/* ========================================
   PalygintiCred - Modern Fintech CSS
   ======================================== */

/* CSS Custom Properties */
:root {
  --primary: #E86E1A;
  --primary-dark: #D45A0F;
  --primary-light: #FF8A3D;
  --secondary: #1A1A2E;
  --secondary-light: #2D2D44;
  --background: #FFFDF9;
  --surface: #FFFFFF;
  --surface-alt: #F8F6F3;
  --text: #1A1A2E;
  --text-light: #6B6B7B;
  --text-muted: #9999A8;
  --border: #E8E6E3;
  --success: #22C55E;
  --warning: #F59E0B;
  --error: #EF4444;
  
  --font-sans: 'DM Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-mono: 'JetBrains Mono', 'Fira Code', monospace;
  
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.08);
  --shadow-lg: 0 8px 30px rgba(0,0,0,0.12);
  --shadow-xl: 0 20px 50px rgba(0,0,0,0.15);
  
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
}

body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--background);
  min-height: 100vh;
}

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

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

a:hover {
  color: var(--primary-dark);
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.2;
  color: var(--secondary);
}

h1 { font-size: clamp(2rem, 5vw, 3.5rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.75rem, 4vw, 2.5rem); letter-spacing: -0.015em; }
h3 { font-size: clamp(1.25rem, 3vw, 1.75rem); }
h4 { font-size: 1.25rem; }

p {
  color: var(--text-light);
}

/* Container */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ========================================
   HEADER
   ======================================== */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 253, 249, 0.95);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
}

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

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--secondary);
  white-space: nowrap;
}

.logo-icon {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  border-radius: 5px;
}

.logo-text {
  white-space: nowrap;
}

.logo-text span {
  color: var(--primary);
}

.nav {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-link {
  font-weight: 500;
  color: var(--text);
  position: relative;
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--primary);
  transition: var(--transition);
}

.nav-link:hover {
  color: var(--primary);
}

.nav-link:hover::after {
  width: 100%;
}

.nav-cta {
  background: var(--primary);
  color: white !important;
  padding: 10px 20px;
  border-radius: var(--radius-md);
  font-weight: 600;
  transition: var(--transition);
}

.nav-cta:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.nav-cta::after {
  display: none;
}

/* Mobile Menu */
.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

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

/* ========================================
   HERO SECTION
   ======================================== */
.hero {
  padding: 140px 0 80px;
  background: linear-gradient(180deg, var(--surface) 0%, var(--background) 100%);
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 70%;
  height: 150%;
  background: radial-gradient(ellipse, rgba(232, 110, 26, 0.08) 0%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.hero-content {
  position: relative;
  z-index: 1;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(232, 110, 26, 0.1);
  color: var(--primary);
  padding: 8px 16px;
  border-radius: 50px;
  font-size: 0.875rem;
  font-weight: 600;
  margin-bottom: 24px;
}

.hero-title {
  margin-bottom: 20px;
}

.hero-title span {
  color: var(--primary);
}

.hero-subtitle {
  font-size: 1.125rem;
  color: var(--text-light);
  margin-bottom: 24px;
  max-width: 500px;
}

/* Social Proof */
.hero-social-proof {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 16px;
}

.hero-social-proof.hero-social-proof--mobile {
  display: none;
}

.hero-disclaimer.hero-disclaimer--mobile {
  display: none;
}

.social-proof-avatars {
  display: flex;
}

.sp-avatar {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  color: white;
  font-size: 0.75rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid var(--background);
  margin-right: -8px;
}

.sp-avatar:last-child {
  margin-right: 0;
}

.social-proof-text {
  font-size: 0.875rem;
  color: var(--text-light);
}

.social-proof-text strong {
  color: var(--secondary);
}

/* Hero Disclaimer */
.hero-disclaimer {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8125rem;
  color: var(--text-muted);
  background: var(--surface-alt);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 8px;
}

.hero-disclaimer svg {
  flex-shrink: 0;
  color: var(--text-muted);
}

/* Partners Section */
.partners-section {
  padding: 40px 0;
  text-align: center;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.partners-label {
  font-size: 0.8125rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-weight: 600;
  margin-bottom: 24px;
}

