/* ====================================================================
   LoanEasy — Stylesheet
   Mobile-first, professional UK business lending site
   ==================================================================== */

:root {
  /* Brand palette */
  --ink: #0A2540;          /* deep navy */
  --ink-2: #13315C;
  --blue: #1B65C9;         /* brand blue */
  --blue-dark: #134fa3;
  --green: #14B88A;        /* growth green */
  --green-dark: #0E9E76;
  --mint: #9DF5DC;

  --bg: #FFFFFF;
  --bg-soft: #F5F8FC;
  --bg-soft-2: #EEF3FA;
  --border: #E2E9F2;
  --text: #1B2A3D;
  --muted: #5E7088;
  --muted-2: #8696AC;

  --danger: #DC3545;
  --success: #14B88A;

  --radius: 14px;
  --radius-lg: 22px;
  --radius-sm: 10px;
  --shadow-sm: 0 2px 8px rgba(10, 37, 64, 0.06);
  --shadow: 0 10px 30px rgba(10, 37, 64, 0.10);
  --shadow-lg: 0 24px 60px rgba(10, 37, 64, 0.16);

  --maxw: 1140px;
  --font-head: "Plus Jakarta Sans", system-ui, sans-serif;
  --font-body: "Inter", system-ui, -apple-system, sans-serif;
}

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

html { scroll-behavior: smooth; scroll-padding-top: 80px; }

body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1, h2, h3, h4, legend { font-family: var(--font-head); color: var(--ink); line-height: 1.18; font-weight: 700; }

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

img, svg { display: block; max-width: 100%; }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font-head); font-weight: 700; font-size: 15px;
  padding: 12px 22px; border-radius: 100px; border: 1.5px solid transparent;
  cursor: pointer; transition: transform .15s ease, box-shadow .2s ease, background .2s ease;
  white-space: nowrap; text-align: center;
}
.btn:active { transform: translateY(1px); }
.btn-primary {
  background: linear-gradient(135deg, var(--blue), var(--green));
  color: #fff; box-shadow: 0 8px 20px rgba(27, 101, 201, 0.28);
}
.btn-primary:hover { box-shadow: 0 12px 26px rgba(20, 184, 138, 0.34); transform: translateY(-1px); }
.btn-ghost { background: #fff; color: var(--ink); border-color: var(--border); }
.btn-ghost:hover { border-color: var(--blue); color: var(--blue); }
.btn-light { background: #fff; color: var(--ink); }
.btn-light:hover { transform: translateY(-1px); box-shadow: var(--shadow); }
.btn-lg { padding: 15px 30px; font-size: 16px; }
.btn-sm { padding: 9px 18px; font-size: 14px; }
.btn-block { width: 100%; }

.eyebrow {
  display: inline-block; font-family: var(--font-head); font-weight: 700;
  font-size: 13px; letter-spacing: .08em; text-transform: uppercase;
  color: var(--green-dark); margin-bottom: 14px;
}
.grad { background: linear-gradient(120deg, var(--blue), var(--green)); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }

/* ============ HEADER ============ */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.88); backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.logo { display: flex; align-items: center; gap: 10px; }
.logo-text { font-family: var(--font-head); font-weight: 800; font-size: 22px; color: var(--ink); letter-spacing: -.02em; }
.logo-text span { color: var(--green); }
.logo-light .logo-text { color: #fff; }

.nav { display: flex; align-items: center; gap: 6px; }
.nav > a { padding: 8px 14px; font-weight: 600; font-size: 15px; color: var(--ink-2); border-radius: 8px; }
.nav > a:hover { color: var(--blue); }
.nav .nav-cta { color: #fff; margin-left: 8px; }

