:root {
  --bg: #f4f7fb;
  --bg-2: #e9eff6;
  --card: rgba(255,255,255,.88);
  --card-strong: #ffffff;
  --text: #102744;
  --muted: #54657c;
  --line: rgba(16,39,68,.14);
  --line-strong: rgba(16,39,68,.22);
  --accent: #caa54a;
  --accent-2: #0f3b73;
  --accent-3: #0d2239;
  --success-bg: #e8f6ed;
  --success-text: #1e6a39;
  --error-bg: #fff0f0;
  --error-text: #8d1f2d;
  --shadow: 0 18px 48px rgba(9, 26, 46, .12);
  --shadow-soft: 0 12px 30px rgba(9, 26, 46, .08);
  --radius: 26px;
  --maxw: 1200px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--text);
  background:
    radial-gradient(circle at top left, rgba(202,165,74,.16), transparent 28%),
    linear-gradient(180deg, #fbfcfe 0%, var(--bg) 42%, #eef3f8 100%);
  line-height: 1.65;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
p, ul { margin: 0; }
button, input, select, textarea { font: inherit; }

.container {
  width: min(var(--maxw), calc(100% - 32px));
  margin: 0 auto;
}

.skip-link {
  position: absolute;
  left: 16px;
  top: -48px;
  z-index: 1000;
  padding: 12px 16px;
  background: var(--accent-2);
  color: #fff;
  border-radius: 12px;
}
.skip-link:focus { top: 16px; }

.topbar {
  position: sticky;
  top: 0;
  z-index: 50;
  background: linear-gradient(90deg, #07192e, #0d2a4b 58%, #12355f);
  border-bottom: 1px solid rgba(255,255,255,.08);
  backdrop-filter: saturate(180%) blur(14px);
}
.topbar-inner {
  min-height: 44px;
  display: flex;
  align-items: center;
  justify-content: flex-end;
}
.topbar-cta {
  color: rgba(255,255,255,.96);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .04em;
  text-transform: uppercase;
  padding: 10px 0;
}
.topbar-cta:hover,
.topbar-cta:focus-visible { color: #fff4cf; }

.site-header {
  position: sticky;
  top: 44px;
  z-index: 40;
  backdrop-filter: saturate(180%) blur(16px);
  background: rgba(247, 250, 253, .72);
  border-bottom: 1px solid rgba(16,39,68,.08);
  transition: background .28s ease, box-shadow .28s ease, border-color .28s ease, transform .28s ease;
}
.site-header.is-scrolled {
  background: rgba(247, 250, 253, .9);
  box-shadow: 0 18px 38px rgba(8, 24, 43, .09);
  border-bottom-color: rgba(16,39,68,.12);
}
.site-header::before {
  content: "";
  position: fixed;
  inset: 0;
  background: rgba(6, 18, 31, .34);
  opacity: 0;
  pointer-events: none;
  transition: opacity .28s ease;
}
.site-header.is-open::before {
  opacity: 1;
  pointer-events: auto;
}
.nav-shell {
  position: relative;
  min-height: 88px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  min-width: 0;
  position: relative;
  z-index: 2;
}
.brand-logo {
  width: 58px;
  height: 58px;
  object-fit: contain;
  flex: 0 0 auto;
  padding: 0;
  border-radius: 16px;
  background: transparent;
  box-shadow: none;
  border: 0;
  filter: drop-shadow(0 6px 12px rgba(7, 25, 46, .12));
}
.brand-copy {
  display: flex;
  flex-direction: column;
  min-width: 0;
}
.brand-copy strong {
  font-size: 18px;
  line-height: 1.08;
  letter-spacing: -.02em;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 24px;
}
.main-nav > a {
  color: var(--muted);
  font-weight: 650;
  transition: color .22s ease, opacity .22s ease, transform .22s ease;
}
.main-nav > a:hover,
.main-nav > a:focus-visible { color: var(--text); transform: translateY(-1px); }
.nav-toggle {
  display: none;
  width: 54px;
  height: 54px;
  border: 1px solid rgba(16,39,68,.12);
  border-radius: 18px;
  background: rgba(255,255,255,.78);
  box-shadow: 0 12px 28px rgba(10, 27, 46, .08);
  padding: 0;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  position: relative;
  z-index: 2;
  transition: transform .24s ease, background .24s ease, box-shadow .24s ease, border-color .24s ease;
}
.nav-toggle:hover,
.nav-toggle:focus-visible {
  transform: translateY(-1px);
  background: rgba(255,255,255,.92);
  box-shadow: 0 16px 34px rgba(10, 27, 46, .12);
}
.nav-toggle span {
  width: 22px;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: transform .24s ease, opacity .2s ease;
}
.site-header.is-open .nav-toggle span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.site-header.is-open .nav-toggle span:nth-child(2) { opacity: 0; }
.site-header.is-open .nav-toggle span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
body.menu-open { overflow: hidden; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 0 22px;
  border-radius: 999px;
  font-weight: 700;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease, color .2s ease;
  border: 1px solid transparent;
  cursor: pointer;
}
.btn:hover,
.btn:focus-visible { transform: translateY(-1px); }
.btn-primary {
  background: linear-gradient(135deg, var(--accent), #deb55a);
  color: #0f2239;
  box-shadow: 0 14px 32px rgba(202, 165, 74, .24);
}
.btn-secondary {
  background: rgba(255,255,255,.72);
  border-color: rgba(255,255,255,.24);
  color: #fff;
}
.btn-nav {
  min-height: 44px;
  padding-inline: 18px;
}

