/* ============================================================
   CREDIT IPOTECAR – DESIGN SYSTEM
   Modern, Clean, SEO-optimized
   Color palette: Navy #0a1628 | Gold #f0a500 | Deep Navy #001f3f
   ============================================================ */

/* ---- 1. CUSTOM PROPERTIES ---- */
:root {
  /* Colors */
  --navy:       #0a1628;
  --navy-mid:   #001f3f;
  --navy-deep:  #002349;
  --gold:       #f0a500;
  --gold-dark:  #d4920a;
  --gold-light: #ffc93c;
  --pink:       #FFF8EE;
  --pink-light: #FFFDF8;
  --indigo:     #002349;
  --green:      #004032;
  --red:        #d90429;
  --white:      #ffffff;
  --off-white:  #FAFBFC;
  --gray-100:   #f4f6f9;
  --gray-200:   #e8ecf1;
  --gray-300:   #d0d7e2;
  --gray-400:   #a8b3c4;
  --gray-500:   #6b7a8d;
  --gray-700:   #374151;
  --gray-900:   #111827;

  /* Typography */
  --font-primary: 'Inter', 'Open Sans', sans-serif;
  --font-size-xs:  0.75rem;
  --font-size-sm:  0.875rem;
  --font-size-md:  1rem;
  --font-size-lg:  1.125rem;
  --font-size-xl:  1.25rem;
  --font-size-2xl: 1.5rem;
  --font-size-3xl: 1.875rem;
  --font-size-4xl: 2.25rem;
  --font-size-5xl: 3rem;

  /* Spacing */
  --space-1:  0.25rem;
  --space-2:  0.5rem;
  --space-3:  0.75rem;
  --space-4:  1rem;
  --space-5:  1.25rem;
  --space-6:  1.5rem;
  --space-8:  2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;

  /* Shadows */
  --shadow-sm: 0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.06);
  --shadow-md: 0 4px 16px rgba(0,0,0,.1), 0 2px 6px rgba(0,0,0,.06);
  --shadow-lg: 0 10px 40px rgba(0,0,0,.12), 0 4px 16px rgba(0,0,0,.08);
  --shadow-xl: 0 20px 60px rgba(0,0,0,.16);
  --shadow-gold: 0 8px 32px rgba(240,165,0,.28);
  --shadow-navy: 0 8px 32px rgba(10,22,40,.35);

  /* Borders */
  --radius-sm: 3px;
  --radius-md: 3px;
  --radius-lg: 3px;
  --radius-xl: 3px;
  --radius-full: 3px;

  /* Transitions */
  --transition-fast:   all .15s ease;
  --transition-base:   all .25s ease;
  --transition-slow:   all .4s ease;
  --transition-spring: all .35s cubic-bezier(.34,1.56,.64,1);

  /* Layout */
  --container-max: 1200px;
  --header-height: 72px;
}

/* ---- 2. RESET & BASE ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  overflow-x: hidden;
}

body {
  font-family: var(--font-primary);
  font-size: var(--font-size-md);
  line-height: 1.7;
  color: var(--gray-700);
  background: var(--white);
  overflow-x: hidden;
}

img, svg { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
ul, ol { list-style: none; }
address { font-style: normal; }
input, select, textarea { font-family: inherit; }

/* Skip to content link (accessibility) */
.skip-link {
  position: absolute;
  top: -100px;
  left: var(--space-4);
  background: var(--navy);
  color: var(--white);
  padding: var(--space-2) var(--space-4);
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  font-weight: 600;
  font-size: var(--font-size-sm);
  z-index: 10000;
  transition: top .2s;
}
.skip-link:focus { top: 0; outline: 2px solid var(--gold); }

/* Focus styles for accessibility */
:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: var(--radius-sm);
}

/* ---- 3. LAYOUT ---- */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--space-6);
}

.section { padding: var(--space-20) 0; }
.section--gray { background: var(--gray-100); }
.section--dark { background: var(--navy); color: var(--white); }

/* ---- 4. TYPOGRAPHY ---- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-primary);
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
}

.section--dark h1, .section--dark h2, .section--dark h3,
.section--dark h4, .section--dark h5, .section--dark h6,
.page-hero h1, .page-hero h2, .page-hero h3,
.cta-band h2, .cta-band h3,
.process-step__icon, .why-card__icon,
.footer-top h1, .footer-top h2, .footer-top h3, .footer-top h4 { color: var(--white); }

.text-gold { color: var(--gold); }

.section-eyebrow {
  display: inline-block;
  font-size: var(--font-size-sm);
  font-weight: 600;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-3);
}
.section-eyebrow--gold { color: var(--gold); }

.section-header { text-align: center; margin-bottom: var(--space-12); }
.section-header--light .section-title,
.section-header--light { color: var(--white); }

.section-title {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 800;
  margin-bottom: var(--space-4);
  color: var(--navy);
}

.section-subtitle {
  font-size: var(--font-size-lg);
  color: var(--gray-500);
  max-width: 600px;
  margin: 0 auto;
}

.section-footer { text-align: center; margin-top: var(--space-10); }

/* ---- 5. BUTTONS ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: .75rem 1.5rem;
  font-size: var(--font-size-md);
  font-weight: 600;
  border-radius: var(--radius-md);
  transition: var(--transition-base);
  cursor: pointer;
  border: 2px solid transparent;
  white-space: nowrap;
  text-decoration: none;
}

.btn--lg { padding: 1rem 2rem; font-size: var(--font-size-lg); }
.btn--sm { padding: .5rem 1rem; font-size: var(--font-size-sm); }
.btn--full { width: 100%; justify-content: center; }

.btn--primary {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
  box-shadow: var(--shadow-gold);
}
.btn--primary:hover {
  background: var(--gold-dark);
  border-color: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 12px 36px rgba(240,165,0,.35);
}

.btn--outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn--outline:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-2px);
}

.btn--gold {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
  font-weight: 700;
}
.btn--gold:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-gold);
}

/* ---- 6. HEADER ---- */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--header-height);
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  transition: var(--transition-base);
}

.site-header.scrolled {
  box-shadow: var(--shadow-md);
}

.header-inner {
  height: var(--header-height);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-6);
}

.logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  flex-shrink: 0;
}

.logo img { height: 36px; width: auto; }

.logo-text {
  font-size: var(--font-size-xl);
  font-weight: 700;
  color: var(--navy);
  letter-spacing: -.02em;
}
.logo-text strong { color: var(--gold); }
.logo-text--white { color: var(--white); }
.logo-text--white strong { color: var(--gold); }

/* Hide img if it fails to load, show text fallback */
.logo img[src="assets/images/logo-black.svg"]:not([src]) { display: none; }

