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

:root {
    /* Koke.kz Brand Colors */
    --orange: #F58220;
    --orange-dark: #E06D0A;
    --orange-light: #FFF3E6;
    --orange-50: #FFF8F0;
    --navy: #2D3A87;
    --navy-dark: #1E2760;
    --navy-light: #E8EAF6;
    --navy-50: #F0F1FA;

    /* Neutrals */
    --white: #FFFFFF;
    --bg: #FAFAFA;
    --bg-warm: #FFF9F2;
    --text: #1A1A2E;
    --text-secondary: #5A5A7A;
    --text-light: #8E8EA0;
    --border: #E5E5EF;
    --border-light: #F0F0F5;

    /* Functional */
    --success: #22C55E;
    --success-light: #DCFCE7;
    --info: #3B82F6;
    --warning: #F59E0B;
    --danger: #EF4444;

    /* Shadows */
    --shadow-sm: 0 1px 3px rgba(45, 58, 135, 0.06);
    --shadow: 0 4px 12px rgba(45, 58, 135, 0.08);
    --shadow-md: 0 8px 24px rgba(45, 58, 135, 0.1);
    --shadow-lg: 0 16px 40px rgba(45, 58, 135, 0.12);
    --shadow-orange: 0 4px 14px rgba(245, 130, 32, 0.35);

    /* Radius */
    --radius-sm: 8px;
    --radius: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-full: 9999px;

    /* Transition */
    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

html {
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
}

body {
    font-family: 'Montserrat', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--text);
    background: var(--white);
    line-height: 1.6;
    overflow-x: hidden;
}

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

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

button {
    font-family: inherit;
}

/* ===== HEADER ===== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: var(--white);
    border-bottom: 1px solid var(--border-light);
    transition: var(--transition);
}

.header.scrolled {
    box-shadow: var(--shadow);
}

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

/* Logo */
.logo {
    display: inline-flex;
    align-items: flex-end;
    gap: 0;
    font-size: 28px;
    font-weight: 800;
    letter-spacing: -0.02em;
    color: var(--navy);
    line-height: 1;
    position: relative;
    padding-bottom: 0;
}

.logo-k { color: var(--navy); }
.logo-o {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 26px;
    height: 26px;
    background: var(--orange);
    border-radius: 50%;
    color: white;
    margin: 0 1px;
    position: relative;
    top: -2px;
    box-shadow: inset 0 0 0 3px var(--orange), inset 0 0 0 6px rgba(255,255,255,0.35);
}
.logo-o::after {
    content: '';
    width: 7px;
    height: 7px;
    background: white;
    border-radius: 50%;
    position: absolute;
}
.logo-rest { color: var(--navy); }
.logo-kz {
    color: var(--orange);
    font-weight: 800;
    font-size: 14px;
    align-self: flex-end;
    margin-bottom: -1px;
    margin-left: 2px;
    position: relative;
}

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

.nav a {
    font-size: 15px;
    font-weight: 500;
    color: var(--text-secondary);
    position: relative;
}

.nav a:hover,
.nav a.active {
    color: var(--navy);
}

.nav a::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--orange);
    transition: var(--transition);
}

.nav a:hover::after,
.nav a.active::after {
    width: 100%;
}

.header-cta {
    display: inline-flex;
    align-items: center;
    padding: 10px 28px;
    background: var(--orange);
    color: white;
    font-size: 14px;
    font-weight: 700;
    border-radius: var(--radius-full);
    border: 2px solid var(--orange);
    transition: var(--transition);
}

.header-cta:hover {
    background: var(--orange-dark);
    border-color: var(--orange-dark);
    box-shadow: var(--shadow-orange);
}

.header-cta.outline {
    background: transparent;
    color: var(--orange);
}

.header-cta.outline:hover {
    background: var(--orange);
    color: white;
}

/* Mobile Menu */
.mobile-menu-btn {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 4px;
}

.mobile-menu-btn span {
    display: block;
    width: 24px;
    height: 2.5px;
    background: var(--navy);
    border-radius: 2px;
    transition: var(--transition);
}

.mobile-menu-btn.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}
.mobile-menu-btn.active span:nth-child(2) {
    opacity: 0;
}
.mobile-menu-btn.active span:nth-child(3) {
    transform: rotate(-45deg) translate(6px, -6px);
}

.mobile-nav {
    display: none;
    flex-direction: column;
    padding: 16px 24px 24px;
    gap: 0;
    border-top: 1px solid var(--border-light);
    background: var(--white);
}

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

.mobile-nav a {
    display: block;
    padding: 14px 0;
    font-size: 16px;
    font-weight: 500;
    color: var(--text-secondary);
    border-bottom: 1px solid var(--border-light);
}

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

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

.mobile-cta {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-top: 12px;
    padding: 14px;
    background: var(--orange);
    color: white !important;
    font-weight: 700;
    border-radius: var(--radius);
    border-bottom: none !important;
}

/* ===== HERO ===== */
.hero {
    padding: 120px 0 70px;
    background: linear-gradient(135deg, #FFF6EC 0%, #FFE8CC 40%, #FFDDB3 70%, #FFD19A 100%);
    position: relative;
    overflow: hidden;
    min-height: 620px;
}

.hero::before {
    content: '';
    position: absolute;
    top: -100px;
    right: -50px;
    width: 500px;
    height: 500px;
    background: rgba(245, 130, 32, 0.08);
    border-radius: 50%;
    pointer-events: none;
}

.hero::after {
    content: '';
    position: absolute;
    bottom: -150px;
    left: -100px;
    width: 400px;
    height: 400px;
    background: rgba(245, 130, 32, 0.06);
    border-radius: 50%;
    pointer-events: none;
}

.hero .container {
    display: grid;
    grid-template-columns: 1fr 400px;
    gap: 48px;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero-amount {
    font-size: 68px;
    font-weight: 900;
    color: var(--navy);
    line-height: 1;
    margin-bottom: 4px;
    letter-spacing: -0.04em;
}

.hero-amount .tenge {
    color: var(--orange);
    font-weight: 900;
}

.hero-period {
    font-size: 28px;
    color: var(--text);
    margin-bottom: 28px;
    font-weight: 500;
    line-height: 1.3;
}

.hero-period strong {
    font-size: 44px;
    font-weight: 900;
    color: var(--navy);
    display: block;
    letter-spacing: -0.03em;
}

.hero-features {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 28px;
}

.hero-feature {
    display: flex;
    align-items: center;
    gap: 7px;
    padding: 8px 16px;
    background: rgba(255, 255, 255, 0.75);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border-radius: var(--radius-full);
    font-size: 13px;
    font-weight: 700;
    color: var(--navy);
    border: 1px solid rgba(255, 255, 255, 0.5);
}

.hero-feature svg {
    color: var(--orange);
    flex-shrink: 0;
}

.hero-trust {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 14px 18px;
    background: rgba(255, 255, 255, 0.65);
    border-radius: var(--radius);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    max-width: 380px;
    border: 1px solid rgba(255, 255, 255, 0.4);
}

.hero-trust-stars {
    display: flex;
    gap: 2px;
    color: var(--orange);
    flex-shrink: 0;
}

.hero-trust-text {
    font-size: 12px;
    color: var(--text-secondary);
    line-height: 1.4;
}

.hero-trust-text strong {
    color: var(--navy);
    display: block;
    font-size: 14px;
    font-weight: 700;
}

/* Hero Form Card */
.hero-form-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    position: relative;
    z-index: 3;
    border: 1px solid rgba(0,0,0,0.04);
}

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

.hero-form-tab {
    padding: 14px;
    text-align: center;
    font-size: 14px;
    font-weight: 700;
    cursor: pointer;
    border: none;
    background: #EEEEF2;
    color: var(--text-secondary);
    transition: var(--transition);
    font-family: inherit;
    letter-spacing: 0.02em;
}

.hero-form-tab:hover {
    background: #E2E2E8;
}

.hero-form-tab.active {
    background: var(--navy);
    color: white;
}

.hero-form-tab.active:hover {
    background: var(--navy-dark);
}

.hero-form-body {
    padding: 24px 28px 28px;
}

.hero-form-label {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    margin-bottom: 18px;
}

.hero-form-label span {
    font-size: 14px;
    font-weight: 600;
    color: var(--text);
}

