/* ================================================
   MyyLaskut.com — Global Stylesheet
   Scandinavian editorial minimalism
   ================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,700;0,900;1,700&family=Inter:wght@300;400;500;600&display=swap');

/* ------------------------------------------------
   1. DESIGN TOKENS
   ------------------------------------------------ */
:root {
  /* Palette */
  --c-bg:        #F5F0E8;
  --c-white:     #FFFFFF;
  --c-dark:      #111111;
  --c-muted:     #6B6560;
  --c-green:     #1A5C38;
  --c-green-h:   #124027;
  --c-green-bg:  #E8F2EC;
  --c-border:    #DDD8CF;
  --c-dark-card: #1C1C1C;

  /* Typography */
  --f-display: 'Playfair Display', Georgia, serif;
  --f-body:    'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  /* Spacing (8-point grid) */
  --s-1:  0.5rem;
  --s-2:  1rem;
  --s-3:  1.5rem;
  --s-4:  2rem;
  --s-6:  3rem;
  --s-8:  4rem;
  --s-12: 6rem;
  --s-16: 8rem;

  /* Radius */
  --r-sm: 6px;
  --r-md: 12px;
  --r-lg: 20px;
  --r-xl: 32px;

  /* Transitions */
  --t-fast:   0.15s ease;
  --t-base:   0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --t-slow:   0.6s cubic-bezier(0.4, 0, 0.2, 1);

  /* Layout */
  --max-w: 1240px;
}

/* ------------------------------------------------
   2. RESET & BASE
   ------------------------------------------------ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--f-body);
  background: var(--c-bg);
  color: var(--c-dark);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; font-family: inherit; border: none; background: none; }

/* ------------------------------------------------
   3. LAYOUT
   ------------------------------------------------ */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 var(--s-4);
}
.container-sm {
  max-width: 780px;
  margin: 0 auto;
  padding: 0 var(--s-4);
}
.section    { padding: var(--s-16) 0; }
.section-sm { padding: var(--s-8) 0; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--s-4); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--s-4); }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--s-4); }
.flex         { display: flex; }
.flex-center  { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.col          { flex-direction: column; }
.gap-2 { gap: var(--s-2); }
.gap-3 { gap: var(--s-3); }
.gap-4 { gap: var(--s-4); }

/* ------------------------------------------------
   4. NAVIGATION
   ------------------------------------------------ */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: var(--s-3) 0;
  transition: var(--t-base);
}
.nav.scrolled {
  background: rgba(245, 240, 232, 0.94);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  padding: var(--s-2) 0;
  border-bottom: 1px solid var(--c-border);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  font-family: var(--f-display);
  font-weight: 700;
  font-size: 1.4rem;
  color: var(--c-dark);
  letter-spacing: -0.02em;
  flex-shrink: 0;
}
.nav-logo span { color: var(--c-green); }
.nav-links {
  display: flex;
  align-items: center;
  gap: var(--s-4);
}
.nav-links a {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--c-muted);
  transition: var(--t-fast);
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -2px; left: 0;
  width: 0; height: 1.5px;
  background: var(--c-green);
  transition: var(--t-base);
}
.nav-links a:hover { color: var(--c-dark); }
.nav-links a:hover::after,
.nav-links a.active::after { width: 100%; }
.nav-links a.active { color: var(--c-dark); }
.btn-nav {
  background: var(--c-green);
  color: white !important;
  font-size: 0.8125rem;
  font-weight: 600;
  padding: 0.5625rem 1.25rem;
  border-radius: var(--r-md);
  transition: var(--t-base);
  white-space: nowrap;
}
.btn-nav:hover {
  background: var(--c-green-h);
  transform: translateY(-1px);
}
.btn-nav::after { display: none !important; }
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  cursor: pointer;
  background: none;
  border: none;
}
.nav-hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--c-dark);
  border-radius: 2px;
  transition: var(--t-base);
}
.nav-mobile {
  display: none;
  position: fixed;
  inset: 0;
  background: var(--c-bg);
  z-index: 999;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--s-4);
}
.nav-mobile.open { display: flex; }
.nav-mobile a {
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--c-dark);
  transition: var(--t-fast);
}
.nav-mobile a:hover { color: var(--c-green); }
.nav-mobile .btn-nav-mobile {
  background: var(--c-green);
  color: white !important;
  font-size: 1rem;
  padding: 0.875rem 2.5rem;
  border-radius: var(--r-lg);
  margin-top: var(--s-2);
}
.nav-mobile-close {
  position: absolute;
  top: var(--s-4); right: var(--s-4);
  font-size: 1.25rem;
  background: none; border: none;
  cursor: pointer;
  color: var(--c-muted);
  padding: 8px;
  transition: var(--t-fast);
}
.nav-mobile-close:hover { color: var(--c-dark); }