.hero {
  position: relative;
  overflow: clip;
}
.hero-media {
  position: absolute;
  inset: 0;
}
.hero-media picture,
.hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(100deg, rgba(7,19,34,.88) 0%, rgba(7,19,34,.78) 38%, rgba(7,19,34,.52) 62%, rgba(7,19,34,.72) 100%),
    linear-gradient(180deg, rgba(15,59,115,.16), rgba(0,0,0,.14));
}
.hero-grid {
  position: relative;
  min-height: 760px;
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(340px, .85fr);
  align-items: center;
  gap: 48px;
  padding: 88px 0 74px;
}
.hero-copy,
.hero-card { position: relative; z-index: 1; }
.eyebrow,
.mini-label,
.article-card__tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  letter-spacing: .12em;
  text-transform: uppercase;
  font-size: 12px;
  font-weight: 800;
}
.eyebrow {
  color: rgba(255,255,255,.76);
  margin-bottom: 18px;
}
.hero h1 {
  margin: 0;
  color: #fff;
  font-size: clamp(2.5rem, 5vw, 4.5rem);
  line-height: 1.04;
  max-width: 11ch;
}
.hero-lead {
  margin-top: 22px;
  max-width: 66ch;
  font-size: 1.1rem;
  color: rgba(255,255,255,.84);
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 28px;
}
.hero-points {
  margin-top: 26px;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 10px;
  color: rgba(255,255,255,.88);
}
.hero-points li {
  position: relative;
  padding-left: 28px;
}
.hero-points li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .7em;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent), #fff0bd);
  box-shadow: 0 0 0 4px rgba(202,165,74,.14);
}
.hero-card {
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 32px;
  padding: 28px;
  color: #fff;
  box-shadow: 0 18px 52px rgba(0,0,0,.18);
  backdrop-filter: blur(10px);
}
.mini-label { color: rgba(255,255,255,.68); }
.hero-mini-grid {
  margin-top: 18px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.hero-mini-grid article {
  padding: 18px;
  border-radius: 22px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.12);
}
.hero-mini-grid strong { display: block; font-size: 1rem; margin-bottom: 8px; }
.hero-mini-grid p { color: rgba(255,255,255,.76); font-size: .95rem; }

.section {
  padding: 92px 0;
}
.section-head {
  max-width: 760px;
  margin-bottom: 36px;
}
.section-head .eyebrow {
  color: var(--accent-2);
  margin-bottom: 12px;
}
.section-head h2 {
  margin: 0;
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.08;
}
.section-head p {
  margin-top: 18px;
  color: var(--muted);
  font-size: 1.05rem;
}

.trust-strip {
  padding: 0 0 30px;
  margin-top: -48px;
  position: relative;
  z-index: 2;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.trust-grid > div {
  background: rgba(255,255,255,.92);
  border: 1px solid rgba(255,255,255,.7);
  border-radius: 24px;
  padding: 18px 20px;
  box-shadow: var(--shadow-soft);
}
.trust-grid strong {
  display: block;
  font-size: 14px;
  color: var(--accent-2);
  margin-bottom: 6px;
}
.trust-grid span {
  display: block;
  color: var(--text);
  font-weight: 700;
}

