@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;1,400&display=swap');

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

:root {
  --navy:       #1C3C57;
  --navy-mid:   #244a6b;
  --navy-light: #2d5a80;
  --accent:     #8fcbeb;
  --accent-dark:#6db5da;
  --sky:        #e8f4fb;
  --white:      #ffffff;
  --gray:       #6b7280;
  --gray-light: #f4f6f8;
  --border:     #d4e8f5;
  --text-muted: #94a3b8;
  --font:       'Plus Jakarta Sans', sans-serif;
}

html { scroll-behavior: smooth; }

html { overflow-x: hidden; }

body {
  font-family: var(--font);
  color: var(--navy);
  background: var(--white);
  overflow-x: hidden;
  line-height: 1.6;
  padding-top: 94px; /* space for floating nav: 16px top offset + 62px height + 16px gap */
}

h1, h2, h3, h4, h5 { font-family: var(--font); }

/* ─── ICON HELPERS ──────────────────────────────────────── */
.icon-img { display: block; object-fit: contain; }
.icon-white { filter: brightness(0) invert(1); }
.icon-dark  { filter: brightness(0) saturate(100%) invert(15%) sepia(40%) saturate(700%) hue-rotate(172deg) brightness(90%); }
.icon-accent{ filter: brightness(0) saturate(100%) invert(60%) sepia(40%) saturate(600%) hue-rotate(170deg); }

/* ─── TOP BAR ───────────────────────────────────────────── */
.top-bar {
  background: var(--navy);
  height: 38px;
  display: flex;
  align-items: center;
  padding: 0 48px;
}
.top-bar-inner {
  max-width: 1280px;
  margin: 0 auto;
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.top-bar-left { display: flex; align-items: center; gap: 24px; }
.top-bar-item {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.75rem;
  font-weight: 500;
  color: rgba(255,255,255,0.75);
  letter-spacing: 0.02em;
}
.top-bar-item .dot {
  width: 5px; height: 5px;
  background: var(--accent);
  border-radius: 50%;
  flex-shrink: 0;
}
.top-bar-divider { width: 1px; height: 14px; background: rgba(255,255,255,0.2); }
.top-bar-right { display: flex; align-items: center; gap: 20px; }
.top-bar-contact {
  font-size: 0.75rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  letter-spacing: 0.02em;
}
.top-bar-contact:hover { color: white; }

/* ─── NAV ───────────────────────────────────────────────── */
nav {
  position: fixed;
  top: 16px;
  left: 24px;
  right: 24px;
  z-index: 1000;
  background: #0c1821;
  border-radius: 14px;
  height: 62px;
  display: flex;
  align-items: center;
  padding: 0 24px;
  justify-content: space-between;
  box-shadow: 0 8px 40px rgba(0,0,0,0.35), 0 2px 8px rgba(0,0,0,0.15);
  transition: box-shadow 0.3s;
}
nav.scrolled { box-shadow: 0 12px 48px rgba(0,0,0,0.5), 0 2px 8px rgba(0,0,0,0.2); }
.nav-logo { display: flex; align-items: center; text-decoration: none; flex-shrink: 0; }
.nav-logo img { height: 32px; width: auto; filter: brightness(0) invert(1); }
.nav-links { display: flex; gap: 28px; list-style: none; }
.nav-links a {
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  transition: color 0.2s;
  letter-spacing: 0.01em;
}
.nav-links a:hover { color: rgba(255,255,255,0.95); }
.nav-links a.active { color: white; font-weight: 600; }
.nav-actions { display: flex; align-items: center; gap: 8px; }
.btn-nav-login {
  display: inline-flex;
  align-items: center;
  padding: 7px 16px;
  border-radius: 8px;
  font-family: var(--font);
  font-size: 0.8125rem;
  font-weight: 500;
  color: rgba(255,255,255,0.7);
  background: transparent;
  border: 1px solid rgba(255,255,255,0.18);
  text-decoration: none;
  cursor: pointer;
  transition: all 0.2s;
  white-space: nowrap;
}
.btn-nav-login:hover { color: white; border-color: rgba(255,255,255,0.4); background: rgba(255,255,255,0.06); }
.btn-nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 8px 18px;
  border-radius: 8px;
  font-family: var(--font);
  font-size: 0.8125rem;
  font-weight: 600;
  color: #0c1821;
  background: white;
  border: none;
  text-decoration: none;
  cursor: pointer;
  transition: all 0.2s;
  white-space: nowrap;
  letter-spacing: 0.01em;
}
.btn-nav-cta:hover { background: var(--sky); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(255,255,255,0.15); }
/* Nav CTA in menu — desktop hidden, mobile shown inside hamburger */
.nav-cta-item { display: none; }


/* ─── BUTTONS ───────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 11px 24px;
  border-radius: 6px;
  font-family: var(--font);
  font-size: 0.9rem;
  font-weight: 600;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: all 0.2s;
  white-space: nowrap;
  letter-spacing: 0.01em;
}
.btn-primary { background: var(--navy); color: white; }
.btn-primary:hover { background: var(--navy-mid); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(28,60,87,0.25); }
.btn-accent { background: var(--accent); color: var(--navy); }
.btn-accent:hover { background: var(--accent-dark); transform: translateY(-1px); }
.btn-outline-white { background: transparent; color: white; border: 1.5px solid rgba(255,255,255,0.45); }
.btn-outline-white:hover { border-color: white; background: rgba(255,255,255,0.08); }
.btn-outline-navy { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-outline-navy:hover { background: var(--navy); color: white; }
.btn-white { background: white; color: var(--navy); }
.btn-white:hover { background: var(--sky); }
.btn-lg { padding: 14px 32px; font-size: 0.9625rem; }
.btn-sm { padding: 8px 18px; font-size: 0.8125rem; }

/* ─── DIAGONAL PATTERN ──────────────────────────────────── */
.diag-pattern::before {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(
    -50deg, transparent, transparent 80px,
    rgba(255,255,255,0.018) 80px, rgba(255,255,255,0.018) 82px
  );
  pointer-events: none;
}