.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { width: 24px; height: 2.5px; background: var(--ink); border-radius: 2px; transition: .25s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ============ HERO ============ */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(900px 500px at 85% -10%, rgba(20,184,138,0.12), transparent 60%),
    radial-gradient(700px 400px at 5% 10%, rgba(27,101,201,0.10), transparent 55%),
    var(--bg-soft);
  padding: 56px 0 64px;
}
.hero-grid { display: grid; gap: 40px; align-items: center; }
.hero-copy h1 { font-size: clamp(34px, 7vw, 56px); font-weight: 800; letter-spacing: -.02em; }
.hero .lead { font-size: clamp(16px, 2.4vw, 19px); color: var(--muted); margin: 18px 0 26px; max-width: 540px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-trust { list-style: none; margin-top: 28px; display: grid; gap: 10px; }
.hero-trust li { display: flex; align-items: center; gap: 10px; font-weight: 600; color: var(--ink-2); font-size: 15px; }
.hero-trust .ic { width: 20px; height: 20px; flex: none; fill: none; stroke: var(--green); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; background: rgba(20,184,138,.12); border-radius: 50%; padding: 3px; }

/* Hero card */
.hero-card-wrap { display: flex; justify-content: center; }
.hero-card {
  width: 100%; max-width: 400px; background: #fff; border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 26px; border: 1px solid var(--border);
}
.hero-card-head { display: flex; justify-content: space-between; align-items: center; font-weight: 600; color: var(--muted); font-size: 14px; }
.pill { background: rgba(20,184,138,.12); color: var(--green-dark); padding: 4px 12px; border-radius: 100px; font-size: 12px; font-weight: 700; }
.hero-amount { margin: 18px 0 6px; }
.hero-amount-label { display: block; font-size: 13px; color: var(--muted); font-weight: 600; }
.hero-amount-value { font-family: var(--font-head); font-size: 40px; font-weight: 800; color: var(--ink); letter-spacing: -.02em; }
.hero-card-rows { margin: 18px 0 22px; border-top: 1px solid var(--border); }
.hero-card-rows > div { display: flex; justify-content: space-between; padding: 11px 0; border-bottom: 1px solid var(--border); font-size: 14.5px; }
.hero-card-rows span { color: var(--muted); }
.hero-card-rows strong { color: var(--ink); font-family: var(--font-head); }
.hero-card-note { font-size: 12px; color: var(--muted-2); margin-top: 12px; text-align: center; }

/* Range inputs */
input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 100px;
  background: linear-gradient(90deg, var(--blue), var(--green)); outline: none; margin: 8px 0;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 24px; height: 24px; border-radius: 50%;
  background: #fff; border: 3px solid var(--blue); cursor: pointer; box-shadow: var(--shadow-sm);
}
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%; background: #fff; border: 3px solid var(--blue); cursor: pointer;
}

/* ============ TRUST BAR ============ */
.trustbar { background: var(--ink); color: #fff; padding: 28px 0; }
.trustbar-inner { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px 12px; text-align: center; }
.stat strong { display: block; font-family: var(--font-head); font-size: clamp(24px, 5vw, 32px); font-weight: 800; color: #fff; }
.stat span { font-size: 13.5px; color: rgba(255,255,255,.7); }

/* ============ SECTIONS ============ */
.section { padding: 64px 0; }
.section-alt { background: var(--bg-soft); }
.section-head { text-align: center; max-width: 640px; margin: 0 auto 44px; }
.section-head h2 { font-size: clamp(26px, 5vw, 38px); font-weight: 800; letter-spacing: -.02em; }
.section-head p { color: var(--muted); margin-top: 14px; font-size: 17px; }

/* ============ SEGMENTED TOGGLE ============ */
.seg-wrap { display: flex; justify-content: center; margin-bottom: 36px; }
.seg { display: inline-flex; background: var(--bg-soft-2); border-radius: 100px; padding: 5px; gap: 4px; }
.seg-btn {
  border: none; background: none; padding: 11px 24px; border-radius: 100px;
  font-family: var(--font-head); font-weight: 700; font-size: 15px; color: var(--muted);
  cursor: pointer; transition: .2s;
}
.seg-btn.active { background: #fff; color: var(--ink); box-shadow: var(--shadow-sm); }
.section-alt .seg { background: #fff; }

