@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&family=DM+Sans:opsz,wght@9..40,300;9..40,400;9..40,500;9..40,600;9..40,700&display=swap');

:root {
  --primary: #0b2265;
  --primary-dark: #071543;
  --primary-light: #1a3a8f;
  --accent: #c8922a;
  --accent-light: #f0b840;
  --white: #ffffff;
  --bg: #eef1f8;
  --bg-card: #ffffff;
  --text: #0f1b2d;
  --text-muted: #4a5a70;
  --border: #d0d8ed;
  --success: #16a34a;
  --error: #dc2626;
  --shadow: 0 4px 24px rgba(11,34,101,0.09);
  --shadow-lg: 0 8px 48px rgba(11,34,101,0.16);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: 0.3s cubic-bezier(0.4,0,0.2,1);
}

*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{font-family:'DM Sans',sans-serif;background:var(--bg);color:var(--text);line-height:1.65;-webkit-font-smoothing:antialiased;}
h1,h2,h3,h4{font-family:'DM Serif Display',serif;line-height:1.2;}
a{color:var(--accent);text-decoration:none;transition:color var(--transition);}
a:hover{color:var(--accent-light);}
img{max-width:100%;height:auto;display:block;}
ul{list-style:none;}

.container{max-width:1200px;margin:0 auto;padding:0 24px;}

/* ── BUTTONS ── */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 28px;border-radius:8px;font-family:'DM Sans',sans-serif;font-size:15px;font-weight:600;cursor:pointer;border:2px solid transparent;transition:all var(--transition);text-decoration:none;white-space:nowrap;}
.btn-primary{background:var(--accent);color:#fff;border-color:var(--accent);}
.btn-primary:hover{background:var(--accent-light);border-color:var(--accent-light);color:var(--primary-dark);transform:translateY(-2px);box-shadow:0 8px 24px rgba(200,146,42,0.35);}
.btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,0.5);}
.btn-outline:hover{background:rgba(255,255,255,0.12);border-color:#fff;color:#fff;transform:translateY(-2px);}
.btn-dark{background:var(--primary);color:#fff;border-color:var(--primary);}
.btn-dark:hover{background:var(--primary-dark);border-color:var(--primary-dark);color:#fff;transform:translateY(-2px);}
.btn-success{background:var(--success);color:#fff;border-color:var(--success);}
.btn-success:hover{transform:translateY(-2px);color:#fff;}
.btn-lg{padding:17px 36px;font-size:17px;}

/* ── NAVBAR ── */
.navbar{position:fixed;top:0;left:0;right:0;z-index:1000;background:var(--primary-dark);border-bottom:1px solid rgba(255,255,255,0.08);transition:all var(--transition);}
.navbar.scrolled{background:var(--primary-dark);box-shadow:0 4px 24px rgba(0,0,0,0.25);}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:68px;gap:24px;}
.nav-logo{font-family:'DM Serif Display',serif;font-size:21px;color:#fff;text-decoration:none;flex-shrink:0;}
.nav-logo span{color:var(--accent-light);}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none;padding:0;margin:0;}
.nav-links li{padding:0;margin:0;}
.nav-links a{color:rgba(255,255,255,0.82);font-size:14px;font-weight:500;text-decoration:none;padding:8px 13px;border-radius:6px;transition:all var(--transition);display:inline-block;}
.nav-links a:hover{color:#fff;background:rgba(255,255,255,0.1);}
.nav-cta{display:flex;align-items:center;gap:14px;flex-shrink:0;}
.nav-login{color:rgba(255,255,255,0.82);font-size:14px;font-weight:500;text-decoration:none;transition:color var(--transition);}
.nav-login:hover{color:var(--accent-light);}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:6px;}
.hamburger span{display:block;width:24px;height:2px;background:#fff;border-radius:2px;transition:all var(--transition);}
.hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.hamburger.open span:nth-child(2){opacity:0;}
.hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}
.mobile-menu{display:none;flex-direction:column;background:var(--primary-dark);padding:12px 24px 24px;border-top:1px solid rgba(255,255,255,0.07);}
.mobile-menu.open{display:flex;}
.mobile-menu a{color:rgba(255,255,255,0.85);font-size:15px;font-weight:500;text-decoration:none;padding:12px 0;border-bottom:1px solid rgba(255,255,255,0.07);transition:color var(--transition);}
.mobile-menu a:last-child{border-bottom:none;}
.mobile-menu a:hover{color:var(--accent-light);}