/* ------------------------------------------------
   5. BUTTONS
   ------------------------------------------------ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  font-weight: 500;
  border-radius: var(--r-md);
  transition: var(--t-base);
  cursor: pointer;
  font-family: var(--f-body);
  text-decoration: none;
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn-primary {
  background: var(--c-green);
  color: white;
  padding: 0.875rem 1.75rem;
  font-size: 0.9375rem;
}
.btn-primary:hover {
  background: var(--c-green-h);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(26, 92, 56, 0.22);
}
.btn-secondary {
  background: transparent;
  color: var(--c-dark);
  padding: 0.875rem 1.75rem;
  border-color: var(--c-border);
  font-size: 0.9375rem;
}
.btn-secondary:hover {
  border-color: var(--c-dark);
  transform: translateY(-2px);
}
.btn-white {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  background: white;
  color: var(--c-green);
  padding: 0.9375rem 2rem;
  border-radius: var(--r-md);
  font-weight: 600;
  font-size: 0.9375rem;
  font-family: var(--f-body);
  transition: var(--t-base);
  cursor: pointer;
  border: none;
  text-decoration: none;
}
.btn-white:hover {
  background: var(--c-green-bg);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0,0,0,0.15);
}
.btn-lg { padding: 1.0625rem 2.25rem; font-size: 1rem; }
.btn-sm { padding: 0.5rem 1.25rem; font-size: 0.8125rem; }
.btn-arrow { font-size: 1.1em; transition: transform var(--t-base); }
.btn:hover .btn-arrow { transform: translateX(3px); }

/* ------------------------------------------------
   6. HERO (homepage)
   ------------------------------------------------ */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: calc(var(--s-16) + var(--s-6)) 0 var(--s-12);
  position: relative;
  overflow: hidden;
}
.hero-orb {
  position: absolute;
  border-radius: 50%;
  border: 1px solid var(--c-border);
  pointer-events: none;
  opacity: 0.5;
}
.hero-orb-1 {
  width: 600px; height: 600px;
  top: -150px; right: -100px;
}
.hero-orb-2 {
  width: 360px; height: 360px;
  top: 60px; right: 80px;
}
.hero-orb-3 {
  width: 160px; height: 160px;
  bottom: 15%; right: 25%;
  opacity: 0.3;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: var(--s-8);
  align-items: center;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.625rem;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--c-green);
  margin-bottom: var(--s-3);
}
.hero-eyebrow::before {
  content: '';
  display: inline-block;
  width: 24px; height: 2px;
  background: var(--c-green);
  border-radius: 2px;
}
.hero-title {
  font-family: var(--f-display);
  font-size: clamp(3.25rem, 6.5vw, 5.25rem);
  font-weight: 900;
  line-height: 1.0;
  letter-spacing: -0.025em;
  margin-bottom: var(--s-3);
}
.hero-title em {
  font-style: italic;
  color: var(--c-green);
}
.hero-desc {
  font-size: 1.0625rem;
  color: var(--c-muted);
  line-height: 1.75;
  max-width: 500px;
  margin-bottom: var(--s-4);
  font-weight: 300;
}
.hero-actions {
  display: flex;
  align-items: center;
  gap: var(--s-2);
  flex-wrap: wrap;
  margin-bottom: var(--s-6);
}
.hero-trust {
  display: flex;
  align-items: center;
  gap: var(--s-3);
  flex-wrap: wrap;
}
.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.8rem;
  color: var(--c-muted);
  font-weight: 500;
}
.hero-trust-item::before {
  content: '✓';
  color: var(--c-green);
  font-weight: 700;
  font-size: 0.75rem;
}