.product-set { animation: fade .3s ease; }
.product-set[hidden] { display: none; }

/* ============ TYPE CARDS (form loan type) ============ */
.type-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.type-card {
  display: flex; flex-direction: column; align-items: flex-start; gap: 3px;
  padding: 16px 18px; border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  background: #fff; cursor: pointer; text-align: left; transition: .18s;
}
.type-card svg { width: 26px; height: 26px; fill: none; stroke: var(--muted); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; margin-bottom: 6px; }
.type-card strong { font-family: var(--font-head); font-size: 16px; color: var(--ink); }
.type-card span { font-size: 13px; color: var(--muted); }
.type-card:hover { border-color: var(--blue); }
.type-card.active { border-color: var(--blue); background: linear-gradient(135deg, rgba(27,101,201,.07), rgba(20,184,138,.08)); box-shadow: 0 0 0 3px rgba(27,101,201,.10); }
.type-card.active svg { stroke: var(--blue); }

/* ============ CARDS / PRODUCTS ============ */
.cards-grid { display: grid; gap: 22px; }
.card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 30px 26px; position: relative; transition: transform .2s ease, box-shadow .2s ease, border-color .2s;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }
.card.featured { border-color: var(--green); box-shadow: 0 12px 34px rgba(20,184,138,.16); }
.card-badge {
  position: absolute; top: -12px; left: 26px; background: linear-gradient(135deg, var(--blue), var(--green));
  color: #fff; font-size: 12px; font-weight: 700; padding: 5px 14px; border-radius: 100px; font-family: var(--font-head);
}
.card-icon {
  width: 54px; height: 54px; border-radius: 14px; display: grid; place-items: center;
  background: linear-gradient(135deg, rgba(27,101,201,.12), rgba(20,184,138,.14)); margin-bottom: 18px;
}
.card-icon svg { width: 28px; height: 28px; fill: none; stroke: var(--blue); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.card h3 { font-size: 21px; margin-bottom: 10px; }
.card p { color: var(--muted); font-size: 15px; }
.ticks { list-style: none; margin-top: 18px; display: grid; gap: 9px; }
.ticks li { position: relative; padding-left: 26px; font-size: 14.5px; font-weight: 600; color: var(--ink-2); }
.ticks li::before {
  content: "✓"; position: absolute; left: 0; top: -1px; width: 18px; height: 18px; border-radius: 50%;
  background: rgba(20,184,138,.15); color: var(--green-dark); font-size: 11px; font-weight: 800;
  display: grid; place-items: center;
}

/* ============ STEPS ============ */
.steps { display: grid; gap: 22px; }
.step { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 30px 26px; position: relative; }
.step-num {
  display: grid; place-items: center; width: 46px; height: 46px; border-radius: 50%;
  background: linear-gradient(135deg, var(--blue), var(--green)); color: #fff;
  font-family: var(--font-head); font-weight: 800; font-size: 20px; margin-bottom: 16px;
}
.step h3 { font-size: 20px; margin-bottom: 8px; }
.step p { color: var(--muted); font-size: 15px; }

/* ============ FEATURES ============ */
.features-grid { display: grid; gap: 22px; }
.feature { text-align: left; }
.feature-ic { width: 50px; height: 50px; border-radius: 14px; background: var(--bg-soft-2); display: grid; place-items: center; margin-bottom: 14px; }
.feature-ic svg { width: 26px; height: 26px; fill: none; stroke: var(--green-dark); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.feature h3 { font-size: 18px; margin-bottom: 6px; }
.feature p { color: var(--muted); font-size: 15px; }

