: 14px;
    margin-bottom: 24px;
}
.hero h1 { margin-bottom: 16px; }
.hero .highlight { color: #FDE68A; }
.hero-subtitle {
    font-size: 19px;
    color: rgba(255,255,255,.85) !important;
    margin-bottom: 28px;
    font-weight: 600;
}
.hero-features {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 36px;
}
.hero-feature {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 16px;
    font-weight: 600;
}
.hero-feature-icon {
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(255,255,255,.15);
    border-radius: var(--radius-sm);
    font-size: 18px;
}
.hero-trust {
    display: flex;
    align-items: center;
    gap: 24px;
    padding-top: 24px;
    border-top: 1px solid rgba(255,255,255,.2);
}
.trust-item strong { display: block; font-size: 24px; font-weight: 900; color: #fff !important; }
.trust-item span { font-size: 13px; color: rgba(255,255,255,.75) !important; }
.trust-divider { width: 1px; height: 40px; background: rgba(255,255,255,.25); }

/* ===== CALCULATOR ===== */
.calculator-card {
    background: #fff;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
}
.calc-header {
    background: linear-gradient(135deg, #2563EB, #60A5FA);
    padding: 22px 28px;
    color: #fff;
}
.calc-header h2 { font-size: 20px; margin-bottom: 2px; color: #fff; }
.calc-header p { font-size: 13px; color: rgba(255,255,255,.85); }

.calc-body { padding: 28px; }

.slider-group { margin-bottom: 24px; }
.slider-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 10px;
}
.slider-label span:first-child { font-weight: 700; font-size: 14px; color: var(--gray-700); }
.slider-value { font-size: 22px; font-weight: 900; color: var(--primary); }

.slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 8px;
    border-radius: 4px;
    background: var(--gray-200);
    outline: none;
    cursor: pointer;
}
.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(30,64,175,.4);
    transition: transform var(--transition);
}
.slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.slider::-moz-range-thumb {
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    cursor: pointer;
    border: none;
    box-shadow: 0 2px 8px rgba(30,64,175,.4);
}
.slider-range {
    display: flex;
    justify-content: space-between;
    margin-top: 6px;
    font-size: 12px;
    color: var(--gray-400);
    font-weight: 600;
}

.calc-summary {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
    margin-bottom: 20px;
    padding: 14px;
    background: var(--gray-50);
    border-radius: var(--radius);
    border: 1px solid var(--gray-100);
}
.summary-item { text-align: center; }
.summary-label { display: block; font-size: 11px; color: var(--gray-500); font-weight: 600; margin-bottom: 2px; text-transform: uppercase; letter-spacing: .5px; }
.summary-value { display: block; font-size: 16px; font-weight: 800; color: var(--primary-dark); }

.calc-cta { width: 100%; font-size: 17px; padding: 14px; }

/* Standalone Calculator */
.calculator-standalone { max-width: 600px; margin: 0 auto; }
.calculator-standalone .calc-body { padding: 32px; }

/* ===== STATS ===== */
.stats {
    background: var(--white);
    padding: 48px 0;
    border-bottom: 1px solid var(--gray-100);
}
.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}
.stat-card {
    text-align: center;
    padding: 24px 20px;
    border-radius: var(--radius-lg);
    background: var(--gray-50);
    border: 1px solid var(--gray-100);
    transition: all var(--transition-slow);
}
.stat-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow);
    border-color: var(--primary-100);
}
.stat-icon {
    font-size: 32px;
    margin-bottom: 8px;
    width: 56px;
    height: 56px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-50);
    border-radius: 50%;
}
.stat-number { font-size: 36px; font-weight: 900; color: var(--primary); margin-bottom: 4px; }
.stat-label { font-size: 14px; color: var(--gray-600); font-weight: 600; }

/* ===== SECTIONS ===== */
.section { padding: 80px 0; }
.section-alt { background: var(--gray-50); }
.section-title {
    text-align: center;
    margin-bottom: 12px;
    position: relative;
}
.section-title::after {
    content: '';
    display: block;
    width: 60px;
    height: 4px;
    background: linear-gradient(90deg, var(--primary), var(--primary-light));
    border-radius: 2px;
    margin: 14px auto 0;
}
.section-subtitle {
    text-align: center;
    color: var(--gray-600);
    font-size: 17px;
    margin-bottom: 48px;
    font-weight: 600;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

/* ===== MFO CARDS ===== */
.mfo-grid { display: flex; flex-direction: column; gap: 16px; }

.mfo-card {
    background: #fff;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-xl);
    overflow: hidden;
    transition: all var(--transition-slow);
}
.mfo-card:hover {
    border-color: var(--primary-light);
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}
.mfo-card.recommended {
    border-color: var(--accent-dark);
    box-shadow: 0 4px 24px rgba(251,191,36,.15);
}

.mfo-recommended-badge {
    background: linear-gradient(135deg, #FDE68A, #FBBF24);
    color: #78350F;
    text-align: center;
    padding: 8px;
    font-size: 13px;
    font-weight: 800;
    letter-spacing: .3px;
}

.mfo-card-inner {
    display: flex;
    gap: 0;
    padding: 0;
}

.mfo-card-left { flex: 1; min-width: 0; padding: 20px 24px; }
.mfo-card-right {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 8px;
    min-width: 180px;
    padding: 20px 24px;
    background: var(--gray-50);
    border-left: 1px solid var(--gray-100);
}

/* Logo */
.mfo-logo {
    width: 200px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    border-right: 1px solid var(--gray-100);
    padding: 24px 28px;
    background: #fff;
    transition: background var(--transition);
}
.mfo-card:hover .mfo-logo { background: var(--primary-50); }
.mfo-logo img {
    width: 100%;
    max-height: 64px;
    object-fit: contain;
}

/* Top: name + badge + rating */
.mfo-card-top {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 14px;
}
.mfo-info { flex: 1; min-width: 0; }
.mfo-name-row { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; margin-bottom: 2px; }
.mfo-name { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }
.mfo-rating { display: flex; align-items: center; gap: 4px; font-size: 13px; }
.mfo-rating .stars { color: var(--accent-dark); letter-spacing: 1px; }
.mfo-rating .rating-num { font-weight: 800; color: var(--gray-700); }
.mfo-rating .review-count { color: var(--gray-400); font-size: 12px; }
.mfo-desc { font-size: 13px; color: var(--gray-500); font-weight: 600; }

.mfo-badge {
    padding: 4px 12px;
    border-radius: var(--radius-full);
    font-size: 11px;
    font-weight: 800;
    white-space: nowrap;
    flex-shrink: 0;
}
.mfo-badge.green { background: var(--success-light); color: #065F46; }
.mfo-badge.gold { background: #FEF3C7; color: #92400E; }
.mfo-badge.blue { background: var(--primary-100); color: var(--primary-dark); }
.mfo-badge.red { background: var(--danger-light); color: #991B1B; }
.mfo-badge.purple { background: #EDE9FE; color: #5B21B6; }
.mfo-badge.cyan { background: #ECFEFF; color: #155E75; }

/* Details: clean stat grid */
.mfo-details {
    display: flex;
    gap: 0;
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    overflow: hidden;
    margin-bottom: 12px;
}
.mfo-detail-row { display: contents; }
.mfo-detail-item {
    flex: 1;
    padding: 10px 14px;
    border-right: 1px solid var(--gray-200);
    background: var(--gray-50);
}
.mfo-detail-item:last-child { border-right: none; }
.mfo-detail-item.mfo-detail-highlight {
    background: #ECFDF5;
    border-right: 1px solid #A7F3D0;
    flex: 1.5;
}
.mfo-detail-label {
    display: block;
    font-size: 11px;
    color: var(--gray-500);
    font-weight: 600;
    margin-bottom: 2px;
}
.mfo-detail-value {
    display: block;
    font-size: 14px;
    font-weight: 800;
    color: var(--gray-700);
}
.mfo-detail-value em {
    font-style: normal;
    font-weight: 700;
    font-size: 12px;
    color: var(--success);
}
.mfo-detail-item.mfo-detail-highlight .mfo-detail-value { color: #065F46; }
.mfo-detail-item.mfo-detail-highlight .mfo-detail-value em { color: #059669; }

