/* ═══════════════════════════════════════════════════════════════
   LOAN LANDING PAGE — Complete Design System
   Premium financial services aesthetic
   ═══════════════════════════════════════════════════════════════ */

/* ── 1. DESIGN TOKENS ──────────────────────────────────────── */
:root {
  --primary:        #0F63FF;
  --primary-dark:   #0A4FCC;
  --primary-light:  #E8F0FF;
  --accent:         #22C55E;
  --accent-hover:   #16A34A;
  --bg-dark:        #0B1120;
  --bg-dark-2:      #131B2E;
  --bg-section:     #F8FAFC;
  --bg-white:       #FFFFFF;
  --text-primary:   #0F172A;
  --text-secondary: #64748B;
  --text-light:     #FFFFFF;
  --border:         #E2E8F0;
  --error:          #EF4444;
  --radius-sm:  8px;
  --radius-md:  12px;
  --radius-lg:  16px;
  --radius-xl:  24px;
  --shadow-sm:  0 1px 3px rgba(0,0,0,.06), 0 1px 2px rgba(0,0,0,.04);
  --shadow-md:  0 4px 12px rgba(0,0,0,.08);
  --shadow-lg:  0 8px 30px rgba(0,0,0,.12);
  --shadow-xl:  0 20px 60px rgba(0,0,0,.15);
  --font-heading: 'Outfit', sans-serif;
  --font-body:    'Montserrat', sans-serif;
}

/* ── 2. RESET ──────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--text-primary);
  background: var(--bg-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
h1,h2,h3,h4,h5,h6 { font-family: var(--font-heading); font-weight: 700; line-height: 1.2; }
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; transition: color .2s; }
ul, ol { list-style: none; }
button, input, select, textarea { font-family: inherit; font-size: inherit; border: none; outline: none; background: none; }
button { cursor: pointer; }

/* ── 3. UTILITIES ──────────────────────────────────────────── */
.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }

/* Offset for fixed nav on anchor scroll */
section[id], .calculator { scroll-margin-top: 88px; }

.section-heading { text-align: center; margin-bottom: 3.5rem; }
.section-heading__title {
  font-weight: 800;
  font-size: clamp(1.75rem, 4vw, 2.75rem);
  margin-bottom: .75rem;
}
.section-heading__title span { color: var(--primary); }
.section-heading__subtitle {
  color: var(--text-secondary);
  font-size: 1.05rem;
  max-width: 560px;
  margin: 0 auto;
  line-height: 1.7;
}

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: .5rem; padding: .75rem 1.75rem; border-radius: var(--radius-md);
  font-weight: 600; font-size: .95rem; line-height: 1;
  border: 2px solid transparent; cursor: pointer;
  transition: all .3s cubic-bezier(.4,0,.2,1); white-space: nowrap;
}
.btn--primary { background: var(--primary); color: #fff; }
.btn--primary:hover { background: var(--primary-dark); box-shadow: 0 4px 20px rgba(15,99,255,.35); transform: translateY(-2px); }
.btn--accent { background: var(--accent); color: #fff; }
.btn--accent:hover { background: var(--accent-hover); box-shadow: 0 4px 20px rgba(34,197,94,.35); transform: translateY(-2px); }
.btn--large { padding: 1rem 2.25rem; font-size: 1.05rem; }
.btn--full { width: 100%; }

.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

/* ── 4. NAVIGATION ─────────────────────────────────────────── */
.nav {
  position: fixed; top: 0; left: 0; width: 100%; z-index: 1000;
  background: transparent;
  transition: background .35s, box-shadow .35s, backdrop-filter .35s;
}
.nav--scrolled {
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(12px);
  box-shadow: 0 1px 8px rgba(0,0,0,.06);
}
.nav__inner { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.nav__logo { font-family: var(--font-heading); font-weight: 800; font-size: 1.4rem; color: #fff; transition: color .35s; }
.nav--scrolled .nav__logo { color: var(--primary); }
.nav__links { display: flex; align-items: center; gap: 2rem; }
.nav__links a { font-size: .9rem; font-weight: 500; color: rgba(255,255,255,.75); transition: color .2s; }
.nav__links a:hover { color: #fff; }
.nav--scrolled .nav__links a { color: var(--text-secondary); }
.nav--scrolled .nav__links a:hover { color: var(--text-primary); }
.nav__cta {
  padding: .55rem 1.25rem; font-size: .85rem; border-radius: var(--radius-sm);
  background: var(--primary); color: #fff; font-weight: 600;
  transition: background .3s, box-shadow .3s, transform .2s;
}
.nav__cta:hover { background: var(--primary-dark); box-shadow: 0 4px 12px rgba(15,99,255,.3); transform: translateY(-1px); }

