/* ===================================
   BVBA-FINANCE - Feuille de style
   Design moderne et professionnel
   =================================== */

/* Reset & Base */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

:root {
    --primary: #0d3b36;
    --primary-light: #1a5a4f;
    --primary-dark: #062420;
    --accent: #e8a657;
    --accent-light: #f4c084;
    --accent-dark: #c4823e;
    --success: #2d8a5f;
    --danger: #c5423d;
    --text-dark: #1a2421;
    --text-gray: #556862;
    --text-light: #8a9690;
    --bg-white: #ffffff;
    --bg-light: #f6f9f7;
    --bg-gray: #eaf0ed;
    --border: #dde5e1;
    --shadow-sm: 0 2px 4px rgba(13, 59, 54, 0.06);
    --shadow-md: 0 4px 12px rgba(13, 59, 54, 0.08);
    --shadow-lg: 0 10px 30px rgba(13, 59, 54, 0.12);
    --shadow-xl: 0 20px 60px rgba(13, 59, 54, 0.18);
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-xl: 30px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --gradient-primary: linear-gradient(135deg, #0d3b36 0%, #1a5a4f 100%);
    --gradient-accent: linear-gradient(135deg, #e8a657 0%, #f4c084 100%);
    --gradient-hero: linear-gradient(135deg, rgba(13, 59, 54, 0.95) 0%, rgba(26, 90, 79, 0.88) 100%);
}

html {
    scroll-behavior: smooth;
}

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

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    color: inherit;
    text-decoration: none;
    transition: var(--transition);
}

button {
    font-family: inherit;
    cursor: pointer;
    border: none;
    background: none;
}

h1, h2, h3, h4, h5, h6 {
    font-family: 'Playfair Display', 'Georgia', serif;
    font-weight: 700;
    line-height: 1.2;
    color: var(--primary);
    letter-spacing: -0.02em;
}

h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); }
h2 { font-size: clamp(1.8rem, 4vw, 2.8rem); }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.7rem); }
h4 { font-size: 1.2rem; }

p {
    margin-bottom: 1rem;
    color: var(--text-gray);
}

.container {
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 24px;
}

.container-sm {
    max-width: 900px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ===== BUTTONS ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 32px;
    font-size: 0.95rem;
    font-weight: 600;
    border-radius: var(--radius-md);
    transition: var(--transition);
    cursor: pointer;
    white-space: nowrap;
    text-align: center;
}

.btn-primary {
    background: var(--gradient-accent);
    color: var(--primary);
    box-shadow: 0 4px 14px rgba(212, 175, 55, 0.4);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(212, 175, 55, 0.5);
}

.btn-secondary {
    background: var(--primary);
    color: var(--bg-white);
}

.btn-secondary:hover {
    background: var(--primary-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

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

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

.btn-outline-white {
    background: transparent;
    color: white;
    border: 2px solid rgba(255,255,255,0.6);
}

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

.btn-lg {
    padding: 18px 42px;
    font-size: 1.05rem;
}

/* ===== HEADER / NAVIGATION ===== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid transparent;
    transition: var(--transition);
}

.header.scrolled {
    box-shadow: var(--shadow-md);
    border-bottom-color: var(--border);
}

.nav {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 18px 0;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-family: 'Playfair Display', serif;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
}

.logo-icon {
    width: 42px;
    height: 42px;
    background: var(--gradient-primary);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent);
    font-size: 1.3rem;
    font-weight: 700;
    box-shadow: var(--shadow-md);
}

.logo-text {
    display: flex;
    flex-direction: column;
    line-height: 1;
}

.logo-text span:first-child {
    font-size: 1.4rem;
    letter-spacing: 1px;
}

.logo-text span:last-child {
    font-size: 0.65rem;
    letter-spacing: 3px;
    color: var(--accent-dark);
    font-family: 'Inter', sans-serif;
    font-weight: 600;
    margin-top: 2px;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 6px;
    list-style: none;
}

.nav-item {
    position: relative;
}

.nav-link {
    padding: 10px 16px;
    font-size: 0.92rem;
    font-weight: 500;
    color: var(--text-dark);
    border-radius: var(--radius-sm);
    transition: var(--transition);
    display: inline-block;
}

.nav-link:hover,
.nav-link.active {
    color: var(--primary);
    background: var(--bg-light);
}

.nav-item.dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-toggle::after {
    content: '▾';
    margin-left: 5px;
    font-size: 0.7rem;
    opacity: 0.6;
}

.dropdown-menu {
    position: absolute;
    top: calc(100% + 8px);
    left: 0;
    min-width: 260px;
    background: white;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-xl);
    padding: 12px;
    list-style: none;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: var(--transition);
    border: 1px solid var(--border);
}

.dropdown-menu a {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 12px 14px;
    border-radius: var(--radius-sm);
    color: var(--text-dark);
    font-size: 0.9rem;
    font-weight: 500;
    transition: var(--transition);
}

.dropdown-menu a:hover {
    background: var(--bg-light);
    color: var(--primary);
}

.dropdown-menu .menu-icon {
    width: 36px;
    height: 36px;
    background: var(--bg-light);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    color: var(--primary);
}