.mfo-rrps-row {
    background: var(--gray-50);
    border-radius: var(--radius-sm);
    padding: 6px 12px;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin-bottom: 12px;
    border: 1px solid var(--gray-200);
}
.mfo-rrps-label {
    font-size: 11px;
    color: var(--gray-500);
    font-weight: 600;
    white-space: nowrap;
}
.mfo-rrps-value {
    font-size: 11px;
    font-weight: 700;
    color: var(--gray-600);
}

/* Features tags */
.mfo-bottom-row {
    display: flex;
    gap: 12px;
    align-items: center;
}
.mfo-features {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
    flex: 1;
}
.mfo-feature {
    font-size: 12px;
    font-weight: 600;
    color: var(--success);
    background: var(--success-light);
    padding: 4px 12px;
    border-radius: var(--radius-full);
    transition: all var(--transition);
}
.mfo-feature:hover { background: #059669; color: #fff; }

.mfo-requirements {
    display: flex;
    flex-wrap: wrap;
    gap: 4px;
    align-items: center;
    flex-shrink: 0;
}
.mfo-req-label {
    font-size: 11px;
    font-weight: 700;
    color: var(--gray-500);
    margin-right: 2px;
}
.mfo-req {
    font-size: 11px;
    font-weight: 600;
    color: var(--gray-600);
    background: var(--gray-100);
    padding: 2px 8px;
    border-radius: var(--radius-full);
}

.mfo-cta {
    padding: 14px 24px;
    font-size: 15px;
    width: 100%;
    border-radius: var(--radius);
}
.mfo-cta-sub { font-size: 11px; color: var(--gray-400); font-weight: 600; }

/* ===== HOW IT WORKS ===== */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    position: relative;
}
.steps-grid::before {
    content: '';
    position: absolute;
    top: 40px;
    left: 12.5%;
    right: 12.5%;
    height: 2px;
    background: linear-gradient(90deg, var(--primary-light), var(--accent));
    z-index: 0;
}
.step-card {
    background: #fff;
    padding: 32px 20px 28px;
    border-radius: var(--radius-lg);
    text-align: center;
    box-shadow: var(--shadow-sm);
    position: relative;
    z-index: 1;
    transition: transform var(--transition-slow), box-shadow var(--transition-slow);
    border: 1px solid var(--gray-100);
}
.step-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: var(--primary-100);
}
.step-number {
    width: 40px;
    height: 40px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 16px;
    margin: 0 auto 16px;
    position: relative;
    box-shadow: 0 4px 12px rgba(37,99,235,.3);
}
.step-icon {
    font-size: 40px;
    margin-bottom: 14px;
    width: 72px;
    height: 72px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-50);
    border-radius: var(--radius);
}
.step-card h3 { font-size: 16px; font-weight: 800; margin-bottom: 8px; }
.step-card p { font-size: 13px; color: var(--gray-600); line-height: 1.5; }

/* ===== BENEFITS ===== */
.benefits-grid {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 32px;
    align-items: start;
}
.benefits-list { display: flex; flex-direction: column; gap: 16px; }

.benefit-item {
    display: flex;
    gap: 16px;
    padding: 20px;
    background: #fff;
    border-radius: var(--radius);
    box-shadow: var(--shadow-xs);
    border: 1px solid var(--gray-100);
    transition: all var(--transition-slow);
}
.benefit-item:hover { transform: translateX(4px); box-shadow: var(--shadow-sm); border-color: var(--primary-100); }

.benefit-icon {
    font-size: 28px;
    flex-shrink: 0;
    width: 56px;
    height: 56px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
    border-radius: var(--radius);
    transition: transform var(--transition-slow);
}
.benefit-item:hover .benefit-icon { transform: scale(1.1); }
.benefit-item h3 { font-size: 16px; font-weight: 800; margin-bottom: 4px; }
.benefit-item p { font-size: 13px; color: var(--gray-600); line-height: 1.5; }

.highlight-card {
    background: linear-gradient(145deg, #2563EB, #60A5FA);
    color: #fff;
    border-radius: var(--radius-xl);
    padding: 40px 28px;
    text-align: center;
    position: sticky;
    top: 90px;
}
.highlight-card, .highlight-card * { color: #fff; }
.highlight-number { font-size: 64px; font-weight: 900; line-height: 1; }
.highlight-text { font-size: 20px; font-weight: 700; margin: 8px 0 12px; }
.highlight-stars { font-size: 24px; color: #FDE68A !important; margin-bottom: 12px; letter-spacing: 4px; }
.highlight-card > p { font-size: 13px; color: rgba(255,255,255,.8) !important; line-height: 1.5; }

/* ===== CONDITIONS ===== */
.conditions-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}
.condition-card {
    background: #fff;
    padding: 32px 24px;
    border-radius: var(--radius-lg);
    text-align: center;
    box-shadow: var(--shadow-xs);
    border: 1px solid var(--gray-100);
    transition: all var(--transition-slow);
}
.condition-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: var(--primary-100);
}
.condition-icon {
    font-size: 40px;
    margin-bottom: 14px;
    width: 80px;
    height: 80px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
    border-radius: 50%;
}
.condition-card h3 { font-size: 18px; font-weight: 800; margin-bottom: 6px; }
.condition-card p { font-size: 14px; color: var(--gray-600); line-height: 1.5; }

/* ===== REVIEWS ===== */
.reviews-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}
.review-card {
    background: #fff;
    padding: 28px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xs);
    border: 1px solid var(--gray-100);
    transition: all var(--transition-slow);
    position: relative;
}
.review-card::before {
    content: '\201C';
    position: absolute;
    top: 16px;
    right: 24px;
    font-size: 64px;
    line-height: 1;
    color: var(--primary-100);
    font-family: Georgia, serif;
}
.review-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: var(--primary-100);
}
.review-stars { color: var(--accent-dark); font-size: 18px; letter-spacing: 2px; margin-bottom: 14px; }
.review-text { font-size: 14px; line-height: 1.7; margin-bottom: 20px; font-style: italic; color: var(--gray-600); position: relative; z-index: 1; }
.review-author {
    display: flex;
    align-items: center;
    gap: 12px;
    padding-top: 16px;
    border-top: 1px solid var(--gray-100);
}
.review-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 17px;
    box-shadow: 0 4px 12px rgba(37,99,235,.25);
}
.review-author strong { display: block; font-size: 14px; }
.review-author span { font-size: 12px; color: var(--gray-400); }

/* ===== FAQ ===== */
.faq-list { max-width: 720px; margin: 0 auto; }
.faq-item {
    border: 1px solid var(--gray-200);
    border-radius: var(--radius);
    margin-bottom: 10px;
    overflow: hidden;
    transition: all var(--transition-slow);
}
.faq-item:hover { box-shadow: var(--shadow-sm); }
.faq-item.active { border-color: var(--primary-light); box-shadow: 0 4px 12px rgba(37,99,235,.1); }
.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
    padding: 18px 22px;
    font-size: 15px;
    font-weight: 700;
    text-align: left;
    color: var(--gray-700);
    background: #fff;
    transition: all var(--transition);
}
.faq-item.active .faq-question { color: var(--primary); background: var(--primary-50); }
.faq-question:hover { background: var(--gray-50); }
.faq-toggle {
    font-size: 22px;
    font-weight: 300;
    color: var(--primary);
    transition: transform var(--transition-slow);
    flex-shrink: 0;
    margin-left: 12px;
    width: 28px;
    height: 28px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--primary-50);
    border-radius: 50%;
}
.faq-item.active .faq-toggle { transform: rotate(45deg); background: var(--primary); color: #fff; }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height var(--transition-slow); }
.faq-answer p, .faq-answer ul {
    padding: 0 20px 16px;
    font-size: 14px;
    color: var(--gray-600);
    line-height: 1.7;
}
.faq-answer ul { padding-left: 40px; }
.faq-answer li { margin-bottom: 4px; }

/* ===== CTA SECTION ===== */
.cta-section {
    background: linear-gradient(145deg, #0F1B4C 0%, #1D4ED8 50%, #3B82F6 100%);
    padding: 80px 0;
    text-align: center;
    color: #fff;
    position: relative;
    overflow: hidden;
}
.cta-section::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(252,211,77,.15) 0%, transparent 70%);
    border-radius: 50%;
}
.cta-section::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(96,165,250,.2) 0%, transparent 70%);
    border-radius: 50%;
}
.cta-section .container { position: relative; z-index: 1; }
.cta-section, .cta-section * { color: #fff; }
.cta-section h2 { margin-bottom: 12px; }
.cta-section p { font-size: 17px; color: rgba(255,255,255,.9); margin-bottom: 28px; }
.cta-section .btn-cta { color: #92400E; }