/* Hero right panel */
.hero-panel {
  display: grid;
  gap: var(--s-2);
}
.hero-card {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--r-lg);
  padding: var(--s-3) var(--s-4);
  transition: var(--t-base);
}
.hero-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(0,0,0,0.07);
}
.hero-card-num {
  font-family: var(--f-display);
  font-size: 2.75rem;
  font-weight: 900;
  line-height: 1;
  color: var(--c-green);
  margin-bottom: 0.25rem;
}
.hero-card-label {
  font-size: 0.8125rem;
  color: var(--c-muted);
  font-weight: 500;
}
.hero-card-sub {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s-2);
}
.hero-card-dark {
  background: var(--c-dark);
  border-color: var(--c-dark);
  padding: var(--s-3) var(--s-4);
}
.hero-card-dark .hero-card-label { color: rgba(255,255,255,0.5); }
.hero-card-features {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.hero-card-feature {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.85);
  font-weight: 500;
}
.hero-card-feature::before {
  content: '✓';
  color: var(--c-green);
  font-size: 0.8rem;
  font-weight: 700;
}

/* ------------------------------------------------
   7. TICKER
   ------------------------------------------------ */
.ticker {
  background: var(--c-dark);
  padding: 0.875rem 0;
  overflow: hidden;
}
.ticker-track {
  display: flex;
  width: max-content;
  animation: ticker 32s linear infinite;
}
.ticker:hover .ticker-track { animation-play-state: paused; }
.ticker-item {
  display: flex;
  align-items: center;
  gap: var(--s-4);
  padding: 0 var(--s-6);
  color: rgba(255,255,255,0.7);
  font-size: 0.8125rem;
  font-weight: 500;
  white-space: nowrap;
  letter-spacing: 0.02em;
}
.ticker-sep {
  width: 4px; height: 4px;
  border-radius: 50%;
  background: var(--c-green);
  flex-shrink: 0;
  margin: 0 var(--s-2);
}
@keyframes ticker {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

/* ------------------------------------------------
   8. SECTION LABELS & HEADINGS
   ------------------------------------------------ */
.section-label {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--c-green);
  margin-bottom: var(--s-2);
}
.section-label::before {
  content: '';
  display: inline-block;
  width: 16px; height: 2px;
  background: var(--c-green);
  border-radius: 2px;
}
.section-title {
  font-family: var(--f-display);
  font-size: clamp(2rem, 4vw, 3.125rem);
  font-weight: 900;
  letter-spacing: -0.02em;
  line-height: 1.1;
  margin-bottom: var(--s-2);
}
.section-title em { font-style: italic; color: var(--c-green); }
.section-subtitle {
  font-size: 1.0625rem;
  color: var(--c-muted);
  line-height: 1.75;
  max-width: 580px;
  font-weight: 300;
}

