/* ============================================================
   VERIZONA — main.css
   Theme: #006699 · Roboto · Fintech Patrimoniale
   ============================================================ */
@import url('https://fonts.googleapis.com/css2?family=Roboto:ital,wght@0,300;0,400;0,500;0,700;0,900;1,400&family=Roboto+Slab:wght@300;400;600;700;900&display=swap');

/* ── VARIABLES ── */
:root {
  --teal:       #006699;
  --teal-d:     #004d73;
  --teal-l:     #0088cc;
  --teal-xl:    #33aadd;
  --teal-glow:  rgba(0,102,153,.25);
  --teal-faint: rgba(0,102,153,.06);
  --cyan:       #00b4d8;
  --cyan-l:     #48cae4;
  --green:      #06d6a0;
  --green-d:    #05b387;
  --amber:      #f59e0b;
  --amber-l:    #fcd34d;
  --rose:       #f43f5e;

  --bg:         #f8fafc;
  --bg-d:       #f1f5f9;
  --bg-dd:      #e8f0f5;
  --white:      #ffffff;
  --card-bg:    #ffffff;
  --card-bd:    rgba(0,102,153,.12);
  --card-bd-h:  rgba(0,102,153,.35);

  --text:       #0f1729;
  --text-m:     #4a5568;
  --text-d:     #8899aa;
  --border:     rgba(0,102,153,.1);

  --shadow:     0 4px 24px rgba(0,40,80,.08);
  --shadow-h:   0 12px 40px rgba(0,102,153,.14);
  --shadow-t:   0 4px 20px rgba(0,102,153,.18);

  --r-sm:  8px;
  --r-md:  14px;
  --r-lg:  20px;
  --r-xl:  28px;
}

/* ── RESET ── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:'Roboto',sans-serif;background:var(--bg);color:var(--text);line-height:1.7;overflow-x:hidden}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
::-webkit-scrollbar{width:5px}
::-webkit-scrollbar-track{background:var(--bg-d)}
::-webkit-scrollbar-thumb{background:var(--teal);border-radius:3px}
.container{max-width:1220px;margin:0 auto;padding:0 28px}

/* ── HEADER ── */
.site-header{
  position:fixed;top:0;left:0;right:0;z-index:1000;
  background:rgba(255,255,255,.92);
  backdrop-filter:blur(20px);
  border-bottom:1px solid rgba(0,102,153,.09);
  transition:all .3s;
}
.site-header.scrolled{
  background:rgba(255,255,255,.98);
  box-shadow:0 2px 24px rgba(0,40,80,.08);
}
.hdr{max-width:1220px;margin:0 auto;padding:0 28px;height:68px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo{display:flex;align-items:center;gap:10px;flex-shrink:0}
.logo-icon{
  width:38px;height:38px;border-radius:10px;
  background:linear-gradient(135deg,var(--teal-d),var(--teal-l));
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 4px 14px var(--teal-glow);
}
.logo-icon svg{width:22px;height:22px}
.logo-name{font-family:'Roboto Slab',serif;font-size:1.35rem;font-weight:900;color:var(--teal-d);letter-spacing:-.3px}
.logo-name em{color:var(--teal-l);font-style:normal}
.main-nav{display:flex;align-items:center;gap:2px}
.nla{padding:8px 14px;color:var(--text-m);font-size:.84rem;font-weight:500;border-radius:var(--r-sm);transition:all .2s;white-space:nowrap;position:relative}
.nla:hover,.nla.active{color:var(--teal);background:var(--teal-faint)}
.nla.active::after{content:'';position:absolute;bottom:4px;left:50%;transform:translateX(-50%);width:18px;height:2px;background:var(--teal);border-radius:2px}
.nav-cta{
  padding:9px 22px;
  background:linear-gradient(135deg,var(--teal),var(--teal-d));
  color:#fff;font-size:.84rem;font-weight:700;
  border-radius:50px;
  box-shadow:0 4px 16px var(--teal-glow);
  transition:all .2s;white-space:nowrap;
}
.nav-cta:hover{transform:translateY(-1px);box-shadow:0 6px 22px var(--teal-glow)}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:6px}
.burger span{display:block;width:22px;height:2px;background:var(--text);border-radius:2px;transition:all .3s}
.burger.open span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.burger.open span:nth-child(2){opacity:0}
.burger.open span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.mob-nav{display:none;flex-direction:column;background:#fff;border-bottom:1px solid var(--border);padding:14px 28px 18px;gap:2px;box-shadow:0 8px 24px rgba(0,0,0,.06)}
.mob-nav.open{display:flex}
.mob-nav .nla{font-size:.93rem;padding:11px 14px;color:var(--text-m)}