/* ─── HOMEPAGE HERO ─────────────────────────────────────── */
.hero {
  background: var(--navy);
  position: relative;
  overflow: hidden;
  padding: 48px 48px 80px;
  min-height: calc(100vh - 110px);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(-50deg, transparent, transparent 80px, rgba(255,255,255,0.018) 80px, rgba(255,255,255,0.018) 82px);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  top: -300px; right: -300px;
  width: 900px; height: 900px;
  background: radial-gradient(circle, rgba(45,90,128,0.45) 0%, transparent 65%);
  pointer-events: none;
}
.hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 540px;
  gap: 60px;
  align-items: stretch;
}
.hero-content { padding-bottom: 0; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 10px; margin-bottom: 28px; }
.hero-eyebrow-line { width: 32px; height: 2px; background: var(--accent); }
.hero-eyebrow span { font-size: 0.8125rem; font-weight: 600; color: var(--accent); letter-spacing: 0.1em; text-transform: uppercase; }
.hero h1 { font-size: clamp(2.75rem, 4.5vw, 4.25rem); font-weight: 800; color: white; line-height: 1.08; margin-bottom: 24px; letter-spacing: -0.75px; }
.hero h1 em { font-style: normal; color: var(--accent); }
.hero-sub { font-size: 1.0625rem; color: rgba(255,255,255,0.6); line-height: 1.8; margin-bottom: 40px; max-width: 520px; font-weight: 400; }
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-visual { position: relative; display: flex; flex-direction: column; padding-top: 16px; }
.hero-card-stack { position: relative; flex: 1; display: flex; flex-direction: column; }
.hero-main-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 20px;
  padding: 36px;
  backdrop-filter: blur(8px);
  box-shadow: 0 24px 64px rgba(0,0,0,0.25);
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}
.hero-card-label { font-size: 0.75rem; font-weight: 600; color: var(--accent); letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 20px; }
.hero-card-rate { display: flex; align-items: baseline; gap: 8px; margin-bottom: 8px; }
.hero-card-rate .amount { font-size: 2.75rem; font-weight: 800; color: white; letter-spacing: -1px; }
.hero-card-rate .currency { font-size: 1rem; font-weight: 600; color: rgba(255,255,255,0.5); }
.hero-card-sub { font-size: 0.8125rem; color: rgba(255,255,255,0.45); margin-bottom: 24px; }
.hero-card-divider { height: 1px; background: rgba(255,255,255,0.1); margin-bottom: 20px; }
.hero-card-row { display: flex; justify-content: space-between; align-items: center; }
.hero-card-row span { font-size: 0.8125rem; color: rgba(255,255,255,0.5); }
.hero-card-row strong { font-size: 0.875rem; font-weight: 700; color: white; }
.hero-badge-row { display: flex; gap: 8px; margin-top: 16px; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(143,203,235,0.15);
  border: 1px solid rgba(143,203,235,0.25);
  border-radius: 50px;
  padding: 5px 14px;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--accent);
}

/* ─── PAGE HERO (inner pages) ───────────────────────────── */
.page-hero {
  background: var(--navy);
  padding: 80px 48px 80px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: repeating-linear-gradient(-50deg, transparent, transparent 80px, rgba(255,255,255,0.018) 80px, rgba(255,255,255,0.018) 82px);
  pointer-events: none;
}
.page-hero::after {
  content: '';
  position: absolute;
  top: -200px; right: -200px;
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(45,90,128,0.4) 0%, transparent 65%);
  pointer-events: none;
}
.page-hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.page-hero-inner.centered {
  display: block;
  max-width: 760px;
  text-align: center;
}
.page-hero-eyebrow { display: inline-flex; align-items: center; gap: 10px; margin-bottom: 20px; }
.page-hero-eyebrow-line { width: 28px; height: 2px; background: var(--accent); }
.page-hero-eyebrow span { font-size: 0.8125rem; font-weight: 600; color: var(--accent); letter-spacing: 0.1em; text-transform: uppercase; }
.page-hero h1 { font-size: clamp(2.25rem, 4vw, 3.5rem); font-weight: 800; color: white; line-height: 1.1; margin-bottom: 20px; letter-spacing: -0.5px; }
.page-hero h1 em { font-style: normal; color: var(--accent); }
.page-hero-sub { font-size: 1.0625rem; color: rgba(255,255,255,0.6); line-height: 1.8; margin-bottom: 36px; font-weight: 400; }
.page-hero p { color: rgba(255,255,255,0.65); line-height: 1.8; margin-bottom: 20px; }
.page-hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }
.page-hero-right {}
.page-hero-stat-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.page-hero-stat-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 16px;
  padding: 24px;
}
.page-hero-stat-num { font-size: 2rem; font-weight: 800; color: white; letter-spacing: -0.5px; line-height: 1; margin-bottom: 6px; }
.page-hero-stat-label { font-size: 0.8125rem; color: rgba(255,255,255,0.55); }

/* ─── SHARED SECTION PATTERNS ───────────────────────────── */
.section-eyebrow { display: inline-flex; align-items: center; gap: 10px; margin-bottom: 20px; }
.section-eyebrow-line { width: 28px; height: 2px; background: var(--accent); }
.section-eyebrow span { font-size: 0.75rem; font-weight: 700; color: var(--navy); letter-spacing: 0.1em; text-transform: uppercase; opacity: 0.6; }

.section-h2 { font-size: clamp(2rem, 3vw, 2.875rem); font-weight: 800; color: var(--navy); line-height: 1.15; letter-spacing: -0.5px; margin-bottom: 16px; }
.section-h2-white { color: white; }
.section-lead { font-size: 1rem; color: var(--gray); line-height: 1.8; max-width: 600px; }

/* ─── TRUSTED BY ────────────────────────────────────────── */
.section-trusted { background: var(--gray-light); padding: 32px 48px; border-bottom: 1px solid var(--border); }
.section-trusted-inner { max-width: 1280px; margin: 0 auto; display: flex; align-items: center; gap: 40px; }
.trusted-label { font-size: 0.8125rem; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.08em; white-space: nowrap; flex-shrink: 0; }
.trusted-divider { width: 1px; height: 24px; background: var(--border); flex-shrink: 0; }
.trusted-logos { display: flex; align-items: center; gap: 48px; flex-wrap: wrap; }
.trusted-logo-item { font-size: 0.9375rem; font-weight: 700; color: var(--text-muted); letter-spacing: 0.02em; opacity: 0.6; }

