/* =================================================================
   LINIE DE CREDIT IFN — Fintech Dark Theme
   Professional credit line platform design
   ================================================================= */

/* ===== Design Tokens ===== */
:root {
    /* Primary: Cyan/Teal — trust, technology */
    --primary: #06B6D4;
    --primary-dark: #0891B2;
    --primary-darker: #0E7490;
    --primary-light: #22D3EE;
    --primary-glow: rgba(6, 182, 212, 0.2);

    /* Accent: Green — money, success, CTA */
    --accent: #22C55E;
    --accent-hover: #16A34A;
    --accent-light: #4ADE80;
    --accent-glow: rgba(34, 197, 94, 0.2);

    /* Backgrounds */
    --bg-body: #020817;
    --bg-dark: #0F172A;
    --bg-card: #1E293B;
    --bg-surface: #334155;
    --bg-glass: rgba(15, 23, 42, 0.8);
    --bg-glass-light: rgba(30, 41, 59, 0.6);

    /* Text */
    --text-white: #F1F5F9;
    --text-gray: #94A3B8;
    --text-muted: #64748B;

    /* Borders */
    --border: rgba(148, 163, 184, 0.12);
    --border-light: rgba(148, 163, 184, 0.08);
    --border-glow: rgba(6, 182, 212, 0.3);

    /* Shadows */
    --shadow: 0 4px 16px rgba(0, 0, 0, 0.3);
    --shadow-lg: 0 8px 32px rgba(0, 0, 0, 0.4);
    --shadow-xl: 0 16px 48px rgba(0, 0, 0, 0.5);
    --shadow-glow: 0 0 24px var(--primary-glow);
    --shadow-accent: 0 0 24px var(--accent-glow);

    /* Misc */
    --radius: 12px;
    --radius-lg: 20px;
    --radius-xl: 24px;
    --transition: 0.3s ease;
}

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

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

body {
    font-family: 'Inter', sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: var(--text-white);
    background: var(--bg-body);
    overflow-x: hidden;
}

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

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

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

::selection {
    background: var(--primary);
    color: var(--bg-body);
}

/* Screen reader only — visible to SEO/accessibility, hidden visually */
.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;
}

/* Headings use Space Grotesk */
h1, h2, h3, h4, h5, h6,
.section-title,
.calculator-title,
.card-limit-amount,
.trust-number,
.slider-value,
.summary-value,
.offer-name,
.modal-title,
.loading-title,
.card-brand-ifn,
.logo-credit {
    font-family: 'Space Grotesk', 'Inter', sans-serif;
}

/* ===== Container ===== */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* ===== Buttons ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 28px;
    border: none;
    border-radius: 50px;
    font-family: 'Inter', sans-serif;
    font-size: 16px;
    font-weight: 700;
    cursor: pointer;
    transition: all var(--transition);
    text-decoration: none;
    white-space: nowrap;
    position: relative;
}

.btn:hover {
    transform: translateY(-2px);
}

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

.btn-accent {
    background: linear-gradient(135deg, var(--accent), #059669);
    color: #fff;
    box-shadow: 0 4px 16px var(--accent-glow);
}

.btn-accent:hover {
    box-shadow: 0 6px 24px rgba(34, 197, 94, 0.4);
    background: linear-gradient(135deg, var(--accent-light), var(--accent));
}

.btn-white {
    background: rgba(255, 255, 255, 0.1);
    color: var(--text-white);
    border: 1px solid rgba(255, 255, 255, 0.2);
    backdrop-filter: blur(8px);
}

.btn-white:hover {
    background: rgba(255, 255, 255, 0.2);
    border-color: rgba(255, 255, 255, 0.3);
}

.btn-primary {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: #fff;
    box-shadow: 0 4px 16px var(--primary-glow);
}

.btn-primary:hover {
    box-shadow: 0 6px 24px rgba(6, 182, 212, 0.4);
}

.btn-outline {
    background: transparent;
    color: var(--primary-light);
    border: 2px solid var(--primary);
}

.btn-outline:hover {
    background: var(--primary);
    color: #fff;
}

.btn-lg {
    padding: 16px 36px;
    font-size: 18px;
}

.btn-full {
    width: 100%;
}

.btn-arrow {
    font-size: 20px;
    transition: transform var(--transition);
}

.btn:hover .btn-arrow {
    transform: translateX(4px);
}

/* ===== Header ===== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(2, 8, 23, 0.85);
    backdrop-filter: blur(16px);
    border-bottom: 1px solid var(--border);
    transition: all var(--transition);
}

.header.scrolled {
    background: rgba(2, 8, 23, 0.95);
    border-bottom-color: var(--border-glow);
    box-shadow: 0 0 20px rgba(6, 182, 212, 0.08);
}

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

.logo {
    display: inline-flex;
    align-items: flex-end;
    gap: 1px;
    text-decoration: none;
}

.logo-icon {
    display: none;
}

.logo-text {
    display: flex;
    flex-wrap: wrap;
    line-height: 1;
}

.logo-main {
    display: contents;
}

.logo-line {
    font-family: 'Space Grotesk', sans-serif;
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--text-muted);
    letter-spacing: -0.3px;
    line-height: 1;
    margin-right: 4px;
}

.logo-credit {
    font-family: 'Space Grotesk', sans-serif;
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--primary-light);
    letter-spacing: -0.3px;
    line-height: 1;
}

.logo-ifn {
    font-family: 'Space Grotesk', sans-serif;
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--accent);
    letter-spacing: -0.3px;
    line-height: 1;
    margin-left: 4px;
}

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

.nav a {
    font-size: 14px;
    font-weight: 600;
    color: var(--text-gray);
    transition: color var(--transition);
}

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

.header-cta {
    padding: 10px 24px;
    font-size: 14px;
}

.hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}

.hamburger span {
    width: 24px;
    height: 2.5px;
    background: var(--text-gray);
    border-radius: 2px;
    transition: all var(--transition);
}

.hamburger.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.hamburger.active span:nth-child(2) {
    opacity: 0;
}

.hamburger.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

/* Mobile Nav */
.mobile-nav {
    display: none;
    position: fixed;
    top: 56px;
    left: 0;
    right: 0;
    background: rgba(15, 23, 42, 0.98);
    backdrop-filter: blur(16px);
    padding: 16px 20px;
    flex-direction: column;
    gap: 10px;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-lg);
    z-index: 999;
    max-height: calc(100vh - 56px);
    overflow-y: auto;
}

.mobile-nav a {
    font-size: 15px;
    padding: 10px 0;
    border-bottom: 1px solid var(--border);
}

.mobile-nav a:last-of-type {
    border-bottom: none;
}

.mobile-nav .btn {
    margin-top: 6px;
}

.mobile-nav.active {
    display: flex;
}

.mobile-nav a {
    font-size: 16px;
    font-weight: 600;
    color: var(--text-gray);
    padding: 8px 0;
}

.mobile-nav a:hover {
    color: var(--primary-light);
}

/* ===== Hero ===== */
.hero {
    position: relative;
    background: var(--bg-body);
    padding: 120px 0 80px;
    overflow: hidden;
    min-height: 100vh;
    display: flex;
    align-items: center;
}

/* Tech grid background */
.hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(circle at 1px 1px, rgba(6, 182, 212, 0.08) 1px, transparent 0);
    background-size: 48px 48px;
    z-index: 0;
}

/* Gradient overlay */
.hero::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background:
        radial-gradient(ellipse 80% 60% at 20% 40%, rgba(6, 182, 212, 0.12) 0%, transparent 60%),
        radial-gradient(ellipse 60% 50% at 80% 60%, rgba(34, 197, 94, 0.08) 0%, transparent 60%);
    z-index: 0;
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero-text {
    color: var(--text-white);
}

.hero-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 24px;
}

.badge {
    display: inline-block;
    padding: 6px 14px;
    background: rgba(6, 182, 212, 0.1);
    border: 1px solid rgba(6, 182, 212, 0.25);
    border-radius: 50px;
    font-size: 13px;
    font-weight: 600;
    color: var(--primary-light);
}

.hero h1 {
    font-size: clamp(32px, 5vw, 48px);
    font-weight: 900;
    line-height: 1.15;
    margin-bottom: 20px;
    color: var(--text-white);
}

.text-accent {
    background: linear-gradient(135deg, var(--primary-light), var(--accent-light));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-label {
    display: inline-block;
    padding: 8px 20px;
    background: rgba(6, 182, 212, 0.08);
    border: 1px solid rgba(6, 182, 212, 0.15);
    border-radius: 50px;
    font-size: 12px;
    font-weight: 700;
    color: var(--primary-light);
    letter-spacing: 1px;
    margin-bottom: 20px;
}

.hero-subtitle {
    font-size: 17px;
    line-height: 1.7;
    color: var(--text-gray);
    max-width: 500px;
}

.hero-subtitle strong {
    color: var(--text-white);
}

.hero-usps {
    display: grid;
    grid-template-columns: repeat(3, auto);
    gap: 8px 16px;
    margin-top: 24px;
}

.hero-usp {
    font-size: 14px;
    font-weight: 600;
    color: var(--text-gray);
}

.hero-trust {
    display: flex;
    gap: 20px;
    margin-top: 20px;
    padding-top: 20px;
    border-top: 1px solid var(--border);
    flex-wrap: wrap;
}

.hero-trust span {
    font-size: 13px;
    font-weight: 600;
    color: var(--text-muted);
}

/* Floating orbs */
.bubble, .orb {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
    z-index: 1;
}