/* ------------------------------------------------
   9. PROCESS STEPS
   ------------------------------------------------ */
.steps-section { background: var(--c-white); }
.steps-header {
  text-align: center;
  max-width: 580px;
  margin: 0 auto var(--s-12);
}
.steps-header .section-subtitle { margin: 0 auto; }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  position: relative;
}
.steps-connector {
  position: absolute;
  top: 2.5rem;
  left: calc(16.66% + var(--s-4));
  right: calc(16.66% + var(--s-4));
  height: 1px;
  background: var(--c-border);
  pointer-events: none;
}
.step {
  padding: 0 var(--s-4);
  text-align: center;
}
.step-num {
  width: 5rem; height: 5rem;
  border-radius: 50%;
  background: var(--c-bg);
  border: 1.5px solid var(--c-border);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--s-4);
  font-family: var(--f-display);
  font-size: 1.25rem;
  font-weight: 900;
  color: var(--c-green);
  position: relative;
  z-index: 1;
  transition: var(--t-base);
}
.step:hover .step-num {
  background: var(--c-green);
  color: white;
  border-color: var(--c-green);
  transform: scale(1.08);
  box-shadow: 0 8px 24px rgba(26, 92, 56, 0.2);
}
.step-title {
  font-size: 1.0625rem;
  font-weight: 600;
  margin-bottom: var(--s-1);
}
.step-desc {
  font-size: 0.9rem;
  color: var(--c-muted);
  line-height: 1.65;
}

/* ------------------------------------------------
   10. BENTO GRID / BENEFITS
   ------------------------------------------------ */
.bento-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  grid-auto-rows: auto;
  gap: var(--s-2);
}
.bento-item {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--r-lg);
  padding: var(--s-4);
  transition: var(--t-base);
  cursor: default;
}
.bento-item:hover {
  border-color: rgba(26, 92, 56, 0.3);
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(0,0,0,0.06);
}
.bento-item.featured {
  grid-column: span 2;
  background: var(--c-green);
  border-color: var(--c-green);
}
.bento-item.featured .bento-icon   { color: rgba(255,255,255,0.45); }
.bento-item.featured .bento-title  { color: white; }
.bento-item.featured .bento-desc   { color: rgba(255,255,255,0.7); }
.bento-icon {
  font-size: 1.5rem;
  margin-bottom: var(--s-2);
  color: var(--c-green);
  display: block;
}
.bento-title {
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 0.375rem;
  line-height: 1.3;
}
.bento-desc {
  font-size: 0.875rem;
  color: var(--c-muted);
  line-height: 1.6;
}

/* ------------------------------------------------
   11. STATS (dark section)
   ------------------------------------------------ */
.stats-section {
  background: var(--c-dark);
  color: white;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}
.stat-item {
  padding: var(--s-6) var(--s-4);
  border-right: 1px solid rgba(255,255,255,0.07);
  text-align: center;
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: var(--f-display);
  font-size: clamp(2.5rem, 5vw, 4rem);
  font-weight: 900;
  color: white;
  line-height: 1;
  margin-bottom: var(--s-1);
}
.stat-num .accent { color: var(--c-green); }
.stat-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 500;
}

/* ------------------------------------------------
   12. TESTIMONIALS
   ------------------------------------------------ */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--s-3);
}
.testimonial-card {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--r-lg);
  padding: var(--s-4);
  transition: var(--t-base);
  display: flex;
  flex-direction: column;
}
.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(0,0,0,0.07);
  border-color: rgba(26, 92, 56, 0.25);
}
.testimonial-card.on-bg { background: var(--c-bg); }
.testimonial-stars {
  color: #E8971A;
  font-size: 0.875rem;
  letter-spacing: 1px;
  margin-bottom: var(--s-2);
}
.testimonial-quote-mark {
  font-family: var(--f-display);
  font-size: 3.5rem;
  color: var(--c-green-bg);
  line-height: 0.8;
  margin-bottom: var(--s-1);
}
.testimonial-text {
  font-size: 0.9375rem;
  line-height: 1.7;
  color: var(--c-dark);
  flex: 1;
  margin-bottom: var(--s-3);
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: var(--s-2);
  padding-top: var(--s-2);
  border-top: 1px solid var(--c-border);
}
.testimonial-avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--c-green-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 600;
  font-size: 0.8125rem;
  color: var(--c-green);
  flex-shrink: 0;
  letter-spacing: 0.02em;
}
.testimonial-name {
  font-weight: 600;
  font-size: 0.875rem;
  line-height: 1.3;
}
.testimonial-company {
  font-size: 0.8rem;
  color: var(--c-muted);
}