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

/* ===== LANGUAGE SWITCHER ===== */
.lang-switcher {
    position: relative;
    margin-right: 8px;
}

.lang-trigger {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 8px 12px;
    background: var(--bg-light);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: inherit;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--primary);
    cursor: pointer;
    transition: var(--transition);
}

.lang-trigger:hover {
    border-color: var(--primary);
    background: white;
}

.lang-trigger .lang-flag {
    font-size: 1.1rem;
    line-height: 1;
}

.lang-trigger .lang-arrow {
    font-size: 0.7rem;
    opacity: 0.6;
    transition: transform 0.2s;
}

.lang-switcher.open .lang-trigger .lang-arrow {
    transform: rotate(180deg);
}

.lang-menu {
    position: absolute;
    top: calc(100% + 8px);
    right: 0;
    min-width: 240px;
    max-height: 420px;
    overflow-y: auto;
    background: white;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--border);
    list-style: none;
    padding: 8px;
    margin: 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-8px);
    transition: var(--transition);
    z-index: 100;
}

.lang-switcher.open .lang-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.lang-option {
    display: flex;
    align-items: center;
    gap: 12px;
    width: 100%;
    padding: 10px 12px;
    background: none;
    border: none;
    border-radius: var(--radius-sm);
    font-family: inherit;
    font-size: 0.9rem;
    color: var(--text-dark);
    cursor: pointer;
    text-align: left;
    transition: var(--transition);
}

.lang-option:hover {
    background: var(--bg-light);
}

.lang-option.active {
    background: rgba(232, 166, 87, 0.12);
    color: var(--primary);
}

.lang-option .lang-flag {
    font-size: 1.4rem;
    line-height: 1;
    flex-shrink: 0;
}

.lang-info {
    display: flex;
    flex-direction: column;
    gap: 2px;
    flex: 1;
    min-width: 0;
}

.lang-name {
    font-weight: 600;
    font-size: 0.92rem;
    line-height: 1.2;
}

.lang-region {
    font-size: 0.75rem;
    color: var(--text-light);
    line-height: 1.2;
}

.lang-check {
    color: var(--accent-dark);
    font-weight: 700;
    font-size: 1rem;
}

.lang-menu::-webkit-scrollbar {
    width: 6px;
}
.lang-menu::-webkit-scrollbar-track {
    background: var(--bg-light);
}
.lang-menu::-webkit-scrollbar-thumb {
    background: var(--accent);
    border-radius: 3px;
}

@media (max-width: 768px) {
    .lang-switcher .lang-trigger .lang-code {
        display: none;
    }
    .lang-menu {
        right: -10px;
    }
}

.mobile-toggle {
    display: none;
    width: 40px;
    height: 40px;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 5px;
}

.mobile-toggle span {
    width: 24px;
    height: 2px;
    background: var(--primary);
    transition: var(--transition);
    display: block;
}

/* ===== HERO SECTION ===== */
.hero {
    position: relative;
    min-height: 92vh;
    display: flex;
    align-items: center;
    padding: 140px 0 80px;
    overflow: hidden;
    background: var(--primary);
}

.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: url('https://images.unsplash.com/photo-1554224155-8d04cb21cd6c?w=1920&q=80');
    background-size: cover;
    background-position: center;
    opacity: 0.25;
}

.hero::after {
    content: '';
    position: absolute;
    inset: 0;
    background: var(--gradient-hero);
}

.hero-container {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 60px;
    align-items: center;
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 24px;
    width: 100%;
}

.hero-content {
    color: white;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    background: rgba(212, 175, 55, 0.15);
    border: 1px solid rgba(212, 175, 55, 0.4);
    border-radius: 100px;
    color: var(--accent-light);
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 24px;
    letter-spacing: 0.5px;
}

.hero-badge::before {
    content: '★';
    color: var(--accent);
}

.hero h1 {
    color: white;
    margin-bottom: 24px;
    font-size: clamp(2.4rem, 5vw, 4rem);
}

.hero h1 .highlight {
    color: var(--accent);
    position: relative;
    display: inline-block;
}

.hero p.lead {
    font-size: 1.15rem;
    color: rgba(255,255,255,0.85);
    margin-bottom: 36px;
    max-width: 560px;
    line-height: 1.7;
}

.hero-buttons {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    margin-bottom: 48px;
}

.hero-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    padding-top: 32px;
    border-top: 1px solid rgba(255,255,255,0.15);
}

.stat-item {
    color: white;
}

.stat-number {
    font-family: 'Playfair Display', serif;
    font-size: 2.2rem;
    font-weight: 700;
    color: var(--accent);
    line-height: 1;
    margin-bottom: 6px;
}

.stat-label {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.7);
}

/* Hero Simulator Card */
.hero-card {
    background: white;
    border-radius: var(--radius-lg);
    padding: 36px;
    box-shadow: var(--shadow-xl);
    position: relative;
}

.hero-card h3 {
    font-size: 1.5rem;
    margin-bottom: 8px;
}

.hero-card .card-subtitle {
    color: var(--text-gray);
    font-size: 0.9rem;
    margin-bottom: 28px;
}