.bubble-1, .orb-1 {
    width: 300px; height: 300px;
    background: radial-gradient(circle, rgba(6, 182, 212, 0.15), transparent 70%);
    top: 10%; left: -5%;
    animation: float 12s ease-in-out infinite;
    font-size: 0; color: transparent;
}

.bubble-2, .orb-2 {
    width: 200px; height: 200px;
    background: radial-gradient(circle, rgba(34, 197, 94, 0.1), transparent 70%);
    top: 60%; left: 15%;
    animation: float 15s ease-in-out infinite reverse;
    font-size: 0; color: transparent;
}

.bubble-3, .orb-3 {
    width: 250px; height: 250px;
    background: radial-gradient(circle, rgba(6, 182, 212, 0.1), transparent 70%);
    top: 20%; right: 5%;
    animation: float 18s ease-in-out infinite;
    font-size: 0; color: transparent;
}

.bubble-4, .orb-4 {
    width: 180px; height: 180px;
    background: radial-gradient(circle, rgba(34, 197, 94, 0.08), transparent 70%);
    bottom: 15%; right: 20%;
    animation: float 14s ease-in-out infinite reverse;
    font-size: 0; color: transparent;
}

.bubble-5, .orb-5 {
    width: 150px; height: 150px;
    background: radial-gradient(circle, rgba(6, 182, 212, 0.12), transparent 70%);
    top: 50%; left: 45%;
    animation: float 16s ease-in-out infinite;
    font-size: 0; color: transparent;
}

@keyframes float {
    0%, 100% { transform: translate(0, 0) scale(1); }
    25% { transform: translate(20px, -30px) scale(1.05); }
    50% { transform: translate(-15px, 20px) scale(0.95); }
    75% { transform: translate(25px, 15px) scale(1.03); }
}

/* ===== Calculator Card with Credit Card Design ===== */
.calculator-card {
    background: transparent;
    padding: 0;
    max-width: 440px;
    margin: 0 auto;
}

/* Credit Card Visual */
.credit-card {
    position: relative;
    width: 100%;
    aspect-ratio: 1.6 / 1;
    border-radius: 20px;
    overflow: hidden;
    background: linear-gradient(135deg, #0c1a3a 0%, #0a2540 30%, #0d3b5c 60%, #0a4a3a 100%);
    box-shadow:
        0 20px 60px rgba(0, 0, 0, 0.5),
        0 0 40px rgba(6, 182, 212, 0.1),
        inset 0 1px 0 rgba(255, 255, 255, 0.08);
    margin-bottom: 28px;
    cursor: default;
    transition: transform 0.4s ease, box-shadow 0.4s ease;
}

.credit-card:hover {
    transform: perspective(800px) rotateY(-5deg) rotateX(3deg) scale(1.02);
    box-shadow:
        0 30px 80px rgba(0, 0, 0, 0.6),
        0 0 60px rgba(6, 182, 212, 0.15),
        inset 0 1px 0 rgba(255, 255, 255, 0.1);
}

/* Holographic shine */
.credit-card-shine {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        105deg,
        transparent 30%,
        rgba(6, 182, 212, 0.06) 45%,
        rgba(34, 197, 94, 0.04) 50%,
        rgba(6, 182, 212, 0.06) 55%,
        transparent 70%
    );
    z-index: 1;
    pointer-events: none;
    animation: cardShine 6s ease-in-out infinite;
}

@keyframes cardShine {
    0%, 100% { opacity: 0.5; transform: translateX(-30%); }
    50% { opacity: 1; transform: translateX(30%); }
}

/* Card pattern overlay */
.credit-card::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse at 80% 20%, rgba(6, 182, 212, 0.12) 0%, transparent 50%),
        radial-gradient(ellipse at 20% 80%, rgba(34, 197, 94, 0.08) 0%, transparent 50%);
    z-index: 0;
}

/* Card inner content */
.credit-card-inner {
    position: relative;
    z-index: 2;
    padding: 28px 28px 22px;
    height: 100%;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

/* Card top: chip + contactless */
.card-top {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
}

.card-chip {
    width: 45px;
    height: 34px;
    border-radius: 6px;
    background: linear-gradient(135deg, #c9a84c, #f0d68a, #c9a84c);
    position: relative;
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.3);
    overflow: hidden;
    display: grid;
    grid-template-columns: 1fr 1fr;
    grid-template-rows: 1fr 1fr;
    gap: 1px;
    padding: 4px;
}

.chip-line {
    border-radius: 2px;
    background: linear-gradient(135deg, #b8942e, #dfc05a);
    border: 0.5px solid rgba(150, 120, 40, 0.4);
}

.card-contactless {
    opacity: 0.6;
    transform: rotate(90deg);
}

/* Card limit */
.card-limit-label {
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 2px;
    color: rgba(255, 255, 255, 0.4);
    text-transform: uppercase;
    margin-top: 2px;
}

.card-limit-amount {
    font-size: clamp(28px, 5vw, 36px);
    font-weight: 900;
    color: #fff;
    text-shadow: 0 0 30px rgba(6, 182, 212, 0.4);
    letter-spacing: 1px;
    line-height: 1;
}

/* Card details row */
.card-details {
    display: flex;
    gap: 20px;
}

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

.card-detail-label {
    font-size: 8px;
    font-weight: 700;
    letter-spacing: 1.5px;
    color: rgba(255, 255, 255, 0.35);
    text-transform: uppercase;
}

.card-detail-value {
    font-size: 14px;
    font-weight: 800;
    color: rgba(255, 255, 255, 0.85);
}

/* Card bottom */
.card-bottom {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
}

.card-number {
    font-size: 13px;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.3);
    letter-spacing: 3px;
    font-family: 'Space Grotesk', 'Courier New', monospace;
}

.card-number span {
    color: rgba(255, 255, 255, 0.6);
}

.card-brand {
    text-align: right;
    line-height: 1;
}

.card-brand-text {
    display: block;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.5px;
    color: rgba(255, 255, 255, 0.5);
}

.card-brand-ifn {
    font-size: 20px;
    font-weight: 900;
    background: linear-gradient(135deg, var(--primary-light), var(--accent));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

/* Card Sliders */
.card-sliders {
    margin-bottom: 20px;
}

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

.slider-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 10px;
}

.slider-header label {
    font-size: 14px;
    font-weight: 700;
    color: var(--text-gray);
}

.slider-value {
    font-size: 22px;
    font-weight: 900;
    color: var(--primary-light);
}

/* Range Slider */
.range-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: var(--bg-surface);
    outline: none;
    cursor: pointer;
}

.range-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary-light), var(--primary));
    cursor: pointer;
    border: 3px solid var(--bg-body);
    box-shadow: 0 0 16px var(--primary-glow), 0 2px 8px rgba(0,0,0,0.3);
    transition: transform 0.15s ease, box-shadow 0.15s ease;
}

.range-slider::-webkit-slider-thumb:hover {
    transform: scale(1.2);
    box-shadow: 0 0 24px rgba(6, 182, 212, 0.5), 0 2px 8px rgba(0,0,0,0.3);
}

.range-slider::-moz-range-thumb {
    width: 26px;
    height: 26px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary-light), var(--primary));
    cursor: pointer;
    border: 3px solid var(--bg-body);
    box-shadow: 0 0 16px var(--primary-glow);
}

.slider-limits {
    display: flex;
    justify-content: space-between;
    margin-top: 6px;
    font-size: 12px;
    color: var(--text-muted);
}

/* Calculator Summary / Cost Examples */
.calculator-summary {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-bottom: 20px;
    padding: 14px;
    background: rgba(6, 182, 212, 0.05);
    border: 1px solid rgba(6, 182, 212, 0.1);
    border-radius: var(--radius);
}

.calculator-summary.cost-examples {
    grid-template-columns: repeat(3, 1fr);
}

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

.summary-label {
    display: block;
    font-size: 10px;
    color: var(--text-muted);
    margin-bottom: 4px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.summary-value {
    display: block;
    font-size: 17px;
    font-weight: 800;
    color: var(--primary-light);
}

.summary-value.total {
    color: var(--accent-light);
}

/* Calc feature cards */
.calc-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-bottom: 20px;
}

.calc-feature {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 12px 14px;
    background: rgba(6, 182, 212, 0.04);
    border: 1px solid var(--border);
    border-radius: 12px;
}

.calc-feature-icon {
    font-size: 20px;
    flex-shrink: 0;
}

.calc-feature-text {
    display: flex;
    flex-direction: column;
    gap: 1px;
    min-width: 0;
}

.calc-feature-text strong {
    font-size: 14px;
    font-weight: 800;
    color: var(--text-white);
    font-family: 'Space Grotesk', sans-serif;
}

.calc-feature-text span {
    font-size: 11px;
    color: var(--text-muted);
}

.calculator-disclaimer {
    margin-top: 14px;
    font-size: 11px;
    color: var(--text-muted);
    text-align: center;
    line-height: 1.5;
}

.calculator-disclaimer a {
    color: var(--primary);
}

/* ===== Trust Section ===== */
.trust-section {
    background: var(--bg-dark);
    padding: 40px 0;
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
}

.trust-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
    text-align: center;
}

.trust-number {
    display: block;
    font-size: 32px;
    font-weight: 900;
    background: linear-gradient(135deg, var(--primary-light), var(--accent-light));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    margin-bottom: 4px;
}

.trust-label {
    font-size: 14px;
    color: var(--text-muted);
    font-weight: 600;
}