.partners-grid {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}

.partner-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 40px;
  opacity: 0.6;
  transition: var(--transition);
  filter: grayscale(100%);
}

.partner-logo:hover {
  opacity: 1;
  filter: grayscale(0%);
}

.partner-logo img {
  height: 28px;
  width: auto;
  object-fit: contain;
}

.partner-logo-text {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--text-muted);
  opacity: 0.8;
  filter: none;
}

/* Security Badges */
.security-badges {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  margin-top: 24px;
  flex-wrap: wrap;
}

.security-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.03em;
}

.security-badge svg {
  color: var(--success);
}

/* Form Security Badge */
.form-security-badge {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-size: 0.75rem;
  color: var(--success);
  font-weight: 500;
  margin-top: 16px;
  padding: 8px;
  background: rgba(34, 197, 94, 0.06);
  border-radius: var(--radius-sm);
  border: 1px solid rgba(34, 197, 94, 0.15);
}

.form-security-badge svg {
  flex-shrink: 0;
}

.hero-stats {
  display: flex;
  gap: 40px;
  margin-top: 40px;
}

.stat {
  text-align: left;
}

.stat-value {
  font-family: var(--font-sans);
  font-size: 2rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--secondary);
}

.stat-label {
  font-size: 0.875rem;
  color: var(--text-muted);
}

/* ========================================
   FORM CARD - TWO STEP
   ======================================== */
.form-card {
  background: var(--surface);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-xl);
  position: relative;
  z-index: 1;
}

.form-card::before {
  content: '';
  position: absolute;
  top: -1px;
  left: 40px;
  right: 40px;
  height: 4px;
  background: linear-gradient(90deg, var(--primary), var(--primary-light), var(--primary));
  border-radius: 0 0 4px 4px;
}

.form-title {
  font-size: 1.5rem;
  margin-bottom: 8px;
  text-align: center;
}

.form-subtitle {
  text-align: center;
  margin-bottom: 32px;
  font-size: 0.9375rem;
}

/* Form Steps */
.form-step {
  display: none;
  animation: fadeIn 0.3s ease;
}

.form-step.active {
  display: block;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Slider Header */
.slider-header {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  margin-bottom: 10px;
}

.slider-header .form-label {
  margin-bottom: 0;
}

.slider-value-display {
  font-family: var(--font-sans);
  font-size: 1.5rem;
  font-weight: 800;
  letter-spacing: -0.04em;
  color: var(--primary);
}

.slider-track-wrap {
  position: relative;
  padding: 6px 0;
}

.slider-bounds {
  display: flex;
  justify-content: space-between;
  font-size: 0.6875rem;
  color: var(--text-muted);
  margin-top: 4px;
}

/* Range Sliders */
.range-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 3px;
  outline: none;
  cursor: pointer;
  background: linear-gradient(
    to right,
    var(--primary) 0%,
    var(--primary) var(--pct, 13%),
    var(--border) var(--pct, 13%),
    var(--border) 100%
  );
}

/* Thumb — pill shape, easy to grab on mobile */
.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 36px;
  border-radius: 8px;
  background: white;
  border: 2px solid var(--primary);
  box-shadow: 0 2px 8px rgba(232, 110, 26, 0.25);
  cursor: grab;
  transition: box-shadow 0.15s, transform 0.1s;
}

.range-slider::-webkit-slider-thumb:hover {
  box-shadow: 0 4px 16px rgba(232, 110, 26, 0.4);
}

.range-slider::-webkit-slider-thumb:active {
  cursor: grabbing;
  transform: scaleY(1.08);
}

.range-slider::-moz-range-thumb {
  width: 22px;
  height: 36px;
  border-radius: 8px;
  background: white;
  border: 2px solid var(--primary);
  box-shadow: 0 2px 8px rgba(232, 110, 26, 0.25);
  cursor: grab;
}

.range-slider:focus {
  outline: none;
}

.range-slider:focus-visible::-webkit-slider-thumb {
  box-shadow: 0 0 0 3px rgba(232, 110, 26, 0.2);
}


/* Payment Preview */
.payment-preview {
  background: linear-gradient(135deg, rgba(232, 110, 26, 0.08), rgba(232, 110, 26, 0.04));
  border: 2px solid rgba(232, 110, 26, 0.2);
  border-radius: var(--radius-lg);
  padding: 24px;
  text-align: center;
  margin: 24px 0;
}