/* ── HERO ── */
.hero{position:relative;min-height:100vh;display:flex;align-items:center;background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary) 55%,var(--primary-light) 100%);overflow:hidden;padding-top:68px;}
.hero-blob{position:absolute;border-radius:50%;filter:blur(80px);opacity:0.15;animation:blobFloat 8s ease-in-out infinite;}
.hero-blob-1{width:600px;height:600px;background:var(--accent);top:-200px;right:-100px;animation-delay:0s;}
.hero-blob-2{width:400px;height:400px;background:#4f7cff;bottom:-100px;left:-100px;animation-delay:-4s;}
.hero-blob-3{width:300px;height:300px;background:var(--accent-light);top:50%;left:40%;animation-delay:-2s;}
@keyframes blobFloat{
  0%,100%{transform:translate(0,0) scale(1);}
  33%{transform:translate(30px,-30px) scale(1.05);}
  66%{transform:translate(-20px,20px) scale(0.95);}
}
.hero-content{position:relative;z-index:2;max-width:680px;padding:60px 0;}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(200,146,42,0.2);border:1px solid rgba(200,146,42,0.4);color:var(--accent-light);padding:6px 16px;border-radius:50px;font-size:13px;font-weight:600;margin-bottom:24px;letter-spacing:0.5px;animation:fadeUp 0.6s ease forwards;}
.hero h1{font-size:clamp(38px,5.5vw,70px);color:#fff;margin-bottom:20px;animation:fadeUp 0.6s 0.1s ease both;}
.hero h1 em{color:var(--accent-light);font-style:normal;}
.hero>div>p,.hero p.hero-desc{font-size:18px;color:rgba(255,255,255,0.78);margin-bottom:36px;max-width:540px;line-height:1.75;animation:fadeUp 0.6s 0.2s ease both;}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;animation:fadeUp 0.6s 0.3s ease both;}
.hero-stats{display:flex;gap:44px;margin-top:56px;padding-top:36px;border-top:1px solid rgba(255,255,255,0.13);animation:fadeUp 0.6s 0.4s ease both;}
.hero-stat-value{font-family:'DM Serif Display',serif;font-size:34px;color:var(--accent-light);display:block;}
.hero-stat-label{font-size:13px;color:rgba(255,255,255,0.55);margin-top:3px;}
@keyframes fadeUp{from{opacity:0;transform:translateY(22px);}to{opacity:1;transform:translateY(0);}}
@keyframes scaleIn{from{transform:scale(0);opacity:0;}to{transform:scale(1);opacity:1;}}

/* ── TRUST BAR ── */
.trust-bar{background:#fff;padding:18px 0;border-bottom:1px solid var(--border);box-shadow:var(--shadow);}
.trust-bar-inner{display:flex;align-items:center;justify-content:center;gap:40px;flex-wrap:wrap;}
.trust-item{display:flex;align-items:center;gap:10px;color:var(--text-muted);font-size:14px;font-weight:500;}
.trust-icon{width:30px;height:30px;background:var(--bg);border-radius:8px;display:flex;align-items:center;justify-content:center;font-size:16px;}

/* ── SECTIONS ── */
.section{padding:88px 0;}
.section-sm{padding:56px 0;}
.section-label{font-size:12px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;color:var(--accent);margin-bottom:12px;display:block;}
.section-title{font-size:clamp(27px,3.8vw,42px);color:var(--text);margin-bottom:16px;}
.section-sub{font-size:16px;color:var(--text-muted);max-width:540px;line-height:1.75;}
.section-header{margin-bottom:52px;}
.section-header.center{text-align:center;}
.section-header.center .section-sub{margin:0 auto;}

/* ── GRIDS ── */
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}

/* ── CARDS ── */
.card{background:var(--bg-card);border-radius:var(--radius-lg);padding:30px;box-shadow:var(--shadow);border:1px solid var(--border);transition:all var(--transition);}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);}
.card-icon{width:52px;height:52px;border-radius:14px;background:linear-gradient(135deg,var(--primary),var(--primary-light));display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:18px;}
.card-title{font-family:'DM Serif Display',serif;font-size:20px;margin-bottom:10px;color:var(--text);}
.card-text{color:var(--text-muted);font-size:15px;line-height:1.7;}