/* ===== FOOTER ===== */
.footer { background: #1E293B; color: #CBD5E1; }
.footer .logo-avans { color: #60A5FA; }
.footer .logo-credit { color: #F1F5F9; }
.footer-contact {
    display: flex;
    flex-direction: column;
    gap: 4px;
    margin-top: 12px;
}
.footer-contact a {
    color: #FDE68A;
    font-size: 14px;
    font-weight: 600;
}
.footer-contact a:hover { color: #FCD34D; }
.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 32px;
    padding: 56px 0 40px;
}
.footer-brand > .logo { margin-bottom: 14px; }
.footer-brand > p { font-size: 13px; line-height: 1.6; color: #94A3B8; margin-bottom: 16px; }

.footer-badges { display: flex; gap: 8px; margin-bottom: 16px; flex-wrap: wrap; }
.footer-badge {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    padding: 5px 10px;
    background: rgba(255,255,255,.08);
    border-radius: 6px;
    font-size: 11px;
    font-weight: 600;
    color: #CBD5E1;
}
.footer-social { display: flex; gap: 10px; }
.social-link {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: rgba(255,255,255,.1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #94A3B8;
    transition: all var(--transition);
}
.social-link:hover { background: var(--primary); color: #fff; }

.footer-links h4 { color: #fff; font-size: 14px; font-weight: 800; margin-bottom: 14px; }
.footer-links a {
    display: block;
    font-size: 13px;
    color: #CBD5E1;
    margin-bottom: 8px;
    transition: color var(--transition);
}
.footer-links a:hover { color: #FDE68A; }
.footer-note { font-size: 12px; color: #94A3B8; margin-bottom: 6px; }

.footer-legal {
    border-top: 1px solid rgba(255,255,255,.1);
    padding: 24px 0;
    text-align: center;
}
.footer-legal-links { display: flex; justify-content: center; gap: 24px; margin-bottom: 16px; flex-wrap: wrap; }
.footer-legal-links a { font-size: 13px; color: #CBD5E1; }
.footer-legal-links a:hover { color: #FDE68A; }
.footer-disclaimer { font-size: 11px; color: #94A3B8; max-width: 800px; margin: 0 auto 12px; line-height: 1.6; }
.footer-copyright { font-size: 12px; color: #94A3B8; }

/* ===== STICKY BAR ===== */
.sticky-bar {
    position: fixed;
    bottom: -80px;
    left: 0;
    right: 0;
    background: rgba(255,255,255,.97);
    backdrop-filter: blur(10px);
    border-top: 1px solid var(--gray-200);
    box-shadow: 0 -4px 12px rgba(0,0,0,.06);
    z-index: 998;
    transition: bottom .4s ease;
    padding: 10px 0;
}
.sticky-bar.visible { bottom: 0; }

.sticky-inner { display: flex; align-items: center; justify-content: space-between; }
.sticky-info { display: flex; align-items: center; gap: 10px; }
.sticky-label { font-size: 13px; color: var(--gray-500); font-weight: 600; }
.sticky-amount { font-size: 20px; font-weight: 900; color: var(--primary); }
.sticky-term { font-size: 14px; color: var(--gray-500); font-weight: 600; }
.sticky-cta { padding: 10px 24px; font-size: 14px; }

/* ===== MODALS ===== */
.modal-overlay {
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,.5);
    backdrop-filter: blur(4px);
    z-index: 2000;
    display: none;
    align-items: center;
    justify-content: center;
    padding: 20px;
    overflow-y: auto;
}
.modal-overlay.active { display: flex; }

.modal {
    background: #fff;
    border-radius: var(--radius-xl);
    width: 100%;
    max-width: 520px;
    box-shadow: var(--shadow-xl);
    position: relative;
    animation: modalIn .3s ease;
    max-height: 90vh;
    overflow-y: auto;
    scrollbar-width: none;
    -ms-overflow-style: none;
}
.modal::-webkit-scrollbar { display: none; }
@keyframes modalIn {
    from { opacity: 0; transform: scale(.95) translateY(16px); }
    to { opacity: 1; transform: scale(1) translateY(0); }
}
.modal-close {
    position: absolute;
    top: 14px;
    right: 14px;
    width: 44px;
    height: 44px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    font-size: 22px;
    color: var(--gray-400);
    background: var(--gray-50);
    transition: all var(--transition);
    z-index: 10;
}
.modal-close:hover { background: var(--gray-200); color: var(--gray-700); }
.modal-header { padding: 28px 28px 0; text-align: center; }
.modal-header h2 { font-size: 22px; margin-bottom: 6px; }
.modal-header p { color: var(--gray-500); font-size: 14px; }

.modal-calc-summary {
    display: flex;
    justify-content: center;
    gap: 20px;
    padding: 14px 24px;
    margin: 14px 24px 0;
    background: var(--gray-50);
    border-radius: var(--radius);
    border: 1px solid var(--gray-100);
}
.modal-summary-item { display: flex; align-items: center; gap: 6px; font-size: 14px; }
.modal-summary-item span { color: var(--gray-500); }
.modal-summary-item strong { color: var(--primary); font-size: 16px; }

/* ===== FORM ===== */
#applicationForm { padding: 20px 28px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-group { margin-bottom: 14px; }
.form-group label { display: block; font-weight: 700; font-size: 13px; margin-bottom: 5px; color: var(--gray-700); }
.form-group input {
    width: 100%;
    padding: 12px 14px;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    font-size: 15px;
    transition: border-color var(--transition), box-shadow var(--transition);
    outline: none;
    background: #fff;
}
.form-group input:focus { border-color: var(--primary-light); box-shadow: 0 0 0 3px rgba(59,130,246,.1); }
.form-group input.error { border-color: var(--danger); }
.form-error { display: none; font-size: 11px; color: var(--danger); margin-top: 3px; font-weight: 600; }
.form-group input.error ~ .form-error { display: block; }
.input-prefix.has-error ~ .form-error { display: block; }
.input-prefix.has-error { border-color: var(--danger); }
.checkbox-error { color: var(--danger) !important; }
.checkbox-error a { color: var(--danger) !important; }

.input-prefix {
    display: flex;
    align-items: stretch;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    overflow: hidden;
    transition: border-color var(--transition), box-shadow var(--transition);
}
.input-prefix:focus-within { border-color: var(--primary-light); box-shadow: 0 0 0 3px rgba(59,130,246,.1); }
.input-prefix .prefix {
    display: flex;
    align-items: center;
    padding: 0 12px;
    background: var(--gray-50);
    font-weight: 700;
    font-size: 14px;
    color: var(--gray-600);
    border-right: 1px solid var(--gray-200);
    white-space: nowrap;
}
.input-prefix input { border: none; border-radius: 0; padding: 12px 14px; }
.input-prefix input:focus { box-shadow: none; }

.form-checkbox {
    display: flex;
    gap: 8px;
    margin-bottom: 10px;
    align-items: flex-start;
}
.form-checkbox input[type="checkbox"] { width: 20px; height: 20px; margin-top: 3px; flex-shrink: 0; accent-color: var(--primary); }
.form-checkbox label { font-size: 12px; color: var(--gray-500); line-height: 1.5; cursor: pointer; }
.form-checkbox a { color: var(--primary); text-decoration: underline; }

.form-submit { width: 100%; font-size: 16px; padding: 14px; margin-top: 6px; }
.form-badge { text-align: center; padding: 10px 28px 24px; font-size: 12px; color: var(--gray-500); font-weight: 600; }