/* ===== SECTIONS ===== */
.section {
    padding: 100px 0;
}

.section-sm {
    padding: 60px 0;
}

.section-gray {
    background: var(--bg-light);
}

.section-primary {
    background: var(--gradient-primary);
    color: white;
}

.section-primary h2 {
    color: white;
}

.section-header {
    text-align: center;
    max-width: 720px;
    margin: 0 auto 64px;
}

.section-tag {
    display: inline-block;
    padding: 6px 14px;
    background: rgba(10, 37, 64, 0.08);
    color: var(--primary);
    border-radius: 100px;
    font-size: 0.8rem;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    margin-bottom: 16px;
}

.section-header p {
    font-size: 1.1rem;
    margin-top: 16px;
}

.section-primary .section-tag {
    background: rgba(212, 175, 55, 0.2);
    color: var(--accent);
}

.section-primary p {
    color: rgba(255,255,255,0.8);
}

/* ===== FEATURES / SERVICES ===== */
.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 28px;
}

.feature-card {
    background: white;
    padding: 36px 30px;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.feature-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gradient-accent);
    transform: scaleX(0);
    transform-origin: left;
    transition: var(--transition);
}

.feature-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: transparent;
}

.feature-card:hover::before {
    transform: scaleX(1);
}

.feature-icon {
    width: 60px;
    height: 60px;
    border-radius: var(--radius-md);
    background: var(--gradient-primary);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    color: var(--accent);
    font-size: 1.6rem;
}

.feature-card h3 {
    font-size: 1.35rem;
    margin-bottom: 12px;
    font-family: 'Inter', sans-serif;
    font-weight: 600;
}

.feature-card p {
    color: var(--text-gray);
    font-size: 0.95rem;
}

/* ===== LOAN CARDS ===== */
.loans-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(310px, 1fr));
    gap: 30px;
}

.loan-card {
    background: white;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
    transition: var(--transition);
    display: flex;
    flex-direction: column;
}

.loan-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
}

.loan-card-image {
    position: relative;
    height: 220px;
    overflow: hidden;
}

.loan-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.6s;
}

.loan-card:hover .loan-card-image img {
    transform: scale(1.08);
}

.loan-card-image::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(to top, rgba(10,37,64,0.4), transparent 50%);
}

.loan-card-tag {
    position: absolute;
    top: 16px;
    left: 16px;
    padding: 6px 14px;
    background: white;
    color: var(--primary);
    border-radius: 100px;
    font-size: 0.78rem;
    font-weight: 600;
    z-index: 2;
    box-shadow: var(--shadow-sm);
}

.loan-card-body {
    padding: 28px;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.loan-card-body h3 {
    font-size: 1.4rem;
    margin-bottom: 10px;
    font-family: 'Inter', sans-serif;
}

.loan-card-body p {
    color: var(--text-gray);
    font-size: 0.93rem;
    margin-bottom: 20px;
    flex: 1;
}

.loan-card-rate {
    display: flex;
    align-items: baseline;
    gap: 8px;
    margin-bottom: 20px;
    padding: 14px 16px;
    background: var(--bg-light);
    border-radius: var(--radius-sm);
}

.loan-card-rate .label {
    font-size: 0.8rem;
    color: var(--text-gray);
}

.loan-card-rate .value {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--primary);
    font-family: 'Playfair Display', serif;
}

.loan-card-rate .value small {
    font-size: 0.7rem;
    color: var(--text-gray);
    font-weight: 500;
}

.loan-card-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--primary);
    font-weight: 600;
    font-size: 0.92rem;
}

.loan-card-link::after {
    content: '→';
    transition: transform 0.3s;
}

.loan-card:hover .loan-card-link::after {
    transform: translateX(4px);
}

/* ===== SIMULATOR ===== */
.simulator {
    background: white;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    border: 1px solid var(--border);
}

.simulator-grid {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    min-height: 580px;
}

.simulator-form {
    padding: 48px;
}

.simulator-result {
    background: var(--gradient-primary);
    padding: 48px;
    color: white;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    position: relative;
    overflow: hidden;
}

.simulator-result::before {
    content: '';
    position: absolute;
    top: -100px;
    right: -100px;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(212,175,55,0.2) 0%, transparent 70%);
    border-radius: 50%;
}

.simulator h2, .simulator h3 {
    margin-bottom: 8px;
}

.form-group {
    margin-bottom: 24px;
}

.form-label {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 10px;
}

.form-label .value-display {
    font-weight: 700;
    color: var(--primary);
    font-size: 1rem;
    padding: 4px 12px;
    background: var(--bg-light);
    border-radius: var(--radius-sm);
}

.form-input,
.form-select {
    width: 100%;
    padding: 14px 18px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-size: 0.95rem;
    font-family: inherit;
    transition: var(--transition);
    background: white;
}

.form-input:focus,
.form-select:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 4px rgba(10, 37, 64, 0.08);
}

.input-group {
    position: relative;
}

.input-group .form-input {
    padding-right: 70px;
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--primary);
}