/* ===== Sections ===== */
.section {
    padding: 80px 0;
    position: relative;
}

.section-gray {
    background: var(--bg-dark);
}

.section-title {
    font-size: clamp(28px, 4vw, 36px);
    font-weight: 900;
    color: var(--text-white);
    text-align: center;
    margin-bottom: 12px;
}

.section-subtitle {
    font-size: 17px;
    color: var(--text-muted);
    text-align: center;
    margin-bottom: 48px;
}

/* ===== Steps (How It Works) ===== */
.steps-grid {
    display: flex;
    align-items: flex-start;
    justify-content: center;
    gap: 16px;
}

.step-card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 32px 24px;
    text-align: center;
    flex: 1;
    max-width: 260px;
    transition: all var(--transition);
}

.step-card:hover {
    transform: translateY(-4px);
    border-color: var(--border-glow);
    box-shadow: var(--shadow-glow);
}

.step-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: white;
    font-weight: 800;
    font-size: 16px;
    margin-bottom: 12px;
    box-shadow: 0 0 16px var(--primary-glow);
}

.step-icon {
    font-size: 40px;
    margin-bottom: 16px;
}

.step-card h3 {
    font-size: 17px;
    font-weight: 800;
    color: var(--text-white);
    margin-bottom: 10px;
}

.step-card p {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.6;
}

.step-arrow {
    font-size: 28px;
    color: var(--primary);
    font-weight: 800;
    margin-top: 60px;
    opacity: 0.4;
}

/* ===== Benefits ===== */
.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.benefit-card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 32px;
    transition: all var(--transition);
}

.benefit-card:hover {
    transform: translateY(-4px);
    border-color: var(--border-glow);
    box-shadow: var(--shadow-glow);
}

.benefit-icon {
    font-size: 40px;
    margin-bottom: 16px;
}

.benefit-card h3 {
    font-size: 18px;
    font-weight: 800;
    color: var(--text-white);
    margin-bottom: 10px;
}

.benefit-card p {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.7;
}

/* ===== CTA Strip ===== */
.cta-strip {
    background: linear-gradient(135deg, rgba(6, 182, 212, 0.15), rgba(34, 197, 94, 0.1));
    border-top: 1px solid rgba(6, 182, 212, 0.15);
    border-bottom: 1px solid rgba(6, 182, 212, 0.15);
    padding: 60px 0;
    text-align: center;
    position: relative;
}

.cta-strip h2 {
    font-size: clamp(24px, 4vw, 36px);
    font-weight: 900;
    color: var(--text-white);
    margin-bottom: 12px;
}

.cta-strip p {
    font-size: 17px;
    color: var(--text-gray);
    margin-bottom: 28px;
}

/* ===== Conditions ===== */
.conditions-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.condition-card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 28px;
    text-align: center;
    transition: all var(--transition);
}

.condition-card:hover {
    transform: translateY(-4px);
    border-color: var(--border-glow);
}

.condition-icon {
    font-size: 40px;
    margin-bottom: 12px;
}

.condition-card h3 {
    font-size: 16px;
    font-weight: 800;
    color: var(--text-white);
    margin-bottom: 8px;
}

.condition-card p {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ===== Reviews ===== */
.reviews-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.review-card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 32px;
}

.review-stars {
    color: var(--accent);
    font-size: 20px;
    margin-bottom: 16px;
    letter-spacing: 2px;
}

.review-text {
    font-size: 15px;
    color: var(--text-gray);
    line-height: 1.7;
    margin-bottom: 20px;
    font-style: italic;
}

.review-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.review-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 18px;
}

.review-author strong {
    display: block;
    font-size: 15px;
    color: var(--text-white);
}

.review-author span {
    font-size: 13px;
    color: var(--text-muted);
}

/* ===== FAQ ===== */
.faq-list {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    border: 1px solid var(--border);
    border-radius: var(--radius);
    margin-bottom: 12px;
    overflow: hidden;
    background: var(--bg-card);
    transition: border-color var(--transition);
}

.faq-item:hover {
    border-color: rgba(6, 182, 212, 0.2);
}

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
    padding: 20px 24px;
    background: none;
    border: none;
    font-family: 'Inter', sans-serif;
    font-size: 16px;
    font-weight: 700;
    color: var(--text-white);
    cursor: pointer;
    text-align: left;
    transition: background var(--transition);
}

.faq-question:hover {
    background: rgba(6, 182, 212, 0.05);
}

.faq-icon {
    font-size: 24px;
    font-weight: 300;
    color: var(--primary);
    transition: transform var(--transition);
    flex-shrink: 0;
    margin-left: 16px;
}

.faq-item.active .faq-icon {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease;
}

.faq-answer p {
    padding: 0 24px 20px;
    font-size: 15px;
    color: var(--text-gray);
    line-height: 1.7;
}

/* ===== Footer ===== */
.footer {
    background: var(--bg-dark);
    border-top: 1px solid var(--border);
    color: var(--text-white);
    padding: 60px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px;
    padding-bottom: 40px;
    border-bottom: 1px solid var(--border);
}

.footer-brand p {
    margin-top: 16px;
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.7;
    max-width: 280px;
}

.logo-footer {
    display: flex;
}

.logo-footer .logo-line {
    color: var(--primary);
}

.logo-footer .logo-credit {
    color: var(--text-gray);
}

.footer-nav {
    display: contents;
}

.footer-links h4 {
    font-size: 15px;
    font-weight: 800;
    margin-bottom: 16px;
    color: var(--text-white);
}

.footer-links a {
    display: block;
    font-size: 14px;
    color: var(--text-muted);
    margin-bottom: 10px;
    transition: color var(--transition);
}

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

.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px 0;
}

.footer-bottom p {
    font-size: 13px;
    color: var(--text-muted);
}

.footer-badges {
    display: flex;
    gap: 16px;
}

.badge-ssl,
.badge-gdpr {
    font-size: 13px;
    color: var(--text-muted);
    padding: 4px 12px;
    border: 1px solid var(--border);
    border-radius: 6px;
}

/* ===== Sticky Bottom Bar ===== */
.sticky-bar {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: rgba(15, 23, 42, 0.95);
    backdrop-filter: blur(16px);
    border-top: 1px solid var(--border);
    box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.3);
    z-index: 900;
    padding: 12px 0;
    transform: translateY(100%);
    transition: transform var(--transition);
}

.sticky-bar.visible {
    transform: translateY(0);
}

.sticky-bar-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.sticky-info {
    display: flex;
    gap: 24px;
    align-items: center;
    font-size: 15px;
    color: var(--text-white);
}

.sticky-rate {
    color: var(--text-muted);
}

/* ===== Modals ===== */
.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0, 0, 0, 0.7);
    backdrop-filter: blur(8px);
    z-index: 2000;
    display: none;
    justify-content: center;
    align-items: center;
    padding: 20px;
}

.modal-overlay.active {
    display: flex;
}

.modal {
    background: var(--bg-dark);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 36px;
    width: 100%;
    max-width: 520px;
    position: relative;
    animation: modalIn 0.3s ease;
    max-height: 90vh;
    overflow-y: auto;
    scrollbar-width: none;
    -ms-overflow-style: none;
}

.modal::-webkit-scrollbar {
    display: none;
}

.modal-offers {
    max-width: 640px;
    padding: 28px;
}

@keyframes modalIn {
    from {
        opacity: 0;
        transform: scale(0.95) translateY(20px);
    }
    to {
        opacity: 1;
        transform: scale(1) translateY(0);
    }
}

.modal-close {
    position: absolute;
    top: 14px;
    right: 16px;
    background: none;
    border: none;
    font-size: 28px;
    color: var(--text-muted);
    cursor: pointer;
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    transition: all var(--transition);
}

.modal-close:hover {
    background: var(--bg-card);
    color: var(--text-white);
}

.modal-title {
    font-size: 22px;
    font-weight: 900;
    color: var(--text-white);
    margin-bottom: 8px;
}

.modal-subtitle {
    font-size: 15px;
    color: var(--text-muted);
    margin-bottom: 24px;
}

/* Form Modal */
.modal-summary {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin-bottom: 24px;
    padding: 16px;
    background: rgba(6, 182, 212, 0.05);
    border: 1px solid rgba(6, 182, 212, 0.1);
    border-radius: var(--radius);
}

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

.modal-summary-item span {
    display: block;
    font-size: 12px;
    color: var(--text-muted);
    margin-bottom: 4px;
}

.modal-summary-item strong {
    font-size: 20px;
    color: var(--primary-light);
}

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

.form-group {
    margin-bottom: 16px;
}

.form-group label {
    display: block;
    font-size: 13px;
    font-weight: 700;
    color: var(--text-gray);
    margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid var(--border);
    border-radius: 10px;
    font-family: 'Inter', sans-serif;
    font-size: 15px;
    color: var(--text-white);
    background: var(--bg-card);
    transition: border-color var(--transition);
    outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px var(--primary-glow);
}

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

.form-check {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 12px;
}

.form-check input[type="checkbox"] {
    width: 18px;
    height: 18px;
    margin-top: 2px;
    accent-color: var(--primary);
    flex-shrink: 0;
}

.form-check label {
    font-size: 13px;
    color: var(--text-muted);
    line-height: 1.5;
}

.form-check label a {
    color: var(--primary-light);
    text-decoration: underline;
}