/* ─── INTRO (2-col split) ───────────────────────────────── */
.section-intro { padding: 100px 48px; background: white; }
.section-intro-inner { max-width: 1280px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 100px; align-items: center; }
.intro-left h2 { font-size: clamp(2rem, 3vw, 2.875rem); font-weight: 800; color: var(--navy); line-height: 1.15; margin-bottom: 20px; letter-spacing: -0.5px; }
.intro-left p { font-size: 1rem; color: var(--gray); line-height: 1.8; margin-bottom: 16px; }
.intro-left .btn { margin-top: 16px; }
.intro-right { display: flex; flex-direction: column; }
.intro-feature { display: flex; gap: 20px; padding: 28px 0; border-bottom: 1px solid var(--border); }
.intro-feature:first-child { border-top: 1px solid var(--border); }
.intro-feature-icon { width: 48px; height: 48px; background: var(--sky); border-radius: 12px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.intro-feature-text h4 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.intro-feature-text p { font-size: 0.875rem; color: var(--gray); line-height: 1.7; margin: 0; }

/* ─── SERVICES (dark grid) ──────────────────────────────── */
.section-services { background: var(--navy); padding: 100px 48px; position: relative; overflow: hidden; }
.section-services::before { content: ''; position: absolute; inset: 0; background: repeating-linear-gradient(-50deg, transparent, transparent 80px, rgba(255,255,255,0.015) 80px, rgba(255,255,255,0.015) 82px); }
.section-services-inner { max-width: 1280px; margin: 0 auto; position: relative; z-index: 1; }
.section-header-row { display: flex; align-items: flex-end; justify-content: space-between; margin-bottom: 56px; gap: 40px; }
.section-header-row h2 { font-size: clamp(2rem, 3vw, 2.875rem); font-weight: 800; color: white; line-height: 1.15; letter-spacing: -0.5px; max-width: 560px; }
.section-header-row p { font-size: 0.9375rem; color: rgba(255,255,255,0.5); line-height: 1.75; max-width: 320px; text-align: right; }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; background: rgba(255,255,255,0.06); border-radius: 16px; overflow: hidden; }
.service-card { background: rgba(28,60,87,0.8); padding: 40px 36px; transition: background 0.25s; position: relative; }
.service-card:hover { background: rgba(45,90,128,0.6); }
.service-card-number { font-size: 0.75rem; font-weight: 700; color: var(--accent); letter-spacing: 0.1em; margin-bottom: 20px; opacity: 0.7; }
.service-card-icon { font-size: 2.25rem; margin-bottom: 20px; display: block; }
.service-card h3 { font-size: 1.125rem; font-weight: 700; color: white; margin-bottom: 12px; line-height: 1.3; }
.service-card p { font-size: 0.875rem; color: rgba(255,255,255,0.5); line-height: 1.75; }
.service-card-arrow { display: inline-flex; align-items: center; gap: 6px; margin-top: 20px; font-size: 0.8125rem; font-weight: 600; color: var(--accent); opacity: 0; transition: opacity 0.2s; text-decoration: none; }
.service-card:hover .service-card-arrow { opacity: 1; }

/* ─── PROCESS (how it works) ────────────────────────────── */
.section-process { padding: 100px 48px; background: var(--sky); }
.section-process-inner { max-width: 1280px; margin: 0 auto; }
.process-header { text-align: center; margin-bottom: 72px; }
.process-header h2 { font-size: clamp(2rem, 3vw, 2.875rem); font-weight: 800; color: var(--navy); letter-spacing: -0.5px; margin-bottom: 16px; }
.process-header p { font-size: 1rem; color: var(--gray); max-width: 520px; margin: 0 auto; line-height: 1.75; }
.process-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; position: relative; }
.process-steps::before { content: ''; position: absolute; top: 28px; left: calc(12.5% + 20px); right: calc(12.5% + 20px); height: 1px; background: var(--border); z-index: 0; }
.process-steps.three-col { grid-template-columns: repeat(3, 1fr); }
.process-steps.three-col::before { left: calc(16.67% + 20px); right: calc(16.67% + 20px); }
.process-step { padding: 0 24px; text-align: center; position: relative; z-index: 1; }
.process-step-num { width: 56px; height: 56px; background: var(--navy); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.125rem; font-weight: 800; color: white; margin: 0 auto 24px; }
.process-step h4 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.process-step p { font-size: 0.875rem; color: var(--gray); line-height: 1.7; }

/* ─── SPLIT PANELS ──────────────────────────────────────── */
.section-split { display: grid; grid-template-columns: 1fr 1fr; }
.split-panel { padding: 100px 72px; position: relative; overflow: hidden; }
.split-panel-personal { background: white; border-right: 1px solid var(--border); }
.split-panel-business { background: var(--gray-light); }
.split-panel-tag { display: inline-block; padding: 5px 14px; border-radius: 4px; font-size: 0.75rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 24px; }
.tag-personal { background: var(--sky); color: var(--navy-light); }
.tag-business { background: var(--navy); color: white; }
.split-panel h3 { font-size: clamp(1.625rem, 2.5vw, 2.25rem); font-weight: 800; color: var(--navy); line-height: 1.2; margin-bottom: 16px; letter-spacing: -0.3px; }
.split-panel p { font-size: 0.9625rem; color: var(--gray); line-height: 1.8; margin-bottom: 32px; max-width: 420px; }
.split-features { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-bottom: 36px; }
.split-features li { display: flex; align-items: center; gap: 10px; font-size: 0.9rem; color: var(--navy); font-weight: 500; }
.split-features li::before {
  content: '';
  width: 18px; height: 18px;
  background: var(--accent);
  border-radius: 50%;
  flex-shrink: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231C3C57' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'%3E%3C/polyline%3E%3C/svg%3E");
  background-size: 11px;
  background-repeat: no-repeat;
  background-position: center;
}

