/* ============================================================
   GetPermit — premium relocation consulting
   Design tokens + base styles + components
   ============================================================ */

:root {
  /* Brand palette */
  --navy-900: #0a1424;
  --navy-800: #0d1b2a;
  --navy-700: #122339;
  --navy-600: #1b2d44;
  --navy-500: #2a4060;
  --gold-500: #c9a35e;
  --gold-400: #d9b87a;
  --gold-300: #e7cf9d;
  --gold-200: #f1e2c1;
  --ivory: #f8f5ee;
  --paper: #fdfbf6;
  --white: #ffffff;
  --text: #131c2c;
  --muted: #5b6776;
  --line: rgba(13, 27, 42, 0.10);
  --line-strong: rgba(13, 27, 42, 0.18);
  --shadow-sm: 0 2px 6px rgba(13, 27, 42, 0.06);
  --shadow-md: 0 12px 30px rgba(13, 27, 42, 0.10);
  --shadow-lg: 0 24px 60px rgba(13, 27, 42, 0.16);

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --radius-xl: 32px;

  --container: 1200px;
  --nav-h: 76px;

  --font-body: "Inter", "Manrope", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --font-display: "Manrope", "Inter", system-ui, sans-serif;
}

* { box-sizing: border-box; }

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

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  color: var(--text);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

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

a { color: inherit; text-decoration: none; }

button { font-family: inherit; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 700;
  letter-spacing: -0.02em;
  margin: 0 0 0.5em;
  color: var(--navy-900);
}

h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); line-height: 1.05; letter-spacing: -0.03em; }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.5rem); line-height: 1.15; }
h3 { font-size: clamp(1.2rem, 2vw, 1.45rem); line-height: 1.25; }
h4 { font-size: 1.05rem; line-height: 1.35; }

p { margin: 0 0 1em; }

::selection { background: var(--gold-300); color: var(--navy-900); }

/* ============================================================
   Layout
   ============================================================ */

.container {
  width: min(var(--container), 92%);
  margin: 0 auto;
  position: relative;
}

.section { padding: clamp(4rem, 8vw, 7rem) 0; }
.section[id] { scroll-margin-top: calc(var(--nav-h) + 12px); }
.section-head { text-align: center; max-width: 760px; margin: 0 auto 3rem; }
.section-head .kicker { margin-bottom: 1rem; }
.section-head p { color: var(--muted); font-size: 1.05rem; }

.kicker {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-500);
  padding: 0.35rem 0.8rem;
  border: 1px solid rgba(201, 163, 94, 0.35);
  border-radius: 999px;
  background: rgba(201, 163, 94, 0.08);
}

.lead { font-size: 1.12rem; color: var(--muted); max-width: 60ch; }

.muted { color: var(--muted); }

/* ============================================================
   Buttons
   ============================================================ */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.95rem 1.6rem;
  font-weight: 600;
  font-size: 0.97rem;
  letter-spacing: 0.01em;
  border-radius: 999px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.25s ease, background 0.25s ease, color 0.25s ease, border-color 0.25s ease;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }

.btn-primary {
  background: linear-gradient(180deg, var(--gold-400), var(--gold-500));
  color: var(--navy-900);
  box-shadow: 0 12px 26px rgba(201, 163, 94, 0.30);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 38px rgba(201, 163, 94, 0.42);
}

.btn-ghost {
  background: transparent;
  color: var(--navy-900);
  border-color: var(--line-strong);
}
.btn-ghost:hover { background: var(--navy-900); color: var(--gold-300); border-color: var(--navy-900); }

.btn-light {
  background: rgba(255,255,255,0.08);
  color: #fff;
  border-color: rgba(255,255,255,0.18);
  backdrop-filter: blur(6px);
}
.btn-light:hover { background: rgba(255,255,255,0.16); border-color: rgba(255,255,255,0.32); }

.btn-lg { padding: 1.05rem 1.9rem; font-size: 1rem; }
.btn-sm { padding: 0.6rem 1rem; font-size: 0.86rem; }

.arrow-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: var(--gold-500);
  font-weight: 600;
  letter-spacing: 0.01em;
}
.arrow-link::after {
  content: "→";
  transition: transform 0.2s ease;
}
.arrow-link:hover::after { transform: translateX(4px); }

/* ============================================================
   Navigation
   ============================================================ */