.main-nav { flex: 1; display: flex; justify-content: center; }

.nav-list {
  display: flex;
  align-items: center;
  gap: var(--space-1);
}

.nav-link {
  padding: var(--space-2) var(--space-3);
  font-size: var(--font-size-sm);
  font-weight: 500;
  color: var(--gray-700);
  border-radius: var(--radius-sm);
  transition: var(--transition-fast);
  position: relative;
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 2px;
  left: var(--space-3);
  right: var(--space-3);
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform .2s ease;
  border-radius: var(--radius-full);
}

.nav-link:hover,
.nav-link.active {
  color: var(--navy);
}
.nav-link:hover::after,
.nav-link.active::after { transform: scaleX(1); }

.nav-link--cta {
  background: var(--gold);
  color: var(--navy) !important;
  padding: var(--space-2) var(--space-4);
  border-radius: var(--radius-md);
  font-weight: 600;
}
.nav-link--cta::after { display: none; }
.nav-link--cta:hover {
  background: var(--navy);
  color: var(--white) !important;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  flex-shrink: 0;
}

.btn-phone {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--navy);
  transition: var(--transition-fast);
}
.btn-phone i { color: var(--gold); }
.btn-phone:hover { color: var(--gold); }

.btn-ghid {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  padding: 0.45rem 1rem;
  background: var(--gold);
  color: var(--navy);
  font-size: var(--font-size-sm);
  font-weight: 700;
  border-radius: var(--radius-full);
  text-decoration: none;
  transition: var(--transition-fast);
  white-space: nowrap;
}
.btn-ghid:hover { background: var(--gold-dark); color: var(--navy); }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: var(--space-2);
  border-radius: var(--radius-sm);
}
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  border-radius: var(--radius-full);
  transition: var(--transition-base);
}
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ---- 7. MOBILE NAV ---- */
.overlay {
  position: fixed;
  inset: 0;
  background: rgba(10,22,40,.5);
  z-index: 998;
  opacity: 0;
  pointer-events: none;
  transition: opacity .3s ease;
}
.overlay.active {
  opacity: 1;
  pointer-events: all;
}

.mobile-nav {
  position: fixed;
  top: 0;
  right: 0;
  width: min(320px, 85vw);
  height: 100%;
  background: var(--white);
  z-index: 999;
  padding: var(--space-8) var(--space-6);
  transform: translateX(100%);
  transition: transform .35s cubic-bezier(.4,0,.2,1);
  overflow-y: auto;
  box-shadow: var(--shadow-xl);
}
.mobile-nav.open {
  transform: translateX(0);
}

.mobile-nav__close {
  position: absolute;
  top: var(--space-4);
  left: var(--space-4);
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: calc(var(--font-size-xl) + 2px);
  color: var(--gray-500);
  border-radius: 10px;
  transition: var(--transition-fast);
  cursor: pointer;
  z-index: 1001;
  touch-action: manipulation;
}

/* Global fallback close (fixed, sits above everything) */
.mobile-nav__close--global {
  /* default hidden; JS will toggle visibility */
  display: none;
  align-items: center;
  justify-content: center;
}
.mobile-nav__close--global {
  position: fixed;
  top: var(--space-4);
  right: var(--space-4);
  width: 56px;
  height: 56px;
  display: none;
  align-items: center;
  justify-content: center;
  font-size: calc(var(--font-size-xl) + 2px);
  color: var(--gray-500);
  border-radius: 10px;
  transition: var(--transition-fast);
  cursor: pointer;
  z-index: 10002; /* ensure sits above overlays and other fixed elements */
  touch-action: manipulation;
  pointer-events: auto;
}

/* Right-side close button (header area) to ensure a visible clickable X on mobile */
.mobile-nav__close--right {
  position: fixed;
  top: var(--space-4);
  right: var(--space-4);
  width: 56px;
  height: 56px;
  display: none;
  align-items: center;
  justify-content: center;
  font-size: calc(var(--font-size-xl) + 2px);
  color: var(--gray-500);
  border-radius: 10px;
  transition: var(--transition-fast);
  cursor: pointer;
  z-index: 10003;
  touch-action: manipulation;
}
.mobile-nav__close--right:hover { color: var(--navy); background: var(--gray-100); }
.mobile-nav__close i { pointer-events: none; }
.mobile-nav__close:hover { color: var(--navy); background: var(--gray-100); }

.mobile-nav__list {
  margin-top: var(--space-12);
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}

.mobile-nav__link {
  display: block;
  padding: var(--space-3) var(--space-4);
  font-size: var(--font-size-lg);
  font-weight: 500;
  color: var(--gray-700);
  border-radius: var(--radius-md);
  transition: var(--transition-fast);
}
.mobile-nav__link:hover,
.mobile-nav__link--cta {
  background: var(--gray-100);
  color: var(--navy);
}
.mobile-nav__link--cta {
  background: var(--gold);
  color: var(--navy);
  font-weight: 700;
  margin-top: var(--space-4);
  text-align: center;
}

.mobile-nav__contact {
  margin-top: var(--space-8);
  padding-top: var(--space-6);
  border-top: 1px solid var(--gray-200);
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}
.mobile-nav__contact a {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  color: var(--gray-500);
  font-size: var(--font-size-sm);
  transition: var(--transition-fast);
}
.mobile-nav__contact a:hover { color: var(--navy); }
.mobile-nav__contact i { color: var(--gold); width: 16px; }

/* ---- 8. HERO ---- */
.hero {
  padding-top: calc(var(--header-height) + var(--space-16));
  padding-bottom: 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, var(--navy-deep) 100%);
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.hero__bg-shapes { position: absolute; inset: 0; pointer-events: none; overflow: hidden; }
.shape {
  position: absolute;
  border-radius: 50%;
  opacity: .07;
}
.shape--1 {
  width: 600px; height: 600px;
  background: var(--gold);
  top: -200px; right: -100px;
}
.shape--2 {
  width: 400px; height: 400px;
  background: var(--gold);
  bottom: 100px; left: -150px;
}
.shape--3 {
  width: 200px; height: 200px;
  background: var(--white);
  top: 40%; left: 40%;
}

.hero__inner {
  display: grid;
  grid-template-columns: 1fr 440px;
  gap: var(--space-16);
  align-items: center;
  padding-bottom: var(--space-16);
  position: relative;
  z-index: 1;
}

.hero__content { max-width: 580px; }

.badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  background: rgba(240,165,0,.15);
  border: 1px solid rgba(240,165,0,.3);
  color: var(--gold);
  font-size: var(--font-size-sm);
  font-weight: 600;
  padding: var(--space-2) var(--space-4);
  border-radius: var(--radius-full);
  margin-bottom: var(--space-5);
}

h1 {
  font-size: clamp(2rem, 5vw, 3.25rem);
  font-weight: 800;
  line-height: 1.1;
  color: var(--white);
  margin-bottom: var(--space-5);
  letter-spacing: -.03em;
}