.skip-link {
    display: block;
    width: 100%;
    margin-top: 16px;
    background: none;
    border: none;
    font-family: 'Inter', sans-serif;
    font-size: 14px;
    font-weight: 600;
    color: var(--text-muted);
    cursor: pointer;
    padding: 8px;
    transition: color var(--transition);
    text-align: center;
}

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

/* Loading Modal */
.modal-loading {
    text-align: center;
    max-width: 420px;
}

.loader-spinner {
    width: 64px;
    height: 64px;
    border: 3px solid var(--bg-surface);
    border-top-color: var(--primary);
    border-radius: 50%;
    animation: spin 0.8s linear infinite;
    margin: 0 auto 24px;
    box-shadow: 0 0 16px var(--primary-glow);
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
}

.loader-countdown {
    font-family: 'Space Grotesk', sans-serif;
    font-size: 24px;
    font-weight: 700;
    color: var(--primary-light);
    animation: none;
    position: absolute;
}

@keyframes spin {
    to { transform: rotate(360deg); }
}

.loading-title {
    font-size: 20px;
    font-weight: 800;
    color: var(--text-white);
    margin-bottom: 8px;
}

.loading-subtitle {
    font-size: 15px;
    color: var(--text-muted);
    margin-bottom: 24px;
}

.loading-dots::after {
    content: '';
    animation: dots 1.5s steps(4, end) infinite;
}

@keyframes dots {
    0% { content: ''; }
    25% { content: '.'; }
    50% { content: '..'; }
    75% { content: '...'; }
}

.loading-progress {
    width: 100%;
    height: 4px;
    background: var(--bg-surface);
    border-radius: 2px;
    margin-bottom: 24px;
    overflow: hidden;
}

.loading-bar {
    height: 100%;
    width: 0%;
    background: linear-gradient(90deg, var(--primary), var(--accent));
    border-radius: 2px;
    transition: width 0.3s ease;
    box-shadow: 0 0 12px var(--primary-glow);
}

.loading-steps {
    text-align: left;
}

.loading-step {
    padding: 8px 0;
    font-size: 14px;
    color: var(--text-muted);
    transition: color var(--transition);
}

.loading-step.active {
    color: var(--primary-light);
    font-weight: 700;
}

/* ===== Offer Cards — Redesigned ===== */
.offers-list {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.offers-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
}

@media (max-width: 768px) {
    .offers-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }
}

.offer-card {
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 0;
    transition: all 0.35s ease;
    position: relative;
    background: var(--bg-card);
    overflow: hidden;
}

.offer-card:hover {
    border-color: var(--border-glow);
    box-shadow: 0 8px 32px rgba(6, 182, 212, 0.1);
    transform: translateY(-2px);
}

.offer-card.recommended {
    border-color: var(--accent);
    background: var(--bg-card);
    box-shadow: 0 0 0 1px rgba(34, 197, 94, 0.15), 0 8px 32px rgba(34, 197, 94, 0.08);
}

.offer-card.recommended::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--accent), var(--primary));
}

.offer-badge {
    position: absolute;
    top: 14px;
    right: 16px;
    padding: 5px 14px;
    border-radius: 50px;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.3px;
    z-index: 2;
}

.offer-badge.green {
    background: rgba(34, 197, 94, 0.15);
    color: var(--accent-light);
    border: 1px solid rgba(34, 197, 94, 0.25);
}

.offer-badge.blue {
    background: rgba(6, 182, 212, 0.12);
    color: var(--primary-light);
    border: 1px solid rgba(6, 182, 212, 0.2);
}

.offer-badge.gold {
    background: linear-gradient(135deg, var(--accent), #059669);
    color: #fff;
    border: none;
    box-shadow: 0 2px 8px rgba(34, 197, 94, 0.3);
}

/* Offer top: logo + type + promo */
.offer-top {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 20px 24px;
    border-bottom: 1px solid var(--border);
}

.offer-logo-wrap {
    flex-shrink: 0;
}

.offer-logo-img {
    width: 180px;
    height: 56px;
    object-fit: contain;
    border-radius: 10px;
    border: 1px solid var(--border);
    padding: 8px 16px;
    background: rgba(255, 255, 255, 0.95);
}

.offer-top-info {
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: 6px;
    min-width: 0;
}

.offer-type {
    display: inline-block;
    padding: 3px 10px;
    border-radius: 50px;
    font-size: 10px;
    font-weight: 700;
    width: fit-content;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.offer-type.linie {
    background: rgba(6, 182, 212, 0.1);
    color: var(--primary-light);
    border: 1px solid rgba(6, 182, 212, 0.2);
}

.offer-type.credit {
    background: rgba(34, 197, 94, 0.08);
    color: var(--accent-light);
    border: 1px solid rgba(34, 197, 94, 0.15);
}

.offer-promo-badge {
    font-size: 14px;
    font-weight: 800;
    color: var(--accent-light);
}

/* Offer details: 2x2 grid with icons */
.offer-details {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    border-bottom: 1px solid var(--border);
}

.offer-detail {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 14px 20px;
    border-right: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
}

.offer-detail:nth-child(2n) {
    border-right: none;
}

.offer-detail:nth-child(n+3) {
    border-bottom: none;
}

.offer-detail-icon {
    font-size: 20px;
    flex-shrink: 0;
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(6, 182, 212, 0.06);
    border-radius: 10px;
    border: 1px solid var(--border);
}

.offer-detail-text {
    display: flex;
    flex-direction: column;
    gap: 2px;
    min-width: 0;
}

.offer-detail-label {
    font-size: 11px;
    color: var(--text-muted);
    font-weight: 600;
}

.offer-detail-value {
    font-size: 14px;
    font-weight: 800;
    color: var(--text-white);
    white-space: nowrap;
}

/* Offer USPs */
.offer-usps {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
    padding: 14px 24px;
    border-bottom: 1px solid var(--border);
}

.offer-usp {
    font-size: 11px;
    font-weight: 600;
    color: var(--accent-light);
    padding: 4px 10px;
    background: rgba(34, 197, 94, 0.06);
    border-radius: 50px;
    border: 1px solid rgba(34, 197, 94, 0.12);
}

/* Offer bottom: disclaimer + CTA */
.offer-bottom {
    padding: 16px 24px 20px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.offer-disclaimer {
    font-size: 11px;
    color: var(--text-muted);
    line-height: 1.5;
}

.offer-bottom .btn {
    padding: 14px 24px;
    font-size: 15px;
}

.offer-hidden {
    display: none;
}

.show-more-btn {
    margin-top: 8px;
    padding: 16px 24px;
    font-size: 15px;
}

/* Comparator logos & type badges */
.comp-logo {
    width: 140px;
    height: 44px;
    object-fit: contain;
    border-radius: 8px;
    vertical-align: middle;
    background: white;
    padding: 6px 12px;
    border: 1px solid rgba(255,255,255,0.1);
}

.comp-type {
    display: inline-block;
    padding: 3px 10px;
    border-radius: 50px;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.3px;
    white-space: nowrap;
}

.comp-type.linie {
    background: rgba(6, 182, 212, 0.1);
    color: var(--primary-light);
    border: 1px solid rgba(6, 182, 212, 0.15);
}

.comp-type.credit {
    background: rgba(34, 197, 94, 0.08);
    color: var(--accent-light);
    border: 1px solid rgba(34, 197, 94, 0.12);
}

/* ===== Responsive (Main) ===== */
@media (max-width: 1024px) {
    .hero-content {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .hero-text {
        text-align: center;
    }

    .hero-badges {
        justify-content: center;
    }

    .hero-subtitle {
        margin: 0 auto;
    }

    .calculator-card {
        max-width: 520px;
        margin: 0 auto;
    }
}

@media (max-width: 768px) {
    /* Header */
    .nav, .header-cta {
        display: none;
    }

    .hamburger {
        display: flex;
    }

    .header-inner {
        height: 56px;
    }

    .logo-line {
        font-size: 1.1rem;
    }

    .logo-credit {
        font-size: 1.1rem;
    }

    .logo-ifn {
        font-size: 1.1rem;
        margin-left: 3px;
    }

    /* Hero */
    .hero {
        padding: 72px 0 40px;
        min-height: auto;
    }

    .hero-content {
        gap: 28px;
    }

    .hero h1 {
        font-size: 26px;
        margin-bottom: 12px;
    }

    .hero-label {
        font-size: 10px;
        padding: 6px 14px;
        margin-bottom: 14px;
        letter-spacing: 0.5px;
    }

    .hero-subtitle {
        font-size: 14px;
        line-height: 1.6;
    }

    .hero-usps {
        grid-template-columns: 1fr 1fr;
        gap: 6px 12px;
        margin-top: 16px;
    }

    .hero-usp {
        font-size: 12px;
    }

    .hero-trust {
        gap: 10px;
        margin-top: 14px;
        padding-top: 14px;
        justify-content: center;
    }

    .hero-trust span {
        font-size: 11px;
    }

    /* Credit Card */
    .credit-card {
        aspect-ratio: 1.6 / 1;
        border-radius: 14px;
        margin-bottom: 20px;
    }