.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  z-index: 100;
  background: rgba(253, 251, 246, 0.78);
  backdrop-filter: saturate(150%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: background 0.25s ease, border-color 0.25s ease, box-shadow 0.25s ease;
}
.nav.is-scrolled {
  background: rgba(253, 251, 246, 0.96);
  border-bottom-color: var(--line);
  box-shadow: 0 6px 24px rgba(13, 27, 42, 0.06);
}
.nav-inner {
  width: min(var(--container), 92%);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.15rem;
  letter-spacing: 0.02em;
  color: var(--navy-900);
}
.brand-mark {
  width: 40px; height: 40px;
  display: block;
  flex-shrink: 0;
  border-radius: 50%;
  filter: drop-shadow(0 4px 10px rgba(13, 27, 42, 0.25));
}
img.brand-mark { object-fit: contain; background: transparent; }
.brand-name b { font-weight: 800; }
.brand-name span { color: var(--gold-500); font-weight: 700; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 1.6rem;
  list-style: none;
  margin: 0; padding: 0;
}
.nav-links a {
  font-weight: 500;
  font-size: 0.95rem;
  color: var(--text);
  position: relative;
  padding: 0.4rem 0;
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--gold-500); }
.nav-links a.active { color: var(--gold-500); }
.nav-links a.active::after {
  content: ""; position: absolute;
  left: 0; right: 0; bottom: -2px;
  height: 2px; background: var(--gold-400);
  border-radius: 2px;
}

.has-dropdown { position: relative; }
.has-dropdown > a::after {
  content: "▾";
  font-size: 0.65rem;
  margin-left: 4px;
  opacity: 0.6;
}
.dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 50%;
  transform: translateX(-50%) translateY(6px);
  min-width: 250px;
  padding: 0.6rem;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  list-style: none;
  margin: 0;
  opacity: 0; visibility: hidden;
  transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s ease;
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1; visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.dropdown li a {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.6rem 0.7rem;
  border-radius: var(--radius-sm);
  font-size: 0.93rem;
  color: var(--text);
}
.dropdown li a:hover { background: var(--ivory); color: var(--navy-900); }
.dropdown li a .dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--gold-400);
}
.dropdown li.divider {
  height: 1px;
  background: var(--line);
  margin: 0.5rem 0.7rem;
  pointer-events: none;
}
.dropdown li.group-label {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
  padding: 0.4rem 0.7rem 0.3rem;
  pointer-events: none;
}

.nav-cta { display: inline-flex; align-items: center; gap: 0.6rem; }

.burger {
  display: none;
  width: 40px; height: 40px;
  background: transparent;
  border: 1px solid var(--line-strong);
  border-radius: 10px;
  padding: 9px 8px;
  cursor: pointer;
}
.burger span {
  display: block; height: 2px; width: 100%;
  background: var(--navy-900); border-radius: 2px;
  transition: transform 0.3s ease, opacity 0.3s ease;
}
.burger span + span { margin-top: 5px; }
.burger.is-open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger.is-open span:nth-child(2) { opacity: 0; }
.burger.is-open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-menu {
  position: fixed;
  inset: var(--nav-h) 0 0 0;
  background: var(--paper);
  z-index: 90;
  padding: 2rem 1.5rem;
  transform: translateY(-100%);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  overflow-y: auto;
}
.mobile-menu.is-open { transform: translateY(0); }
.mobile-menu ul { list-style: none; padding: 0; margin: 0; }
.mobile-menu li { border-bottom: 1px solid var(--line); }
.mobile-menu li a {
  display: block;
  padding: 1.1rem 0.4rem;
  font-size: 1.1rem;
  font-weight: 500;
  color: var(--navy-900);
}
.mobile-menu .group-title {
  padding: 1.1rem 0.4rem 0.4rem;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-500);
}
.mobile-menu .mobile-cta { margin-top: 1.5rem; }

/* ============================================================
   Hero
   ============================================================ */

.hero {
  position: relative;
  padding: calc(var(--nav-h) + 4rem) 0 5rem;
  background: radial-gradient(120% 80% at 80% 0%, #1c3050 0%, #0a1424 55%, #060d18 100%);
  color: #f5efe2;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute; inset: 0;
  background:
    radial-gradient(50% 60% at 90% 20%, rgba(201, 163, 94, 0.18) 0%, transparent 70%),
    radial-gradient(40% 50% at 0% 80%, rgba(201, 163, 94, 0.08) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse at 50% 30%, black 30%, transparent 75%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 4rem;
  align-items: center;
  position: relative;
  z-index: 2;
}
.hero h1 { color: #fff; }
.hero h1 .accent {
  background: linear-gradient(120deg, var(--gold-400), var(--gold-300));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  font-style: italic;
}
.hero .lead { color: rgba(245, 239, 226, 0.78); font-size: 1.18rem; max-width: 52ch; }
.hero-actions {
  margin-top: 2rem;
  display: flex; flex-wrap: wrap;
  gap: 0.8rem;
}
.hero-stats {
  margin-top: 3rem;
  display: grid;
  grid-template-columns: repeat(3, minmax(0,1fr));
  gap: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.10);
  padding-top: 2rem;
}
.hero-stats .stat { color: rgba(255,255,255,0.85); }
.hero-stats .stat b {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--gold-400);
  margin-bottom: 0.15rem;
}
.hero-stats .stat span { font-size: 0.86rem; opacity: 0.7; }

