/* ============================================================
   LendPoint.org — Shared Stylesheet
   Brand: Trust Navy + Emerald + Gold accent
   ============================================================ */

:root {
  --navy: #0a2540;
  --navy-800: #0d3053;
  --navy-900: #071a30;
  --navy-950: #051222;
  --green: #0ca678;
  --green-600: #0a8f66;
  --green-100: #e6f7f0;
  --gold: #f5a623;
  --gold-100: #fdf3e0;
  --ink: #16283a;
  --muted: #5b6b7e;
  --line: #dfe7ef;
  --bg: #f5f8fb;
  --card: #ffffff;
  --danger: #d64545;
  --radius: 14px;
  --radius-sm: 8px;
  --shadow: 0 10px 30px rgba(7, 26, 48, 0.10);
  --shadow-lg: 0 24px 60px rgba(7, 26, 48, 0.16);
  --font: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img, svg { display: block; max-width: 100%; }
a { color: var(--green-600); text-decoration: none; }
a:hover { text-decoration: underline; }

.container { width: min(1180px, 92%); margin: 0 auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-weight: 700; font-size: 1rem; line-height: 1;
  padding: 16px 30px; border-radius: 999px; border: 0; cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
  text-decoration: none !important; white-space: nowrap;
}
.btn-primary { background: var(--green); color: #fff; box-shadow: 0 8px 20px rgba(12, 166, 120, .35); }
.btn-primary:hover { background: var(--green-600); transform: translateY(-2px); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-800); transform: translateY(-2px); }
.btn-outline { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.55); }
.btn-outline:hover { border-color: #fff; background: rgba(255,255,255,.08); }
.btn-gold { background: var(--gold); color: var(--navy-950); }
.btn-gold:hover { filter: brightness(1.05); transform: translateY(-2px); }
.btn-block { width: 100%; }
.btn-sm { padding: 11px 22px; font-size: .9rem; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.96); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 74px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none !important; }
.brand-mark { width: 44px; height: 44px; flex: 0 0 44px; }
.brand-name { font-size: 1.45rem; font-weight: 800; color: var(--navy); letter-spacing: -0.5px; }
.brand-name span { color: var(--green); }
.brand-tag { display: block; font-size: .68rem; font-weight: 600; letter-spacing: 2.2px; color: var(--muted); text-transform: uppercase; margin-top: -4px; }

.main-nav { display: flex; align-items: center; gap: 6px; }
.main-nav a {
  color: var(--ink); font-weight: 600; font-size: .96rem; padding: 10px 14px;
  border-radius: 8px; text-decoration: none !important;
}
.main-nav a:hover { background: var(--green-100); color: var(--green-600); }
.main-nav a.active { background: var(--navy); color: #fff; }
.header-cta { margin-left: 12px; }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle svg { width: 28px; height: 28px; stroke: var(--navy); }

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(900px 420px at 12% 10%, rgba(12,166,120,.22), transparent 60%),
    radial-gradient(800px 420px at 88% 90%, rgba(245,166,35,.14), transparent 60%),
    linear-gradient(135deg, var(--navy-950) 0%, var(--navy-800) 60%, var(--navy) 100%);
  color: #fff; padding: 84px 0 96px; position: relative; overflow: hidden;
}
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(12,166,120,.16); border: 1px solid rgba(12,166,120,.5);
  color: #7ee2b8; font-size: .8rem; font-weight: 700; letter-spacing: 1.6px;
  text-transform: uppercase; padding: 8px 16px; border-radius: 999px; margin-bottom: 22px;
}
.hero h1 { font-size: clamp(2.1rem, 4.4vw, 3.4rem); line-height: 1.12; letter-spacing: -1px; margin-bottom: 18px; }
.hero h1 .hl { color: var(--gold); }
.hero p.lead { font-size: 1.15rem; color: #c8d6e5; max-width: 34rem; margin-bottom: 30px; }
.hero-points { list-style: none; display: grid; gap: 12px; margin-bottom: 34px; }
.hero-points li { display: flex; align-items: center; gap: 12px; color: #dbe6f2; font-weight: 500; }
.hero-points svg { width: 22px; height: 22px; flex: 0 0 22px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-note { margin-top: 18px; font-size: .85rem; color: #93a7bd; }