/* ── HERO ── */
.hero{
  min-height:100vh;display:flex;align-items:center;
  position:relative;overflow:hidden;padding-top:68px;
  background:linear-gradient(135deg,#f0f8ff 0%,#e8f4fb 40%,#dff0f8 100%);
}
.hero::before{
  content:'';position:absolute;inset:0;
  background:
    radial-gradient(ellipse at 80% 20%,rgba(0,102,153,.07) 0%,transparent 55%),
    radial-gradient(ellipse at 20% 80%,rgba(0,180,216,.06) 0%,transparent 50%);
}
/* Grid lines decoration */
.hero::after{
  content:'';position:absolute;inset:0;pointer-events:none;
  background-image:
    linear-gradient(rgba(0,102,153,.04) 1px,transparent 1px),
    linear-gradient(90deg,rgba(0,102,153,.04) 1px,transparent 1px);
  background-size:60px 60px;
}
.hero-inner{
  max-width:1220px;margin:0 auto;padding:80px 28px;
  display:grid;grid-template-columns:1fr 1fr;gap:72px;
  align-items:center;position:relative;z-index:2;
}
.hero-badge{
  display:inline-flex;align-items:center;gap:8px;
  background:linear-gradient(90deg,rgba(0,102,153,.08),rgba(0,180,216,.06));
  border:1px solid rgba(0,102,153,.2);
  color:var(--teal);padding:7px 16px;border-radius:50px;
  font-size:.73rem;letter-spacing:1.5px;text-transform:uppercase;font-weight:700;margin-bottom:22px;
}
.hero-badge .dot{width:6px;height:6px;background:var(--green);border-radius:50%;animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.6;transform:scale(1.3)}}
.hero-h1{
  font-family:'Roboto Slab',serif;
  font-size:clamp(2.2rem,5vw,3.6rem);
  line-height:1.1;font-weight:900;color:var(--teal-d);margin-bottom:18px;
}
.hero-h1 .line-c{color:var(--teal-l);display:block}
.hero-h1 .line-g{color:var(--green-d);display:block}
.hero-sub{color:var(--text-m);font-size:1.05rem;line-height:1.85;margin-bottom:32px;max-width:500px}
.hero-btns{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:40px}
.btn{
  padding:13px 26px;background:linear-gradient(135deg,var(--teal),var(--teal-d));
  color:#fff;border:none;border-radius:12px;font-size:.93rem;font-weight:700;
  cursor:pointer;transition:all .2s;box-shadow:var(--shadow-t);
  display:inline-flex;align-items:center;gap:8px;font-family:'Roboto',sans-serif;
}
.btn:hover{transform:translateY(-2px);box-shadow:0 8px 28px var(--teal-glow)}
.btn-green{background:linear-gradient(135deg,var(--green),var(--green-d));box-shadow:0 4px 16px rgba(6,214,160,.25)}
.btn-ghost{
  padding:13px 26px;border:1.5px solid var(--card-bd);
  color:var(--teal);border-radius:12px;font-size:.93rem;font-weight:600;
  transition:all .2s;background:transparent;
  display:inline-flex;align-items:center;gap:8px;
}
.btn-ghost:hover{border-color:var(--teal);background:var(--teal-faint)}
.btn-sm{padding:10px 18px;font-size:.82rem;border-radius:var(--r-sm)}

/* Hero trust badges */
.trust-row{display:flex;align-items:center;gap:20px;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:7px;font-size:.78rem;color:var(--text-m)}
.trust-item .ti-icon{width:22px;height:22px;border-radius:50%;background:var(--teal-faint);display:flex;align-items:center;justify-content:center;font-size:.75rem;color:var(--teal)}