/* ── HOW IT WORKS ── */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;position:relative;}
.steps::before{content:'';position:absolute;top:31px;left:calc(16.66% + 20px);right:calc(16.66% + 20px);height:2px;background:linear-gradient(90deg,var(--accent),var(--accent-light));z-index:0;}
.step{text-align:center;position:relative;z-index:1;}
.step-num{width:62px;height:62px;border-radius:50%;background:linear-gradient(135deg,var(--primary),var(--primary-light));color:#fff;font-family:'DM Serif Display',serif;font-size:24px;display:flex;align-items:center;justify-content:center;margin:0 auto 18px;box-shadow:0 4px 18px rgba(11,34,101,0.3);}
.step-title{font-family:'DM Serif Display',serif;font-size:19px;margin-bottom:10px;}
.step-text{font-size:15px;color:var(--text-muted);line-height:1.7;}

/* ── DARK BG ── */
.bg-dark{background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary) 100%);color:#fff;}
.bg-dark .section-title,.bg-dark .card-title,.bg-dark .step-title{color:#fff;}
.bg-dark .section-sub,.bg-dark .card-text,.bg-dark .step-text{color:rgba(255,255,255,0.72);}
.bg-dark .section-label{color:var(--accent-light);}
.bg-dark .card{background:rgba(255,255,255,0.06);border-color:rgba(255,255,255,0.1);}
.bg-dark .card:hover{background:rgba(255,255,255,0.1);}

/* ── LOAN CARDS ── */
.loan-card{background:#fff;border-radius:var(--radius-lg);padding:34px 26px;text-align:center;box-shadow:var(--shadow);border:2px solid var(--border);transition:all var(--transition);position:relative;overflow:hidden;}
.loan-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--primary),var(--accent));}
.loan-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:var(--accent);}
.loan-card.featured{border-color:var(--accent);background:linear-gradient(135deg,var(--primary-dark),var(--primary));}
.loan-card.featured .loan-amount{color:var(--accent-light);}
.loan-card.featured .loan-label,.loan-card.featured .loan-apr{color:rgba(255,255,255,0.65);}
.loan-card.featured .card-title{color:#fff;}
.loan-card.featured .loan-feature{color:rgba(255,255,255,0.72);}
.loan-amount{font-family:'DM Serif Display',serif;font-size:46px;color:var(--primary);margin:12px 0;}
.loan-label{font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--text-muted);}
.loan-apr{font-size:13px;color:var(--text-muted);margin:8px 0 22px;}
.loan-features{list-style:none;margin-bottom:22px;display:flex;flex-direction:column;gap:8px;padding:0;}
.loan-feature{font-size:14px;color:var(--text-muted);display:flex;align-items:center;justify-content:center;gap:7px;}
.loan-feature::before{content:'✓';color:var(--success);font-weight:700;}

/* ── FAQ ── */
.faq-item{border:1px solid var(--border);border-radius:var(--radius);background:#fff;overflow:hidden;margin-bottom:10px;}
.faq-question{width:100%;background:none;border:none;padding:18px 22px;text-align:left;font-family:'DM Sans',sans-serif;font-size:16px;font-weight:600;color:var(--text);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;transition:background var(--transition);}
.faq-question:hover{background:var(--bg);}
.faq-icon{font-size:20px;color:var(--accent);transition:transform var(--transition);flex-shrink:0;line-height:1;}
.faq-answer{max-height:0;overflow:hidden;transition:max-height 0.4s ease;}
.faq-answer.open{max-height:500px;}
.faq-answer-inner{padding:0 22px 18px;}
.faq-answer p{font-size:15px;color:var(--text-muted);line-height:1.75;}
.faq-question.open .faq-icon{transform:rotate(45deg);}

/* ── TABLES ── */
.table-wrap{overflow-x:auto;border-radius:var(--radius-lg);box-shadow:var(--shadow);border:1px solid var(--border);}
table{width:100%;border-collapse:collapse;background:#fff;}
thead tr{background:var(--primary);color:#fff;}
th{padding:15px 18px;text-align:left;font-size:13px;font-weight:600;letter-spacing:0.5px;}
td{padding:13px 18px;font-size:15px;color:var(--text);border-bottom:1px solid var(--border);}
tbody tr:last-child td{border-bottom:none;}
tbody tr:hover{background:var(--bg);}
tbody tr:nth-child(even){background:rgba(238,241,248,0.5);}