/* Hero quick card */
.apply-card {
  background: #fff; color: var(--ink); border-radius: 20px; padding: 34px;
  box-shadow: var(--shadow-lg);
}
.apply-card h3 { font-size: 1.35rem; letter-spacing: -.4px; margin-bottom: 6px; color: var(--navy); }
.apply-card .sub { color: var(--muted); font-size: .93rem; margin-bottom: 22px; }
.amount-display { display: flex; align-items: baseline; justify-content: space-between; margin-bottom: 6px; }
.amount-display strong { font-size: 2rem; color: var(--navy); letter-spacing: -1px; }
.amount-display span { font-size: .85rem; color: var(--muted); font-weight: 600; }
input[type="range"] { width: 100%; accent-color: var(--green); height: 34px; cursor: pointer; }
.range-labels { display: flex; justify-content: space-between; font-size: .78rem; color: var(--muted); margin-bottom: 14px; }
.term-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 20px; }
.term-opt { position: relative; }
.term-opt input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.term-opt label {
  display: block; text-align: center; padding: 12px 6px; border: 2px solid var(--line);
  border-radius: 10px; font-weight: 700; font-size: .9rem; cursor: pointer; transition: all .15s;
}
.term-opt input:checked + label { border-color: var(--green); background: var(--green-100); color: var(--green-600); }
.quick-est { background: var(--bg); border-radius: 10px; padding: 14px 16px; font-size: .9rem; margin-bottom: 20px; }
.quick-est .row { display: flex; justify-content: space-between; padding: 3px 0; }
.quick-est .row.total { font-weight: 800; color: var(--navy); border-top: 1px solid var(--line); margin-top: 6px; padding-top: 8px; }
.secure-line { display: flex; align-items: center; justify-content: center; gap: 8px; margin-top: 14px; font-size: .8rem; color: var(--muted); }
.secure-line svg { width: 15px; height: 15px; }

/* ---------- Trust bar ---------- */
.trust-bar { background: #fff; border-bottom: 1px solid var(--line); padding: 26px 0; }
.trust-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.stat-num { font-size: 2rem; font-weight: 800; color: var(--navy); letter-spacing: -1px; }
.stat-num .suffix { color: var(--green); }
.stat-label { font-size: .85rem; color: var(--muted); font-weight: 600; }

/* ---------- Sections ---------- */
.section { padding: 88px 0; }
.section-alt { background: #fff; }
.section-head { text-align: center; max-width: 44rem; margin: 0 auto 52px; }
.kicker { display: inline-block; font-size: .78rem; font-weight: 800; letter-spacing: 2.4px; text-transform: uppercase; color: var(--green-600); margin-bottom: 12px; }
.section-head h2 { font-size: clamp(1.7rem, 3.2vw, 2.5rem); letter-spacing: -.8px; color: var(--navy); margin-bottom: 14px; line-height: 1.2; }
.section-head p { color: var(--muted); font-size: 1.05rem; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.step-card {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 36px 30px; position: relative; transition: transform .18s, box-shadow .18s;
}
.step-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.step-num {
  width: 52px; height: 52px; border-radius: 14px; display: flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, var(--green), var(--green-600)); color: #fff;
  font-weight: 800; font-size: 1.3rem; margin-bottom: 20px;
}
.step-card h3 { color: var(--navy); margin-bottom: 10px; font-size: 1.2rem; }
.step-card p { color: var(--muted); font-size: .96rem; }

/* Features */
.features { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.feature-card {
  background: var(--card); border-radius: var(--radius); padding: 34px 30px;
  border: 1px solid var(--line); transition: transform .18s, box-shadow .18s;
}
.feature-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.feature-icon {
  width: 54px; height: 54px; border-radius: 14px; background: var(--green-100);
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
}
.feature-icon svg { width: 26px; height: 26px; }
.feature-card h3 { color: var(--navy); margin-bottom: 8px; font-size: 1.15rem; }
.feature-card p { color: var(--muted); font-size: .95rem; }