/* Hero visual panel */
.hero-visual{position:relative}
.hero-card{
  background:#fff;border-radius:var(--r-xl);padding:0;
  box-shadow:0 24px 60px rgba(0,40,80,.12),0 8px 20px rgba(0,102,153,.08);
  overflow:hidden;
}
.hc-header{
  background:linear-gradient(135deg,var(--teal-d),var(--teal-l));
  padding:24px 28px;
  display:flex;align-items:center;justify-content:space-between;
}
.hc-title{color:rgba(255,255,255,.8);font-size:.78rem;text-transform:uppercase;letter-spacing:1.5px;font-weight:700}
.hc-amount{font-family:'Roboto Slab',serif;font-size:2.4rem;font-weight:900;color:#fff}
.hc-change{background:rgba(6,214,160,.2);color:#06d6a0;font-size:.75rem;font-weight:700;padding:3px 10px;border-radius:50px}
.hc-body{padding:24px 28px}
.hc-chart{height:90px;display:flex;align-items:flex-end;gap:6px;margin-bottom:20px}
.hc-bar{flex:1;border-radius:4px 4px 0 0;background:var(--teal-faint);position:relative;overflow:hidden;transition:height .6s ease}
.hc-bar::after{content:'';position:absolute;inset:0;background:linear-gradient(180deg,var(--teal-l),var(--teal));opacity:.7;transform-origin:bottom;animation:barGrow .8s ease forwards}
@keyframes barGrow{from{transform:scaleY(0)}to{transform:scaleY(1)}}
.hc-metrics{display:grid;grid-template-columns:1fr 1fr 1fr;gap:14px}
.hc-metric{background:var(--bg-d);border-radius:var(--r-sm);padding:12px}
.hc-metric-val{font-family:'Roboto Slab',serif;font-size:1.1rem;font-weight:700;color:var(--teal-d)}
.hc-metric-lbl{font-size:.68rem;color:var(--text-d);margin-top:2px}
/* Floating cards */
.float-badge{
  position:absolute;background:#fff;border-radius:var(--r-md);padding:10px 14px;
  box-shadow:var(--shadow-h);animation:fbFloat 4s ease-in-out infinite;
  display:flex;align-items:center;gap:9px;
}
.fb1{top:-22px;right:-20px;animation-delay:0s}
.fb2{bottom:-16px;left:-18px;animation-delay:-2s}
@keyframes fbFloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
.fb-icon{width:34px;height:34px;border-radius:var(--r-sm);display:flex;align-items:center;justify-content:center;font-size:.95rem}
.fb-icon.green{background:rgba(6,214,160,.12)}
.fb-icon.amber{background:rgba(245,158,11,.12)}
.fb-text strong{display:block;font-size:.82rem;color:var(--text);font-weight:700}
.fb-text span{font-size:.7rem;color:var(--text-d)}

/* ── TICKER ── */
.ticker-bar{
  background:var(--teal-d);
  padding:10px 0;overflow:hidden;
}
.ticker-track{display:flex;gap:60px;width:max-content;animation:tickRoll 60s linear infinite}
@keyframes tickRoll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.ticker-item{white-space:nowrap;font-size:.78rem;color:rgba(255,255,255,.7);display:flex;align-items:center;gap:8px}
.ti-sep{color:var(--cyan);font-size:.6rem}

/* ── SECTIONS ── */
.sec{padding:88px 0;position:relative}
.sec-light{background:var(--bg)}
.sec-white{background:#fff}
.sec-teal{background:var(--teal-d)}
.sec-grad{background:linear-gradient(135deg,#f0f8ff,#e5f3fb)}
.sec-hdr{text-align:center;margin-bottom:56px}
.sec-eyebrow{
  display:inline-flex;align-items:center;gap:6px;
  font-size:.71rem;letter-spacing:2.5px;text-transform:uppercase;
  color:var(--teal);font-weight:700;margin-bottom:10px;
}
.sec-eyebrow .sep{width:20px;height:2px;background:var(--teal);border-radius:1px}
.sec-title{
  font-family:'Roboto Slab',serif;
  font-size:clamp(1.7rem,3.5vw,2.35rem);
  color:var(--text);font-weight:700;margin-bottom:12px;line-height:1.2;
}
.sec-title .hl{color:var(--teal-l)}
.sec-title .hl-g{color:var(--green-d)}
.sec-title .hl-a{color:var(--amber)}
.sec-sub{color:var(--text-m);font-size:.97rem;max-width:530px;margin:0 auto;line-height:1.85}
.row-hdr{display:flex;align-items:flex-end;justify-content:space-between;margin-bottom:32px;flex-wrap:wrap;gap:12px}
.row-hdr h2{font-family:'Roboto Slab',serif;font-size:1.5rem;font-weight:700;color:var(--text)}
.row-hdr h2 span{color:var(--teal-l)}
.see-all{color:var(--teal);font-size:.82rem;font-weight:600;display:flex;align-items:center;gap:4px;transition:gap .2s;white-space:nowrap}
.see-all:hover{gap:8px}