.hero-visual {
  position: relative;
  aspect-ratio: 1 / 1;
  background: transparent;
  border: 0;
  box-shadow: none;
  transform: translateY(0);
  animation: heroFloat 6s ease-in-out infinite;
  display: grid;
  place-items: center;
}
.hero-logo {
  width: 100%;
  height: 100%;
  max-width: 480px;
  display: block;
  filter:
    drop-shadow(0 0 40px rgba(201, 163, 94, 0.12))
    drop-shadow(0 8px 24px rgba(13, 27, 42, 0.45));
  position: relative;
  z-index: 1;
}
.hero-badge {
  position: absolute;
  bottom: 1.4rem; left: 1.4rem; right: 1.4rem;
  background: rgba(13, 27, 42, 0.65);
  backdrop-filter: blur(14px);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-md);
  padding: 1rem 1.2rem;
  display: flex;
  align-items: center;
  gap: 1rem;
  color: #fff;
}
.hero-badge .pulse {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: #4ade80;
  box-shadow: 0 0 0 0 rgba(74, 222, 128, 0.6);
  animation: pulse 1.8s ease-out infinite;
  flex-shrink: 0;
}
.hero-badge b { display: block; font-size: 0.95rem; font-weight: 700; }
.hero-badge span { font-size: 0.82rem; opacity: 0.75; }

@keyframes heroFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}
@keyframes pulse {
  0% { box-shadow: 0 0 0 0 rgba(74, 222, 128, 0.6); }
  70% { box-shadow: 0 0 0 12px rgba(74, 222, 128, 0); }
  100% { box-shadow: 0 0 0 0 rgba(74, 222, 128, 0); }
}

/* Page hero (smaller, used on inner pages) */
.page-hero {
  position: relative;
  padding: calc(var(--nav-h) + 4rem) 0 4.5rem;
  background:
    radial-gradient(120% 80% at 80% 0%, #1c3050 0%, #0a1424 60%, #060d18 100%);
  color: #fff;
  overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse at 60% 40%, black 30%, transparent 80%);
  pointer-events: none;
}
.page-hero .container { position: relative; z-index: 2; }
.page-hero h1 { color: #fff; max-width: 18ch; }
.page-hero .lead { color: rgba(255,255,255,0.78); max-width: 60ch; }
.breadcrumbs {
  display: flex; flex-wrap: wrap;
  gap: 0.4rem;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 1.2rem;
}
.breadcrumbs a { color: rgba(255,255,255,0.75); }
.breadcrumbs a:hover { color: var(--gold-400); }
.breadcrumbs span.sep { opacity: 0.4; }

.page-hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 3rem;
  align-items: center;
  position: relative;
  z-index: 2;
}
.page-hero-meta {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
  margin-top: 2rem;
}
.page-hero-meta .meta-item {
  padding: 1rem 1.2rem;
  border-radius: var(--radius-md);
  border: 1px solid rgba(255,255,255,0.12);
  background: rgba(255,255,255,0.04);
}
.page-hero-meta .meta-item b {
  display: block;
  font-family: var(--font-display);
  color: var(--gold-400);
  font-size: 1.3rem;
  margin-bottom: 0.2rem;
}
.page-hero-meta .meta-item span { font-size: 0.86rem; opacity: 0.75; }

.page-hero-visual {
  aspect-ratio: 4/5;
  border-radius: var(--radius-xl);
  overflow: hidden;
  border: 1px solid rgba(255,255,255,0.10);
  box-shadow: var(--shadow-lg);
  background-size: cover;
  background-position: center;
}

/* ============================================================
   Trust strip
   ============================================================ */

.trust-strip {
  padding: 2.5rem 0;
  background: var(--ivory);
  border-bottom: 1px solid var(--line);
}
.trust-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.trust-item {
  text-align: center;
}
.trust-item b {
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.4rem);
  color: var(--navy-900);
  display: block;
  font-weight: 800;
  letter-spacing: -0.02em;
}
.trust-item span {
  font-size: 0.88rem;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

/* ============================================================
   Service cards
   ============================================================ */

