/* xDebt — light professional fintech theme (M1.2) */

:root {
  /* Surfaces */
  --bg: #FFFFFF;
  --bg-1: #F8FAFF;
  --bg-2: #F1F5F9;
  --bg-soft: #F0FDFA;
  --card: #FFFFFF;

  /* Borders */
  --border: #E2E8F0;
  --border-strong: #CBD5E1;
  --border-brand: #99F6E4;

  /* Ink (navy-based for financial trust) */
  --ink: #0B1E3C;
  --ink-2: #1E293B;
  --ink-3: #475569;
  --ink-4: #64748B;
  --ink-5: #94A3B8;

  /* Brand */
  --brand: #0D9488;          /* teal 600 */
  --brand-dark: #0F766E;     /* teal 700 */
  --brand-2: #10B981;        /* emerald 500 */
  --brand-deep: #064E3B;
  --brand-light: #CCFBF1;
  --brand-soft: #F0FDFA;

  /* Accents */
  --navy: #0B1E3C;
  --navy-2: #1E3A8A;
  --amber: #F59E0B;
  --amber-soft: #FEF3C7;
  --success: #059669;
  --warn: #D97706;

  /* Shape */
  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;

  /* Shadow */
  --shadow-xs: 0 1px 2px rgba(11,30,60,.04);
  --shadow-sm: 0 2px 6px rgba(11,30,60,.05), 0 1px 2px rgba(11,30,60,.04);
  --shadow: 0 10px 30px -10px rgba(11,30,60,.12), 0 4px 10px -4px rgba(11,30,60,.06);
  --shadow-lg: 0 24px 60px -20px rgba(11,30,60,.2), 0 8px 20px -8px rgba(11,30,60,.08);
  --shadow-brand: 0 12px 30px -8px rgba(13,148,136,.35);

  /* Type */
  --container: 1200px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Inter", "Segoe UI", Helvetica, Arial, sans-serif;
  color: var(--ink-2);
  background:
    radial-gradient(1000px 600px at 15% -10%, rgba(204,251,241,.5), transparent 60%),
    radial-gradient(900px 500px at 90% 10%, rgba(219,234,254,.45), transparent 55%),
    linear-gradient(180deg, #FFFFFF 0%, #F8FAFF 60%, #FFFFFF 100%);
  background-attachment: fixed;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img, svg { max-width: 100%; display: block; }

a { color: var(--brand-dark); text-decoration: none; transition: color .15s ease; }
a:hover { color: var(--brand); }

h1, h2, h3, h4 {
  margin: 0 0 .4em;
  color: var(--ink);
  letter-spacing: -0.025em;
  line-height: 1.12;
  font-weight: 700;
}
h1 {
  font-size: clamp(2.5rem, 5vw, 4rem);
  font-weight: 800;
  letter-spacing: -0.035em;
  color: var(--ink);
}
h2 {
  font-size: clamp(1.8rem, 3.2vw, 2.6rem);
  font-weight: 800;
  letter-spacing: -0.028em;
}
h3 { font-size: 1.12rem; font-weight: 700; }
p { margin: 0 0 1em; color: var(--ink-3); }
strong { color: var(--ink); font-weight: 700; }
em { color: var(--brand-dark); font-style: normal; font-weight: 600; }

.muted { color: var(--ink-4); }
.small { font-size: .88rem; }
.tiny { font-size: .78rem; }

.grad-text {
  background: linear-gradient(90deg, #0D9488 0%, #10B981 100%);
  -webkit-background-clip: text; background-clip: text;
  color: transparent;
}

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
}

/* Eyebrow pill */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 6px 13px;
  border-radius: 999px;
  background: var(--brand-light);
  border: 1px solid var(--border-brand);
  color: var(--brand-deep);
  font-weight: 600;
  font-size: .78rem;
  letter-spacing: .02em;
  margin-bottom: 22px;
}
.eyebrow .dot {
  width: 7px; height: 7px; border-radius: 999px;
  background: var(--brand-2);
  box-shadow: 0 0 0 4px rgba(16,185,129,.18);
}