/* ============ CALCULATOR ============ */
.calc-grid { display: grid; gap: 32px; align-items: center; }
.calc-copy h2 { font-size: clamp(26px, 5vw, 36px); }
.calc-copy p { color: var(--muted); margin: 14px 0 24px; font-size: 17px; }
.calc-result-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.calc-rc { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 18px; }
.calc-rc span { font-size: 13px; color: var(--muted); font-weight: 600; }
.calc-rc strong { display: block; font-family: var(--font-head); font-size: 28px; font-weight: 800; color: var(--ink); margin-top: 4px; }
.calc-panel { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 28px; box-shadow: var(--shadow); }
.calc-field { margin-bottom: 22px; }
.calc-field-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 6px; }
.calc-field-head label { font-weight: 600; color: var(--ink-2); font-size: 15px; }
.calc-field-head output { font-family: var(--font-head); font-weight: 800; color: var(--blue); font-size: 17px; }
.calc-apr { display: flex; justify-content: space-between; align-items: center; padding: 14px 16px; background: var(--bg-soft); border-radius: var(--radius-sm); margin-bottom: 20px; }
.calc-apr span { color: var(--muted); font-weight: 600; font-size: 14px; }
.calc-apr strong { font-family: var(--font-head); font-size: 18px; color: var(--ink); }

/* ============ TESTIMONIALS ============ */
.quotes-grid { display: grid; gap: 22px; }
.quote { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 28px; }
.stars { color: #F5A623; font-size: 18px; letter-spacing: 2px; margin-bottom: 14px; }
.quote blockquote { font-size: 16px; color: var(--ink-2); line-height: 1.7; }
.quote figcaption { margin-top: 18px; }
.quote figcaption strong { display: block; color: var(--ink); font-family: var(--font-head); }
.quote figcaption span { font-size: 13.5px; color: var(--muted); }

/* ============ APPLICATION FORM ============ */
.section-apply { background: linear-gradient(180deg, var(--bg-soft), #fff); }
.apply-container { max-width: 780px; }
.form-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: 30px; }

.form-progress { display: flex; align-items: center; margin-bottom: 30px; }
.fp-step { display: flex; flex-direction: column; align-items: center; gap: 6px; flex: none; }
.fp-step span {
  width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center;
  background: var(--bg-soft-2); color: var(--muted); font-family: var(--font-head); font-weight: 700; font-size: 15px;
  border: 2px solid transparent; transition: .25s;
}
.fp-step label { font-size: 11.5px; color: var(--muted-2); font-weight: 600; }
.fp-step.active span { background: linear-gradient(135deg, var(--blue), var(--green)); color: #fff; }
.fp-step.active label { color: var(--ink); }
.fp-step.done span { background: var(--green); color: #fff; }
.fp-line { flex: 1; height: 2px; background: var(--border); margin: 0 4px; margin-bottom: 22px; }

.form-step { border: none; display: none; animation: fade .3s ease; }
.form-step.active { display: block; }
@keyframes fade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.form-step legend { font-size: 22px; font-weight: 800; margin-bottom: 22px; }

.field { margin-bottom: 18px; }
.field > label { display: block; font-weight: 600; color: var(--ink-2); font-size: 14.5px; margin-bottom: 7px; }
.req { color: var(--danger); }
.hint { display: block; font-size: 12.5px; color: var(--muted-2); margin-top: 5px; }
.error { display: none; font-size: 12.5px; color: var(--danger); margin-top: 5px; font-weight: 600; }
.error.show { display: block; }

input[type="text"], input[type="email"], input[type="tel"], input[type="number"],
input[type="date"], select {
  width: 100%; font-family: var(--font-body); font-size: 16px; color: var(--text);
  padding: 13px 14px; border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  background: #fff; transition: border-color .15s, box-shadow .15s; appearance: none;
}
select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%235E7088' stroke-width='2.5' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px;
}
input:focus, select:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(27,101,201,.12); }
input.invalid, select.invalid { border-color: var(--danger); }

