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

:root {
    --navy: #0c2340;
    --navy-light: #1a3a5c;
    --navy-dark: #081a30;
    --bg-primary: #ffffff;
    --bg-secondary: #f7f8fb;
    --bg-warm: #faf9f7;
    --bg-card: #ffffff;
    --bg-card-hover: #fafbfd;
    --bg-glass: rgba(255, 255, 255, 0.92);
    --accent: #0c2340;
    --accent-light: #1a4f8a;
    --accent-blue: #1d4ed8;
    --gold: #b8976a;
    --gold-light: #d4b896;
    --accent-gradient: linear-gradient(135deg, #0c2340 0%, #1a4f8a 100%);
    --text-primary: #0c2340;
    --text-secondary: #374151;
    --text-muted: #64748b;
    --text-on-dark: #ffffff;
    --border: #e8ecf1;
    --border-light: #f1f4f8;
    --success: #16a34a;
    --danger: #dc2626;
    --star: #d4a853;
    --radius: 12px;
    --radius-lg: 20px;
    --shadow-sm: 0 1px 2px rgba(12, 35, 64, 0.04);
    --shadow: 0 4px 20px rgba(12, 35, 64, 0.06);
    --shadow-lg: 0 12px 40px rgba(12, 35, 64, 0.1);
    --shadow-card: 0 2px 12px rgba(12, 35, 64, 0.06), 0 0 0 1px rgba(12, 35, 64, 0.04);
    --transition: 0.35s cubic-bezier(0.4, 0, 0.2, 1);
    --font-body: 'Raleway', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-heading: 'Cormorant Garamond', Georgia, 'Times New Roman', serif;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 88px;
}

body {
    font-family: var(--font-body);
    background: var(--bg-primary);
    color: var(--text-secondary);
    line-height: 1.75;
    font-size: 16px;
    font-weight: 400;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
    letter-spacing: 0.01em;
}

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

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

a {
    color: var(--accent-blue);
    text-decoration: none;
    transition: color var(--transition);
}

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

/* ========== TYPOGRAPHY ========== */
.section-heading {
    font-family: var(--font-heading);
    font-size: clamp(2rem, 4.5vw, 3rem);
    font-weight: 500;
    color: var(--text-primary);
    line-height: 1.15;
    margin-bottom: 18px;
    text-align: center;
    letter-spacing: -0.01em;
}

.section-heading em {
    font-style: italic;
    font-weight: 400;
    color: var(--accent-blue);
}

.section-label {
    display: block;
    font-family: var(--font-body);
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--gold);
    text-transform: uppercase;
    letter-spacing: 3px;
    margin-bottom: 10px;
}

.section-subtext {
    font-size: 1.05rem;
    color: var(--text-secondary);
    max-width: 640px;
    margin: 0 auto 56px;
    text-align: center;
    line-height: 1.8;
}

.section-subtext strong {
    color: var(--text-primary);
    font-weight: 600;
}

/* ========== BUTTONS ========== */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 15px 32px;
    border-radius: 50px;
    font-family: var(--font-body);
    font-size: 0.9rem;
    font-weight: 600;
    text-decoration: none;
    cursor: pointer;
    transition: all var(--transition);
    border: none;
    white-space: nowrap;
    letter-spacing: 0.01em;
}

.btn--primary {
    background: var(--navy);
    color: var(--text-on-dark);
    box-shadow: 0 4px 16px rgba(12, 35, 64, 0.2);
}

.btn--primary:hover {
    background: var(--navy-light);
    transform: translateY(-2px);
    box-shadow: 0 8px 28px rgba(12, 35, 64, 0.25);
    color: var(--text-on-dark);
}

.btn--outline {
    background: transparent;
    color: var(--navy);
    border: 1.5px solid var(--border);
}

.btn--outline:hover {
    background: var(--bg-secondary);
    border-color: var(--navy);
    color: var(--navy);
}

.btn--lg {
    padding: 18px 40px;
    font-size: 0.95rem;
}

/* ========== HEADER ========== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: var(--bg-glass);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border-bottom: 1px solid var(--border-light);
    transition: all var(--transition);
}

.header.scrolled {
    box-shadow: 0 1px 12px rgba(12, 35, 64, 0.06);
}

.header__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
    gap: 24px;
}

.header__logo {
    display: flex;
    flex-direction: column;
    text-decoration: none;
    line-height: 1.1;
    flex-shrink: 0;
}