/* ── SERVICE CARDS ── */
.services-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.svc-card{
  background:#fff;border:1px solid var(--card-bd);border-radius:var(--r-lg);
  padding:28px 24px;transition:all .3s;
  text-decoration:none;position:relative;overflow:hidden;
}
.svc-card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--teal),var(--cyan-l));
  transform:scaleX(0);transform-origin:left;transition:transform .3s;
}
.svc-card:hover{border-color:var(--card-bd-h);transform:translateY(-6px);box-shadow:var(--shadow-h)}
.svc-card:hover::before{transform:scaleX(1)}
.svc-icon{
  width:52px;height:52px;border-radius:var(--r-md);
  background:var(--teal-faint);
  display:flex;align-items:center;justify-content:center;
  font-size:1.5rem;margin-bottom:16px;transition:all .3s;
}
.svc-card:hover .svc-icon{background:linear-gradient(135deg,var(--teal),var(--teal-l));transform:scale(1.08)}
.svc-card:hover .svc-icon{filter:none}
.svc-title{font-family:'Roboto Slab',serif;font-size:1rem;font-weight:700;color:var(--text);margin-bottom:8px}
.svc-desc{font-size:.84rem;color:var(--text-m);line-height:1.75;margin-bottom:14px}
.svc-link{font-size:.8rem;color:var(--teal);font-weight:600;display:flex;align-items:center;gap:4px;transition:gap .2s}
.svc-card:hover .svc-link{gap:8px}

/* ── STATS ROW ── */
.stats-row{
  display:grid;grid-template-columns:repeat(4,1fr);
  background:#fff;border:1px solid var(--card-bd);
  border-radius:var(--r-xl);overflow:hidden;
  box-shadow:var(--shadow);
}
.stat-item{padding:28px 24px;text-align:center;border-right:1px solid var(--border)}
.stat-item:last-child{border-right:none}
.stat-num{font-family:'Roboto Slab',serif;font-size:2rem;font-weight:900;color:var(--teal);display:block}
.stat-lbl{font-size:.75rem;color:var(--text-d);text-transform:uppercase;letter-spacing:1px;margin-top:4px}

/* ── ARTICLE CARDS ── */
.articles-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.articles-grid.g2{grid-template-columns:repeat(2,1fr)}
.article-card{
  background:#fff;border:1px solid var(--card-bd);border-radius:var(--r-lg);
  overflow:hidden;transition:all .3s;display:flex;flex-direction:column;
}
.article-card:hover{border-color:var(--card-bd-h);transform:translateY(-5px);box-shadow:var(--shadow-h)}
.ac-img-wrap{overflow:hidden;position:relative;flex-shrink:0}
.ac-img{width:100%;height:195px;object-fit:cover;transition:transform .4s}
.article-card:hover .ac-img{transform:scale(1.04)}
.ac-tag{
  position:absolute;top:12px;left:12px;
  font-size:.65rem;font-weight:700;padding:4px 10px;border-radius:50px;
  letter-spacing:.8px;text-transform:uppercase;
}
.tag-teal{background:rgba(0,102,153,.12);border:1px solid rgba(0,102,153,.25);color:var(--teal-d)}
.tag-green{background:rgba(6,214,160,.15);border:1px solid rgba(6,214,160,.3);color:var(--green-d)}
.tag-amber{background:rgba(245,158,11,.12);border:1px solid rgba(245,158,11,.25);color:#b45309}
.tag-cyan{background:rgba(0,180,216,.12);border:1px solid rgba(0,180,216,.28);color:#0077a8}
.ac-body{padding:20px;flex:1;display:flex;flex-direction:column}
.ac-title{font-family:'Roboto Slab',serif;font-size:1rem;font-weight:700;color:var(--text);margin-bottom:8px;line-height:1.4}
.ac-desc{font-size:.84rem;color:var(--text-m);line-height:1.75;margin-bottom:14px;flex:1}
.ac-meta{display:flex;align-items:center;justify-content:space-between;margin-top:auto}
.ac-time{font-size:.72rem;color:var(--text-d)}
.ac-read{font-size:.8rem;color:var(--teal);font-weight:600;display:flex;align-items:center;gap:3px;transition:gap .2s}
.article-card:hover .ac-read{gap:7px}