.hero-form-label strong {
    font-size: 30px;
    font-weight: 900;
    color: var(--navy);
    letter-spacing: -0.02em;
}

.hero-form-label strong .currency {
    font-size: 22px;
    color: var(--text-light);
    font-weight: 700;
    margin-left: 2px;
}

.hero-slider-wrapper {
    position: relative;
    margin-bottom: 8px;
}

.hero-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 8px;
    border-radius: var(--radius-full);
    background: #E5E5EF;
    outline: none;
    cursor: pointer;
}

.hero-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--navy);
    cursor: pointer;
    box-shadow: 0 2px 10px rgba(45, 58, 135, 0.35);
    border: 4px solid white;
    position: relative;
    z-index: 2;
    transition: box-shadow 0.2s ease;
}

.hero-slider::-webkit-slider-thumb:hover {
    box-shadow: 0 3px 14px rgba(45, 58, 135, 0.45);
}

.hero-slider::-moz-range-thumb {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--navy);
    cursor: pointer;
    box-shadow: 0 2px 10px rgba(45, 58, 135, 0.35);
    border: 4px solid white;
}

.hero-slider-range {
    display: flex;
    justify-content: space-between;
    font-size: 12px;
    color: var(--text-light);
    margin-bottom: 20px;
    font-weight: 500;
}

.hero-form-cta {
    width: 100%;
    padding: 16px;
    background: var(--orange);
    color: white;
    font-size: 18px;
    font-weight: 800;
    border: none;
    border-radius: var(--radius);
    cursor: pointer;
    transition: var(--transition);
    font-family: inherit;
    letter-spacing: 0.01em;
}

.hero-form-cta:hover {
    background: var(--orange-dark);
    box-shadow: var(--shadow-orange);
    transform: translateY(-2px);
}

.hero-form-cta:active {
    transform: translateY(0);
}

.hero-form-footer {
    padding: 14px 28px;
    border-top: 1px solid var(--border-light);
    background: #F8F8FB;
}

.hero-form-footer-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.hero-form-footer-row + .hero-form-footer-row {
    margin-top: 6px;
}

.hero-form-footer span,
.hero-form-footer-row span {
    font-size: 13px;
    color: var(--text-secondary);
    font-weight: 500;
}

.hero-form-footer strong,
.hero-form-footer-row strong {
    font-size: 16px;
    font-weight: 800;
    color: var(--navy);
}

/* Floating coins */
.coin {
    position: absolute;
    width: 24px;
    height: 24px;
    background: var(--orange);
    border-radius: 50%;
    opacity: 0.3;
    z-index: 1;
}

.coin::after {
    content: '₸';
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    color: white;
    font-size: 12px;
    font-weight: 800;
}

.coin-1 { top: 15%; left: 10%; animation: coinFloat 4s ease-in-out infinite; }
.coin-2 { top: 25%; right: 35%; width: 18px; height: 18px; animation: coinFloat 3s ease-in-out infinite 1s; }
.coin-3 { bottom: 20%; left: 30%; width: 20px; height: 20px; animation: coinFloat 5s ease-in-out infinite 0.5s; }
.coin-4 { bottom: 30%; right: 10%; animation: coinFloat 3.5s ease-in-out infinite 1.5s; }
.coin-5 { top: 40%; left: 50%; width: 16px; height: 16px; animation: coinFloat 4.5s ease-in-out infinite 2s; }

.coin-2::after, .coin-5::after { font-size: 10px; }

@keyframes coinFloat {
    0%, 100% { transform: translateY(0) rotate(0deg); }
    50% { transform: translateY(-20px) rotate(180deg); }
}

/* ===== MODAL (new) ===== */
.m-overlay {
    display:none; position:fixed; inset:0; background:rgba(0,0,0,0.55);
    z-index:9999; align-items:center; justify-content:center; padding:16px; overflow-y:auto;
    backdrop-filter:blur(4px); -webkit-backdrop-filter:blur(4px);
}
.m-overlay.active { display:flex; }

.m-box {
    background:#fff; border-radius:20px; width:100%; max-width:540px;
    box-shadow:0 20px 60px rgba(0,0,0,0.3); position:relative;
    max-height:92vh; overflow-y:auto; animation: mIn 0.3s ease;
    -ms-overflow-style:none; scrollbar-width:none;
}
.m-box::-webkit-scrollbar { display:none; }
.m-overlay.active .m-box.wide { max-width:700px; }
@keyframes mIn { from{opacity:0;transform:scale(0.95) translateY(16px)} to{opacity:1;transform:none} }

.m-screen { display:none; }
.m-screen.active { display:block; }

/* Head (orange gradient) */
.m-head {
    background: linear-gradient(135deg, #F58220, #F6A623);
    color:#fff; text-align:center; padding:32px 24px 24px; position:relative;
    border-radius:20px 20px 0 0;
}
.m-head h2 { font-size:22px; font-weight:800; margin-bottom:4px; }
.m-head p { font-size:14px; opacity:0.85; }
.m-head-badge {
    display:inline-block; background:rgba(255,255,255,0.2); padding:4px 16px;
    border-radius:20px; font-size:12px; font-weight:700; margin-bottom:12px;
}
.m-x {
    position:absolute; top:14px; right:14px; width:34px; height:34px;
    border:none; background:rgba(255,255,255,0.25); color:#fff;
    border-radius:50%; font-size:22px; cursor:pointer; display:flex;
    align-items:center; justify-content:center; line-height:1;
}
.m-x:hover { background:rgba(255,255,255,0.4); }

/* Body */
.m-body { padding:24px; }
.m-body-offers { padding:20px; max-height:65vh; overflow-y:auto; }
.m-body-offers::-webkit-scrollbar { display:none; }
.m-body-offers { -ms-overflow-style:none; scrollbar-width:none; }

/* Form fields */
.m-field { margin-bottom:16px; }
.m-label { display:block; font-size:14px; font-weight:700; color:#2D3A87; margin-bottom:6px; }
.m-req { color:#EF4444; }

.m-input-wrap {
    position:relative; display:flex; align-items:center;
    border:2px solid #E5E5EF; border-radius:12px; transition:border 0.2s; background:#fff;
}
.m-input-wrap:focus-within { border-color:#2D3A87; }
.m-input-wrap:has(.error) { border-color:#EF4444; }

.m-input-icon {
    position:absolute; left:14px; font-size:18px; color:#8E8EA0; pointer-events:none; z-index:1;
}
.m-input {
    width:100%; padding:14px 16px; border:none; border-radius:12px;
    font-size:15px; font-family:inherit; color:#1A1A2E; outline:none; background:transparent;
}
.m-input-icon-pad { padding-left:42px; }
.m-input.error { color:#EF4444; }
.m-input::placeholder { color:#B0B0C0; }

/* Phone with prefix */
.m-phone-wrap { gap:0; }
.m-phone-prefix {
    padding:14px 12px 14px 16px; font-size:16px; font-weight:700; color:#2D3A87;
    border-right:2px solid #E5E5EF; white-space:nowrap; flex-shrink:0;
    background:#F8F8FB; border-radius:10px 0 0 10px;
}
.m-input-phone { padding-left:14px; border-radius:0 10px 10px 0; }

.m-divider { height:1px; background:#E5E5EF; margin:20px 0 16px; }

.m-check {
    display:flex; align-items:flex-start; gap:10px; cursor:pointer;
    font-size:13px; color:#666; margin-bottom:10px; line-height:1.4;
}
.m-check input { margin-top:3px; accent-color:#2D3A87; width:18px; height:18px; flex-shrink:0; }
.m-check a { color:#2D3A87; font-weight:600; text-decoration:underline; }

.m-submit {
    width:100%; padding:17px; margin-top:12px;
    background:linear-gradient(135deg,#F58220,#E06D0A); color:#fff; font-size:17px; font-weight:800;
    border:none; border-radius:12px; cursor:pointer; font-family:inherit;
    transition:all 0.25s; box-shadow:0 4px 14px rgba(245,130,32,0.3);
    position:relative; overflow:hidden;
}
.m-submit::after {
    content:''; position:absolute; inset:0;
    background:linear-gradient(135deg,rgba(255,255,255,0.12),transparent);
    opacity:0; transition:opacity 0.25s;
}
.m-submit:hover { transform:translateY(-2px); box-shadow:0 6px 20px rgba(245,130,32,0.4); }
.m-submit:hover::after { opacity:1; }
.m-submit:active { transform:translateY(0); }