.logo-text {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 600;
    color: var(--navy);
    letter-spacing: 0.02em;
}

.logo-sub {
    font-family: var(--font-body);
    font-size: 0.58rem;
    font-weight: 500;
    color: var(--gold);
    letter-spacing: 3.5px;
    text-transform: uppercase;
}

.nav {
    flex: 1;
    display: flex;
    justify-content: center;
}

.nav__links {
    display: flex;
    list-style: none;
    gap: 32px;
}

.nav__links a {
    color: var(--text-secondary);
    font-size: 0.85rem;
    font-weight: 500;
    text-decoration: none;
    transition: color var(--transition);
    white-space: nowrap;
    letter-spacing: 0.01em;
}

.nav__links a:hover {
    color: var(--navy);
}

.header__actions {
    display: flex;
    align-items: center;
    gap: 14px;
    flex-shrink: 0;
}

/* Language Switch */
.lang-switch {
    display: flex;
    gap: 2px;
    background: var(--bg-secondary);
    border-radius: 8px;
    padding: 3px;
    border: 1px solid var(--border-light);
}

.lang-btn {
    padding: 6px 10px;
    border: none;
    background: transparent;
    color: var(--text-muted);
    font-family: var(--font-body);
    font-size: 0.7rem;
    font-weight: 600;
    border-radius: 6px;
    cursor: pointer;
    transition: all var(--transition);
    letter-spacing: 0.5px;
}

.lang-btn.active,
.lang-btn:hover {
    background: var(--navy);
    color: var(--text-on-dark);
}

.header__cta {
    padding: 10px 22px;
    font-size: 0.8rem;
}

/* Nav Toggle (Mobile) */
.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px;
}

.nav-toggle span {
    width: 22px;
    height: 1.5px;
    background: var(--navy);
    transition: all var(--transition);
    border-radius: 2px;
}

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

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

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

/* ========== HERO ========== */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 130px 0 100px;
    overflow: hidden;
    background: linear-gradient(170deg, #ffffff 0%, #f8f9fc 50%, #f0f3f8 100%);
}

.hero__bg {
    position: absolute;
    inset: 0;
    background:
        radial-gradient(ellipse at 75% 70%, rgba(12, 35, 64, 0.03) 0%, transparent 55%),
        radial-gradient(ellipse at 25% 30%, rgba(184, 151, 106, 0.04) 0%, transparent 45%);
    pointer-events: none;
}

.hero__inner {
    display: grid;
    grid-template-columns: 1fr 0.75fr;
    gap: 80px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero__tagline {
    display: inline-block;
    font-size: 0.75rem;
    font-weight: 600;
    color: var(--gold);
    text-transform: uppercase;
    letter-spacing: 3px;
    margin-bottom: 20px;
}

.hero__heading {
    font-family: var(--font-heading);
    font-size: clamp(2.5rem, 5.5vw, 3.75rem);
    font-weight: 500;
    color: var(--navy);
    line-height: 1.1;
    margin-bottom: 24px;
    letter-spacing: -0.01em;
}

.hero__heading em {
    font-style: italic;
    font-weight: 400;
    color: var(--accent-blue);
}

.hero__text {
    font-size: 1.05rem;
    line-height: 1.85;
    color: var(--text-secondary);
    margin-bottom: 36px;
}

.hero__text strong {
    color: var(--text-primary);
    font-weight: 600;
}

/* Pillars */
.hero__pillars {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin-bottom: 40px;
}

.pillar {
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius);
    padding: 22px 18px;
    text-align: center;
    transition: all var(--transition);
    box-shadow: var(--shadow-card);
}

.pillar:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow);
    border-color: rgba(184, 151, 106, 0.3);
}

.pillar__icon {
    color: var(--gold);
    margin-bottom: 12px;
}

.pillar__title {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 6px;
    letter-spacing: 0.02em;
}

.pillar__text {
    font-size: 0.78rem;
    color: var(--text-muted);
    line-height: 1.55;
}

/* Hero Actions */
.hero__actions {
    margin-bottom: 28px;
}

/* Trust Badge */
.hero__trust,
.section-trust {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.8rem;
    color: var(--text-muted);
}