.hero__subtitle {
  font-size: var(--font-size-lg);
  color: rgba(255,255,255,.8);
  margin-bottom: var(--space-6);
  line-height: 1.6;
}
.hero__subtitle strong { color: var(--gold); }

.hero__features {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
  margin-bottom: var(--space-8);
}
.hero__features span {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-sm);
  font-weight: 500;
  color: rgba(255,255,255,.85);
}
.hero__features i { color: var(--gold); font-size: 1rem; }

.hero__cta {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4);
}

.hero__cta .btn--outline {
  color: var(--white);
  border-color: rgba(255,255,255,.65);
}
.hero__cta .btn--outline:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--white);
  color: var(--white);
  transform: translateY(-2px);
}

/* Quick calculator card */
.quick-calc {
  background: var(--white);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  animation: slideInRight .7s ease both;
}

@keyframes slideInRight {
  from { opacity: 0; transform: translateX(40px); }
  to   { opacity: 1; transform: translateX(0); }
}

.quick-calc__header {
  background: var(--gold);
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-4) var(--space-6);
  font-size: var(--font-size-lg);
  font-weight: 700;
}

.quick-calc__body { padding: var(--space-6); }

.qc-field { margin-bottom: var(--space-5); }
.qc-field label {
  display: block;
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--navy);
  margin-bottom: var(--space-2);
}

.qc-input-wrap input[type="range"] {
  width: 100%;
  height: 6px;
  appearance: none;
  -webkit-appearance: none;
  background: var(--gray-200);
  border-radius: var(--radius-full);
  outline: none;
  cursor: pointer;
  margin-bottom: var(--space-2);
  display: block;
}
.qc-input-wrap input[type="range"]::-webkit-slider-runnable-track {
  height: 6px;
  border-radius: var(--radius-full);
}
.qc-input-wrap input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  margin-top: -7px;
  background: var(--gold);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 0 0 4px rgba(240,165,0,.18);
  transition: box-shadow .15s ease;
}
.qc-input-wrap input[type="range"]::-webkit-slider-thumb:hover {
  box-shadow: 0 0 0 8px rgba(240,165,0,.18);
}
.qc-input-wrap input[type="range"]::-moz-range-track {
  height: 6px;
  border-radius: var(--radius-full);
  background: var(--gray-200);
}
.qc-input-wrap input[type="range"]::-moz-range-thumb {
  width: 20px;
  height: 20px;
  background: var(--gold);
  border: none;
  border-radius: 50%;
  cursor: pointer;
}

.qc-value-row {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  background: var(--gray-100);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: var(--space-2) var(--space-3);
  transition: var(--transition-fast);
}
.qc-value-row:focus-within { border-color: var(--gold); }

.qc-value-row input[type="number"] {
  flex: 1;
  border: none;
  background: transparent;
  font-size: var(--font-size-md);
  font-weight: 600;
  color: var(--navy);
  outline: none;
  min-width: 0;
  -moz-appearance: textfield;
}
.qc-value-row input::-webkit-inner-spin-button,
.qc-value-row input::-webkit-outer-spin-button { -webkit-appearance: none; }

.qc-currency {
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--gray-400);
  flex-shrink: 0;
}

.qc-result {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  text-align: center;
  margin: var(--space-5) 0;
  color: var(--white);
}
.qc-result__label { font-size: var(--font-size-xs); opacity: .7; text-transform: uppercase; letter-spacing: .08em; margin-bottom: var(--space-2); }
.qc-result__value { font-size: var(--font-size-3xl); font-weight: 800; color: var(--gold); margin-bottom: var(--space-1); }
.qc-result__sub { font-size: var(--font-size-xs); opacity: .6; }
.qc-result__sub span { color: var(--gold-light); }

.quick-calc__disclaimer {
  padding: var(--space-3) var(--space-6);
  font-size: var(--font-size-xs);
  color: var(--gray-400);
  text-align: center;
  border-top: 1px solid var(--gray-100);
}

/* Hero stats */
.hero__stats {
  background: rgba(0,0,0,.25);
  border-top: 1px solid rgba(255,255,255,.1);
  padding: var(--space-6) 0;
  position: relative;
  z-index: 1;
}

.stats-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-8);
  flex-wrap: wrap;
}

.stat-item { text-align: center; }
.stat-number {
  display: inline;
  font-size: var(--font-size-3xl);
  font-weight: 800;
  color: var(--gold);
}
.stat-plus { font-size: var(--font-size-xl); font-weight: 700; color: var(--gold); }
.stat-label {
  display: block;
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,.88);
  margin-top: var(--space-1);
}
.stat-divider {
  width: 1px;
  height: 48px;
  background: rgba(255,255,255,.15);
}

/* ---- 9. ABOUT ---- */
.about__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
}

.about__image-wrap { position: relative; }

.about__image-card {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: visible;
  padding: var(--space-8);
}

.about__image-bg {
  height: 400px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-radius: var(--radius-xl);
  position: relative;
  overflow: hidden;
}

.about__image-bg::before {
  content: '';
  position: absolute;
  bottom: 0; right: 0;
  width: 200px; height: 200px;
  background: var(--gold);
  opacity: .1;
  border-radius: 50%;
  transform: translate(40%, 40%);
}

.about__image-bg::after {
  content: '\f19c';
  font-family: 'Font Awesome 6 Free';
  font-weight: 900;
  font-size: 8rem;
  color: rgba(255,255,255,.05);
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
}

.about__badge-wrap {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  display: flex;
  gap: var(--space-3);
  justify-content: center;
  transform: translateY(50%);
}

.about__badge {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: var(--space-3) var(--space-4);
  box-shadow: var(--shadow-lg);
  min-width: 160px;
}
.about__badge i { font-size: 1.5rem; color: var(--navy); }
.about__badge--gold i { color: var(--gold); }
.about__badge strong { display: block; font-size: var(--font-size-sm); font-weight: 700; color: var(--navy); }
.about__badge span { font-size: var(--font-size-xs); color: var(--gray-500); }

.about__content { padding-top: var(--space-10); }

.about__lead {
  font-size: var(--font-size-lg);
  color: var(--gray-700);
  margin-bottom: var(--space-4);
  line-height: 1.7;
}

.about__pillars {
  display: flex;
  flex-direction: column;
  gap: var(--space-5);
  margin: var(--space-8) 0;
}

.pillar {
  display: flex;
  gap: var(--space-4);
  align-items: flex-start;
}

.pillar__icon {
  width: 44px; height: 44px;
  background: rgba(240,165,0,.1);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--gold);
  font-size: 1.1rem;
}

.pillar strong { display: block; font-weight: 700; color: var(--navy); margin-bottom: var(--space-1); }
.pillar p { font-size: var(--font-size-sm); color: var(--gray-500); margin: 0; }

/* ---- 10. SERVICES ---- */
.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}