.m-skip {
    width:100%; padding:12px; margin-top:8px;
    background:none; color:#8E8EA0; font-size:14px; font-weight:600;
    border:none; cursor:pointer; font-family:inherit; text-decoration:underline;
}
.m-skip:hover { color:#2D3A87; }

.m-trust-row {
    display:flex; justify-content:center; gap:16px; flex-wrap:wrap;
    margin-top:16px; padding-top:16px; border-top:1px solid #E5E5EF;
    font-size:11px; color:#8E8EA0; font-weight:600;
}
.m-trust-row span { display:flex; align-items:center; gap:4px; }

.m-head-summary {
    display:inline-block; margin-top:12px; padding:6px 20px;
    background:rgba(255,255,255,0.15); border-radius:20px;
    font-size:14px; font-weight:700;
}

/* Loading */
.m-spinner {
    width:100px; height:100px; margin:0 auto 20px; position:relative;
}
.m-spinner svg { width:100%; height:100%; transform:rotate(-90deg); }
.m-spinner-pct {
    position:absolute; inset:0; display:flex; align-items:center; justify-content:center;
    font-size:24px; font-weight:900; color:#F58220;
}

.m-load-step {
    display:flex; align-items:center; gap:12px; padding:12px 16px; margin:6px 0;
    border-radius:10px; background:#f5f5f5; opacity:0.35; text-align:left;
    font-size:14px; font-weight:600; color:#555; transition: all 0.3s;
}
.m-load-step.on { opacity:1; background:#FFF3E6; color:#B45309; }
.m-load-step.done { opacity:1; background:#DCFCE7; color:#166534; }
.m-load-dot {
    width:28px; height:28px; border-radius:50%; background:#ddd; color:#fff;
    display:flex; align-items:center; justify-content:center;
    font-size:13px; font-weight:800; flex-shrink:0;
}
.m-load-step.on .m-load-dot { background:#F58220; }
.m-load-step.done .m-load-dot { background:#22C55E; }

/* Disclaimer */
.m-disclaimer { font-size:11px; color:#999; text-align:center; margin-top:16px; line-height:1.5; }

@media(max-width:600px){
    .m-overlay { padding:10px; align-items:flex-start; padding-top:40px; }
    .m-head h2 { font-size:18px; }
    .m-body { padding:16px; }
}

/* ===== OFFER CARD (ocard) ===== */
.ocard {
    background:#fff; border:2px solid #E5E5EF; border-radius:16px;
    margin-bottom:16px; overflow:hidden; transition: border-color 0.2s, box-shadow 0.2s;
}
.ocard:hover { border-color:#F58220; box-shadow:0 6px 20px rgba(0,0,0,0.08); }
.ocard-best { border-color:#F58220; }

/* Rank bar */
.ocard-rank {
    display:flex; justify-content:space-between; align-items:center;
    padding:8px 16px; font-size:12px; font-weight:700; color:#fff;
}
.ocard-best .ocard-rank { background:linear-gradient(90deg,#F58220,#F6A623); }
.ocard:not(.ocard-best) .ocard-rank { background:#2D3A87; }
.ocard-rank-tag {
    background:rgba(255,255,255,0.25); padding:2px 10px; border-radius:12px; font-size:11px;
}

/* Logo area */
.ocard-logo-area { padding:24px 24px 14px; }
.ocard-logo {
    display:block;
    width:220px;
    height:80px;
    object-fit:contain;
    object-position:left center;
    background:#F5F5FA;
    border:2px solid #EBEBF0;
    border-radius:16px;
    padding:14px 24px;
    margin-bottom:12px;
}
.ocard-meta {}
.ocard-name { display:none; }
.ocard-usp {
    display:inline-block; margin-top:6px; padding:4px 12px;
    background:#DCFCE7; color:#166534; font-size:12px; font-weight:700;
    border-radius:6px;
}

/* Description */
.ocard-desc { padding:0 20px 14px; font-size:13px; color:#666; line-height:1.6; }

/* Info boxes */
.ocard-boxes {
    display:grid; grid-template-columns:repeat(3,1fr); gap:8px;
    padding:0 20px 16px;
}
.ocard-box {
    text-align:center; padding:12px 6px; background:#F8F8FB;
    border:1px solid #E5E5EF; border-radius:10px;
}
.ocard-box-label { font-size:10px; font-weight:600; color:#8E8EA0; text-transform:uppercase; letter-spacing:0.04em; margin-bottom:4px; }
.ocard-box-val { font-size:14px; font-weight:800; color:#2D3A87; line-height:1.2; }

/* CTA */
.ocard-cta {
    display:flex; align-items:center; justify-content:center; gap:8px;
    margin:0 20px 16px; text-align:center;
    padding:16px 24px; background:linear-gradient(135deg,#22C55E,#16A34A); color:#fff;
    font-size:17px; font-weight:800; border-radius:12px;
    text-decoration:none; transition:all 0.25s; position:relative; overflow:hidden;
    box-shadow:0 4px 12px rgba(34,197,94,0.25);
}
.ocard-cta::after {
    content:''; position:absolute; inset:0;
    background:linear-gradient(135deg,rgba(255,255,255,0.15),transparent);
    transition:opacity 0.25s; opacity:0;
}
.ocard-cta:hover { transform:translateY(-2px); box-shadow:0 6px 20px rgba(34,197,94,0.35); }
.ocard-cta:hover::after { opacity:1; }
.ocard-cta:active { transform:translateY(0); }

/* Small print */
.ocard-fine { padding:0 20px 14px; font-size:10px; color:#aaa; line-height:1.5; }

@media(max-width:500px){
    .ocard-boxes { grid-template-columns:repeat(2,1fr); }
    .ocard-logo { width:180px; height:65px; padding:10px 18px; }
    .ocard-name { font-size:17px; }
}

/* old modal classes (unused, kept for reference) */
/*
.modal-overlay {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(15, 23, 42, 0.6);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    z-index: 2000;
    align-items: center;
    justify-content: center;
    padding: 20px;
    overflow-y: auto;
}

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

.modal {
    background: var(--white);
    border-radius: var(--radius-xl);
    width: 100%;
    max-width: 520px;
    position: relative;
    box-shadow: 0 25px 60px rgba(0, 0, 0, 0.25);
    animation: modalIn 0.35s ease;
    max-height: 90vh;
    overflow-y: auto;
}

.modal-overlay.active .modal.offers-mode {
    max-width: 720px;
}

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

.modal-close {
    position: absolute;
    top: 16px;
    right: 16px;
    width: 36px;
    height: 36px;
    border: none;
    background: var(--bg);
    border-radius: 50%;
    font-size: 22px;
    color: var(--text-light);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
    z-index: 10;
    line-height: 1;
}

.modal-close:hover {
    background: var(--border);
    color: var(--text);
}

.modal-screen {
    display: none;
}

.modal-screen.active {
    display: block;
}

.modal-header {
    padding: 32px 28px 0;
    text-align: center;
}

.modal-header h3 {
    font-size: 22px;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 4px;
}

.modal-header p {
    font-size: 14px;
    color: var(--text-secondary);
    margin-bottom: 0;
}

.modal-header .offers-success-icon {
    margin-bottom: 12px;
}

.modal-body {
    padding: 24px 28px 28px;
}

.modal-body .loading-spinner {
    margin-bottom: 24px;
}

.modal-body .loading-steps {
    text-align: left;
    margin-top: 24px;
}

.modal-body .offers-list {
    max-height: 55vh;
    overflow-y: auto;
    padding-right: 4px;
}

.modal-body .offers-footer {
    margin-top: 20px;
}

/* Scrollbar in modal offers */
.modal-body .offers-list::-webkit-scrollbar {
    width: 5px;
}

.modal-body .offers-list::-webkit-scrollbar-track {
    background: var(--border-light);
    border-radius: 10px;
}

.modal-body .offers-list::-webkit-scrollbar-thumb {
    background: var(--border);
    border-radius: 10px;
}