/* Large featured quote */
.quote-large {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--r-xl);
  padding: var(--s-8);
  text-align: center;
}
.quote-large-mark {
  font-family: var(--f-display);
  font-size: 5rem;
  color: var(--c-green-bg);
  line-height: 0.9;
  display: block;
  margin-bottom: var(--s-2);
}
.quote-large-text {
  font-family: var(--f-display);
  font-size: clamp(1.25rem, 2.5vw, 1.75rem);
  font-weight: 700;
  font-style: italic;
  line-height: 1.45;
  color: var(--c-dark);
  max-width: 680px;
  margin: 0 auto var(--s-4);
}

/* ------------------------------------------------
   13. CTA SECTION
   ------------------------------------------------ */
.cta-section { background: var(--c-green); color: white; }
.cta-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: var(--s-8);
  align-items: center;
}
.cta-title {
  font-family: var(--f-display);
  font-size: clamp(1.875rem, 4vw, 3rem);
  font-weight: 900;
  line-height: 1.1;
  margin-bottom: var(--s-2);
}
.cta-desc {
  font-size: 1rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.65;
  max-width: 520px;
}
.cta-right {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.625rem;
  white-space: nowrap;
}
.cta-note {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.45);
  text-align: center;
}

/* ------------------------------------------------
   14. FAQ ACCORDION
   ------------------------------------------------ */
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--c-border); }
.faq-question {
  width: 100%;
  text-align: left;
  padding: var(--s-3) 0;
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--c-dark);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--s-3);
  background: none;
  border: none;
  font-family: var(--f-body);
  transition: color var(--t-fast);
}
.faq-question:hover { color: var(--c-green); }
.faq-icon {
  width: 28px; height: 28px;
  border: 1.5px solid var(--c-border);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 0.875rem;
  transition: var(--t-base);
  color: var(--c-muted);
  line-height: 1;
}
.faq-item.open .faq-icon {
  background: var(--c-green);
  border-color: var(--c-green);
  color: white;
  transform: rotate(45deg);
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.45s cubic-bezier(0.4, 0, 0.2, 1);
}
.faq-answer-inner {
  padding-bottom: var(--s-3);
  font-size: 0.9375rem;
  color: var(--c-muted);
  line-height: 1.75;
}

/* ------------------------------------------------
   15. FORM
   ------------------------------------------------ */
.form-page-layout {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: var(--s-8);
  align-items: start;
}
.form-card {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--r-xl);
  padding: var(--s-6);
}
.form-section-heading {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--c-muted);
  margin-bottom: var(--s-3);
  padding-bottom: var(--s-1);
  border-bottom: 1px solid var(--c-border);
  margin-top: var(--s-4);
}
.form-section-heading:first-child { margin-top: 0; }
.form-group { margin-bottom: var(--s-3); }
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s-3);
}
label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--c-dark);
  margin-bottom: 0.375rem;
  letter-spacing: 0.01em;
}
input[type="text"],
input[type="email"],
input[type="tel"],
input[type="number"],
textarea,
select {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--c-border);
  border-radius: var(--r-sm);
  font-family: var(--f-body);
  font-size: 0.9375rem;
  color: var(--c-dark);
  background: var(--c-bg);
  transition: border-color var(--t-fast), box-shadow var(--t-fast), background var(--t-fast);
  -webkit-appearance: none;
  appearance: none;
}
input:focus, textarea:focus, select:focus {
  outline: none;
  border-color: var(--c-green);
  background: var(--c-white);
  box-shadow: 0 0 0 3px rgba(26, 92, 56, 0.09);
}
input.is-error, textarea.is-error {
  border-color: #C0392B;
  background: #FEF8F8;
}
.field-error {
  font-size: 0.78rem;
  color: #C0392B;
  margin-top: 0.3rem;
  display: none;
}
.field-error.visible { display: block; }
textarea { resize: vertical; min-height: 120px; }
select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236B6560' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
  cursor: pointer;
}
.form-checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  cursor: pointer;
}
.form-checkbox-group input[type="checkbox"] {
  width: 18px; height: 18px;
  min-width: 18px;
  border-radius: 4px;
  border: 1.5px solid var(--c-border);
  background: var(--c-bg);
  cursor: pointer;
  margin-top: 1px;
  accent-color: var(--c-green);
  padding: 0;
}
.form-checkbox-group input[type="checkbox"]:focus {
  box-shadow: 0 0 0 3px rgba(26, 92, 56, 0.09);
}
.form-checkbox-label {
  font-size: 0.875rem;
  color: var(--c-muted);
  line-height: 1.55;
  cursor: pointer;
  font-weight: 400;
}
.form-checkbox-label a { color: var(--c-green); text-decoration: underline; }
.form-note {
  font-size: 0.8rem;
  color: var(--c-muted);
  margin-top: var(--s-1);
  line-height: 1.5;
}
.form-submit { width: 100%; margin-top: var(--s-4); font-size: 1rem; padding: 1rem; border-radius: var(--r-md); }
.form-success {
  display: none;
  text-align: center;
  padding: var(--s-8) var(--s-4);
}
.form-success.visible { display: block; }
.success-circle {
  width: 72px; height: 72px;
  border-radius: 50%;
  background: var(--c-green-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--s-3);
  font-size: 2rem;
}
.form-sidebar {
  position: sticky;
  top: 7rem;
  display: flex;
  flex-direction: column;
  gap: var(--s-3);
}
.sidebar-card {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--r-lg);
  padding: var(--s-4);
}
.sidebar-card-title {
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--c-muted);
  margin-bottom: var(--s-2);
}