.payment-label {
  font-size: 0.875rem;
  color: var(--text-light);
  margin-bottom: 8px;
}

.payment-amount {
  font-family: var(--font-sans);
  font-size: 2.5rem;
  font-weight: 800;
  letter-spacing: -0.04em;
  color: var(--primary);
  margin-bottom: 8px;
}

.payment-rate {
  font-size: 0.75rem;
  color: var(--text-muted);
}

/* Loan Summary */
.loan-summary {
  background: var(--surface-alt);
  border-radius: var(--radius-md);
  padding: 16px 20px;
  margin-bottom: 24px;
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: space-between;
}

.loan-summary-item {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.loan-summary-item span {
  font-size: 0.75rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.loan-summary-item strong {
  font-family: var(--font-mono);
  font-size: 1.125rem;
  color: var(--secondary);
}

.form-group {
  margin-bottom: 20px;
}

.form-label {
  display: block;
  font-weight: 600;
  font-size: 0.875rem;
  margin-bottom: 8px;
  color: var(--secondary);
}

.form-input {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid var(--border);
  border-radius: var(--radius-md);
  font-family: var(--font-sans);
  font-size: 1rem;
  transition: var(--transition);
  background: var(--surface);
}

.form-input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 4px rgba(232, 110, 26, 0.1);
}

.form-input::placeholder {
  color: var(--text-muted);
}

.input-with-prefix {
  position: relative;
}

.input-prefix {
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-light);
  font-weight: 600;
}

.input-with-prefix .form-input {
  padding-left: 60px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-top: 24px;
  font-size: 0.875rem;
  color: var(--text-light);
}

.form-checkbox input {
  width: 20px;
  height: 20px;
  accent-color: var(--primary);
  flex-shrink: 0;
  margin-top: 2px;
}

.form-checkbox a {
  text-decoration: underline;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 16px 32px;
  border: none;
  border-radius: var(--radius-md);
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
  width: 100%;
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: white;
  box-shadow: 0 4px 15px rgba(232, 110, 26, 0.4);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(232, 110, 26, 0.5);
}

.btn-primary:active {
  transform: translateY(0);
}

.btn-secondary {
  background: var(--surface);
  color: var(--secondary);
  border: 2px solid var(--border);
}

.btn-secondary:hover {
  border-color: var(--primary);
  color: var(--primary);
}

/* ========================================
   TRUST BADGES
   ======================================== */
.trust-section {
  padding: 60px 0;
  background: var(--surface);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 16px;
}

.trust-icon {
  width: 56px;
  height: 56px;
  background: rgba(232, 110, 26, 0.1);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  flex-shrink: 0;
}

.trust-content h4 {
  font-size: 1.125rem;
  margin-bottom: 4px;
}

.trust-content p {
  font-size: 0.9375rem;
  color: var(--text-muted);
}

/* ========================================
   INFO CARDS
   ======================================== */
.info-section {
  padding: 80px 0;
}

.info-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.info-card {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--border);
  transition: var(--transition);
}

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

.info-card-icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  margin-bottom: 20px;
}

.info-card h3 {
  font-size: 1.25rem;
  margin-bottom: 12px;
}

.info-card p {
  font-size: 0.9375rem;
  margin-bottom: 16px;
}

.info-card .highlight {
  font-family: var(--font-mono);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
}

/* ========================================
   LOAN TYPES
   ======================================== */
.loan-types {
  padding: 80px 0;
  background: var(--surface-alt);
}

.section-header {
  text-align: center;
  max-width: 600px;
  margin: 0 auto 48px;
}

.section-header h2 {
  margin-bottom: 16px;
}

.section-header p {
  font-size: 1.0625rem;
}

.loan-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.loan-card {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  border: 1px solid var(--border);
  transition: var(--transition);
  cursor: pointer;
}

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

.loan-card-icon {
  width: 64px;
  height: 64px;
  background: var(--surface-alt);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--primary);
  transition: var(--transition);
}

.loan-card:hover .loan-card-icon {
  background: var(--primary);
  color: white;
}