@media (max-width: 768px) {
    .modal-overlay {
        padding: 12px;
        align-items: flex-start;
        padding-top: 60px;
    }

    .modal {
        max-height: 85vh;
    }

    .modal-header {
        padding: 28px 20px 0;
    }

    .modal-body {
        padding: 20px;
    }
}

*/
/* ===== FORM SECTION (kept for content pages) ===== */
.form-section {
    padding: 80px 0;
    background: var(--bg);
}

.form-section .section-header {
    margin-bottom: 40px;
}

.form-wrapper {
    max-width: 560px;
    margin: 0 auto;
}

.form-step {
    display: none;
    animation: fadeIn 0.4s ease;
}

.form-step.active {
    display: block;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(16px); }
    to { opacity: 1; transform: translateY(0); }
}

/* Step Indicator */
.step-indicator {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    margin-bottom: 32px;
}

.step-dot {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--border-light);
    border: 2px solid var(--border);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    font-weight: 700;
    color: var(--text-light);
    transition: var(--transition);
    flex-shrink: 0;
}

.step-dot.active {
    background: var(--orange);
    border-color: var(--orange);
    color: white;
    box-shadow: 0 0 0 4px var(--orange-light);
}

.step-dot.completed {
    background: var(--navy);
    border-color: var(--navy);
    color: white;
}

.step-line {
    width: 80px;
    height: 2px;
    background: var(--border);
    transition: var(--transition);
}

.step-line.filled {
    background: var(--navy);
}

/* Form Card */
.form-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 36px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-light);
}

.form-card h3 {
    font-size: 22px;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 4px;
}

.form-card .form-subtitle {
    font-size: 14px;
    color: var(--text-secondary);
    margin-bottom: 28px;
}

/* Slider Styles */
.slider-group {
    margin-bottom: 28px;
}

.slider-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 14px;
}

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

.slider-value {
    font-size: 22px;
    font-weight: 800;
    color: var(--orange);
    letter-spacing: -0.02em;
}

.slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 8px;
    border-radius: var(--radius-full);
    background: var(--border-light);
    outline: none;
    cursor: pointer;
}

.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--navy);
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(45, 58, 135, 0.3);
    border: 4px solid white;
}

.slider::-moz-range-thumb {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--navy);
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(45, 58, 135, 0.3);
    border: 4px solid white;
}

.slider-range {
    display: flex;
    justify-content: space-between;
    margin-top: 8px;
    font-size: 12px;
    color: var(--text-light);
}

/* Loan Summary */
.loan-summary {
    background: var(--navy-50);
    border-radius: var(--radius);
    padding: 20px;
    margin-bottom: 24px;
    border: 1px solid var(--navy-light);
}

.loan-summary-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.loan-summary-row + .loan-summary-row {
    margin-top: 10px;
    padding-top: 10px;
    border-top: 1px solid var(--navy-light);
}

.loan-summary-row span {
    font-size: 14px;
    color: var(--text-secondary);
}

.loan-summary-row strong {
    font-size: 16px;
    font-weight: 700;
    color: var(--navy);
}

/* Input Fields */
.input-group {
    margin-bottom: 20px;
}

.input-group label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    color: var(--text);
    margin-bottom: 6px;
    text-transform: uppercase;
    letter-spacing: 0.03em;
}

.input-group input,
.input-group select {
    width: 100%;
    padding: 14px 16px;
    border: 2px solid var(--border);
    border-radius: var(--radius);
    font-size: 15px;
    font-family: inherit;
    color: var(--text);
    background: var(--white);
    transition: var(--transition);
    outline: none;
}

.input-group input:focus,
.input-group select:focus {
    border-color: var(--orange);
    box-shadow: 0 0 0 4px var(--orange-light);
}

.input-group input.error {
    border-color: var(--danger);
    box-shadow: 0 0 0 4px #FEE2E2;
}

.input-error {
    display: none;
    font-size: 12px;
    color: var(--danger);
    margin-top: 4px;
    font-weight: 500;
}

.input-group input.error ~ .input-error {
    display: block;
}

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

/* Checkbox */
.checkbox-group {
    margin-bottom: 24px;
}

.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    cursor: pointer;
    font-size: 13px;
    color: var(--text-secondary);
    line-height: 1.5;
}

.checkbox-label input { display: none; }

.checkmark {
    width: 22px;
    height: 22px;
    border: 2px solid var(--border);
    border-radius: 6px;
    flex-shrink: 0;
    position: relative;
    transition: var(--transition);
    margin-top: 1px;
}

.checkbox-label input:checked ~ .checkmark {
    background: var(--orange);
    border-color: var(--orange);
}

.checkbox-label input:checked ~ .checkmark::after {
    content: '';
    position: absolute;
    top: 3px;
    left: 6px;
    width: 6px;
    height: 10px;
    border: solid white;
    border-width: 0 2.5px 2.5px 0;
    transform: rotate(45deg);
}

.checkbox-label a {
    color: var(--orange);
    font-weight: 600;
}

.checkbox-label a:hover {
    text-decoration: underline;
}

/* Buttons */
.btn-primary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    width: 100%;
    padding: 16px 32px;
    background: var(--orange);
    color: white;
    font-size: 16px;
    font-weight: 700;
    border: none;
    border-radius: var(--radius);
    cursor: pointer;
    transition: var(--transition);
}

.btn-primary:hover {
    background: var(--orange-dark);
    box-shadow: var(--shadow-orange);
    transform: translateY(-1px);
}

.btn-navy {
    background: var(--navy);
}

.btn-navy:hover {
    background: var(--navy-dark);
    box-shadow: 0 4px 14px rgba(45, 58, 135, 0.35);
}

.btn-secondary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 16px 24px;
    background: var(--bg);
    color: var(--text-secondary);
    font-size: 16px;
    font-weight: 600;
    border: 2px solid var(--border);
    border-radius: var(--radius);
    cursor: pointer;
    transition: var(--transition);
}

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

.btn-outline {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 28px;
    background: transparent;
    color: var(--orange);
    font-size: 15px;
    font-weight: 700;
    border: 2px solid var(--orange);
    border-radius: var(--radius);
    cursor: pointer;
    transition: var(--transition);
}

.btn-outline:hover {
    background: var(--orange);
    color: white;
}

.btn-lg {
    padding: 18px 40px;
    font-size: 17px;
}

.form-buttons {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 12px;
}

/* ===== LOADING SCREEN ===== */
.loading-screen {
    display: none;
    max-width: 480px;
    margin: 0 auto;
    animation: fadeIn 0.4s ease;
}

.loading-screen.active {
    display: block;
}

.loading-card {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 48px 36px;
    box-shadow: var(--shadow-md);
    text-align: center;
}

.loading-spinner {
    width: 120px;
    height: 120px;
    margin: 0 auto 28px;
    position: relative;
}

.loading-spinner svg {
    width: 100%;
    height: 100%;
    transform: rotate(-90deg);
}

.spinner-track { stroke: var(--border-light); }
.spinner-circle {
    stroke: var(--orange);
    transition: stroke-dashoffset 0.3s ease;
}

.loading-percent {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    font-size: 28px;
    font-weight: 800;
    color: var(--orange);
}

.loading-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 28px;
}

.loading-steps {
    display: flex;
    flex-direction: column;
    gap: 12px;
    text-align: left;
}

.loading-step {
    display: flex;
    align-items: center;
    gap: 14px;
    padding: 14px 16px;
    border-radius: var(--radius);
    background: var(--bg);
    transition: var(--transition);
    opacity: 0.4;
}

.loading-step.active {
    opacity: 1;
    background: var(--orange-light);
}

.loading-step.completed {
    opacity: 1;
}

.loading-step-icon {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--border-light);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    color: var(--text-light);
    transition: var(--transition);
}

.loading-step.active .loading-step-icon {
    background: var(--orange);
    color: white;
}

.loading-step.completed .loading-step-icon {
    background: var(--navy);
    color: white;
}

.loading-step span {
    font-size: 14px;
    font-weight: 500;
    color: var(--text-secondary);
}

.loading-step.active span {
    color: var(--text);
    font-weight: 600;
}

/* ===== OFFERS SCREEN ===== */
.offers-screen {
    display: none;
    max-width: 700px;
    margin: 0 auto;
    animation: fadeIn 0.5s ease;
}