/* ===== LOADING ===== */
.loading-modal { text-align: center; padding: 44px 28px; max-width: 420px; }
.loading-spinner {
    width: 56px;
    height: 56px;
    border: 4px solid var(--gray-200);
    border-top-color: var(--primary);
    border-radius: 50%;
    margin: 0 auto 20px;
    animation: spin .8s linear infinite;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
}
.loading-countdown {
    font-size: 20px;
    font-weight: 900;
    color: var(--primary);
    animation: none;
    line-height: 1;
}
@keyframes spin { to { transform: rotate(360deg); } }
.loading-modal h2 { font-size: 20px; margin-bottom: 6px; }
.loading-modal p { color: var(--gray-500); margin-bottom: 20px; font-size: 14px; }
.loading-progress { height: 5px; background: var(--gray-200); border-radius: 3px; overflow: hidden; margin-bottom: 24px; }
.loading-bar { height: 100%; width: 0%; background: linear-gradient(90deg, #2563EB, #60A5FA); border-radius: 3px; transition: width .3s ease; }
.loading-steps { text-align: left; display: flex; flex-direction: column; gap: 10px; }
.loading-step { display: flex; align-items: center; gap: 10px; font-size: 14px; color: var(--gray-400); font-weight: 600; transition: color .3s; }
.loading-step.active { color: var(--gray-700); }
.loading-step.done { color: var(--success); }
.loading-check {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gray-200);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 11px;
    color: transparent;
    transition: all .3s;
    flex-shrink: 0;
}
.loading-step.active .loading-check { background: var(--primary); color: #fff; }
.loading-step.done .loading-check { background: var(--success); color: #fff; }

/* ===== OFFERS MODAL ===== */
.offers-modal { max-width: 640px; padding-bottom: 20px; overflow-y: auto; scrollbar-width: none; -ms-overflow-style: none; }
.offers-modal::-webkit-scrollbar { display: none; }
.offers-list { padding: 20px 24px 0; display: flex; flex-direction: column; gap: 16px; }
.offers-more { padding: 16px 24px 0; text-align: center; }
.offers-more-btn { width: 100%; justify-content: center; }
.offers-disclaimer { padding: 16px 24px; font-size: 11px; color: var(--gray-400); line-height: 1.5; }
.offers-disclaimer p { padding: 12px; background: var(--gray-50); border-radius: var(--radius-sm); border: 1px solid var(--gray-100); }

.offer-card {
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: all var(--transition-slow);
}
.offer-card:hover { border-color: var(--primary-light); box-shadow: var(--shadow-sm); transform: translateY(-2px); }
.offer-card.recommended { border-color: var(--accent-dark); box-shadow: 0 4px 16px rgba(251,191,36,.15); }

.offer-rec-label {
    background: linear-gradient(135deg, #FDE68A, #FBBF24);
    color: #78350F;
    text-align: center;
    padding: 6px;
    font-size: 12px;
    font-weight: 800;
}
.offer-card-inner { padding: 20px; }

.offer-top { display: flex; align-items: center; gap: 14px; margin-bottom: 10px; }
.offer-logo {
    width: 120px;
    height: 52px;
    background: var(--white);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
    border: 1px solid var(--gray-200);
    padding: 6px 12px;
    flex-shrink: 0;
}
.offer-logo img { width: 100%; height: 100%; object-fit: contain; }
.offer-info { flex: 1; min-width: 0; }
.offer-name { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }
.offer-rating { display: flex; align-items: center; gap: 4px; font-size: 12px; }
.offer-rating .stars { color: var(--accent-dark); letter-spacing: 1px; }
.offer-rating span:last-child { font-weight: 700; color: var(--gray-600); }
.offer-desc { font-size: 13px; color: var(--gray-500); font-weight: 600; margin-bottom: 12px; }

.offer-badge {
    margin-left: auto;
    padding: 4px 12px;
    border-radius: var(--radius-full);
    font-size: 11px;
    font-weight: 800;
    white-space: nowrap;
    flex-shrink: 0;
}
.offer-badge.green { background: var(--success-light); color: #065F46; }
.offer-badge.blue { background: var(--primary-100); color: var(--primary-dark); }
.offer-badge.gold { background: #FEF3C7; color: #92400E; }
.offer-badge.red { background: var(--danger-light); color: #991B1B; }
.offer-badge.purple { background: #EDE9FE; color: #5B21B6; }
.offer-badge.cyan { background: #ECFEFF; color: #155E75; }

.offer-stats {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 8px;
    margin-bottom: 16px;
}
.offer-stat {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 14px;
    background: var(--gray-50);
    border-radius: var(--radius);
    border: 1px solid var(--gray-100);
    transition: all var(--transition);
}
.offer-stat:hover { border-color: var(--primary-100); background: var(--primary-50); }
.offer-stat-label { font-size: 12px; color: var(--gray-600); font-weight: 600; }
.offer-stat-value { font-size: 13px; font-weight: 800; color: var(--gray-700); }
.offer-rrps { font-size: 11px; font-weight: 700; }
.offer-cta {
    width: 100%;
    padding: 14px;
    font-size: 15px;
    border-radius: var(--radius);
}
.offer-card.recommended .offer-cta { background: linear-gradient(135deg, #FCD34D, #FBBF24); color: #78350F !important; }
.offer-card:not(.recommended) .offer-cta { background: var(--primary); color: #fff !important; }
.offer-card:not(.recommended) .offer-cta:hover { background: var(--primary-dark); }

/* ===== PAGE-SPECIFIC: CONTENT PAGES ===== */
.page-hero {
    background: linear-gradient(145deg, #0F1B4C, #162461, #1E3A8A);
    color: #fff;
    padding: 100px 0 50px;
    text-align: center;
}
.page-hero h1 { margin-bottom: 12px; }
.page-hero p, .page-hero-subtitle { font-size: 17px; max-width: 600px; margin: 0 auto; }
.page-hero, .page-hero * { color: #fff; }
.page-hero p, .page-hero-subtitle { color: rgba(255,255,255,.85); }

.page-content {
    padding: 48px 0 80px;
}
.page-content h2 {
    font-size: 26px;
    margin: 40px 0 16px;
    padding-bottom: 10px;
    border-bottom: 2px solid var(--gray-100);
}
.page-content h2:first-child { margin-top: 0; }
.page-content h3 { font-size: 20px; margin: 28px 0 12px; }
.page-content p { margin-bottom: 14px; color: var(--gray-600); line-height: 1.7; }
.page-content ul, .page-content ol { margin: 0 0 16px 24px; color: var(--gray-600); }
.page-content li { margin-bottom: 6px; line-height: 1.6; }
.page-content a { color: var(--primary); text-decoration: underline; }
.page-content a:hover { color: var(--primary-dark); }

.page-content .info-box {
    background: var(--primary-50);
    border-left: 4px solid var(--primary);
    padding: 16px 20px;
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    margin: 20px 0;
}
.page-content .warning-box {
    background: #FEF3C7;
    border-left: 4px solid var(--warning);
    padding: 16px 20px;
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    margin: 20px 0;
}

/* ===== BLOG ===== */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}
.blog-card {
    background: #fff;
    border-radius: var(--radius-lg);
    border: 1px solid var(--gray-100);
    overflow: hidden;
    transition: all var(--transition-slow);
}
.blog-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
    border-color: var(--primary-100);
}
.blog-card-image {
    height: 180px;
    background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 52px;
    position: relative;
    overflow: hidden;
}
.blog-card-image::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 40px;
    background: linear-gradient(to top, #fff, transparent);
}
.blog-card-body { padding: 20px; }
.blog-card-meta { display: flex; align-items: center; gap: 12px; margin-bottom: 10px; }
.blog-tag {
    padding: 3px 10px;
    background: var(--primary-50);
    color: var(--primary);
    border-radius: var(--radius-full);
    font-size: 11px;
    font-weight: 700;
}
.blog-date { font-size: 12px; color: var(--gray-400); font-weight: 600; }
.blog-card h3 { font-size: 17px; font-weight: 800; margin-bottom: 8px; line-height: 1.3; }
.blog-card h3 a:hover { color: var(--primary); }
.blog-card p { font-size: 13px; color: var(--gray-600); line-height: 1.5; }
.blog-card-link {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    margin-top: 12px;
    font-size: 13px;
    font-weight: 700;
    color: var(--primary);
}
.blog-card-link:hover { gap: 8px; }

/* Blog page CTA */
.content-cta {
    text-align: center;
    padding: 48px 32px;
    margin-top: 48px;
    background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
    border-radius: var(--radius-xl);
    border: 1px solid var(--primary-100);
}
/* CTA buttons group */
.cta-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

.content-cta h2 {
    font-size: 24px;
    margin-bottom: 10px;
    border: none;
    padding: 0;
}
.content-cta p {
    color: var(--gray-600);
    font-size: 15px;
    margin-bottom: 20px;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
}

/* ===== CONTACT PAGE ===== */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
}
.contact-card {
    display: flex;
    gap: 14px;
    padding: 20px;
    background: var(--gray-50);
    border-radius: var(--radius);
    border: 1px solid var(--gray-100);
}
.contact-icon { font-size: 28px; flex-shrink: 0; }
.contact-card h3 { font-size: 16px; font-weight: 800; margin-bottom: 4px; }
.contact-card p, .contact-card a { font-size: 14px; color: var(--gray-600); }

