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

:root {
  --gold: #f59e0b;
  --gold-dark: #d97706;
  --gold-light: #fef3c7;
  --green: #10b981;
  --red: #ef4444;
  --dark: #0f172a;
  --dark-2: #1e293b;
  --mid: #475569;
  --light: #f8fafc;
  --border: #e2e8f0;
  --white: #ffffff;
  --radius: 12px;
  --radius-lg: 20px;
  --shadow: 0 4px 24px rgba(0,0,0,0.08);
  --shadow-lg: 0 12px 48px rgba(0,0,0,0.14);
  --transition: 0.2s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, sans-serif;
  color: var(--dark);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ── LAYOUT ── */
.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 96px 0; }
.section-alt { background: var(--light); }

.section-header {
  text-align: center;
  max-width: 600px;
  margin: 0 auto 64px;
}
.section-tag {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 10px;
}
.section-header h2 { font-size: clamp(28px, 4vw, 40px); font-weight: 800; line-height: 1.15; margin-bottom: 14px; }
.section-sub { color: var(--mid); font-size: 17px; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 22px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 15px;
  text-decoration: none;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-sm { padding: 7px 16px; font-size: 14px; }
.btn-lg { padding: 14px 30px; font-size: 16px; border-radius: 10px; }
.btn-full { width: 100%; justify-content: center; }

.btn-primary { background: var(--gold); color: var(--dark); border-color: var(--gold); }
.btn-primary:hover { background: var(--gold-dark); border-color: var(--gold-dark); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(245,158,11,0.35); }

.btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.5); }
.btn-outline:hover { background: rgba(255,255,255,0.12); border-color: var(--white); }

/* ── NAV ── */
.nav-wrapper {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.logo {
  font-family: 'Montserrat', 'Inter', -apple-system, sans-serif;
  font-weight: 700;
  font-size: 18px;
  color: var(--dark);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 8px;
  line-height: 1;
}
.logo-light { color: var(--white); }
.logo-icon {
  display: inline-flex;
  align-items: center;
}
.logo-image {
  display: block;
  height: 42px;
  width: auto;
  max-width: 100%;
  object-fit: contain;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
  list-style: none;
}
.nav-links a {
  text-decoration: none;
  color: var(--mid);
  font-size: 15px;
  font-weight: 500;
  transition: color var(--transition);
}
.nav-links a:hover { color: var(--dark); }
.nav-toggle { display: none; background: none; border: none; font-size: 22px; cursor: pointer; color: var(--dark); }

/* ── HERO ── */
.hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: linear-gradient(135deg, #0f172a 0%, #1e3a5f 50%, #0f172a 100%);
}
.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 70% 40%, rgba(245,158,11,0.18) 0%, transparent 70%),
    radial-gradient(ellipse 40% 60% at 20% 80%, rgba(16,185,129,0.10) 0%, transparent 60%);
  pointer-events: none;
}
.hero-content {
  position: relative;
  z-index: 1;
  padding-top: 40px;
  padding-bottom: 80px;
}
.badge {
  display: inline-block;
  background: rgba(245,158,11,0.18);
  color: var(--gold);
  border: 1px solid rgba(245,158,11,0.35);
  border-radius: 100px;
  padding: 5px 16px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.05em;
  margin-bottom: 24px;
}
.hero-content h1 {
  font-size: clamp(44px, 7vw, 80px);
  font-weight: 800;
  color: var(--white);
  line-height: 1.05;
  margin-bottom: 24px;
  letter-spacing: -1px;
}
.highlight { color: var(--gold); }
.hero-sub {
  font-size: clamp(16px, 2vw, 20px);
  color: rgba(255,255,255,0.72);
  max-width: 520px;
  margin-bottom: 40px;
  line-height: 1.6;
}
.hero-cta { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 64px; }
.hero-stats {
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}
.stat { display: flex; flex-direction: column; }
.stat strong { font-size: 28px; font-weight: 800; color: var(--white); line-height: 1; }
.stat span { font-size: 13px; color: rgba(255,255,255,0.55); margin-top: 4px; }
.stat-divider { width: 1px; height: 40px; background: rgba(255,255,255,0.2); }

/* ── TRUST ── */
.trust { padding: 32px 24px; text-align: center; border-bottom: 1px solid var(--border); }
.trust-label { font-size: 13px; color: var(--mid); margin-bottom: 20px; font-weight: 500; letter-spacing: 0.05em; text-transform: uppercase; }
.trust-logos {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 12px 32px;
}
.trust-logos span {
  font-size: 14px;
  font-weight: 700;
  color: var(--mid);
  opacity: 0.6;
  letter-spacing: 0.03em;
}

/* ── CARDS ── */
.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
}
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--gold); }
.card-featured {
  border-color: var(--gold);
  background: linear-gradient(135deg, #fffbeb 0%, #fef3c7 100%);
  box-shadow: var(--shadow);
}
.card-badge {
  position: absolute;
  top: 16px; right: 16px;
  background: var(--gold);
  color: var(--dark);
  font-size: 11px;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 100px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.card-icon { font-size: 36px; margin-bottom: 16px; }
.card h3 { font-size: 20px; font-weight: 700; margin-bottom: 10px; }
.card p { color: var(--mid); font-size: 15px; line-height: 1.6; margin-bottom: 20px; }
.card-link { font-weight: 600; color: var(--gold-dark); text-decoration: none; font-size: 15px; }
.card-link:hover { color: var(--dark); }