/* ── DISCLAIMER ── */
.disclaimer{background:#fff8e6;border:1px solid #f0c040;border-radius:var(--radius);padding:18px 22px;font-size:13px;color:#7a6020;line-height:1.75;}
.disclaimer strong{color:#5a4010;}
.disclaimer a{color:#8a5010;}

/* ── PAGE HERO ── */
.page-hero{background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary) 100%);padding:120px 0 72px;position:relative;overflow:hidden;}
.page-hero-blob{position:absolute;border-radius:50%;filter:blur(60px);opacity:0.12;animation:blobFloat 8s ease-in-out infinite;}
.page-hero h1{color:#fff;font-size:clamp(30px,4.5vw,52px);margin-bottom:12px;position:relative;z-index:1;}
.page-hero p{color:rgba(255,255,255,0.75);font-size:16px;max-width:540px;line-height:1.75;position:relative;z-index:1;}
.breadcrumb{display:flex;align-items:center;gap:8px;font-size:13px;color:rgba(255,255,255,0.5);margin-bottom:14px;position:relative;z-index:1;list-style:none;padding:0;}
.breadcrumb a{color:rgba(255,255,255,0.5);text-decoration:none;}
.breadcrumb a:hover{color:var(--accent-light);}
.breadcrumb span{color:rgba(255,255,255,0.3);}

/* ── FORMS ── */
.form-group{margin-bottom:18px;}
label{display:block;font-size:13px;font-weight:600;color:var(--text);margin-bottom:7px;}
input[type="text"],input[type="email"],input[type="password"],input[type="tel"],select,textarea{width:100%;padding:12px 15px;border:1.5px solid var(--border);border-radius:var(--radius);font-family:'DM Sans',sans-serif;font-size:15px;color:var(--text);background:#fff;transition:border-color var(--transition),box-shadow var(--transition);outline:none;}
input:focus,select:focus,textarea:focus{border-color:var(--primary);box-shadow:0 0 0 3px rgba(11,34,101,0.08);}
textarea{resize:vertical;min-height:130px;}
.checkbox-wrap{display:flex;align-items:flex-start;gap:10px;cursor:pointer;font-size:14px;color:var(--text-muted);line-height:1.5;}
.checkbox-wrap input[type="checkbox"]{width:17px;height:17px;cursor:pointer;flex-shrink:0;margin-top:2px;}

/* ── FOOTER ── */
.footer{background:var(--primary-dark);color:rgba(255,255,255,0.75);padding:60px 0 0;}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:44px;margin-bottom:44px;}
.footer-brand .nav-logo{font-size:19px;display:inline-block;margin-bottom:14px;color:#fff;}
.footer-brand .nav-logo span{color:var(--accent-light);}
.footer-brand p{font-size:13px;line-height:1.75;color:rgba(255,255,255,0.45);margin-bottom:18px;max-width:280px;}
.footer-col h4{font-family:'DM Sans',sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:rgba(255,255,255,0.3);margin-bottom:14px;}
.footer-col ul{list-style:none;padding:0;margin:0;}
.footer-col ul li{margin-bottom:9px;}
.footer-col ul a{color:rgba(255,255,255,0.62);font-size:14px;text-decoration:none;transition:color var(--transition);}
.footer-col ul a:hover{color:var(--accent-light);}
.footer-badges{display:flex;gap:8px;flex-wrap:wrap;}
.badge{display:inline-flex;align-items:center;gap:5px;padding:5px 10px;background:rgba(255,255,255,0.05);border:1px solid rgba(255,255,255,0.1);border-radius:6px;font-size:11px;font-weight:600;color:rgba(255,255,255,0.65);}
.footer-disclaimer{border-top:1px solid rgba(255,255,255,0.07);padding:28px 0;}
.footer-disclaimer p{font-size:11.5px;color:rgba(255,255,255,0.3);line-height:1.85;margin-bottom:10px;}
.footer-disclaimer p strong{color:rgba(255,255,255,0.45);}
.footer-bottom{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;padding:18px 0;border-top:1px solid rgba(255,255,255,0.06);}
.footer-bottom p{font-size:12px;color:rgba(255,255,255,0.28);}
.ssl-badge{display:flex;align-items:center;gap:7px;padding:6px 13px;background:rgba(22,163,74,0.1);border:1px solid rgba(22,163,74,0.22);border-radius:6px;color:#4ade80;font-size:12px;font-weight:600;}