/* Nav */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.85);
  backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  display: flex;
  align-items: center;
  gap: 28px;
  padding: 15px 0;
}
.brand { display: inline-flex; align-items: center; }
.brand svg { height: 32px; width: auto; }
.nav-links {
  display: flex; gap: 30px;
  margin-left: 40px;
  flex: 1;
}
.nav-links a {
  color: var(--ink-3);
  font-weight: 500;
  font-size: .94rem;
  transition: color .15s;
}
.nav-links a:hover { color: var(--ink); }
.nav-cta { display: flex; gap: 10px; align-items: center; }
.nav-cta .phone {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 8px 14px;
  color: var(--ink);
  font-weight: 600; font-size: .9rem;
}
.nav-cta .phone svg { width: 16px; height: 16px; color: var(--brand); }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 11px 20px;
  border-radius: 10px;
  font-weight: 600;
  font-size: .95rem;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform .08s ease, box-shadow .2s ease, background .2s ease, color .2s ease, border-color .2s ease;
  white-space: nowrap;
  font-family: inherit;
}
.btn:hover { text-decoration: none; }
.btn-primary {
  background: linear-gradient(135deg, #0D9488 0%, #059669 100%);
  color: white;
  box-shadow: var(--shadow-brand);
}
.btn-primary:hover {
  transform: translateY(-1px);
  box-shadow: 0 16px 38px -10px rgba(13,148,136,.5);
  color: white;
}
.btn-ghost {
  background: white;
  color: var(--ink);
  border-color: var(--border-strong);
  box-shadow: var(--shadow-xs);
}
.btn-ghost:hover {
  background: var(--bg-1);
  border-color: var(--brand);
  color: var(--ink);
}
.btn-lg { padding: 14px 26px; font-size: 1rem; border-radius: 12px; }
.btn-block { width: 100%; }
.btn-icon {
  width: 18px; height: 18px;
  transition: transform .15s ease;
}
.btn:hover .btn-icon { transform: translateX(2px); }

/* Hero */
.hero {
  position: relative;
  padding: 80px 0 96px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 64px;
  align-items: center;
}
.hero h1 { margin: 0 0 18px; }
.hero .lead {
  font-size: clamp(1.05rem, 1.3vw, 1.18rem);
  color: var(--ink-3);
  max-width: 56ch;
  margin-bottom: 28px;
}
.hero-cta { display: flex; gap: 12px; margin: 18px 0 22px; flex-wrap: wrap; }

.trust-row {
  display: flex; flex-wrap: wrap; gap: 22px;
  align-items: center;
  padding-top: 22px;
  margin-top: 22px;
  color: var(--ink-3);
  font-size: .92rem;
  border-top: 1px solid var(--border);
}
.trust-row .check {
  display: inline-grid; place-items: center;
  width: 18px; height: 18px; border-radius: 999px;
  background: var(--brand-light);
  color: var(--brand-dark);
  font-size: .72rem; font-weight: 800;
  margin-right: 7px;
  border: 1px solid var(--border-brand);
}

/* Hero illustration container */
.hero-art {
  position: relative;
  padding: 10px;
}
.hero-art img {
  width: 100%;
  height: auto;
  border-radius: var(--radius-xl);
}
.hero-art::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: var(--radius-xl);
  box-shadow: 0 40px 80px -30px rgba(13,148,136,.25);
  pointer-events: none;
}