.offers-screen.active {
    display: block;
}

.offers-header {
    text-align: center;
    margin-bottom: 32px;
}

.offers-success-icon {
    margin-bottom: 16px;
    animation: scaleIn 0.5s ease;
}

@keyframes scaleIn {
    from { transform: scale(0); }
    50% { transform: scale(1.2); }
    to { transform: scale(1); }
}

.offers-header h2 {
    font-size: 26px;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 8px;
}

.offers-header h2 span { color: var(--orange); }

.offers-header p {
    font-size: 15px;
    color: var(--text-secondary);
}

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

/* Offer Card — Professional */
.offer-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 0;
    box-shadow: var(--shadow);
    border: 2px solid var(--border-light);
    transition: var(--transition);
    animation: fadeIn 0.35s ease backwards;
    overflow: hidden;
}

.offer-card:nth-child(1) { animation-delay: 0.05s; }
.offer-card:nth-child(2) { animation-delay: 0.15s; }
.offer-card:nth-child(3) { animation-delay: 0.25s; }
.offer-card:nth-child(4) { animation-delay: 0.35s; }

.offer-card:hover {
    border-color: var(--orange);
    box-shadow: var(--shadow-md);
}

.offer-card.featured {
    border-color: var(--orange);
    position: relative;
}

.offer-badge {
    position: absolute;
    top: 0;
    right: 20px;
    background: var(--orange);
    color: white;
    font-size: 10px;
    font-weight: 700;
    padding: 4px 12px;
    border-radius: 0 0 8px 8px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

/* Header */
.offer-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 22px 24px 16px;
}

.offer-brand {
    display: flex;
    align-items: center;
    gap: 14px;
}

.offer-logo-img {
    width: 56px;
    height: 56px;
    border-radius: var(--radius);
    object-fit: contain;
    flex-shrink: 0;
    background: var(--bg);
    border: 1px solid var(--border-light);
    padding: 5px;
}

.offer-logo-fallback {
    width: 56px;
    height: 56px;
    border-radius: var(--radius);
    align-items: center;
    justify-content: center;
    font-size: 24px;
    font-weight: 800;
    color: white;
    flex-shrink: 0;
}

.offer-name {
    font-size: 19px;
    font-weight: 800;
    color: var(--navy);
    line-height: 1.2;
}

.offer-tagline {
    font-size: 13px;
    color: var(--text-light);
    margin-top: 3px;
    font-weight: 500;
    font-style: italic;
}

.offer-approval {
    text-align: center;
    background: var(--success-light);
    border-radius: var(--radius);
    padding: 10px 16px;
    flex-shrink: 0;
}

.offer-approval-pct {
    font-size: 24px;
    font-weight: 900;
    color: var(--success);
    line-height: 1;
}

.offer-approval-lbl {
    font-size: 10px;
    color: var(--success);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    margin-top: 2px;
}

/* Promo banner */
.offer-promo {
    display: flex;
    align-items: center;
    gap: 8px;
    margin: 0 24px 16px;
    padding: 10px 16px;
    background: linear-gradient(90deg, #FFF8E1, #FFF3CD);
    border-radius: var(--radius-sm);
    border: 1px solid #FFE082;
    font-size: 13px;
    font-weight: 700;
    color: #92400E;
}

.offer-promo svg { flex-shrink: 0; }

/* Details Grid */
.offer-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1px;
    background: var(--border-light);
    margin: 0 24px 16px;
    border-radius: var(--radius);
    overflow: hidden;
    border: 1px solid var(--border-light);
}

.offer-cell {
    background: var(--bg);
    padding: 12px 10px;
    text-align: center;
}

.offer-cell-label {
    font-size: 10px;
    color: var(--text-light);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.04em;
    margin-bottom: 4px;
}

.offer-cell-value {
    font-size: 13px;
    font-weight: 700;
    color: var(--navy);
    line-height: 1.3;
}

/* Tags */
.offer-tags {
    display: flex;
    gap: 6px;
    flex-wrap: wrap;
    padding: 0 24px 16px;
}

.offer-tag {
    display: flex;
    align-items: center;
    gap: 4px;
    font-size: 11px;
    font-weight: 600;
    color: var(--text-secondary);
    padding: 4px 10px;
    background: var(--bg);
    border-radius: var(--radius-full);
}

.offer-tag svg {
    width: 12px;
    height: 12px;
    color: var(--success);
    flex-shrink: 0;
}

.offer-cta {
    text-decoration: none;
    display: flex;
    margin: 0 24px 22px;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 15px;
    background: var(--orange);
    color: white;
    font-size: 15px;
    font-weight: 700;
    border: none;
    border-radius: var(--radius);
    cursor: pointer;
    transition: var(--transition);
    font-family: inherit;
}

.offer-cta:hover {
    background: var(--orange-dark);
    box-shadow: var(--shadow-orange);
    transform: translateY(-1px);
}

.offers-footer {
    text-align: center;
    margin-top: 28px;
}

/* ===== OFFER CARD (ocard) ===== */
.ocard {
    background: #fff;
    border: 2px solid #E5E5EF;
    border-radius: 16px;
    margin-bottom: 16px;
    padding: 0;
    position: relative;
    transition: border-color 0.2s, box-shadow 0.2s;
    overflow: hidden;
}
.ocard:hover { border-color: #F58220; box-shadow: 0 8px 24px rgba(45,58,135,0.1); }
.ocard-best { border-color: #F58220; }

.ocard-badge {
    position: absolute; top: 0; right: 16px;
    background: #F58220; color: #fff;
    font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em;
    padding: 4px 14px; border-radius: 0 0 8px 8px;
}

/* (old duplicate ocard block removed) */

/* ===== SECTION HEADER ===== */
.section-header {
    text-align: center;
    margin-bottom: 56px;
}

.section-header h2 {
    font-size: 36px;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -0.02em;
    margin-bottom: 12px;
}

.section-header p {
    font-size: 17px;
    color: var(--text-secondary);
    max-width: 600px;
    margin: 0 auto;
}

.section-badge {
    display: inline-flex;
    align-items: center;
    padding: 6px 16px;
    background: var(--orange-light);
    color: var(--orange-dark);
    font-size: 12px;
    font-weight: 700;
    border-radius: var(--radius-full);
    margin-bottom: 16px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

/* ===== HOW IT WORKS ===== */
.how-it-works {
    padding: 100px 0;
    background: var(--white);
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    position: relative;
}

.steps-grid::before {
    content: '';
    position: absolute;
    top: 48px;
    left: 12.5%;
    right: 12.5%;
    height: 2px;
    background: var(--border);
    z-index: 0;
}

.step-card {
    text-align: center;
    padding: 32px 20px;
    position: relative;
    z-index: 1;
}

.step-number {
    width: 48px;
    height: 48px;
    background: var(--orange);
    color: white;
    font-size: 20px;
    font-weight: 800;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    box-shadow: var(--shadow-orange);
}

.step-icon {
    width: 64px;
    height: 64px;
    margin: 0 auto 16px;
    background: var(--navy-50);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
}

.step-icon svg {
    width: 32px;
    height: 32px;
    color: var(--navy);
}

.step-card h3 {
    font-size: 16px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 8px;
}

.step-card p {
    font-size: 13px;
    color: var(--text-secondary);
    line-height: 1.5;
}

/* ===== ADVANTAGES ===== */
.advantages {
    padding: 100px 0;
    background: var(--bg);
}

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

.advantage-card {
    padding: 32px 24px;
    background: var(--white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-light);
    transition: var(--transition);
}

.advantage-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--orange);
}

.advantage-icon {
    width: 48px;
    height: 48px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 16px;
}

.advantage-icon svg {
    width: 24px !important;
    height: 24px !important;
}

.advantage-icon.orange { background: var(--orange-light); color: var(--orange); }
.advantage-icon.navy { background: var(--navy-50); color: var(--navy); }
.advantage-icon.success { background: var(--success-light); color: var(--success); }

.advantage-card h3 {
    font-size: 16px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 8px;
}

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

/* ===== PARTNERS ===== */
.partners {
    padding: 80px 0;
    background: var(--white);
}