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.4rem;
}
.service-card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 1.8rem 1.6rem 1.6rem;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  text-decoration: none;
  color: inherit;
  overflow: hidden;
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}
.service-card::before {
  content: "";
  position: absolute;
  inset: -1px -1px auto -1px;
  height: 4px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: rgba(201, 163, 94, 0.4);
}
.service-card:hover::before { transform: scaleX(1); }
.service-card .icon {
  width: 52px; height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
  color: var(--gold-400);
  display: grid; place-items: center;
  margin-bottom: 1.2rem;
  flex-shrink: 0;
}
.service-card .icon svg { width: 24px; height: 24px; stroke: currentColor; fill: none; stroke-width: 1.8; }
.service-card h3 { margin-bottom: 0.5rem; }
.service-card p { color: var(--muted); margin-bottom: 1.4rem; flex: 1; font-size: 0.96rem; }
.service-card .more {
  color: var(--gold-500);
  font-weight: 600;
  font-size: 0.92rem;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}
.service-card .more::after { content: "→"; transition: transform 0.2s; }
.service-card:hover .more::after { transform: translateX(4px); }

/* "We do everything" full-width premium card */
.service-card.all-services {
  grid-column: 1 / -1;
  flex-direction: row;
  align-items: center;
  gap: 1.6rem;
  padding: 1.5rem 1.8rem;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
  color: #fff;
  border-color: transparent;
}
.service-card.all-services::before { background: linear-gradient(90deg, var(--gold-400), var(--gold-300)); }
.service-card.all-services .icon {
  background: rgba(201, 163, 94, 0.15);
  width: 60px;
  height: 60px;
  flex-shrink: 0;
  margin-bottom: 0;
}
.service-card.all-services .icon svg {
  color: var(--gold-300);
  width: 28px;
  height: 28px;
  fill: currentColor;
  stroke: none;
}
.service-card.all-services .all-services-body { flex: 1; }
.service-card.all-services h3 {
  color: #fff;
  margin-bottom: 0.35rem;
  font-size: 1.2rem;
}
.service-card.all-services p {
  color: rgba(255, 255, 255, 0.78);
  margin: 0;
  font-size: 0.97rem;
  flex: unset;
}
.service-card.all-services p strong { color: var(--gold-300); }
.service-card.all-services .more {
  color: var(--gold-300);
  align-self: center;
  white-space: nowrap;
  flex-shrink: 0;
}
@media (max-width: 720px) {
  .service-card.all-services {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.9rem;
    padding: 1.6rem;
  }
  .service-card.all-services .more { align-self: flex-start; }
}

/* ============================================================
   Why us
   ============================================================ */

.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 1.5rem;
}
.why-item {
  padding: 1.8rem 1.6rem;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  transition: transform 0.3s ease, border-color 0.3s ease;
}
.why-item:hover {
  transform: translateY(-4px);
  border-color: rgba(201, 163, 94, 0.4);
}
.why-item .num {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--gold-500);
  margin-bottom: 1rem;
  letter-spacing: 0.05em;
}
.why-item h3 { margin-bottom: 0.5rem; }
.why-item p { color: var(--muted); font-size: 0.96rem; margin: 0; }

/* ============================================================
   Process steps
   ============================================================ */

.process {
  background: var(--navy-900);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.process::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(50% 70% at 70% 30%, rgba(201, 163, 94, 0.10), transparent 70%);
  pointer-events: none;
}
.process .container { position: relative; z-index: 2; }
.process h2 { color: #fff; }
.process .section-head p { color: rgba(255,255,255,0.7); }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.2rem;
  counter-reset: step;
}
.step {
  position: relative;
  padding: 1.8rem 1.5rem 1.5rem;
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--radius-lg);
  background: rgba(255,255,255,0.03);
  transition: background 0.3s ease, border-color 0.3s ease;
}
.step:hover {
  background: rgba(201, 163, 94, 0.06);
  border-color: rgba(201, 163, 94, 0.4);
}
.step .step-num {
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--gold-400);
  line-height: 1;
  margin-bottom: 1rem;
  display: block;
}
.step h3 { color: #fff; font-size: 1.1rem; margin-bottom: 0.5rem; }
.step p { font-size: 0.92rem; color: rgba(255,255,255,0.7); margin: 0; }

/* ============================================================
   Testimonials carousel
   ============================================================ */

.testimonials { background: var(--ivory); }
.testimonial-track-wrap {
  position: relative;
  overflow: hidden;
  padding: 0.5rem 0;
}
.testimonial-track {
  display: flex;
  gap: 1.4rem;
  transition: transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
  will-change: transform;
}
.testimonial {
  flex: 0 0 calc(33.333% - 0.94rem);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 2rem 1.8rem 1.6rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}
.testimonial .stars {
  color: var(--gold-500);
  margin-bottom: 1rem;
  letter-spacing: 0.1em;
  font-size: 1rem;
}
.testimonial blockquote {
  margin: 0 0 1.4rem;
  font-size: 1rem;
  color: var(--text);
  line-height: 1.6;
  font-style: italic;
}
.testimonial blockquote::before { content: "“"; font-family: var(--font-display); font-size: 2rem; color: var(--gold-400); display: block; line-height: 0.4; margin-bottom: 0.5rem; }
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  margin-top: auto;
  padding-top: 1rem;
  border-top: 1px solid var(--line);
}
.testimonial-author .avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-700), var(--navy-500));
  color: var(--gold-300);
  display: grid; place-items: center;
  font-family: var(--font-display);
  font-weight: 700;
  flex-shrink: 0;
}
.testimonial-author b { display: block; font-size: 0.95rem; }
.testimonial-author span { font-size: 0.82rem; color: var(--muted); }