.service-card {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-xl);
  padding: var(--space-8) var(--space-6);
  position: relative;
  transition: var(--transition-base);
  display: flex;
  flex-direction: column;
}

.service-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.service-card--featured {
  background: var(--navy);
  border-color: var(--gold);
  color: var(--white);
}
.service-card--featured .service-card__title,
.service-card--featured .service-card__desc { color: var(--white); }
.service-card--featured .service-card__list li { color: rgba(255,255,255,.8); }
.service-card--featured .service-card__list i { color: var(--gold); }
.service-card--featured .service-card__link { color: var(--gold); }

.service-card__badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: var(--navy);
  font-size: var(--font-size-xs);
  font-weight: 700;
  padding: var(--space-1) var(--space-4);
  border-radius: var(--radius-full);
  white-space: nowrap;
}

.service-card__icon {
  width: 56px; height: 56px;
  background: rgba(240,165,0,.1);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--gold);
  margin-bottom: var(--space-5);
}

.service-card--featured .service-card__icon {
  background: rgba(240,165,0,.2);
}

.service-card__title {
  font-size: var(--font-size-xl);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-3);
}

.service-card__desc {
  font-size: var(--font-size-sm);
  color: var(--gray-500);
  margin-bottom: var(--space-5);
  flex: 1;
  line-height: 1.6;
}

.service-card__list {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  margin-bottom: var(--space-6);
}

.service-card__list li {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-sm);
  color: var(--gray-500);
}
.service-card__list i { color: var(--gold); font-size: .75rem; flex-shrink: 0; }

.service-card__link {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--navy);
  transition: var(--transition-fast);
  margin-top: auto;
}
.service-card__link:hover { gap: var(--space-3); color: var(--gold); }

/* ---- 11. PROCESS ---- */
.process-steps {
  display: flex;
  align-items: flex-start;
  gap: 0;
  justify-content: center;
  position: relative;
}

.process-step {
  flex: 1;
  text-align: center;
  padding: var(--space-6) var(--space-4);
  position: relative;
  max-width: 240px;
}

.process-step__number {
  font-size: var(--font-size-5xl);
  font-weight: 800;
  color: var(--gray-100);
  line-height: 1;
  margin-bottom: calc(-1 * var(--space-6));
}

.process-step__icon {
  width: 72px; height: 72px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--gold);
  margin: 0 auto var(--space-5);
  box-shadow: var(--shadow-navy);
  position: relative;
  z-index: 1;
  transition: var(--transition-spring);
}

.process-step:hover .process-step__icon {
  transform: scale(1.1);
  box-shadow: 0 12px 40px rgba(10,22,40,.4);
}

.process-step h3 {
  font-size: var(--font-size-lg);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-3);
}

.process-step p {
  font-size: var(--font-size-sm);
  color: var(--gray-500);
  line-height: 1.6;
}

.process-connector {
  flex-shrink: 0;
  width: 60px;
  height: 2px;
  background: linear-gradient(to right, var(--gold), var(--gold-light));
  margin-top: 82px;
  position: relative;
}
.process-connector::after {
  content: '';
  position: absolute;
  right: -6px;
  top: -5px;
  width: 12px; height: 12px;
  border-top: 2px solid var(--gold);
  border-right: 2px solid var(--gold);
  transform: rotate(45deg);
}

/* ---- 12. CALCULATOR ---- */
.calc-wrapper {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: var(--space-10);
  align-items: start;
}

.calc-controls {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
}

.calc-field { margin-bottom: var(--space-8); }

.calc-field label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: rgba(255,255,255,.8);
  margin-bottom: var(--space-4);
}

.calc-value-display {
  font-size: var(--font-size-lg);
  font-weight: 800;
  color: var(--gold);
}

.calc-slider {
  width: 100%;
  height: 6px;
  appearance: none;
  -webkit-appearance: none;
  background: rgba(255,255,255,.15);
  border-radius: var(--radius-full);
  outline: none;
  cursor: pointer;
  position: relative;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  margin-top: -8px; /* centrare pe track: (track 6px - thumb 22px) / 2 */
  background: var(--gold);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 0 0 4px rgba(240,165,0,.2);
  transition: var(--transition-fast);
}
.calc-slider::-webkit-slider-thumb:hover {
  box-shadow: 0 0 0 8px rgba(240,165,0,.2);
}

.calc-slider::-moz-range-thumb {
  width: 22px; height: 22px;
  background: var(--gold);
  border: none;
  border-radius: 50%;
  cursor: pointer;
}

.calc-range-labels {
  display: flex;
  justify-content: space-between;
  margin-top: var(--space-2);
  font-size: var(--font-size-xs);
  color: rgba(255,255,255,.75);
}

.calc-type { margin-top: var(--space-2); }
.calc-type__label {
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: rgba(255,255,255,.8);
  margin-bottom: var(--space-3);
  display: block;
}
.calc-type__buttons {
  display: flex;
  gap: var(--space-2);
}
.calc-type__btn {
  flex: 1;
  padding: var(--space-3) var(--space-4);
  border: 1.5px solid rgba(255,255,255,.65);
  border-radius: var(--radius-md);
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: rgba(255,255,255,.9);
  transition: var(--transition-fast);
}
.calc-type__btn.active {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy);
}
.calc-type__btn:hover:not(.active) {
  border-color: rgba(255,255,255,.75);
  color: var(--white);
}

.calc-results {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
  color: var(--navy);
  position: sticky;
  top: calc(var(--header-height) + var(--space-4));
  box-shadow: var(--shadow-xl);
}

.calc-results__primary {
  text-align: center;
  padding-bottom: var(--space-6);
  border-bottom: 1px solid var(--gray-200);
  margin-bottom: var(--space-6);
}

.calc-results__label {
  font-size: var(--font-size-sm);
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: var(--space-2);
}

.calc-results__rate {
  font-size: clamp(2rem, 5vw, 2.75rem);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.1;
}

.calc-results__period {
  font-size: var(--font-size-sm);
  color: var(--gray-500);
  margin-top: var(--space-2);
}

.calc-results__breakdown {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  margin-bottom: var(--space-6);
}

.calc-breakdown-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: var(--font-size-sm);
}

.breakdown-label {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  color: var(--gray-500);
}
.breakdown-label i { font-size: .6rem; }
.breakdown-value { font-weight: 700; color: var(--navy); }

/* Donut chart */
.calc-donut-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-3);
  margin-bottom: var(--space-6);
}

.calc-donut {
  transform: rotate(-90deg);
  width: 140px;
  height: 140px;
}
.donut-track { fill: none; stroke: var(--gray-200); stroke-width: 14; }
.donut-principal {
  fill: none;
  stroke: var(--gold);
  stroke-width: 14;
  stroke-linecap: round;
  transition: stroke-dasharray .5s ease;
}
.donut-interest {
  fill: none;
  stroke: #4f9cf9;
  stroke-width: 14;
  stroke-linecap: round;
  transition: stroke-dasharray .5s ease, stroke-dashoffset .5s ease;
}