    .credit-card-inner {
        padding: 16px 16px 12px;
    }

    .card-chip {
        width: 32px;
        height: 24px;
    }

    .card-contactless svg {
        width: 18px;
        height: 18px;
    }

    .card-limit-label {
        font-size: 8px;
        letter-spacing: 1.5px;
    }

    .card-limit-amount {
        font-size: 22px;
    }

    .card-details {
        gap: 10px;
    }

    .card-detail-label {
        font-size: 6px;
        letter-spacing: 1px;
    }

    .card-detail-value {
        font-size: 11px;
    }

    .card-number {
        font-size: 9px;
        letter-spacing: 1.5px;
    }

    .card-brand-text {
        font-size: 7px;
    }

    .card-brand-ifn {
        font-size: 14px;
    }

    /* Sliders */
    .card-sliders {
        margin-bottom: 16px;
    }

    .slider-group {
        margin-bottom: 16px;
    }

    .slider-header label {
        font-size: 13px;
    }

    .range-slider::-webkit-slider-thumb {
        width: 22px;
        height: 22px;
    }

    /* Calculator summary */
    .calculator-summary {
        padding: 12px;
        gap: 8px;
    }

    .calculator-summary.cost-examples {
        grid-template-columns: repeat(3, 1fr);
    }

    .summary-label {
        font-size: 9px;
    }

    .summary-value {
        font-size: 14px;
    }

    /* CTA button */
    .btn-lg {
        padding: 14px 24px;
        font-size: 16px;
    }

    .calculator-disclaimer {
        font-size: 11px;
    }

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

    .trust-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 16px;
    }

    .trust-number {
        font-size: 24px;
    }

    .trust-label {
        font-size: 12px;
    }

    /* Sections */
    .section {
        padding: 56px 0;
    }

    .section-title {
        font-size: 24px;
        margin-bottom: 8px;
    }

    .section-subtitle {
        font-size: 15px;
        margin-bottom: 32px;
    }

    /* Steps */
    .steps-grid {
        flex-direction: column;
        align-items: stretch;
        gap: 12px;
    }

    .step-arrow {
        display: none;
    }

    .step-card {
        max-width: 100%;
        padding: 20px;
        text-align: center;
    }

    .step-card .step-icon {
        font-size: 32px;
        margin-bottom: 10px;
    }

    .step-card h3 {
        font-size: 15px;
        margin-bottom: 6px;
    }

    .step-card p {
        font-size: 13px;
    }

    /* Benefits / Conditions / Reviews */
    .benefits-grid,
    .conditions-grid {
        grid-template-columns: 1fr 1fr;
        gap: 10px;
    }

    .reviews-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }

    .benefit-card,
    .condition-card {
        padding: 18px 14px;
        text-align: center;
    }

    .benefit-card h3,
    .condition-card h3 {
        font-size: 14px;
        margin-bottom: 6px;
    }

    .benefit-card p,
    .condition-card p {
        font-size: 12px;
        line-height: 1.5;
    }

    .review-card {
        padding: 20px 18px;
    }

    .benefit-icon,
    .condition-icon {
        font-size: 28px;
        margin-bottom: 8px;
    }

    .review-text {
        font-size: 14px;
    }

    /* CTA Strip */
    .cta-strip {
        padding: 40px 0;
    }

    .cta-strip h2 {
        font-size: 22px;
    }

    .cta-strip p {
        font-size: 15px;
    }

    /* FAQ */
    .faq-item {
        border-radius: 10px;
        margin-bottom: 8px;
    }

    .faq-question {
        padding: 14px 16px;
        font-size: 14px;
        gap: 8px;
    }

    .faq-icon {
        font-size: 20px;
        margin-left: 8px;
    }

    .faq-answer p {
        padding: 0 16px 14px;
        font-size: 13px;
    }

    /* Footer */
    .footer {
        padding: 36px 0 0;
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 20px;
    }

    .footer-brand {
        grid-column: 1 / -1;
    }

    .footer-brand p {
        max-width: 100%;
        font-size: 13px;
    }

    .footer-links h4 {
        font-size: 13px;
        margin-bottom: 10px;
    }

    .footer-links a {
        font-size: 12px;
        margin-bottom: 7px;
    }

    .footer-bottom {
        flex-direction: column;
        gap: 10px;
        text-align: center;
        padding: 14px 0;
    }

    .footer-bottom p {
        font-size: 11px;
    }

    .badge-ssl,
    .badge-gdpr {
        font-size: 11px;
        padding: 3px 8px;
    }

    /* Sticky Bar */
    .sticky-bar {
        padding: 8px 0;
    }

    .sticky-bar-inner {
        flex-direction: row;
        justify-content: space-between;
        align-items: center;
        gap: 10px;
    }

    .sticky-info {
        font-size: 12px;
        flex-direction: column;
        gap: 0;
        line-height: 1.3;
    }

    .sticky-info strong {
        font-size: 13px;
    }

    .sticky-rate {
        font-size: 11px;
        opacity: 0.7;
    }

    .sticky-bar .btn {
        padding: 10px 16px;
        font-size: 12px;
        white-space: nowrap;
        flex-shrink: 0;
    }

    /* Modals */
    .modal-overlay {
        padding: 12px;
        align-items: center;
    }

    .modal {
        padding: 24px 18px;
        border-radius: var(--radius-lg);
        max-height: 88vh;
    }

    .modal-offers {
        padding: 18px 14px;
    }

    .modal-title {
        font-size: 19px;
    }

    .modal-subtitle {
        font-size: 13px;
    }

    .modal-summary {
        padding: 12px;
    }

    .modal-summary-item strong {
        font-size: 16px;
    }

    /* Offer cards mobile */
    .offers-list {
        gap: 14px;
    }

    .offer-card {
        border-radius: 16px;
    }

    .offer-top {
        padding: 16px;
        gap: 10px;
    }

    .offer-logo-img {
        width: 140px;
        height: 44px;
        padding: 6px 10px;
    }

    .offer-promo-badge {
        font-size: 12px;
    }

    .offer-type {
        font-size: 9px;
    }

    .offer-badge {
        font-size: 10px;
        padding: 4px 10px;
        top: 10px;
        right: 10px;
    }

    .offer-details {
        grid-template-columns: 1fr 1fr;
    }

    .offer-detail {
        padding: 10px 14px;
        gap: 8px;
    }

    .offer-detail-icon {
        width: 28px;
        height: 28px;
        font-size: 14px;
        border-radius: 8px;
    }

    .offer-detail-label {
        font-size: 9px;
    }

    .offer-detail-value {
        font-size: 12px;
    }

    .offer-usps {
        padding: 10px 16px;
        gap: 4px;
    }

    .offer-usp {
        font-size: 10px;
        padding: 3px 8px;
    }

    .offer-bottom {
        padding: 12px 16px 16px;
    }

    .offer-bottom .btn {
        padding: 12px 20px;
        font-size: 14px;
    }

    .offer-disclaimer {
        font-size: 10px;
    }

    /* Form */
    .form-group input,
    .form-group select,
    .form-group textarea {
        padding: 11px 14px;
        font-size: 14px;
    }

    .form-group label {
        font-size: 12px;
    }

    .form-check label {
        font-size: 12px;
    }

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

    /* Loading */
    .loader-spinner {
        width: 44px;
        height: 44px;
    }

    .loading-title {
        font-size: 18px;
    }

    /* Cookie banner */
    .cookie-banner {
        padding: 14px;
    }

    .cookie-inner {
        flex-direction: column;
        text-align: center;
        gap: 12px;
    }

    .cookie-text {
        font-size: 12px;
    }

    .cookie-btn {
        padding: 8px 18px;
        font-size: 13px;
    }
}

@media (max-width: 480px) {
    .hero {
        padding: 64px 0 32px;
    }

    .hero h1 {
        font-size: 22px;
    }

    .hero-subtitle {
        font-size: 13px;
    }

    .hero-usps {
        grid-template-columns: 1fr 1fr;
        gap: 4px 8px;
    }

    .hero-usp {
        font-size: 11px;
    }

    .hero-label {
        font-size: 9px;
        padding: 5px 12px;
    }

    /* Credit card */
    .credit-card {
        border-radius: 12px;
    }

    .credit-card-inner {
        padding: 12px 12px 10px;
    }

    .card-chip {
        width: 28px;
        height: 20px;
    }

    .card-limit-label {
        font-size: 7px;
    }

    .card-limit-amount {
        font-size: 18px;
    }

    .card-details {
        gap: 6px;
    }

    .card-detail-label {
        font-size: 5.5px;
    }

    .card-detail-value {
        font-size: 9px;
    }

    .card-number {
        font-size: 8px;
    }

    .card-brand-text {
        font-size: 6px;
    }

    .card-brand-ifn {
        font-size: 12px;
    }

    /* Cost examples */
    .calculator-summary.cost-examples {
        grid-template-columns: 1fr 1fr 1fr;
        gap: 4px;
        padding: 10px;
    }

    .summary-label {
        font-size: 8px;
    }

    .summary-value {
        font-size: 12px;
    }

    /* Slider */
    .slider-header label {
        font-size: 12px;
    }

    .slider-limits {
        font-size: 10px;
    }

    /* Trust */
    .trust-section {
        padding: 20px 0;
    }

    .trust-grid {
        grid-template-columns: 1fr 1fr;
        gap: 10px;
    }

    .trust-number {
        font-size: 20px;
    }

    .trust-label {
        font-size: 11px;
    }

    /* Sections */
    .section {
        padding: 40px 0;
    }

    .section-title {
        font-size: 20px;
    }

    .section-subtitle {
        font-size: 13px;
        margin-bottom: 24px;
    }

    /* Benefits 1 col on very small */
    .benefits-grid,
    .conditions-grid {
        grid-template-columns: 1fr;
        gap: 8px;
    }

    .benefit-card,
    .condition-card {
        display: flex;
        align-items: center;
        gap: 14px;
        text-align: left;
        padding: 14px 16px;
    }

