/* ============================================================
   FESTGELDWAHL — Coolblue Theme
   ============================================================ */

:root {
  /* Ruby (burgundy/wine) primary */
  --green-deep:   #003A5D;
  --green-darker: #005A8C;
  --green-dark:   #0077BD;
  --green:        #0090E3;
  --green-2:      #2BA5EC;
  --green-3:      #66C0F4;
  --green-soft:   #B3DEF7;
  --green-100:    #DCEFFB;
  --green-50:     #EFF8FE;
  --green-25:     #F7FBFF;

  /* Cream / beige accent */
  --cream:       #E6EEF5;
  --cream-2:     #D4E2EF;
  --cream-dark:  #B9CEDF;
  --cream-soft:  #F4F8FB;
  --cream-50:    #F7FAFC;
  --cream-25:    #FBFDFE;

  /* Neutrals */
  --off-white:   #FAFBFB;
  --white:       #FFFFFF;
  --bg:          #FAFBFB;

  /* Text */
  --ink:         #003A5D;
  --ink-soft:    #005A8C;
  --text:        #475569;
  --text-soft:   #64748B;
  --muted:       #94A3B8;
  --muted-2:     #CBD5E1;

  /* Lines */
  --line:        #DCE6EF;
  --line-2:      #C5D4E2;

  /* Status */
  --success:     #059669;
  --error:       #66C0F4;
  --error-soft:  #FEE2E2;

  /* Type */
  --display: "Plus Jakarta Sans", "Inter", -apple-system, sans-serif;
  --body:    "Plus Jakarta Sans", "Inter", -apple-system, sans-serif;

  /* Radius */
  --r-xs: 6px;
  --r-sm: 10px;
  --r-md: 14px;
  --r-lg: 18px;
  --r-xl: 24px;
  --r-pill: 999px;

  /* Shadows */
  --shadow-xs: 0 1px 3px rgba(0,58,93,0.05);
  --shadow-sm: 0 4px 14px rgba(0,58,93,0.06);
  --shadow:    0 10px 30px rgba(0,58,93,0.10);
  --shadow-md: 0 20px 50px rgba(0,58,93,0.14);
  --shadow-lg: 0 30px 70px rgba(0,58,93,0.20);
  --shadow-green: 0 14px 36px rgba(0,144,227,0.32);

  /* Gradients */
  --grad-primary: linear-gradient(135deg, #0077BD 0%, #0090E3 100%);
  --grad-deep:    linear-gradient(135deg, #003A5D 0%, #0077BD 100%);
  --grad-card-border: linear-gradient(135deg, #0077BD 0%, #0090E3 50%, #2BA5EC 100%);
}

/* ============ BASE ============ */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--body);
  font-weight: 400;
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--off-white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
::selection { background: var(--green); color: var(--white); }
h1, h2, h3, h4, h5, h6 {
  margin: 0;
  font-family: var(--display);
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -0.02em;
  color: var(--ink);
}
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
img { display: block; max-width: 100%; height: auto; }
.container { width: 100%; max-width: 1280px; margin: 0 auto; padding: 0 28px; }
.container-narrow { width: 100%; max-width: 920px; margin: 0 auto; padding: 0 28px; }

/* ============ TOPBAR ============ */
.topbar {
  background: var(--green-deep);
  color: rgba(255,255,255,0.75);
  padding: 11px 0;
  font-size: 13px;
}
.topbar-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 14px;
}
.topbar-left { display: flex; align-items: center; gap: 22px; flex-wrap: wrap; }
.topbar-left a, .topbar-left span { color: rgba(255,255,255,0.75); }
.topbar-left a:hover { color: var(--cream); }
.topbar-right { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }
.topbar-right .lbl { color: rgba(255,255,255,0.5); font-size: 12px; letter-spacing: 0.04em; }
.social-icons { display: flex; gap: 6px; align-items: center; }
.social-icons a {
  width: 28px; height: 28px;
  display: grid; place-items: center;
  color: rgba(255,255,255,0.75);
  border-radius: 50%;
  transition: all .2s;
}
.social-icons a:hover { color: var(--cream); background: rgba(255,255,255,0.08); }
.social-icons svg { width: 14px; height: 14px; }
.social-icons .dot { color: var(--cream-dark); padding: 0 4px; }

/* ============ RATE MARQUEE (home only) ============ */
.rate-marquee {
  background: var(--ink);
  color: var(--white);
  overflow: hidden;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  position: relative;
}
.rate-marquee::before, .rate-marquee::after {
  content: "";
  position: absolute;
  top: 0; bottom: 0;
  width: 80px;
  z-index: 2;
  pointer-events: none;
}
.rate-marquee::before { left: 0; background: linear-gradient(90deg, var(--ink), transparent); }
.rate-marquee::after  { right: 0; background: linear-gradient(-90deg, var(--ink), transparent); }
.rate-marquee-track {
  display: flex;
  gap: 48px;
  white-space: nowrap;
  animation: marquee 40s linear infinite;
  width: max-content;
}
.rate-marquee:hover .rate-marquee-track { animation-play-state: paused; }
@keyframes marquee {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
.rate-item {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,0.78);
}
.rt-bullet {
  width: 6px; height: 6px;
  background: var(--green-3);
  border-radius: 50%;
  animation: pulse 1.8s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.4; transform: scale(1.4); }
}
.rt-flag { font-size: 16px; }
.rt-name { color: rgba(255,255,255,0.95); font-weight: 700; }
.rt-val { color: var(--cream); font-weight: 800; font-size: 14px; }
.rt-sep { color: rgba(255,255,255,0.18); margin: 0 4px; }

/* ============ TOP HEADER ============ */
.top-header {
  background: var(--white);
  padding: 22px 0;
  border-bottom: 1px solid var(--line);
}
.top-header-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  flex-wrap: wrap;
}
.logo { display: flex; align-items: center; flex-shrink: 0; }
.logo img { height: 52px; width: auto; }
.th-slogan {
  display: flex;
  align-items: center;
  gap: 18px;
  padding-left: 28px;
  border-left: 1px solid var(--line);
  flex: 1;
  min-width: 0;
}
.th-badge {
  width: 56px; height: 56px;
  flex-shrink: 0;
  background: var(--grad-primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  color: var(--cream);
  font-size: 10px;
  font-weight: 800;
  text-align: center;
  line-height: 1.1;
  box-shadow: var(--shadow-green);
}
.th-badge span { font-size: 8.5px; color: var(--cream-soft); }
.th-slogan-text {
  font-size: 14.5px;
  color: var(--ink);
  font-weight: 600;
  line-height: 1.4;
  max-width: 380px;
}
.th-right {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-shrink: 0;
}
.th-question {
  display: flex;
  align-items: center;
  gap: 10px;
  padding-right: 18px;
  border-right: 1px solid var(--line);
}
.th-q-icon {
  width: 44px; height: 44px;
  background: var(--cream-soft);
  border-radius: 50%;
  display: grid; place-items: center;
  color: var(--green);
  flex-shrink: 0;
}
.th-q-icon svg { width: 20px; height: 20px; }
.th-q-text { font-size: 11px; color: var(--text-soft); font-weight: 600; line-height: 1.3; }
.th-q-text strong { display: block; font-size: 15px; color: var(--ink); font-weight: 800; }
.th-cta {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: var(--grad-primary);
  color: var(--white);
  padding: 14px 26px;
  border-radius: var(--r-pill);
  font-size: 14px;
  font-weight: 700;
  transition: all .25s ease;
  box-shadow: var(--shadow-green);
  white-space: nowrap;
}
.th-cta:hover { transform: translateY(-2px); box-shadow: 0 20px 40px rgba(0,144,227,0.40); }
.th-cta svg { width: 14px; height: 14px; transition: transform .3s; }
.th-cta:hover svg { transform: translateX(3px); }

/* ============ NAV ============ */
header.nav-header {
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid var(--line);
  transition: box-shadow .25s;
}
header.nav-header.scrolled { box-shadow: var(--shadow-sm); }
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 64px;
}
.nav-links { display: flex; gap: 2px; }
.nav-links a {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 20px 16px;
  font-size: 14px;
  font-weight: 700;
  color: var(--ink);
  position: relative;
  transition: color .2s;
}
.nav-links a::before {
  content: "";
  position: absolute;
  bottom: -1px; left: 50%;
  transform: translateX(-50%);
  width: 0; height: 3px;
  background: var(--green);
  border-radius: 3px;
  transition: width .25s ease;
}
.nav-links a:hover, .nav-links a.active { color: var(--green); }
.nav-links a.active::before { width: 60%; }
.nav-links a svg { width: 14px; height: 14px; }
.nav-right { display: flex; align-items: center; gap: 14px; }
.nav-search, .nav-global {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--ink);
  padding: 8px 12px;
  border-radius: var(--r-pill);
}
.nav-search:hover { background: var(--cream-soft); color: var(--green); }
.nav-search svg { width: 15px; height: 15px; }
.nav-global { border-left: 1px solid var(--line); padding-left: 14px; }
.nav-global .glb {
  width: 22px; height: 22px;
  background: var(--cream-soft);
  border-radius: 50%;
  display: grid; place-items: center;
  color: var(--green);
}
.nav-global .glb svg { width: 12px; height: 12px; }
.nav-global .lbl { color: var(--text-soft); font-weight: 500; }
/* ============ HERO SLIDER ============ */
.hero {
  position: relative;
  background: var(--off-white);
  padding: 70px 0 60px;
  overflow: hidden;
}
.hero-bg-decor {
  position: absolute;
  top: 0; right: 0;
  width: 50%; height: 100%;
  background: var(--cream-soft);
  border-radius: 0 0 0 60px;
  z-index: 0;
}
.hero-slider { position: relative; z-index: 2; }
.hero-slide {
  display: none;
  grid-template-columns: 1.05fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero-slide.active { display: grid; animation: fadeUp .5s ease; }
@keyframes fadeUp { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: translateY(0); } }
.hero-content { color: var(--ink); }
.hero-trust-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  color: var(--green);
  padding: 8px 16px;
  border-radius: var(--r-pill);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 22px;
  border: 1px solid var(--line);
  box-shadow: var(--shadow-xs);
}
.hero-trust-tag svg { width: 14px; height: 14px; }
.hero h1 {
  font-size: clamp(34px, 5vw, 56px);
  font-weight: 800;
  line-height: 1.06;
  letter-spacing: -0.035em;
  margin-bottom: 22px;
}
.hero h1 .accent { color: var(--green); }
.hero-lede {
  font-size: 17px;
  color: var(--text);
  max-width: 520px;
  margin: 0 0 32px;
  line-height: 1.65;
}
.hero-ctas { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-cta-primary {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--grad-primary);
  color: var(--white);
  padding: 15px 30px;
  border-radius: var(--r-pill);
  font-size: 14.5px;
  font-weight: 700;
  transition: all .25s ease;
  box-shadow: var(--shadow-green);
}
.hero-cta-primary:hover { transform: translateY(-2px); box-shadow: 0 20px 40px rgba(0,144,227,0.40); }
.hero-cta-primary svg { width: 15px; height: 15px; transition: transform .3s; }
.hero-cta-primary:hover svg { transform: translateX(3px); }
.hero-cta-secondary {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: transparent;
  color: var(--ink);
  padding: 15px 24px;
  border-radius: var(--r-pill);
  font-size: 14.5px;
  font-weight: 700;
  border: 1.5px solid var(--line-2);
  transition: all .2s;
}
.hero-cta-secondary:hover { background: var(--white); border-color: var(--ink); }
.hero-cta-secondary svg { width: 14px; height: 14px; color: var(--green); }
.hero-visual {
  position: relative;
  width: 100%;
  aspect-ratio: 5/4;
  border-radius: var(--r-xl);
  overflow: hidden;
  background: var(--grad-primary);
  box-shadow: var(--shadow-lg);
}
.hero-visual svg { width: 100%; height: 100%; display: block; }
.hero-visual-badge {
  position: absolute;
  bottom: 20px; left: 20px;
  background: var(--white);
  padding: 14px 20px;
  border-radius: var(--r-md);
  box-shadow: var(--shadow);
  display: flex;
  align-items: center;
  gap: 12px;
  max-width: 280px;
}
.hero-visual-badge .b-ico {
  width: 38px; height: 38px;
  background: var(--cream-soft);
  border-radius: 50%;
  display: grid; place-items: center;
  color: var(--green);
  flex-shrink: 0;
}
.hero-visual-badge .b-ico svg { width: 20px; height: 20px; }
.hero-visual-badge .b-text { font-size: 12px; color: var(--text); line-height: 1.35; }
.hero-visual-badge .b-text strong { display: block; font-size: 13.5px; color: var(--ink); font-weight: 800; }

.hero-controls {
  position: relative;
  z-index: 3;
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 40px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
}
.hero-dots { display: flex; gap: 8px; }
.hero-dots button {
  width: 32px; height: 4px;
  background: var(--line-2);
  border-radius: 4px;
  cursor: pointer;
  transition: all .3s;
  padding: 0;
}
.hero-dots button.active { background: var(--green); width: 48px; }
.hero-arrows { display: flex; gap: 10px; }
.hero-arrow {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--white);
  border: 1.5px solid var(--line);
  display: grid; place-items: center;
  cursor: pointer;
  transition: all .25s;
  color: var(--ink);
}
.hero-arrow:hover { background: var(--green); color: var(--white); border-color: var(--green); transform: translateY(-2px); }
.hero-arrow svg { width: 16px; height: 16px; }

.hero-stats-row {
  position: relative;
  z-index: 3;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 32px;
  background: var(--white);
  border-radius: var(--r-lg);
  border: 1px solid var(--line);
  padding: 22px 0;
  box-shadow: var(--shadow-sm);
}
.hero-stat {
  text-align: center;
  padding: 0 20px;
  border-right: 1px solid var(--line);
}
.hero-stat:last-child { border-right: none; }
.hero-stat .num {
  font-size: 28px;
  font-weight: 800;
  color: var(--green);
  letter-spacing: -0.03em;
  line-height: 1;
  margin-bottom: 6px;
}
.hero-stat .lbl { font-size: 12.5px; color: var(--text-soft); font-weight: 600; }

/* ============ SECTIONS ============ */
.section { padding: 90px 0; }
.section-head {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 56px;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 18px;
}
.eyebrow::before {
  content: "";
  width: 12px; height: 12px;
  background: var(--cream-dark);
  transform: rotate(45deg);
  display: inline-block;
}
.section-head h2 {
  font-size: clamp(30px, 4.5vw, 44px);
  line-height: 1.12;
  margin-bottom: 16px;
  letter-spacing: -0.03em;
}
.section-head p {
  font-size: 16.5px;
  color: var(--text);
  max-width: 540px;
  margin: 0 auto;
}

/* ============ BANKS HORIZONTAL LIST ============ */
.banks-section { padding: 90px 0; background: var(--bg); }
/* ============ ABOUT ============ */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 70px;
  align-items: center;
}
.about-circle {
  position: relative;
  width: 100%;
  max-width: 440px;
  aspect-ratio: 1;
  margin: 0 auto;
}
.about-circle-rotator {
  position: absolute;
  inset: 0;
  animation: rotate 30s linear infinite;
}
@keyframes rotate { from { transform: rotate(0deg); } to { transform: rotate(360deg); } }
.about-circle-text { width: 100%; height: 100%; }
.about-photo {
  position: absolute;
  inset: 12%;
  border-radius: 50%;
  overflow: hidden;
  background: var(--grad-deep);
  display: grid;
  place-items: center;
}
.about-years { text-align: center; z-index: 2; position: relative; }
.about-years .num {
  font-size: 78px;
  font-weight: 800;
  line-height: 0.9;
  letter-spacing: -0.04em;
  color: var(--cream);
}
.about-years .lbl {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.85);
  margin-top: 8px;
}
.about-right h2 {
  font-size: clamp(28px, 4vw, 40px);
  line-height: 1.12;
  margin-bottom: 22px;
  letter-spacing: -0.03em;
}
.about-bullets { list-style: none; padding: 0; margin: 0 0 28px; }
.about-bullets li {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 9px 0;
  font-size: 15.5px;
  color: var(--ink);
  font-weight: 600;
}
.about-bullets .bullet {
  width: 26px; height: 26px;
  background: var(--grad-primary);
  border-radius: 50%;
  display: grid; place-items: center;
  color: var(--white);
  flex-shrink: 0;
  box-shadow: 0 3px 10px rgba(0,144,227,0.30);
}
.about-bullets .bullet svg { width: 13px; height: 13px; }
.about-right .desc { font-size: 16px; color: var(--text); line-height: 1.7; margin-bottom: 22px; }
.btn-green {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: var(--grad-primary);
  color: var(--white);
  padding: 14px 28px;
  border-radius: var(--r-pill);
  font-size: 14px;
  font-weight: 700;
  transition: all .25s ease;
  box-shadow: var(--shadow-green);
}
.btn-green:hover { transform: translateY(-2px); box-shadow: 0 20px 40px rgba(0,144,227,0.40); }
.btn-green svg { width: 14px; height: 14px; transition: transform .3s; }
.btn-green:hover svg { transform: translateX(3px); }