.donut-legend {
  display: flex;
  gap: var(--space-5);
  font-size: var(--font-size-sm);
  font-weight: 500;
  color: var(--gray-700);
  align-items: center;
  justify-content: center;
}
.donut-legend__principal,
.donut-legend__interest {
  display: flex;
  align-items: center;
  gap: var(--space-2);
}
.donut-legend__principal i,
.donut-legend__interest i {
  display: block;
  width: 12px;
  height: 12px;
  border-radius: 3px;
  flex-shrink: 0;
  align-self: center;
}
.donut-legend__principal i { background: var(--gold); }
.donut-legend__interest i  { background: #4f9cf9; }
.legend-dot {
  display: inline-block;
  width: 10px; height: 10px;
  border-radius: 50%;
  margin-right: var(--space-1);
}
.legend-dot--gold { background: var(--gold); }
.legend-dot--blue { background: #4f9cf9; }

.calc-results__totals {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
  margin-bottom: var(--space-6);
  padding: var(--space-4);
  background: var(--gray-100);
  border-radius: var(--radius-lg);
}

.calc-total-item {
  display: flex;
  justify-content: space-between;
  font-size: var(--font-size-sm);
  color: var(--gray-500);
}
.calc-total-item strong { font-weight: 700; color: var(--navy); }

.calc-disclaimer {
  font-size: var(--font-size-sm);
  color: var(--gray-600);
  font-weight: 500;
  text-align: center;
  margin-top: var(--space-4);
  line-height: 1.5;
}

/* ---- 13. WHY US ---- */
.why-us__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}

.why-card {
  padding: var(--space-8) var(--space-6);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-xl);
  background: var(--white);
  transition: var(--transition-base);
  text-align: center;
}

.why-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.why-card__icon {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--gold);
  margin: 0 auto var(--space-5);
  transition: var(--transition-spring);
}
.why-card:hover .why-card__icon { transform: scale(1.1) rotate(-5deg); }

.why-card h3 {
  font-size: var(--font-size-lg);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-3);
}

.why-card p {
  font-size: var(--font-size-sm);
  color: var(--gray-500);
  line-height: 1.6;
}

/* ---- 14. TEAM ---- */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}

.team-card {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-xl);
  padding: var(--space-8) var(--space-6);
  text-align: center;
  transition: var(--transition-base);
}
.team-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.team-card__avatar {
  width: 96px; height: 96px;
  margin: 0 auto var(--space-5);
  border-radius: 50%;
  overflow: hidden;
  border: 3px solid var(--gold);
}

.avatar-placeholder {
  width: 100%; height: 100%;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
  color: rgba(255,255,255,.85);
}

.team-card h3 {
  font-size: var(--font-size-xl);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-1);
}

.team-card__role {
  font-size: var(--font-size-sm);
  color: var(--gold);
  font-weight: 600;
  margin-bottom: var(--space-4);
}

.team-card__bio {
  font-size: var(--font-size-sm);
  color: var(--gray-500);
  line-height: 1.6;
  margin-bottom: var(--space-5);
}

.team-card__social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px; height: 36px;
  background: var(--gray-100);
  border-radius: 50%;
  color: var(--gray-500);
  transition: var(--transition-fast);
}
.team-card__social a:hover {
  background: var(--navy);
  color: var(--white);
}

/* ---- 15. TESTIMONIALS ---- */

/* Containerul slider-ului: ascunde ce depaseste */
.testimonials-slider {
  position: relative;
  overflow: hidden;
  width: 100%;
}

/* Track-ul: flex row, fara wrap, scroll snap */
.testimonials-track {
  display: flex;
  gap: var(--space-6);
  width: 100%;
  transition: transform .4s cubic-bezier(.4,0,.2,1);
  will-change: transform;
}

/* Card-urile: latime calculata de JS prin variabila CSS */
.testimonial-card {
  flex: 0 0 calc((100% - 2 * var(--space-6)) / 3);
  min-width: 0;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-xl);
  padding: var(--space-8) var(--space-6);
  transition: border-color .2s ease, box-shadow .2s ease;
}
.testimonial-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
}

/* Tablet: 2 carduri */
@media (max-width: 1024px) {
  .testimonial-card {
    flex: 0 0 calc((100% - var(--space-6)) / 2);
  }
}

/* Mobil: 1 card */
@media (max-width: 640px) {
  .testimonial-card {
    flex: 0 0 100%;
  }
}

.testimonial-card__stars {
  color: var(--gold);
  font-size: var(--font-size-sm);
  margin-bottom: var(--space-4);
  letter-spacing: .1em;
}

.testimonial-card blockquote {
  font-size: var(--font-size-md);
  color: var(--gray-700);
  line-height: 1.7;
  margin-bottom: var(--space-6);
  font-style: italic;
}
.testimonial-card blockquote::before { content: '\201C'; }
.testimonial-card blockquote::after  { content: '\201D'; }

.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: var(--space-4);
}

.author-avatar {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--gold);
  flex-shrink: 0;
}

.testimonial-card__author strong {
  display: block;
  font-weight: 700;
  color: var(--navy);
}
.testimonial-card__author span {
  font-size: var(--font-size-sm);
  color: var(--gray-400);
}

.testimonials-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-4);
  margin-top: var(--space-8);
}

.testimonials-btn {
  width: 44px; height: 44px;
  border-radius: 50%;
  border: 1.5px solid var(--gray-300);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-500);
  transition: var(--transition-fast);
  cursor: pointer;
  background: transparent;
}
.testimonials-btn:hover {
  border-color: var(--gold);
  color: var(--gold);
}

.testimonials-dots {
  display: flex;
  gap: var(--space-2);
  align-items: center;
}

.testimonials-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--gray-300);
  transition: var(--transition-base);
  cursor: pointer;
  border: none;
  padding: 0;
}
.testimonials-dot.active {
  background: var(--gold);
  width: 24px;
  border-radius: var(--radius-full);
}

/* ---- 16. FAQ ---- */
.faq-list {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.faq-item {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition-fast);
}
.faq-item:hover { border-color: var(--gold); }
.faq-item.open { border-color: var(--gold); box-shadow: var(--shadow-sm); }

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-5) var(--space-6);
  font-size: var(--font-size-md);
  font-weight: 600;
  color: var(--navy);
  text-align: left;
  transition: var(--transition-fast);
}
.faq-question:hover { color: var(--gold); }

.faq-icon {
  flex-shrink: 0;
  font-size: var(--font-size-sm);
  color: var(--gold);
  transition: transform .3s ease;
}
.faq-item.open .faq-icon { transform: rotate(45deg); }