.cards-grid {
  display: grid;
  gap: 24px;
}
.cards-grid-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}
.service-card,
.feature-panel,
.step-card,
.split-card,
.article-card,
.form-shell,
.contact-boxes > div,
.faq-item {
  background: var(--card);
  border: 1px solid rgba(255,255,255,.82);
  box-shadow: var(--shadow-soft);
}
.service-card {
  overflow: hidden;
  border-radius: 30px;
}
.service-card__media {
  aspect-ratio: 1.45 / 1;
  overflow: hidden;
}
.service-card__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transform: scale(1.02);
}
.service-card__media--tint img { filter: saturate(.9) contrast(1.02); }
.service-card__body {
  padding: 26px;
}
.service-card h3,
.feature-panel h3,
.step-card h3,
.article-card h3,
.split-copy h2,
.contact-copy h2,
.faq-wrap h2 {
  margin: 0;
}
.service-card p,
.feature-panel p,
.step-card p,
.article-card p,
.split-copy p,
.contact-copy p,
.contact-note,
.faq-item p,
.site-footer p {
  color: var(--muted);
}
.service-card p,
.article-card p,
.feature-panel p,
.step-card p { margin-top: 12px; }
.service-card a,
.article-card {
  display: inline-flex;
  margin-top: 18px;
  font-weight: 800;
  color: var(--accent-2);
}
.service-card a:hover,
.article-card:hover { color: var(--accent); }
.feature-panels {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 24px;
}
.feature-panel {
  border-radius: 28px;
  padding: 28px;
}

.section-dark {
  background: linear-gradient(180deg, var(--accent-3), #112d4a);
  color: #fff;
}
.section-dark .section-head .eyebrow,
.section-dark .section-head p,
.section-dark .step-card p,
.section-dark .step-card span { color: rgba(255,255,255,.72); }
.section-dark .step-card {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.12);
  color: #fff;
}
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 22px;
}
.step-card {
  border-radius: 28px;
  padding: 28px;
}
.step-card span {
  font-size: 13px;
  font-weight: 800;
  letter-spacing: .14em;
  text-transform: uppercase;
}
.step-card h3 { margin-top: 12px; font-size: 1.18rem; }

.split-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, .9fr);
  gap: 34px;
  align-items: center;
}
.split-copy h2 {
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.08;
}
.split-copy p + p { margin-top: 16px; }
.check-list {
  margin-top: 22px;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 12px;
}
.check-list li {
  position: relative;
  padding-left: 28px;
  font-weight: 600;
}
.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 0;
  color: var(--accent-2);
  font-weight: 900;
}
.split-card {
  overflow: hidden;
  border-radius: 32px;
}
.split-card img {
  width: 100%;
  aspect-ratio: 1 / .92;
  object-fit: cover;
}
.split-card__content {
  padding: 26px;
}
.split-card__content strong { font-size: 1.05rem; }
.split-card__content p { margin-top: 10px; }

.section-accent {
  background: linear-gradient(180deg, var(--bg-2), #edf2f7);
}
.article-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}
.article-card {
  flex-direction: column;
  align-items: flex-start;
  border-radius: 30px;
  padding: 26px;
}
.article-card__tag {
  color: var(--accent-2);
}
.article-card h3 {
  margin-top: 12px;
  font-size: 1.3rem;
}
.article-card p { margin-top: 12px; }

.faq-wrap {
  max-width: 920px;
}
.faq-list {
  display: grid;
  gap: 14px;
}
.faq-item {
  border-radius: 24px;
  padding: 0 24px;
}
.faq-item summary {
  cursor: pointer;
  list-style: none;
  font-weight: 800;
  padding: 22px 0;
  position: relative;
  padding-right: 36px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  font-size: 28px;
  color: var(--accent-2);
}
.faq-item[open] summary::after { content: "–"; }
.faq-item p {
  padding-bottom: 22px;
}