/* ── CONTENT LISTS (icons instead of bullets) ── */
.icon-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px;}
.icon-list li{display:flex;align-items:flex-start;gap:10px;font-size:15px;color:var(--text-muted);line-height:1.6;padding-left:4px;}
.icon-list li::before{content:'→';color:var(--accent);font-weight:700;flex-shrink:0;margin-top:1px;}

/* ── LEGAL PAGES ── */
.legal-content{background:#fff;border-radius:var(--radius-lg);padding:48px 52px;box-shadow:var(--shadow);border:1px solid var(--border);}
.legal-content h2{font-size:23px;margin:38px 0 13px;color:var(--primary);}
.legal-content h2:first-of-type{margin-top:0;}
.legal-content h3{font-size:17px;margin:22px 0 9px;color:var(--text);}
.legal-content p{font-size:15px;color:var(--text-muted);line-height:1.82;margin-bottom:13px;}
.legal-content ul{margin:10px 0 14px 0;padding:0;list-style:none;display:flex;flex-direction:column;gap:8px;}
.legal-content ul li{font-size:15px;color:var(--text-muted);line-height:1.7;display:flex;align-items:flex-start;gap:10px;padding-left:4px;}
.legal-content ul li::before{content:'›';color:var(--accent);font-size:18px;font-weight:700;flex-shrink:0;margin-top:-1px;}
.last-updated{font-size:13px;color:var(--text-muted);margin-bottom:28px;padding-bottom:22px;border-bottom:1px solid var(--border);}

/* ── STANDARDS ── */
.standards-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;}
.standards-col{background:#fff;border-radius:var(--radius-lg);padding:26px;box-shadow:var(--shadow);border:1px solid var(--border);}
.standards-col.require{border-top:4px solid var(--success);}
.standards-col.prohibit{border-top:4px solid var(--error);}
.standards-col h3{font-size:19px;margin-bottom:18px;display:flex;align-items:center;gap:9px;}
.standards-col.require h3{color:var(--success);}
.standards-col.prohibit h3{color:var(--error);}
.standards-list{list-style:none;padding:0;display:flex;flex-direction:column;gap:11px;}
.standards-list li{display:flex;align-items:flex-start;gap:10px;font-size:15px;color:var(--text);line-height:1.5;}
.check{color:var(--success);font-size:17px;flex-shrink:0;}
.cross{color:var(--error);font-size:17px;flex-shrink:0;}

/* ── TIPS ── */
.tips-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;}
.tip-card{background:#fff;border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);border:1px solid var(--border);display:flex;gap:14px;align-items:flex-start;transition:all var(--transition);}
.tip-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);}
.tip-icon{font-size:26px;flex-shrink:0;}
.tip-card h4{font-family:'DM Serif Display',serif;font-size:16px;margin-bottom:5px;}
.tip-card p{font-size:14px;color:var(--text-muted);line-height:1.65;}

/* ── WARNING ── */
.warning-box{background:#fff3f3;border:1.5px solid #fca5a5;border-radius:var(--radius);padding:26px;}
.warning-box h3{color:var(--error);font-size:19px;margin-bottom:14px;display:flex;align-items:center;gap:9px;}
.warning-list{list-style:none;padding:0;display:flex;flex-direction:column;gap:9px;}
.warning-list li{display:flex;align-items:flex-start;gap:9px;font-size:15px;color:#7f1d1d;line-height:1.5;}
.warning-list li::before{content:'⚠';flex-shrink:0;}

/* ── PRINCIPLES ── */
.principles-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;}
.principle-card{background:#fff;border-radius:var(--radius-lg);padding:30px;box-shadow:var(--shadow);border:1px solid var(--border);transition:all var(--transition);border-top:4px solid var(--primary);}
.principle-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);}
.principle-icon{font-size:38px;margin-bottom:14px;}
.principle-card h3{font-family:'DM Serif Display',serif;font-size:21px;margin-bottom:9px;}
.principle-card p{font-size:15px;color:var(--text-muted);line-height:1.7;}

/* ── OVERVIEW CARDS ── */
.overview-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.overview-card{background:#fff;border-radius:var(--radius-lg);padding:30px;box-shadow:var(--shadow);border:1px solid var(--border);text-align:center;transition:all var(--transition);}
.overview-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);}
.overview-card-icon{font-size:38px;margin-bottom:14px;}
.overview-card-value{font-family:'DM Serif Display',serif;font-size:32px;color:var(--primary);margin-bottom:5px;}
.overview-card h3{font-size:15px;color:var(--text-muted);font-family:'DM Sans',sans-serif;font-weight:500;margin-bottom:7px;}
.overview-card p{font-size:13px;color:var(--text-muted);line-height:1.6;}