.input-prefix { display: flex; align-items: center; border: 1.5px solid var(--border); border-radius: var(--radius-sm); overflow: hidden; transition: border-color .15s, box-shadow .15s; }
.input-prefix:focus-within { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(27,101,201,.12); }
.input-prefix span { padding: 0 14px; color: var(--muted); font-weight: 600; background: var(--bg-soft); align-self: stretch; display: grid; place-items: center; }
.input-prefix input { border: none; border-radius: 0; }
.input-prefix input:focus { box-shadow: none; }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.checkbox-field { margin-bottom: 14px; }
.checkbox { display: flex; align-items: flex-start; gap: 11px; cursor: pointer; font-size: 14.5px; color: var(--ink-2); line-height: 1.5; }
.checkbox input { flex: none; width: 20px; height: 20px; margin-top: 1px; accent-color: var(--blue); cursor: pointer; }
.inline-link { text-decoration: underline; }

.form-nav { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: 26px; }
.form-nav .btn { min-width: 110px; }

/* Review */
.review { background: var(--bg-soft); border-radius: var(--radius); padding: 8px 18px; margin-bottom: 24px; }
.review-row { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-bottom: 1px solid var(--border); font-size: 14.5px; }
.review-row:last-child { border-bottom: none; }
.review-row .rk { color: var(--muted); }
.review-row .rv { color: var(--ink); font-weight: 600; text-align: right; }
.review-group-title { font-family: var(--font-head); font-weight: 800; color: var(--ink); font-size: 14px; padding: 16px 0 4px; text-transform: uppercase; letter-spacing: .04em; }

/* Loading */
.form-loading { text-align: center; padding: 40px 6px; animation: fade .3s ease; }
.form-loading h3 { font-size: 22px; margin-bottom: 10px; }
.form-loading p { color: var(--muted); font-size: 15px; max-width: 420px; margin: 0 auto; }
.spinner {
  width: 54px; height: 54px; margin: 0 auto 24px; border-radius: 50%;
  border: 5px solid var(--bg-soft-2); border-top-color: var(--blue);
  animation: spin .8s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* Result */
.form-result { text-align: center; padding: 20px 6px; animation: fade .4s ease; }
.result-icon { width: 76px; height: 76px; border-radius: 50%; margin: 0 auto 20px; display: grid; place-items: center; font-size: 40px; }
.result-icon.ok { background: rgba(20,184,138,.14); }
.result-icon.review { background: rgba(245,166,35,.16); }
.form-result h3 { font-size: 26px; margin-bottom: 12px; }
.form-result > p { color: var(--muted); font-size: 16px; max-width: 480px; margin: 0 auto 22px; }
.result-summary { background: var(--bg-soft); border-radius: var(--radius); padding: 18px; margin-bottom: 24px; text-align: left; max-width: 440px; margin-left: auto; margin-right: auto; }
.result-summary div { display: flex; justify-content: space-between; padding: 7px 0; font-size: 14.5px; }
.result-summary span { color: var(--muted); }
.result-summary strong { color: var(--ink); font-family: var(--font-head); }

.apply-disclaimer { text-align: center; font-size: 13px; color: var(--muted); margin-top: 20px; max-width: 620px; margin-left: auto; margin-right: auto; }

/* ============ FAQ ============ */
.faq-container { max-width: 780px; }
.faq-list { display: grid; gap: 12px; }
.faq-item { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }
.faq-item summary {
  list-style: none; cursor: pointer; padding: 18px 22px; font-family: var(--font-head); font-weight: 700;
  color: var(--ink); font-size: 16px; display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-chev { width: 12px; height: 12px; border-right: 2.5px solid var(--blue); border-bottom: 2.5px solid var(--blue); transform: rotate(45deg); transition: transform .25s; flex: none; }
.faq-item[open] .faq-chev { transform: rotate(-135deg); }
.faq-item p { padding: 0 22px 20px; color: var(--muted); font-size: 15px; }