/* ── FEATURED ARTICLE ── */
.feat-block{
  background:#fff;border:1px solid var(--card-bd);border-radius:var(--r-xl);
  overflow:hidden;display:grid;grid-template-columns:1.1fr 1fr;transition:all .3s;
}
.feat-block:hover{border-color:var(--card-bd-h);box-shadow:var(--shadow-h)}
.fb-img{width:100%;height:100%;min-height:380px;object-fit:cover}
.fb-body{padding:48px;display:flex;flex-direction:column;justify-content:center}
.fb-eye{font-size:.7rem;letter-spacing:2px;text-transform:uppercase;color:var(--teal);font-weight:700;margin-bottom:12px;display:flex;align-items:center;gap:6px}
.fb-title{font-family:'Roboto Slab',serif;font-size:1.7rem;font-weight:900;color:var(--text);line-height:1.2;margin-bottom:14px}
.fb-desc{color:var(--text-m);line-height:1.85;margin-bottom:22px}
.fb-pills{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px}
.pill{padding:5px 12px;border-radius:50px;font-size:.72rem;font-weight:600;background:var(--teal-faint);border:1px solid var(--card-bd);color:var(--teal)}

/* ── PROCESS STEPS ── */
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.process-grid::before{
  content:'';position:absolute;top:32px;left:10%;right:10%;height:2px;
  background:linear-gradient(90deg,var(--teal),var(--cyan-l));
  z-index:0;
}
.step-card{text-align:center;position:relative;z-index:1;padding:0 16px}
.step-num{
  width:64px;height:64px;border-radius:50%;
  background:linear-gradient(135deg,var(--teal),var(--teal-l));
  color:#fff;font-family:'Roboto Slab',serif;font-size:1.4rem;font-weight:900;
  display:flex;align-items:center;justify-content:center;
  margin:0 auto 18px;
  box-shadow:0 4px 16px var(--teal-glow);
}
.step-title{font-family:'Roboto Slab',serif;font-size:.95rem;font-weight:700;color:var(--text);margin-bottom:8px}
.step-desc{font-size:.83rem;color:var(--text-m);line-height:1.7}

/* ── SIMULATOR / CTA BANNER ── */
.cta-banner{
  background:linear-gradient(135deg,var(--teal-d),var(--teal));
  border-radius:var(--r-xl);padding:56px 60px;
  display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center;
  position:relative;overflow:hidden;
}
.cta-banner::before{
  content:'';position:absolute;right:-60px;top:-60px;
  width:280px;height:280px;border-radius:50%;
  background:rgba(255,255,255,.05);
}
.cta-banner::after{
  content:'';position:absolute;left:-40px;bottom:-60px;
  width:200px;height:200px;border-radius:50%;
  background:rgba(255,255,255,.04);
}
.cta-banner h2{font-family:'Roboto Slab',serif;font-size:1.85rem;color:#fff;font-weight:900;margin-bottom:10px}
.cta-banner p{color:rgba(255,255,255,.78);max-width:500px;line-height:1.8}
.cta-btns{display:flex;gap:12px;flex-wrap:wrap;position:relative;z-index:1}
.btn-white{background:#fff;color:var(--teal-d);font-weight:700;box-shadow:none}
.btn-white:hover{background:var(--bg-d)}
.btn-outline-w{border:2px solid rgba(255,255,255,.5);color:#fff;background:transparent;padding:12px 24px;border-radius:12px;font-weight:600;font-size:.9rem;transition:all .2s;display:inline-flex;align-items:center;gap:8px}
.btn-outline-w:hover{background:rgba(255,255,255,.1);border-color:#fff}

/* ── REVIEWS ── */
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.rev-card{background:#fff;border:1px solid var(--card-bd);border-radius:var(--r-lg);padding:24px;transition:all .2s}
.rev-card:hover{border-color:var(--card-bd-h);transform:translateY(-3px);box-shadow:var(--shadow-h)}
.rev-stars{color:var(--amber);font-size:.9rem;margin-bottom:12px;display:flex;gap:2px}
.rev-txt{font-size:.87rem;line-height:1.78;margin-bottom:14px;color:var(--text-m);font-style:italic}
.rev-author{display:flex;align-items:center;gap:10px}
.rev-av{width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,var(--teal),var(--teal-l));display:flex;align-items:center;justify-content:center;font-size:.85rem;color:#fff;font-weight:700;flex-shrink:0}
.rev-name{font-size:.86rem;font-weight:700;color:var(--text)}
.rev-meta{font-size:.71rem;color:var(--text-d)}
.rev-badge{margin-left:auto;background:rgba(6,214,160,.1);border:1px solid rgba(6,214,160,.25);color:var(--green-d);font-size:.67rem;padding:2px 8px;border-radius:50px;font-weight:600}
.rev-stats{background:linear-gradient(135deg,rgba(0,102,153,.05),rgba(0,180,216,.04));border:1px solid var(--card-bd);border-radius:var(--r-lg);padding:28px;display:flex;align-items:center;justify-content:space-around;flex-wrap:wrap;gap:20px;margin-bottom:36px}
.rvst-num{font-family:'Roboto Slab',serif;font-size:2rem;color:var(--teal);font-weight:700;display:block}
.rvst-num.gd{color:var(--green-d)}
.rvst-lbl{font-size:.75rem;color:var(--text-d)}