.faq-answer {
  padding: 0 var(--space-6) var(--space-5);
  font-size: var(--font-size-sm);
  color: var(--gray-500);
  line-height: 1.7;
  border-top: 1px solid var(--gray-100);
}
.faq-answer[hidden] { display: none; }
.faq-answer p { margin-top: var(--space-4); }

/* ---- 17. BLOG ---- */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}

.blog-card {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-xl);
  overflow: hidden;
  transition: var(--transition-base);
}
.blog-card:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.blog-card__image {
  position: relative;
  height: 180px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
}

.blog-card__image-placeholder {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
  color: rgba(255,255,255,.75);
}

.blog-card__category {
  position: absolute;
  bottom: var(--space-4);
  left: var(--space-4);
  background: var(--gold);
  color: var(--navy);
  font-size: var(--font-size-xs);
  font-weight: 700;
  padding: var(--space-1) var(--space-3);
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: .06em;
}

.blog-card__content { padding: var(--space-6); }

.blog-card__date {
  font-size: var(--font-size-xs);
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: var(--space-3);
  display: block;
}

.blog-card h3 {
  font-size: var(--font-size-lg);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-3);
  line-height: 1.4;
}
.blog-card h3 a { transition: var(--transition-fast); }
.blog-card h3 a:hover { color: var(--gold); }

.blog-card p {
  font-size: var(--font-size-sm);
  color: var(--gray-500);
  line-height: 1.6;
  margin-bottom: var(--space-5);
}

.blog-card__link {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--gold);
  transition: var(--transition-fast);
}
.blog-card__link:hover { gap: var(--space-3); }

/* ---- 18. PARTNERS ---- */
.partners-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: var(--space-4);
}

.partner-logo {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition-base);
  padding: var(--space-4);
}
.partner-logo:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
  transform: translateY(-2px);
}
.partner-logo img {
  max-height: 44px;
  max-width: 85%;
  width: 100%;
  height: 44px;
  object-fit: contain;
  filter: grayscale(100%) opacity(0.6);
  transition: var(--transition-base);
}
.partner-logo:hover img {
  filter: grayscale(0%) opacity(1);
}

/* ---- 19. CONTACT ---- */
.contact-wrapper {
  display: grid;
  grid-template-columns: 360px 1fr;
  gap: var(--space-10);
  align-items: start;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}

.contact-info__item {
  display: flex;
  gap: var(--space-4);
  align-items: flex-start;
}

.contact-info__icon {
  width: 44px; height: 44px;
  background: rgba(240,165,0,.1);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
  font-size: 1rem;
}

.contact-info__item strong {
  display: block;
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--navy);
  margin-bottom: var(--space-1);
}

.contact-info__item a,
.contact-info__item address,
.contact-info__item span {
  font-size: var(--font-size-sm);
  color: var(--gray-500);
  transition: var(--transition-fast);
}
.contact-info__item a:hover { color: var(--gold); }

.contact-social {
  display: flex;
  gap: var(--space-3);
  padding-top: var(--space-4);
  border-top: 1px solid var(--gray-200);
}

.social-btn {
  width: 40px; height: 40px;
  background: var(--gray-100);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-500);
  font-size: var(--font-size-sm);
  transition: var(--transition-fast);
}
.social-btn:hover {
  background: var(--navy);
  color: var(--white);
}

/* Form */
.contact-form {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-xl);
  padding: var(--space-8);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  margin-bottom: var(--space-5);
}

.form-group label {
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--navy);
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: .75rem 1rem;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-md);
  font-size: var(--font-size-md);
  color: var(--gray-900);
  background: var(--white);
  transition: var(--transition-fast);
  outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(240,165,0,.1);
}

.form-group input.error,
.form-group select.error { border-color: var(--red); }

.form-group textarea { resize: vertical; min-height: 100px; }

.form-group select {
  cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236b7a8d' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  -webkit-appearance: none;
  -moz-appearance: none;
}

.form-group--checkbox { flex-direction: row; align-items: flex-start; }
.checkbox-label {
  display: flex;
  gap: var(--space-3);
  font-size: var(--font-size-sm);
  color: var(--gray-500);
  cursor: pointer;
  align-items: flex-start;
}
.checkbox-label input[type="checkbox"] {
  width: 18px; height: 18px;
  flex-shrink: 0;
  margin-top: 2px;
  accent-color: var(--gold);
  cursor: pointer;
}
.checkbox-label a { color: var(--gold); text-decoration: underline; }

.form-error {
  font-size: var(--font-size-xs);
  color: var(--red);
  display: none;
}
.form-error.visible { display: block; }

.form-success {
  background: rgba(0,64,50,.1);
  border: 1px solid var(--green);
  border-radius: var(--radius-md);
  padding: var(--space-4) var(--space-5);
  color: var(--green);
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-top: var(--space-4);
}
.form-success[hidden] { display: none; }

/* ---- 20. FOOTER ---- */
.site-footer { background: var(--navy); color: var(--white); }

.footer-top { padding: var(--space-16) 0 var(--space-12); }

.footer-top__inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: var(--space-10);
}

.footer-brand p {
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,.8);
  margin-top: var(--space-4);
  max-width: 280px;
  line-height: 1.7;
}

.footer-logo { display: inline-block; margin-bottom: var(--space-2); }

.footer-social {
  display: flex;
  gap: var(--space-3);
  margin-top: var(--space-6);
}

.footer-social a {
  width: 38px; height: 38px;
  background: rgba(255,255,255,.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,.85);
  font-size: var(--font-size-sm);
  transition: var(--transition-fast);
}
.footer-social a:hover {
  background: var(--gold);
  color: var(--navy);
}

.footer-nav h4,
.footer-contact h4 {
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: .1em;
  margin-bottom: var(--space-5);
}

.footer-nav ul {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}
.footer-nav a {
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,.8);
  transition: var(--transition-fast);
}
.footer-nav a:hover { color: var(--gold); padding-left: var(--space-1); }

.footer-contact ul {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}
.footer-contact li {
  display: flex;
  gap: var(--space-3);
  align-items: flex-start;
}
.footer-contact i {
  color: var(--gold);
  flex-shrink: 0;
  width: 16px;
  margin-top: 3px;
  font-size: var(--font-size-sm);
}
.footer-contact a,
.footer-contact span,
.footer-contact address {
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,.8);
  transition: var(--transition-fast);
}
.footer-contact a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: var(--space-5) 0;
}

.footer-bottom__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--space-4);
  flex-wrap: wrap;
}

.footer-bottom p {
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,.7);
}

.footer-bottom nav {
  display: flex;
  gap: var(--space-6);
}
.footer-bottom a {
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,.7);
  transition: var(--transition-fast);
}
.footer-bottom a:hover { color: var(--gold); }