/* ── FEE CARDS ── */
.fee-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;}
.fee-card{background:#fff;border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);border:1px solid var(--border);border-left:4px solid var(--primary);}
.fee-card h3{font-family:'DM Serif Display',serif;font-size:17px;margin-bottom:5px;}
.fee-amount{font-size:19px;font-weight:700;color:var(--primary);margin-bottom:7px;}
.fee-card p{font-size:14px;color:var(--text-muted);line-height:1.7;}

/* ── CONTACT ── */
.contact-layout{display:grid;grid-template-columns:1fr 360px;gap:36px;align-items:start;}
.contact-form-wrap{background:#fff;border-radius:var(--radius-lg);padding:36px;box-shadow:var(--shadow);border:1px solid var(--border);}
.contact-form-wrap h2{font-size:26px;margin-bottom:7px;}
.contact-form-wrap .sub{color:var(--text-muted);font-size:15px;margin-bottom:28px;}
.contact-info-card{background:#fff;border-radius:var(--radius);padding:18px;display:flex;align-items:flex-start;gap:14px;box-shadow:var(--shadow);border:1px solid var(--border);margin-bottom:14px;transition:all var(--transition);}
.contact-info-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg);}
.contact-info-icon{width:44px;height:44px;border-radius:11px;background:linear-gradient(135deg,var(--primary),var(--primary-light));display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0;}
.contact-info-text h4{font-family:'DM Sans',sans-serif;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:1.2px;color:var(--text-muted);margin-bottom:3px;}
.contact-info-text p{font-size:14px;color:var(--text);font-weight:500;}

/* ── LOGIN ── */
.login-wrap{min-height:100vh;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary) 100%);padding:90px 24px 40px;position:relative;overflow:hidden;}
.login-blob{position:absolute;border-radius:50%;filter:blur(70px);opacity:0.15;animation:blobFloat 8s ease-in-out infinite;}
.login-card{background:#fff;border-radius:var(--radius-lg);padding:44px 38px;width:100%;max-width:430px;box-shadow:var(--shadow-lg);position:relative;z-index:1;}
.login-logo{text-align:center;margin-bottom:28px;}
.login-logo .nav-logo{font-size:22px;color:var(--primary);display:inline-block;}
.login-logo .nav-logo span{color:var(--accent);}
.login-card h2{text-align:center;font-size:26px;margin-bottom:7px;}
.login-sub{text-align:center;color:var(--text-muted);font-size:15px;margin-bottom:28px;}
.error-msg{background:#fff3f3;border:1px solid #fca5a5;border-radius:8px;padding:12px 15px;color:var(--error);font-size:14px;display:none;align-items:center;gap:8px;margin-bottom:18px;}
.forgot-link{font-size:13px;color:var(--accent);font-weight:500;}
.forgot-link:hover{color:var(--accent-light);}

/* ── APPLY ── */
.apply-wrap{padding-top:68px;background:var(--bg);min-height:100vh;}
.apply-header{background:linear-gradient(135deg,var(--primary-dark) 0%,var(--primary) 100%);padding:52px 0;text-align:center;position:relative;overflow:hidden;}
.apply-header h1{color:#fff;font-size:clamp(26px,4vw,42px);margin-bottom:9px;position:relative;z-index:1;}
.apply-header p{color:rgba(255,255,255,0.7);font-size:16px;position:relative;z-index:1;}
.apply-trust{display:flex;align-items:center;justify-content:center;gap:22px;flex-wrap:wrap;margin-top:22px;position:relative;z-index:1;}
.apply-trust-item{display:flex;align-items:center;gap:7px;color:rgba(255,255,255,0.72);font-size:14px;font-weight:500;}
.apply-form-wrap{max-width:860px;margin:0 auto;padding:44px 24px 72px;}