    .benefit-icon,
    .condition-icon {
        font-size: 24px;
        margin-bottom: 0;
        flex-shrink: 0;
    }

    .benefit-card h3,
    .condition-card h3 {
        font-size: 14px;
        margin-bottom: 2px;
    }

    .benefit-card p,
    .condition-card p {
        font-size: 12px;
        display: none;
    }

    /* CTA strip */
    .cta-strip {
        padding: 32px 0;
    }

    .cta-strip h2 {
        font-size: 20px;
    }

    .cta-strip p {
        font-size: 13px;
        margin-bottom: 20px;
    }

    /* Footer */
    .footer-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    /* Modal */
    .modal {
        padding: 20px 14px;
    }

    .modal-title {
        font-size: 17px;
    }

    .modal-summary {
        grid-template-columns: 1fr 1fr;
        padding: 10px;
    }

    .modal-summary-item strong {
        font-size: 15px;
    }

    /* Offers */
    .offer-details {
        grid-template-columns: 1fr 1fr;
    }

    .offer-detail {
        padding: 8px 10px;
        gap: 6px;
    }

    .offer-detail-icon {
        width: 24px;
        height: 24px;
        font-size: 12px;
        border-radius: 6px;
    }

    .offer-detail-label {
        font-size: 8px;
    }

    .offer-detail-value {
        font-size: 11px;
    }

    .offer-logo-img {
        width: 120px;
        height: 38px;
    }

    .offer-usps {
        display: none;
    }

    .offer-bottom .btn {
        padding: 12px 16px;
        font-size: 13px;
    }

    /* Page banner */
    .page-banner {
        padding: 72px 0 28px;
    }

    .page-banner h1 {
        font-size: 22px;
    }

    .page-banner p {
        font-size: 13px;
    }

    /* Prose */
    .prose h2 {
        font-size: 19px;
        margin: 28px 0 10px;
        padding-left: 12px;
    }

    .prose h3 {
        font-size: 16px;
        margin: 20px 0 8px;
    }

    .prose p {
        font-size: 14px;
        line-height: 1.7;
    }

    .prose ul li,
    .prose ol li {
        font-size: 13px;
    }

    .info-box {
        padding: 14px 14px 14px 44px;
        font-size: 13px;
    }

    .info-box::before {
        left: 12px;
        font-size: 16px;
    }

    /* Blog cards */
    .blog-card-img {
        height: 120px;
        font-size: 32px;
    }

    .blog-card-body {
        padding: 14px;
    }

    .blog-card h3 {
        font-size: 14px;
    }

    .blog-card p {
        font-size: 12px;
    }

    /* Comparison table */
    .comparison-table th,
    .comparison-table td {
        padding: 8px 8px;
        font-size: 11px;
    }

    .comp-logo {
        width: 100px;
        height: 32px;
        padding: 3px 8px;
    }

    .filter-bar {
        grid-template-columns: 1fr 1fr;
        gap: 10px;
        padding: 14px;
    }

    .filter-bar {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
        padding: 16px;
    }

    .filter-bar label {
        font-size: 11px;
        margin-bottom: 4px;
    }

    .filter-bar select {
        width: 100%;
        padding: 14px 36px 14px 14px;
        font-size: 16px;
        background-size: 16px;
        background-position: right 10px center;
        border-radius: 10px;
    }

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

    /* Author box */
    .author-box {
        flex-direction: column;
        text-align: center;
        align-items: center;
        padding: 16px;
        gap: 12px;
    }

    .author-avatar {
        width: 44px;
        height: 44px;
        font-size: 18px;
    }
}

/* =================================================================
   INNER PAGES
   ================================================================= */

/* Page Banner */
.page-banner {
    background: var(--bg-body);
    padding: 130px 0 60px;
    color: var(--text-white);
    text-align: center;
    position: relative;
    overflow: hidden;
}

.page-banner::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(circle at 1px 1px, rgba(6, 182, 212, 0.06) 1px, transparent 0);
    background-size: 48px 48px;
}

.page-banner::after {
    content: '';
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse 80% 50% at 30% 50%, rgba(6, 182, 212, 0.1) 0%, transparent 60%),
        radial-gradient(ellipse 50% 40% at 80% 50%, rgba(34, 197, 94, 0.06) 0%, transparent 60%);
}

.page-banner h1 {
    font-size: clamp(28px, 5vw, 42px);
    font-weight: 900;
    line-height: 1.2;
    margin-bottom: 12px;
    position: relative;
    z-index: 1;
}

.page-banner p {
    font-size: 17px;
    color: var(--text-gray);
    max-width: 600px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
}

/* Breadcrumbs */
.breadcrumbs {
    padding: 14px 0;
    background: rgba(15, 23, 42, 0.6);
    border-bottom: 1px solid var(--border);
    backdrop-filter: blur(8px);
}

.breadcrumbs ol {
    list-style: none;
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
    align-items: center;
    font-size: 13px;
}

.breadcrumbs li::after {
    content: '›';
    margin-left: 6px;
    color: var(--text-muted);
    opacity: 0.5;
}

.breadcrumbs li:last-child::after {
    content: '';
}

.breadcrumbs a {
    color: var(--text-muted);
    font-weight: 600;
    transition: color var(--transition);
}

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

.breadcrumbs .current {
    color: var(--primary-light);
    font-weight: 700;
}

/* Content layout */
.content-layout {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 56px;
    padding: 60px 0;
}

.content-main {
    min-width: 0;
}

.content-sidebar {
    position: sticky;
    top: 92px;
    align-self: start;
}

/* ===== Prose — Article Typography ===== */
.prose h2 {
    font-size: 26px;
    font-weight: 800;
    color: var(--text-white);
    margin: 48px 0 20px;
    padding-bottom: 12px;
    padding-left: 16px;
    border-bottom: none;
    border-left: 3px solid var(--primary);
    position: relative;
}

.prose h2::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 60px;
    height: 2px;
    background: linear-gradient(90deg, var(--primary), transparent);
}

.prose h3 {
    font-size: 20px;
    font-weight: 800;
    color: var(--text-white);
    margin: 36px 0 14px;
    padding-left: 12px;
    border-left: 2px solid rgba(6, 182, 212, 0.3);
}

.prose p {
    margin-bottom: 18px;
    line-height: 1.85;
    color: var(--text-gray);
    font-size: 15.5px;
}

.prose ul, .prose ol {
    margin: 20px 0;
    padding-left: 0;
    list-style: none;
}

.prose ul li, .prose ol li {
    margin-bottom: 10px;
    line-height: 1.75;
    color: var(--text-gray);
    padding-left: 28px;
    position: relative;
    font-size: 15px;
}

.prose ul li::before {
    content: '';
    position: absolute;
    left: 8px;
    top: 10px;
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--primary);
}

.prose ol {
    counter-reset: prose-counter;
}

.prose ol li {
    counter-increment: prose-counter;
}

.prose ol li::before {
    content: counter(prose-counter);
    position: absolute;
    left: 4px;
    top: 1px;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: rgba(6, 182, 212, 0.1);
    border: 1px solid rgba(6, 182, 212, 0.2);
    color: var(--primary-light);
    font-size: 11px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    line-height: 1;
}

.prose strong {
    font-weight: 800;
    color: var(--text-white);
}

.prose a {
    color: var(--primary-light);
    text-decoration: none;
    border-bottom: 1px solid rgba(6, 182, 212, 0.3);
    transition: all var(--transition);
}

.prose a:hover {
    color: var(--primary);
    border-bottom-color: var(--primary);
}

.prose blockquote {
    margin: 28px 0;
    padding: 24px 28px;
    background: linear-gradient(135deg, rgba(6, 182, 212, 0.06), rgba(34, 197, 94, 0.03));
    border-left: 4px solid var(--primary);
    border-radius: 0 var(--radius) var(--radius) 0;
    font-style: italic;
    color: var(--text-gray);
    position: relative;
}

.prose blockquote::before {
    content: '"';
    position: absolute;
    top: -8px;
    left: 16px;
    font-size: 48px;
    font-family: Georgia, serif;
    color: var(--primary);
    opacity: 0.3;
    line-height: 1;
}

/* Prose Tables — Premium style */
.prose table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    margin: 28px 0;
    font-size: 14px;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
}

.prose table th,
.prose table td {
    padding: 14px 18px;
    text-align: left;
    border-bottom: 1px solid var(--border);
    color: var(--text-gray);
}

.prose table th {
    background: linear-gradient(135deg, rgba(6, 182, 212, 0.08), rgba(34, 197, 94, 0.04));
    font-weight: 700;
    color: var(--primary-light);
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.prose table tr:last-child td {
    border-bottom: none;
}

.prose table tr:hover td {
    background: rgba(6, 182, 212, 0.04);
}

.prose table td:first-child {
    font-weight: 600;
    color: var(--text-white);
}

/* Prose horizontal rule */
.prose hr {
    border: none;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--border), transparent);
    margin: 40px 0;
}

/* Info box — Enhanced */
.info-box {
    padding: 24px 24px 24px 60px;
    background: rgba(6, 182, 212, 0.05);
    border: 1px solid rgba(6, 182, 212, 0.12);
    border-radius: var(--radius);
    margin: 28px 0;
    position: relative;
    overflow: hidden;
}

.info-box::before {
    content: 'ℹ';
    position: absolute;
    left: 20px;
    top: 24px;
    font-size: 20px;
    line-height: 1;
}