.carousel-controls {
  display: flex;
  justify-content: center;
  gap: 0.8rem;
  margin-top: 2.2rem;
}
.carousel-btn {
  width: 44px; height: 44px;
  border-radius: 50%;
  border: 1px solid var(--line-strong);
  background: #fff;
  cursor: pointer;
  display: grid; place-items: center;
  transition: background 0.2s, color 0.2s, border-color 0.2s;
  color: var(--navy-900);
}
.carousel-btn:hover { background: var(--navy-900); color: var(--gold-400); border-color: var(--navy-900); }
.carousel-dots { display: flex; gap: 0.4rem; align-items: center; }
.carousel-dots button {
  width: 8px; height: 8px; border-radius: 50%;
  border: 0;
  background: var(--line-strong);
  cursor: pointer;
  transition: background 0.2s, transform 0.2s;
  padding: 0;
}
.carousel-dots button.active { background: var(--gold-500); transform: scale(1.3); }

/* ============================================================
   FAQ accordion
   ============================================================ */

.faq-wrap {
  max-width: 820px;
  margin: 0 auto;
}
.faq-item {
  border-bottom: 1px solid var(--line);
}
.faq-item:first-child { border-top: 1px solid var(--line); }
.faq-q {
  width: 100%;
  text-align: left;
  background: transparent;
  border: 0;
  padding: 1.4rem 0;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy-900);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  cursor: pointer;
  font-family: var(--font-display);
  transition: color 0.2s;
}
.faq-q:hover { color: var(--gold-500); }
.faq-q .toggle {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--ivory);
  border: 1px solid var(--line);
  display: grid; place-items: center;
  flex-shrink: 0;
  transition: transform 0.3s ease, background 0.3s ease;
  position: relative;
}
.faq-q .toggle::before,
.faq-q .toggle::after {
  content: ""; position: absolute;
  background: var(--navy-900); border-radius: 1px;
}
.faq-q .toggle::before { width: 12px; height: 2px; }
.faq-q .toggle::after { width: 2px; height: 12px; transition: transform 0.3s ease; }
.faq-item.open .faq-q .toggle {
  background: var(--navy-900);
  transform: rotate(180deg);
}
.faq-item.open .faq-q .toggle::before,
.faq-item.open .faq-q .toggle::after { background: var(--gold-400); }
.faq-item.open .faq-q .toggle::after { transform: rotate(90deg); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}
.faq-a-inner {
  padding: 0 0 1.4rem;
  color: var(--muted);
  font-size: 1rem;
  max-width: 70ch;
}
.faq-item.open .faq-a {
  max-height: 600px;
}

/* ============================================================
   Article (long-form blog post)
   ============================================================ */

