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

:root {
  --blue-dark:   #004f73;
  --blue-mid:    #0088aa;
  --blue-accent: #2563eb;
  --blue-light:  #dbeafe;
  --gold:        #f59e0b;
  --gold-dark:   #d97706;
  --white:       #ffffff;
  --gray-100:    #f8fafc;
  --gray-200:    #e2e8f0;
  --gray-500:    #64748b;
  --gray-700:    #334155;
  --text:        #0f172a;
  --radius:      8px;
  --shadow:      0 4px 24px rgba(10,37,64,.12);
  --transition:  .25s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}

img { max-width: 100%; display: block; }
a  { color: inherit; text-decoration: none; }

/* ===== UTILITIES ===== */
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 80px 0; }
.section-alt { background: var(--gray-100); }

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: .95rem;
  cursor: pointer;
  transition: var(--transition);
  border: 2px solid transparent;
}
.btn-primary  { background: var(--blue-accent); color: var(--white); }
.btn-primary:hover  { background: var(--blue-mid); }
.btn-outline  { border-color: var(--blue-accent); color: var(--blue-accent); background: transparent; }
.btn-outline:hover  { background: var(--blue-accent); color: var(--white); }
.btn-gold     { background: var(--gold); color: var(--blue-dark); }
.btn-gold:hover     { background: var(--gold-dark); }

.tag {
  display: inline-block;
  background: var(--blue-light);
  color: var(--blue-mid);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 999px;
  margin-bottom: 16px;
}

.section-header { text-align: center; margin-bottom: 56px; }
.section-header h2 { font-size: 2.25rem; font-weight: 800; color: var(--blue-dark); margin-bottom: 12px; }
.section-header p  { color: var(--gray-500); font-size: 1.1rem; max-width: 560px; margin: 0 auto; }

/* ===== HEADER / NAV ===== */
header {
  position: sticky; top: 0; z-index: 100;
  background: var(--blue-dark);
  box-shadow: 0 2px 12px rgba(0,0,0,.25);
}

nav {
  display: flex; align-items: center; justify-content: space-between;
  height: 80px;
}

.nav-logo {
  display: flex; align-items: center; gap: 10px;
  font-size: 1.5rem; font-weight: 800; color: var(--white);
}
.nav-logo span { color: var(--white); }

.nav-links { display: flex; align-items: center; gap: 32px; list-style: none; }
.nav-links a { color: rgba(255,255,255,.85); font-weight: 500; font-size: .95rem; transition: var(--transition); }
.nav-links a:hover, .nav-links a.active { color: var(--white); }

.nav-cta { display: flex; gap: 12px; align-items: center; }

.btn-phone {
  color: rgba(255,255,255,.85);
  font-size: .88rem;
  font-weight: 600;
  padding: 8px 16px;
  border: 1.5px solid rgba(255,255,255,.3);
  border-radius: var(--radius);
  transition: var(--transition);
  white-space: nowrap;
}
.btn-phone:hover { color: var(--white); border-color: rgba(255,255,255,.7); }

.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px; background: none; border: none; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: var(--transition); }

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, #0088aa 0%, #00aecf 100%);
  color: var(--white);
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; position: relative; }
.hero-text h1 { font-size: 3rem; font-weight: 900; line-height: 1.15; margin-bottom: 20px; }
.hero-text h1 em { color: var(--gold); font-style: normal; }
.hero-text p  { font-size: 1.15rem; opacity: .88; margin-bottom: 36px; max-width: 480px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-card {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 16px;
  padding: 40px;
  backdrop-filter: blur(8px);
}
.hero-card-title { font-size: 1rem; font-weight: 600; opacity: .7; margin-bottom: 8px; }
.hero-card-big   { font-size: 3.5rem; font-weight: 900; color: var(--gold); }
.hero-card-sub   { font-size: .95rem; opacity: .75; margin-top: 4px; }
.hero-stats      { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 24px; }
.hero-stat { background: rgba(255,255,255,.06); border-radius: 10px; padding: 20px; }