/* ─── QUOTE FORM ────────────────────────────────────────── */
.section-quote { background: var(--navy); padding: 100px 48px; position: relative; overflow: hidden; }
.section-quote::before { content: ''; position: absolute; inset: 0; background: repeating-linear-gradient(-50deg, transparent, transparent 80px, rgba(255,255,255,0.015) 80px, rgba(255,255,255,0.015) 82px); }
.section-quote-inner { max-width: 800px; margin: 0 auto; position: relative; z-index: 1; }
.quote-header { text-align: center; margin-bottom: 48px; }
.quote-header h2 { font-size: clamp(2rem, 3vw, 2.75rem); font-weight: 800; color: white; letter-spacing: -0.5px; margin-bottom: 12px; }
.quote-header p { font-size: 1rem; color: rgba(255,255,255,0.55); line-height: 1.75; }
.quote-form-card { background: white; border-radius: 16px; padding: 48px; box-shadow: 0 32px 80px rgba(0,0,0,0.25); }
.form-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 7px; margin-bottom: 16px; }
.form-group label { font-size: 0.8125rem; font-weight: 600; color: var(--navy); }
.form-group label .req { color: #ef4444; }
.form-group input, .form-group select, .form-group textarea {
  padding: 11px 16px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-family: var(--font);
  font-size: 0.875rem;
  color: var(--navy);
  background: white;
  outline: none;
  transition: border-color 0.2s;
  width: 100%;
}
.form-group input:focus, .form-group select:focus { border-color: var(--accent); }
.form-group select { appearance: none; cursor: pointer; }
.form-radio-group { display: flex; gap: 24px; padding: 6px 0; }
.form-radio-group label { display: flex; align-items: center; gap: 8px; font-size: 0.875rem; font-weight: 400; cursor: pointer; color: var(--navy); }
.form-check { display: flex; align-items: flex-start; gap: 10px; margin: 8px 0 20px; }
.form-check input { width: 16px; height: 16px; margin-top: 2px; flex-shrink: 0; }
.form-check span { font-size: 0.8125rem; color: var(--gray); line-height: 1.6; }
.form-check a { color: var(--navy-light); }
.btn-submit { width: 100%; padding: 14px; background: var(--navy); color: white; border: none; border-radius: 8px; font-family: var(--font); font-size: 1rem; font-weight: 700; cursor: pointer; transition: background 0.2s, transform 0.15s; letter-spacing: 0.01em; }
.btn-submit:hover { background: var(--navy-mid); transform: translateY(-1px); }

/* ─── TESTIMONIALS ──────────────────────────────────────── */
.section-testimonials { padding: 100px 48px; background: white; }
.section-testimonials-inner { max-width: 1280px; margin: 0 auto; }
.testimonials-header { text-align: center; margin-bottom: 64px; }
.testimonials-header h2 { font-size: clamp(2rem, 3vw, 2.875rem); font-weight: 800; color: var(--navy); letter-spacing: -0.5px; margin-bottom: 12px; }
.testimonials-header p { font-size: 1rem; color: var(--gray); }
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card { background: var(--gray-light); border-radius: 16px; padding: 36px; border: 1px solid var(--border); transition: box-shadow 0.2s; }
.testimonial-card:hover { box-shadow: 0 8px 32px rgba(28,60,87,0.08); }
.testimonial-stars { display: flex; gap: 3px; margin-bottom: 20px; }
.testimonial-stars span { color: #f59e0b; font-size: 0.9375rem; }
.testimonial-quote { font-size: 1rem; color: var(--navy); line-height: 1.75; margin-bottom: 28px; font-weight: 400; }
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.testimonial-avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--accent); display: flex; align-items: center; justify-content: center; font-size: 1rem; font-weight: 800; color: var(--navy); flex-shrink: 0; }
.testimonial-name { font-size: 0.9rem; font-weight: 700; color: var(--navy); }
.testimonial-role { font-size: 0.8125rem; color: var(--gray); margin-top: 2px; }

/* ─── REGULATORY ────────────────────────────────────────── */
.section-regulatory { background: var(--gray-light); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 36px 48px; }
.section-regulatory-inner { max-width: 1280px; margin: 0 auto; display: flex; align-items: center; gap: 40px; }
.regulatory-badge { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.regulatory-badge-icon { width: 48px; height: 48px; background: var(--navy); border-radius: 10px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.regulatory-badge-text strong { display: block; font-size: 0.875rem; font-weight: 700; color: var(--navy); }
.regulatory-badge-text span { font-size: 0.75rem; color: var(--gray); }
.regulatory-divider { width: 1px; height: 40px; background: var(--border); flex-shrink: 0; }
.regulatory-text { font-size: 0.8125rem; color: var(--gray); line-height: 1.7; flex: 1; }

/* ─── CTA BANNER ────────────────────────────────────────── */
.section-cta-banner { background: var(--navy); padding: 96px 48px; text-align: center; position: relative; overflow: hidden; }
.section-cta-banner::before { content: ''; position: absolute; inset: 0; background: repeating-linear-gradient(-50deg, transparent, transparent 80px, rgba(255,255,255,0.015) 80px, rgba(255,255,255,0.015) 82px); }
.section-cta-banner-inner { max-width: 680px; margin: 0 auto; position: relative; z-index: 1; }
.section-cta-banner h2 { font-size: clamp(2rem, 3.5vw, 3rem); font-weight: 800; color: white; line-height: 1.15; margin-bottom: 16px; letter-spacing: -0.5px; }
.section-cta-banner p { font-size: 1rem; color: rgba(255,255,255,0.6); line-height: 1.75; margin-bottom: 40px; }
.cta-btn-row { display: flex; align-items: center; justify-content: center; gap: 12px; }

/* ─── CONTENT CARDS (light bg) ──────────────────────────── */
.section-cards { padding: 100px 48px; background: white; }
.section-cards.bg-sky { background: var(--sky); }
.section-cards.bg-light { background: var(--gray-light); }
.section-cards-inner { max-width: 1280px; margin: 0 auto; }
.cards-header { margin-bottom: 56px; }
.cards-header.centered { text-align: center; }
.cards-header.centered .section-eyebrow { justify-content: center; }
.cards-header h2 { font-size: clamp(2rem, 3vw, 2.875rem); font-weight: 800; color: var(--navy); line-height: 1.15; letter-spacing: -0.5px; margin-bottom: 16px; }
.cards-header p { font-size: 1rem; color: var(--gray); line-height: 1.75; max-width: 600px; }
.cards-header.centered p { margin: 0 auto; }
.card-grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card-grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.content-card { background: white; border-radius: 16px; padding: 36px; border: 1px solid var(--border); transition: box-shadow 0.2s, transform 0.2s; }
.content-card:hover { box-shadow: 0 8px 32px rgba(28,60,87,0.08); transform: translateY(-2px); }
.content-card.dark { background: rgba(28,60,87,0.8); border-color: rgba(255,255,255,0.1); }
.content-card-icon { width: 52px; height: 52px; background: var(--sky); border-radius: 12px; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.content-card.dark .content-card-icon { background: rgba(255,255,255,0.1); }
.content-card h3 { font-size: 1.125rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; line-height: 1.3; }
.content-card.dark h3 { color: white; }
.content-card p { font-size: 0.875rem; color: var(--gray); line-height: 1.75; }
.content-card.dark p { color: rgba(255,255,255,0.5); }