/* ============ STAT CARDS ============ */
.stat-cards-row {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 24px;
  margin-top: 60px;
}
.stat-card { border-radius: var(--r-xl); padding: 36px 32px; position: relative; }
.stat-card.green { background: var(--grad-primary); color: var(--white); box-shadow: var(--shadow-green); }
.stat-card.cream { background: var(--cream); border: 1px solid var(--cream-dark); }
.stat-card-ico {
  width: 50px; height: 50px;
  background: rgba(255,255,255,0.15);
  border-radius: var(--r-md);
  display: grid; place-items: center;
  color: var(--white);
  margin-bottom: 18px;
}
.stat-card.cream .stat-card-ico { background: var(--white); color: var(--green); }
.stat-card-ico svg { width: 24px; height: 24px; }
.stat-card .num {
  font-size: 38px;
  font-weight: 800;
  line-height: 1;
  letter-spacing: -0.03em;
  margin-bottom: 8px;
  color: var(--white);
}
.stat-card .num .unit { font-size: 18px; opacity: 0.85; margin-left: 6px; }
.stat-card .lbl { font-size: 14px; opacity: 0.85; font-weight: 500; }
.stat-card.cream .num { color: var(--ink); }
.stat-card.cream .lbl { color: var(--text); }
.stat-card-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 16px;
  color: var(--white);
  font-size: 13px;
  font-weight: 700;
  font-family: inherit;
  padding: 0;
  background: none;
  border: none;
  cursor: pointer;
}
.stat-card-cta:hover { gap: 12px; }
.stat-card-cta svg { width: 12px; height: 12px; }
.stat-card.cream .stat-card-cta { color: var(--green); }

/* ============ FEATURES ============ */
.features-section { padding: 90px 0; background: var(--cream-soft); }
.features-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.feature {
  background: var(--white);
  border-radius: var(--r-lg);
  padding: 32px 26px;
  border: 1px solid var(--line);
  transition: all .3s ease;
  display: flex;
  gap: 18px;
  align-items: flex-start;
}
.feature:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: transparent; }
.feature-ico {
  width: 50px; height: 50px;
  background: var(--grad-primary);
  border-radius: var(--r-md);
  display: grid; place-items: center;
  color: var(--white);
  flex-shrink: 0;
  position: relative;
  box-shadow: var(--shadow-green);
}
.feature-ico::before {
  content: "";
  position: absolute;
  top: -4px; right: -4px;
  width: 11px; height: 11px;
  background: var(--cream-dark);
  border-radius: 50%;
}
.feature-ico svg { width: 24px; height: 24px; }
.feature h3 { font-size: 17px; margin-bottom: 8px; letter-spacing: -0.015em; line-height: 1.25; }
.feature p { font-size: 14px; color: var(--text); line-height: 1.6; margin: 0; }

/* ============ PROCESS ============ */
.process-section { padding: 90px 0; background: var(--white); position: relative; overflow: hidden; }
.process-section::before {
  content: "";
  position: absolute;
  top: 55%; left: 12%; right: 12%;
  height: 2px;
  background-image: linear-gradient(90deg, var(--cream-dark) 50%, transparent 50%);
  background-size: 10px 2px;
  background-repeat: repeat-x;
  z-index: 0;
}
.process-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 32px; position: relative; z-index: 1; }
.process-step { position: relative; }
.process-img {
  position: relative;
  width: 100%;
  aspect-ratio: 5/4;
  border-radius: var(--r-lg);
  overflow: hidden;
  margin-bottom: 22px;
}
.process-img-svg { width: 100%; height: 100%; display: block; }
.process-icon-badge {
  position: absolute;
  top: -16px; left: -16px;
  width: 56px; height: 56px;
  background: var(--grad-primary);
  border-radius: 50%;
  display: grid; place-items: center;
  color: var(--cream);
  border: 5px solid var(--white);
  box-shadow: var(--shadow-green);
  z-index: 2;
}
.process-icon-badge svg { width: 20px; height: 20px; }
.process-step h4 { font-size: 20px; margin-bottom: 10px; letter-spacing: -0.02em; }
.process-step p { font-size: 14px; color: var(--text); line-height: 1.6; margin: 0 0 20px; }
.process-step .step-number {
  display: flex;
  align-items: baseline;
  gap: 10px;
  padding-bottom: 4px;
  border-bottom: 2px solid var(--line);
  max-width: 180px;
}
.step-number .num {
  font-size: 48px;
  font-weight: 800;
  letter-spacing: -0.04em;
  color: var(--cream-dark);
  line-height: 0.85;
}
.step-number .lbl { font-size: 13px; color: var(--ink); font-weight: 700; }

/* ============ REVIEWS ============ */
.reviews-section { padding: 90px 0; background: var(--cream-50); }
.reviews-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.review-card {
  background: var(--white);
  border-radius: var(--r-lg);
  padding: 28px 26px;
  border: 1px solid var(--line);
  transition: all .3s ease;
  position: relative;
}
.review-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: transparent; }
.rv-stars { color: var(--cream-dark); letter-spacing: 2px; font-size: 15px; margin-bottom: 14px; }
.rv-quote { font-size: 14.5px; color: var(--text); line-height: 1.65; margin: 0 0 20px; font-weight: 500; }
.rv-author { display: flex; align-items: center; gap: 12px; padding-top: 16px; border-top: 1px solid var(--line); }
.rv-avatar {
  width: 42px; height: 42px;
  background: var(--grad-primary);
  color: var(--cream);
  border-radius: 50%;
  display: grid; place-items: center;
  font-weight: 800;
  font-size: 14px;
  flex-shrink: 0;
}
.rv-info .name { font-weight: 800; font-size: 14px; color: var(--ink); }
.rv-info .role { font-size: 12px; color: var(--text-soft); margin-top: 2px; font-weight: 500; }

/* ============ BLOG ============ */
.blog-section { padding: 90px 0; background: var(--white); }
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 26px;
}
.blog-card {
  background: var(--white);
  border-radius: 20px;
  overflow: hidden;
  border: 1.5px solid var(--line);
  transition: all .35s cubic-bezier(0.16, 1, 0.3, 1);
  display: flex;
  flex-direction: column;
  min-width: 0;
  position: relative;
}
.blog-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 24px 50px rgba(0,58,93,0.12);
  border-color: var(--green);
}
.blog-thumb {
  width: 100%;
  height: 210px;
  position: relative;
  overflow: hidden;
  background: var(--green-25);
  flex-shrink: 0;
}
.blog-thumb svg {
  width: 100%;
  height: 100%;
  display: block;
  transition: transform .6s ease;
}
.blog-card:hover .blog-thumb svg { transform: scale(1.08); }
.blog-tag {
  position: absolute;
  top: 16px; left: 16px;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(6px);
  color: var(--green-dark);
  padding: 6px 13px;
  border-radius: 999px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  z-index: 2;
  box-shadow: 0 4px 14px rgba(0,58,93,0.10);
}
.blog-body {
  padding: 24px 26px 26px;
  display: flex;
  flex-direction: column;
  flex: 1 1 auto;
  min-width: 0;
  width: 100%;
}
.blog-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 11.5px;
  color: var(--text-soft);
  margin: 0 0 12px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  width: 100%;
}
.blog-meta .dot { width: 3px; height: 3px; background: var(--green); border-radius: 50%; flex-shrink: 0; }
.blog-title {
  font-size: 18px;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin: 0 0 12px;
  line-height: 1.3;
  color: var(--ink);
  transition: color .25s;
  width: 100%;
  display: block;
}
.blog-card:hover .blog-title { color: var(--green-dark); }
.blog-excerpt {
  font-size: 14px;
  color: var(--text);
  line-height: 1.65;
  margin: 0 0 20px;
  flex: 1 1 auto;
  width: 100%;
  display: block;
}
.blog-link {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  font-weight: 800;
  color: var(--green-dark);
  align-self: flex-start;
  transition: gap .25s;
  margin: 0;
  padding: 8px 0;
  border-top: 1.5px solid var(--green-100);
  width: 100%;
  padding-top: 16px;
  letter-spacing: -0.005em;
}
.blog-link:hover { gap: 14px; color: var(--green); }
.blog-link::after {
  content: "";
  flex: 1;
}
.blog-link .arrow-circle {
  width: 32px; height: 32px;
  background: var(--green-25);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--green-dark);
  transition: all .3s ease;
  flex-shrink: 0;
}
.blog-link:hover .arrow-circle {
  background: var(--green-dark);
  color: var(--white);
  transform: rotate(-12deg);
}
.blog-link .arrow-circle svg { width: 13px; height: 13px; }

/* ============ FAQ ============ */
.faq-section { padding: 90px 0; background: var(--bg); }
.faq-list { max-width: 820px; margin: 0 auto; }
details {
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--r-md);
  margin-bottom: 10px;
  transition: all .25s;
}
details[open] { border-color: var(--green); box-shadow: var(--shadow-sm); }
summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 22px;
  cursor: pointer;
  list-style: none;
  font-size: 15.5px;
  font-weight: 700;
  color: var(--ink);
  gap: 14px;
}
summary::-webkit-details-marker { display: none; }
summary .faq-num { font-size: 12px; color: var(--green); font-weight: 800; flex-shrink: 0; }
details[open] summary { color: var(--green); }
summary .plus {
  width: 30px; height: 30px;
  border-radius: 50%;
  background: var(--cream-soft);
  display: grid; place-items: center;
  color: var(--green);
  font-size: 17px;
  transition: all .3s;
  margin-left: auto;
}
details[open] summary .plus { background: var(--grad-primary); color: var(--white); transform: rotate(45deg); }
details > div { padding: 0 22px 20px; color: var(--text); font-size: 14.5px; line-height: 1.7; }
details > div p { margin: 0 0 8px; }
details > div strong { color: var(--green); font-weight: 700; }

/* ============ CTA ============ */
.cta-section { padding: 80px 0; background: var(--white); }
.cta-card {
  background: linear-gradient(135deg, #003A5D 0%, #0077BD 100%);
  border-radius: var(--r-xl);
  padding: 60px 50px;
  color: var(--white);
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.4fr auto;
  align-items: center;
  gap: 36px;
}
.cta-card::before {
  content: "";
  position: absolute;
  top: -150px; right: -80px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(242,233,208,0.20), transparent 65%);
}
.cta-card > * { position: relative; z-index: 1; }
.cta-card .eyebrow { color: var(--cream); }
.cta-card .eyebrow::before { background: var(--cream-dark); }
.cta-card h2 {
  font-size: clamp(28px, 4vw, 42px);
  color: var(--white);
  letter-spacing: -0.03em;
  line-height: 1.1;
  margin-bottom: 14px;
}
.cta-card p { font-size: 16px; color: rgba(255,255,255,0.82); margin: 0; max-width: 500px; }
.btn-cream {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--cream);
  color: var(--green-deep);
  padding: 16px 32px;
  border-radius: var(--r-pill);
  font-size: 14.5px;
  font-weight: 800;
  border: none;
  transition: all .25s ease;
  white-space: nowrap;
}
.btn-cream:hover { transform: translateY(-2px); background: var(--white); box-shadow: 0 20px 40px rgba(242,233,208,0.40); }
.btn-cream svg { width: 14px; height: 14px; transition: transform .3s; }
.btn-cream:hover svg { transform: translateX(3px); }

/* ============ COMPLIANCE BAR ============ */
.compliance-bar {
  background: var(--cream-soft);
  border-top: 3px solid var(--cream-dark);
  padding: 28px 0 26px;
  font-size: 13px;
  line-height: 1.6;
  color: var(--ink-soft);
}
.compliance-bar .row {
  display: grid;
  grid-template-columns: 56px 1fr auto;
  gap: 20px;
  align-items: center;
}
.compliance-bar .ico {
  width: 50px; height: 50px;
  background: var(--white);
  border: 2px solid var(--green);
  border-radius: 50%;
  display: grid; place-items: center;
  color: var(--green);
  flex-shrink: 0;
}
.compliance-bar .ico svg { width: 24px; height: 24px; }
.compliance-bar .title {
  font-size: 14px;
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -0.01em;
  margin-bottom: 4px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.compliance-bar .title::before { content: "⚠"; color: var(--green); font-size: 15px; }
.compliance-bar p { margin: 0; color: var(--text); font-size: 13px; line-height: 1.55; }
.compliance-bar a { color: var(--green); text-decoration: underline; font-weight: 700; }
.compliance-bar .links { display: flex; gap: 8px; flex-shrink: 0; flex-wrap: wrap; }
.compliance-bar .links a {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--white);
  color: var(--green);
  padding: 8px 14px;
  border-radius: var(--r-pill);
  font-size: 12px;
  font-weight: 700;
  text-decoration: none;
  border: 1.5px solid var(--cream-dark);
  transition: all .25s;
}
.compliance-bar .links a:hover { background: var(--green); color: var(--white); border-color: var(--green); }

/* ============ FOOTER ============ */
footer {
  background: var(--green-deep);
  color: rgba(255,255,255,0.65);
  padding: 70px 0 24px;
}
.footer-row {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-brand img { height: 50px; }
.footer-brand p { font-size: 14px; line-height: 1.7; color: rgba(255,255,255,0.55); margin: 20px 0 22px; max-width: 340px; }
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 38px; height: 38px;
  background: rgba(255,255,255,0.06);
  border-radius: var(--r-md);
  display: grid; place-items: center;
  color: rgba(255,255,255,0.65);
  transition: all .3s;
}
.footer-social a:hover { background: var(--green-2); color: var(--white); transform: translateY(-2px); }
.footer-social svg { width: 16px; height: 16px; }
footer h4 { font-size: 14px; color: var(--white); margin-bottom: 18px; font-weight: 800; }
footer ul { list-style: none; padding: 0; margin: 0; }
footer li {
  margin-bottom: 10px;
  font-size: 13.5px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  line-height: 1.55;
}
footer li svg { width: 14px; height: 14px; color: var(--cream); flex-shrink: 0; margin-top: 3px; }
footer a { color: rgba(255,255,255,0.65); transition: color .2s; }
footer a:hover { color: var(--cream); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.10);
  padding-top: 22px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 12.5px;
  color: rgba(255,255,255,0.45);
}

/* ============ MODALS ============ */
.popup-modal, .bank-modal {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,58,93,0.78);
  z-index: 1100;
  padding: 20px;
  backdrop-filter: blur(8px);
  overflow-y: auto;
  align-items: flex-start;
  justify-content: center;
}
.popup-modal.show, .bank-modal.show { display: flex; animation: modalFade .3s ease; }
@keyframes modalFade { from { opacity: 0; } to { opacity: 1; } }
.popup-card, .bm-card {
  background: var(--white);
  max-width: 540px;
  width: 100%;
  border-radius: var(--r-xl);
  margin: auto;
  position: relative;
  box-shadow: var(--shadow-lg);
  animation: modalPop .4s ease;
  padding: 38px 36px 32px;
  overflow: hidden;
}
@keyframes modalPop { from { transform: translateY(20px) scale(0.96); opacity: 0; } to { transform: none; opacity: 1; } }
.popup-card::before, .bm-card::before {
  content: "";
  position: absolute;
  top: -3px; left: 30px; right: 30px;
  height: 6px;
  background: var(--grad-card-border);
  border-radius: var(--r-pill);
}
.popup-close, .bm-close {
  position: absolute;
  top: 14px; right: 14px;
  width: 36px; height: 36px;
  background: var(--cream-soft);
  border-radius: 50%;
  display: grid; place-items: center;
  cursor: pointer;
  color: var(--green);
  font-size: 22px;
  font-weight: 300;
  transition: all .3s;
  line-height: 1;
  z-index: 2;
}
.popup-close:hover, .bm-close:hover { background: var(--green); color: var(--white); transform: rotate(90deg); }
.popup-eyebrow, .bm-bank-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 5px 12px;
  background: var(--cream-soft);
  color: var(--green-dark);
  border-radius: var(--r-pill);
  font-size: 11px;
  font-weight: 800;
  margin-bottom: 12px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.popup-eyebrow::before { content: ""; width: 6px; height: 6px; background: var(--green); border-radius: 50%; }
.popup-card h3, .bm-card h3 { font-size: 23px; margin-bottom: 6px; letter-spacing: -0.02em; }
.popup-card .intro, .bm-card p.intro { font-size: 14px; color: var(--text); margin: 0 0 20px; line-height: 1.5; }

/* ============ FORMS ============ */
.field { margin-bottom: 14px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field label {
  display: block;
  font-size: 12px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 6px;
}
.field label .req { color: var(--green); }
.field input, .field select, .field textarea {
  width: 100%;
  padding: 12px 14px;
  font-size: 14px;
  font-family: inherit;
  background: var(--bg);
  border: 1.5px solid transparent;
  border-radius: var(--r-sm);
  color: var(--ink);
  transition: all .2s;
  font-weight: 500;
}
.field input::placeholder { color: var(--muted); font-weight: 400; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  background: var(--white);
  border-color: var(--green);
  box-shadow: 0 0 0 4px var(--green-100);
}
.check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 14px 0 20px;
  font-size: 12.5px;
  color: var(--text);
  line-height: 1.5;
}
.check input { margin-top: 2px; flex-shrink: 0; accent-color: var(--green); width: 16px; height: 16px; cursor: pointer; }
.check a { color: var(--green); text-decoration: underline; font-weight: 600; }
.btn-submit {
  width: 100%;
  background: var(--grad-primary);
  color: var(--white);
  padding: 15px 22px;
  border-radius: var(--r-pill);
  font-size: 14.5px;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  transition: all .25s ease;
  box-shadow: var(--shadow-green);
  border: none;
}
.btn-submit:hover { transform: translateY(-2px); box-shadow: 0 20px 40px rgba(0,144,227,0.40); }
.btn-submit:disabled { opacity: 0.55; cursor: not-allowed; transform: none; }
.btn-submit svg { width: 15px; height: 15px; transition: transform .3s; }
.btn-submit:hover svg { transform: translateX(3px); }
.form-foot {
  display: flex;
  justify-content: center;
  gap: 14px;
  margin-top: 12px;
  font-size: 11px;
  color: var(--text-soft);
  font-weight: 600;
  flex-wrap: wrap;
}
.form-foot span { display: inline-flex; align-items: center; gap: 5px; }
.form-foot svg { width: 12px; height: 12px; color: var(--green); }
.form-msg { margin-top: 10px; padding: 10px 14px; border-radius: var(--r-sm); font-size: 13px; display: none; font-weight: 500; }
.form-msg.show { display: block; }
.form-msg.error { background: var(--error-soft); color: var(--error); border-left: 3px solid var(--error); }