/* ===== SERVICES GRID ===== */
.services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px,1fr)); gap: 28px; }
.service-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 32px 28px;
  transition: var(--transition);
  text-align: center;
}
.service-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); border-color: var(--blue-accent); }
.service-icon {
  width: 64px; height: 64px;
  background: var(--blue-light);
  border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-size: 1.8rem;
}
.service-card h3 { font-size: 1.15rem; font-weight: 700; color: var(--blue-dark); margin-bottom: 10px; }
.service-card p  { color: var(--gray-500); font-size: .93rem; }
.service-card .card-link { display: inline-flex; align-items: center; gap: 6px; margin-top: 20px; color: var(--blue-accent); font-weight: 600; font-size: .9rem; }
.service-card .card-link:hover { gap: 10px; }

/* ===== HOW IT WORKS ===== */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px,1fr)); gap: 32px; position: relative; }
.step { text-align: center; }
.step-num {
  width: 52px; height: 52px;
  background: var(--blue-accent);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; font-weight: 800;
  margin: 0 auto 16px;
}
.step h3 { font-size: 1.05rem; font-weight: 700; color: var(--blue-dark); margin-bottom: 8px; }
.step p  { font-size: .9rem; color: var(--gray-500); }

/* ===== FEATURES SPLIT ===== */
.features-split { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.features-list  { display: flex; flex-direction: column; gap: 24px; }
.feature-item   { display: flex; gap: 16px; }
.feature-icon   { flex-shrink: 0; width: 44px; height: 44px; background: var(--blue-light); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 1.2rem; }
.feature-item h4 { font-size: 1rem; font-weight: 700; color: var(--blue-dark); margin-bottom: 4px; }
.feature-item p  { font-size: .9rem; color: var(--gray-500); }
.features-visual {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue-mid) 100%);
  border-radius: 20px;
  padding: 48px 40px;
  color: var(--white);
}
.credit-card-mockup {
  background: linear-gradient(135deg,#1e40af,#7c3aed);
  border-radius: 16px;
  padding: 28px;
  margin-bottom: 24px;
  min-height: 160px;
  display: flex; flex-direction: column; justify-content: space-between;
  box-shadow: 0 8px 32px rgba(0,0,0,.3);
}
.card-chip { width: 36px; height: 28px; background: var(--gold); border-radius: 4px; }
.card-number { letter-spacing: .15em; font-size: 1.05rem; opacity: .9; }
.card-info { display: flex; justify-content: space-between; font-size: .8rem; opacity: .75; }
.visual-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.visual-stat { background: rgba(255,255,255,.08); border-radius: 10px; padding: 16px; }
.visual-stat-num  { font-size: 1.6rem; font-weight: 800; color: var(--gold); }
.visual-stat-label { font-size: .8rem; opacity: .7; }

/* ===== TESTIMONIALS ===== */
.testimonials-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px,1fr)); gap: 28px; }
.testimonial-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 32px 28px;
}
.stars { color: var(--gold); font-size: 1.1rem; margin-bottom: 16px; letter-spacing: 3px; }
.testimonial-text { color: var(--gray-700); font-size: .95rem; margin-bottom: 20px; line-height: 1.7; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--blue-accent);
  display: flex; align-items: center; justify-content: center;
  color: var(--white); font-weight: 700; font-size: 1rem;
}
.author-name  { font-weight: 700; font-size: .9rem; color: var(--blue-dark); }
.author-since { font-size: .8rem; color: var(--gray-500); }