/* ─── FAQ ───────────────────────────────────────────────── */
.section-faq { padding: 100px 48px; background: white; }
.section-faq.bg-sky { background: var(--sky); }
.section-faq-inner { max-width: 860px; margin: 0 auto; }
.section-faq h2 { font-size: clamp(2rem, 3vw, 2.875rem); font-weight: 800; color: var(--navy); text-align: center; margin-bottom: 56px; letter-spacing: -0.5px; }
.faq-item { border-bottom: 1.5px solid var(--border); }
.faq-btn { width: 100%; background: none; border: none; padding: 22px 0; display: flex; justify-content: space-between; align-items: center; gap: 16px; cursor: pointer; font-family: var(--font); font-size: 1rem; font-weight: 600; color: var(--navy); text-align: left; }
.faq-btn:hover { color: var(--navy-light); }
.faq-icon { width: 32px; height: 32px; border-radius: 50%; background: var(--sky); display: flex; align-items: center; justify-content: center; font-size: 1.25rem; font-weight: 300; color: var(--navy); flex-shrink: 0; transition: transform 0.25s, background 0.2s; }
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--navy); color: white; }
.faq-answer { display: none; padding: 0 0 22px; font-size: 0.9375rem; color: var(--gray); line-height: 1.8; }
.faq-item.open .faq-answer { display: block; }

/* ─── COMPARISON TABLE ──────────────────────────────────── */
.section-compare { padding: 100px 48px; background: var(--gray-light); }
.section-compare-inner { max-width: 1000px; margin: 0 auto; }
.compare-table { width: 100%; border-collapse: collapse; border-radius: 16px; overflow: hidden; box-shadow: 0 4px 24px rgba(28,60,87,0.08); }
.compare-table thead th { padding: 20px 28px; font-size: 0.875rem; font-weight: 700; letter-spacing: 0.02em; }
.compare-table thead th:first-child { background: var(--gray-light); color: var(--gray); text-align: left; }
.compare-table thead th.th-dinheiro { background: var(--navy); color: white; }
.compare-table thead th.th-bank { background: white; color: var(--navy); }
.compare-table tbody tr { border-bottom: 1px solid var(--border); }
.compare-table tbody td { padding: 18px 28px; font-size: 0.9rem; background: white; }
.compare-table tbody td:first-child { background: var(--gray-light); color: var(--navy); font-weight: 600; }
.compare-table tbody td.td-dinheiro { background: rgba(28,60,87,0.04); color: var(--navy); font-weight: 600; text-align: center; }
.compare-table tbody td.td-bank { color: var(--gray); text-align: center; }
.compare-check { color: #22c55e; font-weight: 700; }
.compare-cross { color: #ef4444; }

/* ─── ABOUT VALUES ──────────────────────────────────────── */
.section-values { padding: 100px 48px; background: white; }
.section-values-inner { max-width: 1280px; margin: 0 auto; }
.values-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2px; background: var(--border); border-radius: 16px; overflow: hidden; margin-top: 56px; }
.value-item { background: white; padding: 48px 36px; }
.value-item:hover { background: var(--sky); }
.value-num { font-size: 0.75rem; font-weight: 700; color: var(--accent); letter-spacing: 0.1em; margin-bottom: 20px; }
.value-item h3 { font-size: 1.25rem; font-weight: 800; color: var(--navy); margin-bottom: 12px; }
.value-item p { font-size: 0.875rem; color: var(--gray); line-height: 1.75; }

/* ─── TEAM ──────────────────────────────────────────────── */
.section-team { padding: 100px 48px; background: var(--sky); }
.section-team-inner { max-width: 1280px; margin: 0 auto; }
.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 56px; }
.team-card { background: white; border-radius: 16px; overflow: hidden; border: 1px solid var(--border); }
.team-card-avatar { height: 200px; background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); display: flex; align-items: center; justify-content: center; font-size: 3rem; font-weight: 800; color: var(--accent); }
.team-card-info { padding: 24px; }
.team-card-name { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.team-card-role { font-size: 0.8125rem; color: var(--gray); }

/* ─── INTRODUCER BENEFITS ───────────────────────────────── */
.section-benefits { padding: 100px 48px; background: var(--navy); position: relative; overflow: hidden; }
.section-benefits::before { content: ''; position: absolute; inset: 0; background: repeating-linear-gradient(-50deg, transparent, transparent 80px, rgba(255,255,255,0.015) 80px, rgba(255,255,255,0.015) 82px); }
.section-benefits-inner { max-width: 1280px; margin: 0 auto; position: relative; z-index: 1; }
.benefits-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 56px; }
.benefit-card { background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12); border-radius: 16px; padding: 36px; }
.benefit-card-icon { width: 52px; height: 52px; background: rgba(255,255,255,0.1); border-radius: 12px; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.benefit-card h3 { font-size: 1.125rem; font-weight: 700; color: white; margin-bottom: 10px; }
.benefit-card p { font-size: 0.875rem; color: rgba(255,255,255,0.55); line-height: 1.75; }