/* Hamburger */
.nav__hamburger { display: none; flex-direction: column; justify-content: center; gap: 5px; width: 28px; height: 28px; z-index: 1010; }
.nav__hamburger span { display: block; width: 100%; height: 2.5px; border-radius: 2px; background: #fff; transition: transform .3s, opacity .3s, background .35s; }
.nav--scrolled .nav__hamburger span { background: var(--text-primary); }
.nav__hamburger--active span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav__hamburger--active span:nth-child(2) { opacity: 0; }
.nav__hamburger--active span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* Mobile overlay */
.nav__mobile { position: fixed; inset: 0; background: rgba(11,17,32,.97); display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 2rem; opacity: 0; visibility: hidden; transition: opacity .35s, visibility .35s; z-index: 1005; }
.nav__mobile--open { opacity: 1; visibility: visible; }
.nav__mobile a { font-family: var(--font-heading); font-size: 1.5rem; font-weight: 600; color: #fff; }
.nav__mobile a:hover { color: var(--primary); }

/* ── 5. HERO ───────────────────────────────────────────────── */
.hero {
  position: relative;
  background: var(--bg-dark);
  overflow: hidden;
  padding: 8rem 0 6rem;
}
.hero::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(ellipse 80% 50% at 20% 50%, rgba(15,99,255,.18) 0%, transparent 70%),
    radial-gradient(ellipse 60% 60% at 80% 30%, rgba(0,200,255,.1) 0%, transparent 60%);
}

/* Blobs */
.hero__blob { position: absolute; border-radius: 50%; opacity: .1; filter: blur(80px); pointer-events: none; animation: float 10s ease-in-out infinite; }
.hero__blob--1 { width: 600px; height: 600px; top: -20%; left: -10%; background: linear-gradient(135deg, var(--primary), #00C8FF); }
.hero__blob--2 { width: 400px; height: 400px; bottom: -15%; right: -8%; background: linear-gradient(135deg, #00C8FF, #7C3AED); animation-delay: -4s; }
.hero__blob--3 { width: 250px; height: 250px; top: 30%; right: 20%; background: linear-gradient(135deg, var(--accent), #00E5A0); animation-delay: -7s; }

/* Hero layout — two columns on desktop */
.hero__container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  position: relative;
  z-index: 2;
}
.hero__content { color: #fff; }
.hero__badge {
  display: inline-block; padding: .45rem 1.25rem; border-radius: 50px;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12);
  font-size: .85rem; font-weight: 500; color: rgba(255,255,255,.85);
  margin-bottom: 1.5rem; backdrop-filter: blur(8px);
}
.hero__title {
  font-weight: 800; font-size: clamp(2rem, 4.5vw, 3.25rem);
  line-height: 1.12; margin-bottom: 1.25rem; letter-spacing: -.02em;
}
.hero__title span {
  background: linear-gradient(135deg, #4F8EFF, #00D4FF);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero__subtitle {
  font-size: 1.05rem; color: rgba(255,255,255,.6);
  max-width: 480px; line-height: 1.7; margin-bottom: 2.5rem;
}

/* Stats row */
.hero__stats { display: flex; gap: 1rem; flex-wrap: wrap; }
.hero__stat {
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-md); padding: 1rem 1.5rem; text-align: center;
  backdrop-filter: blur(6px); flex: 1; min-width: 100px;
}
.hero__stat-number { display: block; font-family: var(--font-heading); font-weight: 800; font-size: 1.5rem; color: #fff; margin-bottom: .25rem; }
.hero__stat-label { font-size: .75rem; color: rgba(255,255,255,.5); font-weight: 500; text-transform: uppercase; letter-spacing: .05em; }