/* ── NEWSLETTER ── */
.nl-box{
  background:linear-gradient(135deg,var(--teal-d),var(--teal-l));
  border-radius:var(--r-xl);padding:52px 48px;
  text-align:center;position:relative;overflow:hidden;
}
.nl-box::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 50% 0%,rgba(255,255,255,.08),transparent 60%);pointer-events:none}
.nl-box h2{font-family:'Roboto Slab',serif;font-size:1.9rem;color:#fff;margin-bottom:10px;position:relative;z-index:1}
.nl-box p{color:rgba(255,255,255,.78);margin-bottom:28px;max-width:460px;margin-left:auto;margin-right:auto;line-height:1.8;position:relative;z-index:1}
.nl-form{display:flex;gap:10px;max-width:440px;margin:0 auto;position:relative;z-index:1}
.nl-form input{flex:1;padding:13px 18px;background:rgba(255,255,255,.15);border:1.5px solid rgba(255,255,255,.3);border-radius:12px;color:#fff;font-family:'Roboto',sans-serif;font-size:.95rem}
.nl-form input::placeholder{color:rgba(255,255,255,.55)}
.nl-form input:focus{outline:none;border-color:#fff;background:rgba(255,255,255,.2)}
.nl-form button{padding:13px 20px;background:#fff;color:var(--teal-d);border:none;border-radius:12px;font-weight:700;font-size:.88rem;cursor:pointer;white-space:nowrap;transition:all .2s;font-family:'Roboto',sans-serif}
.nl-form button:hover{background:var(--bg-d)}

/* ── FORMS ── */
.cf{background:#fff;border:1px solid var(--card-bd);border-radius:var(--r-xl);padding:42px;box-shadow:var(--shadow)}
.cf h2{font-family:'Roboto Slab',serif;font-size:1.6rem;color:var(--text);margin-bottom:6px}
.cf .fsub{color:var(--text-m);margin-bottom:26px;font-size:.92rem}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.fg{margin-bottom:18px}
.fg label{display:block;font-size:.81rem;font-weight:600;color:var(--text-m);margin-bottom:6px}
.fg label .req{color:var(--teal)}
.fg input,.fg select,.fg textarea{
  width:100%;padding:12px 16px;
  background:#f9fbfd;border:1.5px solid var(--border);
  border-radius:var(--r-sm);color:var(--text);
  font-family:'Roboto',sans-serif;font-size:.92rem;transition:all .2s;
  box-sizing:border-box;
}
.fg input:focus,.fg select:focus,.fg textarea:focus{outline:none;border-color:var(--teal);background:#fff;box-shadow:0 0 0 3px rgba(0,102,153,.08)}
.fg textarea{resize:vertical;min-height:130px}
.f-submit{
  width:100%;padding:14px;background:linear-gradient(135deg,var(--teal),var(--teal-d));
  color:#fff;border:none;border-radius:12px;font-size:.97rem;font-weight:700;
  cursor:pointer;transition:all .2s;box-shadow:var(--shadow-t);
  font-family:'Roboto',sans-serif;
}
.f-submit:hover{opacity:.9;transform:translateY(-1px)}

/* ── PAGE HERO ── */
.ph{
  background:linear-gradient(135deg,var(--teal-d) 0%,var(--teal-l) 100%);
  padding:112px 0 58px;position:relative;overflow:hidden;
}
.ph::after{
  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");
  pointer-events:none;
}
.ph-inner{max-width:1220px;margin:0 auto;padding:0 28px;position:relative;z-index:2}
.ph-badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.3);color:#fff;padding:6px 16px;border-radius:50px;font-size:.72rem;letter-spacing:2px;text-transform:uppercase;font-weight:700;margin-bottom:16px}
.ph h1{font-family:'Roboto Slab',serif;font-size:clamp(1.9rem,4vw,3rem);color:#fff;font-weight:900;margin-bottom:14px;max-width:700px}
.ph p{color:rgba(255,255,255,.82);font-size:1rem;max-width:560px;line-height:1.85}
.ph-breadcrumb{display:flex;align-items:center;gap:8px;font-size:.78rem;color:rgba(255,255,255,.6);margin-bottom:20px}
.ph-breadcrumb a{color:rgba(255,255,255,.7);transition:color .2s}
.ph-breadcrumb a:hover{color:#fff}