/* Social proof row (avatars + quotes) */
.social-proof {
  margin-top: 24px;
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  padding: 18px 20px;
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}
.avatars {
  display: inline-flex;
}
.avatars .av {
  width: 36px; height: 36px;
  border-radius: 999px;
  border: 2.5px solid white;
  box-shadow: 0 2px 6px rgba(11,30,60,.12);
  margin-left: -10px;
  display: grid; place-items: center;
  color: white;
  font-weight: 700;
  font-size: .86rem;
  letter-spacing: -0.01em;
}
.avatars .av:first-child { margin-left: 0; }
.av.a1 { background: linear-gradient(135deg, #0D9488, #0F766E); }
.av.a2 { background: linear-gradient(135deg, #F59E0B, #D97706); }
.av.a3 { background: linear-gradient(135deg, #3B82F6, #1D4ED8); }
.av.a4 { background: linear-gradient(135deg, #EC4899, #BE185D); }
.social-proof .stars {
  color: var(--amber);
  letter-spacing: -0.08em;
  font-size: 1rem;
}
.social-proof .txt {
  color: var(--ink-3);
  font-size: .9rem;
  margin: 0;
}
.social-proof .txt strong { color: var(--ink); }

/* Trust bar */
.trust-bar {
  padding: 32px 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  background: rgba(255,255,255,.65);
}
.trust-bar .container {
  display: flex;
  gap: 40px;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
}
.trust-bar .label {
  font-size: .78rem;
  color: var(--ink-4);
  letter-spacing: .08em;
  text-transform: uppercase;
  font-weight: 600;
  margin-right: 8px;
}
.trust-bar .mark {
  color: var(--ink-3);
  font-weight: 600;
  font-size: .94rem;
  display: inline-flex; align-items: center; gap: 8px;
}
.trust-bar .mark svg { width: 18px; height: 18px; color: var(--brand); }

/* Sections */
section {
  padding: 96px 0;
  position: relative;
}
section.alt { background: var(--bg-1); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.section-head {
  max-width: 740px;
  margin: 0 auto 56px;
  text-align: center;
}
.section-head p { color: var(--ink-3); font-size: 1.05rem; }

/* How it works — 4 cards */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.step {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  position: relative;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
  box-shadow: var(--shadow-xs);
}
.step:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
  border-color: var(--border-brand);
}
.step .num {
  position: absolute;
  top: 22px; right: 26px;
  font-size: .82rem;
  font-weight: 700;
  color: var(--brand);
  letter-spacing: .06em;
}
.step-icon {
  width: 46px; height: 46px;
  border-radius: 12px;
  display: grid; place-items: center;
  background: linear-gradient(135deg, var(--brand-light), var(--brand-soft));
  color: var(--brand-dark);
  margin-bottom: 18px;
  border: 1px solid var(--border-brand);
}
.step h3 { color: var(--ink); font-size: 1.08rem; margin-bottom: 6px; }
.step p { margin: 0; font-size: .94rem; color: var(--ink-3); }

/* Calculator section */
.calc-wrap {
  max-width: 880px;
  margin: 0 auto;
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 48px;
  box-shadow: var(--shadow);
  position: relative;
  overflow: hidden;
}
.calc-wrap::before {
  content: "";
  position: absolute;
  top: -80px; right: -80px;
  width: 260px; height: 260px;
  background: radial-gradient(circle, var(--brand-light), transparent 70%);
  pointer-events: none;
}
.calc-wrap > * { position: relative; z-index: 1; }
.calc-head { margin-bottom: 30px; text-align: center; }
.calc-head h3 { font-size: 1.4rem; margin-bottom: 6px; }
.calc-head p { color: var(--ink-3); margin: 0; }

.slider-wrap { display: flex; flex-direction: column; gap: 8px; }
.amount-display {
  font-size: 3rem;
  font-weight: 800;
  letter-spacing: -0.035em;
  color: var(--ink);
  line-height: 1;
  text-align: center;
  margin: 10px 0 4px;
}
.amount-label {
  font-size: .84rem;
  color: var(--ink-4);
  letter-spacing: .04em;
  font-weight: 600;
  text-align: center;
  margin-bottom: 4px;
  text-transform: uppercase;
}

input[type=range] {
  -webkit-appearance: none; appearance: none;
  width: 100%;
  height: 6px;
  background: linear-gradient(90deg, #10B981, #0D9488);
  border-radius: 999px;
  outline: none;
  padding: 0;
  margin: 14px 0 4px;
}
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 24px; height: 24px;
  border-radius: 999px;
  background: white;
  border: 4px solid var(--brand);
  box-shadow: 0 2px 10px rgba(13,148,136,.3);
  cursor: grab;
  transition: transform .08s ease;
}
input[type=range]::-webkit-slider-thumb:hover { transform: scale(1.1); }
input[type=range]::-moz-range-thumb {
  width: 24px; height: 24px;
  border-radius: 999px;
  background: white;
  border: 4px solid var(--brand);
  box-shadow: 0 2px 10px rgba(13,148,136,.3);
  cursor: grab;
}