.input-suffix {
    position: absolute;
    right: 18px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--text-gray);
    font-weight: 600;
    pointer-events: none;
    font-size: 0.95rem;
}

input[type=number].form-input::-webkit-inner-spin-button,
input[type=number].form-input::-webkit-outer-spin-button {
    opacity: 0.4;
    height: 28px;
}

.range-labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.78rem;
    color: var(--text-light);
    margin-top: 6px;
}

.input-helper {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.8rem;
    color: var(--text-light);
    margin-top: 8px;
}

.input-helper .helper-equiv {
    color: var(--primary);
    font-weight: 600;
}

.result-title {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--accent);
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 8px;
}

.result-main {
    margin-bottom: 32px;
}

.result-label {
    font-size: 0.9rem;
    color: rgba(255,255,255,0.7);
    margin-bottom: 8px;
}

.result-value {
    font-family: 'Playfair Display', serif;
    font-size: 3.5rem;
    font-weight: 700;
    color: var(--accent);
    line-height: 1;
    margin-bottom: 8px;
}

.result-suffix {
    font-size: 1rem;
    color: rgba(255,255,255,0.7);
}

.result-hint {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 14px 18px;
    margin-bottom: 20px;
    background: rgba(232, 166, 87, 0.12);
    border: 1px dashed rgba(232, 166, 87, 0.45);
    border-radius: var(--radius-sm);
    color: rgba(255, 255, 255, 0.92);
    font-size: 0.88rem;
    line-height: 1.5;
}

.result-hint .hint-icon {
    color: var(--accent);
    font-size: 1rem;
    flex-shrink: 0;
    margin-top: 1px;
    animation: pulse-arrow 1.6s ease-in-out infinite;
}

@keyframes pulse-arrow {
    0%, 100% { transform: translateX(0); opacity: 0.7; }
    50% { transform: translateX(3px); opacity: 1; }
}

.result-hint strong {
    color: var(--accent);
    font-weight: 600;
}

.result-details {
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: var(--radius-md);
    padding: 24px;
    backdrop-filter: blur(10px);
}

.result-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 10px 0;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.result-row:last-child {
    border-bottom: none;
    padding-top: 14px;
    margin-top: 6px;
    border-top: 1px solid rgba(255,255,255,0.2);
}

.result-row-label {
    font-size: 0.88rem;
    color: rgba(255,255,255,0.75);
}

.result-row-value {
    font-size: 1rem;
    font-weight: 600;
    color: white;
}

.result-row:last-child .result-row-value {
    color: var(--accent);
    font-size: 1.15rem;
}

.result-cta {
    margin-top: 28px;
    position: relative;
    z-index: 2;
}

.loan-type-pills {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 24px;
}

.loan-pill {
    padding: 8px 14px;
    background: var(--bg-light);
    border: 1.5px solid var(--border);
    border-radius: 100px;
    font-size: 0.82rem;
    font-weight: 500;
    color: var(--text-gray);
    cursor: pointer;
    transition: var(--transition);
}

.loan-pill:hover {
    border-color: var(--primary);
    color: var(--primary);
}

.loan-pill.active {
    background: var(--primary);
    color: white;
    border-color: var(--primary);
}

/* ===== PAGE HERO (Inner pages) ===== */
.page-hero {
    position: relative;
    padding: 160px 0 100px;
    background: var(--primary);
    color: white;
    overflow: hidden;
}

.page-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    opacity: 0.2;
}

.page-hero::after {
    content: '';
    position: absolute;
    inset: 0;
    background: var(--gradient-hero);
}

.page-hero-content {
    position: relative;
    z-index: 2;
    max-width: 800px;
}

.page-hero h1 {
    color: white;
    margin-bottom: 20px;
}

.page-hero p {
    font-size: 1.15rem;
    color: rgba(255,255,255,0.85);
    max-width: 700px;
}

.breadcrumbs {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.88rem;
    color: rgba(255,255,255,0.7);
    margin-bottom: 20px;
}

.breadcrumbs a {
    color: var(--accent);
}

.breadcrumbs span {
    opacity: 0.5;
}

/* Page heros with specific loan type backgrounds */
.hero-personal::before { background-image: url('https://images.unsplash.com/photo-1579621970795-87facc2f976d?w=1920&q=80'); }
.hero-mortgage::before { background-image: url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?w=1920&q=80'); }
.hero-auto::before { background-image: url('https://images.unsplash.com/photo-1553440569-bcc63803a83d?w=1920&q=80'); }
.hero-business::before { background-image: url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?w=1920&q=80'); }
.hero-renovation::before { background-image: url('https://images.unsplash.com/photo-1503387762-592deb58ef4e?w=1920&q=80'); }
.hero-student::before { background-image: url('https://images.unsplash.com/photo-1523240795612-9a054b0db644?w=1920&q=80'); }
.hero-consolidation::before { background-image: url('https://images.unsplash.com/photo-1554224154-26032ffc0d07?w=1920&q=80'); }
.hero-simulator::before { background-image: url('https://images.unsplash.com/photo-1633158829585-23ba8f7c8caf?w=1920&q=80'); }
.hero-about::before { background-image: url('https://images.unsplash.com/photo-1497366216548-37526070297c?w=1920&q=80'); }
.hero-contact::before { background-image: url('https://images.unsplash.com/photo-1596524430615-b46475ddff6e?w=1920&q=80'); }
.hero-loans::before { background-image: url('https://images.unsplash.com/photo-1565514020179-026b92b84bb6?w=1920&q=80'); }