.loan-card h4 {
  font-size: 1.125rem;
  margin-bottom: 8px;
}

.loan-card p {
  font-size: 0.875rem;
  color: var(--text-muted);
}

/* ========================================
   HOW IT WORKS
   ======================================== */
.how-it-works {
  padding: 80px 0;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  position: relative;
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 40px;
  left: 15%;
  right: 15%;
  height: 2px;
  background: linear-gradient(90deg, var(--primary), var(--primary-light));
  z-index: 0;
}

.step {
  text-align: center;
  position: relative;
  z-index: 1;
}

.step-number {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-family: var(--font-mono);
  font-size: 1.75rem;
  font-weight: 700;
  color: white;
  box-shadow: 0 8px 25px rgba(232, 110, 26, 0.3);
}

.step h3 {
  font-size: 1.25rem;
  margin-bottom: 12px;
}

.step p {
  font-size: 0.9375rem;
  max-width: 280px;
  margin: 0 auto;
}

/* ========================================
   FAQ SECTION
   ======================================== */
.faq-section {
  padding: 80px 0;
  background: var(--surface-alt);
}

.faq-list {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  background: var(--surface);
  border-radius: var(--radius-md);
  margin-bottom: 16px;
  border: 1px solid var(--border);
  overflow: hidden;
  transition: var(--transition);
}

.faq-item:hover {
  border-color: var(--primary);
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  cursor: pointer;
  font-weight: 600;
  color: var(--secondary);
  transition: var(--transition);
}

.faq-question:hover {
  color: var(--primary);
}

.faq-icon {
  width: 24px;
  height: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
  flex-shrink: 0;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  color: var(--primary);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.faq-answer-inner {
  padding: 0 24px 20px;
  color: var(--text-light);
  font-size: 0.9375rem;
  line-height: 1.7;
}

.faq-item.active .faq-answer {
  max-height: 500px;
}

/* ========================================
   FOOTER
   ======================================== */
.footer {
  background: var(--secondary);
  color: white;
  padding: 60px 0 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer-brand p {
  color: rgba(255,255,255,0.7);
  margin-top: 16px;
  font-size: 0.9375rem;
  max-width: 300px;
}

.footer h5 {
  color: white;
  font-size: 1rem;
  margin-bottom: 20px;
  font-weight: 600;
}

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

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

.footer-links a {
  color: rgba(255,255,255,0.7);
  font-size: 0.9375rem;
  transition: var(--transition);
}

.footer-links a:hover {
  color: var(--primary-light);
}

.footer-contact p {
  color: rgba(255,255,255,0.7);
  font-size: 0.9375rem;
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.footer-disclaimer {
  background: rgba(255,255,255,0.05);
  border-radius: 8px;
  padding: 16px;
  margin-bottom: 8px;
  font-size: 0.75rem;
  line-height: 1.6;
  color: rgba(255,255,255,0.7);
}

.footer-disclaimer strong {
  color: rgba(255,255,255,0.9);
}

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

.footer-bottom p {
  color: rgba(255,255,255,0.5);
  font-size: 0.875rem;
}

.footer-legal {
  display: flex;
  gap: 24px;
}

.footer-legal a {
  color: rgba(255,255,255,0.5);
  font-size: 0.875rem;
}

.footer-legal a:hover {
  color: var(--primary-light);
}

/* ========================================
   COOKIE BAR
   ======================================== */
.cookie-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: #1A1A2E;
  padding: 14px 24px;
  z-index: 9999;
  transform: translateY(100%);
  transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1), opacity 0.4s;
  opacity: 0;
  pointer-events: none;
}

.cookie-bar.visible {
  transform: translateY(0);
  opacity: 1;
  pointer-events: auto;
}

.cookie-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  max-width: 1200px;
  margin: 0 auto;
}

.cookie-text {
  color: rgba(255,255,255,0.85);
  font-size: 0.8125rem;
  line-height: 1.5;
  flex: 1;
  min-width: 280px;
}

.cookie-text a {
  color: #FF8A3D;
  text-decoration: none;
  font-weight: 500;
}

.cookie-text a:hover {
  text-decoration: underline;
}

.cookie-buttons {
  display: flex;
  gap: 8px;
  flex-shrink: 0;
}

.btn-cookie {
  padding: 8px 16px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 0.8125rem;
  cursor: pointer;
  border: none;
  transition: all 0.2s;
  white-space: nowrap;
}