.section-contact {
  background: linear-gradient(180deg, #0d2239 0%, #133252 100%);
  color: #fff;
}
.contact-grid {
  display: grid;
  grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr);
  gap: 34px;
  align-items: start;
}
.contact-copy h2 {
  font-size: clamp(2rem, 4vw, 3rem);
  line-height: 1.08;
}
.contact-copy .eyebrow,
.contact-copy p,
.contact-note,
.form-footnote {
  color: rgba(255,255,255,.74);
}
.contact-boxes {
  display: grid;
  gap: 16px;
  margin: 26px 0 18px;
}
.contact-boxes > div {
  border-radius: 24px;
  padding: 18px 20px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.12);
}
.contact-boxes strong {
  display: block;
  margin-bottom: 6px;
  color: rgba(255,255,255,.62);
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: .08em;
}
.contact-boxes a { font-size: 1.05rem; font-weight: 800; }
.form-shell {
  border-radius: 34px;
  padding: 28px;
  background: rgba(255,255,255,.94);
  color: var(--text);
}
.contact-form { display: grid; gap: 16px; }
.form-grid {
  display: grid;
  gap: 16px;
}
.form-grid-2 { grid-template-columns: 1fr 1fr; }
.contact-form label,
.callback-box legend {
  display: grid;
  gap: 8px;
  font-weight: 700;
}
.contact-form label > span,
.callback-box legend {
  font-size: 14px;
}
.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  min-height: 54px;
  border-radius: 18px;
  border: 1px solid var(--line-strong);
  background: #fff;
  padding: 0 16px;
  color: var(--text);
  transition: border-color .2s ease, box-shadow .2s ease;
}
.contact-form textarea {
  min-height: 140px;
  padding: 14px 16px;
  resize: vertical;
}
.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  outline: none;
  border-color: var(--accent-2);
  box-shadow: 0 0 0 4px rgba(15,59,115,.12);
}
.callback-box {
  margin: 0;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 24px;
}
.callback-options {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.choice-pill {
  position: relative;
  display: inline-flex;
  cursor: pointer;
}
.choice-pill input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.choice-pill span {
  display: inline-flex;
  min-height: 46px;
  align-items: center;
  padding: 0 16px;
  border-radius: 999px;
  background: var(--bg-2);
  border: 1px solid transparent;
  font-weight: 700;
}
.choice-pill input:checked + span {
  background: rgba(15,59,115,.1);
  border-color: rgba(15,59,115,.24);
  color: var(--accent-2);
}
.form-conditional[hidden] { display: none !important; }
.privacy-row {
  display: flex !important;
  gap: 12px;
  align-items: flex-start;
  font-weight: 500 !important;
}
.privacy-row input {
  width: 18px;
  height: 18px;
  min-height: 18px;
  margin-top: 3px;
  border-radius: 6px;
  padding: 0;
}

.form-trap {
  position: absolute !important;
  left: -9999px !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
  opacity: 0 !important;
  pointer-events: none !important;
}
.form-status {
  display: none;
  padding: 14px 16px;
  border-radius: 18px;
  font-weight: 700;
}
.form-status.is-visible { display: block; }
.form-status.is-success {
  background: var(--success-bg);
  color: var(--success-text);
}
.form-status.is-error {
  background: var(--error-bg);
  color: var(--error-text);
}
.form-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
}
.form-actions .btn { min-width: 220px; }
.form-footnote {
  font-size: 14px;
  max-width: 42ch;
}

.site-footer {
  background: #0a182a;
  color: rgba(255,255,255,.86);
  padding: 42px 0 22px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.35fr .8fr .8fr;
  gap: 28px;
}
.brand-footer { color: #fff; }
.site-footer h3 {
  margin: 4px 0 14px;
  font-size: 1rem;
}
.site-footer ul {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 8px;
}
.site-footer a { color: rgba(255,255,255,.82); }
.site-footer a:hover { color: #fff; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  margin-top: 26px;
  padding-top: 18px;
  border-top: 1px solid rgba(255,255,255,.1);
  color: rgba(255,255,255,.56);
}

.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .7s ease, transform .7s ease;
}
.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}
.delay-1 { transition-delay: .08s; }
.delay-2 { transition-delay: .16s; }
.delay-3 { transition-delay: .24s; }

@media (max-width: 1120px) {
  .hero-grid,
  .contact-grid,
  .split-grid,
  .cards-grid-3,
  .article-grid,
  .trust-grid,
  .steps-grid,
  .footer-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .hero-grid {
    align-items: end;
    min-height: 860px;
  }
  .feature-panels { grid-template-columns: 1fr; }
}