/* Calculator */
.calc-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: stretch; }
.calc-panel, .calc-result {
  background: var(--card); border-radius: 20px; padding: 40px; border: 1px solid var(--line);
}
.calc-result { background: linear-gradient(150deg, var(--navy-900), var(--navy-800)); color: #fff; border: 0; display: flex; flex-direction: column; justify-content: center; }
.calc-result h3 { margin-bottom: 20px; font-size: 1.25rem; }
.calc-line { display: flex; justify-content: space-between; padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,.14); font-size: 1rem; }
.calc-line:last-of-type { border-bottom: 0; }
.calc-line strong { font-size: 1.25rem; }
.calc-line.grand strong { color: var(--gold); font-size: 1.6rem; }
.calc-disclaimer { font-size: .78rem; color: #9db2c7; margin-top: 18px; }
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 700; font-size: .9rem; margin-bottom: 8px; color: var(--navy); }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 15px; border: 2px solid var(--line); border-radius: 10px;
  font-size: 1rem; font-family: inherit; color: var(--ink); background: #fff; transition: border .15s;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--green); box-shadow: 0 0 0 3px rgba(12,166,120,.15); }
.field .hint { font-size: .8rem; color: var(--muted); margin-top: 6px; }
.field .error-msg { display: none; font-size: .8rem; color: var(--danger); margin-top: 6px; font-weight: 600; }
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: var(--danger); }
.field.invalid .error-msg { display: block; }

/* Rates table */
.rates-table { width: 100%; border-collapse: collapse; background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.rates-table th { background: var(--navy); color: #fff; text-align: left; padding: 16px 20px; font-size: .9rem; }
.rates-table td { padding: 15px 20px; border-bottom: 1px solid var(--line); font-size: .95rem; }
.rates-table tr:last-child td { border-bottom: 0; }
.rates-table tr:nth-child(even) td { background: #f8fbfe; }
.table-note { font-size: .83rem; color: var(--muted); margin-top: 14px; }

/* Testimonials */
.testi-viewport { overflow: hidden; border-radius: 20px; }
.testi-track { display: flex; transition: transform .45s ease; }
.testi-slide { flex: 0 0 100%; padding: 6px; }
.testi-card {
  background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 40px;
  max-width: 760px; margin: 0 auto; text-align: center; box-shadow: var(--shadow);
}
.stars { display: flex; gap: 4px; justify-content: center; margin-bottom: 18px; }
.stars svg { width: 20px; height: 20px; }
.testi-quote { font-size: 1.2rem; color: var(--navy); font-style: italic; margin-bottom: 22px; line-height: 1.6; }
.testi-who strong { display: block; color: var(--navy); }
.testi-who span { font-size: .88rem; color: var(--muted); }
.testi-nav { display: flex; align-items: center; justify-content: center; gap: 16px; margin-top: 26px; }
.testi-btn { width: 46px; height: 46px; border-radius: 50%; border: 2px solid var(--line); background: #fff; cursor: pointer; display: flex; align-items: center; justify-content: center; transition: all .15s; }
.testi-btn:hover { border-color: var(--green); background: var(--green-100); }
.testi-btn svg { width: 18px; height: 18px; }
.testi-dots { display: flex; gap: 8px; }
.testi-dot { width: 10px; height: 10px; border-radius: 50%; background: var(--line); border: 0; cursor: pointer; padding: 0; }
.testi-dot.active { background: var(--green); transform: scale(1.25); }

/* FAQ */
.faq-list { max-width: 800px; margin: 0 auto; display: grid; gap: 14px; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: 12px; overflow: hidden; }
.faq-q { width: 100%; background: none; border: 0; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 20px 24px; font-size: 1.02rem; font-weight: 700; color: var(--navy); text-align: left; font-family: inherit; }
.faq-q svg { width: 20px; height: 20px; flex: 0 0 20px; transition: transform .25s; }
.faq-item.open .faq-q svg { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-a-inner { padding: 0 24px 22px; color: var(--muted); font-size: .96rem; }

/* CTA banner */
.cta-banner {
  background: linear-gradient(120deg, var(--green-600), var(--green) 60%, #0e9f6e);
  border-radius: 24px; padding: 64px 56px; color: #fff; text-align: center; position: relative; overflow: hidden;
}
.cta-banner::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(600px 300px at 85% 15%, rgba(255,255,255,.18), transparent 60%);
}
.cta-banner h2 { font-size: clamp(1.7rem, 3.4vw, 2.6rem); letter-spacing: -.8px; margin-bottom: 14px; position: relative; }
.cta-banner p { color: #e8fbf3; max-width: 38rem; margin: 0 auto 30px; position: relative; }
.cta-banner .btn { position: relative; }