/* ------------------------------------------------
   16. INNER PAGE HERO
   ------------------------------------------------ */
.page-hero {
  padding: calc(var(--s-16) + var(--s-4)) 0 var(--s-12);
  background: var(--c-white);
  border-bottom: 1px solid var(--c-border);
}
.page-hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--c-green);
  margin-bottom: var(--s-2);
}
.page-hero-eyebrow::before {
  content: '';
  display: inline-block;
  width: 16px; height: 2px;
  background: var(--c-green);
  border-radius: 2px;
}
.page-hero-title {
  font-family: var(--f-display);
  font-size: clamp(2.25rem, 5vw, 3.75rem);
  font-weight: 900;
  letter-spacing: -0.025em;
  line-height: 1.1;
  margin-bottom: var(--s-3);
  max-width: 740px;
}
.page-hero-title em { font-style: italic; color: var(--c-green); }
.page-hero-desc {
  font-size: 1.0625rem;
  color: var(--c-muted);
  max-width: 600px;
  line-height: 1.75;
  margin-bottom: var(--s-4);
  font-weight: 300;
}
.page-hero-actions {
  display: flex;
  align-items: center;
  gap: var(--s-2);
  flex-wrap: wrap;
}

/* ------------------------------------------------
   17. INFO / FEATURE CARDS
   ------------------------------------------------ */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--s-3);
}
.feature-card {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--r-lg);
  padding: var(--s-4);
  transition: var(--t-base);
}
.feature-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 32px rgba(0,0,0,0.06);
  border-color: rgba(26, 92, 56, 0.25);
}
.feature-icon {
  width: 48px; height: 48px;
  background: var(--c-green-bg);
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  margin-bottom: var(--s-2);
}
.feature-title {
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 0.5rem;
}
.feature-desc {
  font-size: 0.875rem;
  color: var(--c-muted);
  line-height: 1.65;
}

/* ------------------------------------------------
   18. HIGHLIGHT / CALLOUT
   ------------------------------------------------ */
.callout {
  background: var(--c-green-bg);
  border: 1px solid rgba(26, 92, 56, 0.15);
  border-radius: var(--r-lg);
  padding: var(--s-4) var(--s-4);
  font-size: 0.9375rem;
  line-height: 1.7;
  color: var(--c-dark);
}
.callout strong { color: var(--c-green); }
.check-list {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.9375rem;
  color: var(--c-dark);
  line-height: 1.55;
}
.check-list li::before {
  content: '✓';
  color: var(--c-green);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 0.1rem;
  font-size: 0.9rem;
}
.tag {
  display: inline-flex;
  align-items: center;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  padding: 0.2rem 0.65rem;
  border-radius: 100px;
  background: var(--c-green-bg);
  color: var(--c-green);
}