@media (max-width: 860px) {
  .topbar-inner {
    justify-content: center;
    min-height: 42px;
  }
  .topbar-cta { padding: 11px 0; }
  .site-header { top: 42px; }
  .nav-toggle { display: inline-flex; }
  .main-nav {
    position: fixed;
    inset: 42px 0 0 0;
    display: flex;
    flex-direction: column;
    align-items: stretch;
    gap: 10px;
    padding: 98px 18px 22px;
    background:
      radial-gradient(circle at top right, rgba(202,165,74,.2), transparent 26%),
      radial-gradient(circle at left 18% top 12%, rgba(55,106,180,.24), transparent 24%),
      linear-gradient(180deg, rgba(6,16,28,.94), rgba(9,24,42,.985) 28%, rgba(13,34,57,.995) 100%);
    backdrop-filter: blur(22px) saturate(140%);
    -webkit-backdrop-filter: blur(22px) saturate(140%);
    box-shadow: 0 34px 84px rgba(4, 10, 20, .44);
    border-top: 1px solid rgba(255,255,255,.08);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transform: translateY(-18px);
    transition: opacity .34s ease, transform .44s cubic-bezier(.22,1,.36,1), visibility .34s ease;
    overflow: auto;
  }
  .main-nav::before {
    content: '';
    position: absolute;
    inset: 86px 18px auto 18px;
    height: 1px;
    background: linear-gradient(90deg, rgba(255,255,255,0), rgba(255,255,255,.14), rgba(255,255,255,0));
    pointer-events: none;
  }
  .main-nav::after {
    content: 'Doradca Kredytowy Warszawa';
    position: absolute;
    top: 58px;
    left: 18px;
    right: 18px;
    color: rgba(255,255,255,.76);
    font-size: 12px;
    letter-spacing: .28em;
    text-transform: uppercase;
    font-weight: 800;
    pointer-events: none;
  }
  .site-header.is-open .main-nav {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateY(0);
  }
  .main-nav > a {
    position: relative;
    padding: 16px 18px;
    border-radius: 22px;
    color: rgba(255,255,255,.92);
    background: linear-gradient(180deg, rgba(255,255,255,.05), rgba(255,255,255,.025));
    border: 1px solid rgba(255,255,255,.08);
    box-shadow: inset 0 1px 0 rgba(255,255,255,.04);
    font-size: 19px;
    line-height: 1.2;
    font-weight: 760;
    letter-spacing: -.02em;
    transform: translateY(18px);
    opacity: 0;
    transition: transform .5s cubic-bezier(.22,1,.36,1), opacity .42s ease, background .24s ease, border-color .24s ease, color .24s ease;
  }
  .site-header.is-open .main-nav > a {
    transform: translateY(0);
    opacity: 1;
  }
  .main-nav > a:nth-child(1) { transition-delay: .06s; }
  .main-nav > a:nth-child(2) { transition-delay: .1s; }
  .main-nav > a:nth-child(3) { transition-delay: .14s; }
  .main-nav > a:nth-child(4) { transition-delay: .18s; }
  .main-nav > a:nth-child(5) { transition-delay: .22s; }
  .main-nav > a:nth-child(6) { transition-delay: .26s; }
  .main-nav > a:nth-child(7) { transition-delay: .3s; }
  .main-nav > a:nth-child(8) { transition-delay: .34s; }
  .main-nav > a:nth-child(9) { transition-delay: .38s; }
  .main-nav > a:hover,
  .main-nav > a:focus-visible {
    background: linear-gradient(180deg, rgba(255,255,255,.1), rgba(255,255,255,.05));
    border-color: rgba(202,165,74,.34);
    color: #fff;
    transform: translateY(0);
  }
  .main-nav > a:not(.btn-nav)::after {
    content: '→';
    position: absolute;
    right: 18px;
    top: 50%;
    transform: translateY(-50%);
    color: rgba(255,255,255,.46);
    font-size: 18px;
    transition: transform .24s ease, color .24s ease;
  }
  .main-nav > a:not(.btn-nav):hover::after,
  .main-nav > a:not(.btn-nav):focus-visible::after {
    transform: translate(4px,-50%);
    color: rgba(202,165,74,.96);
  }
  .main-nav .btn-nav {
    margin-top: 12px;
    width: 100%;
    min-height: 58px;
    font-size: 17px;
    box-shadow: 0 18px 36px rgba(202,165,74,.2);
  }
  .hero-grid,
  .contact-grid,
  .split-grid,
  .cards-grid-3,
  .article-grid,
  .trust-grid,
  .steps-grid,
  .footer-grid,
  .hero-mini-grid,
  .form-grid-2 {
    grid-template-columns: 1fr;
  }
  .hero-grid {
    min-height: auto;
    padding: 74px 0 44px;
  }
  .hero h1 { max-width: 13ch; }
  .hero-card { padding: 22px; }
  .trust-strip { margin-top: 0; padding-top: 20px; }
  .section { padding: 76px 0; }
  .form-shell { padding: 22px; }
  .footer-bottom { flex-direction: column; }
}