/* ===== CONTENT BLOCKS ===== */
.content-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 70px;
    align-items: center;
}

.content-image {
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
    aspect-ratio: 4/5;
}

.content-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.content-text h2 {
    margin-bottom: 20px;
}

.content-text p {
    font-size: 1.02rem;
    margin-bottom: 20px;
}

.feature-list {
    list-style: none;
    margin: 24px 0;
}

.feature-list li {
    position: relative;
    padding-left: 36px;
    margin-bottom: 16px;
    font-size: 1rem;
    color: var(--text-dark);
}

.feature-list li::before {
    content: '✓';
    position: absolute;
    left: 0;
    top: 0;
    width: 24px;
    height: 24px;
    background: var(--gradient-accent);
    color: var(--primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 0.85rem;
}

/* ===== STEPS / PROCESS ===== */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: 30px;
    position: relative;
}

.step-card {
    background: white;
    padding: 36px 28px;
    border-radius: var(--radius-md);
    text-align: center;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
    position: relative;
    transition: var(--transition);
}

.step-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.step-number {
    width: 50px;
    height: 50px;
    margin: 0 auto 20px;
    background: var(--gradient-accent);
    color: var(--primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Playfair Display', serif;
    font-size: 1.5rem;
    font-weight: 700;
}

.step-card h3 {
    font-size: 1.2rem;
    margin-bottom: 10px;
    font-family: 'Inter', sans-serif;
}

/* ===== TESTIMONIALS ===== */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
}

.testimonial-card {
    background: white;
    padding: 36px 32px;
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
    position: relative;
    transition: var(--transition);
}

.testimonial-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.testimonial-stars {
    color: var(--accent);
    font-size: 1.1rem;
    margin-bottom: 16px;
    letter-spacing: 2px;
}

.testimonial-text {
    font-size: 1rem;
    line-height: 1.7;
    color: var(--text-dark);
    margin-bottom: 24px;
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 14px;
}

.testimonial-avatar {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    object-fit: cover;
    border: 2px solid var(--accent);
}

.testimonial-info .name {
    font-weight: 600;
    color: var(--primary);
    font-size: 0.95rem;
}

.testimonial-info .role {
    font-size: 0.82rem;
    color: var(--text-gray);
}

/* ===== FAQ ===== */
.faq-list {
    max-width: 840px;
    margin: 0 auto;
}

.faq-item {
    background: white;
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    margin-bottom: 14px;
    overflow: hidden;
    transition: var(--transition);
}

.faq-item.active {
    box-shadow: var(--shadow-md);
    border-color: var(--primary);
}

.faq-question {
    width: 100%;
    padding: 22px 26px;
    text-align: left;
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--primary);
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
    transition: var(--transition);
}

.faq-question:hover {
    background: var(--bg-light);
}

.faq-toggle {
    width: 30px;
    height: 30px;
    background: var(--bg-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 1.2rem;
    transition: var(--transition);
    color: var(--primary);
}

.faq-item.active .faq-toggle {
    background: var(--gradient-accent);
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease;
}

.faq-answer-inner {
    padding: 0 26px 24px;
    color: var(--text-gray);
    line-height: 1.7;
}

/* ===== CTA SECTION ===== */
.cta-section {
    padding: 100px 0;
    background: var(--gradient-primary);
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url('https://images.unsplash.com/photo-1460925895917-afdab827c52f?w=1920&q=80');
    background-size: cover;
    background-position: center;
    opacity: 0.15;
}

.cta-content {
    position: relative;
    z-index: 2;
    text-align: center;
    color: white;
    max-width: 780px;
    margin: 0 auto;
}

.cta-content h2 {
    color: white;
    margin-bottom: 20px;
}

.cta-content p {
    font-size: 1.15rem;
    color: rgba(255,255,255,0.85);
    margin-bottom: 36px;
}

.cta-buttons {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ===== CONTACT FORM ===== */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.3fr;
    gap: 50px;
    align-items: start;
}

.contact-info {
    background: var(--gradient-primary);
    color: white;
    padding: 48px 40px;
    border-radius: var(--radius-lg);
    position: relative;
    overflow: hidden;
}

.contact-info::before {
    content: '';
    position: absolute;
    bottom: -100px;
    right: -100px;
    width: 280px;
    height: 280px;
    background: radial-gradient(circle, rgba(212,175,55,0.2), transparent 70%);
    border-radius: 50%;
}

.contact-info h3 {
    color: white;
    margin-bottom: 12px;
}

.contact-info > p {
    color: rgba(255,255,255,0.8);
    margin-bottom: 36px;
}

.contact-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 26px;
    position: relative;
    z-index: 2;
}