.info-box::after {
    content: '';
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    width: 3px;
    background: var(--primary);
}

.info-box.warning {
    background: rgba(245, 158, 11, 0.05);
    border-color: rgba(245, 158, 11, 0.15);
}

.info-box.warning::before {
    content: '⚠';
}

.info-box.warning::after {
    background: #F59E0B;
}

.info-box.success {
    background: rgba(34, 197, 94, 0.05);
    border-color: rgba(34, 197, 94, 0.15);
}

.info-box.success::before {
    content: '✓';
    color: var(--accent);
}

.info-box.success::after {
    background: var(--accent);
}

.info-box h4 {
    font-weight: 800;
    margin-bottom: 8px;
    color: var(--text-white);
    font-size: 15px;
}

.info-box p {
    margin-bottom: 0;
    font-size: 14px;
    color: var(--text-gray);
    line-height: 1.7;
}

.info-box ul {
    margin: 8px 0 0;
    padding-left: 18px;
}

.info-box li {
    font-size: 14px;
    color: var(--text-gray);
    margin-bottom: 4px;
}

/* ===== Sidebar — Enhanced ===== */
.sidebar-widget {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 24px;
    margin-bottom: 20px;
    transition: border-color var(--transition);
}

.sidebar-widget:hover {
    border-color: rgba(6, 182, 212, 0.15);
}

.sidebar-widget h3 {
    font-size: 17px;
    font-weight: 800;
    color: var(--text-white);
    margin-bottom: 16px;
    padding-bottom: 12px;
    border-bottom: 1px solid var(--border);
}

.sidebar-cta {
    background: linear-gradient(135deg, rgba(6, 182, 212, 0.12), rgba(34, 197, 94, 0.08));
    border: 1px solid rgba(6, 182, 212, 0.2);
    text-align: center;
}

.sidebar-cta h3 {
    color: var(--primary-light);
    border-bottom-color: rgba(6, 182, 212, 0.15);
}

.sidebar-cta p {
    font-size: 14px;
    color: var(--text-gray);
    margin-bottom: 16px;
}

/* TOC */
.toc-list {
    list-style: none;
    padding: 0;
}

.toc-list li {
    margin-bottom: 2px;
}

.toc-list a {
    font-size: 13px;
    font-weight: 600;
    color: var(--text-muted);
    display: block;
    padding: 8px 14px;
    border-left: 2px solid transparent;
    border-radius: 0 8px 8px 0;
    transition: all var(--transition);
}

.toc-list a:hover {
    color: var(--primary-light);
    background: rgba(6, 182, 212, 0.06);
    border-left-color: rgba(6, 182, 212, 0.3);
}

.toc-list a.active {
    color: var(--primary-light);
    background: rgba(6, 182, 212, 0.08);
    border-left-color: var(--primary);
}

/* ===== Blog ===== */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.blog-card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: all 0.35s ease;
    display: flex;
    flex-direction: column;
}

.blog-card:hover {
    transform: translateY(-6px);
    border-color: var(--border-glow);
    box-shadow: 0 12px 40px rgba(6, 182, 212, 0.1), 0 0 0 1px rgba(6, 182, 212, 0.15);
}

.blog-card-img {
    height: 180px;
    background: linear-gradient(135deg, var(--bg-surface), var(--bg-card));
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 48px;
    position: relative;
    border-bottom: 1px solid var(--border);
    overflow: hidden;
}

.blog-card-img::after {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 30% 50%, rgba(6, 182, 212, 0.08) 0%, transparent 60%);
}

.blog-card-category {
    position: absolute;
    top: 14px;
    left: 14px;
    padding: 5px 14px;
    background: rgba(6, 182, 212, 0.12);
    border: 1px solid rgba(6, 182, 212, 0.2);
    border-radius: 50px;
    font-size: 11px;
    font-weight: 700;
    color: var(--primary-light);
    letter-spacing: 0.3px;
    text-transform: uppercase;
    backdrop-filter: blur(8px);
    z-index: 1;
}

.blog-card-body {
    padding: 22px 24px 24px;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.blog-card-meta {
    font-size: 12px;
    color: var(--text-muted);
    margin-bottom: 10px;
    letter-spacing: 0.3px;
}

.blog-card h3 {
    font-size: 17px;
    font-weight: 800;
    color: var(--text-white);
    margin-bottom: 10px;
    line-height: 1.4;
}

.blog-card h3 a {
    color: inherit;
    transition: color var(--transition);
}

.blog-card h3 a:hover {
    color: var(--primary-light);
}

.blog-card p {
    font-size: 13.5px;
    color: var(--text-muted);
    line-height: 1.65;
    flex: 1;
}

.blog-card-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 700;
    color: var(--primary-light);
    margin-top: 16px;
    transition: gap var(--transition);
}

.blog-card:hover .blog-card-link {
    gap: 10px;
}

/* Article hero */
.article-hero {
    background: var(--bg-body);
    padding: 130px 0 50px;
    color: var(--text-white);
    position: relative;
    overflow: hidden;
}

.article-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        radial-gradient(circle at 1px 1px, rgba(6, 182, 212, 0.06) 1px, transparent 0);
    background-size: 48px 48px;
}

.article-hero::after {
    content: '';
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse 70% 60% at 20% 50%, rgba(6, 182, 212, 0.1) 0%, transparent 60%),
        radial-gradient(ellipse 40% 40% at 90% 30%, rgba(34, 197, 94, 0.05) 0%, transparent 60%);
}

.article-hero .article-category {
    display: inline-block;
    padding: 5px 18px;
    background: rgba(6, 182, 212, 0.1);
    border: 1px solid rgba(6, 182, 212, 0.2);
    border-radius: 50px;
    font-size: 11px;
    font-weight: 700;
    color: var(--primary-light);
    margin-bottom: 18px;
    position: relative;
    z-index: 1;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.article-hero h1 {
    font-size: clamp(28px, 4vw, 40px);
    font-weight: 900;
    line-height: 1.2;
    margin-bottom: 20px;
    max-width: 800px;
    position: relative;
    z-index: 1;
}

.article-meta {
    display: flex;
    gap: 20px;
    font-size: 13px;
    color: var(--text-muted);
    flex-wrap: wrap;
    position: relative;
    z-index: 1;
}

.article-meta span {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 4px 12px;
    background: rgba(255, 255, 255, 0.05);
    border-radius: 50px;
    border: 1px solid rgba(255, 255, 255, 0.08);
}

/* Author box */
.author-box {
    display: flex;
    gap: 20px;
    padding: 28px;
    background: linear-gradient(135deg, rgba(6, 182, 212, 0.04), rgba(34, 197, 94, 0.02));
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    margin: 48px 0;
    position: relative;
    overflow: hidden;
}

.author-box::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, var(--primary), var(--accent), transparent);
    opacity: 0.5;
}

.author-avatar {
    width: 56px;
    height: 56px;
    border-radius: 16px;
    background: transparent;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.author-avatar svg {
    width: 56px;
    height: 56px;
    border-radius: 16px;
}

.author-info h4 {
    font-size: 15px;
    font-weight: 800;
    margin-bottom: 4px;
    color: var(--text-white);
}

.author-info p {
    font-size: 13.5px;
    color: var(--text-muted);
    margin: 0;
    line-height: 1.6;
}

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

/* ===== Comparison Table ===== */
.comparison-table-wrapper {
    overflow-x: auto;
    margin: 28px 0;
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    background: var(--bg-card);
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 800px;
}

.comparison-table th,
.comparison-table td {
    padding: 16px 18px;
    text-align: center;
    border-bottom: 1px solid var(--border);
    font-size: 13.5px;
    color: var(--text-gray);
    transition: background var(--transition);
}

.comparison-table th {
    background: linear-gradient(135deg, rgba(6, 182, 212, 0.06), rgba(34, 197, 94, 0.03));
    color: var(--primary-light);
    font-weight: 700;
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    padding: 14px 18px;
}

.comparison-table td:first-child {
    text-align: left;
    font-weight: 700;
    color: var(--text-white);
}

.comparison-table tbody tr {
    transition: all var(--transition);
}

.comparison-table tbody tr:hover {
    background: rgba(6, 182, 212, 0.04);
}

.comparison-table tbody tr:hover td {
    background: transparent;
}

.comparison-table .highlight-row td {
    background: rgba(34, 197, 94, 0.04);
}

.comparison-table .highlight-row {
    border-left: 3px solid var(--accent);
}

.comparison-table .highlight-row:hover td {
    background: rgba(34, 197, 94, 0.06);
}

.comparison-table .cta-cell .btn {
    padding: 8px 20px;
    font-size: 12px;
    letter-spacing: 0.3px;
}

/* Filter bar */
.filter-bar {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 14px;
    padding: 24px;
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    margin-bottom: 16px;
}

.filter-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.filter-bar label {
    font-size: 12px;
    font-weight: 700;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.filter-bar select {
    width: 100%;
    padding: 12px 36px 12px 14px;
    border: 1px solid var(--border);
    border-radius: 10px;
    font-family: 'Inter', sans-serif;
    font-size: 14px;
    font-weight: 600;
    background-color: var(--bg-surface);
    color: var(--text-white);
    outline: none;
    cursor: pointer;
    transition: border-color var(--transition);
    -webkit-appearance: none;
    -moz-appearance: none;
    appearance: none;
    background-image: url("data:image/svg+xml;charset=UTF-8,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2394A3B8' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3e%3cpolyline points='6 9 12 15 18 9'%3e%3c/polyline%3e%3c/svg%3e");
    background-repeat: no-repeat;
    background-position: right 10px center;
    background-size: 16px;
    overflow: hidden;
    text-overflow: ellipsis;
    white-space: nowrap;
}