.slider-labels {
  display: flex; justify-content: space-between;
  color: var(--ink-4); font-size: .82rem;
}

.calc-result {
  margin-top: 28px;
  padding: 28px;
  background: linear-gradient(135deg, var(--brand-soft), #ECFDF5);
  border: 1px solid var(--border-brand);
  border-radius: var(--radius);
  text-align: center;
}
.calc-result .label {
  font-size: .8rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--brand-dark);
  font-weight: 700;
}
.calc-result .big {
  font-size: 3rem;
  font-weight: 800;
  letter-spacing: -0.035em;
  color: var(--brand-deep);
  margin: 8px 0;
  line-height: 1;
}
.calc-result .sub {
  font-size: .95rem;
  color: var(--ink-3);
  margin: 0 auto;
  max-width: 46ch;
}
.calc-result .fee-note {
  display: inline-flex; align-items: center; gap: 8px;
  margin-top: 18px;
  padding: 8px 14px;
  background: white;
  border: 1px solid var(--border-brand);
  border-radius: 999px;
  font-size: .88rem;
  color: var(--ink);
  font-weight: 600;
}
.calc-result .fee-note .sparkle { color: var(--amber); }

.disclaimer {
  color: var(--ink-4);
  font-size: .78rem;
  margin-top: 22px;
  line-height: 1.6;
  text-align: center;
}

/* Why / Compare */
.compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  max-width: 1000px;
  margin: 0 auto;
}
.compare-card {
  padding: 36px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  background: white;
  position: relative;
  box-shadow: var(--shadow-xs);
}
.compare-card.them {
  background: var(--bg-1);
  opacity: .95;
}
.compare-card.us {
  border-color: var(--brand);
  background:
    linear-gradient(180deg, var(--brand-soft) 0%, white 50%);
  box-shadow: 0 20px 40px -18px rgba(13,148,136,.25);
}
.compare-card .kicker {
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--ink-4);
  font-weight: 700;
  margin-bottom: 8px;
}
.compare-card.us .kicker { color: var(--brand); }
.compare-card h3 { color: var(--ink); font-size: 1.3rem; margin-bottom: 6px; font-weight: 800; }
.compare-card .tagline {
  color: var(--ink-3);
  font-size: .95rem;
  margin: 0 0 20px;
}
.compare-card .fee-headline {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.02em;
  margin: 8px 0 4px;
}
.compare-card.us .fee-headline .accent {
  color: var(--brand-dark);
  font-weight: 800;
}
.compare-card ul { list-style: none; padding: 0; margin: 20px 0 0; }
.compare-card li {
  padding: 12px 0;
  color: var(--ink-3);
  display: flex; gap: 12px; align-items: flex-start;
  font-size: .95rem;
  border-top: 1px solid var(--border);
}
.compare-card li:first-child { border-top: none; }
.compare-card li::before {
  content: ""; width: 20px; height: 20px; flex: 0 0 20px;
  border-radius: 999px; margin-top: 2px;
}
.compare-card.us li::before {
  background:
    url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 14'><path d='M3 7l3 3 5-6' stroke='white' stroke-width='2.4' fill='none' stroke-linecap='round' stroke-linejoin='round'/></svg>") center/11px no-repeat,
    linear-gradient(135deg, #10B981, #0D9488);
}
.compare-card.them li::before {
  background:
    url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 14 14'><path d='M4 4l6 6M10 4l-6 6' stroke='%2394A3B8' stroke-width='2' fill='none' stroke-linecap='round'/></svg>") center/10px no-repeat,
    #F1F5F9;
}
.badge-best {
  position: absolute; top: -12px; right: 28px;
  background: linear-gradient(135deg, #0D9488, #10B981);
  color: white;
  padding: 6px 14px;
  border-radius: 999px;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  box-shadow: var(--shadow-brand);
}