/* ===== CTA BANNER ===== */
.cta-banner {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue-accent) 100%);
  color: var(--white);
  text-align: center;
  padding: 80px 0;
}
.cta-banner h2 { font-size: 2.25rem; font-weight: 800; margin-bottom: 16px; }
.cta-banner p  { opacity: .85; font-size: 1.1rem; margin-bottom: 36px; }
.cta-actions   { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ===== FORM STYLES ===== */
.form-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 16px;
  padding: 48px;
  max-width: 640px;
  margin: 0 auto;
  box-shadow: var(--shadow);
}
.form-row   { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 20px; }
.form-group label { font-size: .9rem; font-weight: 600; color: var(--gray-700); }
.form-group input,
.form-group select,
.form-group textarea {
  padding: 11px 16px;
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius);
  font-size: .95rem;
  color: var(--text);
  transition: var(--transition);
  width: 100%;
  background: var(--white);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { outline: none; border-color: var(--blue-accent); box-shadow: 0 0 0 3px rgba(37,99,235,.12); }
.form-group textarea { resize: vertical; min-height: 120px; }
.form-submit { width: 100%; padding: 15px; font-size: 1rem; font-weight: 700; margin-top: 8px; }
.form-note { font-size: .83rem; color: var(--gray-500); text-align: center; margin-top: 14px; }

/* ===== PAGE HERO (inner pages) ===== */
.page-hero {
  background: linear-gradient(135deg, var(--blue-dark) 0%, var(--blue-mid) 100%);
  color: var(--white);
  padding: 70px 0 60px;
  text-align: center;
}
.page-hero h1 { font-size: 2.6rem; font-weight: 900; margin-bottom: 12px; }
.page-hero p  { font-size: 1.1rem; opacity: .85; max-width: 560px; margin: 0 auto; }
.breadcrumb { font-size: .85rem; opacity: .65; margin-bottom: 16px; }
.breadcrumb a { opacity: .85; }
.breadcrumb a:hover { opacity: 1; }

/* ===== ALERT / NOTICE ===== */
.alert {
  border-radius: var(--radius);
  padding: 16px 20px;
  display: flex; gap: 12px; align-items: flex-start;
  margin-bottom: 24px;
  font-size: .9rem;
}
.alert-info    { background: var(--blue-light); border-left: 4px solid var(--blue-accent); }
.alert-success { background: #dcfce7; border-left: 4px solid #16a34a; }
.alert-icon    { font-size: 1.1rem; flex-shrink: 0; }

/* ===== ACCORDION / FAQ ===== */
.faq-list   { max-width: 720px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item   { border: 1.5px solid var(--gray-200); border-radius: 10px; overflow: hidden; }
.faq-q {
  width: 100%; display: flex; justify-content: space-between; align-items: center;
  padding: 18px 22px; background: none; border: none; cursor: pointer;
  font-size: .98rem; font-weight: 600; color: var(--blue-dark); text-align: left;
  transition: var(--transition);
}
.faq-q:hover { background: var(--gray-100); }
.faq-q svg   { flex-shrink: 0; transition: transform .3s ease; }
.faq-q.open svg  { transform: rotate(180deg); }
.faq-a { padding: 0 22px; max-height: 0; overflow: hidden; transition: max-height .35s ease, padding .35s ease; }
.faq-a.open { max-height: 400px; padding: 0 22px 18px; }
.faq-a p { color: var(--gray-700); font-size: .92rem; line-height: 1.7; }

/* ===== CONTACT PAGE ===== */
.contact-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 48px; }
.contact-info h3 { font-size: 1.3rem; font-weight: 700; color: var(--blue-dark); margin-bottom: 16px; }
.contact-info p  { color: var(--gray-500); font-size: .95rem; margin-bottom: 28px; }
.contact-methods { display: flex; flex-direction: column; gap: 16px; }
.contact-method  { display: flex; gap: 14px; align-items: flex-start; }
.method-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  background: var(--blue-light); border-radius: 10px;
  display: flex; align-items: center; justify-content: center; font-size: 1.2rem;
}
.method-label { font-size: .8rem; color: var(--gray-500); font-weight: 500; }
.method-value { font-size: .95rem; font-weight: 600; color: var(--blue-dark); }