.filter-bar select:hover {
    border-color: rgba(6, 182, 212, 0.3);
}

.filter-bar select:focus {
    border-color: var(--primary);
}

.filter-results {
    font-size: 14px;
    font-weight: 600;
    color: var(--primary-light);
    margin-bottom: 16px;
    min-height: 20px;
}

/* ===== Calculator Page ===== */
.calc-page-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: start;
}

.calc-result-card {
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 32px;
}

.calc-result-card h3 {
    font-size: 20px;
    font-weight: 800;
    margin-bottom: 20px;
    color: var(--text-white);
}

.calc-result-row {
    display: flex;
    justify-content: space-between;
    padding: 14px 0;
    border-bottom: 1px solid var(--border);
    font-size: 15px;
}

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

.calc-result-row .label {
    color: var(--text-muted);
}

.calc-result-row .value {
    font-weight: 800;
    color: var(--text-white);
}

.calc-result-row.total {
    padding: 16px 0;
    margin-top: 8px;
    border-top: 2px solid var(--primary);
    border-bottom: none;
}

.calc-result-row.total .value {
    font-size: 22px;
    color: var(--primary-light);
}

.amortization-table {
    width: 100%;
    border-collapse: collapse;
    margin-top: 24px;
    font-size: 13px;
}

.amortization-table th,
.amortization-table td {
    padding: 10px 12px;
    text-align: right;
    border-bottom: 1px solid var(--border);
    color: var(--text-gray);
}

.amortization-table th {
    background: var(--bg-card);
    font-weight: 800;
    font-size: 11px;
    text-transform: uppercase;
    color: var(--text-muted);
}

.amortization-table th:first-child,
.amortization-table td:first-child {
    text-align: center;
}

/* ===== Cookie / Data Tables ===== */
.table-responsive {
    overflow-x: auto;
    margin: 24px 0;
    border-radius: var(--radius);
    border: 1px solid var(--border);
}

.cookie-table {
    width: 100%;
    border-collapse: collapse;
    min-width: 500px;
}

.cookie-table th,
.cookie-table td {
    padding: 14px 16px;
    text-align: left;
    border-bottom: 1px solid var(--border);
    font-size: 14px;
    color: var(--text-gray);
    vertical-align: top;
}

.cookie-table th {
    background: linear-gradient(135deg, rgba(6, 182, 212, 0.06), rgba(34, 197, 94, 0.03));
    color: var(--primary-light);
    font-weight: 700;
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    white-space: nowrap;
}

.cookie-table td:first-child {
    font-weight: 700;
    color: var(--text-white);
    white-space: nowrap;
}

.cookie-table tr:last-child td {
    border-bottom: none;
}

.cookie-table tr:hover td {
    background: rgba(6, 182, 212, 0.04);
}

@media (max-width: 768px) {
    .cookie-table {
        min-width: 400px;
    }

    .cookie-table th,
    .cookie-table td {
        padding: 10px 12px;
        font-size: 13px;
    }
}

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

.contact-info-card {
    display: flex;
    gap: 16px;
    padding: 20px;
    background: var(--bg-card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    margin-bottom: 16px;
}

.contact-info-icon {
    font-size: 28px;
    flex-shrink: 0;
}

.contact-info-card h4 {
    font-size: 15px;
    font-weight: 800;
    margin-bottom: 4px;
    color: var(--text-white);
}

.contact-info-card p {
    font-size: 14px;
    color: var(--text-muted);
    margin: 0;
}

.contact-form .form-group select {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid var(--border);
    border-radius: 10px;
    font-family: 'Inter', sans-serif;
    font-size: 15px;
    color: var(--text-white);
    background: var(--bg-card);
    outline: none;
    transition: border-color var(--transition);
    cursor: pointer;
    -webkit-appearance: none;
    -moz-appearance: none;
    appearance: none;
    background-image: url("data:image/svg+xml;charset=UTF-8,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2394A3B8' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3e%3cpolyline points='6 9 12 15 18 9'%3e%3c/polyline%3e%3c/svg%3e");
    background-repeat: no-repeat;
    background-position: right 12px center;
    background-size: 18px;
    padding-right: 40px;
}

.contact-form .form-group select:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px var(--primary-glow);
}

.contact-form .form-group textarea {
    resize: vertical;
    min-height: 120px;
}

/* ===== Legal Pages ===== */
.legal-content {
    max-width: 800px;
    margin: 0 auto;
    padding: 60px 0;
}

.legal-content h1 {
    font-size: 32px;
    font-weight: 900;
    margin-bottom: 8px;
    color: var(--text-white);
}

.legal-content .last-updated {
    font-size: 14px;
    color: var(--text-muted);
    margin-bottom: 40px;
}

.legal-content h2 {
    font-size: 22px;
    font-weight: 800;
    color: var(--text-white);
    margin: 36px 0 12px;
}

.legal-content p {
    margin-bottom: 16px;
    line-height: 1.8;
    color: var(--text-gray);
}

.legal-content ul {
    margin: 12px 0 20px;
    padding-left: 24px;
}

.legal-content li {
    margin-bottom: 8px;
    line-height: 1.7;
    color: var(--text-gray);
}

/* ===== Cookie Consent ===== */
.cookie-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: var(--bg-dark);
    border-top: 1px solid var(--border);
    padding: 20px;
    z-index: 3000;
    transform: translateY(100%);
    transition: transform var(--transition);
    box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.4);
}

.cookie-banner.visible {
    transform: translateY(0);
}

.cookie-inner {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: 24px;
    justify-content: space-between;
}

.cookie-text {
    font-size: 14px;
    line-height: 1.6;
    color: var(--text-gray);
    flex: 1;
}

.cookie-text a {
    color: var(--primary-light);
    text-decoration: underline;
}

.cookie-buttons {
    display: flex;
    gap: 12px;
    flex-shrink: 0;
}

.cookie-btn {
    padding: 10px 24px;
    border-radius: 50px;
    font-family: 'Inter', sans-serif;
    font-size: 14px;
    font-weight: 700;
    cursor: pointer;
    border: none;
    transition: all var(--transition);
}

.cookie-btn.accept {
    background: var(--accent);
    color: #fff;
}

.cookie-btn.reject {
    background: transparent;
    color: var(--text-gray);
    border: 1px solid var(--border);
}

/* ===== Dropdown nav ===== */
.nav-item {
    position: relative;
}

.nav-dropdown {
    display: none;
    position: absolute;
    top: 100%;
    left: -16px;
    background: var(--bg-dark);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    min-width: 220px;
    padding: 8px 0;
    z-index: 100;
}

.nav-item:hover .nav-dropdown {
    display: block;
}

.nav-dropdown a {
    display: block;
    padding: 10px 20px;
    font-size: 14px;
    color: var(--text-gray);
}

.nav-dropdown a:hover {
    background: var(--bg-card);
    color: var(--primary-light);
}

/* ===== Responsive inner pages ===== */
@media (max-width: 1024px) {
    .content-layout {
        grid-template-columns: 1fr;
    }

    .content-sidebar {
        position: static;
    }

    .calc-page-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    .blog-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .related-posts {
        grid-template-columns: 1fr;
        gap: 16px;
    }

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

    .filter-bar {
        grid-template-columns: 1fr 1fr;
        padding: 16px;
        gap: 10px;
    }

    .comparison-table-wrapper {
        margin: 16px -20px;
        border-radius: 0;
    }

    .comp-logo {
        width: 110px;
        height: 36px;
        padding: 4px 8px;
    }

    .comparison-table th,
    .comparison-table td {
        padding: 10px 8px;
        font-size: 12px;
    }

    .page-banner {
        padding: 100px 0 40px;
    }

    .page-banner h1 {
        font-size: 26px;
    }

    .content-layout {
        gap: 32px;
        padding: 40px 0;
    }

    .prose h2 {
        font-size: 22px;
    }

    .sidebar-widget {
        padding: 18px;
    }

    .toc-list a {
        font-size: 12px;
        padding: 6px 10px;
    }

    .article-hero {
        padding: 100px 0 36px;
    }

    .article-hero h1 {
        font-size: 24px;
    }

    .article-meta {
        gap: 8px;
        font-size: 11px;
    }

    .article-meta span {
        padding: 3px 8px;
        font-size: 11px;
    }

    .author-box {
        flex-direction: column;
        text-align: center;
        align-items: center;
        padding: 20px;
    }

    /* Glossary */
    .glosar-nav {
        flex-wrap: wrap;
    }

    /* Legal */
    .legal-content {
        padding: 40px 0;
    }

    .legal-content h1 {
        font-size: 26px;
    }

    .legal-content h2 {
        font-size: 19px;
    }

    /* Calc page */
    .calc-result-card {
        padding: 20px;
    }

    .calc-result-row {
        font-size: 14px;
    }

    .calc-result-row.total .value {
        font-size: 18px;
    }
}

/* ===== Scrollbar ===== */
::-webkit-scrollbar {
    width: 8px;
}

::-webkit-scrollbar-track {
    background: var(--bg-body);
}

::-webkit-scrollbar-thumb {
    background: var(--bg-surface);
    border-radius: 4px;
}

::-webkit-scrollbar-thumb:hover {
    background: var(--text-muted);
}