.trust-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--navy);
    font-weight: 600;
    text-decoration: none;
}

.trust-stars {
    color: var(--star);
    font-size: 0.9rem;
    letter-spacing: 1px;
}

.trust-label {
    font-size: 0.8rem;
}

.trust-count {
    font-size: 0.75rem;
    color: var(--text-muted);
}

/* Hero Image */
.hero__image {
    display: flex;
    justify-content: center;
    align-items: flex-end;
}

.hero__image img {
    max-height: 560px;
    width: auto;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    object-fit: cover;
}

/* ========== SECTIONS SPACING ========== */
section {
    padding: 110px 0;
}

section:nth-child(even) {
    background: var(--bg-secondary);
}

/* ========== PAIN POINTS ========== */
.pain-points {
    background: var(--navy) !important;
    color: var(--text-on-dark);
}

.pain-points .section-heading {
    font-family: var(--font-heading);
    color: var(--text-on-dark);
}

.pain-points .section-heading em {
    color: var(--gold-light);
}

.pain-points .section-subtext {
    color: rgba(255, 255, 255, 0.65);
}

.pain-points .section-subtext strong {
    color: var(--text-on-dark);
}

.pain-points__grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 16px;
    max-width: 900px;
    margin: 0 auto;
}

.pain-card {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: var(--radius);
    padding: 28px 24px;
    transition: all var(--transition);
}

.pain-card:hover {
    background: rgba(255, 255, 255, 0.08);
    transform: translateY(-2px);
}

.pain-card__icon {
    font-size: 1.75rem;
    color: var(--gold-light);
    line-height: 1;
    display: block;
    margin-bottom: 10px;
}

.pain-card__text {
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.75);
    font-style: italic;
    line-height: 1.7;
}

/* ========== ABOUT ========== */
.about {
    background: var(--bg-warm) !important;
}

.about__grid {
    display: grid;
    grid-template-columns: 0.75fr 1fr;
    gap: 72px;
    align-items: start;
}

.about__image-col {
    position: sticky;
    top: 110px;
}

.about__photo {
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    width: 100%;
    object-fit: cover;
}

.about__whofinance {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-top: 20px;
    font-size: 0.8rem;
    color: var(--text-muted);
}

.about__content .section-label {
    text-align: left;
}

.about__content .section-heading {
    text-align: left;
    margin-bottom: 28px;
}

.about__text {
    margin-bottom: 24px;
}

.about__text p {
    line-height: 1.85;
}

.about__text strong {
    color: var(--text-primary);
    font-weight: 600;
}

.about__text em {
    color: var(--accent-blue);
    font-style: italic;
}

.about__highlight {
    background: rgba(12, 35, 64, 0.03);
    border-left: 3px solid var(--gold);
    border-radius: 0 var(--radius) var(--radius) 0;
    padding: 24px 28px;
    margin-bottom: 24px;
}

.about__highlight p {
    line-height: 1.85;
}

.about__highlight strong {
    color: var(--text-primary);
}

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

.adv-card {
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius);
    padding: 36px 28px;
    transition: all var(--transition);
    box-shadow: var(--shadow-card);
}

.adv-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(184, 151, 106, 0.25);
}

.adv-card__icon {
    color: var(--gold);
    margin-bottom: 18px;
}

.adv-card h3 {
    font-family: var(--font-heading);
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 10px;
}

.adv-card p {
    font-size: 0.88rem;
    line-height: 1.65;
    color: var(--text-secondary);
}

/* ========== SERVICES ========== */
.services__grid {
    max-width: 800px;
    margin: 0 auto 44px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.service-item {
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius);
    overflow: hidden;
    transition: all var(--transition);
    box-shadow: var(--shadow-card);
}

.service-item[open] {
    border-color: var(--gold);
    box-shadow: var(--shadow);
}

.service-item summary {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 22px 28px;
    cursor: pointer;
    list-style: none;
    font-weight: 500;
    color: var(--navy);
    transition: all var(--transition);
}

.service-item summary::-webkit-details-marker {
    display: none;
}

.service-item summary:hover {
    color: var(--accent-blue);
}

.service-item__title {
    font-size: 0.95rem;
    letter-spacing: 0.01em;
}

.service-item__toggle {
    font-size: 1.15rem;
    color: var(--gold);
    transition: transform var(--transition);
    font-weight: 300;
}