.contact-icon {
    width: 44px;
    height: 44px;
    background: rgba(212, 175, 55, 0.15);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--accent);
    font-size: 1.1rem;
    flex-shrink: 0;
}

.contact-item .label {
    font-size: 0.82rem;
    color: rgba(255,255,255,0.7);
    margin-bottom: 4px;
}

.contact-item .value {
    font-weight: 500;
    color: white;
    font-size: 0.98rem;
}

.contact-form {
    background: white;
    padding: 48px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

textarea.form-input {
    resize: vertical;
    min-height: 130px;
    font-family: inherit;
}

/* ===== FOOTER ===== */
.footer {
    background: #051a17;
    color: rgba(255,255,255,0.7);
    padding: 80px 0 30px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
    gap: 50px;
    margin-bottom: 50px;
}

.footer-brand .logo {
    color: white;
    margin-bottom: 20px;
}

.footer-brand p {
    color: rgba(255,255,255,0.6);
    font-size: 0.92rem;
    margin-bottom: 24px;
    line-height: 1.7;
}

.social-links {
    display: flex;
    gap: 12px;
}

.social-link {
    width: 40px;
    height: 40px;
    background: rgba(255,255,255,0.08);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.1rem;
    transition: var(--transition);
}

.social-link:hover {
    background: var(--gradient-accent);
    color: var(--primary);
    transform: translateY(-3px);
}

.footer h4 {
    color: white;
    font-family: 'Inter', sans-serif;
    font-size: 1.05rem;
    margin-bottom: 22px;
    font-weight: 600;
}

.footer-links {
    list-style: none;
}

.footer-links li {
    margin-bottom: 12px;
}

.footer-links a {
    color: rgba(255,255,255,0.6);
    font-size: 0.92rem;
    transition: var(--transition);
}

.footer-links a:hover {
    color: var(--accent);
    padding-left: 5px;
}

.footer-contact p {
    font-size: 0.92rem;
    color: rgba(255,255,255,0.6);
    margin-bottom: 12px;
    display: flex;
    align-items: flex-start;
    gap: 10px;
}

.footer-contact p::before {
    content: '';
    width: 3px;
    height: 3px;
    background: var(--accent);
    border-radius: 50%;
    margin-top: 9px;
    flex-shrink: 0;
}

.footer-bottom {
    padding-top: 30px;
    border-top: 1px solid rgba(255,255,255,0.1);
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 16px;
    font-size: 0.85rem;
    color: rgba(255,255,255,0.5);
}

.footer-bottom a {
    color: rgba(255,255,255,0.7);
    margin-left: 20px;
}

.footer-bottom a:hover {
    color: var(--accent);
}

/* ===== RATES TABLE ===== */
.rates-table {
    width: 100%;
    background: white;
    border-radius: var(--radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    border-collapse: collapse;
}

.rates-table th {
    background: var(--primary);
    color: white;
    padding: 18px 24px;
    text-align: left;
    font-weight: 600;
    font-size: 0.92rem;
}

.rates-table td {
    padding: 18px 24px;
    border-bottom: 1px solid var(--border);
    color: var(--text-dark);
    font-size: 0.95rem;
}

.rates-table tr:last-child td {
    border-bottom: none;
}

.rates-table tr:hover {
    background: var(--bg-light);
}

.rate-value {
    font-weight: 700;
    color: var(--primary);
    font-family: 'Playfair Display', serif;
}

/* ===== BENEFITS GRID (used on loan pages) ===== */
.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 24px;
}

.benefit-card {
    text-align: center;
    padding: 30px 24px;
    border-radius: var(--radius-md);
    background: var(--bg-light);
    transition: var(--transition);
}

.benefit-card:hover {
    background: white;
    box-shadow: var(--shadow-md);
    transform: translateY(-3px);
}

.benefit-icon {
    width: 60px;
    height: 60px;
    margin: 0 auto 16px;
    background: var(--gradient-accent);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    font-size: 1.5rem;
    font-weight: 700;
}

.benefit-card h4 {
    margin-bottom: 10px;
    color: var(--primary);
}

.benefit-card p {
    font-size: 0.9rem;
}

/* ===== ALERT / NOTICE ===== */
.notice {
    padding: 16px 22px;
    background: rgba(212, 175, 55, 0.12);
    border-left: 4px solid var(--accent);
    border-radius: var(--radius-sm);
    margin: 24px 0;
    color: var(--text-dark);
    font-size: 0.93rem;
    line-height: 1.6;
}

.notice strong {
    color: var(--primary);
}

/* ===== AMORTIZATION SCHEDULE ===== */
.amortization {
    background: white;
    border-radius: var(--radius-lg);
    padding: 40px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border);
}

.amortization-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    flex-wrap: wrap;
    gap: 20px;
    margin-bottom: 28px;
    padding-bottom: 24px;
    border-bottom: 2px solid var(--border);
}

.amortization-header h3 {
    margin-bottom: 6px;
    font-family: 'Inter', sans-serif;
    font-size: 1.4rem;
}