/* ------------------------------------------------
   19. LOAN PAGE SPECIFICS
   ------------------------------------------------ */
.loan-compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s-3);
}
.loan-card {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--r-lg);
  padding: var(--s-4);
  transition: var(--t-base);
}
.loan-card.highlighted {
  border-color: var(--c-green);
  background: var(--c-green);
  color: white;
}
.loan-card.highlighted .loan-label { color: rgba(255,255,255,0.6); }
.loan-card.highlighted .loan-desc  { color: rgba(255,255,255,0.75); }
.loan-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--c-muted);
  margin-bottom: var(--s-1);
}
.loan-value {
  font-family: var(--f-display);
  font-size: 2.25rem;
  font-weight: 900;
  line-height: 1;
  margin-bottom: 0.25rem;
}
.loan-desc {
  font-size: 0.875rem;
  color: var(--c-muted);
}

/* ------------------------------------------------
   20. PRIVACY POLICY
   ------------------------------------------------ */
.policy-content { max-width: 740px; }
.policy-content h2 {
  font-size: 1.375rem;
  font-weight: 700;
  margin: var(--s-6) 0 var(--s-2);
  color: var(--c-dark);
  font-family: var(--f-display);
}
.policy-content h3 {
  font-size: 1.0625rem;
  font-weight: 600;
  margin: var(--s-3) 0 var(--s-1);
}
.policy-content p {
  font-size: 0.9375rem;
  color: var(--c-muted);
  line-height: 1.75;
  margin-bottom: var(--s-2);
}
.policy-content ul {
  list-style: disc;
  padding-left: 1.5rem;
  margin-bottom: var(--s-2);
}
.policy-content ul li {
  font-size: 0.9375rem;
  color: var(--c-muted);
  line-height: 1.65;
  margin-bottom: 0.3rem;
}
.policy-content a { color: var(--c-green); text-decoration: underline; }
.policy-meta {
  background: var(--c-white);
  border: 1px solid var(--c-border);
  border-radius: var(--r-lg);
  padding: var(--s-3) var(--s-4);
  font-size: 0.875rem;
  color: var(--c-muted);
  margin-bottom: var(--s-6);
}

/* ------------------------------------------------
   21. FOOTER
   ------------------------------------------------ */
.footer {
  background: var(--c-dark);
  color: rgba(255,255,255,0.55);
  padding: var(--s-12) 0 var(--s-4);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--s-8);
  padding-bottom: var(--s-8);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  margin-bottom: var(--s-4);
}
.footer-logo {
  font-family: var(--f-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: white;
  letter-spacing: -0.02em;
  margin-bottom: var(--s-2);
  display: block;
}
.footer-logo span { color: var(--c-green); }
.footer-tagline {
  font-size: 0.875rem;
  line-height: 1.7;
  max-width: 280px;
  margin-bottom: var(--s-3);
}
.footer-col-title {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.3);
  margin-bottom: var(--s-2);
}
.footer-col a {
  display: block;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.55);
  padding: 0.3rem 0;
  transition: color var(--t-fast);
}
.footer-col a:hover { color: white; }
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.8rem;
}
.footer-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  background: rgba(255,255,255,0.05);
  padding: 0.3rem 0.75rem;
  border-radius: 100px;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
  border: 1px solid rgba(255,255,255,0.07);
}