/* ─── COMPARE TOOL PLACEHOLDER ──────────────────────────── */
.section-rate-tool { padding: 80px 48px; background: var(--sky); }
.section-rate-tool-inner { max-width: 900px; margin: 0 auto; }
.rate-tool-card { background: white; border-radius: 20px; padding: 48px; box-shadow: 0 8px 40px rgba(28,60,87,0.1); border: 1px solid var(--border); }
.rate-tool-row { display: grid; grid-template-columns: 1fr auto 1fr; gap: 16px; align-items: end; margin-bottom: 24px; }
.rate-tool-swap { width: 44px; height: 44px; background: var(--navy); border-radius: 50%; display: flex; align-items: center; justify-content: center; cursor: pointer; flex-shrink: 0; margin-bottom: 2px; border: none; transition: background 0.2s; }
.rate-tool-swap:hover { background: var(--navy-mid); }
.rate-tool-result { background: var(--sky); border-radius: 12px; padding: 24px; text-align: center; margin-top: 8px; }
.rate-tool-result-label { font-size: 0.8125rem; color: var(--gray); margin-bottom: 8px; }
.rate-tool-result-amount { font-size: 2.5rem; font-weight: 800; color: var(--navy); letter-spacing: -1px; }
.rate-tool-result-sub { font-size: 0.8125rem; color: var(--gray); margin-top: 8px; }
.coming-soon-badge { display: inline-flex; align-items: center; gap: 8px; background: var(--accent); color: var(--navy); font-size: 0.75rem; font-weight: 700; padding: 5px 14px; border-radius: 50px; letter-spacing: 0.05em; margin-bottom: 20px; }

/* ─── FOOTER ────────────────────────────────────────────── */
footer { background: #0f2233; color: rgba(255,255,255,0.6); }
.footer-main { max-width: 1280px; margin: 0 auto; padding: 72px 48px 56px; display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr 1.2fr; gap: 48px; }
.footer-brand-logo img { height: 32px; width: auto; filter: brightness(0) invert(1); margin-bottom: 20px; }
.footer-brand p { font-size: 0.875rem; line-height: 1.75; color: rgba(255,255,255,0.45); max-width: 280px; margin-bottom: 28px; }
.footer-social { display: flex; gap: 10px; }
.footer-social-btn { width: 36px; height: 36px; background: rgba(255,255,255,0.08); border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 0.875rem; text-decoration: none; color: rgba(255,255,255,0.6); transition: background 0.2s; }
.footer-social-btn:hover { background: rgba(255,255,255,0.15); color: white; }
.footer-col-title { font-size: 0.75rem; font-weight: 700; color: white; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 20px; }
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-links li { font-size: 0.875rem; color: rgba(255,255,255,0.5); }
.footer-links a { font-size: 0.875rem; color: rgba(255,255,255,0.5); text-decoration: none; transition: color 0.2s; }
.footer-links a:hover { color: white; }
.footer-contact-item { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 14px; }
.footer-contact-icon { font-size: 0.875rem; margin-top: 1px; flex-shrink: 0; }
.footer-contact-text { font-size: 0.875rem; color: rgba(255,255,255,0.5); line-height: 1.6; }
.footer-contact-text a { color: rgba(255,255,255,0.5); text-decoration: none; }
.footer-contact-text a:hover { color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); }
.footer-regulatory-notice { max-width: 1280px; margin: 0 auto; padding: 0 48px 24px; font-size: 0.75rem; color: rgba(255,255,255,0.25); line-height: 1.7; }
.footer-bottom-inner { max-width: 1280px; margin: 0 auto; padding: 24px 48px; display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.footer-bottom-left { font-size: 0.8125rem; color: rgba(255,255,255,0.35); }
.footer-bottom-right { display: flex; gap: 24px; }
.footer-bottom-right a { font-size: 0.8125rem; color: rgba(255,255,255,0.35); text-decoration: none; transition: color 0.2s; }
.footer-bottom-right a:hover { color: rgba(255,255,255,0.7); }

/* ─── CLASS ALIASES & OVERRIDES ─────────────────────────── */

/* Stat number alias */
.page-hero-stat-number { font-size: 2rem; font-weight: 800; color: white; letter-spacing: -0.5px; line-height: 1; margin-bottom: 6px; }

/* Team section — navy background variant for about page */
.section-team { background: var(--navy); }
.team-card { padding: 0; }
.team-avatar {
  height: 120px;
  background: linear-gradient(135deg, var(--navy-mid) 0%, var(--navy-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  font-weight: 800;
  color: var(--accent);
}
.team-card h4 { font-size: 1rem; font-weight: 700; color: var(--navy); margin: 20px 24px 4px; }
.team-role { font-size: 0.8125rem; color: var(--accent); font-weight: 600; margin: 0 24px 12px; }
.team-card p { font-size: 0.8125rem; color: var(--gray); line-height: 1.7; padding: 0 24px 24px; margin: 0; }

/* Value item — icon and h4 support */
.value-icon {
  width: 52px;
  height: 52px;
  background: var(--sky);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.value-item h4 { font-size: 1.0625rem; font-weight: 800; color: var(--navy); margin-bottom: 10px; }

/* Benefit card — icon and h4 support */
.benefit-icon {
  width: 52px;
  height: 52px;
  background: rgba(255,255,255,0.1);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.benefit-card h4 { font-size: 1.0625rem; font-weight: 700; color: white; margin-bottom: 10px; }

/* =================================================================
   MOBILE RESPONSIVE STYLES
   ================================================================= */

/* --- HAMBURGER BUTTON ------------------------------------------ */
.nav-hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 8px;
  cursor: pointer;
  padding: 0;
  flex-shrink: 0;
}
.nav-hamburger span {
  display: block;
  width: 18px;
  height: 2px;
  background: white;
  border-radius: 2px;
  transition: transform 0.25s, opacity 0.25s;
  transform-origin: center;
}
.nav-hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.active span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav-hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.5);
  z-index: 999;
}
.nav-overlay.active { display: block; }

/* --- TABLET (<=1024px) ----------------------------------------- */
@media (max-width: 1024px) {
  .nav-links { gap: 18px; }
  .nav-links a { font-size: 0.8125rem; }
  .hero-inner { grid-template-columns: 1fr 440px; gap: 40px; }
  .footer-main { grid-template-columns: 1fr 1fr 1fr; gap: 32px; }
  .footer-brand { grid-column: 1 / -1; }
  .values-grid { grid-template-columns: repeat(2, 1fr); }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
}

/* --- MOBILE (<=768px) ------------------------------------------ */
@media (max-width: 768px) {