/* ---------- Application form ---------- */
.app-section { background: #fff; }
.app-shell { max-width: 860px; margin: 0 auto; background: var(--bg); border: 1px solid var(--line); border-radius: 22px; padding: 46px; box-shadow: var(--shadow); }
.app-progress { display: flex; gap: 8px; margin-bottom: 34px; }
.app-progress .bar { flex: 1; height: 8px; border-radius: 99px; background: var(--line); overflow: hidden; }
.app-progress .bar i { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--green), var(--green-600)); border-radius: 99px; transition: width .4s ease; }
.app-step { display: none; }
.app-step.active { display: block; animation: fadeUp .35s ease; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.app-step h3 { color: var(--navy); font-size: 1.4rem; margin-bottom: 6px; }
.app-step .step-sub { color: var(--muted); margin-bottom: 26px; font-size: .95rem; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 18px; }
.form-grid .full { grid-column: 1 / -1; }
.app-nav { display: flex; justify-content: space-between; gap: 14px; margin-top: 30px; }
.consent-box { background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 18px; font-size: .88rem; color: var(--muted); margin-bottom: 18px; }
.consent-box label { display: flex; gap: 12px; align-items: flex-start; cursor: pointer; color: var(--ink); font-weight: 500; }
.consent-box input { width: 20px; height: 20px; margin-top: 2px; accent-color: var(--green); flex: 0 0 20px; }
.review-table { width: 100%; border-collapse: collapse; margin-bottom: 8px; }
.review-table td { padding: 10px 4px; border-bottom: 1px solid var(--line); font-size: .95rem; }
.review-table td:first-child { color: var(--muted); font-weight: 600; width: 42%; }
.review-table td:last-child { font-weight: 700; color: var(--navy); }
.success-panel { text-align: center; padding: 30px 10px; }
.success-icon { width: 84px; height: 84px; margin: 0 auto 22px; }
.success-panel h3 { color: var(--navy); font-size: 1.6rem; margin-bottom: 10px; }
.ref-num { display: inline-block; background: var(--navy); color: #fff; font-weight: 800; letter-spacing: 1px; padding: 10px 22px; border-radius: 10px; margin: 16px 0; font-size: 1.1rem; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { background: linear-gradient(135deg, var(--navy-950), var(--navy-800)); color: #fff; padding: 70px 0; }
.page-hero h1 { font-size: clamp(1.9rem, 3.8vw, 2.8rem); letter-spacing: -.8px; margin-bottom: 12px; }
.page-hero p { color: #b9c9dc; max-width: 46rem; font-size: 1.05rem; }
.breadcrumb { font-size: .85rem; color: #8fa3b8; margin-bottom: 16px; }
.breadcrumb a { color: #c8d6e5; }

/* ---------- Content pages ---------- */
.prose { max-width: 820px; margin: 0 auto; }
.prose h2 { color: var(--navy); font-size: 1.5rem; margin: 38px 0 14px; letter-spacing: -.4px; }
.prose h3 { color: var(--navy); font-size: 1.15rem; margin: 28px 0 10px; }
.prose p, .prose li { color: #33475c; margin-bottom: 12px; }
.prose ul, .prose ol { padding-left: 22px; margin-bottom: 16px; }
.prose .updated { font-size: .85rem; color: var(--muted); font-style: italic; }
.legal-box { background: #fff; border: 1px solid var(--line); border-left: 5px solid var(--gold); border-radius: 10px; padding: 22px 26px; margin: 24px 0; }
.legal-box p { margin-bottom: 8px; font-size: .95rem; }
.legal-box strong { color: var(--navy); }

/* Contact */
.contact-grid { display: grid; grid-template-columns: 1fr 1.15fr; gap: 40px; align-items: start; }
.contact-cards { display: grid; gap: 16px; }
.contact-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; display: flex; gap: 18px; align-items: flex-start; }
.contact-card .feature-icon { margin-bottom: 0; flex: 0 0 54px; }
.contact-card h3 { color: var(--navy); font-size: 1.05rem; margin-bottom: 4px; }
.contact-card p { color: var(--muted); font-size: .93rem; margin: 0; }
.contact-card a { font-weight: 700; }
.contact-form-card { background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 38px; box-shadow: var(--shadow); }
.contact-form-card h2 { color: var(--navy); margin-bottom: 8px; font-size: 1.5rem; }
.contact-form-card > p { color: var(--muted); margin-bottom: 26px; font-size: .95rem; }