@media (max-width: 560px) {
  .container { width: min(var(--maxw), calc(100% - 20px)); }
  .site-header .nav-shell { min-height: 78px; }
  .brand { gap: 12px; }
  .brand-logo { width: 52px; height: 52px; border-radius: 14px; filter: none; }
  .brand-copy strong { font-size: 16px; }
  .nav-toggle { width: 52px; height: 52px; border-radius: 18px; }
  .hero h1 { font-size: clamp(2.05rem, 10vw, 3rem); }
  .hero-lead { font-size: 1rem; }
  .hero-actions { flex-direction: column; }
  .btn,
  .form-actions .btn,
  .hero-actions .btn { width: 100%; }
  .form-actions { align-items: stretch; }
  .choice-pill { width: 100%; }
  .choice-pill span { width: 100%; justify-content: center; }
  .faq-item { padding: 0 18px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  body.menu-open { overflow: auto; }
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
  .reveal { opacity: 1; transform: none; }
}


.section-tight { padding-top: 28px; }
.section-soft { background: linear-gradient(180deg, rgba(255,255,255,.55), rgba(255,255,255,.28)); }
.metrics-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}
.metric-card,
.reason-card,
.district-card,
.testimonial-card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 24px;
  box-shadow: var(--shadow-soft);
}
.metric-card {
  padding: 26px;
}
.metric-card strong {
  font-size: 13px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent-2);
}
.metric-card h2 {
  margin: 10px 0 12px;
  font-size: 1.3rem;
  line-height: 1.2;
}
.reasons-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}
.reason-card {
  padding: 24px;
}
.reason-card h3,
.district-card h3,
.testimonial-card strong {
  margin: 0 0 10px;
  font-size: 1.1rem;
}
.section-services-plus {
  overflow: hidden;
}
.split-highlight {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(320px, .85fr);
  gap: 30px;
  align-items: start;
}
.highlight-copy h2,
.cta-band h2 {
  margin: 0 0 14px;
  color: #fff;
  font-size: clamp(1.9rem, 3.6vw, 3rem);
  line-height: 1.08;
}
.highlight-copy > p {
  color: rgba(255,255,255,.82);
}
.scenario-list {
  margin-top: 24px;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 14px;
}
.scenario-list li {
  display: grid;
  grid-template-columns: 180px 1fr;
  gap: 18px;
  align-items: start;
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,.12);
  color: rgba(255,255,255,.84);
}
.scenario-list li strong { color: #fff; }
.highlight-panel {
  display: grid;
  gap: 16px;
}
.highlight-panel__box {
  padding: 24px;
  border-radius: 24px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.12);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.06);
}
.highlight-panel__box strong {
  display: block;
  margin-bottom: 10px;
  color: #fff;
  font-size: 1.05rem;
}
.highlight-panel__box p { color: rgba(255,255,255,.78); }
.districts-grid,
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}
.district-card,
.testimonial-card {
  padding: 22px;
}
.section-cta-band {
  padding-top: 16px;
}
.cta-band {
  background: linear-gradient(135deg, #102744, #163b69 62%, #1e4f8b 100%);
  color: #fff;
  border-radius: 30px;
  padding: 36px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 24px;
  align-items: center;
  box-shadow: var(--shadow);
}
.cta-band p { color: rgba(255,255,255,.8); max-width: 68ch; }
.section-testimonials { padding-top: 10px; }
@media (max-width: 1100px) {
  .reasons-grid,
  .metrics-grid,
  .districts-grid,
  .testimonials-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .split-highlight { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  .metrics-grid,
  .reasons-grid,
  .districts-grid,
  .testimonials-grid { grid-template-columns: 1fr; }
  .scenario-list li { grid-template-columns: 1fr; gap: 8px; }
  .cta-band { grid-template-columns: 1fr; padding: 26px; border-radius: 24px; }
}