.service-item[open] .service-item__toggle {
    transform: rotate(45deg);
}

.service-item__content {
    padding: 0 28px 24px;
    font-size: 0.92rem;
    line-height: 1.75;
    color: var(--text-secondary);
}

.services__cta {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 18px;
}

/* ========== KI SECTION ========== */
.ki-section {
    position: relative;
    overflow: hidden;
    background: var(--navy) !important;
    color: var(--text-on-dark);
}

.ki-section .section-label {
    color: var(--gold-light);
}

.ki-section .section-heading {
    color: var(--text-on-dark);
}

.ki-section .section-heading em {
    color: var(--gold-light);
}

.ki-section .section-subtext {
    color: rgba(255, 255, 255, 0.65);
}

.ki-section__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    position: relative;
    z-index: 1;
}

.ki-card {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: var(--radius-lg);
    padding: 40px 28px;
    text-align: center;
    transition: all var(--transition);
    position: relative;
    overflow: hidden;
}

.ki-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
}

.ki-card:hover {
    transform: translateY(-6px);
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(184, 151, 106, 0.3);
}

.ki-card__icon {
    color: var(--gold-light);
    margin-bottom: 22px;
}

.ki-card h3 {
    font-family: var(--font-heading);
    font-size: 1.3rem;
    font-weight: 500;
    color: var(--text-on-dark);
    margin-bottom: 14px;
}

.ki-card p {
    font-size: 0.88rem;
    line-height: 1.75;
    color: rgba(255, 255, 255, 0.6);
}

.ki-section__link {
    text-align: center;
    margin-top: 44px;
    font-size: 0.9rem;
    position: relative;
    z-index: 1;
    color: rgba(255, 255, 255, 0.6);
}

.ki-section__link a {
    font-weight: 600;
    color: var(--gold-light);
}

.ki-section__link a:hover {
    color: var(--text-on-dark);
}

/* ========== COMPARISON ========== */
.comparison__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    margin-top: 56px;
}

.comparison__col {
    border-radius: var(--radius-lg);
    padding: 40px 36px;
}

.comparison__col--bank {
    background: #fef8f8;
    border: 1px solid #f5d5d5;
}

.comparison__col--me {
    background: #f7fdf9;
    border: 1px solid #c6ecd3;
}

.comparison__col h3 {
    font-family: var(--font-heading);
    font-size: 1.25rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 28px;
    text-align: center;
}

.comparison__list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 22px;
}

.comparison__list li {
    display: flex;
    gap: 14px;
    align-items: flex-start;
}

.comp-icon {
    flex-shrink: 0;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.7rem;
    font-weight: 700;
    margin-top: 2px;
}

.comparison__list--con .comp-icon {
    background: #fde8e8;
    color: var(--danger);
}

.comparison__list--pro .comp-icon {
    background: #dcfce7;
    color: var(--success);
}

.comparison__list strong {
    display: block;
    font-size: 0.88rem;
    color: var(--navy);
    margin-bottom: 3px;
    font-weight: 600;
}

.comparison__list p {
    font-size: 0.82rem;
    color: var(--text-secondary);
    line-height: 1.55;
}

.comparison__cta {
    text-align: center;
    margin-top: 56px;
}

/* ========== PROCESS ========== */
.process__timeline {
    max-width: 700px;
    margin: 0 auto;
    position: relative;
}

.process__timeline::before {
    content: '';
    position: absolute;
    left: 24px;
    top: 0;
    bottom: 0;
    width: 1px;
    background: var(--border);
}

.process__step {
    display: flex;
    gap: 28px;
    padding-bottom: 44px;
    position: relative;
}

.process__step:last-child {
    padding-bottom: 0;
}

.process__number {
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: var(--navy);
    color: var(--text-on-dark);
    font-family: var(--font-heading);
    font-size: 1.15rem;
    font-weight: 400;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    z-index: 1;
    box-shadow: 0 4px 16px rgba(12, 35, 64, 0.2);
}

.process__content h3 {
    font-family: var(--font-heading);
    font-size: 1.2rem;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 8px;
    padding-top: 10px;
}

.process__content p {
    font-size: 0.88rem;
    line-height: 1.75;
    color: var(--text-secondary);
}