/* ============ COOKIE BANNER ============ */
.cookie-banner {
  display: none;
  position: fixed;
  bottom: 20px; left: 20px;
  z-index: 1050;
  max-width: 420px;
  background: var(--white);
  border-radius: var(--r-md);
  padding: 20px 22px;
  box-shadow: 0 30px 80px rgba(0,58,93,0.25);
  border: 1px solid var(--line);
}
.cookie-banner.show { display: block; animation: modalPop .5s ease; }
.cookie-banner::before {
  content: "";
  position: absolute;
  top: -3px; left: 24px; right: 24px;
  height: 4px;
  background: var(--grad-card-border);
  border-radius: var(--r-pill);
}
.cookie-banner .head { display: flex; align-items: center; gap: 11px; margin-bottom: 10px; }
.cookie-banner .ck-ico {
  width: 30px; height: 30px;
  background: var(--cream-soft);
  border-radius: 50%;
  display: grid; place-items: center;
  color: var(--green);
  flex-shrink: 0;
}
.cookie-banner .ck-ico svg { width: 16px; height: 16px; }
.cookie-banner h4 { font-size: 14px; color: var(--ink); margin: 0; }
.cookie-banner p { font-size: 12.5px; color: var(--text); margin: 0 0 14px; line-height: 1.55; }
.cookie-banner p a { color: var(--green); text-decoration: underline; font-weight: 600; }
.cookie-banner .actions { display: flex; gap: 8px; }
.ck-btn {
  flex: 1;
  padding: 10px 16px;
  border-radius: var(--r-pill);
  font-size: 12.5px;
  font-weight: 700;
  font-family: inherit;
  border: 1.5px solid;
  cursor: pointer;
  transition: all .2s;
}
.ck-accept { background: var(--grad-primary); color: var(--white); border-color: transparent; }
.ck-accept:hover { transform: translateY(-1px); box-shadow: var(--shadow-green); }
.ck-decline { background: var(--white); color: var(--text); border-color: var(--line-2); }
.ck-decline:hover { background: var(--off-white); color: var(--ink); border-color: var(--ink); }

/* ============ DANKE PAGE ============ */
body.page-danke {
  background: linear-gradient(180deg, var(--green-darker) 0%, var(--ink) 40%, var(--white) 100%);
}
body.page-danke .topbar { background: rgba(0,0,0,0.30); }
body.page-danke .nav-header { background: rgba(255,255,255,0.96); backdrop-filter: blur(10px); }
.danke-page { padding: 80px 0 100px; min-height: 60vh; }
.danke-wrap { max-width: 700px; margin: 0 auto; text-align: center; }
.danke-icon {
  width: 100px; height: 100px;
  margin: 0 auto 28px;
  background: var(--grad-primary);
  border-radius: 50%;
  display: grid; place-items: center;
  color: var(--white);
  position: relative;
  box-shadow: var(--shadow-green);
  animation: scaleIn .5s ease;
}
.danke-icon svg { width: 48px; height: 48px; }
@keyframes scaleIn { from { transform: scale(0); opacity: 0; } to { transform: none; opacity: 1; } }
.danke-page h1 { font-size: clamp(32px, 4.5vw, 48px); margin-bottom: 14px; line-height: 1.1; color: var(--white); }
.danke-page h1 .accent { color: var(--cream); }
.danke-wrap > p { font-size: 16px; color: rgba(255,255,255,0.85); max-width: 500px; margin: 0 auto 22px; line-height: 1.6; }
.danke-ref {
  display: inline-block;
  padding: 6px 14px;
  background: var(--cream);
  color: var(--green-dark);
  border-radius: var(--r-pill);
  font-size: 12.5px;
  font-weight: 700;
}
.danke-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 32px 36px;
  text-align: left;
  margin: 32px 0 28px;
  box-shadow: var(--shadow-sm);
  position: relative;
}
.danke-card::before {
  content: "";
  position: absolute;
  top: -3px; left: 24px; right: 24px;
  height: 5px;
  background: var(--grad-card-border);
  border-radius: var(--r-pill);
}
.danke-card h3 { font-size: 18px; text-align: center; margin-bottom: 20px; }
.danke-steps { list-style: none; margin: 0; padding: 0; }
.danke-steps li { display: flex; gap: 14px; align-items: flex-start; padding: 12px 0; font-size: 14px; color: var(--text); line-height: 1.55; }
.danke-steps li + li { border-top: 1px solid var(--line); }
.danke-steps .step-num {
  width: 32px; height: 32px;
  background: var(--grad-primary);
  color: var(--white);
  border-radius: var(--r-sm);
  display: grid; place-items: center;
  font-weight: 800;
  font-size: 13px;
  flex-shrink: 0;
}
.danke-steps strong { color: var(--ink); font-weight: 700; }
.danke-back {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--grad-primary);
  color: var(--white);
  padding: 14px 28px;
  border-radius: var(--r-pill);
  font-size: 14px;
  font-weight: 700;
  transition: all .25s ease;
  box-shadow: var(--shadow-green);
}
.danke-back:hover { transform: translateY(-2px); }
.danke-back svg { width: 14px; height: 14px; transition: transform .3s; }
.danke-back:hover svg { transform: translateX(-3px); }

/* ============ LEGAL PAGES (TOC layout) ============ */
body.page-legal { background: var(--cream-25); }
body.page-legal .topbar { background: var(--ink); }
body.page-legal .nav-header { border-bottom: 2px solid var(--green); }
.legal-hero {
  background: var(--ink);
  color: var(--white);
  padding: 70px 0 50px;
  margin-bottom: 50px;
  position: relative;
  overflow: hidden;
}
.legal-hero::before {
  content: "";
  position: absolute;
  top: 0; right: 0; bottom: 0;
  width: 40%;
  background: radial-gradient(circle at 70% 50%, rgba(155,27,48,0.25), transparent 60%);
}
.legal-hero .container { position: relative; z-index: 2; max-width: 1000px; }
.legal-hero h1 { color: var(--white); font-size: clamp(34px, 4.5vw, 50px); margin: 0; }
.legal-hero .lead {
  color: var(--cream);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  margin: 0 0 14px;
}
.legal-page { padding: 0 0 60px; background: transparent; }
.legal-grid {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 40px;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 28px;
}
.legal-toc {
  position: sticky;
  top: 90px;
  align-self: start;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 22px 18px;
  box-shadow: var(--shadow-sm);
}
.legal-toc h4 {
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--green);
  margin: 0 0 12px;
}
.legal-toc ul { list-style: none; padding: 0; margin: 0; }
.legal-toc li { margin-bottom: 6px; }
.legal-toc a {
  display: block;
  padding: 6px 10px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  border-radius: var(--r-xs);
  text-decoration: none;
  transition: all .2s;
  border-left: 2px solid transparent;
}
.legal-toc a:hover { color: var(--green); background: var(--green-50); border-left-color: var(--green); }
.legal-content {
  background: var(--white);
  border-radius: var(--r-lg);
  padding: 40px 48px;
  border: 1px solid var(--line);
  box-shadow: var(--shadow-sm);
}
.legal-content h2 {
  font-size: 20px;
  margin: 30px 0 12px;
  color: var(--green-dark);
  letter-spacing: -0.015em;
  display: flex;
  align-items: center;
  gap: 12px;
}
.legal-content h2:first-child { margin-top: 0; }
.legal-content h2::before {
  content: "";
  width: 5px; height: 22px;
  background: var(--green);
  border-radius: 3px;
}
.legal-content h3 { font-size: 16px; margin: 22px 0 10px; color: var(--green); }
.legal-content p, .legal-content li { font-size: 14.5px; color: var(--text); line-height: 1.75; }
.legal-content ul, .legal-content ol { padding-left: 22px; }
.legal-content a { color: var(--green); text-decoration: underline; font-weight: 600; }
.legal-content strong { color: var(--ink); font-weight: 700; }
.info-block {
  background: var(--cream-soft);
  border-left: 3px solid var(--green);
  border-radius: var(--r-sm);
  padding: 18px 22px;
  margin: 20px 0;
}
.info-block p { margin: 4px 0; }

/* ============ BLOG ARTICLE PAGE ============ */
body.page-blog { background: var(--white); }
body.page-blog .topbar { background: var(--green-darker); }
body.page-blog .nav-header { background: var(--cream-25); border-bottom: 1px solid var(--cream-dark); }
.reading-progress {
  position: fixed;
  top: 0; left: 0;
  height: 3px;
  background: var(--grad-primary);
  z-index: 1000;
  width: 0;
  transition: width .1s linear;
}
.article-page {
  padding: 40px 0 70px;
  background: linear-gradient(180deg, var(--cream-soft) 0%, var(--white) 300px);
}
.article-back {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  background: var(--white);
  color: var(--green);
  border-radius: var(--r-pill);
  font-size: 12.5px;
  font-weight: 700;
  margin-bottom: 32px;
  transition: all .25s;
  border: 1px solid var(--cream-dark);
}
.article-back:hover { background: var(--green); color: var(--white); border-color: var(--green); }
.article-back svg { width: 13px; height: 13px; transition: transform .3s; }
.article-back:hover svg { transform: translateX(-3px); }
.article-hero { max-width: 760px; margin: 0 auto 36px; text-align: center; }
.article-tag {
  display: inline-block;
  padding: 6px 14px;
  background: var(--cream);
  color: var(--green-dark);
  border-radius: var(--r-pill);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.article-hero h1 {
  font-size: clamp(30px, 4.5vw, 46px);
  margin-bottom: 18px;
  line-height: 1.1;
  letter-spacing: -0.03em;
  padding-bottom: 22px;
  border-bottom: 1px solid var(--cream-dark);
}
.article-meta {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  color: var(--text-soft);
  font-size: 12.5px;
  font-weight: 600;
}
.article-meta .dot { width: 4px; height: 4px; background: var(--muted-2); border-radius: 50%; }
.article-hero-thumb {
  max-width: 980px;
  margin: 0 auto 48px;
  height: clamp(220px, 36vw, 380px);
  border-radius: var(--r-xl);
  overflow: hidden;
}
.article-hero-thumb svg { width: 100%; height: 100%; }
.article-body {
  max-width: 700px;
  margin: 0 auto;
  font-size: 17px;
  line-height: 1.85;
  color: var(--text);
}
.article-body p:first-of-type::first-letter {
  font-size: 64px;
  font-weight: 800;
  color: var(--green);
  float: left;
  line-height: 0.85;
  margin: 6px 12px 0 0;
  font-family: Georgia, serif;
}
.article-body h2 {
  font-size: 26px;
  margin: 40px 0 14px;
  color: var(--green-dark);
  border-left: 4px solid var(--green);
  padding-left: 14px;
  line-height: 1.18;
}
.article-body h3 { font-size: 18px; margin: 28px 0 10px; color: var(--green); }
.article-body p { margin: 0 0 18px; }
.article-body strong { color: var(--ink); font-weight: 700; }
.article-body a { color: var(--green); text-decoration: underline; font-weight: 600; }
.article-body ul, .article-body ol { margin: 0 0 20px; padding-left: 22px; }
.article-body li { margin-bottom: 8px; }
.article-body ul li::marker { color: var(--green); }
.article-body blockquote {
  margin: 28px 0;
  padding: 22px 26px;
  background: var(--cream-soft);
  border-left: 4px solid var(--green);
  border-radius: var(--r-md);
  font-size: 16px;
  font-weight: 600;
  color: var(--ink);
  line-height: 1.55;
}
.article-cta {
  max-width: 700px;
  margin: 48px auto 0;
  background: var(--grad-primary);
  border-radius: var(--r-xl);
  padding: 36px 32px;
  color: var(--white);
  text-align: center;
}
.article-cta h3 { font-size: 22px; margin-bottom: 10px; color: var(--white); }
.article-cta p { font-size: 14.5px; color: rgba(255,255,255,0.85); margin: 0 auto 18px; max-width: 440px; }
.btn-on-dark {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: var(--cream);
  color: var(--green-deep);
  padding: 12px 26px;
  border-radius: var(--r-pill);
  font-size: 13.5px;
  font-weight: 800;
  transition: all .25s ease;
}
.btn-on-dark:hover { transform: translateY(-2px); background: var(--white); }
.btn-on-dark svg { width: 13px; height: 13px; transition: transform .3s; }
.btn-on-dark:hover svg { transform: translateX(3px); }
.related-section { background: var(--cream-soft); padding: 60px 0; }
.related-section h3 { font-size: 24px; margin-bottom: 28px; text-align: center; }

/* ============ REVEAL ============ */
.reveal { opacity: 0; transform: translateY(20px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ============================================================
   RESPONSIVE
   ============================================================ */

/* Tablet (1100px) — bank-row compact, hide rating */
@media (max-width: 1100px) {
  .bank-row { padding: 18px 20px; gap: 18px; }
  .br-rating { display: none; }
  .br-col.rate { min-width: 88px; }
  .br-col.rate .val { font-size: 22px; }
  .br-col.laufzeit { min-width: 100px; }
  .nav-links a { padding: 18px 12px; font-size: 13.5px; }
}

/* Tablet narrow (980px) — header restructure, hide some nav */
@media (max-width: 980px) {
  .top-header-row { flex-wrap: wrap; gap: 16px; }
  .th-slogan { display: none; }
  .th-right { width: 100%; justify-content: space-between; }
  .nav-search, .nav-global { display: none; }
  .hero-slide, .about-grid { grid-template-columns: 1fr; gap: 50px; }
  .hero { padding: 50px 0 50px; }
  .hero-bg-decor { width: 100%; height: 45%; bottom: 0; top: auto; border-radius: 60px 60px 0 0; }
  .stat-cards-row { grid-template-columns: 1fr; }
  .features-grid, .blog-grid, .reviews-grid, .process-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .process-section::before { display: none; }
  .cta-card { grid-template-columns: 1fr; text-align: center; padding: 48px 30px; gap: 24px; }
  .cta-card p { margin: 0 auto; }
  .legal-grid { grid-template-columns: 1fr; gap: 24px; }
  .legal-toc { position: static; }
  .footer-row { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 28px; }
  .footer-brand { grid-column: 1 / -1; }
}

/* Mobile (768px) — single column, vertical bank cards */
@media (max-width: 768px) {
  .container, .container-narrow { padding: 0 20px; }
  .section, .features-section, .banks-section, .process-section, .reviews-section, .blog-section, .faq-section, .cta-section { padding: 60px 0; }
  .nav-links { display: none; }
  .topbar-row { font-size: 11.5px; gap: 8px; }
  .topbar-right .lbl { display: none; }
  .top-header { padding: 14px 0; }
  .logo img { height: 42px; }
  .th-q-text { display: none; }
  .th-cta { padding: 12px 18px; font-size: 13px; }
  .th-cta svg { display: none; }

  /* Hero */
  .hero-content { text-align: center; }
  .hero h1 { font-size: clamp(26px, 7vw, 36px); }
  .hero-lede { font-size: 15px; margin: 0 auto 24px; }
  .hero-ctas { justify-content: center; }
  .hero-visual { aspect-ratio: 4/3; border-radius: var(--r-lg); }
  .hero-visual-badge { padding: 10px 12px; gap: 8px; max-width: 200px; bottom: 12px; left: 12px; }
  .hero-visual-badge .b-text { font-size: 11px; }
  .hero-visual-badge .b-text strong { font-size: 12px; }
  .hero-controls { padding-top: 20px; margin-top: 24px; }
  .hero-stats-row { grid-template-columns: 1fr; padding: 8px 0; }
  .hero-stat { padding: 12px 18px; border-right: none; border-bottom: 1px solid var(--line); }
  .hero-stat:last-child { border-bottom: none; }
  .hero-stat .num { font-size: 22px; }

  /* Section heads */
  .section-head { margin-bottom: 40px; }

  /* Bank rows — vertical card */
  .bank-row {
    flex-wrap: wrap;
    padding: 18px;
    gap: 14px;
  }
  .br-rank {
    width: auto;
    height: 32px;
    padding: 0 12px;
    border-radius: var(--r-xs);
    font-size: 13px;
    background: var(--cream);
    color: var(--green-dark);
  }
  .bank-row:first-child .br-rank { background: var(--grad-primary); color: var(--cream); }
  .br-rank .crown { position: static; margin-left: 4px; width: 16px; height: 16px; }
  .br-bank { flex: 1 1 100%; }
  .br-logo { width: 46px; height: 46px; }
  .br-name { font-size: 15px; }
  .br-col {
    flex: 1 1 100%;
    flex-direction: row;
    justify-content: space-between;
    align-items: baseline;
    padding: 10px 0;
    border-top: 1px solid var(--line);
  }
  .br-col .key { font-size: 11.5px; text-transform: none; letter-spacing: 0; color: var(--text); font-weight: 600; }
  .br-col .val { font-size: 15px; }
  .br-col.rate .val { font-size: 20px; }
  .br-col .sub { display: none; }
  .br-cta { width: 100%; padding: 12px 18px; font-size: 13.5px; }

  /* About */
  .about-circle { max-width: 280px; }
  .about-years .num { font-size: 60px; }

  /* Features */
  .features-grid { grid-template-columns: 1fr; }
  .feature { padding: 22px 20px; }

  /* Process */
  .process-grid { grid-template-columns: 1fr; gap: 28px; }
  .process-img { aspect-ratio: 16/9; }

  /* Reviews & blog */
  .reviews-grid, .blog-grid { grid-template-columns: 1fr; }
  .blog-thumb { height: 180px; }

  /* CTA */
  .cta-card { padding: 36px 22px; border-radius: var(--r-lg); }
  .btn-cream { width: 100%; justify-content: center; }

  /* FAQ */
  summary { padding: 16px 18px; font-size: 14px; gap: 10px; }
  summary .plus { width: 26px; height: 26px; font-size: 15px; }

  /* Footer */
  .footer-row { grid-template-columns: 1fr; gap: 28px; text-align: center; }
  .footer-brand { grid-column: 1; }
  .footer-brand p { margin: 18px auto 22px; }
  .footer-social { justify-content: center; }
  footer li { justify-content: center; }
  .footer-bottom { flex-direction: column; text-align: center; }