/* Feature grid */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.feature {
  padding: 28px;
  border-radius: var(--radius-lg);
  background: white;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-xs);
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.feature:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
  border-color: var(--border-brand);
}
.feature .ico {
  width: 42px; height: 42px; border-radius: 11px;
  background: linear-gradient(135deg, var(--brand-light), var(--brand-soft));
  color: var(--brand-dark);
  display: grid; place-items: center;
  margin-bottom: 16px;
  border: 1px solid var(--border-brand);
}
.feature h3 { color: var(--ink); font-size: 1.05rem; margin-bottom: 6px; }
.feature p { margin: 0; color: var(--ink-3); font-size: .94rem; }

/* Stats row */
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  background: white;
  margin: 40px 0;
  box-shadow: var(--shadow-sm);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.stat {
  padding: 32px 28px;
  border-right: 1px solid var(--border);
  text-align: center;
}
.stat:last-child { border-right: none; }
.stat .num {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--brand-dark);
  letter-spacing: -0.035em;
  line-height: 1.1;
}
.stat .lbl {
  font-size: .88rem;
  color: var(--ink-4);
  margin-top: 6px;
}

/* Testimonial cards */
.testimonials {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  max-width: 1100px;
  margin: 0 auto;
}
.testimonial {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-xs);
  transition: transform .2s ease, box-shadow .2s ease;
}
.testimonial:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.testimonial .stars { color: var(--amber); letter-spacing: -0.08em; margin-bottom: 12px; }
.testimonial blockquote {
  margin: 0 0 18px; color: var(--ink-2); font-size: 1rem; line-height: 1.55;
  font-weight: 500;
}
.testimonial .who {
  display: flex; align-items: center; gap: 12px;
}
.testimonial .who .av {
  width: 42px; height: 42px; border-radius: 999px;
  display: grid; place-items: center;
  color: white; font-weight: 700; font-size: .95rem;
}
.testimonial .who .meta { display: flex; flex-direction: column; }
.testimonial .who .name { font-weight: 700; color: var(--ink); font-size: .94rem; }
.testimonial .who .loc { color: var(--ink-4); font-size: .84rem; }

/* FAQ */
.faq { max-width: 840px; margin: 0 auto; }
.faq details {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 24px;
  margin-bottom: 12px;
  background: white;
  transition: border-color .15s, box-shadow .15s;
  box-shadow: var(--shadow-xs);
}
.faq details:hover { border-color: var(--border-strong); }
.faq details[open] { border-color: var(--brand); box-shadow: var(--shadow-sm); }
.faq summary {
  cursor: pointer;
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--ink);
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "";
  width: 22px; height: 22px;
  border-radius: 999px;
  border: 1.5px solid var(--border-strong);
  background:
    linear-gradient(currentColor, currentColor) center/10px 1.6px no-repeat,
    linear-gradient(currentColor, currentColor) center/1.6px 10px no-repeat;
  color: var(--brand);
  transition: transform .25s ease;
  flex: 0 0 22px;
}
.faq details[open] summary::after {
  background: linear-gradient(currentColor, currentColor) center/10px 1.6px no-repeat;
}
.faq details p { margin: 14px 0 0; color: var(--ink-3); font-size: .96rem; }