.partners-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 20px;
}

.partner-card {
    padding: 24px 16px;
    background: var(--bg);
    border-radius: var(--radius);
    text-align: center;
    border: 1px solid var(--border-light);
    transition: var(--transition);
}

.partner-card:hover {
    border-color: var(--orange);
    box-shadow: var(--shadow);
}

.partner-logo-img {
    width: 100%;
    height: 56px;
    object-fit: contain;
    margin: 0 auto 12px;
    display: block;
    background: #F8F8FB;
    border: 1px solid #EBEBF0;
    border-radius: var(--radius);
    padding: 8px 16px;
}

.partner-logo {
    width: 56px;
    height: 56px;
    border-radius: var(--radius);
    margin: 0 auto 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    font-weight: 800;
    color: white;
}

.seo-text {
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.8;
    margin-bottom: 16px;
}

.partner-name {
    font-size: 14px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 4px;
}

.partner-desc {
    font-size: 11px;
    color: var(--text-light);
}

/* ===== FAQ ===== */
.faq {
    padding: 100px 0;
    background: var(--bg);
}

.faq-list {
    max-width: 740px;
    margin: 0 auto;
}

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

.faq-item.active {
    border-color: var(--orange);
    box-shadow: var(--shadow);
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    background: none;
    border: none;
    cursor: pointer;
    text-align: left;
    font-family: inherit;
}

.faq-question > span {
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    padding-right: 16px;
}

.auto-year {
    display: inline !important;
    font: inherit !important;
    color: inherit !important;
    padding: 0 !important;
}

.faq-arrow {
    flex-shrink: 0;
    width: 32px;
    height: 32px;
    background: var(--bg);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--text-light);
    transition: var(--transition);
}

.faq-arrow svg {
    width: 18px;
    height: 18px;
}

.faq-item.active .faq-arrow {
    background: var(--orange);
    color: white;
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.faq-item.active .faq-answer {
    max-height: 300px;
}

.faq-answer-inner {
    padding: 0 24px 20px;
}

.faq-answer p {
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.7;
}

/* ===== CTA SECTION ===== */
.cta-section {
    padding: 80px 0;
    background: var(--white);
}

.cta-card {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
    border-radius: var(--radius-xl);
    padding: 64px 48px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta-card::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 400px;
    height: 400px;
    background: var(--orange);
    border-radius: 50%;
    opacity: 0.1;
}

.cta-card::after {
    content: '';
    position: absolute;
    bottom: -40%;
    left: -10%;
    width: 300px;
    height: 300px;
    background: var(--orange);
    border-radius: 50%;
    opacity: 0.05;
}

.cta-card h2 {
    font-size: 32px;
    font-weight: 800;
    color: white;
    margin-bottom: 12px;
    position: relative;
    z-index: 1;
}

.cta-card p {
    font-size: 17px;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 32px;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
    position: relative;
    z-index: 1;
}

.cta-card .btn-primary {
    width: auto;
    background: var(--orange);
    position: relative;
    z-index: 1;
}

.cta-card .btn-primary:hover {
    background: var(--orange-dark);
}

/* ===== FOOTER ===== */
.footer {
    background: var(--navy);
    color: white;
    padding: 64px 0 0;
}

.footer-top {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-brand .logo {
    margin-bottom: 16px;
}

.footer-brand .logo-k,
.footer-brand .logo-rest {
    color: white;
}

.footer-brand .logo-kz {
    color: rgba(255, 255, 255, 0.5);
}

.footer-brand > p {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.5);
    line-height: 1.7;
    max-width: 280px;
}

.footer-col h4 {
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: rgba(255, 255, 255, 0.4);
    margin-bottom: 20px;
}

.footer-col a {
    display: block;
    font-size: 14px;
    color: rgba(255, 255, 255, 0.7);
    padding: 5px 0;
}

.footer-col a:hover {
    color: var(--orange);
}

.footer-bottom {
    padding: 28px 0;
}

.footer-bottom p {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.35);
    line-height: 1.6;
}

.footer-disclaimer {
    margin-top: 12px;
    font-size: 11px !important;
    max-width: 800px;
}

/* ===== CONTENT PAGES ===== */
.page-hero {
    padding: 120px 0 48px;
    background: linear-gradient(135deg, var(--navy-50) 0%, var(--orange-light) 100%);
    text-align: center;
}

.page-hero h1 {
    font-size: 40px;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 12px;
}

.page-hero p {
    font-size: 17px;
    color: var(--text-secondary);
    max-width: 600px;
    margin: 0 auto;
}

.breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    justify-content: center;
    margin-bottom: 24px;
    font-size: 13px;
}

.breadcrumb a {
    color: var(--text-light);
}

.breadcrumb a:hover {
    color: var(--orange);
}

.breadcrumb span {
    color: var(--text-light);
}

.breadcrumb .current {
    color: var(--navy);
    font-weight: 600;
}

/* Content */
.content-section {
    padding: 80px 0;
}

.content-wrapper {
    max-width: 800px;
    margin: 0 auto;
}

.content-wrapper h2 {
    font-size: 28px;
    font-weight: 800;
    color: var(--navy);
    margin: 48px 0 16px;
}

.content-wrapper h2:first-child {
    margin-top: 0;
}

.content-wrapper h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--navy);
    margin: 32px 0 12px;
}

.content-wrapper p {
    font-size: 16px;
    color: var(--text-secondary);
    line-height: 1.8;
    margin-bottom: 16px;
}

.content-wrapper ul,
.content-wrapper ol {
    margin: 16px 0;
    padding-left: 24px;
}

.content-wrapper li {
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.7;
    margin-bottom: 8px;
}

.content-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 32px;
    box-shadow: var(--shadow);
    border: 1px solid var(--border-light);
    margin: 24px 0;
}

.content-card.orange {
    border-color: var(--orange);
    background: var(--orange-50);
}

.content-card.navy {
    border-color: var(--navy-light);
    background: var(--navy-50);
}

.content-card h4 {
    font-size: 17px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.info-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
    margin: 24px 0;
}

.info-item {
    padding: 20px;
    background: var(--white);
    border-radius: var(--radius);
    border: 1px solid var(--border-light);
}

.info-item h4 {
    font-size: 14px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 4px;
}

.info-item p {
    font-size: 14px;
    color: var(--text-secondary);
    margin-bottom: 0;
}

/* Steps List */
.steps-list {
    counter-reset: step;
    margin: 24px 0;
}

.step-item {
    display: flex;
    gap: 20px;
    padding: 24px 0;
    border-bottom: 1px solid var(--border-light);
}

.step-item:last-child {
    border-bottom: none;
}

.step-item-num {
    counter-increment: step;
    width: 40px;
    height: 40px;
    background: var(--orange);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 16px;
    font-weight: 800;
    flex-shrink: 0;
}

.step-item-content h4 {
    font-size: 16px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 6px;
}

.step-item-content p {
    font-size: 14px;
    margin-bottom: 0;
}

/* Table */
.content-table {
    width: 100%;
    border-collapse: collapse;
    margin: 24px 0;
    background: var(--white);
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}

.content-table th {
    background: var(--navy);
    color: white;
    padding: 14px 16px;
    text-align: left;
    font-size: 13px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.03em;
}

.content-table td {
    padding: 14px 16px;
    font-size: 14px;
    color: var(--text-secondary);
    border-bottom: 1px solid var(--border-light);
}

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

.content-table tr:hover td {
    background: var(--orange-50);
}

/* Recommend row highlight */
.content-table tr[style*="gradient"] td,
.hp-tbl tr[style*="gradient"] td {
    background: transparent !important;
}
.content-table tr[style*="gradient"]:hover td,
.hp-tbl tr[style*="gradient"]:hover td {
    background: rgba(245,130,32,0.08) !important;
}

/* Table offer elements (global) */
.tbl-logo, .content-table .tbl-logo {
    width:160px; height:52px; object-fit:contain;
    border:1px solid #eee; border-radius:10px; padding:6px 14px; background:#F8F8FB;
}
.tbl-cta, .content-table .tbl-cta {
    display:inline-flex; align-items:center; gap:6px;
    padding:10px 22px; background:linear-gradient(135deg,#22C55E,#16A34A);
    color:#fff; font-size:13px; font-weight:700; border-radius:8px;
    text-decoration:none; transition:all 0.25s;
    box-shadow:0 3px 10px rgba(34,197,94,0.2); white-space:nowrap;
}
.tbl-cta:hover, .content-table .tbl-cta:hover {
    transform:translateY(-1px); box-shadow:0 5px 16px rgba(34,197,94,0.3);
}
.tbl-tag, .content-table .tbl-tag {
    display:inline-block; background:#DCFCE7; color:#166534;
    font-size:11px; font-weight:700; padding:3px 10px; border-radius:12px;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .hero .container {
        grid-template-columns: 1fr 360px;
        gap: 32px;
    }