/* ── STEPS ── */
.steps {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  flex-wrap: wrap;
}
.step {
  flex: 1;
  min-width: 180px;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  border: 1px solid var(--border);
  transition: all var(--transition);
}
.step:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--gold); }
.step-num {
  font-size: 36px;
  font-weight: 800;
  color: var(--gold);
  opacity: 0.4;
  line-height: 1;
  margin-bottom: 12px;
}
.step h3 { font-size: 18px; font-weight: 700; margin-bottom: 10px; }
.step p { color: var(--mid); font-size: 15px; line-height: 1.6; }
.step-arrow { font-size: 24px; color: var(--gold); opacity: 0.4; margin-top: 48px; flex-shrink: 0; }

/* ── SAVINGS ── */
.savings-section { background: var(--dark); color: var(--white); }
.savings-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.savings-text .section-tag { color: var(--gold); }
.savings-text h2 { color: var(--white); margin-bottom: 16px; }
.savings-text p { color: rgba(255,255,255,0.72); margin-bottom: 28px; font-size: 17px; line-height: 1.7; }
.savings-list { list-style: none; margin-bottom: 36px; display: flex; flex-direction: column; gap: 10px; }
.savings-list li { color: rgba(255,255,255,0.82); font-size: 16px; font-weight: 500; }

.savings-card {
  background: var(--dark-2);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
}
.savings-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  font-size: 16px;
  color: rgba(255,255,255,0.72);
}
.savings-big { font-size: 20px; font-weight: 600; color: var(--white); }
.savings-divider { height: 1px; background: rgba(255,255,255,0.1); margin: 8px 0; }
.savings-note { font-size: 12px; color: rgba(255,255,255,0.35); margin-top: 16px; }
.text-red { color: #f87171; }
.text-green { color: #34d399; }
.text-gold { color: var(--gold); font-weight: 800; }

/* ── TESTIMONIALS ── */
.testimonials { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }
.testimonial {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: all var(--transition);
}
.testimonial:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.stars { color: var(--gold); font-size: 18px; letter-spacing: 2px; margin-bottom: 16px; }
.testimonial p { color: var(--mid); font-size: 15px; line-height: 1.7; margin-bottom: 24px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 13px; color: var(--dark);
  flex-shrink: 0;
}
.testimonial-author strong { display: block; font-size: 15px; font-weight: 700; }
.testimonial-author span { font-size: 13px; color: var(--mid); }

/* ── CONTACT ── */
.contact-section { background: var(--light); }
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 80px; align-items: start; }
.contact-text .section-tag { color: var(--gold-dark); }
.contact-text h2 { margin-bottom: 14px; }
.contact-text > p { color: var(--mid); font-size: 17px; margin-bottom: 36px; line-height: 1.7; }
.contact-info { display: flex; flex-direction: column; gap: 16px; }
.contact-item { display: flex; align-items: center; gap: 12px; font-size: 16px; font-weight: 500; }
.contact-icon { font-size: 20px; width: 32px; text-align: center; }

.contact-form {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.form-group label { font-size: 14px; font-weight: 600; color: var(--dark); }
.form-group input, .form-group select {
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-size: 15px;
  font-family: inherit;
  color: var(--dark);
  background: var(--white);
  transition: border-color var(--transition);
  outline: none;
}
.form-group input:focus, .form-group select:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(245,158,11,0.15); }
.form-note { text-align: center; font-size: 13px; color: var(--mid); margin-top: 12px; }

/* ── FOOTER ── */
.footer { background: var(--dark); color: rgba(255,255,255,0.6); padding-top: 72px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-brand p { margin-top: 16px; font-size: 15px; line-height: 1.6; max-width: 260px; }
.social-links { display: flex; gap: 10px; margin-top: 20px; }
.social-links a {
  width: 36px; height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.6);
  font-size: 13px;
  font-weight: 700;
  text-decoration: none;
  transition: all var(--transition);
}
.social-links a:hover { background: var(--gold); color: var(--dark); }
.footer-col h4 { font-size: 15px; font-weight: 700; color: var(--white); margin-bottom: 20px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a { color: rgba(255,255,255,0.55); text-decoration: none; font-size: 15px; transition: color var(--transition); }
.footer-col ul a:hover { color: var(--gold); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 24px 24px;
  font-size: 14px;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-legal { display: flex; gap: 24px; }
.footer-legal a { color: rgba(255,255,255,0.45); text-decoration: none; }
.footer-legal a:hover { color: var(--gold); }

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .savings-grid, .contact-grid { grid-template-columns: 1fr; gap: 48px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .steps { flex-direction: column; }
  .step-arrow { transform: rotate(90deg); margin: 0 auto; }
}

@media (max-width: 640px) {
  .section { padding: 64px 0; }
  .nav-links { display: none; }
  .nav-toggle { display: block; }
  .hero { min-height: 100svh; }
  .hero-cta { flex-direction: column; }
  .hero-stats { gap: 20px; }
  .stat-divider { display: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .form-row { grid-template-columns: 1fr; }
  .savings-card { padding: 24px 20px; }
}

/* ── FORM SUCCESS ── */
.form-success {
  text-align: center;
  padding: 48px 32px;
}
.form-success .success-icon { font-size: 56px; margin-bottom: 16px; }
.form-success h3 { font-size: 22px; font-weight: 700; margin-bottom: 10px; }
.form-success p { color: var(--mid); font-size: 16px; }