/* ------------------------------------------------
   22. REVEAL ANIMATIONS
   ------------------------------------------------ */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.65s cubic-bezier(0.4, 0, 0.2, 1),
              transform 0.65s cubic-bezier(0.4, 0, 0.2, 1);
}
.reveal.visible { opacity: 1; transform: none; }
.reveal-d1 { transition-delay: 0.08s; }
.reveal-d2 { transition-delay: 0.16s; }
.reveal-d3 { transition-delay: 0.24s; }
.reveal-d4 { transition-delay: 0.32s; }

/* ------------------------------------------------
   23. UTILITIES
   ------------------------------------------------ */
.text-center  { text-align: center; }
.text-right   { text-align: right; }
.text-muted   { color: var(--c-muted); }
.text-green   { color: var(--c-green); }
.text-white   { color: white; }
.text-sm      { font-size: 0.875rem; }
.text-xs      { font-size: 0.8rem; }
.font-display { font-family: var(--f-display); }
.font-light   { font-weight: 300; }
.font-medium  { font-weight: 500; }
.font-semi    { font-weight: 600; }
.mt-1 { margin-top: var(--s-1); }
.mt-2 { margin-top: var(--s-2); }
.mt-3 { margin-top: var(--s-3); }
.mt-4 { margin-top: var(--s-4); }
.mt-6 { margin-top: var(--s-6); }
.mt-8 { margin-top: var(--s-8); }
.mb-1 { margin-bottom: var(--s-1); }
.mb-2 { margin-bottom: var(--s-2); }
.mb-3 { margin-bottom: var(--s-3); }
.mb-4 { margin-bottom: var(--s-4); }
.mb-6 { margin-bottom: var(--s-6); }
.mb-8 { margin-bottom: var(--s-8); }
.bg-white   { background: var(--c-white); }
.bg-alt     { background: var(--c-bg); }
.bg-dark    { background: var(--c-dark); }
.bg-green   { background: var(--c-green); }
.divider    { width: 100%; height: 1px; background: var(--c-border); }
.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

/* ------------------------------------------------
   24. RESPONSIVE
   ------------------------------------------------ */
@media (max-width: 1100px) {
  .hero-grid         { grid-template-columns: 1fr; }
  .hero-panel        { display: none; }
  .stats-grid        { grid-template-columns: repeat(2, 1fr); }
  .stats-grid .stat-item:nth-child(2n) { border-right: none; }
  .stats-grid .stat-item:nth-child(n+3) { border-top: 1px solid rgba(255,255,255,0.07); }
  .footer-grid       { grid-template-columns: 1fr 1fr; gap: var(--s-6); }
  .form-page-layout  { grid-template-columns: 1fr; }
  .form-sidebar      { position: static; display: grid; grid-template-columns: 1fr 1fr; }
  .feature-grid      { grid-template-columns: repeat(2, 1fr); }
  .bento-grid        { grid-template-columns: repeat(2, 1fr); }
  .bento-item.featured { grid-column: span 2; }
  .loan-compare      { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  :root {
    --s-8:  3rem;
    --s-12: 4rem;
    --s-16: 5rem;
  }
  .nav-links    { display: none; }
  .nav-hamburger { display: flex; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .steps-grid   { grid-template-columns: 1fr; }
  .steps-connector { display: none; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .bento-grid   { grid-template-columns: 1fr; }
  .bento-item.featured { grid-column: span 1; }
  .cta-inner    { grid-template-columns: 1fr; }
  .cta-right    { align-items: flex-start; }
  .hero-actions { flex-direction: column; align-items: flex-start; }
  .footer-grid  { grid-template-columns: 1fr; gap: var(--s-4); }
  .footer-bottom { flex-direction: column; gap: var(--s-2); text-align: center; }
  .form-row     { grid-template-columns: 1fr; }
  .form-card    { padding: var(--s-4); }
  .form-sidebar { grid-template-columns: 1fr; }
  .feature-grid { grid-template-columns: 1fr; }
  .stats-grid   { grid-template-columns: 1fr 1fr; }
  .page-hero-actions { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 480px) {
  .container   { padding: 0 var(--s-2); }
  .stats-grid  { grid-template-columns: 1fr; }
  .stats-grid .stat-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.07); }
}