  /* Compliance */
  .compliance-bar .row { grid-template-columns: 1fr; text-align: center; gap: 12px; }
  .compliance-bar .ico { margin: 0 auto; }
  .compliance-bar .title { justify-content: center; }
  .compliance-bar .links { justify-content: center; }

  /* Marquee */
  .rate-marquee-track { gap: 32px; }
  .rate-item { font-size: 12px; }
  .rt-val { font-size: 13px; }

  /* Modals */
  .popup-card, .bm-card { padding: 28px 22px 24px; border-radius: var(--r-lg); }
  .popup-card h3, .bm-card h3 { font-size: 19px; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .form-row .field { margin-bottom: 12px; }

  /* Cookie banner */
  .cookie-banner { left: 12px; right: 12px; bottom: 12px; max-width: none; }

  /* Legal */
  .legal-hero { padding: 50px 0 36px; margin-bottom: 36px; }
  .legal-content { padding: 28px 22px; }
  .legal-content h2 { font-size: 18px; }

  /* Article */
  .article-body { font-size: 16px; }
  .article-body p:first-of-type::first-letter { font-size: 48px; }
  .article-body h2 { font-size: 22px; }
  .article-cta { padding: 28px 22px; }
}

/* Small phones (480px) */
@media (max-width: 480px) {
  .topbar-left a:nth-child(n+3) { display: none; }
  .th-question { display: none; }
  .th-right { justify-content: flex-end; }
  .hero-trust-tag { font-size: 11px; padding: 6px 12px; }
  .hero h1 { font-size: 24px; }
}
/* === Responsive — bank row === */
@media (max-width: 1100px) {
  .bank-row { grid-template-columns: minmax(0, 1fr) auto; gap: 20px; padding: 22px 22px; }
  .br-action { order: 2; }
  .br-metrics {
    grid-column: 1 / -1;
    order: 3;
    width: 100%;
    padding-top: 18px;
    margin-top: 18px;
    border-top: 1px dashed var(--line);
  }
  .br-chip { flex: 1; min-width: 0; }
  .br-rating { display: none; }
}
@media (max-width: 700px) {
  .bank-row {
    grid-template-columns: 1fr;
    gap: 16px;
    padding: 20px;
  }
  .br-identity { flex: 1; }
  .br-rank {
    width: auto; height: 28px;
    border-radius: 999px;
    padding: 0 12px;
    font-size: 11px;
  }
  .br-logo { width: 48px; height: 48px; }
  .br-name { font-size: 16px; }
  .br-metrics {
    grid-column: 1;
    order: 2;
    margin-top: 0;
    padding-top: 16px;
    gap: 8px;
  }
  .br-chip { padding: 10px 12px; min-width: 0; }
  .br-chip .value { font-size: 15px; }
  .br-chip.rate .value { font-size: 19px; }
  .br-chip .sub { display: none; }
  .br-action {
    order: 3;
    width: 100%;
    align-items: stretch;
  }
  .br-cta {
    width: 100%;
    padding: 13px 20px;
  }
}

/* ============ BULLETPROOF CARD OVERRIDES ============ */
/* Prevent content overflow in grid items */
.blog-card, .feature, .review-card, .process-step {
  min-width: 0;
  width: 100%;
}
.blog-card *, .feature *, .review-card *, .process-step * {
  min-width: 0;
}
.blog-title, .blog-excerpt, .blog-meta,
.feature h3, .feature p,
.review-card .rv-quote,
.process-step h4, .process-step p {
  display: block;
  width: 100%;
  max-width: 100%;
  box-sizing: border-box;
  word-wrap: break-word;
  overflow-wrap: break-word;
}
.blog-body, .review-card, .feature > div {
  min-width: 0;
}
/* Feature internal layout */
.feature > div {
  flex: 1 1 auto;
  width: auto;
}

/* ============================================================
   V2 REDESIGN — Screenshot-inspired sections
   ============================================================ */

/* --- TOPBAR V2 (compact) --- */
.topbar.topbar-v2 {
  background: var(--white);
  color: var(--text-soft);
  padding: 10px 0;
  border-bottom: 1px solid var(--green-50);
  font-size: 12.5px;
}
.topbar-v2 .topbar-left,
.topbar-v2 .topbar-right { gap: 16px; color: var(--text-soft); }
.topbar-v2 a { color: var(--text-soft); }
.topbar-v2 a:hover { color: var(--green-dark); }
.topbar-v2 .tb-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--green-dark);
  font-weight: 700;
}
.topbar-v2 .tb-tag svg { width: 14px; height: 14px; color: var(--green); }
.topbar-v2 .tb-divider { color: var(--muted-2); }

/* --- NAV V2 --- */
.nav-header.nav-v2 {
  background: var(--white);
  border-bottom: 1px solid var(--green-50);
}
.nav-clean { padding: 14px 0; min-height: 78px; gap: 32px; }
.nav-links-v2 { display: flex; gap: 4px; flex: 1; justify-content: center; }
.nav-links-v2 a {
  padding: 10px 16px;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
  border-radius: var(--r-pill);
  transition: all .2s ease;
}
.nav-links-v2 a:hover { background: var(--green-25); color: var(--green-dark); }
.nav-links-v2 a.active { background: var(--green-50); color: var(--green-dark); font-weight: 700; }
.nav-links-v2 a::before { display: none; }
.nav-cta-wrap { display: flex; align-items: center; gap: 10px; }
.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--grad-primary);
  color: var(--white);
  padding: 12px 22px;
  border-radius: var(--r-pill);
  font-size: 13.5px;
  font-weight: 700;
  cursor: pointer;
  border: none;
  font-family: inherit;
  transition: all .25s ease;
  box-shadow: 0 8px 22px rgba(0,144,227,0.28);
  white-space: nowrap;
}
.nav-cta:hover { transform: translateY(-2px); box-shadow: 0 14px 30px rgba(0,144,227,0.40); }
.nav-cta svg { width: 13px; height: 13px; transition: transform .3s; }
.nav-cta:hover svg { transform: translateX(3px); }

/* --- HERO V2 — split text + image --- */
.hero-v2 {
  background: var(--white);
  padding: 80px 0 90px;
  position: relative;
  overflow: hidden;
}
.hero-v2::before {
  content: "";
  position: absolute;
  top: 60px; right: -100px;
  width: 460px; height: 460px;
  background: radial-gradient(circle, var(--green-25), transparent 70%);
  border-radius: 50%;
  z-index: 0;
}
.hero-v2-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 70px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-v2-text { animation: fadeUp .8s ease; }
.hero-v2-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--green-25);
  color: var(--green-dark);
  padding: 8px 16px;
  border-radius: var(--r-pill);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.04em;
  margin-bottom: 24px;
  border: 1px solid var(--green-100);
}
.hero-v2-text h1 {
  font-size: clamp(36px, 5.5vw, 60px);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.04em;
  color: var(--ink);
  margin: 0 0 22px;
}
.hero-v2-text .accent-curve {
  color: var(--green-dark);
  font-style: italic;
  position: relative;
  display: inline-block;
}
.hero-v2-text .accent-curve::after {
  content: "";
  position: absolute;
  bottom: -8px; left: 0; right: 0;
  height: 8px;
  background: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 200 8'><path d='M2 5 Q50 -1 100 4 T198 4' stroke='%2310B981' stroke-width='3' fill='none' stroke-linecap='round'/></svg>") no-repeat center bottom;
  background-size: 100% 100%;
}
.hero-v2-lede {
  font-size: 17px;
  color: var(--text);
  line-height: 1.65;
  max-width: 480px;
  margin: 0 0 32px;
}
.hero-v2-lede strong { color: var(--ink); font-weight: 700; }
.hero-v2-cta-row { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; margin-bottom: 44px; }
.btn-mint-lg {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--grad-primary);
  color: var(--white);
  padding: 16px 32px;
  border-radius: var(--r-pill);
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  border: none;
  font-family: inherit;
  transition: all .25s ease;
  box-shadow: 0 14px 32px rgba(0,144,227,0.30);
}
.btn-mint-lg:hover { transform: translateY(-2px); box-shadow: 0 22px 50px rgba(0,144,227,0.45); }
.btn-mint-lg svg { width: 15px; height: 15px; transition: transform .3s; }
.btn-mint-lg:hover svg { transform: translateX(4px); }
.btn-link-lg {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--ink);
  font-size: 14.5px;
  font-weight: 700;
}
.btn-link-lg:hover .play-circle { background: var(--green); color: var(--white); transform: scale(1.1); }
.play-circle {
  width: 44px; height: 44px;
  background: var(--green-25);
  border: 2px solid var(--green-100);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--green-dark);
  transition: all .3s ease;
}
.play-circle svg { width: 13px; height: 13px; margin-left: 2px; }
.btn-ghost-lg {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--ink);
  font-size: 14.5px;
  font-weight: 700;
  padding: 16px 22px;
  border: 1.5px solid var(--green-100);
  border-radius: var(--r-pill);
  transition: all .25s;
}
.btn-ghost-lg:hover { border-color: var(--green); background: var(--green-25); color: var(--green-dark); }

.hero-v2-meta {
  display: flex;
  gap: 36px;
  padding-top: 32px;
  border-top: 1px solid var(--green-50);
}
.hero-v2-meta-item strong {
  display: block;
  font-size: 28px;
  font-weight: 800;
  color: var(--green-dark);
  letter-spacing: -0.03em;
  line-height: 1;
}
.hero-v2-meta-item span {
  display: block;
  font-size: 12.5px;
  color: var(--text-soft);
  margin-top: 6px;
  font-weight: 600;
}

.hero-v2-image { position: relative; animation: fadeUp .8s ease .2s backwards; }
.hero-v2-imgwrap {
  position: relative;
  width: 100%;
  aspect-ratio: 9/10;
  border-radius: 36px 36px 36px 120px;
  overflow: hidden;
  box-shadow: 0 30px 80px rgba(0,58,93,0.18);
}
.hero-v2-imgwrap svg { width: 100%; height: 100%; display: block; }
.hero-v2-float-card {
  position: absolute;
  top: 28px; left: -22px;
  background: var(--white);
  border-radius: var(--r-md);
  padding: 14px 18px;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  gap: 12px;
  z-index: 2;
  animation: floatY 4s ease-in-out infinite;
}
@keyframes floatY {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}
.hero-v2-fc-ico {
  width: 42px; height: 42px;
  background: var(--green);
  border-radius: 12px;
  display: grid; place-items: center;
  color: var(--white);
  flex-shrink: 0;
}
.hero-v2-fc-ico svg { width: 22px; height: 22px; }
.hero-v2-fc-text strong {
  display: block;
  font-size: 18px;
  color: var(--ink);
  font-weight: 800;
  line-height: 1;
}
.hero-v2-fc-text span {
  display: block;
  font-size: 11.5px;
  color: var(--text-soft);
  margin-top: 4px;
  font-weight: 600;
}
.hero-v2-float-pill {
  position: absolute;
  bottom: 38px; right: -16px;
  background: var(--white);
  padding: 10px 16px;
  border-radius: var(--r-pill);
  font-size: 12.5px;
  font-weight: 700;
  color: var(--ink);
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  gap: 9px;
  z-index: 2;
  animation: floatY 4s ease-in-out infinite .5s;
}
.hero-v2-float-pill strong { color: var(--green-dark); }
.hero-v2-float-pill .pulse {
  width: 8px; height: 8px;
  background: var(--green);
  border-radius: 50%;
  animation: pulseGlow 1.5s infinite;
}
@keyframes pulseGlow {
  0% { box-shadow: 0 0 0 0 rgba(0,144,227,0.6); }
  70% { box-shadow: 0 0 0 10px rgba(0,144,227,0); }
  100% { box-shadow: 0 0 0 0 rgba(0,144,227,0); }
}

/* --- TRUST BAR --- */
.trust-bar {
  background: var(--green-25);
  padding: 50px 0;
  border-top: 1px solid var(--green-100);
  border-bottom: 1px solid var(--green-100);
}
.trust-bar-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 50px;
  align-items: center;
}
.trust-bar-left h3 {
  font-size: 22px;
  margin-bottom: 6px;
  letter-spacing: -0.02em;
}
.trust-bar-left p {
  font-size: 14px;
  color: var(--text);
  margin: 0;
  max-width: 500px;
  line-height: 1.55;
}
.trust-bar-badges { display: flex; gap: 18px; flex-wrap: wrap; }
.trust-badge {
  background: var(--white);
  padding: 14px 18px;
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  gap: 12px;
  border: 1.5px solid var(--white);
  box-shadow: var(--shadow-sm);
  transition: all .25s;
}
.trust-badge:hover { transform: translateY(-3px); border-color: var(--green-soft); }
.trust-badge-mark {
  width: 44px; height: 44px;
  background: var(--green-dark);
  color: var(--cream);
  border-radius: 12px;
  display: grid; place-items: center;
  font-weight: 800;
  font-size: 12px;
  letter-spacing: -0.01em;
  flex-shrink: 0;
}
.trust-badge-text strong {
  display: block;
  font-size: 14px;
  font-weight: 800;
  color: var(--ink);
  line-height: 1.2;
}
.trust-badge-text span {
  display: block;
  font-size: 11.5px;
  color: var(--text-soft);
  font-weight: 600;
  margin-top: 2px;
}

/* --- SECTION HEAD V2 --- */
.banks-section-v2 { padding: 90px 0; background: var(--white); }
.sec-head-v2 {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 56px;
}
.sec-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green-dark);
  margin-bottom: 14px;
  padding: 6px 14px;
  background: var(--green-25);
  border-radius: var(--r-pill);
  border: 1px solid var(--green-100);
}
.sec-head-v2 h2 {
  font-size: clamp(30px, 4.5vw, 44px);
  line-height: 1.1;
  margin-bottom: 14px;
  letter-spacing: -0.03em;
  color: var(--ink);
}
.sec-head-v2 p {
  font-size: 16px;
  color: var(--text);
  max-width: 540px;
  margin: 0 auto;
  line-height: 1.6;
}

/* --- SPLIT FEATURE --- */
.split-feature { padding: 100px 0; background: var(--white); }
.split-feature-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 70px;
  align-items: center;
}
.split-feature-img svg { width: 100%; height: auto; max-width: 540px; margin: 0 auto; display: block; }
.split-feature-text h2 {
  font-size: clamp(28px, 4vw, 40px);
  line-height: 1.12;
  margin: 14px 0 18px;
  letter-spacing: -0.03em;
}
.sf-lede {
  font-size: 16px;
  color: var(--text);
  line-height: 1.65;
  margin: 0 0 24px;
}
.sf-checklist { list-style: none; margin: 0 0 28px; padding: 0; }
.sf-checklist li {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 10px 0;
  font-size: 15px;
  color: var(--ink);
  font-weight: 600;
  line-height: 1.4;
}
.sf-check {
  width: 28px; height: 28px;
  background: var(--green);
  color: var(--white);
  border-radius: 50%;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(0,144,227,0.30);
}
.sf-check svg { width: 14px; height: 14px; }
.sf-cta-row { display: flex; gap: 14px; flex-wrap: wrap; }

/* --- STATS RIBBON --- */
.stats-ribbon { padding: 80px 0; background: var(--green-25); border-top: 1px solid var(--green-100); border-bottom: 1px solid var(--green-100); }
.stats-ribbon-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.stat-card-v2 {
  background: var(--white);
  border-radius: 20px;
  padding: 32px 26px;
  text-align: center;
  border: 1px solid var(--green-100);
  transition: all .3s ease;
}
.stat-card-v2:hover {
  transform: translateY(-5px);
  border-color: var(--green);
  box-shadow: 0 20px 50px rgba(0,58,93,0.10);
}
.stat-card-v2-num {
  font-size: 44px;
  font-weight: 800;
  color: var(--green-dark);
  letter-spacing: -0.04em;
  line-height: 1;
  margin-bottom: 14px;
}
.stat-card-v2-num span {
  display: inline-block;
  font-size: 18px;
  margin-left: 4px;
  color: var(--green);
  opacity: 0.9;
}
.stat-card-v2-lbl {
  font-size: 14px;
  font-weight: 700;
  color: var(--ink);
  line-height: 1.3;
}
.stat-card-v2-lbl small {
  display: block;
  margin-top: 4px;
  font-size: 12px;
  font-weight: 500;
  color: var(--text-soft);
}

/* --- PROCESS V2 --- */
.process-v2 { padding: 100px 0; background: var(--white); position: relative; overflow: hidden; }
.process-v2-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  position: relative;
  z-index: 1;
}
.process-v2-step {
  text-align: center;
  padding: 36px 26px;
  background: var(--white);
  border-radius: 20px;
  border: 1px solid var(--line);
  transition: all .35s ease;
  position: relative;
}
.process-v2-step:hover {
  transform: translateY(-6px);
  border-color: var(--green);
  box-shadow: 0 20px 50px rgba(0,58,93,0.08);
}
.pv2-num {
  position: absolute;
  top: 18px; right: 22px;
  font-size: 56px;
  font-weight: 800;
  color: var(--green-25);
  letter-spacing: -0.04em;
  line-height: 1;
  z-index: 0;
}
.pv2-ico { position: relative; z-index: 1; width: 80px; height: 80px; margin: 0 auto 22px; }
.pv2-ico svg { width: 100%; height: 100%; }
.process-v2-step h4 {
  font-size: 20px;
  margin-bottom: 12px;
  letter-spacing: -0.02em;
  position: relative;
  z-index: 1;
}
.process-v2-step p {
  font-size: 14.5px;
  color: var(--text);
  margin: 0;
  line-height: 1.6;
  position: relative;
  z-index: 1;
}
.process-v2-connector { display: none; }