  .top-bar { display: none; }
  body { padding-top: 76px; }

  /* Nav */
  nav {
    top: 10px;
    left: 12px;
    right: 12px;
    height: 56px;
    padding: 0 16px;
  }
  .nav-logo img { height: 26px; }
  .nav-hamburger { display: flex; }
  .nav-links {
    display: none;
    position: fixed;
    top: 76px;
    left: 12px;
    right: 12px;
    background: #0c1821;
    border-radius: 14px;
    padding: 12px 8px;
    flex-direction: column;
    gap: 2px;
    z-index: 1000;
    box-shadow: 0 16px 48px rgba(0,0,0,0.4);
    border: 1px solid rgba(255,255,255,0.1);
  }
  .nav-links.nav-open { display: flex; }
  .nav-links li { list-style: none; }
  .nav-links a {
    display: block;
    padding: 11px 16px;
    font-size: 0.9375rem;
    border-radius: 8px;
    color: rgba(255,255,255,0.7);
  }
  .nav-links a:hover, .nav-links a.active {
    background: rgba(255,255,255,0.07);
    color: white;
  }
  .nav-actions { gap: 6px; }
  .btn-nav-login { display: none; }
  /* Hide CTA from top bar on mobile, show only inside menu */
  .nav-actions .btn-nav-cta { display: none !important; }

  /* CTA item inside hamburger menu */
  .nav-cta-item {
    display: block !important;
    margin: 6px 8px 4px !important;
    padding-top: 8px !important;
    border-top: 1px solid rgba(255,255,255,0.1) !important;
  }
  .btn-nav-cta-menu {
    display: block !important;
    width: 100% !important;
    text-align: left !important;
    padding: 11px 16px !important;
    border-radius: 8px !important;
    background: none !important;
    color: rgba(255,255,255,0.7) !important;
    border: none !important;
    font-size: 0.9375rem !important;
    font-weight: 400 !important;
    box-shadow: none !important;
    letter-spacing: normal !important;
  }
  .btn-nav-cta-menu:hover {
    background: rgba(255,255,255,0.07) !important;
    color: white !important;
  }


  /* Hero (index.html) - override inline padding-top */
  .hero {
    padding: 40px 20px 64px !important;
    min-height: auto !important;
  }
  .hero-inner { grid-template-columns: 1fr; gap: 32px; }
  .hero h1 { font-size: clamp(2rem, 8vw, 2.75rem); }
  .hero-sub { font-size: 0.9375rem; margin-bottom: 28px; }
  .hero-btns { flex-direction: column; gap: 10px; }
  .hero-btns .btn { width: 100%; justify-content: center; }
  .hero-visual { display: none; }

  /* Page hero (all inner pages) - override ALL inline styles */
  .page-hero {
    flex-direction: column !important;
    min-height: auto !important;
    padding: 56px 20px 48px !important;
    gap: 32px !important;
    align-items: flex-start !important;
  }
  .page-hero > div {
    flex: none !important;
    width: 100% !important;
    max-width: 100% !important;
    display: block !important;
  }
  /* Hide decorative right-column visuals on mobile (cards, charts) */
  .page-hero > div:last-child { display: none !important; }
  /* But keep careers stats visible — override for that page */
  .page-hero > div:last-child.keep-mobile { display: block !important; }

  .page-hero .page-hero-stat-grid {
    display: grid !important;
    grid-template-columns: 1fr 1fr !important;
    gap: 12px;
  }
  .page-hero h1 { font-size: clamp(1.625rem, 5.5vw, 2rem) !important; line-height: 1.15 !important; }
  .page-hero-sub { font-size: 0.9375rem; }
  .page-hero-btns { flex-direction: column; gap: 10px; }
  .page-hero-btns .btn { width: 100%; justify-content: center; }
  .page-hero-stat-card { padding: 16px; }
  .page-hero-stat-num, .page-hero-stat-number { font-size: 1.5rem; }

  /* Inline grid overrides - 2-col and 3-col grids to single column */
  [style*="grid-template-columns:1fr 1fr"],
  [style*="grid-template-columns: 1fr 1fr"],
  [style*="grid-template-columns:repeat(2"],
  [style*="grid-template-columns: repeat(2"],
  [style*="grid-template-columns:1fr 1fr 1fr"],
  [style*="grid-template-columns: 1fr 1fr 1fr"],
  [style*="grid-template-columns:repeat(3"],
  [style*="grid-template-columns: repeat(3"],
  [style*="grid-template-columns:1fr 48px 1fr"],
  [style*="grid-template-columns: 1fr 48px 1fr"] {
    grid-template-columns: 1fr !important;
  }

  /* Sections with inline padding 100px 48px */
  section[style*="padding:100px 48px"],
  section[style*="padding: 100px 48px"] {
    padding: 64px 20px !important;
  }
  .section-rate-tool {
    padding: 64px 20px !important;
  }


  /* Prevent any element from breaking out of viewport */
  img, canvas, video, iframe { max-width: 100%; }

  /* Fix inline flex space-between layouts that overflow on mobile */
  [style*="justify-content:space-between"],
  [style*="justify-content: space-between"] {
    flex-wrap: wrap !important;
  }
  /* Tighten the gap on wrapped flex layouts */
  section[style*="padding:100px 48px"] [style*="justify-content:space-between"],
  section[style*="padding: 100px 48px"] [style*="justify-content:space-between"] {
    gap: 16px !important;
  }

  /* Inline max-width values that could be wider than mobile viewport */
  [style*="max-width:480px"] { max-width: 100% !important; }
  [style*="max-width: 480px"] { max-width: 100% !important; }
  [style*="max-width:320px"] { max-width: 100% !important; }
  [style*="max-width: 320px"] { max-width: 100% !important; }

  /* Stat number font on mobile — clamp(2.8rem,4vw,4rem) hits 2.8rem (44px) min */
  [style*="font-size:clamp(2.8rem"] { font-size: clamp(1.75rem, 6vw, 2.25rem) !important; }
  [style*="font-size: clamp(2.8rem"] { font-size: clamp(1.75rem, 6vw, 2.25rem) !important; }
  /* CSS class section padding */
  .section-intro, .section-services, .section-process,
  .section-quote, .section-testimonials, .section-cards,
  .section-faq, .section-compare, .section-values,
  .section-team, .section-benefits, .section-cta-banner {
    padding-left: 20px;
    padding-right: 20px;
    padding-top: 64px;
    padding-bottom: 64px;
  }
  .section-trusted, .section-regulatory { padding: 20px; }