/* ── UNSUBSCRIBE ── */
.unsub-wrap{min-height:calc(100vh - 68px);display:flex;align-items:center;justify-content:center;padding:40px 24px 72px;background:var(--bg);}
.unsub-card{background:#fff;border-radius:var(--radius-lg);padding:44px 36px;max-width:500px;width:100%;box-shadow:var(--shadow-lg);border:1px solid var(--border);text-align:center;}
.unsub-card h1{font-size:30px;margin-bottom:10px;}
.unsub-card>p{color:var(--text-muted);margin-bottom:24px;font-size:16px;line-height:1.7;}
.success-icon{width:76px;height:76px;border-radius:50%;background:linear-gradient(135deg,#16a34a,#4ade80);display:flex;align-items:center;justify-content:center;font-size:38px;margin:0 auto 22px;animation:scaleIn 0.5s cubic-bezier(0.34,1.56,0.64,1) both;}
.unsub-form{text-align:left;}

/* ── MINIMAL (one-click unsubscribe) ── */
.minimal-wrap{min-height:100vh;display:flex;flex-direction:column;background:var(--primary-dark);}
.minimal-header{padding:22px 0;text-align:center;border-bottom:1px solid rgba(255,255,255,0.07);}
.minimal-body{flex:1;display:flex;align-items:center;justify-content:center;padding:60px 24px;}
.minimal-card{background:rgba(255,255,255,0.06);border:1px solid rgba(255,255,255,0.1);border-radius:var(--radius-lg);padding:44px 38px;max-width:580px;width:100%;text-align:center;}
.minimal-card h1{color:#fff;font-size:26px;margin-bottom:12px;}
.minimal-card p{color:rgba(255,255,255,0.65);font-size:15px;line-height:1.75;}
.minimal-card p strong{color:var(--accent-light);}
.minimal-footer{padding:22px 0;text-align:center;border-top:1px solid rgba(255,255,255,0.07);}
.minimal-footer p{font-size:12px;color:rgba(255,255,255,0.28);}

/* ── DO NOT SELL RIGHTS LIST ── */
.rights-list{list-style:none;padding:0;display:flex;flex-direction:column;gap:9px;}
.rights-list li{font-size:14px;color:var(--text-muted);display:flex;gap:8px;align-items:flex-start;}
.rights-list li span{color:var(--primary);flex-shrink:0;}

/* ── RESPONSIVE ── */
@media(max-width:1024px){
  .footer-grid{grid-template-columns:1fr 1fr;gap:30px;}
  .footer-brand{grid-column:1/-1;}
  .contact-layout{grid-template-columns:1fr;}
  .overview-cards{grid-template-columns:repeat(2,1fr);}
}
@media(max-width:768px){
  .nav-links,.nav-cta{display:none;}
  .hamburger{display:flex;}
  .grid-2,.grid-3,.grid-4,.steps,.standards-grid,.tips-grid,.overview-cards,.fee-grid,.principles-grid{grid-template-columns:1fr;}
  .steps::before{display:none;}
  .hero-stats{gap:22px;flex-wrap:wrap;}
  .footer-grid{grid-template-columns:1fr;gap:28px;}
  .legal-content{padding:26px 18px;}
  .contact-form-wrap{padding:22px;}
  .login-card{padding:28px 20px;}
  .unsub-card{padding:30px 22px;}
  .section{padding:60px 0;}
  .page-hero{padding:100px 0 56px;}
  .minimal-card{padding:30px 22px;}
}
@media(max-width:480px){
  .hero-actions{flex-direction:column;}
  .btn{width:100%;justify-content:center;}
  .trust-bar-inner{gap:18px;}
  .hero-stats{flex-direction:column;gap:14px;}
  .container{padding:0 16px;}
}

/* ── ADDITIONAL FIXES ── */
.hero-content p { font-size: 18px; color: rgba(255,255,255,0.78); margin-bottom: 36px; max-width: 540px; line-height: 1.75; animation: fadeUp 0.6s 0.2s ease both; }
.hero-content h1 { font-size: clamp(38px,5.5vw,70px); color: #fff; margin-bottom: 20px; animation: fadeUp 0.6s 0.1s ease both; }
.hero-content h1 em { color: var(--accent-light); font-style: normal; }

.section-bg-white { background: #fff; }
.section-bg-white .section-title { color: var(--text); }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media(max-width:600px){ .form-row { grid-template-columns: 1fr; } }

.info-note { background: var(--bg); border-radius: var(--radius); padding: 18px 20px; border: 1px solid var(--border); font-size: 14px; color: var(--text-muted); line-height: 1.7; }
.info-note strong { color: var(--text); }