/* ── 6. CALCULATOR ─────────────────────────────────────────── */
.calculator {
  background: var(--bg-white); border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl); padding: 2.5rem;
  position: relative; z-index: 3;
  overflow: hidden;
}

/* Step transitions */
.calculator__step {
  display: none;
  opacity: 0;
  transform: translateX(30px);
  transition: opacity .4s cubic-bezier(.4,0,.2,1), transform .4s cubic-bezier(.4,0,.2,1);
}
.calculator__step--active {
  display: block;
  opacity: 1;
  transform: translateX(0);
}
.calculator__step--exit {
  display: block;
  opacity: 0;
  transform: translateX(-30px);
}

/* Back button */
.calculator__back {
  display: inline-flex; align-items: center; gap: .4rem;
  font-size: .88rem; font-weight: 600; color: var(--primary);
  cursor: pointer; margin-bottom: 1.25rem;
  transition: color .2s, transform .2s;
}
.calculator__back:hover { color: var(--primary-dark); transform: translateX(-3px); }

/* Summary pill (step 2) */
.calculator__summary {
  display: flex; align-items: center; justify-content: center;
  gap: .6rem; flex-wrap: wrap;
  background: var(--primary-light); border: 1px solid rgba(15,99,255,.12);
  border-radius: 50px; padding: .65rem 1.5rem;
  margin-bottom: 1.75rem; font-size: .88rem; font-weight: 600; color: var(--primary);
}
.calculator__summary-sep { color: rgba(15,99,255,.3); font-size: 1.1rem; }

.calculator__header { margin-bottom: 2rem; }
.calculator__title { font-weight: 700; font-size: 1.35rem; margin-bottom: .35rem; }
.calculator__subtitle { color: var(--text-secondary); font-size: .88rem; }

.calculator__slider-group { margin-bottom: 1.75rem; }
.calculator__label { display: flex; align-items: center; justify-content: space-between; margin-bottom: .5rem; }
.calculator__label > span:first-child { font-size: .88rem; font-weight: 600; color: var(--text-primary); }
.calculator__value { font-weight: 700; font-size: 1.15rem; color: var(--primary); font-family: var(--font-heading); }

/* Range slider */
.calculator__range {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 6px; border-radius: 3px;
  background: linear-gradient(to right, var(--primary) var(--range-progress, 50%), var(--border) var(--range-progress, 50%));
  cursor: pointer;
}
.calculator__range::-webkit-slider-thumb {
  -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%;
  background: #fff; border: 3px solid var(--primary);
  box-shadow: 0 2px 8px rgba(15,99,255,.25);
  cursor: grab; transition: transform .15s, box-shadow .15s;
}
.calculator__range::-webkit-slider-thumb:hover { transform: scale(1.2); box-shadow: 0 3px 12px rgba(15,99,255,.4); }
.calculator__range::-webkit-slider-thumb:active { cursor: grabbing; }
.calculator__range::-moz-range-thumb {
  width: 24px; height: 24px; border-radius: 50%; border: 3px solid var(--primary);
  background: #fff; box-shadow: 0 2px 8px rgba(15,99,255,.25); cursor: grab;
}
.calculator__range::-moz-range-track { height: 6px; border-radius: 3px; background: var(--border); }

.calculator__range-labels { display: flex; justify-content: space-between; margin-top: .4rem; font-size: .75rem; color: var(--text-secondary); }

/* Result box */
.calculator__result {
  background: #EBF3FF;
  border-radius: var(--radius-lg); padding: 1.5rem;
  margin: 2rem 0 1.5rem;
  border: 1px solid rgba(15,99,255,.1);
}
.calculator__result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 0.75rem;
}
.calculator__result-label {
  font-size: 1.15rem;
  color: var(--text-primary);
  font-weight: 700;
  font-family: var(--font-heading);
}
.calculator__result-amount {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.85rem;
  color: var(--primary);
  line-height: 1.1;
}
.calculator__result-example {
  font-size: 0.72rem;
  color: var(--text-secondary);
  line-height: 1.45;
  text-align: left;
  border-top: 1px solid rgba(15,99,255,.15);
  padding-top: 0.75rem;
  margin-top: 0.75rem;
}