.article-wrap {
  max-width: 760px;
  margin: 0 auto;
}
.article-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.7rem 1.4rem;
  align-items: center;
  font-size: 0.9rem;
  color: var(--muted);
  margin-bottom: 1.8rem;
}
.article-meta .cat {
  color: var(--gold-500);
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-size: 0.78rem;
}
.article-cover {
  width: 100%;
  aspect-ratio: 16/9;
  border-radius: var(--radius-lg);
  background-size: cover;
  background-position: center;
  margin-bottom: 2.2rem;
  border: 1px solid var(--line);
  box-shadow: var(--shadow-md);
}
.article-body { font-size: 1.07rem; line-height: 1.75; color: #1f2a3d; }
.article-body p { margin: 0 0 1.2em; }
.article-body h2 {
  margin-top: 2.5rem;
  margin-bottom: 1rem;
  font-size: 1.55rem;
  line-height: 1.25;
  scroll-margin-top: calc(var(--nav-h) + 1rem);
}
.article-body h3 {
  margin-top: 2rem;
  margin-bottom: 0.7rem;
  font-size: 1.18rem;
}
.article-body ul, .article-body ol {
  margin: 0 0 1.4em;
  padding-left: 1.6rem;
}
.article-body li { margin-bottom: 0.35em; }
.article-body strong { color: var(--navy-900); }
.article-body a {
  color: var(--gold-500);
  text-decoration: underline;
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}
.article-body a:hover { color: var(--navy-900); }
.article-body blockquote {
  margin: 1.8rem 0;
  padding: 1.2rem 1.5rem;
  background: var(--ivory);
  border-left: 4px solid var(--gold-400);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  font-size: 1.02rem;
  color: var(--navy-900);
}
.article-body blockquote p:last-child { margin-bottom: 0; }
.article-body hr {
  border: 0;
  height: 1px;
  background: var(--line);
  margin: 2.5rem 0;
}
.article-body table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5rem 0;
  font-size: 0.96rem;
}
.article-body th,
.article-body td {
  text-align: left;
  padding: 0.7rem 0.9rem;
  border-bottom: 1px solid var(--line);
}
.article-body th {
  background: var(--ivory);
  font-weight: 700;
  color: var(--navy-900);
  font-size: 0.86rem;
  letter-spacing: 0.04em;
}
.article-tip {
  display: flex;
  gap: 1rem;
  padding: 1.2rem 1.4rem;
  background: linear-gradient(135deg, rgba(201, 163, 94, 0.10), rgba(201, 163, 94, 0.02));
  border: 1px solid rgba(201, 163, 94, 0.3);
  border-radius: var(--radius-md);
  margin: 1.8rem 0;
  font-size: 0.97rem;
}
.article-tip .icon {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--gold-400);
  color: var(--navy-900);
  display: grid; place-items: center;
  font-weight: 800;
  flex-shrink: 0;
}
.article-tip p { margin: 0; }
.article-tip b { color: var(--navy-900); }
.article-toc {
  margin: 2rem 0;
  padding: 1.4rem 1.5rem;
  background: var(--ivory);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
}
.article-toc h4 {
  font-size: 0.78rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
  margin: 0 0 0.7rem;
}
.article-toc ol {
  margin: 0;
  padding-left: 1.4rem;
  font-size: 0.95rem;
  display: grid;
  gap: 0.35rem;
}
.article-toc a { color: var(--navy-900); text-decoration: none; }
.article-toc a:hover { color: var(--gold-500); text-decoration: underline; }

.article-related {
  margin-top: 3.5rem;
  padding-top: 2.5rem;
  border-top: 1px solid var(--line);
}
.article-related h3 {
  margin-bottom: 1.3rem;
  font-size: 1.15rem;
}

/* ============================================================
   CTA banner
   ============================================================ */

.cta-banner {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700));
  color: #fff;
  border-radius: var(--radius-xl);
  padding: clamp(2.5rem, 5vw, 4rem);
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  align-items: center;
  gap: 2rem;
}
.cta-banner::before {
  content: "";
  position: absolute;
  width: 320px; height: 320px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201, 163, 94, 0.32), transparent 65%);
  right: -80px; top: -80px;
  pointer-events: none;
}
.cta-banner h2 { color: #fff; margin-bottom: 0.6rem; }
.cta-banner p { color: rgba(255,255,255,0.78); margin-bottom: 0; max-width: 50ch; }
.cta-banner-actions {
  display: flex; flex-direction: column;
  gap: 0.7rem;
  align-items: stretch;
  position: relative;
  z-index: 2;
}

/* ============================================================
   Contact section
   ============================================================ */

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}
.contact-info h3 { margin-bottom: 1rem; }
.contact-info p { color: var(--muted); margin-bottom: 2rem; }
.contact-list { list-style: none; padding: 0; margin: 0 0 2rem; display: grid; gap: 1rem; }
.contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1rem 1.2rem;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  transition: border-color 0.2s, transform 0.2s;
}
.contact-list li:hover { border-color: rgba(201, 163, 94, 0.4); transform: translateX(4px); }
.contact-list .ci-icon {
  width: 40px; height: 40px; border-radius: 10px;
  background: var(--ivory);
  color: var(--gold-500);
  display: grid; place-items: center;
  flex-shrink: 0;
}
.contact-list .ci-icon svg { width: 18px; height: 18px; stroke: currentColor; fill: none; stroke-width: 2; }
.contact-list b { display: block; font-size: 0.85rem; color: var(--muted); font-weight: 500; }
.contact-list a { color: var(--navy-900); font-weight: 600; font-size: 1rem; }
.contact-list a:hover { color: var(--gold-500); }