.process__cta {
    text-align: center;
    margin-top: 56px;
}

/* ========== TESTIMONIALS ========== */
.testimonials {
    background: var(--bg-warm) !important;
}

.testimonials__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-bottom: 44px;
}

.testimonial-card {
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius);
    padding: 32px 28px;
    transition: all var(--transition);
    box-shadow: var(--shadow-card);
}

.testimonial-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow);
}

.testimonial-card__stars {
    color: var(--star);
    font-size: 0.9rem;
    letter-spacing: 2px;
    margin-bottom: 18px;
}

.testimonial-card__text {
    font-size: 0.92rem;
    line-height: 1.75;
    color: var(--text-secondary);
    margin-bottom: 20px;
    font-style: italic;
}

.testimonial-card__author {
    display: block;
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--navy);
    letter-spacing: 0.01em;
}

.testimonial-card__source {
    display: block;
    font-size: 0.72rem;
    color: var(--text-muted);
    margin-top: 3px;
    letter-spacing: 0.5px;
    text-transform: uppercase;
}

.testimonials__more {
    text-align: center;
}

/* ========== VIDEO SECTION ========== */
.video-section__embed {
    max-width: 800px;
    margin: 0 auto 36px;
}

.video-wrapper {
    position: relative;
    padding-bottom: 56.25%;
    height: 0;
    overflow: hidden;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
}

.video-wrapper iframe {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    border: 0;
}

.video-section__social {
    text-align: center;
}

.video-section__social p {
    margin-bottom: 16px;
    color: var(--text-secondary);
}

/* ========== FAQ ========== */
.faq__list {
    max-width: 800px;
    margin: 0 auto 44px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.faq-item {
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius);
    overflow: hidden;
    transition: all var(--transition);
    box-shadow: var(--shadow-card);
}

.faq-item[open] {
    border-color: var(--gold);
    box-shadow: var(--shadow);
}

.faq-item summary {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 22px 28px;
    cursor: pointer;
    list-style: none;
    font-size: 0.95rem;
    font-weight: 500;
    color: var(--navy);
    transition: color var(--transition);
}

.faq-item summary::-webkit-details-marker {
    display: none;
}

.faq-item summary::after {
    content: '+';
    font-size: 1.2rem;
    color: var(--gold);
    flex-shrink: 0;
    margin-left: 16px;
    transition: transform var(--transition);
    font-weight: 300;
}

.faq-item[open] summary::after {
    transform: rotate(45deg);
}

.faq-item summary:hover {
    color: var(--accent-blue);
}

.faq-item__answer {
    padding: 0 28px 24px;
    font-size: 0.92rem;
    line-height: 1.75;
    color: var(--text-secondary);
}

.faq__cta {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 18px;
}

/* ========== CONTACT ========== */
.contact__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    margin-top: 56px;
}

.contact__info {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.contact__card {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 22px 24px;
    background: var(--bg-card);
    border: 1px solid var(--border-light);
    border-radius: var(--radius);
    transition: all var(--transition);
    box-shadow: var(--shadow-card);
}

.contact__card:hover {
    box-shadow: var(--shadow);
    border-color: rgba(184, 151, 106, 0.25);
}

.contact__card svg {
    color: var(--gold);
    flex-shrink: 0;
    margin-top: 2px;
}

.contact__card span {
    display: block;
    font-size: 0.7rem;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 5px;
    font-weight: 500;
}

.contact__card a,
.contact__card p {
    color: var(--navy);
    font-size: 0.92rem;
    font-weight: 500;
    line-height: 1.5;
}

.contact__socials {
    display: flex;
    gap: 10px;
    padding-top: 8px;
}

.social-link {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--bg-secondary);
    border: 1px solid var(--border-light);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--text-muted);
    transition: all var(--transition);
}

.social-link:hover {
    background: var(--navy);
    color: var(--text-on-dark);
    border-color: var(--navy);
}

/* ========== FOOTER ========== */
.footer {
    padding: 48px 0;
    border-top: 1px solid var(--border-light);
    background: var(--navy);
    color: var(--text-on-dark);
}

.footer .logo-text {
    color: var(--text-on-dark);
}

.footer .logo-sub {
    color: var(--gold);
}

.footer__inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.footer__copy {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.4);
    margin-top: 8px;
}