.btn-cookie-accept {
  background: #E86E1A;
  color: white;
}

.btn-cookie-accept:hover {
  background: #D45A0F;
}

.btn-cookie-decline {
  background: rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.75);
}

.btn-cookie-decline:hover {
  background: rgba(255,255,255,0.18);
  color: white;
}

/* ========================================
   RESULTS PAGE
   ======================================== */
.results-hero {
  padding: 100px 0 40px;
  background: linear-gradient(135deg, var(--secondary) 0%, #2d2d4e 100%);
  text-align: center;
  color: white;
}

.results-hero h1 {
  color: white;
  font-size: 2rem;
  font-weight: 800;
  letter-spacing: -0.03em;
}

.results-summary {
  background: var(--surface);
  border-radius: var(--radius-xl);
  padding: 32px;
  margin-top: 32px;
  box-shadow: var(--shadow-lg);
  display: inline-block;
  text-align: left;
}

.results-summary p {
  font-size: 1rem;
  margin-bottom: 8px;
}

.results-summary strong {
  color: var(--secondary);
  font-family: var(--font-mono);
}

.results-list {
  padding: 40px 0 80px;
}

.results-table {
  background: var(--surface);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.result-item {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 24px;
  align-items: center;
  padding: 24px 32px;
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
}

.result-item:last-child {
  border-bottom: none;
}

.result-item:hover {
  background: var(--surface-alt);
}

.result-rank {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 1.125rem;
}

.result-info h4 {
  font-size: 1.125rem;
  margin-bottom: 4px;
}

.result-info p {
  font-size: 0.875rem;
}

.result-rate {
  text-align: right;
}

.result-rate .rate {
  font-family: var(--font-mono);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
}

.result-rate .monthly {
  font-size: 0.875rem;
  color: var(--text-muted);
}

.result-actions {
  padding: 24px 32px;
  background: var(--surface-alt);
}

.btn-result {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  background: var(--primary);
  color: white;
  border-radius: var(--radius-md);
  font-weight: 600;
  transition: var(--transition);
}

.btn-result:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.disclaimer {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin-top: 32px;
  border-left: 4px solid var(--primary);
}

.disclaimer p {
  font-size: 0.875rem;
  color: var(--text-light);
}

/* ========================================
   RESULTS PAGE - CREDITOR CARDS
   ======================================== */
.results-section {
  padding: 20px 0 80px;
}

.results-summary-bar {
  display: flex;
  justify-content: center;
  gap: 40px;
  margin-top: 24px;
  flex-wrap: wrap;
}

.results-summary-item {
  text-align: center;
}

.results-summary-label {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 4px;
}

.results-summary-value {
  font-family: var(--font-sans);
  font-size: 1.25rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: white;
}

.results-grid {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 32px;
}

.creditor-card {
  background: var(--surface);
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--border);
  padding: 24px 28px;
  display: grid;
  grid-template-columns: 44px 1fr auto;
  gap: 20px;
  align-items: center;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  position: relative;
}

.creditor-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  border-color: #d4d0cc;
}

.creditor-card.featured {
  border-color: var(--primary);
  background: #fffaf6;
  box-shadow: 0 0 0 3px rgba(232, 110, 26, 0.12), var(--shadow-md);
  margin-top: 18px;
}

.creditor-card.featured::before {
  content: '🏆 Rekomenduojamas';
  position: absolute;
  top: -14px;
  left: 28px;
  background: var(--primary);
  color: white;
  font-size: 0.6875rem;
  font-weight: 700;
  padding: 3px 12px;
  border-radius: 999px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.creditor-card.new-partner {
  border-color: #16a34a;
  box-shadow: 0 0 0 3px rgba(22, 163, 74, 0.10), var(--shadow-md);
  margin-top: 18px;
}

.creditor-card.new-partner::before {
  content: '✨ Naujas partneris';
  position: absolute;
  top: -14px;
  left: 28px;
  background: #16a34a;
  color: white;
  font-size: 0.6875rem;
  font-weight: 700;
  padding: 3px 12px;
  border-radius: 999px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.creditor-rank {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
}