    .hero-amount { font-size: 52px; }
    .hero-period { font-size: 24px; }
    .hero-period strong { font-size: 34px; }

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

    .steps-grid::before { display: none; }

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

    .partners-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (max-width: 768px) {
    .nav, .header-cta { display: none; }
    .mobile-menu-btn { display: flex; }

    .hero {
        padding: 100px 0 48px;
        min-height: auto;
    }

    .hero .container {
        grid-template-columns: 1fr;
        gap: 28px;
    }

    .hero-amount { font-size: 48px; }
    .hero-period { font-size: 22px; margin-bottom: 20px; }
    .hero-period strong { font-size: 32px; }

    .hero-features { gap: 8px; }
    .hero-trust { max-width: 100%; }

    .hero-form-card { max-width: 440px; }

    .section-header h2 { font-size: 28px; }

    .steps-grid {
        grid-template-columns: 1fr;
        max-width: 360px;
        margin: 0 auto;
    }

    .advantages-grid {
        grid-template-columns: 1fr;
        max-width: 400px;
        margin: 0 auto;
    }

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

    .form-card { padding: 24px; }
    .input-row { grid-template-columns: 1fr; }
    .form-buttons { grid-template-columns: 1fr; }

    .offer-details { grid-template-columns: repeat(3, 1fr); gap: 10px; }
    .offer-top { flex-direction: column; align-items: flex-start; gap: 10px; }
    .offer-approval { text-align: left; }

    .footer-top {
        grid-template-columns: 1fr;
        gap: 28px;
    }

    .cta-card { padding: 40px 24px; }
    .cta-card h2 { font-size: 24px; }

    .page-hero h1 { font-size: 28px; }
    .info-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
    .container { padding: 0 16px; }
    .hero-amount { font-size: 40px; }
    .hero-form-body { padding: 20px; }
    .hero-form-label strong { font-size: 22px; }
    .offer-details { grid-template-columns: 1fr; }
    .partners-grid { grid-template-columns: 1fr 1fr; }
}

/* ===== CONTENT PAGE POLISH ===== */

/* Page hero */
.page-hero {
    padding: 120px 0 40px;
    background: linear-gradient(135deg, var(--navy-50) 0%, var(--orange-light) 100%);
    text-align: center;
}
.page-hero h1 {
    font-size: 36px;
    font-weight: 900;
    color: var(--navy);
    margin-bottom: 12px;
    letter-spacing: -0.02em;
}
.page-hero p {
    font-size: 16px;
    color: var(--text-secondary);
    max-width: 600px;
    margin: 0 auto;
    line-height: 1.6;
}
.breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    justify-content: center;
    margin-bottom: 20px;
    font-size: 13px;
    color: var(--text-light);
}
.breadcrumb a { color: var(--text-light); }
.breadcrumb a:hover { color: var(--orange); }
.breadcrumb .current { color: var(--navy); font-weight: 600; }

/* Content section spacing */
.content-section {
    padding: 64px 0;
}
.content-section:nth-child(even) {
    background: var(--bg);
}

/* Content wrapper typography */
.content-wrapper {
    max-width: 800px;
    margin: 0 auto;
}
.content-wrapper h2 {
    font-size: 26px;
    font-weight: 800;
    color: var(--navy);
    margin: 48px 0 16px;
    letter-spacing: -0.01em;
    line-height: 1.25;
}
.content-wrapper h2:first-child { margin-top: 0; }
.content-wrapper h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--navy);
    margin: 32px 0 12px;
}
.content-wrapper p {
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.8;
    margin-bottom: 16px;
}
.content-wrapper ul, .content-wrapper ol {
    margin: 16px 0;
    padding-left: 24px;
}
.content-wrapper li {
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.7;
    margin-bottom: 8px;
}

/* Content cards */
.content-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 28px;
    box-shadow: var(--shadow);
    border: 1px solid var(--border-light);
    margin: 24px 0;
}
.content-card.orange {
    border-color: var(--orange);
    background: var(--orange-50);
}
.content-card.navy {
    border-color: var(--navy-light);
    background: var(--navy-50);
}
.content-card h4 {
    font-size: 16px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 10px;
}

/* Info grid */
.info-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
    margin: 24px 0;
}
.info-item {
    padding: 20px;
    background: var(--white);
    border-radius: var(--radius);
    border: 1px solid var(--border-light);
    transition: var(--transition);
}
.info-item:hover {
    border-color: var(--orange);
    box-shadow: var(--shadow);
}
.info-item h4 {
    font-size: 14px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 4px;
}
.info-item p {
    font-size: 13px;
    color: var(--text-secondary);
    margin-bottom: 0;
}

/* Steps list */
.steps-list {
    counter-reset: step;
    margin: 24px 0;
}
.step-item {
    display: flex;
    gap: 18px;
    padding: 20px 0;
    border-bottom: 1px solid var(--border-light);
}
.step-item:last-child { border-bottom: none; }
.step-item-num {
    width: 36px;
    height: 36px;
    background: var(--orange);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 15px;
    font-weight: 800;
    flex-shrink: 0;
}
.step-item-content h4 {
    font-size: 15px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 4px;
}
.step-item-content p {
    font-size: 14px;
    color: var(--text-secondary);
    margin-bottom: 0;
    line-height: 1.6;
}

/* Content table polish */
.content-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    margin: 24px 0;
    background: var(--white);
    border-radius: var(--radius);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-light);
}
.content-table th {
    background: var(--navy);
    color: white;
    padding: 14px 16px;
    text-align: left;
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.03em;
}
.content-table td {
    padding: 14px 16px;
    font-size: 14px;
    color: var(--text-secondary);
    border-bottom: 1px solid var(--border-light);
    vertical-align: middle;
}
.content-table tr:last-child td { border-bottom: none; }
.content-table tr:hover td { background: var(--orange-50); }

/* CTA section polish */
.cta-section {
    padding: 64px 0;
}
.cta-card {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
    border-radius: var(--radius-xl);
    padding: 56px 40px;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.cta-card h2 {
    font-size: 28px;
    font-weight: 800;
    color: white;
    margin-bottom: 12px;
}
.cta-card p {
    font-size: 16px;
    color: rgba(255,255,255,0.75);
    margin-bottom: 28px;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
}

/* SEO text */
.seo-text {
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.8;
    margin-bottom: 16px;
}

/* ===== COMPREHENSIVE MOBILE FIX ===== */

/* Tables on mobile */
@media (max-width: 768px) {
    /* Regular tables — horizontal scroll */
    .content-table { display:block; overflow-x:auto; -webkit-overflow-scrolling:touch; }
    .content-table th, .content-table td { font-size:13px; padding:10px 12px; white-space:nowrap; }
    .content-table td:first-child { white-space:normal; min-width:90px; }