.hero-subcopy {
  margin: 18px 0 0;
  max-width: 820px;
  color: rgba(255,255,255,.82);
  font-size: 18px;
}
.eyebrow-dark { color: var(--accent-2); }
.section-prep, .section-cluster { background: transparent; }
.prep-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}
.prep-card {
  background: rgba(255,255,255,.86);
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: var(--shadow-soft);
  padding: 24px;
}
.prep-card h3 { margin: 0 0 10px; font-size: 22px; line-height: 1.2; }
.prep-card p { color: var(--muted); }
.split-grid-equal { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.check-list-dark li { color: var(--text); }
.split-card-light {
  background: rgba(255,255,255,.9);
  border: 1px solid var(--line);
}
.mini-link-grid {
  display: grid;
  gap: 14px;
}
.mini-link-grid a {
  display: block;
  padding: 16px 18px;
  border-radius: 18px;
  background: rgba(244,247,251,.95);
  border: 1px solid var(--line);
  transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease;
}
.mini-link-grid a:hover,
.mini-link-grid a:focus-visible {
  transform: translateY(-2px);
  border-color: rgba(16,39,68,.24);
  box-shadow: var(--shadow-soft);
}
.mini-link-grid strong { display: block; margin-bottom: 4px; }
.mini-link-grid span { color: var(--muted); font-size: 15px; }
@media (max-width: 980px) {
  .prep-grid, .split-grid-equal { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 700px) {
  .prep-grid, .split-grid-equal { grid-template-columns: 1fr; }
  .hero-subcopy { font-size: 16px; }
}

.page-intro-seo{margin:18px 0 0;max-width:760px;color:rgba(255,255,255,.82);font-size:18px;}
@media (max-width:700px){.page-intro-seo{font-size:16px;}}

/* ===== Premium nav 2.1 ===== */
.main-nav {
  display: flex;
  align-items: center;
}
.nav-desktop {
  display: flex;
  align-items: center;
  gap: 24px;
}
.nav-desktop > a {
  color: var(--muted);
  font-weight: 650;
  transition: color .22s ease, opacity .22s ease, transform .22s ease;
}
.nav-desktop > a:hover,
.nav-desktop > a:focus-visible { color: var(--text); transform: translateY(-1px); }
.nav-mobile-panel { display: none; }