.calculator__warning {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.25rem 0 0;
  margin-top: 2rem;
  border-top: 1px solid var(--border);
  font-size: 0.78rem;
  color: var(--text-secondary);
  line-height: 1.5;
  text-align: left;
}
.warning-red-icon {
  flex-shrink: 0;
  margin-top: 2px;
  width: 32px;
  height: 32px;
}

/* ── 7. SIGNUP ─────────────────────────────────────────────── */
.signup { background: var(--bg-section); padding: 5rem 0; }
.signup__card {
  max-width: 540px; margin: 0 auto;
  background: var(--bg-white); border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg); padding: 2.5rem;
}
.signup__field { margin-bottom: 1.25rem; }
.signup__label { display: block; font-size: .75rem; font-weight: 600; color: var(--text-secondary); text-transform: uppercase; letter-spacing: .06em; margin-bottom: .4rem; }
.signup__input {
  width: 100%; height: 50px; border: 2px solid var(--border); border-radius: var(--radius-md);
  padding: 0 1rem; font-size: 1rem; color: var(--text-primary); background: var(--bg-white);
  transition: border-color .2s, box-shadow .2s;
}
.signup__input::placeholder { color: #94A3B8; }
.signup__input:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(15,99,255,.1); }
.signup__input--error { border-color: var(--error) !important; }
.signup__input--error:focus { box-shadow: 0 0 0 3px rgba(239,68,68,.1); }
.signup__error { display: none; font-size: .8rem; color: var(--error); margin-top: .35rem; font-weight: 500; }
.signup__field--error .signup__error,
.signup__recaptcha .signup__error { display: block; }

.signup__recaptcha {
  display: flex;
  flex-direction: column;
  align-items: center;
  margin: 1.5rem 0;
  gap: .65rem;
  background: #F8FAFC;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.25rem;
}

.signup__consent { margin-bottom: 1.5rem; }
.signup__consent label { display: flex; align-items: flex-start; gap: .6rem; font-size: .88rem; color: var(--text-secondary); cursor: pointer; line-height: 1.5; }
.signup__consent input[type="checkbox"] {
  width: 18px; height: 18px; margin-top: 2px; flex-shrink: 0;
  accent-color: var(--primary); cursor: pointer;
}
.signup__consent a { color: var(--primary); text-decoration: underline; }

.signup__submit {
  width: 100%; height: 52px; border-radius: var(--radius-md);
  background: var(--accent); color: #fff; font-weight: 700; font-size: 1rem;
  cursor: pointer; transition: background .3s, box-shadow .3s, transform .2s;
  display: flex; align-items: center; justify-content: center; gap: .5rem;
}
.signup__submit:hover { background: var(--accent-hover); box-shadow: 0 6px 24px rgba(34,197,94,.3); transform: translateY(-2px); }
.signup__submit:disabled { opacity: .6; cursor: not-allowed; transform: none !important; box-shadow: none !important; }
.signup__note { text-align: center; font-size: .82rem; color: var(--text-secondary); margin-top: 1.25rem; }

/* Success */
.signup__success { text-align: center; padding: 2rem 0; }
.signup__success-icon { font-size: 3rem; margin-bottom: 1rem; }
.signup__success-title { font-weight: 700; font-size: 1.35rem; margin-bottom: .5rem; }
.signup__success-text { color: var(--text-secondary); font-size: .95rem; line-height: 1.6; }

/* Spinner */
@keyframes spin { to { transform: rotate(360deg); } }
.spinner { animation: spin .8s linear infinite; transform-origin: center; }