.amortization-header p {
    margin-bottom: 0;
    font-size: 0.92rem;
}

.action-buttons {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
}

.btn-sm {
    padding: 10px 18px;
    font-size: 0.88rem;
}

.amortization-summary {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 14px;
    margin-bottom: 28px;
}

.summary-card {
    padding: 16px 20px;
    background: var(--bg-light);
    border-radius: var(--radius-sm);
    border-left: 3px solid var(--accent);
}

.summary-card .label {
    font-size: 0.75rem;
    color: var(--text-gray);
    text-transform: uppercase;
    letter-spacing: 1.2px;
    margin-bottom: 6px;
    font-weight: 600;
}

.summary-card .value {
    font-family: 'Playfair Display', serif;
    font-size: 1.35rem;
    font-weight: 700;
    color: var(--primary);
    line-height: 1.2;
}

.amortization-table-wrap {
    max-height: 540px;
    overflow-y: auto;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    background: white;
}

.amortization-table-wrap::-webkit-scrollbar {
    width: 10px;
}
.amortization-table-wrap::-webkit-scrollbar-track {
    background: var(--bg-light);
}
.amortization-table-wrap::-webkit-scrollbar-thumb {
    background: var(--primary-light);
    border-radius: 5px;
}

.amortization-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.9rem;
    font-variant-numeric: tabular-nums;
}

.amortization-table thead th {
    position: sticky;
    top: 0;
    background: var(--primary);
    color: white;
    padding: 14px 18px;
    text-align: left;
    font-weight: 600;
    font-size: 0.85rem;
    letter-spacing: 0.3px;
    z-index: 1;
}

.amortization-table thead th:first-child {
    text-align: center;
}

.amortization-table thead th.right {
    text-align: right;
}

.amortization-table tbody td {
    padding: 11px 18px;
    border-bottom: 1px solid var(--border);
    color: var(--text-dark);
}

.amortization-table tbody tr:nth-child(even) {
    background: var(--bg-light);
}

.amortization-table tbody tr:hover {
    background: rgba(232, 166, 87, 0.10);
}

.amortization-table tbody tr.year-marker td {
    background: rgba(13, 59, 54, 0.05);
    border-top: 2px solid var(--accent);
    font-weight: 600;
}

.amortization-table .col-num {
    font-weight: 600;
    color: var(--primary);
    text-align: center;
    width: 60px;
}

.amortization-table .col-date {
    color: var(--text-gray);
    width: 120px;
}

.amortization-table .right {
    text-align: right;
}

.amortization-table .col-balance {
    font-weight: 600;
    color: var(--primary);
}

.schedule-footer {
    margin-top: 18px;
    padding-top: 18px;
    border-top: 1px solid var(--border);
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 12px;
    font-size: 0.85rem;
    color: var(--text-light);
}

.schedule-footer strong {
    color: var(--primary);
}

/* ===== PRINT STYLES ===== */
@media print {
    .header, .footer, .nav-cta, .mobile-toggle, .cta-section,
    .page-hero, .section-header, .action-buttons, .btn,
    .simulator-form, .loan-pill, .features-grid, .benefits-grid,
    .faq-list, .notice, .input-helper, body > section:not(#amortization-section) {
        display: none !important;
    }
    body { background: white; padding: 20px; }
    .amortization { box-shadow: none; border: none; padding: 0; }
    .amortization-table-wrap { max-height: none; overflow: visible; border: none; }
    .amortization-table { font-size: 10pt; }
    .amortization-table thead th { background: #0d3b36 !important; color: white !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
    .amortization-table tbody tr { page-break-inside: avoid; }
    .summary-card { background: #f6f9f7 !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
}

/* ===== MODAL (Loan Request) ===== */
.modal-overlay {
    position: fixed;
    inset: 0;
    background: rgba(6, 36, 32, 0.78);
    backdrop-filter: blur(4px);
    display: none;
    align-items: flex-start;
    justify-content: center;
    padding: 40px 16px;
    overflow-y: auto;
    z-index: 2000;
    opacity: 0;
    transition: opacity 0.25s ease;
}

.modal-overlay.open {
    display: flex;
    opacity: 1;
}

.modal-card {
    position: relative;
    width: 100%;
    max-width: 760px;
    background: white;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
    transform: translateY(20px);
    transition: transform 0.3s ease;
    margin: auto;
}

.modal-overlay.open .modal-card {
    transform: translateY(0);
}

.modal-close {
    position: absolute;
    top: 14px;
    right: 14px;
    width: 38px;
    height: 38px;
    border-radius: 50%;
    background: rgba(255,255,255,0.18);
    color: white;
    font-size: 1.5rem;
    line-height: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
    z-index: 5;
    cursor: pointer;
}

.modal-close:hover {
    background: rgba(255,255,255,0.32);
    transform: rotate(90deg);
}

.modal-header {
    background: var(--gradient-primary);
    color: white;
    padding: 32px 36px 28px;
    position: relative;
}

.modal-header::after {
    content: '';
    position: absolute;
    top: -60px;
    right: -60px;
    width: 200px;
    height: 200px;
    background: radial-gradient(circle, rgba(232,166,87,0.25), transparent 70%);
    border-radius: 50%;
}