.creditor-card.featured .creditor-rank {
  background: linear-gradient(135deg, #e86e1a, #f09444);
}

.creditor-header {
  margin-bottom: 12px;
}

.creditor-logo-wrap {
  display: flex;
  align-items: center;
  height: 40px;
}

.creditor-logo {
  height: 40px;
  max-width: 180px;
  width: auto;
  object-fit: contain;
}

.creditor-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 16px;
}

.creditor-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.75rem;
  color: var(--text-light);
  background: var(--surface-alt);
  border-radius: 999px;
  padding: 4px 10px;
}

.creditor-badge svg {
  width: 12px;
  height: 12px;
  color: var(--primary);
}

.creditor-details {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}

.creditor-detail {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.creditor-detail-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.creditor-detail-value {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--secondary);
}

.creditor-detail-value.highlight {
  color: var(--primary);
}

.creditor-action {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 12px;
  min-width: 160px;
}

.creditor-rate {
  text-align: right;
}

.creditor-rate-label {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.creditor-rate-value {
  font-family: var(--font-sans);
  font-size: 2rem;
  font-weight: 800;
  letter-spacing: -0.04em;
  color: var(--primary);
  line-height: 1;
}

.creditor-rate-sub {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: 2px;
}

.btn-creditor {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  background: var(--primary);
  color: white;
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: 0.9375rem;
  transition: var(--transition);
  white-space: nowrap;
}

.btn-creditor:hover {
  background: var(--primary-dark);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
  color: white;
}

.results-note {
  margin-top: 32px;
  padding: 20px 24px;
  background: var(--surface);
  border-radius: var(--radius-md);
  border-left: 4px solid var(--primary);
  font-size: 0.9375rem;
  color: var(--text-light);
}

.results-disclaimer {
  margin-top: 16px;
  padding: 20px 24px;
  background: var(--surface-alt);
  border-radius: var(--radius-md);
  font-size: 0.8125rem;
  color: var(--text-muted);
  line-height: 1.7;
}

@media (max-width: 768px) {
  .creditor-card {
    grid-template-columns: 40px 1fr;
    grid-template-rows: auto auto;
  }

  .creditor-action {
    grid-column: 1 / -1;
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
    min-width: auto;
  }

  .creditor-rate {
    text-align: left;
  }

  .results-summary-bar {
    gap: 24px;
  }
}

/* ========================================
   INFO PAGES (Terms, Privacy, Cookies, Contact)
   ======================================== */
.page-hero {
  padding: 140px 0 60px;
  background: linear-gradient(180deg, var(--surface) 0%, var(--background) 100%);
  text-align: center;
}

.page-content {
  padding: 60px 0 80px;
}

.page-content .container {
  max-width: 800px;
}

.page-content h2 {
  font-size: 1.5rem;
  margin: 40px 0 16px;
}

.page-content h3 {
  font-size: 1.25rem;
  margin: 32px 0 12px;
}

.page-content p {
  margin-bottom: 16px;
  line-height: 1.8;
}

.page-content ul {
  margin: 16px 0 24px 24px;
}

.page-content li {
  margin-bottom: 8px;
  color: var(--text-light);
}

/* Contact Page */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  margin-top: 40px;
}

.contact-info {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--border);
}

.contact-info h3 {
  margin-bottom: 24px;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 24px;
}

.contact-icon {
  width: 48px;
  height: 48px;
  background: rgba(232, 110, 26, 0.1);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  flex-shrink: 0;
}

.contact-item h4 {
  font-size: 1rem;
  margin-bottom: 4px;
}

.contact-item p {
  font-size: 0.9375rem;
  margin-bottom: 0;
}

.contact-form {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--border);
}

.contact-form h3 {
  margin-bottom: 24px;
}

/* ========================================
   RESPONSIVE
   ======================================== */

/* Hide mobile stats on desktop by default */
.mobile-stats {
  display: none !important;
}

@media (max-width: 1024px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  
  .hero-content {
    text-align: center;
  }
  
  .hero-subtitle {
    margin-left: auto;
    margin-right: auto;
  }
  
  .hero-stats {
    display: none;
  }

  .trust-grid,
  .info-grid,
  .loan-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .steps-grid::before {
    display: none;
  }
}