.contact-form {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 2rem 1.8rem;
  box-shadow: var(--shadow-md);
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1rem;
}
.form-field { display: flex; flex-direction: column; gap: 0.4rem; margin-bottom: 1rem; }
.form-field label {
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
}
.form-field input,
.form-field select,
.form-field textarea {
  font-family: inherit;
  font-size: 1rem;
  padding: 0.8rem 1rem;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm);
  background: var(--paper);
  color: var(--text);
  transition: border-color 0.2s, box-shadow 0.2s, background 0.2s;
  width: 100%;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--gold-500);
  background: #fff;
  box-shadow: 0 0 0 4px rgba(201, 163, 94, 0.18);
}
.form-field textarea { resize: vertical; min-height: 110px; }
.form-consent { font-size: 0.82rem; color: var(--muted); margin-top: 0.6rem; line-height: 1.5; }
.form-consent a { color: var(--navy-900); text-decoration: underline; }
.form-status {
  margin-top: 1rem;
  font-size: 0.95rem;
  padding: 0.8rem 1rem;
  border-radius: var(--radius-sm);
  display: none;
}
.form-status.success { display: block; background: #ecfdf5; color: #065f46; border: 1px solid #6ee7b7; }
.form-status.error { display: block; background: #fef2f2; color: #991b1b; border: 1px solid #fca5a5; }

/* ============================================================
   Footer
   ============================================================ */

.footer {
  background: var(--navy-900);
  color: rgba(255,255,255,0.78);
  padding: 4rem 0 1.5rem;
  font-size: 0.95rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 3rem;
}
.footer h4 {
  color: #fff;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-bottom: 1.1rem;
}
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.7rem; }
.footer ul a { color: rgba(255,255,255,0.7); transition: color 0.2s; }
.footer ul a:hover { color: var(--gold-400); }
.footer .brand-name { color: #fff; }
.footer-about p { font-size: 0.95rem; line-height: 1.65; color: rgba(255,255,255,0.65); margin: 1rem 0 1.2rem; max-width: 36ch; }
.footer-socials { display: flex; gap: 0.6rem; }
.footer-socials a {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.10);
  display: grid; place-items: center;
  transition: background 0.2s, border-color 0.2s, transform 0.2s;
}
.footer-socials a:hover { background: var(--gold-500); border-color: var(--gold-500); color: var(--navy-900); transform: translateY(-2px); }
.footer-socials svg { width: 16px; height: 16px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.10);
  padding-top: 1.5rem;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
}
.footer-bottom a { color: rgba(255,255,255,0.65); }
.footer-bottom a:hover { color: var(--gold-400); }

/* ============================================================
   Page-specific helpers
   ============================================================ */

/* two-column content with sidebar feel */
.split {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 3rem;
  align-items: start;
}
.split-side {
  background: var(--ivory);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 1.8rem;
  position: sticky;
  top: calc(var(--nav-h) + 1.2rem);
}
.split-side h3 { font-size: 1.2rem; margin-bottom: 0.8rem; }
.split-side ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.7rem; }
.split-side ul li {
  display: flex; align-items: center;
  gap: 0.6rem;
  font-size: 0.95rem;
}
.split-side ul li::before {
  content: "";
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--gold-400);
  flex-shrink: 0;
}

.option-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.4rem;
  margin: 2rem 0;
}
.option-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 1.6rem 1.4rem;
  position: relative;
  transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
}
.option-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(201, 163, 94, 0.4);
}
.option-card .tag {
  display: inline-block;
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-500);
  background: rgba(201, 163, 94, 0.1);
  padding: 0.3rem 0.6rem;
  border-radius: 999px;
  margin-bottom: 0.9rem;
}
.option-card h3 { font-size: 1.2rem; margin-bottom: 0.5rem; }
.option-card p { color: var(--muted); font-size: 0.94rem; margin-bottom: 0; }
.option-card ul {
  list-style: none; padding: 0; margin: 1rem 0 0;
  display: grid; gap: 0.45rem;
  font-size: 0.92rem;
}
.option-card ul li { display: flex; gap: 0.5rem; }
.option-card ul li::before {
  content: "✓";
  color: var(--gold-500);
  font-weight: 700;
}

.docs-list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1rem;
  margin: 1.5rem 0;
}
.docs-list li {
  list-style: none;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 0.95rem 1.1rem;
  font-size: 0.95rem;
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
}
.docs-list li::before {
  content: "📄";
  flex-shrink: 0;
}

.callout {
  background: linear-gradient(135deg, rgba(201, 163, 94, 0.12), rgba(201, 163, 94, 0.04));
  border: 1px solid rgba(201, 163, 94, 0.3);
  border-radius: var(--radius-lg);
  padding: 1.6rem 1.8rem;
  margin: 2rem 0;
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}
.callout .ci {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--gold-400);
  color: var(--navy-900);
  display: grid; place-items: center;
  font-weight: 700;
  flex-shrink: 0;
}
.callout p { margin: 0; font-size: 0.98rem; color: var(--text); }