.modal-header h2 {
    color: white;
    margin-bottom: 6px;
    font-size: 1.6rem;
    position: relative;
    z-index: 1;
}

.modal-header p {
    color: rgba(255,255,255,0.85);
    margin: 0;
    font-size: 0.95rem;
    position: relative;
    z-index: 1;
}

.modal-body {
    padding: 28px 36px 36px;
    max-height: calc(100vh - 200px);
    overflow-y: auto;
}

.modal-section-title {
    font-family: 'Inter', sans-serif;
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--primary);
    margin: 8px 0 16px;
    padding-bottom: 8px;
    border-bottom: 2px solid var(--accent);
    text-transform: uppercase;
    letter-spacing: 1px;
}

.modal-section-title:not(:first-child) {
    margin-top: 28px;
}

/* Sim summary grid in the modal */
.lr-sim-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(170px, 1fr));
    gap: 10px;
    margin-bottom: 14px;
}

.lr-sim-cell {
    background: var(--bg-light);
    border-left: 3px solid var(--border);
    padding: 12px 14px;
    border-radius: var(--radius-sm);
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.lr-sim-cell.highlight {
    background: rgba(232, 166, 87, 0.12);
    border-left-color: var(--accent);
}

.lr-sim-label {
    font-size: 0.72rem;
    color: var(--text-gray);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    font-weight: 600;
}

.lr-sim-value {
    font-family: 'Playfair Display', serif;
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--primary);
}

.lr-sim-cell.highlight .lr-sim-value {
    color: var(--accent-dark);
    font-size: 1.25rem;
}

/* Inline status feedback */
.lr-status {
    margin: 16px 0;
    padding: 0 16px;
    border-radius: var(--radius-sm);
    font-size: 0.92rem;
    line-height: 1.5;
    overflow: hidden;
    max-height: 0;
    transition: all 0.3s ease;
}

.lr-status.show {
    padding: 14px 16px;
    max-height: 200px;
}

.lr-status.success {
    background: rgba(45, 138, 95, 0.12);
    border-left: 4px solid var(--success);
    color: #1a5d3f;
}

.lr-status.error {
    background: rgba(197, 66, 61, 0.10);
    border-left: 4px solid var(--danger);
    color: #8a2d29;
}

.lr-status .status-title {
    font-weight: 700;
    margin-bottom: 4px;
    display: block;
}

@media (max-width: 640px) {
    .modal-overlay { padding: 0; }
    .modal-card { border-radius: 0; min-height: 100vh; max-width: none; }
    .modal-header { padding: 28px 22px 24px; }
    .modal-body { padding: 22px; max-height: none; }
    .modal-header h2 { font-size: 1.35rem; }
    .lr-sim-grid { grid-template-columns: 1fr 1fr; }
}

body.modal-open { overflow: hidden; }

/* ===== ANIMATIONS ===== */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.fade-in-up {
    animation: fadeInUp 0.8s ease forwards;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
    .hero-container,
    .simulator-grid,
    .content-grid,
    .contact-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .simulator-form,
    .simulator-result {
        padding: 36px 32px;
    }

    .content-image {
        aspect-ratio: 16/10;
        max-width: 560px;
        margin: 0 auto;
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 40px;
    }

    .hero-stats {
        grid-template-columns: repeat(3, 1fr);
        gap: 16px;
    }
}

@media (max-width: 768px) {
    .nav-menu {
        position: fixed;
        top: 76px;
        left: 0;
        right: 0;
        background: white;
        flex-direction: column;
        align-items: stretch;
        padding: 24px;
        gap: 4px;
        box-shadow: var(--shadow-lg);
        transform: translateX(-100%);
        transition: transform 0.3s;
        max-height: calc(100vh - 76px);
        overflow-y: auto;
    }

    .nav-menu.active {
        transform: translateX(0);
    }

    .nav-link {
        padding: 14px 18px;
    }

    .nav-cta .btn {
        padding: 10px 18px;
        font-size: 0.88rem;
    }

    .nav-cta .btn-outline {
        display: none;
    }

    .mobile-toggle {
        display: flex;
    }

    .dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        padding: 8px 0 8px 20px;
        margin-top: 6px;
        max-height: 0;
        overflow: hidden;
        transition: max-height 0.3s;
    }

    .nav-item.dropdown.open .dropdown-menu {
        max-height: 600px;
    }

    .hero {
        padding: 120px 0 60px;
    }

    .hero-stats {
        grid-template-columns: 1fr 1fr;
    }

    .section {
        padding: 70px 0;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }

    .footer-bottom a {
        margin: 0 10px;
    }

    .contact-info,
    .contact-form {
        padding: 32px 24px;
    }

    .simulator-form,
    .simulator-result {
        padding: 32px 24px;
    }

    .result-value {
        font-size: 2.8rem;
    }

    .page-hero {
        padding: 120px 0 70px;
    }
}

@media (max-width: 480px) {
    .hero-buttons {
        flex-direction: column;
    }

    .btn {
        width: 100%;
        justify-content: center;
    }

    .nav-cta .btn {
        width: auto;
    }
}