/* ===== PAYMENT PAGE ===== */
.payment-options { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px,1fr)); gap: 24px; margin-bottom: 48px; }
.payment-option {
  border: 2px solid var(--gray-200);
  border-radius: 12px;
  padding: 28px 22px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
}
.payment-option:hover,
.payment-option.selected { border-color: var(--blue-accent); background: var(--blue-light); }
.payment-option .pay-icon { font-size: 2.4rem; margin-bottom: 12px; }
.payment-option h4 { font-weight: 700; color: var(--blue-dark); margin-bottom: 6px; }
.payment-option p  { font-size: .85rem; color: var(--gray-500); }

/* ===== TOWALTH NOTICE ===== */
.towealth-notice {
  background: #e8f4f8;
  border-top: 1px solid #b8dce8;
  border-bottom: 1px solid #b8dce8;
  padding: 12px 0;
  font-size: .88rem;
  color: var(--gray-700);
  text-align: center;
}
.towealth-notice a { color: var(--blue-dark); font-weight: 600; text-decoration: underline; }
.towealth-notice a:hover { color: var(--blue-mid); }

/* ===== FOOTER ===== */
footer {
  background: #0d1f35;
  color: rgba(255,255,255,.7);
}

.footer-top {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 32px 0 24px;
  border-bottom: 1px solid rgba(255,255,255,.1);
  flex-wrap: wrap;
}
.footer-addr {
  font-size: .85rem;
  color: rgba(255,255,255,.6);
}

.footer-cols {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 40px;
  padding: 40px 0;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-col h4 { font-size: .85rem; font-weight: 700; color: var(--white); margin-bottom: 16px; text-transform: uppercase; letter-spacing: .06em; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a { font-size: .85rem; color: rgba(255,255,255,.65); transition: var(--transition); }
.footer-col ul a:hover { color: var(--white); }

.footer-bar {
  background: #091729;
  padding: 20px 0;
}
.footer-bar-inner {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.footer-badges-row { display: flex; gap: 8px; flex-wrap: wrap; }
.badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 6px;
  padding: 5px 10px;
  font-size: .75rem;
  color: rgba(255,255,255,.75);
}
.footer-copy {
  font-size: .78rem;
  color: rgba(255,255,255,.5);
  line-height: 1.7;
}
.footer-copy a { color: rgba(255,255,255,.65); text-decoration: underline; }
.footer-copy a:hover { color: var(--white); }

@media (max-width: 640px) {
  .footer-cols { grid-template-columns: 1fr; gap: 28px; }
}

/* ===== NOTIFICATION TOAST ===== */
#toast {
  position: fixed; bottom: 32px; right: 32px; z-index: 1000;
  background: #16a34a; color: var(--white);
  padding: 16px 24px; border-radius: 10px;
  font-weight: 600; font-size: .95rem;
  box-shadow: 0 8px 32px rgba(0,0,0,.2);
  transform: translateY(120%); opacity: 0;
  transition: transform .4s cubic-bezier(.34,1.56,.64,1), opacity .4s ease;
  display: flex; align-items: center; gap: 10px;
}
#toast.show { transform: translateY(0); opacity: 1; }

/* ===== RESPONSIVE ===== */
@media (max-width: 900px) {
  .hero-inner, .features-split, .contact-grid { grid-template-columns: 1fr; }
  .hero-text h1 { font-size: 2.2rem; }
  .footer-grid  { grid-template-columns: 1fr 1fr; }
  .form-row     { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .nav-links.open {
    display: flex; flex-direction: column;
    position: absolute; top: 68px; left: 0; right: 0;
    background: var(--blue-dark); padding: 24px;
    gap: 20px; border-top: 1px solid rgba(255,255,255,.1);
  }
  .nav-cta.open { display: flex; flex-direction: column; padding: 0 24px 24px; background: var(--blue-dark); }
  .section-header h2 { font-size: 1.75rem; }
  .section { padding: 56px 0; }
  .form-card { padding: 28px 20px; }
  .footer-grid { grid-template-columns: 1fr; }
  .cta-banner h2 { font-size: 1.75rem; }
  .page-hero h1  { font-size: 2rem; }
}