@media (max-width: 768px) {
  .nav {
    display: none;
  }
  
  .mobile-toggle {
    display: flex;
  }
  
  .hero {
    padding: 100px 0 24px;
  }

  .trust-section {
    padding: 28px 0;
  }

  .hero-inner {
    gap: 0;
  }

  .form-card {
    margin-top: 16px;
  }

  .hero-stats {
    flex-direction: column;
    gap: 20px;
    display: none;
  }

  .stat {
    text-align: center;
  }
  
  .form-row {
    grid-template-columns: 1fr;
  }
  
  /* Ocultar social proof desktop, mostrar versão mobile */
  .hero-social-proof:not(.hero-social-proof--mobile) {
    display: none;
  }
  .hero-disclaimer:not(.hero-disclaimer--mobile) {
    display: none;
  }
  .hero-social-proof--mobile {
    display: flex;
    justify-content: center;
    margin-top: 10px;
    padding: 0 16px 2px;
  }
  .hero-disclaimer--mobile {
    display: inline-flex;
    justify-content: center;
    margin-top: 4px;
    margin-bottom: 0;
    width: 100%;
    padding: 4px 16px;
    font-size: 0.75rem;
    background: transparent;
    border: none;
  }

  /* Mobile Stats - Social Proof */
  .mobile-stats {
    display: flex !important;
    justify-content: space-around;
    align-items: center;
    padding: 14px 0;
    margin-top: 0;
    border-top: 1px solid var(--border);
  }

  .mobile-stat {
    text-align: center;
    padding: 0 10px;
  }

  .mobile-stat-value {
    font-family: var(--font-sans);
    font-size: 1.25rem;
    font-weight: 800;
    letter-spacing: -0.02em;
    color: var(--primary);
  }

  .mobile-stat-label {
    font-size: 0.75rem;
    color: var(--text-muted);
    margin-top: 4px;
  }
}

/* Show mobile stats only on mobile (max-width: 768px) */
@media (max-width: 768px) {
  .mobile-stats {
    display: flex !important;
  }

  /* Trust badges: 3 em linha no mobile, compactos */
  .trust-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
  }

  .trust-badge {
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 8px;
  }

  .trust-icon {
    width: 40px;
    height: 40px;
  }

  .trust-icon svg {
    width: 18px;
    height: 18px;
  }

  .trust-content h4 {
    font-size: 0.8125rem;
    margin-bottom: 2px;
  }

  .trust-content p {
    font-size: 0.6875rem;
    line-height: 1.3;
  }

  .info-grid,
  .loan-grid {
    grid-template-columns: 1fr;
  }

  .steps-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

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

  .cookie-inner {
    flex-direction: row;
    text-align: left;
    gap: 12px;
  }

  .cookie-text {
    min-width: auto;
    font-size: 0.75rem;
  }

  .cookie-buttons {
    flex-shrink: 0;
  }

  .btn-cookie {
    padding: 6px 12px;
    font-size: 0.75rem;
  }

  .result-item {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 16px;
  }

  .result-rank {
    margin: 0 auto;
  }

  .result-rate {
    text-align: center;
  }

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

@media (max-width: 480px) {
  .container {
    padding: 0 16px;
  }
  
  .form-card {
    padding: 24px;
  }
  
  .hero-stats {
    gap: 16px;
  }
  
  .stat-value {
    font-size: 1.5rem;
  }
}

/* ========================================
   ANIMATIONS
   ======================================== */
@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.animate-fade-in {
  animation: fadeInUp 0.6s ease forwards;
}

.animate-delay-1 { animation-delay: 0.1s; }
.animate-delay-2 { animation-delay: 0.2s; }
.animate-delay-3 { animation-delay: 0.3s; }
.animate-delay-4 { animation-delay: 0.4s; }

/* Mobile Menu Styles */
.mobile-menu {
  display: none;
  position: fixed;
  top: 72px;
  left: 0;
  right: 0;
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  padding: 24px;
  z-index: 999;
  box-shadow: var(--shadow-lg);
}

.mobile-menu.active {
  display: block;
}

.mobile-menu .nav-link {
  display: block;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
}

.mobile-menu .nav-cta {
  display: block;
  text-align: center;
  margin-top: 16px;
}