.timeline {
  list-style: none;
  padding: 0;
  margin: 2rem 0;
  display: grid;
  gap: 0.6rem;
}
.timeline li {
  position: relative;
  padding: 1.4rem 1.4rem 1.4rem 4rem;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  counter-increment: timeline-step;
}
.timeline { counter-reset: timeline-step; }
.timeline li::before {
  content: counter(timeline-step);
  position: absolute;
  left: 1.2rem; top: 50%;
  transform: translateY(-50%);
  width: 38px; height: 38px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
  color: var(--gold-400);
  display: grid; place-items: center;
  font-weight: 800;
  font-family: var(--font-display);
}
.timeline li b { display: block; margin-bottom: 0.2rem; font-size: 1rem; }
.timeline li span { font-size: 0.92rem; color: var(--muted); }

/* Bank cards page */
.bank-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.4rem;
}
.bank-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 1.6rem 1.4rem;
  display: flex;
  flex-direction: column;
  transition: transform 0.3s, box-shadow 0.3s;
}
.bank-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.bank-card .bank-head {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 1rem;
}
.bank-card .bank-logo {
  width: 50px; height: 50px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
  color: var(--gold-400);
  display: grid; place-items: center;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.2rem;
}
.bank-card .bank-tag {
  font-size: 0.72rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
  background: var(--ivory);
  padding: 0.25rem 0.55rem;
  border-radius: 999px;
}
.bank-card h3 { font-size: 1.1rem; margin-bottom: 0.4rem; }
.bank-card p { color: var(--muted); font-size: 0.92rem; margin-bottom: 1rem; flex: 1; }
.bank-card .bank-feats {
  list-style: none; padding: 0; margin: 0 0 1rem;
  display: grid; gap: 0.4rem;
  font-size: 0.9rem;
}
.bank-card .bank-feats li { display: flex; gap: 0.4rem; }
.bank-card .bank-feats li::before { content: "✓"; color: var(--gold-500); font-weight: 700; }

/* Blog */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.6rem;
}
.blog-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform 0.3s, box-shadow 0.3s;
}
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.blog-card .blog-cover {
  aspect-ratio: 16/10;
  background: linear-gradient(135deg, var(--navy-700), var(--navy-500));
  background-size: cover;
  background-position: center;
  position: relative;
}
.blog-card .blog-cover::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 50%, rgba(13, 27, 42, 0.4));
}
.blog-card .blog-body { padding: 1.5rem 1.4rem 1.6rem; flex: 1; display: flex; flex-direction: column; }
.blog-card .blog-meta {
  font-size: 0.8rem;
  color: var(--muted);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 0.7rem;
  display: flex;
  gap: 0.5rem;
}
.blog-card .blog-meta .cat { color: var(--gold-500); font-weight: 600; }
.blog-card h3 { font-size: 1.15rem; margin-bottom: 0.5rem; }
.blog-card p { color: var(--muted); font-size: 0.94rem; flex: 1; margin-bottom: 1rem; }
.blog-card .more { color: var(--gold-500); font-weight: 600; font-size: 0.9rem; }

/* ============================================================
   Animations
   ============================================================ */

.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s cubic-bezier(0.4, 0, 0.2, 1), transform 0.7s cubic-bezier(0.4, 0, 0.2, 1);
}
.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 { transition-delay: 0.08s; }
.reveal-delay-2 { transition-delay: 0.16s; }
.reveal-delay-3 { transition-delay: 0.24s; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; }
  .reveal { opacity: 1; transform: none; }
}

/* Disable scroll-reveal inside long-form blog articles —
   readers should see the content immediately, not wait for scroll. */
body.is-article .reveal {
  opacity: 1;
  transform: none;
  transition: none;
}

/* ============================================================
   Responsive
   ============================================================ */

@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; gap: 3rem; }
  .hero-visual { max-width: 420px; margin: 0 auto; aspect-ratio: 1/1; }
  .page-hero-grid { grid-template-columns: 1fr; gap: 2rem; }
  .page-hero-visual { display: none; }
  .trust-row { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonial { flex-basis: calc(50% - 0.7rem); }
  .cta-banner { grid-template-columns: 1fr; text-align: center; }
  .cta-banner-actions { align-items: center; }
  .contact-grid { grid-template-columns: 1fr; gap: 2rem; }
  .split { grid-template-columns: 1fr; }
  .split-side { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
}

@media (max-width: 720px) {
  .nav-links, .nav-cta .desktop-only { display: none; }
  .burger { display: grid; place-items: center; }
  .hero { padding: calc(var(--nav-h) + 2.5rem) 0 3.5rem; }
  .hero-stats { grid-template-columns: 1fr 1fr; gap: 1rem; }
  .hero-stats .stat:last-child { grid-column: span 2; }
  .testimonial { flex-basis: 100%; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 1.6rem; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .cta-banner { padding: 2rem 1.5rem; }
}

@media (max-width: 520px) {
  .trust-row { grid-template-columns: 1fr 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .page-hero-meta { grid-template-columns: 1fr; }
}