/* Lead form */
.lead-wrap {
  max-width: 880px;
  margin: 0 auto;
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 42px;
  box-shadow: var(--shadow);
}
.lead-form {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.lead-form .full { grid-column: 1 / -1; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field label {
  font-size: .82rem;
  font-weight: 600;
  color: var(--ink-2);
}
.field input, .field select {
  padding: 12px 14px;
  border-radius: 10px;
  border: 1.5px solid var(--border);
  background: white;
  color: var(--ink);
  font-size: 1rem;
  font-family: inherit;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field input::placeholder { color: var(--ink-5); }
.field input:focus, .field select:focus {
  outline: none;
  border-color: var(--brand);
  box-shadow: 0 0 0 3px rgba(13,148,136,.15);
}
.field select {
  appearance: none; -webkit-appearance: none;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'><path d='M1 1l5 5 5-5' stroke='%2364748B' stroke-width='1.8' fill='none' stroke-linecap='round' stroke-linejoin='round'/></svg>");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 12px;
  padding-right: 38px;
}
.form-success {
  padding: 36px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--brand-soft), #ECFDF5);
  border: 1px solid var(--border-brand);
  color: var(--brand-deep);
  text-align: center;
}
.form-success h3 { color: var(--ink); margin-bottom: 6px; }
.form-success p { color: var(--ink-3); margin: 0; }

/* CTA band */
.cta-band {
  margin-top: 20px;
  padding: 56px;
  border-radius: var(--radius-xl);
  background:
    radial-gradient(600px 300px at 100% 0%, rgba(16,185,129,.3), transparent 60%),
    radial-gradient(500px 300px at 0% 100%, rgba(20,184,166,.2), transparent 60%),
    linear-gradient(135deg, #0D9488 0%, #0F766E 100%);
  color: white;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: white; margin: 0 0 6px; font-size: 2rem; }
.cta-band h2 .grad-text {
  background: linear-gradient(90deg, #FEF3C7, #CCFBF1);
  -webkit-background-clip: text; background-clip: text;
  color: transparent;
}
.cta-band p { color: rgba(255,255,255,.85); margin: 0; font-size: 1.05rem; }
.cta-band .btn-primary {
  background: white;
  color: var(--brand-deep);
  box-shadow: 0 10px 30px rgba(0,0,0,.2);
}
.cta-band .btn-primary:hover { color: var(--brand-deep); background: #FEFEFE; }

/* Footer */
footer {
  padding: 72px 0 36px;
  border-top: 1px solid var(--border);
  margin-top: 80px;
  background: var(--bg-1);
  color: var(--ink-3);
  font-size: .9rem;
}
footer .container {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
}
footer h4 {
  color: var(--ink);
  font-size: .8rem;
  text-transform: uppercase;
  letter-spacing: .1em;
  margin-bottom: 16px;
  font-weight: 700;
}
footer ul { list-style: none; padding: 0; margin: 0; }
footer li { padding: 5px 0; }
footer a { color: var(--ink-3); }
footer a:hover { color: var(--ink); }

.legal {
  grid-column: 1 / -1;
  margin-top: 40px;
  padding-top: 28px;
  border-top: 1px solid var(--border);
  color: var(--ink-4);
  font-size: .78rem;
  line-height: 1.65;
}
.legal p { color: var(--ink-4); margin: 0 0 10px; }

/* Responsive */
@media (max-width: 960px) {
  .hero { padding: 56px 0 72px; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .compare, .feature-grid, .testimonials { grid-template-columns: 1fr; }
  .stats { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(2) { border-right: none; }
  .stat:nth-child(-n+2) { border-bottom: 1px solid var(--border); }
  footer .container { grid-template-columns: 1fr 1fr; }
  .cta-band { flex-direction: column; align-items: flex-start; padding: 40px; }
  .calc-wrap { padding: 32px; }
}
@media (max-width: 640px) {
  section { padding: 64px 0; }
  .nav-links { display: none; }
  .nav-cta .phone { display: none; }
  .steps { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr; }
  .stat { border-right: none; border-bottom: 1px solid var(--border); }
  .stat:last-child { border-bottom: none; }
  .lead-form { grid-template-columns: 1fr; }
  .lead-wrap { padding: 28px; }
  footer .container { grid-template-columns: 1fr; }
  .amount-display, .calc-result .big { font-size: 2.3rem; }
  .compare-card { padding: 26px; }
}

/* Selection */
::selection { background: var(--brand-light); color: var(--brand-deep); }

/* Reduce motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}