/* ── CONTENT + SIDEBAR ── */
.csl{display:grid;grid-template-columns:1fr 300px;gap:40px;max-width:1220px;margin:0 auto;padding:56px 28px}
.article-body h2{font-family:'Roboto Slab',serif;font-size:1.4rem;color:var(--text);margin:34px 0 14px;padding-bottom:10px;border-bottom:2px solid var(--bg-dd)}
.article-body h3{font-family:'Roboto Slab',serif;font-size:1.05rem;color:var(--teal-d);margin:22px 0 10px;display:flex;align-items:center;gap:8px}
.article-body p{color:var(--text-m);line-height:1.92;margin-bottom:16px;font-size:.96rem}
.article-body ul{color:var(--text-m);padding-left:22px;margin-bottom:16px}
.article-body ul li{margin-bottom:8px;line-height:1.8}
.article-body blockquote{
  border-left:4px solid var(--teal);padding:16px 20px;
  background:var(--teal-faint);border-radius:0 var(--r-sm) var(--r-sm) 0;
  margin:20px 0;color:var(--text-m);font-style:italic;
}
.info-box{
  background:linear-gradient(135deg,rgba(0,102,153,.06),rgba(0,180,216,.04));
  border:1px solid var(--card-bd);border-radius:var(--r-md);
  padding:22px 24px;margin:20px 0;
}
.info-box h4{font-family:'Roboto Slab',serif;font-size:.95rem;color:var(--teal-d);margin-bottom:10px;display:flex;align-items:center;gap:7px}
.sw{background:#fff;border:1px solid var(--card-bd);border-radius:var(--r-md);padding:20px;margin-bottom:18px}
.sw h3{font-family:'Roboto Slab',serif;font-size:.9rem;color:var(--text);font-weight:700;margin-bottom:13px;padding-bottom:9px;border-bottom:1px solid var(--border)}
.sw-link{display:flex;align-items:center;gap:9px;padding:9px 0;border-bottom:1px solid rgba(0,102,153,.05);text-decoration:none}
.sw-link:last-child{border-bottom:none}
.sw-link .se{font-size:1.1rem;width:28px;text-align:center;color:var(--teal)}
.sw-link strong{display:block;font-size:.82rem;color:var(--text);transition:color .2s}
.sw-link span{font-size:.7rem;color:var(--text-d)}
.sw-link:hover strong{color:var(--teal)}

/* ── LEGAL ── */
.legal-wrap{max-width:860px;margin:0 auto;padding:56px 28px 84px}
.legal-toc{background:#fff;border:1px solid var(--card-bd);border-left:4px solid var(--teal);border-radius:var(--r-md);padding:22px 28px;margin-bottom:44px}
.legal-toc h3{font-family:'Roboto Slab',serif;font-size:.95rem;color:var(--text);margin-bottom:12px}
.legal-toc ol{margin:0;padding-left:18px;display:grid;grid-template-columns:1fr 1fr;gap:4px 20px}
.legal-toc li a{color:var(--teal);font-size:.85rem}
.ls{margin-bottom:44px;padding-bottom:44px;border-bottom:1px solid var(--border)}
.ls:last-child{border-bottom:none}
.ls h2{font-family:'Roboto Slab',serif;font-size:1.25rem;color:var(--text);margin-bottom:14px;padding-bottom:10px;border-bottom:2px solid var(--bg-dd)}
.ls h3{font-size:.9rem;font-weight:700;color:var(--teal-d);margin:16px 0 8px}
.ls p{color:var(--text-m);line-height:1.85;margin-bottom:12px;font-size:.91rem}
.ls ul{color:var(--text-m);padding-left:20px;margin-bottom:12px;font-size:.91rem}
.ls ul li{margin-bottom:6px;line-height:1.8}
.linfo{background:var(--teal-faint);border:1px solid var(--card-bd);border-radius:var(--r-sm);padding:16px 20px;margin:12px 0}
.linfo p{margin-bottom:3px;color:var(--text-m);font-size:.91rem}
.linfo strong{color:var(--text)}
.ltbl{width:100%;border-collapse:collapse;font-size:.84rem;margin:14px 0}
.ltbl th{background:var(--teal-faint);color:var(--teal-d);font-weight:700;padding:10px 13px;text-align:left;border:1px solid var(--border)}
.ltbl td{padding:10px 13px;border:1px solid var(--border);color:var(--text-m);vertical-align:top}