/* ── 7b. HOW IT WORKS (STEPS) ─────────────────────────────── */
.steps { padding: 5rem 0; background: var(--bg-white); }
.steps__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; position: relative; }
.step-card {
  text-align: center; padding: 2rem 1.5rem; position: relative;
  background: var(--bg-white); border-radius: var(--radius-lg);
  border: 1px solid var(--border); transition: box-shadow .3s, transform .3s;
}
.step-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.step-card__number {
  width: 52px; height: 52px; border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), #4F8EFF);
  color: #fff; font-family: var(--font-heading); font-weight: 800; font-size: 1.35rem;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.25rem; box-shadow: 0 4px 16px rgba(15,99,255,.25);
}
.step-card__connector {
  position: absolute; top: 26px; left: calc(50% + 40px); width: calc(100% - 60px);
  height: 2px; background: linear-gradient(to right, var(--primary), var(--border));
  z-index: 1;
}
.step-card:last-child .step-card__connector { display: none; }
.step-card__title { font-weight: 700; font-size: 1.05rem; margin-bottom: .5rem; }
.step-card__text { color: var(--text-secondary); font-size: .9rem; line-height: 1.65; }

/* ── 7c. CTA BANNER ───────────────────────────────────────── */
.cta-banner { padding: 4rem 0; }
.cta-banner__inner {
  background: linear-gradient(135deg, var(--bg-dark), #1A2744);
  border-radius: var(--radius-xl); padding: 3.5rem 2.5rem;
  text-align: center; position: relative; overflow: hidden;
}
.cta-banner__inner::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(ellipse 60% 80% at 30% 50%, rgba(15,99,255,.2) 0%, transparent 70%);
}
.cta-banner__title {
  font-weight: 800; font-size: clamp(1.5rem, 3.5vw, 2.25rem);
  color: #fff; margin-bottom: .75rem; position: relative;
}
.cta-banner__text { color: rgba(255,255,255,.6); font-size: 1.05rem; margin-bottom: 2rem; position: relative; }
.cta-banner__btn { position: relative; }

/* ── 8. BENEFITS ───────────────────────────────────────────── */
.benefits { padding: 5rem 0; }
.benefits__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.benefit-card {
  background: var(--bg-white); padding: 2rem; border-radius: var(--radius-lg);
  border: 1px solid var(--border); transition: box-shadow .3s, transform .3s;
}
.benefit-card:hover { box-shadow: var(--shadow-md); transform: translateY(-6px); }
.benefit-card__icon {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--primary-light); display: flex; align-items: center;
  justify-content: center; font-size: 1.5rem; margin-bottom: 1.25rem;
}
.benefit-card__title { font-weight: 700; font-size: 1.05rem; margin-bottom: .5rem; }
.benefit-card__text { color: var(--text-secondary); font-size: .9rem; line-height: 1.65; }

/* ── 9. FAQ ────────────────────────────────────────────────── */
.faq { background: var(--bg-section); padding: 5rem 0; }
.faq__list { max-width: 720px; margin: 0 auto; }
.faq__item {
  background: var(--bg-white); border-radius: var(--radius-md);
  margin-bottom: .75rem; overflow: hidden; border: 1px solid var(--border);
  transition: box-shadow .3s;
}
.faq__item:hover { box-shadow: var(--shadow-sm); }
.faq__question {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  padding: 1.25rem 1.5rem; font-size: .95rem; font-weight: 600;
  text-align: left; color: var(--text-primary); cursor: pointer;
  transition: background .2s; gap: 1rem;
}
.faq__question:hover { background: var(--primary-light); }
.faq__chevron { flex-shrink: 0; width: 20px; height: 20px; transition: transform .3s; color: var(--text-secondary); }
.faq__item--open .faq__chevron { transform: rotate(180deg); }
.faq__answer { max-height: 0; overflow: hidden; transition: max-height .4s ease; padding: 0 1.5rem; color: var(--text-secondary); font-size: .92rem; line-height: 1.7; }
.faq__item--open .faq__answer { max-height: 300px; padding-bottom: 1.25rem; }