/* ---- 21. BACK TO TOP ---- */
.back-to-top {
  position: fixed;
  bottom: var(--space-6);
  right: var(--space-6);
  width: 48px; height: 48px;
  background: var(--navy);
  color: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--font-size-lg);
  box-shadow: var(--shadow-gold);
  transition: var(--transition-spring);
  z-index: 100;
  opacity: 0;
  transform: translateY(20px);
}
.back-to-top:not([hidden]) {
  opacity: 1;
  transform: translateY(0);
}
.back-to-top[hidden] {
  display: flex !important;
  opacity: 0;
  pointer-events: none;
}
.back-to-top:hover { transform: translateY(-4px); }

/* ---- 22. COOKIE BANNER ---- */
.cookie-banner {
  position: fixed;
  bottom: var(--space-4);
  left: var(--space-4);
  right: var(--space-4);
  max-width: 600px;
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius-xl);
  padding: var(--space-5) var(--space-6);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-6);
  box-shadow: var(--shadow-xl);
  z-index: 2000;
  animation: slideUp .4s ease both;
}
.cookie-banner[hidden] { display: none; }

@keyframes slideUp {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}

.cookie-banner__content {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  flex: 1;
}
.cookie-banner__content i { color: var(--gold); font-size: 1.5rem; flex-shrink: 0; }
.cookie-banner__content p { font-size: var(--font-size-sm); color: rgba(255,255,255,.8); }
.cookie-banner__content a { color: var(--gold); text-decoration: underline; }

.cookie-banner__actions { display: flex; gap: var(--space-2); flex-shrink: 0; }

.cookie-banner .btn--outline {
  color: rgba(255,255,255,.95);
  border-color: rgba(255,255,255,.7);
}
.cookie-banner .btn--outline:hover {
  background: rgba(255,255,255,.1);
  color: var(--white);
  border-color: rgba(255,255,255,.4);
  transform: none;
}

/* ---- 23. ANIMATIONS ---- */
.fade-in {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity .6s ease, transform .6s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

.fade-in-left {
  opacity: 0;
  transform: translateX(-30px);
  transition: opacity .6s ease, transform .6s ease;
}
.fade-in-left.visible {
  opacity: 1;
  transform: translateX(0);
}

.fade-in-right {
  opacity: 0;
  transform: translateX(30px);
  transition: opacity .6s ease, transform .6s ease;
}
.fade-in-right.visible {
  opacity: 1;
  transform: translateX(0);
}

/* Stagger delays */
.delay-1 { transition-delay: .1s; }
.delay-2 { transition-delay: .2s; }
.delay-3 { transition-delay: .3s; }
.delay-4 { transition-delay: .4s; }

/* ---- 24. RESPONSIVE ---- */
@media (max-width: 1100px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .partners-grid { grid-template-columns: repeat(4, 1fr); }
  .hero__inner { grid-template-columns: 1fr 380px; gap: var(--space-10); }
}

@media (max-width: 1024px) {
  .main-nav { display: none; }
  .hamburger { display: flex; }
  .btn-phone span { display: none; }
  .btn-ghid { font-size: 0.8rem; padding: 0.4rem 0.75rem; }
  .container { padding: 0 var(--space-5); }

  .hero__inner { grid-template-columns: 1fr; }
  .hero__calculator { max-width: 440px; margin: 0 auto; }
  .hero__content { max-width: 100%; text-align: center; }
  .hero__cta { justify-content: center; }
  .hero__features { justify-content: center; }

  .about__inner { grid-template-columns: 1fr; }
  .about__image-wrap { display: none; }

  .calc-wrapper { grid-template-columns: 1fr; }
  .calc-results { position: static; }

  .process-connector { display: none; }
  .process-steps {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-8);
  }

  .contact-wrapper { grid-template-columns: 1fr; }

  .why-us__grid { grid-template-columns: repeat(2, 1fr); }

  .footer-top__inner { grid-template-columns: 1fr 1fr; gap: var(--space-8); }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 768px) {
  :root { --header-height: 64px; }

  .section { padding: var(--space-16) 0; }
  .container { padding: 0 var(--space-4); }

  .btn-ghid span { display: none; }
  .btn-ghid { padding: 0.45rem 0.6rem; gap: 0; }

  .stats-inner { gap: var(--space-6); }
  .stat-divider { display: none; }

  .services-grid { grid-template-columns: 1fr; }
  .why-us__grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .partners-grid { grid-template-columns: repeat(3, 1fr); }

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

  .testimonials-track .testimonial-card {
    flex: 0 0 100%;
  }

  .process-steps { grid-template-columns: 1fr; }

  .calc-controls { padding: var(--space-6); }
  .calc-results { padding: var(--space-6); }

  .hero__features { flex-direction: column; align-items: center; gap: var(--space-2); }

  .footer-top__inner { grid-template-columns: 1fr; }

  .footer-bottom__inner { flex-direction: column; text-align: center; }
  .footer-bottom nav { flex-wrap: wrap; justify-content: center; gap: var(--space-3); }

  .cookie-banner { flex-direction: column; text-align: center; }
  .cookie-banner__content { flex-direction: column; }
  .cookie-banner__actions { width: 100%; justify-content: center; }
}

@media (max-width: 480px) {
  h1 { font-size: 1.875rem; }
  .hero { padding-top: calc(var(--header-height) + var(--space-10)); }
  .partners-grid { grid-template-columns: repeat(2, 1fr); }
  .hero__cta { flex-direction: column; }
  .hero__cta .btn { width: 100%; justify-content: center; }
  .about__badge-wrap { flex-direction: column; align-items: center; }
  .section { padding: var(--space-12) 0; }
  .section-header { margin-bottom: var(--space-8); }
  .calc-controls { padding: var(--space-4); }
  .calc-results { padding: var(--space-5); }
  .stats-inner { gap: var(--space-4); flex-direction: column; }
  .stat-item { min-width: 0; }
  .container { padding: 0 var(--space-3); }
}

/* ---- 25. PRINT ---- */
@media print {
  .site-header, .mobile-nav, .overlay, .back-to-top,
  .cookie-banner, .hero__calculator { display: none !important; }
  body { font-size: 12pt; }
  .hero { padding-top: 0; }
}

/* ---- 26. REDUCED MOTION ---- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .01ms !important;
    transition-duration: .01ms !important;
  }
}

/* ============================================================
   27. FIXES v2 – typewriter, responsive, butoane, FAQ
   ============================================================ */

/* --- Typewriter cursor --- */
.typewriter-cursor {
  display: inline-block;
  color: var(--gold);
  font-weight: 300;
  margin-left: 2px;
  opacity: 1;
}
.typewriter-cursor.is-blinking {
  animation: blink-cursor 1.1s ease-in-out infinite;
}
@keyframes blink-cursor {
  0%, 45% { opacity: 1; }
  55%, 100% { opacity: 0; }
}
.hero-typewriter { display: inline; }