    /* Offer tables (with tbl-logo) — card layout */
    .content-table.offer-table, .content-table:has(.tbl-logo) thead, .hp-tbl thead { display:none; }
    .content-table.offer-table, .content-table:has(.tbl-logo), .hp-tbl { display:block !important; overflow:visible !important; border:none; box-shadow:none; }
    .content-table.offer-table, .content-table:has(.tbl-logo) tbody, .hp-tbl tbody { display:flex; flex-direction:column; gap:16px; }
    .content-table.offer-table, .content-table:has(.tbl-logo) tr, .hp-tbl tr {
        display:flex; flex-wrap:wrap; gap:8px; padding:16px;
        background:#fff; border-radius:12px; border:1px solid #E5E5EF;
        box-shadow:0 2px 8px rgba(0,0,0,0.04);
    }
    .content-table.offer-table, .content-table:has(.tbl-logo) tr[style*="gradient"], .hp-tbl tr[style*="gradient"] {
        border-color:#F58220 !important;
    }
    .content-table.offer-table, .content-table:has(.tbl-logo) td, .hp-tbl td {
        display:block; border:none; padding:4px 0; font-size:14px;
        background:transparent !important; min-width:auto; white-space:normal;
    }
    /* Logo cell - full width */
    .content-table.offer-table, .content-table:has(.tbl-logo) td:first-child, .hp-tbl td:first-child {
        width:100%; text-align:center; padding-bottom:8px;
        border-bottom:1px solid #f0f0f5; margin-bottom:4px;
    }
    /* Data cells - grid with borders */
    .content-table.offer-table, .content-table:has(.tbl-logo) td:not(:first-child):not(:last-child),
    .hp-tbl td:not(:first-child):not(:last-child) {
        width:calc(50% - 4px); font-size:13px;
        background:#F8F8FB !important;
        border:1px solid #E5E5EF;
        border-radius:8px;
        padding:10px 12px !important;
        text-align:center;
    }
    .content-table.offer-table, .content-table:has(.tbl-logo) td:not(:first-child):not(:last-child) strong,
    .hp-tbl td:not(:first-child):not(:last-child) strong {
        display:block; color:#2D3A87; font-size:14px;
    }
    .content-table.offer-table, .content-table:has(.tbl-logo) td:not(:first-child):not(:last-child) small,
    .hp-tbl td:not(:first-child):not(:last-child) small {
        color:#8E8EA0; font-size:11px;
    }
    /* CTA cell - full width */
    .content-table.offer-table, .content-table:has(.tbl-logo) td:last-child, .hp-tbl td:last-child {
        width:100%; margin-top:8px;
    }
    .tbl-logo, .content-table .tbl-logo { width:140px; height:48px; padding:6px 12px; }
    .tbl-cta, .content-table .tbl-cta { width:100%; justify-content:center; padding:12px; font-size:14px; }
    .hp-table-wrap { margin:0 -16px; padding:0 16px; overflow:visible; }
    .content-table.offer-table, .content-table:has(.tbl-logo) tr[style*="gradient"] td { background:transparent !important; }
}

/* Mobile CTA in nav */
@media (max-width: 768px) {
    .mobile-cta {
        display:flex !important;
        width:100%;
        text-align:center;
        padding:14px;
        background:var(--orange);
        color:#fff !important;
        font-weight:700;
        border-radius:10px;
        margin-top:8px;
        border-bottom:none !important;
        text-decoration:none;
        justify-content:center;
    }
}

/* Content pages */
@media (max-width: 768px) {
    .page-hero { padding:100px 0 36px; }
    .page-hero h1 { font-size:24px; }
    .page-hero p { font-size:15px; }
    .breadcrumb { font-size:12px; }
    .content-section { padding:48px 0; }
    .content-wrapper h2 { font-size:22px; margin:32px 0 12px; }
    .content-wrapper h3 { font-size:18px; }
    .content-wrapper p, .content-wrapper li { font-size:14px; }
    .content-card { padding:20px; }
    .step-item { gap:14px; }
    .step-item-num { width:32px; height:32px; font-size:14px; }
    .seo-text { font-size:14px !important; }
}

/* Offer cards in popup */
@media (max-width: 600px) {
    .ocard-boxes { grid-template-columns:repeat(2,1fr); gap:6px; }
    .ocard-box { padding:10px 4px; }
    .ocard-box-label { font-size:9px; }
    .ocard-box-val { font-size:12px; }
    .ocard-logo { width:140px; height:50px; padding:8px 12px; }
    .ocard-desc { font-size:12px; }
    .ocard-cta { padding:14px 16px; font-size:15px; margin:0 14px 14px; }
    .ocard-rank { font-size:11px; padding:6px 12px; }
    .ocard-rank-tag { font-size:10px; }
    .ocard-logo-area { padding:16px 14px 10px; }
    .ocard-fine { padding:0 14px 10px; font-size:9px; }
}

/* Footer mobile */
@media (max-width: 768px) {
    .footer-top { grid-template-columns:1fr 1fr; gap:24px; }
    .footer-brand { grid-column:1/-1; }
    .footer-col h4 { font-size:12px; margin-bottom:12px; }
    .footer-col a { font-size:13px; padding:4px 0; }
    .footer-disclaimer { font-size:10px !important; }
}

@media (max-width: 480px) {
    .footer-top { grid-template-columns:1fr; }
}

/* Section headers mobile */
@media (max-width: 768px) {
    .section-header { margin-bottom:36px; }
    .section-header h2 { font-size:24px; }
    .section-header p { font-size:14px; }
    .section-badge { font-size:11px; }
}

/* Steps grid mobile */
@media (max-width: 768px) {
    .steps-grid { grid-template-columns:1fr 1fr; gap:16px; max-width:100%; }
    .step-card { padding:24px 16px; }
    .step-card h3 { font-size:14px; }
    .step-card p { font-size:12px; }
    .step-number { width:36px; height:36px; font-size:16px; top:-12px; }
}

@media (max-width: 400px) {
    .steps-grid { grid-template-columns:1fr; max-width:280px; margin:0 auto; }
}

/* Advantages mobile */
@media (max-width: 768px) {
    .advantages-grid { grid-template-columns:1fr 1fr; gap:12px; max-width:100%; }
    .advantage-card { padding:20px 16px; }
    .advantage-card h3 { font-size:14px; }
    .advantage-card p { font-size:12px; }
    .advantage-icon { width:44px; height:44px; margin-bottom:10px; }
}

@media (max-width: 400px) {
    .advantages-grid { grid-template-columns:1fr; }
}

/* Partners mobile */
@media (max-width: 480px) {
    .partners-grid { grid-template-columns:1fr 1fr; gap:10px; }
    .partner-card { padding:16px 10px; }
    .partner-name { font-size:12px; }
    .partner-desc { font-size:10px; }
    .partner-logo-img { height:40px; padding:6px 10px; }
}

/* Requirements mobile */
@media (max-width: 768px) {
    .hp-req-grid { grid-template-columns:repeat(3,1fr); gap:10px; }
    .hp-req-card { padding:16px 10px; }
    .hp-req-card .icon { font-size:24px; margin-bottom:6px; }
    .hp-req-card h4 { font-size:13px; }
    .hp-req-card p { font-size:11px; }
}

@media (max-width: 480px) {
    .hp-req-grid { grid-template-columns:repeat(2,1fr); }
}

/* Reviews mobile */
@media (max-width: 768px) {
    .hp-reviews-grid { grid-template-columns:1fr; gap:12px; }
    .hp-review { padding:18px; }
    .hp-review-text { font-size:13px; }
}

/* CTA banner mobile */
@media (max-width: 768px) {
    .hp-cta-banner { padding:40px 0; }
    .hp-cta-inner { padding:32px 20px; border-radius:16px; }
    .hp-cta-inner h2 { font-size:22px; }
    .hp-cta-inner p { font-size:14px; }
    .hp-cta-btn { padding:14px 28px; font-size:15px; }
}

/* Stats bar mobile */
@media (max-width: 480px) {
    .hp-stats { grid-template-columns:repeat(2,1fr); border-radius:12px; }
    .hp-stat { padding:18px 10px; }
    .hp-stat-num { font-size:22px; }
    .hp-stat-label { font-size:10px; }
}

/* FAQ mobile */
@media (max-width: 768px) {
    .faq-question span { font-size:14px; }
    .faq-answer p { font-size:13px; }
    .faq-item { border-radius:8px; margin-bottom:8px; }
}

/* Logo row mobile */
@media (max-width: 480px) {
    .hp-logos { gap:16px; padding:28px 0; }
    .hp-logo-item { height:28px; }
}

/* Modal mobile tweaks */
@media (max-width: 480px) {
    .m-head h2 { font-size:18px; }
    .m-head p { font-size:12px; }
    .m-body { padding:16px; }
    .m-field { margin-bottom:12px; }
    .m-input { padding:12px 14px; font-size:14px; }
    .m-input-icon-pad { padding-left:36px; }
    .m-phone-prefix { padding:12px 10px 12px 14px; font-size:14px; }
    .m-submit { padding:14px; font-size:15px; }
    .m-trust-row { font-size:10px; gap:10px; }
    .m-label { font-size:13px; }
}