.contact-form { background: #fff; padding: 32px; border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); border: 1px solid var(--gray-100); }
.contact-form .form-group input,
.contact-form .form-group textarea {
    width: 100%;
    padding: 12px 14px;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    font-size: 15px;
    outline: none;
    transition: border-color var(--transition);
    background: #fff;
}
.contact-form .form-group textarea { min-height: 120px; resize: vertical; font-family: inherit; }
.contact-form .form-group input:focus,
.contact-form .form-group textarea:focus { border-color: var(--primary-light); box-shadow: 0 0 0 3px rgba(59,130,246,.1); }

/* ===== SEO LANDING PAGE TEMPLATE ===== */
.seo-hero {
    background: linear-gradient(145deg, #1D4ED8, #3B82F6, #60A5FA);
    color: #fff;
    padding: 100px 0 48px;
}
.seo-hero, .seo-hero * { color: #fff; }
.seo-hero h1 { margin-bottom: 14px; max-width: 700px; }
.seo-hero p, .seo-hero-subtitle { font-size: 17px; color: rgba(255,255,255,.9); max-width: 600px; margin-bottom: 24px; }
.seo-hero .hero-features { margin-bottom: 0; }
.seo-hero .hero-feature-icon { color: #fff; }

/* Content narrow container */
.content-narrow { max-width: 800px; margin: 0 auto; padding: 0 20px; }

/* Shared text styling for seo-content, content-narrow, section-alt content */
.seo-content,
.section-alt .content-narrow,
.section .content-narrow {
    padding-top: 0;
}
.seo-content { padding: 48px 0; }
.seo-content .container-sm { max-width: 900px; }

.seo-content h2,
.content-narrow h2 { font-size: 26px; margin: 36px 0 14px; }

.seo-content h3,
.content-narrow h3 { font-size: 20px; margin: 28px 0 12px; font-weight: 800; color: var(--gray-800); }

.seo-content p,
.content-narrow p { margin-bottom: 14px; color: var(--gray-600); line-height: 1.7; }

.seo-content ul, .seo-content ol,
.content-narrow ul, .content-narrow ol { margin: 0 0 14px 24px; color: var(--gray-600); }

.seo-content li,
.content-narrow li { margin-bottom: 6px; line-height: 1.6; }

.seo-content a,
.content-narrow a { color: var(--primary); }
.seo-content a:hover,
.content-narrow a:hover { color: var(--primary-dark); }

/* Content list (SEO pages) */
.content-list {
    margin: 16px 0 20px 0;
    padding: 0;
    list-style: none;
}
.content-list li {
    padding: 12px 16px 12px 44px;
    margin-bottom: 8px;
    background: var(--gray-50);
    border: 1px solid var(--gray-100);
    border-radius: var(--radius-sm);
    position: relative;
    line-height: 1.6;
    color: var(--gray-700);
}
.content-list li::before {
    content: '✓';
    position: absolute;
    left: 16px;
    font-weight: 800;
    color: var(--success);
}

.seo-mfo-section {
    padding: 48px 0;
    background: var(--gray-50);
}

.seo-faq { padding: 48px 0; }

/* ===== TABLE ===== */
.data-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 14px;
}
.data-table th {
    background: var(--gray-50);
    padding: 12px 16px;
    text-align: left;
    font-weight: 700;
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: .5px;
    color: var(--gray-600);
    border-bottom: 2px solid var(--gray-200);
}
.data-table td {
    padding: 12px 16px;
    border-bottom: 1px solid var(--gray-100);
    color: var(--gray-700);
}
.data-table tr:hover td { background: var(--gray-50); }

/* ===== COMPARISON TABLE ===== */
.comparison-table-wrapper { overflow-x: auto; }
.comparison-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 700px;
}
.comparison-table th { background: var(--primary); color: #fff; padding: 14px 16px; font-size: 13px; font-weight: 700; text-align: left; }
.comparison-table td { padding: 14px 16px; border-bottom: 1px solid var(--gray-100); font-size: 14px; }
.comparison-table tr:nth-child(even) td { background: var(--gray-50); }
.comparison-table tr:hover td { background: var(--primary-50); }

/* ===== INFO PAGES (How it works, About, Contact) ===== */
.content-block { margin-bottom: 48px; }
.content-block h2 { font-size: 26px; margin-bottom: 16px; padding-bottom: 10px; border-bottom: 2px solid var(--gray-100); }
.content-block p { color: var(--gray-600); line-height: 1.7; margin-bottom: 14px; }
.content-block ul { margin: 12px 0 14px 20px; color: var(--gray-600); }
.content-block li { margin-bottom: 8px; line-height: 1.6; }

.step-detail { margin-bottom: 32px; }
.step-detail-header { display: flex; align-items: center; gap: 16px; margin-bottom: 16px; }
.step-detail-number { width: 48px; height: 48px; min-width: 48px; background: linear-gradient(135deg, var(--primary), var(--primary-light)); color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 900; font-size: 20px; box-shadow: 0 4px 12px rgba(37,99,235,.3); }
.step-detail-header h2 { border: none; padding: 0; margin: 0; font-size: 22px; }
.step-time { font-size: 13px; font-weight: 700; color: var(--success); margin-top: 2px; }
.step-detail-body { padding-left: 64px; }
.step-detail-body p { color: var(--gray-600); line-height: 1.7; margin-bottom: 12px; }
.step-detail-body ul { margin: 12px 0 12px 20px; color: var(--gray-600); }
.step-detail-body li { margin-bottom: 8px; line-height: 1.6; }

.requirements-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 16px; margin-top: 20px; }
.requirement-item { display: flex; gap: 14px; padding: 18px; background: var(--gray-50); border: 1px solid var(--gray-100); border-radius: var(--radius); transition: all var(--transition-slow); }
.requirement-item:hover { border-color: var(--primary-100); box-shadow: var(--shadow-sm); }
.requirement-icon { font-size: 28px; flex-shrink: 0; width: 48px; height: 48px; display: flex; align-items: center; justify-content: center; background: var(--primary-50); border-radius: var(--radius); }
.requirement-item strong { display: block; font-size: 15px; margin-bottom: 4px; color: var(--gray-800); }
.requirement-item p { font-size: 13px; color: var(--gray-500); margin: 0; }

.tips-list { display: flex; flex-direction: column; gap: 14px; }
.tip-item { display: flex; gap: 14px; padding: 18px; background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius); transition: all var(--transition-slow); }
.tip-item:hover { border-color: var(--primary-100); box-shadow: var(--shadow-sm); transform: translateX(4px); }
.tip-number { width: 36px; height: 36px; min-width: 36px; background: var(--primary-50); color: var(--primary); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 15px; }
.tip-item h3 { font-size: 16px; margin-bottom: 4px; }
.tip-item p { font-size: 13px; color: var(--gray-600); margin: 0; line-height: 1.5; }

.features-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 16px; margin-top: 16px; }
.feature-card { padding: 24px; background: var(--gray-50); border: 1px solid var(--gray-100); border-radius: var(--radius-lg); transition: all var(--transition-slow); }
.feature-card:hover { border-color: var(--primary-100); box-shadow: var(--shadow-sm); transform: translateY(-2px); }
.feature-icon { font-size: 32px; width: 56px; height: 56px; display: flex; align-items: center; justify-content: center; background: var(--primary-50); border-radius: var(--radius); margin-bottom: 12px; }
.feature-card h3 { font-size: 17px; margin-bottom: 6px; }
.feature-card p { font-size: 14px; color: var(--gray-600); line-height: 1.6; margin: 0; }

.values-list { display: flex; flex-direction: column; gap: 16px; margin-top: 16px; }
.value-item { padding: 20px 24px; background: #fff; border-left: 4px solid var(--primary); border-radius: 0 var(--radius) var(--radius) 0; box-shadow: var(--shadow-xs); }
.value-item h3 { font-size: 17px; margin-bottom: 6px; color: var(--primary-dark); }
.value-item p { font-size: 14px; color: var(--gray-600); line-height: 1.6; margin: 0; }