  /* Layouts */
  .section-intro-inner { grid-template-columns: 1fr; gap: 40px; }
  .services-grid { grid-template-columns: 1fr; }
  .section-header-row { flex-direction: column; align-items: flex-start; margin-bottom: 36px; }
  .section-header-row p { text-align: left; max-width: 100%; }
  .process-steps { grid-template-columns: 1fr 1fr; gap: 32px; }
  .process-steps::before { display: none; }
  .process-steps.three-col { grid-template-columns: 1fr 1fr; }
  .section-split { grid-template-columns: 1fr; }
  .split-panel { padding: 56px 20px; }
  .split-panel-personal { border-right: none; border-bottom: 1px solid var(--border); }
  .testimonials-grid { grid-template-columns: 1fr; }
  .card-grid-3, .card-grid-2 { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr 1fr; }
  .benefits-grid { grid-template-columns: 1fr; }

  /* Trusted by */
  .section-trusted-inner { flex-wrap: wrap; gap: 16px; }
  .trusted-divider { display: none; }
  .trusted-logos { gap: 24px; }

  /* Regulatory */
  .section-regulatory-inner { flex-wrap: wrap; gap: 16px; }
  .regulatory-divider { display: none; }

  /* Quote form */
  .quote-form-card { padding: 28px 20px; }
  .form-grid-2 { grid-template-columns: 1fr; }
  .form-radio-group { flex-wrap: wrap; gap: 12px; }

  /* CTA banner buttons */
  .cta-btn-row { flex-direction: column; gap: 10px; }
  .cta-btn-row .btn { width: 100%; justify-content: center; }

  /* Compare table - horizontal scroll */
  .section-compare-inner { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .compare-table { min-width: 580px; }
  .compare-table thead th, .compare-table tbody td { padding: 14px 16px; font-size: 0.8125rem; }

  /* Footer */
  .footer-main { grid-template-columns: 1fr; padding: 48px 20px 36px; gap: 36px; }
  .footer-bottom-inner { padding: 20px; flex-direction: column; gap: 12px; text-align: center; }
  .footer-regulatory-notice { padding: 0 20px 20px; }
  .footer-bottom-right { flex-wrap: wrap; justify-content: center; gap: 16px; }

  /* Headings */
  .section-h2 { font-size: clamp(1.75rem, 6vw, 2.25rem); }
  .cards-header h2, .process-header h2, .testimonials-header h2,
  .section-faq h2, .quote-header h2, .section-cta-banner h2,
  .section-header-row h2 { font-size: clamp(1.75rem, 6vw, 2.25rem); }
}

/* --- SMALL MOBILE (<=480px) ------------------------------------ */
@media (max-width: 480px) {
  .hero h1 { font-size: 1.875rem; }
  .page-hero h1 { font-size: 1.75rem !important; }
  .hero-badge-row { flex-wrap: wrap; }
  .process-steps, .process-steps.three-col { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .page-hero-stat-grid { grid-template-columns: 1fr !important; }
  .btn-lg { padding: 12px 24px; font-size: 0.875rem; }
}

/* =================================================================
   MOBILE QUOTE DRAWER
   ================================================================= */
.quote-drawer { display: none; }

@media (max-width: 768px) {
  .quote-drawer {
    display: block;
    position: fixed;
    inset: 0;
    z-index: 2000;
    pointer-events: none;
  }
  .quote-drawer.open { pointer-events: all; }

  .quote-drawer-overlay {
    position: absolute;
    inset: 0;
    background: rgba(0,0,0,0);
    transition: background 0.35s;
  }
  .quote-drawer.open .quote-drawer-overlay {
    background: rgba(0,0,0,0.55);
  }

  .quote-drawer-sheet {
    position: absolute;
    bottom: 0; left: 0; right: 0;
    background: white;
    border-radius: 22px 22px 0 0;
    max-height: 88vh;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    transform: translateY(100%);
    transition: transform 0.38s cubic-bezier(0.32, 0.72, 0, 1);
    box-shadow: 0 -8px 48px rgba(0,0,0,0.18);
  }
  .quote-drawer.open .quote-drawer-sheet {
    transform: translateY(0);
  }

  .quote-drawer-handle {
    width: 44px; height: 4px;
    background: #e5e7eb;
    border-radius: 2px;
    margin: 14px auto 0;
    flex-shrink: 0;
  }

  .quote-drawer-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 20px 4px;
    border-bottom: 1px solid #f0f0f0;
    margin-bottom: 4px;
  }
  .quote-drawer-header h3 {
    font-size: 1.125rem;
    font-weight: 800;
    color: var(--navy);
    margin: 0;
  }
  .quote-drawer-close {
    width: 34px; height: 34px;
    border-radius: 50%;
    background: #f3f4f6;
    border: none;
    font-size: 1rem;
    color: #6b7280;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font);
    line-height: 1;
  }
  .quote-drawer-close:active { background: #e5e7eb; }

  .quote-drawer-body {
    padding: 16px 20px 48px;
  }
  .quote-drawer-body > p {
    font-size: 0.875rem;
    color: var(--gray);
    margin-bottom: 20px;
    line-height: 1.6;
  }
  .quote-drawer-body .form-group { margin-bottom: 14px; }
  .quote-drawer-body .form-grid-2 { grid-template-columns: 1fr 1fr; gap: 12px; }
  .quote-drawer-body .btn-submit { margin-top: 8px; }

  .quote-drawer-success {
    display: none;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 48px 24px;
    text-align: center;
    gap: 16px;
  }
  .quote-drawer-success.show { display: flex; }
  .quote-drawer-success-icon {
    width: 64px; height: 64px;
    background: #dcfce7;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.75rem;
  }
  .quote-drawer-success h4 {
    font-size: 1.25rem;
    font-weight: 800;
    color: var(--navy);
    margin: 0;
  }
  .quote-drawer-success p {
    font-size: 0.9rem;
    color: var(--gray);
    margin: 0;
    line-height: 1.6;
  }
}