/* ============ CTA BAND ============ */
.cta-band { background: linear-gradient(135deg, var(--ink), var(--ink-2)); color: #fff; padding: 60px 0; text-align: center; position: relative; overflow: hidden; }
.cta-band::after { content: ""; position: absolute; inset: 0; background: radial-gradient(600px 300px at 80% 120%, rgba(20,184,138,.25), transparent 60%); }
.cta-inner { position: relative; z-index: 1; }
.cta-band h2 { color: #fff; font-size: clamp(26px, 5vw, 38px); font-weight: 800; }
.cta-band p { color: rgba(255,255,255,.82); margin: 14px 0 26px; font-size: 17px; }

/* ============ FOOTER ============ */
.site-footer { background: var(--ink); color: rgba(255,255,255,.72); padding: 54px 0 30px; }
.footer-grid { display: grid; gap: 32px; grid-template-columns: 1fr; }
.footer-brand p { margin-top: 14px; font-size: 14.5px; max-width: 280px; }
.footer-col h4 { color: #fff; font-size: 15px; margin-bottom: 14px; }
.footer-col a, .footer-col span { display: block; color: rgba(255,255,255,.72); font-size: 14.5px; margin-bottom: 9px; }
.footer-col a:hover { color: var(--mint); }
.footer-legal { margin-top: 40px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,.12); }
.footer-legal p { font-size: 12.5px; color: rgba(255,255,255,.55); margin-bottom: 14px; line-height: 1.7; }
.rep-example { color: rgba(255,255,255,.72) !important; }
.footer-bottom { display: flex; flex-wrap: wrap; gap: 10px; justify-content: space-between; font-size: 12.5px; color: rgba(255,255,255,.55); margin-top: 8px; }
.footer-bottom a { color: rgba(255,255,255,.7); }
.footer-bottom a:hover { color: var(--mint); }

/* ====================================================================
   RESPONSIVE — tablet & up
   ==================================================================== */
@media (min-width: 700px) {
  .trustbar-inner { grid-template-columns: repeat(4, 1fr); }
  .cards-grid { grid-template-columns: repeat(3, 1fr); }
  .steps { grid-template-columns: repeat(3, 1fr); }
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .quotes-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (min-width: 920px) {
  .hero { padding: 80px 0 90px; }
  .hero-grid { grid-template-columns: 1.05fr 0.95fr; gap: 56px; }
  .features-grid { grid-template-columns: repeat(4, 1fr); }
  .calc-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1.6fr 1fr 1fr 1fr 1.2fr; }
  .section { padding: 88px 0; }
}

/* ====================================================================
   RESPONSIVE — mobile nav
   ==================================================================== */
@media (max-width: 860px) {
  .nav-toggle { display: flex; }
  .nav {
    position: fixed; top: 68px; left: 0; right: 0; flex-direction: column; align-items: stretch;
    background: #fff; border-bottom: 1px solid var(--border); padding: 14px 20px 22px; gap: 4px;
    transform: translateY(-130%); transition: transform .3s ease; box-shadow: var(--shadow);
    max-height: calc(100vh - 68px); overflow-y: auto;
  }
  .nav.open { transform: translateY(0); }
  .nav > a { padding: 13px 14px; font-size: 16px; border-radius: 10px; }
  .nav > a:hover { background: var(--bg-soft); }
  .nav .nav-cta { margin: 8px 0 0; text-align: center; }
}

@media (max-width: 480px) {
  .grid-2 { grid-template-columns: 1fr; }
  .form-card { padding: 22px 18px; }
  .fp-step label { display: none; }
  .calc-result-cards { grid-template-columns: 1fr; }
  .btn-lg { width: 100%; }
  .hero-actions .btn { flex: 1; }
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; scroll-behavior: auto !important; transition: none !important; }
}