/* --- TESTIMONIAL V2 --- */
.testimonial-v2 { padding: 100px 0; background: linear-gradient(135deg, var(--green-25) 0%, var(--white) 100%); }
.testimonial-v2-wrap {
  max-width: 880px;
  margin: 0 auto;
  position: relative;
  text-align: center;
}
.testimonial-v2-quote-mark { margin: 0 auto 24px; width: 64px; }
.testimonial-v2-quote-mark svg { width: 100%; height: auto; }
.testimonial-v2-slides { position: relative; min-height: 280px; }
.testimonial-v2-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  transition: opacity .5s ease, transform .5s ease;
  transform: translateY(10px);
  pointer-events: none;
}
.testimonial-v2-slide.active {
  opacity: 1;
  position: relative;
  transform: translateY(0);
  pointer-events: auto;
}
.tv2-text {
  font-size: clamp(20px, 2.6vw, 28px);
  font-weight: 600;
  color: var(--ink);
  line-height: 1.45;
  letter-spacing: -0.015em;
  margin: 0 auto 40px;
  max-width: 740px;
  font-family: var(--display);
}
.tv2-text strong { color: var(--green-dark); font-weight: 800; }
.tv2-author {
  display: inline-flex;
  align-items: center;
  gap: 16px;
  background: var(--white);
  padding: 14px 22px 14px 14px;
  border-radius: var(--r-pill);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--green-100);
}
.tv2-avatar {
  width: 46px; height: 46px;
  background: var(--grad-primary);
  color: var(--cream);
  border-radius: 50%;
  display: grid; place-items: center;
  font-weight: 800;
  font-size: 14px;
  flex-shrink: 0;
}
.tv2-info { text-align: left; }
.tv2-name { font-weight: 800; font-size: 14.5px; color: var(--ink); }
.tv2-role { font-size: 12px; color: var(--text-soft); margin-top: 2px; font-weight: 500; }
.tv2-stars { color: var(--cream-dark); letter-spacing: 2px; font-size: 14px; padding-left: 12px; border-left: 1px solid var(--green-100); }
.testimonial-v2-controls { margin-top: 32px; display: flex; justify-content: center; gap: 8px; }
.tv2-dot {
  width: 10px; height: 10px;
  background: var(--green-100);
  border: none;
  border-radius: 50%;
  cursor: pointer;
  padding: 0;
  transition: all .3s;
}
.tv2-dot.active { background: var(--green); width: 32px; border-radius: 5px; }

/* --- BLOG V2 — 1 feature + 4 mini --- */
.blog-v2 { padding: 100px 0; background: var(--white); }
.blog-v2-layout {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 32px;
}
.blog-v2-feature {
  border-radius: 24px;
  overflow: hidden;
  border: 1.5px solid var(--line);
  display: flex;
  flex-direction: column;
  background: var(--white);
  transition: all .35s ease;
}
.blog-v2-feature:hover { border-color: var(--green); box-shadow: 0 24px 50px rgba(0,58,93,0.12); transform: translateY(-4px); }
.bv2-thumb { position: relative; height: 320px; overflow: hidden; }
.bv2-thumb svg { width: 100%; height: 100%; transition: transform .6s; }
.blog-v2-feature:hover .bv2-thumb svg { transform: scale(1.05); }
.bv2-tag {
  position: absolute;
  top: 18px; left: 18px;
  padding: 8px 14px;
  background: var(--white);
  color: var(--green-dark);
  border-radius: var(--r-pill);
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.bv2-tag-featured { background: var(--green-dark); color: var(--cream); }
.bv2-body { padding: 28px 32px 32px; }
.bv2-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 11.5px;
  color: var(--text-soft);
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.bv2-meta .dot { width: 3px; height: 3px; background: var(--green); border-radius: 50%; }
.bv2-body h3 {
  font-size: 26px;
  letter-spacing: -0.02em;
  line-height: 1.2;
  margin: 0 0 14px;
}
.bv2-body p { font-size: 15px; color: var(--text); line-height: 1.65; margin: 0 0 20px; }
.bv2-link {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  font-weight: 800;
  color: var(--green-dark);
}
.bv2-link:hover { gap: 16px; }
.bv2-link .ac {
  width: 36px; height: 36px;
  background: var(--green-25);
  color: var(--green-dark);
  border-radius: 50%;
  display: grid; place-items: center;
  transition: all .3s ease;
}
.bv2-link:hover .ac { background: var(--green-dark); color: var(--white); transform: rotate(-12deg); }
.bv2-link .ac svg { width: 14px; height: 14px; }

.blog-v2-side { display: flex; flex-direction: column; gap: 16px; }
.blog-v2-mini {
  position: relative;
  display: grid;
  grid-template-columns: 100px 1fr;
  gap: 18px;
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: 16px;
  padding: 14px;
  transition: all .25s ease;
  align-items: center;
}
.blog-v2-mini:hover { border-color: var(--green); transform: translateX(4px); box-shadow: var(--shadow-sm); }
.bv2m-thumb {
  width: 100px; height: 100px;
  border-radius: 12px;
  overflow: hidden;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.bv2m-thumb svg { width: 100%; height: 100%; }
.bv2m-body { min-width: 0; }
.bv2m-tag {
  display: inline-block;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--green-dark);
  background: var(--green-25);
  padding: 3px 8px;
  border-radius: var(--r-pill);
  margin-bottom: 6px;
}
.bv2m-body h4 {
  font-size: 14.5px;
  line-height: 1.3;
  letter-spacing: -0.01em;
  margin: 0 0 6px;
  color: var(--ink);
}
.bv2m-meta { font-size: 11.5px; color: var(--text-soft); font-weight: 600; }
.bv2m-link {
  position: absolute;
  inset: 0;
  text-indent: -9999px;
  overflow: hidden;
}

/* --- FAQ V2 --- */
.faq-v2 { padding: 100px 0; background: var(--green-25); }
.faq-v2-list { max-width: 760px; margin: 0 auto; }
.faq-v2 details {
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: 14px;
  margin-bottom: 10px;
  transition: all .25s;
}
.faq-v2 details[open] { border-color: var(--green); box-shadow: 0 14px 32px rgba(0,58,93,0.06); }
.faq-v2 summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  cursor: pointer;
  list-style: none;
  font-size: 15.5px;
  font-weight: 700;
  color: var(--ink);
  gap: 14px;
}
.faq-v2 summary::-webkit-details-marker { display: none; }
.faq-v2-icon {
  width: 32px; height: 32px;
  background: var(--green-25);
  color: var(--green-dark);
  border-radius: 50%;
  display: grid;
  place-items: center;
  transition: all .3s;
  flex-shrink: 0;
}
.faq-v2-icon svg { width: 14px; height: 14px; }
.faq-v2 details[open] .faq-v2-icon { background: var(--green); color: var(--white); transform: rotate(180deg); }
.faq-v2 details > div { padding: 0 24px 22px; font-size: 14.5px; line-height: 1.7; color: var(--text); }
.faq-v2 strong { color: var(--green-dark); font-weight: 800; }

/* --- CTA V2 --- */
.cta-v2 { padding: 90px 0; background: var(--white); }
.cta-v2-card {
  background: linear-gradient(135deg, var(--green-darker) 0%, var(--green-dark) 100%);
  border-radius: 32px;
  padding: 60px;
  display: grid;
  grid-template-columns: 1.6fr 1fr;
  gap: 40px;
  align-items: center;
  position: relative;
  overflow: hidden;
  box-shadow: 0 30px 70px rgba(0,58,93,0.30);
}
.cta-v2-card::before {
  content: "";
  position: absolute;
  top: -100px; right: -80px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(167,243,208,0.30), transparent 65%);
  z-index: 0;
}
.cta-v2-content { position: relative; z-index: 1; }
.cta-v2-eyebrow {
  display: inline-block;
  background: rgba(167,243,208,0.20);
  color: var(--cream);
  padding: 6px 14px;
  border-radius: var(--r-pill);
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.cta-v2-card h2 {
  font-size: clamp(28px, 4vw, 40px);
  color: var(--white);
  letter-spacing: -0.03em;
  line-height: 1.1;
  margin: 0 0 16px;
}
.cta-v2-card p { font-size: 16.5px; color: rgba(255,255,255,0.85); margin: 0 0 28px; max-width: 520px; }
.cta-v2-actions { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }
.btn-cream-lg {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--cream);
  color: var(--green-deep);
  padding: 16px 30px;
  border-radius: var(--r-pill);
  font-size: 15px;
  font-weight: 800;
  cursor: pointer;
  border: none;
  font-family: inherit;
  transition: all .25s ease;
}
.btn-cream-lg:hover { background: var(--white); transform: translateY(-2px); box-shadow: 0 20px 40px rgba(242,233,208,0.40); }
.btn-cream-lg svg { width: 15px; height: 15px; transition: transform .3s; }
.btn-cream-lg:hover svg { transform: translateX(3px); }
.cta-v2-mailto {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--cream);
  font-size: 14px;
  font-weight: 700;
  border-bottom: 1px solid rgba(255,255,255,0.30);
  padding-bottom: 2px;
}
.cta-v2-mailto:hover { color: var(--white); }
.cta-v2-mailto svg { width: 16px; height: 16px; }
.cta-v2-deco {
  position: relative;
  z-index: 1;
  text-align: right;
}
.cta-v2-deco svg { max-width: 280px; }

/* --- FOOTER V2 --- */
.footer-v2 { background: var(--green-deep); color: rgba(255,255,255,0.65); padding: 0; margin-top: 0; }
.footer-v2-newsletter {
  background: var(--green-dark);
  padding: 36px 0;
  border-bottom: 1px solid rgba(255,255,255,0.10);
}
.fnews-row {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 36px;
  align-items: center;
}
.fnews-text h3 {
  color: var(--white);
  font-size: 22px;
  margin: 0 0 6px;
  letter-spacing: -0.02em;
}
.fnews-text p { color: rgba(255,255,255,0.70); margin: 0; font-size: 14px; }
.fnews-form {
  display: flex;
  gap: 10px;
  background: var(--white);
  padding: 6px 6px 6px 18px;
  border-radius: var(--r-pill);
  align-items: center;
  border: 1px solid rgba(255,255,255,0.20);
}
.fnews-form input {
  flex: 1;
  border: none;
  background: transparent;
  font-size: 14px;
  font-family: inherit;
  color: var(--ink);
  padding: 12px 0;
  min-width: 0;
}
.fnews-form input::placeholder { color: var(--muted); }
.fnews-form input:focus { outline: none; }
.fnews-form button {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--green);
  color: var(--white);
  padding: 12px 24px;
  border-radius: var(--r-pill);
  font-size: 13.5px;
  font-weight: 700;
  border: none;
  cursor: pointer;
  font-family: inherit;
  white-space: nowrap;
  transition: all .25s ease;
}
.fnews-form button:hover { background: var(--green-2); transform: translateX(2px); }
.fnews-form button svg { width: 13px; height: 13px; }

.footer-v2-main { padding: 60px 0 40px; }
.footer-v2-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 40px;
}
.footer-v2-brand img { height: 50px; }
.footer-v2-brand p { color: rgba(255,255,255,0.65); line-height: 1.65; margin: 22px 0 24px; max-width: 360px; font-size: 14px; }
.footer-v2-social { display: flex; gap: 10px; }
.footer-v2-social a {
  width: 40px; height: 40px;
  background: rgba(255,255,255,0.06);
  border-radius: var(--r-md);
  display: grid; place-items: center;
  color: rgba(255,255,255,0.70);
  transition: all .3s ease;
}
.footer-v2-social a:hover { background: var(--green); color: var(--white); transform: translateY(-3px); }
.footer-v2-social svg { width: 16px; height: 16px; }
.footer-v2-col h4 { color: var(--white); font-size: 14px; margin: 0 0 18px; font-weight: 800; letter-spacing: 0.02em; }
.footer-v2-col ul { list-style: none; padding: 0; margin: 0; }
.footer-v2-col li { margin-bottom: 10px; font-size: 13.5px; }
.footer-v2-col a { color: rgba(255,255,255,0.65); transition: all .2s; }
.footer-v2-col a:hover { color: var(--cream); padding-left: 5px; }
.footer-v2-contact li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  line-height: 1.5;
  margin-bottom: 14px;
}
.footer-v2-contact svg {
  width: 16px; height: 16px;
  color: var(--green-3);
  flex-shrink: 0;
  margin-top: 3px;
}
.footer-v2-contact a:hover { padding-left: 0; }
.footer-v2-bottom {
  border-top: 1px solid rgba(255,255,255,0.10);
  padding: 22px 0;
  font-size: 12.5px;
  color: rgba(255,255,255,0.45);
}
.footer-v2-bottom .container {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
}
.fv2b-meta { color: rgba(255,255,255,0.35); }

/* --- VARIED REVEAL ANIMATIONS --- */
.reveal-fade { opacity: 0; transition: opacity .8s ease; }
.reveal-fade.visible { opacity: 1; }
.reveal-left { opacity: 0; transform: translateX(-30px); transition: opacity .8s ease, transform .8s ease; }
.reveal-left.visible { opacity: 1; transform: translateX(0); }
.reveal-right { opacity: 0; transform: translateX(30px); transition: opacity .8s ease, transform .8s ease; }
.reveal-right.visible { opacity: 1; transform: translateX(0); }
.reveal-scale { opacity: 0; transform: scale(0.94); transition: opacity .8s ease, transform .8s ease; }
.reveal-scale.visible { opacity: 1; transform: scale(1); }
.reveal-stagger { opacity: 0; transition: opacity .6s ease; }
.reveal-stagger.visible { opacity: 1; }
.reveal-stagger.visible > * {
  animation: staggerUp .6s ease backwards;
}
.reveal-stagger.visible > *:nth-child(1) { animation-delay: .1s; }
.reveal-stagger.visible > *:nth-child(2) { animation-delay: .25s; }
.reveal-stagger.visible > *:nth-child(3) { animation-delay: .4s; }
.reveal-stagger.visible > *:nth-child(4) { animation-delay: .55s; }
@keyframes staggerUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}

/* --- RESPONSIVE V2 --- */
@media (max-width: 1100px) {
  .hero-v2-grid { gap: 50px; }
  .stats-ribbon-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-v2-layout { grid-template-columns: 1fr; }
  .footer-v2-grid { grid-template-columns: 1fr 1fr; }
  .footer-v2-brand { grid-column: 1 / -1; }
}

@media (max-width: 980px) {
  .nav-links-v2 { display: none; }
  .hero-v2 { padding: 50px 0 60px; }
  .hero-v2-grid { grid-template-columns: 1fr; gap: 40px; text-align: center; }
  .hero-v2-text { order: 1; }
  .hero-v2-image { order: 2; max-width: 480px; margin: 0 auto; }
  .hero-v2-imgwrap { border-radius: 32px; }
  .hero-v2-cta-row { justify-content: center; }
  .hero-v2-meta { justify-content: center; }
  .hero-v2-lede { margin: 0 auto 32px; }
  .trust-bar-row { grid-template-columns: 1fr; text-align: center; }
  .trust-bar-left p { margin: 0 auto; }
  .split-feature-grid { grid-template-columns: 1fr; gap: 50px; }
  .process-v2-grid { grid-template-columns: 1fr; gap: 24px; }
  .cta-v2-card { grid-template-columns: 1fr; padding: 44px 32px; gap: 28px; }
  .cta-v2-deco { display: none; }
  .fnews-row { grid-template-columns: 1fr; gap: 20px; }
}

@media (max-width: 768px) {
  .hero-v2-text h1 { font-size: clamp(30px, 8vw, 42px); }
  .hero-v2-meta { gap: 20px; flex-wrap: wrap; padding-top: 24px; }
  .hero-v2-meta-item strong { font-size: 22px; }
  .hero-v2-float-card { padding: 10px 12px; }
  .hero-v2-fc-text strong { font-size: 14px; }
  .stats-ribbon-grid { grid-template-columns: 1fr 1fr; gap: 14px; }
  .stat-card-v2 { padding: 24px 18px; }
  .stat-card-v2-num { font-size: 32px; }
  .stat-card-v2-num span { font-size: 14px; }
  .trust-bar-badges { gap: 10px; }
  .trust-badge { padding: 10px 12px; }
  .blog-v2-mini { grid-template-columns: 80px 1fr; padding: 10px; }
  .bv2m-thumb { width: 80px; height: 80px; }
  .bv2-body h3 { font-size: 22px; }
  .bv2-body { padding: 22px 22px 24px; }
  .footer-v2-grid { grid-template-columns: 1fr; gap: 32px; text-align: center; }
  .footer-v2-brand p { margin: 18px auto 22px; }
  .footer-v2-social { justify-content: center; }
  .footer-v2-contact li { justify-content: center; }
  .footer-v2-bottom .container { justify-content: center; text-align: center; flex-direction: column; }
  .testimonial-v2 { padding: 60px 0; }
  .tv2-text { font-size: 18px; padding: 0 16px; }
  .tv2-author { padding: 12px 18px 12px 12px; gap: 12px; }
  .fnews-form { flex-direction: column; padding: 12px; gap: 8px; }
  .fnews-form input { padding: 12px 12px; background: var(--off-white); border-radius: var(--r-pill); }
  .fnews-form button { width: 100%; justify-content: center; }
}

@media (max-width: 480px) {
  .nav-cta { padding: 10px 16px; font-size: 12.5px; }
  .nav-cta svg { display: none; }
  .hero-v2-float-card { left: 0; top: 12px; }
  .hero-v2-float-pill { right: 0; bottom: 20px; }
}

/* ============================================================
   V2 — LEGAL / ARTICLE / DANKE PAGES + MOBILE MENU
   ============================================================ */

body.page-legal { background: var(--white); }
body.page-blog { background: var(--white); }
body.page-danke { background: var(--white); }