.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin: 20px 0; }
.trust-card { text-align: center; padding: 24px 16px; background: linear-gradient(135deg, var(--primary-50), var(--primary-100)); border-radius: var(--radius-lg); border: 1px solid var(--primary-100); }
.trust-number { font-size: 32px; font-weight: 900; color: var(--primary); margin-bottom: 4px; }
.trust-label { font-size: 13px; color: var(--gray-600); font-weight: 600; }
.trust-details { margin-top: 20px; }
.trust-details p { color: var(--gray-600); line-height: 1.7; margin-bottom: 12px; }

.contact-cards { display: flex; flex-direction: column; gap: 12px; margin-top: 16px; }
.contact-card-icon { font-size: 28px; flex-shrink: 0; width: 48px; height: 48px; display: flex; align-items: center; justify-content: center; background: var(--primary-50); border-radius: var(--radius); }
.contact-card-content h3 { font-size: 16px; margin-bottom: 4px; }
.contact-card-content p { font-size: 13px; color: var(--gray-500); margin: 2px 0; }
.contact-card-content a { color: var(--primary); font-weight: 700; font-size: 15px; }

.contact-form-wrapper h2 { font-size: 22px; margin-bottom: 8px; }
.contact-form-wrapper > p { color: var(--gray-500); font-size: 14px; margin-bottom: 20px; }
.contact-form select { width: 100%; padding: 12px 14px; border: 2px solid var(--gray-200); border-radius: var(--radius); font-size: 15px; font-family: inherit; background: #fff; outline: none; color: var(--gray-700); transition: border-color var(--transition); }
.contact-form select:focus { border-color: var(--primary-light); box-shadow: 0 0 0 3px rgba(59,130,246,.1); }

.contact-info h2 { font-size: 22px; margin-bottom: 8px; }
.contact-info > p { color: var(--gray-500); font-size: 14px; margin-bottom: 16px; }

.contact-form-success { text-align: center; padding: 40px 20px; }
.success-icon { font-size: 48px; margin-bottom: 12px; }
.contact-form-success h3 { font-size: 20px; margin-bottom: 8px; color: var(--success); }
.contact-form-success p { color: var(--gray-600); font-size: 14px; }

.contact-reasons { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin-top: 16px; }
.reason-item { padding: 20px; background: var(--gray-50); border: 1px solid var(--gray-100); border-radius: var(--radius); }
.reason-item h3 { font-size: 16px; margin-bottom: 6px; }
.reason-item p { font-size: 13px; color: var(--gray-600); line-height: 1.6; margin: 0; }

@media (max-width: 768px) {
    .step-detail-body { padding-left: 0; }
    .step-detail-number { width: 40px; height: 40px; min-width: 40px; font-size: 18px; }
    .step-detail-header h2 { font-size: 19px; }
    .requirements-grid { grid-template-columns: 1fr; }
    .features-grid { grid-template-columns: 1fr; }
    .trust-grid { grid-template-columns: repeat(2, 1fr); }
    .contact-reasons { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
    .content-block { margin-bottom: 32px; }
    .content-block h2 { font-size: 20px; }
    .step-detail-header { gap: 12px; }
    .step-detail-number { width: 36px; height: 36px; min-width: 36px; font-size: 16px; }
    .step-detail-header h2 { font-size: 17px; }
    .trust-grid { gap: 10px; }
    .trust-card { padding: 16px 10px; }
    .trust-number { font-size: 24px; }
    .trust-label { font-size: 12px; }
    .tip-item { padding: 14px; gap: 10px; }
    .tip-number { width: 30px; height: 30px; min-width: 30px; font-size: 13px; }
    .feature-card { padding: 18px; }
    .feature-icon { width: 44px; height: 44px; font-size: 24px; }
    .requirement-item { padding: 14px; }
    .requirement-icon { width: 40px; height: 40px; font-size: 22px; }
}

/* ===== BLOG ARTICLE COMPONENTS ===== */

/* Article header */
.blog-article-header {
    margin-bottom: 32px;
    padding-bottom: 24px;
    border-bottom: 2px solid var(--gray-100);
}
.blog-article-header h1 {
    margin-bottom: 16px;
}
.blog-article-meta {
    display: flex;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
}
.blog-reading-time {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    font-size: 12px;
    font-weight: 600;
    color: var(--gray-400);
}

/* Lead paragraph */
.blog-lead {
    font-size: 18px !important;
    color: var(--gray-700) !important;
    font-weight: 500;
    line-height: 1.8 !important;
    margin-bottom: 32px !important;
}

/* Callout boxes */
.blog-box {
    padding: 20px 24px;
    border-radius: var(--radius);
    margin: 24px 0;
    position: relative;
    overflow: hidden;
}
.blog-box::before {
    content: '';
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    width: 4px;
}
.blog-box-title {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 15px;
    font-weight: 800;
    margin-bottom: 8px;
}
.blog-box p, .blog-box li {
    margin-bottom: 6px;
    line-height: 1.6;
}
.blog-box ul, .blog-box ol {
    margin: 8px 0 0 20px;
}

.blog-box.info {
    background: var(--primary-50);
    border: 1px solid var(--primary-100);
}
.blog-box.info::before { background: var(--primary); }
.blog-box.info .blog-box-title { color: var(--primary-dark); }

.blog-box.warning {
    background: #FEF3C7;
    border: 1px solid #FDE68A;
}
.blog-box.warning::before { background: var(--warning); }
.blog-box.warning .blog-box-title { color: #92400E; }

.blog-box.danger {
    background: var(--danger-light);
    border: 1px solid #FECACA;
}
.blog-box.danger::before { background: var(--danger); }
.blog-box.danger .blog-box-title { color: #991B1B; }

.blog-box.success {
    background: var(--success-light);
    border: 1px solid #A7F3D0;
}
.blog-box.success::before { background: var(--success); }
.blog-box.success .blog-box-title { color: #065F46; }

/* Step cards */
.blog-steps {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin: 24px 0;
    counter-reset: blog-step;
}
.blog-step {
    display: flex;
    gap: 16px;
    padding: 20px;
    background: #fff;
    border-radius: var(--radius);
    border: 1px solid var(--gray-100);
    box-shadow: var(--shadow-xs);
    transition: all var(--transition-slow);
    counter-increment: blog-step;
}
.blog-step:hover {
    border-color: var(--primary-100);
    box-shadow: var(--shadow-sm);
    transform: translateX(4px);
}
.blog-step-num {
    width: 40px;
    height: 40px;
    min-width: 40px;
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 16px;
}
.blog-step-content h3 {
    font-size: 16px;
    font-weight: 800;
    margin-bottom: 6px;
    color: var(--gray-800);
}
.blog-step-content p {
    font-size: 14px;
    color: var(--gray-600);
    line-height: 1.6;
    margin-bottom: 0;
}

/* Comparison table */
.blog-table-wrapper {
    overflow-x: auto;
    margin: 24px 0;
    border-radius: var(--radius);
    border: 1px solid var(--gray-200);
}
.blog-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 500px;
}
.blog-table thead th {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: #fff;
    padding: 14px 18px;
    font-size: 13px;
    font-weight: 700;
    text-align: left;
    white-space: nowrap;
}
.blog-table tbody td {
    padding: 12px 18px;
    font-size: 14px;
    color: var(--gray-700);
    border-bottom: 1px solid var(--gray-100);
}
.blog-table tbody tr:nth-child(even) td {
    background: var(--gray-50);
}
.blog-table tbody tr:hover td {
    background: var(--primary-50);
}
.blog-table tbody tr:last-child td {
    border-bottom: none;
}

/* Pros & Cons */
.blog-pros-cons {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin: 24px 0;
}
.blog-pros, .blog-cons {
    padding: 20px;
    border-radius: var(--radius);
}
.blog-pros {
    background: var(--success-light);
    border: 1px solid #A7F3D0;
}
.blog-cons {
    background: var(--danger-light);
    border: 1px solid #FECACA;
}
.blog-pros-title, .blog-cons-title {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 16px;
    font-weight: 800;
    margin-bottom: 12px;
}
.blog-pros-title { color: #065F46; }
.blog-cons-title { color: #991B1B; }
.blog-pros li, .blog-cons li {
    font-size: 14px;
    line-height: 1.6;
    margin-bottom: 6px;
    list-style: none;
    padding-left: 20px;
    position: relative;
}
.blog-pros li::before {
    content: '+';
    position: absolute;
    left: 0;
    font-weight: 800;
    color: var(--success);
}
.blog-cons li::before {
    content: '\2212';
    position: absolute;
    left: 0;
    font-weight: 800;
    color: var(--danger);
}
.blog-pros ul, .blog-cons ul {
    margin: 0;
    padding: 0;
}