/* ── FOOTER ── */
.site-footer{background:var(--teal-d);padding:64px 0 0}
.ft-inner{max-width:1220px;margin:0 auto;padding:0 28px;display:grid;grid-template-columns:1.8fr 1fr 1fr 1fr;gap:48px}
.ft-brand p{color:rgba(255,255,255,.6);font-size:.85rem;line-height:1.8;margin-top:14px;max-width:240px}
.ft-socials{display:flex;gap:10px;margin-top:18px}
.soc{width:38px;height:38px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:var(--r-sm);display:flex;align-items:center;justify-content:center;font-size:.95rem;transition:all .2s}
.soc:hover{background:rgba(255,255,255,.15);border-color:rgba(255,255,255,.3)}
.ft-col h4{font-size:.72rem;letter-spacing:2.5px;text-transform:uppercase;color:var(--cyan-l);font-weight:700;margin-bottom:16px}
.ft-col a{display:block;color:rgba(255,255,255,.55);font-size:.84rem;margin-bottom:9px;transition:color .2s}
.ft-col a:hover{color:#fff}
.ft-disc{background:rgba(0,0,0,.2);border-top:1px solid rgba(255,255,255,.1);padding:14px 28px;margin-top:48px}
.ft-disc p{font-size:.72rem;color:rgba(255,255,255,.4);max-width:1220px;margin:0 auto;line-height:1.7}
.ft-btm{max-width:1220px;margin:0 auto;padding:18px 28px;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}
.ft-btm p{font-size:.74rem;color:rgba(255,255,255,.45)}

/* ── BACK TO TOP ── */
.btt{position:fixed;bottom:26px;right:26px;z-index:999;width:46px;height:46px;background:linear-gradient(135deg,var(--teal),var(--teal-d));color:#fff;border:none;border-radius:50%;font-size:1.1rem;cursor:pointer;opacity:0;pointer-events:none;transition:all .3s;box-shadow:var(--shadow-t)}
.btt.vis{opacity:1;pointer-events:auto}
.btt:hover{transform:translateY(-3px)}

/* ── REVEAL ── */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .6s ease,transform .6s ease}
.reveal.visible{opacity:1;transform:translateY(0)}
.rd1{transition-delay:.1s}.rd2{transition-delay:.2s}.rd3{transition-delay:.3s}

/* ── SIMULATOR ── */
.sim-card{background:#fff;border:1px solid var(--card-bd);border-radius:var(--r-xl);padding:36px;box-shadow:var(--shadow)}
.sim-card h3{font-family:'Roboto Slab',serif;font-size:1.3rem;color:var(--text);margin-bottom:6px}
.sim-result{background:linear-gradient(135deg,var(--teal-faint),rgba(0,180,216,.04));border:1px solid var(--card-bd);border-radius:var(--r-md);padding:20px;margin-top:20px;display:none}
.sim-result .sr-num{font-family:'Roboto Slab',serif;font-size:2rem;color:var(--teal);font-weight:900}

/* ── RESPONSIVE ── */
@media(max-width:1100px){
  .services-grid{grid-template-columns:repeat(2,1fr)}
  .stats-row{grid-template-columns:repeat(2,1fr)}
  .stats-row .stat-item:nth-child(2){border-right:none}
  .hero-inner{grid-template-columns:1fr;gap:48px;text-align:center}
  .hero-visual{max-width:520px;margin:0 auto}
  .ft-inner{grid-template-columns:1fr 1fr}
  .process-grid::before{display:none}
}
@media(max-width:900px){
  .feat-block{grid-template-columns:1fr}
  .articles-grid{grid-template-columns:1fr 1fr}
  .csl{grid-template-columns:1fr}
  .rev-grid{grid-template-columns:1fr 1fr}
  .cta-banner{grid-template-columns:1fr;text-align:center}
  .cta-btns{justify-content:center}
  .process-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:768px){
  .main-nav{display:none}
  .burger{display:flex}
  .articles-grid{grid-template-columns:1fr}
  .services-grid{grid-template-columns:1fr 1fr}
  .rev-grid{grid-template-columns:1fr}
  .frow{grid-template-columns:1fr}
  .nl-form{flex-direction:column}
  .ft-inner{grid-template-columns:1fr 1fr;gap:28px}
  .legal-toc ol{grid-template-columns:1fr}
  .nl-box{padding:36px 22px}
  .cta-banner{padding:36px 28px}
}
@media(max-width:480px){
  .ft-inner{grid-template-columns:1fr}
  .services-grid{grid-template-columns:1fr}
  .stats-row{grid-template-columns:1fr 1fr}
}