/* --- LEGAL HERO V2 --- */
.legal-hero-v2 {
  background: linear-gradient(135deg, var(--green-25) 0%, var(--green-50) 100%);
  padding: 50px 0 60px;
  border-bottom: 1px solid var(--green-100);
  position: relative;
  overflow: hidden;
}
.legal-hero-v2::before {
  content: "";
  position: absolute;
  top: -100px; right: -80px;
  width: 360px; height: 360px;
  background: radial-gradient(circle, var(--green-soft), transparent 65%);
  border-radius: 50%;
  z-index: 0;
}
.legal-hero-v2 > .container {
  position: relative;
  z-index: 1;
  max-width: 1100px;
}
.legal-back-v2 {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 700;
  color: var(--green-dark);
  background: var(--white);
  padding: 8px 14px;
  border-radius: var(--r-pill);
  border: 1px solid var(--green-100);
  margin-bottom: 24px;
  transition: all .25s;
}
.legal-back-v2:hover { background: var(--green); color: var(--white); border-color: var(--green); transform: translateX(-3px); }
.legal-back-v2 svg { width: 13px; height: 13px; transition: transform .25s; }
.legal-hero-v2-lead {
  font-size: 12.5px;
  font-weight: 800;
  letter-spacing: 0.12em;
  color: var(--green-dark);
  text-transform: uppercase;
  margin: 0 0 12px;
}
.legal-hero-v2 h1 {
  font-size: clamp(32px, 5vw, 48px);
  color: var(--ink);
  letter-spacing: -0.03em;
  line-height: 1.05;
  margin: 0 0 10px;
}
.legal-hero-v2-sub {
  font-size: 16px;
  color: var(--text);
  margin: 0;
  max-width: 540px;
}

/* --- LEGAL PAGE V2 --- */
.legal-page-v2 {
  padding: 60px 0 60px;
  background: var(--white);
}
.legal-grid {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 40px;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 28px;
}
.legal-toc-v2 {
  position: sticky;
  top: 90px;
  align-self: start;
  background: var(--green-25);
  border: 1px solid var(--green-100);
  border-radius: 16px;
  padding: 22px 18px;
}
.legal-toc-v2 h4 {
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green-dark);
  margin: 0 0 14px;
  font-weight: 800;
}
.legal-toc-v2 ul { list-style: none; padding: 0; margin: 0; }
.legal-toc-v2 li { margin-bottom: 4px; }
.legal-toc-v2 a {
  display: block;
  padding: 8px 12px;
  font-size: 13px;
  font-weight: 600;
  color: var(--ink-soft);
  border-radius: var(--r-xs);
  text-decoration: none;
  transition: all .2s;
  border-left: 2px solid transparent;
}
.legal-toc-v2 a:hover {
  color: var(--green-dark);
  background: var(--white);
  border-left-color: var(--green);
}
.legal-content-v2 {
  background: var(--white);
  border-radius: 20px;
  padding: 40px 48px;
  border: 1px solid var(--line);
}
.legal-content-v2 h2 {
  font-size: 22px;
  margin: 32px 0 14px;
  color: var(--ink);
  letter-spacing: -0.02em;
  display: flex;
  align-items: center;
  gap: 14px;
  line-height: 1.2;
}
.legal-content-v2 h2:first-child { margin-top: 0; }
.legal-content-v2 h2::before {
  content: "";
  width: 6px; height: 22px;
  background: var(--green);
  border-radius: 3px;
  flex-shrink: 0;
}
.legal-content-v2 h3 {
  font-size: 17px;
  margin: 22px 0 10px;
  color: var(--green-dark);
}
.legal-content-v2 p, .legal-content-v2 li {
  font-size: 15px;
  color: var(--text);
  line-height: 1.75;
}
.legal-content-v2 ul, .legal-content-v2 ol { padding-left: 22px; margin: 12px 0 18px; }
.legal-content-v2 li { margin-bottom: 6px; }
.legal-content-v2 ul li::marker, .legal-content-v2 ol li::marker { color: var(--green); }
.legal-content-v2 a {
  color: var(--green-dark);
  text-decoration: underline;
  font-weight: 600;
  text-underline-offset: 3px;
}
.legal-content-v2 a:hover { color: var(--green); }
.legal-content-v2 strong { color: var(--ink); font-weight: 700; }
.legal-info-block {
  background: var(--green-25);
  border-left: 3px solid var(--green);
  border-radius: 12px;
  padding: 18px 22px;
  margin: 16px 0 22px;
}
.legal-info-block p { margin: 5px 0; }
.legal-stand {
  color: var(--muted);
  font-size: 13px;
  margin-top: 32px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
}

/* --- ARTICLE V2 (blog reader) --- */
.article-v2 {
  padding: 40px 0 80px;
  background: var(--white);
  position: relative;
}
.article-v2 > .container { max-width: 760px; }

.article-v2-header {
  margin: 30px 0 32px;
  text-align: center;
}
.article-v2-tag {
  display: inline-block;
  background: var(--green-25);
  color: var(--green-dark);
  padding: 6px 14px;
  border-radius: var(--r-pill);
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 20px;
  border: 1px solid var(--green-100);
}
.article-v2-header h1 {
  font-size: clamp(28px, 4.5vw, 44px);
  line-height: 1.12;
  letter-spacing: -0.03em;
  color: var(--ink);
  margin: 0 0 18px;
}
.article-v2-meta {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--text-soft);
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.04em;
}
.article-v2-meta .dot { width: 3px; height: 3px; background: var(--green); border-radius: 50%; }

.article-v2-lede {
  padding: 24px 28px;
  background: var(--green-25);
  border-radius: 16px;
  margin-bottom: 36px;
  border-left: 4px solid var(--green);
}
.article-v2-lede p {
  font-size: 18px;
  line-height: 1.6;
  color: var(--ink);
  margin: 0;
  font-weight: 500;
  letter-spacing: -0.01em;
}

.article-v2-body {
  font-size: 16px;
  line-height: 1.8;
  color: var(--text);
}
.article-v2-body p { margin: 0 0 18px; }
.article-v2-body p:first-of-type::first-letter {
  font-size: 56px;
  font-weight: 800;
  color: var(--green-dark);
  float: left;
  line-height: 0.85;
  margin: 6px 12px 0 0;
  font-family: Georgia, serif;
}
.article-v2-body h2 {
  font-size: 24px;
  margin: 36px 0 14px;
  color: var(--ink);
  letter-spacing: -0.02em;
  line-height: 1.2;
  border-left: 4px solid var(--green);
  padding-left: 14px;
}
.article-v2-body h3 {
  font-size: 18px;
  margin: 28px 0 10px;
  color: var(--green-dark);
}
.article-v2-body strong { color: var(--ink); font-weight: 700; }
.article-v2-body a { color: var(--green-dark); text-decoration: underline; font-weight: 600; }
.article-v2-body ul, .article-v2-body ol { padding-left: 22px; margin: 0 0 20px; }
.article-v2-body li { margin-bottom: 8px; }
.article-v2-body ul li::marker { color: var(--green); }
.article-v2-body blockquote {
  margin: 28px 0;
  padding: 22px 26px;
  background: var(--green-25);
  border-left: 4px solid var(--green);
  border-radius: 12px;
  font-size: 16.5px;
  font-weight: 500;
  color: var(--ink);
  line-height: 1.55;
}

.article-v2-cta {
  margin: 48px 0 40px;
  padding: 36px 32px;
  background: linear-gradient(135deg, var(--green-darker) 0%, var(--green-dark) 100%);
  border-radius: 24px;
  color: var(--white);
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 28px;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.article-v2-cta::before {
  content: "";
  position: absolute;
  top: -60px; right: -40px;
  width: 220px; height: 220px;
  background: radial-gradient(circle, rgba(167,243,208,0.25), transparent 65%);
  z-index: 0;
}
.article-v2-cta > div { position: relative; z-index: 1; }
.article-v2-cta h3 {
  font-size: 22px;
  color: var(--white);
  margin: 0 0 8px;
}
.article-v2-cta p {
  font-size: 14.5px;
  color: rgba(255,255,255,0.85);
  margin: 0;
  max-width: 440px;
}
.article-v2-cta .btn-cream-lg { position: relative; z-index: 1; flex-shrink: 0; }

.article-v2-more h3 {
  font-size: 24px;
  margin: 30px 0 22px;
  letter-spacing: -0.02em;
  text-align: center;
}
.article-v2-more-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}
.article-v2-mini {
  display: block;
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: 14px;
  padding: 20px;
  transition: all .25s ease;
  text-decoration: none;
  color: inherit;
}
.article-v2-mini:hover {
  border-color: var(--green);
  transform: translateY(-3px);
  box-shadow: 0 14px 32px rgba(0,58,93,0.10);
}
.amm-tag {
  display: inline-block;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--green-dark);
  background: var(--green-25);
  padding: 3px 9px;
  border-radius: var(--r-pill);
  margin-bottom: 10px;
}
.article-v2-mini h4 {
  font-size: 14.5px;
  line-height: 1.35;
  letter-spacing: -0.01em;
  margin: 0 0 8px;
  color: var(--ink);
}
.amm-meta { font-size: 11.5px; color: var(--text-soft); font-weight: 600; }

/* --- DANKE V2 --- */
.danke-v2 {
  padding: 80px 0 100px;
  background:
    radial-gradient(circle at 80% -20%, var(--green-25), transparent 50%),
    radial-gradient(circle at 0% 110%, var(--green-50), transparent 45%),
    var(--white);
  min-height: 60vh;
}
.danke-v2-wrap {
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
}
.danke-v2-icon {
  width: 96px; height: 96px;
  margin: 0 auto 28px;
  background: var(--grad-primary);
  border-radius: 50%;
  display: grid; place-items: center;
  box-shadow: 0 24px 50px rgba(0,144,227,0.40);
  animation: dankePop .6s cubic-bezier(0.34, 1.56, 0.64, 1);
}
.danke-v2-icon svg { width: 100%; height: 100%; }
@keyframes dankePop {
  0% { transform: scale(0) rotate(-180deg); opacity: 0; }
  100% { transform: scale(1) rotate(0deg); opacity: 1; }
}
.danke-v2-eyebrow {
  display: inline-block;
  background: var(--green-25);
  color: var(--green-dark);
  padding: 8px 16px;
  border-radius: var(--r-pill);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  margin-bottom: 20px;
  border: 1px solid var(--green-100);
}
.danke-v2 h1 {
  font-size: clamp(32px, 5vw, 52px);
  margin: 0 0 18px;
  line-height: 1.05;
  letter-spacing: -0.03em;
}
.danke-v2 h1 .accent { color: var(--green-dark); font-style: italic; }
.danke-v2-lede {
  font-size: 17px;
  color: var(--text);
  margin: 0 auto 28px;
  max-width: 480px;
  line-height: 1.65;
}
.danke-v2-lede strong { color: var(--ink); font-weight: 700; }
.danke-v2-ref {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: var(--green-25);
  padding: 12px 20px;
  border-radius: var(--r-pill);
  border: 1px solid var(--green-100);
  margin-bottom: 40px;
}
.d-ref-lbl {
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--green-dark);
}
.d-ref-val {
  font-size: 14px;
  font-weight: 800;
  color: var(--ink);
  font-family: var(--display);
}
.danke-v2-steps {
  text-align: left;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 32px 36px;
  box-shadow: 0 14px 40px rgba(0,58,93,0.06);
  margin-bottom: 36px;
}
.danke-v2-steps h3 {
  font-size: 18px;
  margin: 0 0 18px;
  text-align: center;
  letter-spacing: -0.02em;
}
.danke-v2-steps-list { list-style: none; padding: 0; margin: 0; }
.danke-v2-steps-list li {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 14px 0;
}
.danke-v2-steps-list li + li { border-top: 1px solid var(--line); }
.dsl-num {
  width: 34px; height: 34px;
  background: var(--grad-primary);
  color: var(--white);
  border-radius: 12px;
  display: grid; place-items: center;
  font-weight: 800;
  font-size: 14px;
  flex-shrink: 0;
}
.dsl-text strong {
  display: block;
  font-size: 15px;
  color: var(--ink);
  font-weight: 800;
  margin-bottom: 4px;
}
.dsl-text span {
  display: block;
  font-size: 14px;
  color: var(--text);
  line-height: 1.55;
}
.danke-v2-actions {
  display: flex;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
}
.danke-v2-actions .btn-mint-lg svg { transform: none; }
.danke-v2-actions .btn-mint-lg:hover svg { transform: translateX(-3px); }

/* ============================================================
   MOBILE MENU FIX (works on all pages)
   ============================================================ */

@media (max-width: 980px) {
  .nav-links-v2 {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 16px 20px;
    border-top: 1px solid var(--green-50);
    box-shadow: 0 14px 40px rgba(0,58,93,0.08);
    align-items: stretch;
    z-index: 99;
    display: none !important;
    gap: 4px;
  }
  .nav-links-v2.open {
    display: flex !important;
  }
  .nav-links-v2 a {
    padding: 14px 18px;
    border-radius: var(--r-md);
    font-size: 15px;
    text-align: center;
  }
  .nav-clean { position: relative; min-height: 64px; gap: 12px; }
  .nav-cta { padding: 11px 18px; font-size: 13px; }
  .nav-cta svg { width: 12px; height: 12px; }
}

/* Page-specific responsive refinements */
@media (max-width: 980px) {
  .legal-grid { grid-template-columns: 1fr; gap: 24px; padding: 0 20px; }
  .legal-toc-v2 { position: static; }
  .legal-content-v2 { padding: 32px 28px; }
  .legal-hero-v2 { padding: 40px 0 48px; }
  .article-v2-cta { grid-template-columns: 1fr; text-align: center; }
  .article-v2-cta p { margin: 0 auto; }
  .article-v2-more-grid { grid-template-columns: 1fr; gap: 12px; }
  .danke-v2-steps { padding: 26px 24px; }
}

@media (max-width: 768px) {
  .legal-content-v2 { padding: 26px 22px; }
  .legal-content-v2 h2 { font-size: 19px; }
  .legal-content-v2 p, .legal-content-v2 li { font-size: 14.5px; }
  .legal-hero-v2 { padding: 36px 0 44px; }
  .article-v2-body { font-size: 15.5px; }
  .article-v2-body p:first-of-type::first-letter { font-size: 44px; }
  .article-v2-body h2 { font-size: 21px; }
  .article-v2-lede { padding: 20px 22px; }
  .article-v2-lede p { font-size: 16px; }
  .article-v2-cta { padding: 28px 24px; }
  .danke-v2 { padding: 60px 0 70px; }
  .danke-v2-steps { padding: 22px 20px; }
  .danke-v2-steps-list li { gap: 12px; }
  .danke-v2-actions { flex-direction: column; }
  .danke-v2-actions .btn-mint-lg, .danke-v2-actions .btn-ghost-lg { width: 100%; justify-content: center; }
}
@media (max-width: 700px) {
  .br-bonus {
    font-size: 11px;
    padding: 4px 10px;
  }
}

/* ============================================================
   MOBILE NAV — Modern drawer + animated hamburger
   ============================================================ */

/* Hamburger button (visible only on mobile) */
.menu-toggle {
  display: none;
  width: 42px;
  height: 42px;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  background: var(--green-25);
  border: 1px solid var(--green-100);
  border-radius: 12px;
  cursor: pointer;
  padding: 0;
  transition: all .25s ease;
  position: relative;
  z-index: 102;
}
.menu-toggle:hover { background: var(--green-100); border-color: var(--green); }
.menu-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--green-dark);
  border-radius: 2px;
  transition: transform .35s cubic-bezier(0.16, 1, 0.3, 1), opacity .2s ease;
  transform-origin: center;
}
.menu-toggle.open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.menu-toggle.open span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}
.menu-toggle.open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Backdrop overlay */
.nav-backdrop {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,58,93,0.40);
  backdrop-filter: blur(4px);
  z-index: 100;
  opacity: 0;
  transition: opacity .3s ease;
}
.nav-backdrop.show {
  display: block;
  animation: backdropIn .3s ease forwards;
}
@keyframes backdropIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

/* Body lock when drawer open */
body.menu-open {
  overflow: hidden;
}

@media (max-width: 980px) {
  .menu-toggle { display: flex; }

  /* Hide top CTA on mobile (it's inside drawer) */
  .nav-cta-wrap .nav-cta { display: none; }

  /* Drawer (right-side slide) */
  .nav-links-v2 {
    position: fixed !important;
    top: 0;
    right: -100%;
    bottom: 0;
    width: 84%;
    max-width: 340px;
    background: var(--white);
    flex-direction: column;
    padding: 80px 24px 30px;
    box-shadow: -20px 0 50px rgba(0,58,93,0.18);
    transition: right .35s cubic-bezier(0.16, 1, 0.3, 1);
    z-index: 101;
    align-items: stretch;
    display: flex !important;
    gap: 6px;
    overflow-y: auto;
  }
  .nav-links-v2.open {
    right: 0;
  }
  .nav-links-v2 a {
    padding: 14px 18px;
    font-size: 15.5px;
    border-radius: 12px;
    font-weight: 700;
    color: var(--ink);
    background: transparent;
    text-align: left;
    border: 1px solid transparent;
    display: flex;
    align-items: center;
    justify-content: space-between;
  }
  .nav-links-v2 a:hover, .nav-links-v2 a.active {
    background: var(--green-25);
    color: var(--green-dark);
    border-color: var(--green-100);
  }
  .nav-links-v2 a::after {
    content: "›";
    color: var(--green);
    font-size: 22px;
    font-weight: 400;
    opacity: 0;
    transform: translateX(-6px);
    transition: all .25s ease;
  }
  .nav-links-v2 a:hover::after, .nav-links-v2 a.active::after {
    opacity: 1;
    transform: translateX(0);
  }
  /* Drawer CTA at bottom */
  .nav-links-v2::after {
    content: "";
    flex: 1;
  }
  .nav-drawer-cta {
    display: inline-flex !important;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: var(--grad-primary);
    color: var(--white);
    padding: 14px 24px;
    border-radius: var(--r-pill);
    font-size: 14.5px;
    font-weight: 700;
    border: none;
    font-family: inherit;
    margin-top: 20px;
    cursor: pointer;
    box-shadow: 0 12px 26px rgba(0,144,227,0.30);
    text-align: center;
    text-decoration: none;
  }
  .nav-drawer-cta svg { width: 13px; height: 13px; }