/* Formula / highlight box */
.blog-formula {
    background: var(--gray-50);
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 20px 24px;
    margin: 20px 0;
    text-align: center;
}
.blog-formula-label {
    font-size: 12px;
    font-weight: 700;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 8px;
}
.blog-formula-text {
    font-size: 18px;
    font-weight: 800;
    color: var(--primary-dark);
    margin-bottom: 0 !important;
}

/* Example / calculation card */
.blog-example {
    background: #fff;
    border: 2px solid var(--primary-100);
    border-radius: var(--radius);
    padding: 24px;
    margin: 24px 0;
}
.blog-example-title {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 16px;
    font-weight: 800;
    color: var(--primary-dark);
    margin-bottom: 12px;
}
.blog-example-params {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(120px, 1fr));
    gap: 10px;
    margin-bottom: 16px;
}
.blog-example-param {
    background: var(--gray-50);
    border-radius: var(--radius-sm);
    padding: 10px 14px;
    text-align: center;
}
.blog-example-param-label {
    display: block;
    font-size: 11px;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    margin-bottom: 2px;
}
.blog-example-param-value {
    display: block;
    font-size: 16px;
    font-weight: 800;
    color: var(--gray-700);
}
.blog-example-result {
    background: linear-gradient(135deg, var(--primary-50), var(--primary-100));
    border-radius: var(--radius-sm);
    padding: 14px 18px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 8px;
}
.blog-example-result-label {
    font-size: 14px;
    font-weight: 700;
    color: var(--gray-700);
}
.blog-example-result-value {
    font-size: 20px;
    font-weight: 900;
    color: var(--primary-dark);
}

/* Key takeaway */
.blog-takeaway {
    background: linear-gradient(135deg, #EFF6FF, #DBEAFE);
    border: 2px solid var(--primary-light);
    border-radius: var(--radius-lg);
    padding: 24px 28px;
    margin: 32px 0;
}
.blog-takeaway-title {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 18px;
    font-weight: 800;
    color: var(--primary-dark);
    margin-bottom: 12px;
}
.blog-takeaway p {
    color: var(--gray-700) !important;
    font-weight: 500;
}
.blog-takeaway ul {
    margin: 8px 0 0 20px;
}
.blog-takeaway li {
    color: var(--gray-700);
    font-weight: 500;
    margin-bottom: 6px;
}

/* Blockquote */
.page-content blockquote {
    background: var(--gray-50);
    border-left: 4px solid var(--primary);
    padding: 20px 24px;
    margin: 24px 0;
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    font-style: italic;
}
.page-content blockquote p {
    color: var(--gray-700) !important;
    font-size: 16px;
    margin-bottom: 0;
}

/* Checklist */
.blog-checklist {
    margin: 20px 0;
    padding: 0;
    list-style: none;
}
.blog-checklist li {
    padding: 8px 0 8px 28px;
    position: relative;
    font-size: 14px;
    color: var(--gray-700);
    border-bottom: 1px solid var(--gray-100);
}
.blog-checklist li:last-child {
    border-bottom: none;
}
.blog-checklist li::before {
    content: '\2713';
    position: absolute;
    left: 0;
    font-weight: 800;
    color: var(--success);
    font-size: 16px;
}

/* Number highlight */
.blog-number-highlight {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: var(--primary);
    color: #fff;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    font-weight: 800;
    font-size: 14px;
    margin-right: 8px;
    flex-shrink: 0;
}

/* Blog article responsive */
/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .hero-inner { grid-template-columns: 1fr; gap: 28px; }
    .calculator-card { max-width: 100%; margin: 0 auto; }
    .benefits-grid { grid-template-columns: 1fr; }
    .benefits-highlight { order: -1; }
    .highlight-card { position: static; }
    .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
    .footer-brand { grid-column: 1 / -1; }
    .mfo-stats-grid { grid-template-columns: repeat(2, 1fr); }

    /* MFO card tablet */
    .mfo-logo { width: 160px; padding: 16px; }
    .mfo-card-right { min-width: 160px; padding: 16px; }
}

@media (max-width: 768px) {
    /* Header */
    .nav, .header-actions { display: none; }
    .hamburger { display: flex; }

    /* Hero */
    .hero { padding: 90px 0 40px; min-height: auto; }
    .hero h1 { font-size: 28px; }
    .hero-subtitle { font-size: 15px; margin-bottom: 20px; }
    .hero-badge { font-size: 12px; padding: 6px 14px; margin-bottom: 16px; }
    .hero-features { gap: 8px; margin-bottom: 24px; }
    .hero-feature { font-size: 14px; }
    .hero-feature-icon { width: 30px; height: 30px; font-size: 15px; }
    .hero-trust { flex-direction: column; align-items: flex-start; gap: 10px; padding-top: 16px; }
    .trust-divider { display: none; }
    .trust-item strong { font-size: 20px; }

    /* Stats */
    .stats { padding: 32px 0; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; }
    .stat-card { padding: 16px 12px; }
    .stat-icon { width: 44px; height: 44px; font-size: 24px; }
    .stat-number { font-size: 24px; }
    .stat-label { font-size: 12px; }

    /* Sections */
    .section { padding: 48px 0; }
    .section-title { font-size: 24px; }
    .section-subtitle { font-size: 15px; margin-bottom: 32px; }

    /* Steps */
    .steps-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; }
    .steps-grid::before { display: none; }
    .step-card { padding: 20px 14px; }
    .step-icon { width: 56px; height: 56px; font-size: 28px; }
    .step-card h3 { font-size: 14px; }
    .step-card p { font-size: 12px; }

    /* Conditions, Reviews, Blog grid */
    .conditions-grid, .reviews-grid, .blog-grid { grid-template-columns: 1fr; }
    .condition-icon { width: 60px; height: 60px; font-size: 28px; }

    /* Review */
    .review-card { padding: 20px; }
    .review-card::before { font-size: 48px; top: 10px; right: 16px; }
    .review-text { font-size: 13px; }

    /* Footer */
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 20px; }

    /* Forms & Modals */
    .modal { max-height: 95vh; margin: auto 10px; }
    .form-row { grid-template-columns: 1fr; }
    .calc-summary { grid-template-columns: 1fr; gap: 6px; }
    .summary-item { display: flex; justify-content: space-between; text-align: left; }
    .contact-grid { grid-template-columns: 1fr; }

    /* MFO card */
    .mfo-card-inner { flex-wrap: wrap; }
    .mfo-logo {
        width: 100%;
        border-right: none;
        border-bottom: 1px solid var(--gray-100);
        padding: 14px 20px;
    }
    .mfo-logo img { max-height: 40px; }
    .mfo-card-left { padding: 16px; flex-basis: 100%; }
    .mfo-card-right {
        flex-direction: row;
        border-left: none;
        border-top: 1px solid var(--gray-100);
        padding: 14px 16px;
        min-width: auto;
        flex-basis: 100%;
    }
    .mfo-cta-sub { display: none; }
    .mfo-cta { flex: 1; min-width: 0; }
    .mfo-details { flex-wrap: wrap; }
    .mfo-detail-item { min-width: 0; flex: 1 1 30%; }
    .mfo-detail-item.mfo-detail-highlight { flex: 1 1 100%; }
    .mfo-bottom-row { flex-direction: column; gap: 8px; }
    .mfo-features { gap: 4px; }
    .mfo-feature { font-size: 11px; padding: 3px 10px; }

    /* Page hero */
    .page-hero { padding: 85px 0 32px; }
    .page-hero h1 { font-size: 24px; }
    .page-hero p { font-size: 14px; }
    .seo-hero { padding: 85px 0 32px; }
    .seo-hero h1 { font-size: 24px; }

    /* Page content */
    .page-content { padding: 32px 0 56px; }
    .page-content h2 { font-size: 22px; margin: 28px 0 12px; }
    .page-content h3 { font-size: 18px; margin: 20px 0 10px; }