/* ── 10. FOOTER ────────────────────────────────────────────── */
.footer { background: var(--bg-dark); color: #fff; padding: 3.5rem 0 0; }
.footer__content { display: flex; justify-content: space-between; align-items: flex-start; flex-wrap: wrap; gap: 2.5rem; padding-bottom: 2.5rem; }
.footer__logo { font-family: var(--font-heading); font-weight: 800; font-size: 1.35rem; }
.footer__tagline { color: rgba(255,255,255,.5); font-size: .88rem; margin-top: .5rem; max-width: 260px; line-height: 1.6; }
.footer__links-title { font-weight: 600; font-size: .85rem; text-transform: uppercase; letter-spacing: .04em; margin-bottom: 1rem; color: rgba(255,255,255,.7); }
.footer__links li { margin-bottom: .6rem; }
.footer__links a { font-size: .88rem; color: rgba(255,255,255,.45); transition: color .2s; }
.footer__links a:hover { color: #fff; }
.footer__disclaimer { font-size: .78rem; color: rgba(255,255,255,.35); line-height: 1.65; padding: 1.5rem 0; border-top: 1px solid rgba(255,255,255,.06); }
.footer__bottom { padding: 1.25rem 0; border-top: 1px solid rgba(255,255,255,.06); font-size: .8rem; color: rgba(255,255,255,.35); text-align: center; }

/* ── 11. ANIMATIONS ────────────────────────────────────────── */
@keyframes float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-25px); } }
@keyframes fadeInUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }

.animate-in { opacity: 0; transform: translateY(24px); }
.animate-in--visible { opacity: 1; transform: translateY(0); transition: opacity .6s cubic-bezier(.4,0,.2,1), transform .6s cubic-bezier(.4,0,.2,1); }

.hero__badge   { animation: fadeInUp .7s .2s both; }
.hero__title   { animation: fadeInUp .7s .35s both; }
.hero__subtitle{ animation: fadeInUp .7s .5s both; }
.hero__stats   { animation: fadeInUp .7s .65s both; }
.calculator    { animation: fadeInUp .8s .5s both; }

/* ── 12. RESPONSIVE — TABLET ──────────────────────────────── */
@media (max-width: 1024px) {
  .nav__links { display: none; }
  .nav__hamburger { display: flex; }

  .hero { padding: 9rem 0 4rem; }
  .hero__container { grid-template-columns: 1fr; text-align: center; gap: 2.5rem; }
  .hero__subtitle { margin-left: auto; margin-right: auto; }
  .hero__stats { justify-content: center; }
  .calculator { max-width: 500px; margin: 0 auto; }

  .benefits__grid { grid-template-columns: repeat(2, 1fr); }
  .steps__grid { gap: 1.5rem; }
  .step-card__connector { display: none; }
  .footer__content { gap: 2rem; }
}

/* ── 13. RESPONSIVE — MOBILE ─────────────────────────────── */
@media (max-width: 640px) {
  .container { padding: 0 1rem; }

  .hero { padding: 7rem 0 3rem; }
  .hero__title { font-size: clamp(1.65rem, 7vw, 2.25rem); }
  .hero__subtitle { font-size: .95rem; }
  .hero__stats { flex-direction: column; }
  .hero__stat { padding: .85rem 1rem; }
  .hero__stat-number { font-size: 1.35rem; }

  .calculator { padding: 1.75rem; border-radius: var(--radius-lg); }
  .calculator__result-amount { font-size: 2rem; }
  .calculator__result-details { flex-direction: column; gap: .35rem; }

  .signup { padding: 3.5rem 0; }
  .signup__card { padding: 1.75rem; border-radius: var(--radius-lg); }

  .steps { padding: 3.5rem 0; }
  .steps__grid { grid-template-columns: 1fr; max-width: 400px; margin: 0 auto; }
  .step-card__connector { display: none; }

  .cta-banner__inner { padding: 2.5rem 1.5rem; }

  .benefits { padding: 3.5rem 0; }
  .benefits__grid { grid-template-columns: 1fr; }

  .faq { padding: 3.5rem 0; }
  .faq__question { padding: 1rem 1.25rem; font-size: .9rem; }

  .section-heading { margin-bottom: 2rem; }

  .footer__content { flex-direction: column; }
  .footer__bottom { text-align: center; }
}

/* ── 14. REDUCED MOTION ───────────────────────────────────── */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
  html { scroll-behavior: auto; }
}