  /* Drawer brand/header (logo at top) */
  .nav-drawer-header {
    display: flex !important;
    align-items: center;
    gap: 12px;
    padding-bottom: 18px;
    margin-bottom: 14px;
    border-bottom: 1px solid var(--green-50);
  }
  .nav-drawer-header img { height: 38px; }
  .nav-drawer-header .ndh-close {
    margin-left: auto;
    width: 36px;
    height: 36px;
    background: var(--green-25);
    border: 1px solid var(--green-100);
    border-radius: 50%;
    display: grid;
    place-items: center;
    font-size: 22px;
    color: var(--green-dark);
    cursor: pointer;
    transition: all .2s;
  }
  .nav-drawer-header .ndh-close:hover {
    background: var(--green);
    color: var(--white);
    transform: rotate(90deg);
  }
}

/* Hide drawer-only elements on desktop */
@media (min-width: 981px) {
  .nav-drawer-cta, .nav-drawer-header { display: none !important; }
  .nav-backdrop { display: none !important; }
}


/* ============================================================
   BANK ROW v4 — Screenshot-inspired (4 chips + trust bar)
   ============================================================ */
.bank-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.bank-row {
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: 20px;
  transition: all .3s cubic-bezier(0.16, 1, 0.3, 1);
  position: relative;
  overflow: visible;
}
.bank-row:hover {
  transform: translateY(-3px);
  box-shadow: 0 22px 50px rgba(0,58,93,0.10);
  border-color: var(--green);
}
.bank-row.featured {
  border-color: var(--green-100);
  box-shadow: 0 14px 40px rgba(0,144,227,0.10);
}

/* Featured/Sonderkontingent badge floating on top-left */
.br-featured-badge {
  position: absolute;
  top: -13px;
  left: 24px;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: var(--grad-primary);
  color: var(--white);
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 0.04em;
  box-shadow: 0 10px 22px rgba(0,144,227,0.30);
  z-index: 2;
  text-transform: capitalize;
}
.br-featured-badge svg {
  width: 13px;
  height: 13px;
  color: var(--cream);
}

/* === MAIN ROW (identity + metrics + action) === */
.br-main {
  display: grid;
  grid-template-columns: minmax(220px, 1.3fr) auto auto;
  align-items: center;
  gap: 24px;
  padding: 24px 26px;
}

/* === IDENTITY === */
.br-identity {
  display: flex;
  align-items: center;
  gap: 16px;
  min-width: 0;
}
.br-logo {
  width: 64px;
  height: 64px;
  flex-shrink: 0;
  background: var(--white);
  border: 1.5px solid var(--green-100);
  border-radius: 14px;
  display: grid;
  place-items: center;
  overflow: hidden;
  padding: 8px;
  transition: transform .3s ease;
}
.bank-row:hover .br-logo {
  transform: scale(1.05);
  border-color: var(--green);
}
.br-logo img {
  max-width: 100%;
  max-height: 100%;
  object-fit: contain;
}
.br-logo.no-img {
  background: var(--grad-primary);
  color: var(--cream);
  font-weight: 800;
  font-size: 26px;
  border: none;
  padding: 0;
}
.br-bank-info {
  min-width: 0;
  flex: 1;
}
.br-name {
  font-size: 19px;
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -0.02em;
  margin-bottom: 4px;
  line-height: 1.15;
}
.br-rating-line {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-soft);
  line-height: 1;
  margin-bottom: 6px;
}
.br-rating-line .stars {
  color: #FBBF24;
  letter-spacing: 1.5px;
  font-size: 14px;
}
.br-rating-line .rate-num {
  color: var(--text);
  font-weight: 700;
}
.br-meta-line {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  color: var(--text-soft);
  font-weight: 600;
  line-height: 1.2;
}
.br-meta-line .flag {
  font-size: 13px;
}

/* === METRICS (4 chips like screenshot) === */
.br-metrics {
  display: grid;
  grid-template-columns: repeat(4, minmax(125px, 1fr));
  gap: 12px;
}
.br-chip {
  padding: 14px 18px;
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: 14px;
  display: flex;
  flex-direction: column;
  gap: 6px;
  transition: all .25s ease;
  min-width: 0;
}
.bank-row:hover .br-chip {
  border-color: var(--green-100);
  background: var(--green-25);
}
.br-chip .label {
  font-size: 11px;
  font-weight: 700;
  color: var(--text-soft);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  line-height: 1;
}
.br-chip .value {
  font-size: 20px;
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -0.02em;
  line-height: 1.15;
  white-space: nowrap;
}
.br-chip .value small {
  font-size: 12px;
  font-weight: 700;
  color: var(--text-soft);
  margin-left: 2px;
  letter-spacing: 0;
}
.br-chip.rate {
  background: var(--green-25);
  border-color: var(--green);
  border-width: 2px;
}
.bank-row:hover .br-chip.rate {
  background: linear-gradient(135deg, var(--green-100), var(--green-25));
}
.br-chip.rate .label {
  color: var(--green-dark);
}
.br-chip.rate .value {
  color: var(--green-dark);
  font-size: 22px;
}
.br-chip.rate .value small {
  color: var(--green);
  font-weight: 800;
}
.br-chip.auto-calc {
  position: relative;
}
.br-chip.auto-calc::before {
  content: "↻";
  position: absolute;
  top: 6px;
  right: 8px;
  font-size: 9px;
  color: var(--green);
  opacity: 0.6;
  font-weight: 700;
}

/* === ACTION (CTA) === */
.br-action {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.br-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  background: var(--grad-primary);
  color: var(--white) !important;
  padding: 15px 28px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 700;
  font-family: inherit;
  cursor: pointer;
  border: none;
  transition: all .25s ease;
  box-shadow: 0 12px 28px rgba(0,144,227,0.30);
  white-space: nowrap;
  min-width: 170px;
}
.br-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 22px 50px rgba(0,144,227,0.45);
}
.br-cta svg {
  width: 14px;
  height: 14px;
  transition: transform .3s;
}
.br-cta:hover svg {
  transform: translateX(3px);
}

/* === TRUST BAR (3 info badges below main row) === */
.br-trust-bar {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  padding: 14px 26px;
  border-top: 1px solid var(--green-50);
  background: var(--green-25);
  border-radius: 0 0 18px 18px;
}
.br-trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  font-weight: 600;
  color: var(--ink-soft);
  line-height: 1.3;
  padding: 0 14px;
  border-left: 1px solid var(--green-100);
  min-width: 0;
}
.br-trust-item:first-child {
  border-left: none;
  padding-left: 0;
}
.br-trust-item:last-child {
  padding-right: 0;
}
.br-trust-item svg {
  width: 18px;
  height: 18px;
  color: var(--green-dark);
  flex-shrink: 0;
}
.br-trust-item span {
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

/* === RESPONSIVE — Bank Row v4 === */
@media (max-width: 1180px) {
  .br-main {
    grid-template-columns: minmax(200px, 1fr) auto;
    gap: 20px;
  }
  .br-metrics {
    grid-column: 1 / -1;
    grid-row: 2;
  }
  .br-action {
    grid-row: 1;
    grid-column: 2;
  }
}

@media (max-width: 900px) {
  .br-main {
    grid-template-columns: 1fr;
    gap: 18px;
    padding: 22px;
  }
  .br-metrics {
    grid-column: 1;
    grid-row: auto;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 10px;
  }
  .br-action { grid-column: 1; grid-row: auto; }
  .br-cta { width: 100%; }
  .br-trust-bar {
    padding: 14px 22px;
    gap: 12px;
  }
  .br-trust-item {
    font-size: 12px;
    padding: 0 8px;
  }
}

@media (max-width: 600px) {
  .br-name { font-size: 17px; }
  .br-logo { width: 56px; height: 56px; }
  .br-chip { padding: 12px 14px; }
  .br-chip .value { font-size: 16px; }
  .br-chip.rate .value { font-size: 18px; }
  .br-trust-bar {
    grid-template-columns: 1fr;
    gap: 8px;
    padding: 14px 18px;
  }
  .br-trust-item {
    padding: 0;
    border-left: none;
    font-size: 12.5px;
  }
  .br-featured-badge {
    left: 18px;
    font-size: 10.5px;
    padding: 5px 12px;
  }
}

/* ============================================================
   ZIPPAY-STYLE REDESIGN — Deep Forest + Bright Mint + Light Gray
   ============================================================ */

/* Base palette refinements */
body.z-theme {
  background: var(--white);
  color: var(--ink);
  font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  -webkit-font-smoothing: antialiased;
}

/* --- ANNOUNCEMENT BAR (sticky deep green) --- */
.z-announce {
  background: var(--green-deep);
  color: var(--white);
  padding: 10px 0;
  font-size: 13px;
  font-weight: 500;
}
.z-announce-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
}
.z-announce-text strong { color: var(--green-2); font-weight: 700; }
.z-announce-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--green-3);
  font-weight: 700;
  border-bottom: 1px solid rgba(179,222,247,0.40);
  padding-bottom: 1px;
}
.z-announce-link svg { width: 12px; height: 12px; }
.z-pulse {
  width: 8px;
  height: 8px;
  background: var(--green);
  border-radius: 50%;
  animation: zPulse 2s infinite;
}
@keyframes zPulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(0,144,227,0.6); }
  70% { box-shadow: 0 0 0 8px rgba(0,144,227,0); }
}

/* --- NAV (Zippay clean white sticky) --- */
.z-nav-header {
  background: var(--white);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 90;
  transition: box-shadow .3s ease;
}
.z-nav-header.scrolled {
  box-shadow: 0 4px 24px rgba(0,58,93,0.06);
}
.z-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  gap: 24px;
  min-height: 72px;
}
.z-logo img {
  height: 42px;
  width: auto;
  display: block;
}
.z-nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
}
.z-nav-links > a {
  padding: 10px 14px;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink-soft);
  border-radius: 999px;
  transition: all .2s;
}
.z-nav-links > a:hover { background: var(--green-25); color: var(--green-darker); }
.z-nav-links > a.active { color: var(--green-darker); font-weight: 700; }
.z-nav-cta-wrap {
  display: flex;
  align-items: center;
  gap: 10px;
}
.z-btn-ghost {
  background: transparent;
  border: none;
  color: var(--ink);
  padding: 10px 18px;
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  transition: color .2s;
}
.z-btn-ghost:hover { color: var(--green-darker); }
.z-btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--green);
  color: var(--ink);
  padding: 11px 22px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 700;
  border: none;
  font-family: inherit;
  cursor: pointer;
  transition: all .25s ease;
  box-shadow: 0 8px 20px rgba(0,144,227,0.30);
  white-space: nowrap;
}
.z-btn-primary:hover {
  transform: translateY(-2px);
  background: var(--green-2);
  box-shadow: 0 14px 30px rgba(0,144,227,0.45);
}
.z-btn-primary svg { width: 12px; height: 12px; transition: transform .3s; }
.z-btn-primary:hover svg { transform: translateX(3px); }

/* --- HERO — Deep Forest Green --- */
.z-hero {
  background: var(--green-deep);
  color: var(--white);
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}
.z-hero-pattern {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 30%, rgba(0,144,227,0.10), transparent 40%),
    radial-gradient(circle at 80% 70%, rgba(43,165,236,0.08), transparent 45%);
  pointer-events: none;
}
.z-hero-pattern::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='60' height='60' viewBox='0 0 60 60'><path d='M30 5 L 32 8 L 35 5 M 5 30 L 8 32 L 5 35 M 55 30 L 52 32 L 55 35 M 30 55 L 32 52 L 35 55' stroke='rgba(179,222,247,0.06)' fill='none' stroke-width='1'/></svg>");
  background-repeat: repeat;
  opacity: 0.7;
}
.z-hero > .container { position: relative; z-index: 1; }
.z-hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 60px;
  align-items: center;
}
.z-hero-text { animation: zFadeUp .8s ease; }
@keyframes zFadeUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}
.z-hero-tag {
  display: inline-flex;
  align-items: center;
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(179,222,247,0.20);
  color: var(--white);
  padding: 8px 16px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.04em;
  margin-bottom: 24px;
  backdrop-filter: blur(8px);
}
.z-hero h1 {
  font-size: clamp(38px, 5.5vw, 64px);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.04em;
  color: var(--white);
  margin: 0 0 22px;
}
.z-hero-accent {
  color: var(--green-2);
}
.z-hero-lede {
  font-size: 17px;
  color: rgba(255,255,255,0.85);
  line-height: 1.6;
  max-width: 540px;
  margin: 0 0 32px;
}
.z-hero-lede strong { color: var(--green-2); font-weight: 700; }
.z-hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}
.z-btn-primary-lg {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--green);
  color: var(--ink);
  padding: 16px 30px;
  border-radius: 999px;
  font-size: 15px;
  font-weight: 800;
  border: none;
  font-family: inherit;
  cursor: pointer;
  transition: all .25s ease;
  box-shadow: 0 12px 30px rgba(0,144,227,0.35);
}
.z-btn-primary-lg:hover {
  transform: translateY(-2px);
  background: var(--green-2);
  box-shadow: 0 18px 44px rgba(0,144,227,0.50);
}
.z-btn-primary-lg svg { width: 14px; height: 14px; transition: transform .3s; }
.z-btn-primary-lg:hover svg { transform: translateX(4px); }
.z-btn-secondary-lg {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(179,222,247,0.30);
  color: var(--white);
  padding: 16px 30px;
  border-radius: 999px;
  font-size: 15px;
  font-weight: 700;
  font-family: inherit;
  cursor: pointer;
  text-decoration: none;
  transition: all .25s;
  backdrop-filter: blur(8px);
}
.z-btn-secondary-lg:hover {
  background: rgba(179,222,247,0.10);
  border-color: var(--green-3);
}
.z-btn-on-light {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  color: var(--ink);
}
.z-btn-on-light:hover {
  background: var(--green-25);
  border-color: var(--green-100);
}
.z-btn-primary-xl {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--green);
  color: var(--ink);
  padding: 18px 38px;
  border-radius: 999px;
  font-size: 16px;
  font-weight: 800;
  border: none;
  font-family: inherit;
  cursor: pointer;
  transition: all .3s ease;
  box-shadow: 0 16px 40px rgba(0,144,227,0.40);
}
.z-btn-primary-xl:hover {
  transform: translateY(-3px);
  background: var(--green-2);
  box-shadow: 0 24px 56px rgba(0,144,227,0.55);
}
.z-btn-primary-xl svg { width: 15px; height: 15px; }

.z-hero-trust {
  display: flex;
  align-items: center;
  gap: 24px;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,0.10);
  font-size: 13px;
  color: rgba(255,255,255,0.70);
  flex-wrap: wrap;
}
.z-hero-trust strong { color: var(--white); font-weight: 700; }
.z-hero-trust-logos {
  display: flex;
  gap: 16px;
}
.z-hero-trust-logos span {
  padding: 4px 10px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: 6px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.06em;
  color: rgba(179,222,247,0.90);
}

/* HERO VISUAL — Floating cards */
.z-hero-visual {
  position: relative;
  min-height: 440px;
  animation: zFadeUp .8s ease .15s backwards;
}
.z-hero-blob {
  position: absolute;
  width: 360px;
  height: 360px;
  background: radial-gradient(circle, rgba(0,144,227,0.20), transparent 60%);
  top: 40px;
  right: -40px;
  border-radius: 50%;
  filter: blur(40px);
  z-index: 0;
}

.z-card-profile {
  position: absolute;
  top: 20px;
  right: 20px;
  background: var(--white);
  padding: 14px 18px 14px 14px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: 0 16px 40px rgba(0,58,93,0.20);
  z-index: 3;
  animation: zFloat 5s ease-in-out infinite;
}
.zcp-avatar {
  width: 40px; height: 40px;
  background: var(--green-100);
  border-radius: 50%;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  overflow: hidden;
}
.zcp-avatar svg { width: 28px; height: 28px; }
.zcp-name {
  font-weight: 800;
  font-size: 14px;
  color: var(--ink);
  display: flex;
  align-items: center;
  gap: 4px;
}
.zcp-id {
  font-size: 11.5px;
  color: var(--text-soft);
  margin-top: 2px;
  font-weight: 600;
  letter-spacing: 0.04em;
}

.z-card-bank {
  position: absolute;
  top: 130px;
  right: 80px;
  width: 280px;
  background: linear-gradient(135deg, #003A5D 0%, #005A8C 100%);
  border-radius: 18px;
  padding: 20px;
  color: var(--white);
  box-shadow: 0 24px 50px rgba(0,58,93,0.30);
  z-index: 2;
  animation: zFloat 5s ease-in-out infinite .8s;
}
.zcb-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 20px;
}
.zcb-chip svg { width: 28px; height: 21px; }
.zcb-dot {
  width: 10px; height: 10px;
  background: var(--green);
  border-radius: 50%;
  box-shadow: 0 0 0 4px rgba(0,144,227,0.20);
}
.zcb-label {
  font-size: 11.5px;
  color: var(--green-3);
  letter-spacing: 0.06em;
  font-weight: 700;
  text-transform: uppercase;
}
.zcb-balance {
  font-size: 24px;
  font-weight: 800;
  margin: 6px 0 16px;
  letter-spacing: -0.02em;
  display: flex;
  align-items: baseline;
  gap: 10px;
  flex-wrap: wrap;
}
.zcb-change {
  font-size: 12px;
  font-weight: 700;
  background: var(--green);
  color: var(--ink);
  padding: 3px 8px;
  border-radius: 999px;
  letter-spacing: 0;
}
.zcb-bottom {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding-top: 12px;
  border-top: 1px solid rgba(255,255,255,0.10);
}
.zcb-bottom span:first-child {
  font-size: 10.5px;
  color: rgba(255,255,255,0.50);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.zcb-name {
  font-size: 13px;
  font-weight: 700;
  color: var(--white);
}