@media (max-width: 860px) {
  .site-header { top: 44px; }
  .site-header::before,
  .site-header.is-open::before {
    opacity: 0;
    pointer-events: none;
  }
  .nav-shell {
    min-height: 78px;
    gap: 14px;
  }
  .main-nav {
    position: fixed;
    left: 0;
    right: 0;
    top: 122px;
    height: calc(100dvh - 122px);
    max-height: calc(100dvh - 122px);
    z-index: 55;
    display: block;
    padding: 0;
    background:
      radial-gradient(circle at 88% 7%, rgba(214,174,77,.16), transparent 20%),
      radial-gradient(circle at 8% 0%, rgba(56,113,196,.16), transparent 26%),
      linear-gradient(180deg, rgba(5,16,29,.985) 0%, rgba(8,23,40,.992) 36%, rgba(10,28,48,1) 100%);
    backdrop-filter: blur(18px) saturate(140%);
    -webkit-backdrop-filter: blur(18px) saturate(140%);
    border-top: 1px solid rgba(255,255,255,.06);
    box-shadow: 0 28px 60px rgba(2, 8, 17, .34);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transform: translateY(-12px);
    clip-path: inset(0 0 100% 0 round 0 0 28px 28px);
    transition: opacity .26s ease, transform .42s cubic-bezier(.22,1,.36,1), visibility .26s ease, clip-path .42s cubic-bezier(.22,1,.36,1);
    overflow: hidden;
  }
  .site-header.is-open .main-nav {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateY(0);
    clip-path: inset(0 0 0 0 round 0 0 28px 28px);
  }
  .site-header.is-open {
    background: rgba(247,250,253,.98);
    border-bottom-color: rgba(16,39,68,.1);
    box-shadow: 0 16px 36px rgba(8,24,43,.12);
  }
  .nav-desktop { display: none; }
  .nav-mobile-panel {
    display: block;
    height: 100%;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    min-height: auto;
    padding: 18px 14px 28px;
  }
  .nav-mobile-top {
    display: grid;
    gap: 14px;
    padding: 0 2px 18px;
  }
  .nav-mobile-label {
    display: none;
  }
  .nav-mobile-top h2 {
    margin: 0;
    color: #fff;
    font-size: clamp(1.55rem, 6.8vw, 2rem);
    line-height: 1.02;
    letter-spacing: -.035em;
    max-width: 12ch;
  }
  .nav-mobile-cta {
    width: 100%;
    min-height: 54px;
    box-shadow: 0 16px 30px rgba(202,165,74,.18);
  }
  .nav-mobile-grid {
    display: grid;
    gap: 16px;
  }
  .nav-group {
    padding: 16px;
    border-radius: 24px;
    background: linear-gradient(180deg, rgba(255,255,255,.06), rgba(255,255,255,.03));
    border: 1px solid rgba(255,255,255,.08);
    box-shadow: inset 0 1px 0 rgba(255,255,255,.04), 0 16px 40px rgba(4,10,20,.22);
    transform: translateY(14px);
    opacity: 0;
    transition: transform .42s cubic-bezier(.22,1,.36,1), opacity .3s ease;
  }
  .site-header.is-open .nav-group {
    transform: translateY(0);
    opacity: 1;
  }
  .site-header.is-open .nav-group:nth-child(1) { transition-delay: .05s; }
  .site-header.is-open .nav-group:nth-child(2) { transition-delay: .1s; }
  .nav-group h3 {
    margin: 0 0 12px;
    color: rgba(255,255,255,.94);
    font-size: 14px;
    letter-spacing: .03em;
  }
  .nav-cards {
    display: grid;
    gap: 10px;
  }
  .nav-card {
    position: relative;
    display: grid;
    gap: 4px;
    padding: 16px 42px 16px 16px;
    border-radius: 18px;
    color: #fff;
    background: linear-gradient(180deg, rgba(255,255,255,.07), rgba(255,255,255,.03));
    border: 1px solid rgba(255,255,255,.08);
    box-shadow: inset 0 1px 0 rgba(255,255,255,.04);
    transform: translateY(10px);
    opacity: 0;
    transition: transform .34s cubic-bezier(.22,1,.36,1), opacity .26s ease, border-color .24s ease, background .24s ease, box-shadow .24s ease;
  }
  .site-header.is-open .nav-card {
    transform: translateY(0);
    opacity: 1;
  }
  .site-header.is-open .nav-card:nth-child(1) { transition-delay: .08s; }
  .site-header.is-open .nav-card:nth-child(2) { transition-delay: .1s; }
  .site-header.is-open .nav-card:nth-child(3) { transition-delay: .12s; }
  .site-header.is-open .nav-card:nth-child(4) { transition-delay: .14s; }
  .site-header.is-open .nav-card:nth-child(5) { transition-delay: .16s; }
  .site-header.is-open .nav-card:nth-child(6) { transition-delay: .18s; }
  .site-header.is-open .nav-card:nth-child(7) { transition-delay: .2s; }
  .nav-card::after {
    content: '↗';
    position: absolute;
    right: 16px;
    top: 15px;
    color: rgba(212,176,86,.95);
    font-size: 16px;
    transition: transform .24s ease;
  }
  .nav-card:hover,
  .nav-card:focus-visible {
    border-color: rgba(214,174,77,.34);
    background: linear-gradient(180deg, rgba(255,255,255,.11), rgba(255,255,255,.05));
    box-shadow: inset 0 1px 0 rgba(255,255,255,.06), 0 16px 32px rgba(4,10,20,.22);
  }
  .nav-card:hover::after,
  .nav-card:focus-visible::after { transform: translate(3px,-2px); }
  .nav-card span {
    display: block;
    color: #fff;
    font-size: 1rem;
    font-weight: 760;
    letter-spacing: -.02em;
    line-height: 1.12;
  }
  .nav-card small {
    display: block;
    color: rgba(255,255,255,.64);
    font-size: .84rem;
    line-height: 1.32;
  }
  .nav-card--primary {
    background: linear-gradient(180deg, rgba(214,174,77,.18), rgba(214,174,77,.08));
    border-color: rgba(214,174,77,.28);
  }
}

@media (min-width: 861px) {
  .main-nav { gap: 0; }
}

@media (prefers-reduced-motion: reduce) {
  .nav-group,
  .nav-card,
  .main-nav { transition: none !important; transform: none !important; }
}
.nav-desktop > a.is-active {
  color: var(--text);
}
@media (max-width: 860px) {
  .nav-card.is-active {
    border-color: rgba(214,174,77,.42);
    background: linear-gradient(180deg, rgba(214,174,77,.18), rgba(214,174,77,.07));
  }
}