/* --- Hero: buton Calculează Rata vizibil pe orice fundal --- */
.hero__cta .btn--outline {
  color: var(--white) !important;
  border-color: rgba(255,255,255,.7) !important;
  background: rgba(255,255,255,.06);
}
.hero__cta .btn--outline:hover {
  background: rgba(255,255,255,.14) !important;
  border-color: var(--white) !important;
  color: var(--white) !important;
  transform: translateY(-2px);
}

/* --- Calculator rapid – buton gold mereu vizibil --- */
.quick-calc .btn--gold {
  background: var(--gold) !important;
  color: var(--navy) !important;
  border-color: var(--gold) !important;
  font-weight: 700;
  margin-top: var(--space-2);
}
.quick-calc .btn--gold:hover {
  background: var(--gold-dark) !important;
  transform: translateY(-2px);
}

/* --- Calculator rapid – overflow fix mobile --- */
.hero__calculator {
  width: 100%;
  min-width: 0;
}
.quick-calc {
  width: 100%;
  max-width: 440px;
  overflow: hidden;
}
.qc-input-wrap input[type="number"] {
  min-width: 0;
  width: 100%;
}

/* --- Servicii grid: 2 coloane pe tablet (nu 4) --- */
@media (max-width: 1024px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* --- Hero responsive fix mai precis --- */
@media (max-width: 1024px) {
  .hero__inner {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .hero__content {
    max-width: 100%;
    display: flex;
    flex-direction: column;
    align-items: center;
  }
  .hero__features { justify-content: center; }
  .hero__cta      { justify-content: center; }
  .badge          { align-self: center; }
  .hero__calculator {
    display: flex;
    justify-content: center;
  }
}

/* --- FAQ: stare vizuală îmbunătățită --- */
.faq-item { transition: border-color .2s ease, box-shadow .2s ease; }
.faq-item.open {
  border-color: var(--gold);
  box-shadow: 0 2px 12px rgba(240,165,0,.12);
}
.faq-answer {
  padding: 0 var(--space-6) var(--space-5);
  font-size: var(--font-size-sm);
  color: var(--gray-500);
  line-height: 1.75;
  border-top: 1px solid var(--gray-100);
}
/* Animație deschidere FAQ */
.faq-answer:not([hidden]) {
  animation: fadeDown .25s ease both;
}
@keyframes fadeDown {
  from { opacity: 0; transform: translateY(-6px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* --- Process steps pe mobil: 1 coloană cu linie verticală --- */
@media (max-width: 600px) {
  .process-steps {
    grid-template-columns: 1fr;
    gap: 0;
    position: relative;
  }
  .process-step {
    display: grid;
    grid-template-columns: 60px 1fr;
    grid-template-rows: auto auto;
    column-gap: var(--space-4);
    row-gap: var(--space-1);
    align-items: start;
    text-align: left;
    padding: var(--space-3) 0;
    max-width: 100%;
  }
  .process-step__number { display: none; }
  .process-step__icon {
    grid-column: 1;
    grid-row: 1 / 3;
    width: 56px;
    height: 56px;
    font-size: 1.2rem;
    margin: 0;
    align-self: start;
    position: relative;
    z-index: 1;
  }
  .process-step h3 {
    grid-column: 2;
    grid-row: 1;
    font-size: var(--font-size-base);
    margin-bottom: 0;
    align-self: center;
  }
  .process-step p {
    grid-column: 2;
    grid-row: 2;
    font-size: var(--font-size-sm);
    margin: 0;
  }
  /* Linie verticală prin centrul iconițelor */
  .process-steps::before {
    content: '';
    position: absolute;
    left: 27px;
    top: 80px;
    bottom: 48px;
    width: 2px;
    background: linear-gradient(to bottom, var(--gold), transparent);
    z-index: 0;
  }
}

/* --- Partner logos min-height fix --- */
.partner-logo {
  min-height: 60px;
  height: auto;
}

/* --- Fix buton nav active cu dropdown --- */
.nav-link--has-dropdown.active,
.nav-item--dropdown:hover .nav-link--has-dropdown {
  color: var(--navy);
}
.nav-link--has-dropdown::after { display: none; }

/* --- Mobile: butoane full width în hero --- */
@media (max-width: 420px) {
  .hero__cta { flex-direction: column; width: 100%; }
  .hero__cta .btn { width: 100%; justify-content: center; }
  .quick-calc__body { padding: var(--space-4); }
  .qc-result__value { font-size: var(--font-size-2xl); }
}

/* --- Slider background track fix (Webkit + Moz) --- */
.calc-slider::-webkit-slider-runnable-track {
  height: 6px;
  border-radius: var(--radius-full);
}
.calc-slider::-moz-range-track {
  height: 6px;
  border-radius: var(--radius-full);
  background: rgba(255,255,255,.2);
}
input[type="range"]:focus {
  outline: none;
}

/* --- Footer nav hover smooth --- */
.footer-nav a { transition: color .15s ease, padding-left .15s ease; }

/* --- Services grid full pe mobile --- */
@media (max-width: 600px) {
  .services-grid { grid-template-columns: 1fr; }
}

/* ---- FLOATING CONTACT BUTTONS ---- */
.float-contact {
  position: fixed;
  bottom: 88px;
  right: 24px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  z-index: 900;
}
.float-btn {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  color: var(--white);
  text-decoration: none;
  box-shadow: 0 4px 16px rgba(0,0,0,.22);
  transition: transform .2s ease, box-shadow .2s ease;
}
.float-btn:hover {
  transform: scale(1.12);
  box-shadow: 0 6px 24px rgba(0,0,0,.3);
  color: var(--white);
}
.float-btn--whatsapp { background: #25D366; }
.float-btn--whatsapp:hover { background: #1ebe5a; }
.float-btn--phone { background: var(--gold); }
.float-btn--phone:hover { background: var(--gold-dark); }
@media (max-width: 480px) {
  .float-contact { bottom: 78px; right: 14px; }
  .float-btn { width: 46px; height: 46px; font-size: 1.15rem; }
}

/* Ensure only the right-side close is visible on mobile devices */
@media (max-width: 1024px) {
  /* ensure the in-panel close is available (we'll position it via JS), hide old global/right fallback */
  #mobile-nav-close-global { display: none !important; pointer-events: none !important; }
  .mobile-nav__close--right { display: none !important; pointer-events: none !important; }
}

/* Mobile: show the in-panel close only when the mobile nav is open */
.mobile-nav__close { display: none; }
.mobile-nav.open .mobile-nav__close {
  display: flex;
  position: absolute;
  top: var(--space-4);
  left: var(--space-4);
  z-index: 10005;
  pointer-events: auto;
}

/* ---- REDUCED MOTION ---- */
@media (prefers-reduced-motion: reduce) {
  .typewriter-cursor { animation: none; }
  .fade-in { opacity: 1; transform: none; transition: none; }
  .testimonials-track { transition: none; }
  * { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; }
}