.footer__nav {
    display: flex;
    gap: 28px;
}

.footer__nav a {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.5);
    letter-spacing: 0.02em;
}

.footer__nav a:hover {
    color: var(--text-on-dark);
}

/* ========== COOKIE BANNER ========== */
.cookie-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 9999;
    background: var(--navy);
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    box-shadow: 0 -4px 24px rgba(0, 0, 0, 0.2);
    transform: translateY(100%);
    transition: transform 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

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

.cookie-banner.hidden {
    display: none;
}

.cookie-banner__inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 20px 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.cookie-banner__text p {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.75);
    line-height: 1.6;
    margin: 0;
}

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

.cookie-banner__actions {
    display: flex;
    gap: 10px;
    flex-shrink: 0;
}

.cookie-btn {
    padding: 10px 20px;
    font-size: 0.8rem;
    white-space: nowrap;
}

.cookie-banner .btn--outline {
    color: rgba(255, 255, 255, 0.7);
    border-color: rgba(255, 255, 255, 0.2);
}

.cookie-banner .btn--outline:hover {
    color: #fff;
    border-color: rgba(255, 255, 255, 0.5);
    background: rgba(255, 255, 255, 0.05);
}

@media (max-width: 768px) {
    .cookie-banner__inner {
        flex-direction: column;
        text-align: center;
    }

    .cookie-banner__actions {
        width: 100%;
    }

    .cookie-btn {
        flex: 1;
    }
}

/* ========== ANIMATIONS ========== */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(24px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* ========== RESPONSIVE ========== */

/* Tablet */
@media (max-width: 1024px) {
    .hero__inner {
        grid-template-columns: 1fr;
        gap: 48px;
        text-align: center;
    }

    .hero__image {
        order: -1;
    }

    .hero__image img {
        max-height: 400px;
    }

    .hero__pillars {
        max-width: 600px;
        margin-left: auto;
        margin-right: auto;
    }

    .hero__actions {
        display: flex;
        justify-content: center;
    }

    .hero__trust {
        justify-content: center;
    }

    .about__grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .about__image-col {
        position: static;
        display: flex;
        flex-direction: column;
        align-items: center;
    }

    .about__photo {
        max-width: 350px;
    }

    .about__content .section-label,
    .about__content .section-heading {
        text-align: center;
    }

    .advantages__grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .ki-section__grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .ki-card:last-child {
        grid-column: 1 / -1;
        max-width: 400px;
        margin: 0 auto;
    }

    .comparison__grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }

    .testimonials__grid {
        grid-template-columns: repeat(2, 1fr);
    }

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

/* Mobile */
@media (max-width: 768px) {
    .nav {
        position: fixed;
        top: 80px;
        left: 0;
        right: 0;
        background: var(--bg-glass);
        backdrop-filter: blur(24px);
        -webkit-backdrop-filter: blur(24px);
        border-bottom: 1px solid var(--border-light);
        padding: 28px;
        transform: translateY(-100%);
        opacity: 0;
        pointer-events: none;
        transition: all var(--transition);
    }

    .nav.open {
        transform: translateY(0);
        opacity: 1;
        pointer-events: auto;
    }

    .nav__links {
        flex-direction: column;
        gap: 22px;
    }

    .nav__links a {
        font-size: 1rem;
    }

    .nav-toggle {
        display: flex;
    }

    .header__cta {
        display: none;
    }

    .hero {
        padding: 110px 0 64px;
        min-height: auto;
    }

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

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

    .ki-section__grid {
        grid-template-columns: 1fr;
    }

    .ki-card:last-child {
        max-width: none;
    }

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

    .footer__inner {
        flex-direction: column;
        gap: 20px;
        text-align: center;
    }

    section {
        padding: 72px 0;
    }

    .section-heading {
        font-size: 1.65rem;
    }

    .process__timeline::before {
        left: 23px;
    }
}

@media (max-width: 480px) {
    .lang-switch {
        gap: 2px;
    }

    .lang-btn {
        padding: 5px 8px;
        font-size: 0.65rem;
    }

    .btn--lg {
        padding: 15px 28px;
        font-size: 0.9rem;
    }

    .comparison__col {
        padding: 28px 22px;
    }
}