    /* Blog components */
    .blog-lead { font-size: 16px !important; }
    .blog-box { padding: 16px 18px; }
    .blog-step { padding: 14px; gap: 12px; }
    .blog-step-num { width: 34px; height: 34px; min-width: 34px; font-size: 14px; }
    .blog-step-content h3 { font-size: 15px; }
    .blog-step-content p { font-size: 13px; }
    .blog-pros-cons { grid-template-columns: 1fr; }
    .blog-example { padding: 18px; }
    .blog-example-params { grid-template-columns: repeat(2, 1fr); }
    .blog-formula-text { font-size: 15px; }
    .blog-takeaway { padding: 18px 20px; }
    .blog-table { min-width: 320px; }
    .blog-table thead th { padding: 10px 12px; font-size: 12px; }
    .blog-table tbody td { padding: 10px 12px; font-size: 13px; }

    /* CTA section */
    .cta-section { padding: 48px 0; }
    .cta-section h2 { font-size: 22px; }
    .cta-section p { font-size: 14px; }

    /* Offer card */
    .offer-card-inner { padding: 16px; }
    .offer-logo { width: 100px; height: 44px; }
    .offer-name { font-size: 15px; }
    .offer-desc { font-size: 12px; }
    .offer-stats { grid-template-columns: 1fr 1fr; gap: 6px; }
    .offer-stat { padding: 8px 10px; }
    .offer-stat-label { font-size: 11px; }
    .offer-stat-value { font-size: 12px; }
}

@media (max-width: 480px) {
    .container { padding: 0 14px; }

    /* Hero */
    .hero { padding: 80px 0 28px; }
    .hero h1 { font-size: 24px; }
    .hero-subtitle { font-size: 14px; margin-bottom: 16px; }
    .hero-features { gap: 6px; margin-bottom: 20px; }
    .hero-feature { font-size: 13px; }
    .hero-feature-icon { width: 28px; height: 28px; font-size: 14px; }
    .hero-inner { gap: 20px; }
    .hero .container { padding: 0 14px; }

    /* Calculator - FULL WIDTH on mobile */
    .calculator-card { border-radius: var(--radius); margin: 0 auto; width: 100%; }
    .calc-header { padding: 16px 20px; }
    .calc-header h2 { font-size: 17px; }
    .calc-header p { font-size: 12px; }
    .calc-body { padding: 20px; }
    .slider-group { margin-bottom: 20px; }
    .slider-label span:first-child { font-size: 13px; }
    .slider-value { font-size: 22px; }
    .slider { height: 10px; }
    .slider::-webkit-slider-thumb { width: 32px; height: 32px; }
    .slider::-moz-range-thumb { width: 32px; height: 32px; }
    .slider-range { font-size: 11px; }
    .calc-summary { grid-template-columns: 1fr; gap: 4px; padding: 12px; }
    .summary-item { display: flex; justify-content: space-between; text-align: left; }
    .summary-label { font-size: 11px; }
    .summary-value { font-size: 15px; }
    .calc-cta { font-size: 16px; padding: 16px; }

    /* Stats */
    .stats-grid { gap: 8px; }
    .stat-card { padding: 14px 10px; }
    .stat-icon { width: 40px; height: 40px; font-size: 20px; }
    .stat-number { font-size: 22px; }

    /* Steps */
    .steps-grid { grid-template-columns: 1fr; gap: 10px; }
    .step-card { padding: 18px 14px; }

    /* Footer */
    .footer-grid { grid-template-columns: 1fr; }

    /* Modal - centered on mobile */
    .modal-overlay { padding: 12px; align-items: center; }
    .modal {
        max-height: 92vh;
        margin: 0 auto;
        border-radius: var(--radius-xl);
        width: 100%;
        max-width: 100%;
    }
    .modal-header { padding: 20px 16px 0; }
    .modal-header h2 { font-size: 18px; }
    .modal-header p { font-size: 13px; }
    .modal-close { top: 12px; right: 12px; }
    .modal-calc-summary { flex-direction: row; gap: 12px; margin: 12px 16px 0; padding: 10px 14px; }
    .modal-summary-item { flex: 1; }

    /* Form */
    #applicationForm { padding: 14px 16px; }
    .form-group { margin-bottom: 12px; }
    .form-group label { font-size: 12px; }
    .form-group input { padding: 12px 14px; font-size: 15px; }
    .input-prefix .prefix { padding: 0 10px; font-size: 13px; }
    .form-submit { padding: 14px; font-size: 15px; }
    .form-badge { padding: 8px 16px 16px; font-size: 11px; }
    .form-checkbox label { font-size: 11px; }

    /* Loading modal */
    .loading-modal { padding: 32px 20px; }
    .loading-modal h2 { font-size: 18px; }
    .loading-modal p { font-size: 13px; }
    .loading-step { font-size: 13px; }

    /* Offers modal */
    .offers-modal { padding-bottom: 12px; }
    .offers-list { padding: 12px 16px 0; gap: 12px; }
    .offers-more { padding: 12px 16px 0; }
    .offers-disclaimer { padding: 12px 16px; }
    .offers-disclaimer p { font-size: 11px; }

    /* Offer card */
    .offer-card-inner { padding: 14px; }
    .offer-top { gap: 10px; }
    .offer-logo { width: 100px; height: 44px; padding: 4px 8px; }
    .offer-stats { grid-template-columns: 1fr 1fr; gap: 6px; }
    .offer-stat { padding: 8px 10px; }
    .offer-stat-label { font-size: 10px; }
    .offer-stat-value { font-size: 12px; }
    .offer-badge { margin-left: 0; }
    .offer-cta { padding: 14px; font-size: 15px; }
    .offer-rec-label { font-size: 11px; padding: 5px; }

    /* Sticky bar */
    .sticky-bar { padding: 8px 0; }
    .sticky-inner { gap: 8px; }
    .sticky-label { display: none; }
    .sticky-amount { font-size: 16px; }
    .sticky-term { font-size: 12px; }
    .sticky-cta { padding: 10px 18px; font-size: 13px; }

    /* MFO card */
    .mfo-card-left { padding: 12px; }
    .mfo-logo { padding: 12px 16px; }
    .mfo-logo img { max-height: 36px; }
    .mfo-detail-item { flex: 1 1 45%; }
    .mfo-detail-value { font-size: 13px; }
    .mfo-detail-label { font-size: 11px; }
    .mfo-card-right { flex-direction: column; padding: 12px; }
    .mfo-cta { width: 100%; min-width: auto; font-size: 15px; padding: 14px; }
    .mfo-card-top { flex-direction: column; align-items: flex-start; gap: 6px; }
    .mfo-badge { font-size: 11px; }
    .mfo-rrps-row { padding: 5px 10px; }
    .mfo-rrps-label, .mfo-rrps-value { font-size: 11px; }

    /* Blog components */
    .blog-article-header h1 { font-size: 22px; }
    .blog-step { padding: 12px; gap: 10px; }
    .blog-step-num { width: 30px; height: 30px; min-width: 30px; font-size: 13px; }
    .blog-example-params { grid-template-columns: 1fr; }
    .blog-example-result { flex-direction: column; text-align: center; gap: 4px; }
    .blog-example-result-value { font-size: 18px; }
    .blog-formula { padding: 14px 16px; }
    .blog-formula-text { font-size: 13px; }
    .blog-table { min-width: 280px; }
    .comparison-table { min-width: 400px; }

    /* Page hero */
    .page-hero { padding: 80px 0 28px; }
    .page-hero h1 { font-size: 22px; }
    .seo-hero h1 { font-size: 22px; }

    /* Benefit */
    .benefit-item { padding: 14px; gap: 12px; }
    .benefit-icon { width: 44px; height: 44px; font-size: 22px; }
    .benefit-item h3 { font-size: 15px; }
    .benefit-item p { font-size: 12px; }

    /* Condition */
    .condition-card { padding: 20px 16px; }
    .condition-icon { width: 56px; height: 56px; font-size: 24px; }
    .condition-card h3 { font-size: 16px; }
    .condition-card p { font-size: 13px; }

    /* CTA */
    .cta-section { padding: 40px 0; }
    .cta-section h2 { font-size: 20px; }
    .btn-cta { font-size: 15px; padding: 14px 24px; }

    /* FAQ */
    .faq-question { padding: 14px 16px; font-size: 14px; }
    .faq-toggle { width: 36px; height: 36px; font-size: 20px; }
    .faq-answer p, .faq-answer ul { font-size: 13px; padding: 0 16px 12px; }

    /* Highlight card */
    .highlight-card { padding: 28px 20px; }
    .highlight-number { font-size: 48px; }
    .highlight-text { font-size: 17px; }
}