/* Team / values */
.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.timeline { max-width: 760px; margin: 0 auto; display: grid; gap: 0; }
.timeline-item { display: grid; grid-template-columns: 120px 1fr; gap: 24px; padding: 26px 0; border-bottom: 1px solid var(--line); }
.timeline-item:last-child { border-bottom: 0; }
.timeline-year { font-weight: 800; color: var(--green-600); font-size: 1.15rem; }
.timeline-item h3 { color: var(--navy); margin-bottom: 6px; }
.timeline-item p { color: var(--muted); font-size: .95rem; margin: 0; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-950); color: #a9bccd; padding: 70px 0 0; margin-top: 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 46px; }
.footer-brand .brand-name { color: #fff; }
.footer-brand p { font-size: .9rem; margin: 16px 0 20px; max-width: 22rem; }
.footer-col h4 { color: #fff; font-size: .95rem; margin-bottom: 18px; letter-spacing: .4px; }
.footer-col ul { list-style: none; display: grid; gap: 10px; }
.footer-col a { color: #a9bccd; font-size: .92rem; text-decoration: none; }
.footer-col a:hover { color: #fff; text-decoration: underline; }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; font-size: .9rem; }
.footer-contact svg { width: 17px; height: 17px; flex: 0 0 17px; margin-top: 4px; }
.footer-disclosure { border-top: 1px solid rgba(255,255,255,.12); padding: 28px 0; font-size: .78rem; color: #7d93a9; line-height: 1.7; }
.footer-disclosure p { margin-bottom: 12px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding: 20px 0; display: flex; justify-content: space-between; align-items: center; gap: 14px; font-size: .82rem; color: #7d93a9; flex-wrap: wrap; }

/* ---------- Floating UI ---------- */
.cookie-banner {
  position: fixed; bottom: 22px; left: 22px; right: 22px; max-width: 460px; z-index: 200;
  background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 24px;
  box-shadow: var(--shadow-lg); display: none;
}
.cookie-banner.show { display: block; animation: fadeUp .4s ease; }
.cookie-banner h4 { color: var(--navy); margin-bottom: 8px; }
.cookie-banner p { font-size: .86rem; color: var(--muted); margin-bottom: 16px; }
.cookie-banner .row { display: flex; gap: 10px; }
.back-to-top {
  position: fixed; bottom: 26px; right: 26px; z-index: 200; width: 52px; height: 52px;
  border-radius: 50%; border: 0; background: var(--navy); cursor: pointer;
  display: none; align-items: center; justify-content: center; box-shadow: var(--shadow-lg);
  transition: transform .15s, background .15s;
}
.back-to-top.show { display: flex; }
.back-to-top:hover { background: var(--green-600); transform: translateY(-3px); }
.back-to-top svg { width: 20px; height: 20px; }

/* Reveal on scroll */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .6s ease, transform .6s ease; }
.reveal.visible { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1020px) {
  .hero-grid, .calc-wrap, .contact-grid { grid-template-columns: 1fr; }
  .features, .steps, .values-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 760px) {
  .main-nav {
    position: fixed; inset: 74px 0 auto 0; background: #fff; flex-direction: column; align-items: stretch;
    padding: 12px 4%; gap: 2px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow);
    display: none;
  }
  .main-nav.open { display: flex; }
  .main-nav a { padding: 14px; }
  .header-cta { margin: 6px 0 4px; }
  .header-cta .btn { width: 100%; }
  .nav-toggle { display: block; }
  .trust-stats { grid-template-columns: 1fr 1fr; gap: 26px; }
  .features, .steps, .values-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .app-shell { padding: 30px 22px; }
  .cta-banner { padding: 46px 26px; }
  .footer-grid { grid-template-columns: 1fr; }
  .section { padding: 64px 0; }
  .timeline-item { grid-template-columns: 1fr; gap: 6px; }
  .testi-card { padding: 30px 22px; }
  .cookie-banner { left: 12px; right: 12px; bottom: 12px; }
}