.z-card-transactions {
  position: absolute;
  bottom: 0;
  right: 30px;
  width: 320px;
  background: var(--white);
  border-radius: 16px;
  padding: 18px;
  box-shadow: 0 24px 50px rgba(0,58,93,0.18);
  z-index: 3;
  animation: zFloat 5s ease-in-out infinite 1.6s;
}
.zct-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 14px;
}
.zct-title {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  font-weight: 800;
  color: var(--ink);
}
.zct-title svg { width: 16px; height: 16px; color: var(--green-darker); }
.zct-more {
  font-size: 11.5px;
  font-weight: 700;
  color: var(--green-darker);
  border-bottom: 1px solid var(--green-100);
  padding-bottom: 1px;
}
.zct-list { display: flex; flex-direction: column; gap: 8px; }
.zct-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px;
  background: var(--green-25);
  border-radius: 10px;
}
.zct-name {
  font-size: 12.5px;
  font-weight: 700;
  color: var(--ink);
}
.zct-date {
  font-size: 10.5px;
  color: var(--text-soft);
  margin-top: 2px;
  font-weight: 600;
}
.zct-amount {
  font-size: 13.5px;
  font-weight: 800;
  color: var(--green-darker);
  letter-spacing: -0.01em;
}

@keyframes zFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

/* --- PARTNERS BAR --- */
.z-partners {
  background: var(--bg-soft);
  padding: 40px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.z-partners-label {
  text-align: center;
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--text-soft);
  text-transform: uppercase;
  margin: 0 0 22px;
}
.z-partners-row {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 22px;
  flex-wrap: wrap;
}
.z-partner {
  font-size: 16px;
  font-weight: 700;
  color: var(--text);
  letter-spacing: -0.01em;
  opacity: 0.65;
  transition: opacity .2s;
}
.z-partner:hover { opacity: 1; color: var(--green-darker); }
.z-partner-dot {
  width: 4px;
  height: 4px;
  background: var(--muted-2);
  border-radius: 50%;
}

/* --- SECTION HEADS --- */
.z-features { padding: 100px 0; background: var(--white); }
.z-sec-head {
  text-align: center;
  max-width: 660px;
  margin: 0 auto 64px;
}
.z-sec-head-dark { color: var(--white); }
.z-sec-head-dark h2, .z-sec-head-dark p { color: var(--white); }
.z-sec-head-dark p { color: rgba(255,255,255,0.75); }
.z-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 700;
  color: var(--green-darker);
  background: var(--green-25);
  border: 1px solid var(--green-100);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 18px;
  letter-spacing: 0.02em;
}
.z-eyebrow-on-dark {
  color: var(--white);
  background: rgba(255,255,255,0.06);
  border-color: rgba(179,222,247,0.20);
}
.z-eyebrow-dot {
  width: 6px;
  height: 6px;
  background: var(--green);
  border-radius: 50%;
}
.z-sec-head h2 {
  font-size: clamp(30px, 4.5vw, 48px);
  line-height: 1.08;
  letter-spacing: -0.03em;
  font-weight: 800;
  color: var(--ink);
  margin: 0 0 16px;
}
.z-sec-head p {
  font-size: 16.5px;
  color: var(--text);
  line-height: 1.6;
  margin: 0;
}

/* --- FEATURES GRID --- */
.z-features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.z-feature-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 32px 28px;
  transition: all .3s ease;
}
.z-feature-card:hover {
  transform: translateY(-5px);
  border-color: var(--green);
  box-shadow: 0 22px 50px rgba(0,58,93,0.10);
}
.zf-icon {
  width: 56px; height: 56px;
  background: var(--green-25);
  border: 1px solid var(--green-100);
  border-radius: 16px;
  display: grid;
  place-items: center;
  color: var(--green-darker);
  margin-bottom: 22px;
  transition: all .3s;
}
.z-feature-card:hover .zf-icon {
  background: var(--green);
  color: var(--white);
  border-color: var(--green);
}
.zf-icon svg { width: 26px; height: 26px; }
.z-feature-card h3 {
  font-size: 19px;
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -0.02em;
  margin: 0 0 10px;
}
.z-feature-card p {
  font-size: 14.5px;
  color: var(--text);
  line-height: 1.6;
  margin: 0;
}

/* --- BIG FEATURE (Set Limits tarzı) --- */
.z-big-feature { padding: 100px 0; background: var(--bg-soft); }
.z-big-feature-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.z-big-feature-text h2 {
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.03em;
  color: var(--ink);
  margin: 12px 0 18px;
}
.z-big-feature-text p {
  font-size: 16px;
  color: var(--text);
  line-height: 1.65;
  margin: 0 0 26px;
  max-width: 460px;
}
.z-big-feature-list {
  list-style: none;
  padding: 0;
  margin: 0 0 32px;
}
.z-big-feature-list li {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 10px 0;
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
}
.zbfl-check {
  width: 26px; height: 26px;
  background: var(--green);
  color: var(--white);
  border-radius: 50%;
  display: grid; place-items: center;
  flex-shrink: 0;
}
.zbfl-check svg { width: 13px; height: 13px; }

/* Spending card (Big feature visual) */
.z-big-feature-visual {
  position: relative;
}
.z-spending-card {
  background: var(--white);
  border-radius: 22px;
  padding: 26px;
  box-shadow: 0 24px 60px rgba(0,58,93,0.10);
  border: 1px solid var(--line);
  position: relative;
}
.zspc-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 22px;
}
.zspc-label {
  font-size: 11.5px;
  font-weight: 700;
  color: var(--text-soft);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 4px;
}
.zspc-value {
  font-size: 26px;
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -0.02em;
}
.zspc-period {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--bg-soft);
  border: 1px solid var(--line);
  padding: 6px 10px;
  border-radius: 8px;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--text);
}
.zspc-period svg { width: 12px; height: 12px; }
.zspc-chart {
  display: flex;
  align-items: flex-end;
  gap: 6px;
  height: 140px;
  padding-bottom: 6px;
  margin-bottom: 10px;
}
.zspc-bar {
  flex: 1;
  background: var(--green-100);
  border-radius: 4px 4px 0 0;
  position: relative;
  transition: all .3s;
}
.zspc-bar.active {
  background: var(--green);
}
.zspc-pop {
  position: absolute;
  top: -28px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--ink);
  color: var(--white);
  font-size: 10.5px;
  font-weight: 700;
  padding: 4px 8px;
  border-radius: 6px;
  white-space: nowrap;
}
.zspc-pop::after {
  content: "";
  position: absolute;
  bottom: -4px;
  left: 50%;
  transform: translateX(-50%) rotate(45deg);
  width: 6px;
  height: 6px;
  background: var(--ink);
}
.zspc-labels {
  display: flex;
  justify-content: space-between;
  font-size: 10.5px;
  color: var(--text-soft);
  font-weight: 600;
}

.z-mini-card {
  background: var(--white);
  border-radius: 16px;
  padding: 18px;
  box-shadow: 0 16px 40px rgba(0,58,93,0.08);
  border: 1px solid var(--line);
  display: flex;
  gap: 14px;
  margin-top: 20px;
}
.zmc-icon {
  width: 44px; height: 44px;
  background: var(--green-25);
  border-radius: 12px;
  display: grid; place-items: center;
  color: var(--green-darker);
  flex-shrink: 0;
}
.zmc-icon svg { width: 22px; height: 22px; }
.zmc-label {
  font-size: 11.5px;
  font-weight: 700;
  color: var(--text-soft);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.zmc-value {
  font-size: 18px;
  font-weight: 800;
  color: var(--green-darker);
  margin: 4px 0 8px;
  letter-spacing: -0.02em;
}
.zmc-bar {
  height: 6px;
  background: var(--green-25);
  border-radius: 3px;
  overflow: hidden;
}
.zmc-bar span {
  display: block;
  height: 100%;
  background: var(--green);
  border-radius: 3px;
}

/* --- PROCESS (Deep green section) --- */
.z-process {
  padding: 100px 0;
  background: var(--green-deep);
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.z-process::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 80%, rgba(0,144,227,0.10), transparent 40%),
    radial-gradient(circle at 80% 20%, rgba(43,165,236,0.08), transparent 50%);
  pointer-events: none;
}
.z-process > .container { position: relative; z-index: 1; }
.z-process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  position: relative;
}
.z-process-step {
  position: relative;
  padding: 32px 28px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(179,222,247,0.15);
  border-radius: 20px;
  backdrop-filter: blur(8px);
  transition: all .3s;
}
.z-process-step:hover {
  background: rgba(255,255,255,0.06);
  border-color: var(--green);
  transform: translateY(-5px);
}
.zps-num {
  font-size: 14px;
  font-weight: 800;
  color: var(--green-2);
  letter-spacing: 0.08em;
  margin-bottom: 16px;
}
.z-process-step h3 {
  font-size: 22px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
  margin: 0 0 12px;
}
.z-process-step p {
  font-size: 14.5px;
  color: rgba(255,255,255,0.75);
  line-height: 1.6;
  margin: 0;
}
.zps-arrow {
  position: absolute;
  top: 50%;
  right: -28px;
  width: 56px;
  height: 20px;
  color: var(--green-2);
  opacity: 0.4;
  transform: translateY(-50%);
}
.zps-arrow svg { width: 100%; height: 100%; }

/* --- STATS (mini bar on light) --- */
.z-stats {
  background: var(--white);
  padding: 70px 0;
  border-bottom: 1px solid var(--line);
}
.z-stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.z-stat {
  text-align: center;
  padding: 16px;
}
.z-stat-num {
  font-size: 42px;
  font-weight: 800;
  color: var(--green-darker);
  letter-spacing: -0.04em;
  line-height: 1;
  margin-bottom: 12px;
}
.z-stat-num span {
  font-size: 18px;
  color: var(--green);
  margin-left: 4px;
}
.z-stat-lbl {
  font-size: 13.5px;
  font-weight: 700;
  color: var(--text);
  letter-spacing: -0.01em;
}

/* --- TESTIMONIALS --- */
.z-testimonials { padding: 100px 0; background: var(--white); }
.z-testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.z-testimonial-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 28px;
  transition: all .3s;
}
.z-testimonial-card:hover {
  border-color: var(--green-100);
  box-shadow: 0 16px 40px rgba(0,58,93,0.08);
  transform: translateY(-3px);
}
.ztc-stars {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 18px;
}
.ztc-rating {
  font-weight: 800;
  color: var(--ink);
  font-size: 14px;
}
.ztc-stars-text {
  color: var(--green);
  letter-spacing: 2px;
  font-size: 13px;
}
.z-testimonial-card p {
  font-size: 15px;
  line-height: 1.65;
  color: var(--text);
  margin: 0 0 22px;
}
.z-testimonial-card strong { color: var(--ink); font-weight: 700; }
.ztc-author {
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 18px;
  border-top: 1px solid var(--line-soft);
}
.ztc-avatar {
  width: 42px; height: 42px;
  background: var(--green);
  color: var(--ink);
  border-radius: 50%;
  display: grid; place-items: center;
  font-weight: 800;
  font-size: 13px;
  flex-shrink: 0;
}
.ztc-name {
  font-size: 13.5px;
  font-weight: 800;
  color: var(--ink);
}
.ztc-role {
  font-size: 11.5px;
  color: var(--text-soft);
  font-weight: 600;
  margin-top: 2px;
}

/* --- BLOG (Zippay grid) --- */
.z-blog { padding: 100px 0; background: var(--bg-soft); }
.z-blog-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  grid-template-rows: auto auto;
  gap: 22px;
}
.z-blog-card-feature {
  grid-row: span 2;
}
.z-blog-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 18px;
  overflow: hidden;
  transition: all .3s;
  display: flex;
  flex-direction: column;
}
.z-blog-card:hover {
  border-color: var(--green);
  box-shadow: 0 18px 44px rgba(0,58,93,0.10);
  transform: translateY(-4px);
}
.zbc-thumb {
  height: 180px;
  position: relative;
  overflow: hidden;
}
.zbc-thumb-grad {
  background: linear-gradient(135deg, #003A5D 0%, #0090E3 100%);
  height: 220px;
}
.z-blog-card-feature .zbc-thumb { height: 240px; }
.zbc-tag {
  position: absolute;
  top: 18px;
  left: 18px;
  padding: 6px 12px;
  background: var(--white);
  color: var(--green-darker);
  border-radius: 999px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.zbc-body {
  padding: 22px 24px 24px;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.zbc-meta {
  font-size: 11.5px;
  font-weight: 700;
  color: var(--text-soft);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.z-blog-card-feature h3 {
  font-size: 24px;
  line-height: 1.2;
}
.zbc-body h3 {
  font-size: 16px;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 0 0 12px;
  line-height: 1.3;
}
.zbc-body p {
  font-size: 14px;
  color: var(--text);
  line-height: 1.6;
  margin: 0 0 16px;
  flex: 1;
}
.zbc-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 800;
  color: var(--green-darker);
  margin-top: auto;
}
.zbc-link svg { width: 12px; height: 12px; transition: transform .25s; }
.zbc-link:hover svg { transform: translateX(3px); }
.zbc-link-small {
  font-size: 12.5px;
  font-weight: 800;
  color: var(--green-darker);
  margin-top: auto;
}

/* --- FAQ V2 --- */
.z-faq { padding: 100px 0; background: var(--white); }
.z-faq-list {
  max-width: 740px;
  margin: 0 auto;
}
.z-faq details {
  background: var(--bg-soft);
  border: 1px solid var(--line);
  border-radius: 14px;
  margin-bottom: 10px;
  transition: all .25s;
}
.z-faq details[open] {
  border-color: var(--green);
  background: var(--green-25);
  box-shadow: 0 14px 32px rgba(0,58,93,0.06);
}
.z-faq summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  cursor: pointer;
  list-style: none;
  font-size: 15.5px;
  font-weight: 700;
  color: var(--ink);
  gap: 14px;
}
.z-faq summary::-webkit-details-marker { display: none; }
.z-faq-icon {
  width: 32px; height: 32px;
  background: var(--white);
  border: 1px solid var(--line);
  color: var(--green-darker);
  border-radius: 50%;
  display: grid; place-items: center;
  font-size: 18px;
  font-weight: 600;
  transition: all .3s;
  flex-shrink: 0;
}
.z-faq details[open] .z-faq-icon {
  background: var(--green);
  color: var(--ink);
  border-color: var(--green);
  transform: rotate(45deg);
}
.z-faq details > div { padding: 0 24px 22px; font-size: 14.5px; line-height: 1.7; color: var(--text); }
.z-faq details > div strong { color: var(--green-darker); font-weight: 800; }

/* --- FINAL CTA --- */
.z-final-cta {
  background: var(--green-deep);
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}
.z-final-cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 80% 30%, rgba(0,144,227,0.15), transparent 50%),
    radial-gradient(circle at 20% 70%, rgba(43,165,236,0.10), transparent 50%);
}
.z-final-cta-wrap {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 760px;
  margin: 0 auto;
}
.z-final-cta-wrap h2 {
  font-size: clamp(32px, 5vw, 56px);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.04em;
  color: var(--white);
  margin: 14px 0 18px;
}
.z-final-cta-accent { color: var(--green-2); }
.z-final-cta-wrap p {
  font-size: 17px;
  color: rgba(255,255,255,0.80);
  margin: 0 0 36px;
}
.z-final-cta-actions {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}
.z-mailto {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--green-3);
  font-size: 14.5px;
  font-weight: 700;
  border-bottom: 1px solid rgba(179,222,247,0.40);
  padding-bottom: 2px;
}
.z-mailto svg { width: 16px; height: 16px; }
.z-mailto:hover { color: var(--white); border-color: var(--white); }

/* --- FOOTER (Zippay-style) --- */
.z-footer {
  background: var(--ink);
  color: rgba(255,255,255,0.65);
  padding: 80px 0 30px;
}
.z-footer-top {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 60px;
  padding-bottom: 50px;
  border-bottom: 1px solid rgba(255,255,255,0.10);
}
.z-footer-brand img { height: 44px; }
.z-footer-brand p {
  font-size: 14px;
  color: rgba(255,255,255,0.65);
  line-height: 1.6;
  margin: 22px 0 24px;
  max-width: 340px;
}
.z-footer-social {
  display: flex;
  gap: 10px;
}
.z-footer-social a {
  width: 40px; height: 40px;
  background: rgba(255,255,255,0.06);
  color: rgba(255,255,255,0.70);
  border-radius: 10px;
  display: grid; place-items: center;
  transition: all .25s;
}
.z-footer-social a:hover {
  background: var(--green);
  color: var(--ink);
  transform: translateY(-3px);
}
.z-footer-social svg { width: 16px; height: 16px; }
.z-footer-cols {
  display: grid;
  grid-template-columns: 1fr 1fr 1.3fr;
  gap: 32px;
}
.z-footer-col h4 {
  color: var(--white);
  font-size: 14px;
  font-weight: 800;
  margin: 0 0 18px;
  letter-spacing: 0.02em;
}
.z-footer-col ul { list-style: none; padding: 0; margin: 0; }
.z-footer-col li { margin-bottom: 10px; font-size: 13.5px; }
.z-footer-col a {
  color: rgba(255,255,255,0.65);
  transition: all .2s;
}
.z-footer-col a:hover { color: var(--green-2); padding-left: 4px; }
.z-footer-contact li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  line-height: 1.55;
  margin-bottom: 14px;
}
.z-footer-contact svg {
  width: 16px; height: 16px;
  color: var(--green-2);
  flex-shrink: 0;
  margin-top: 2px;
}
.z-footer-contact a:hover { padding-left: 0; }
.z-footer-newsletter {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
  padding: 36px 0;
  border-bottom: 1px solid rgba(255,255,255,0.10);
}
.z-footer-newsletter-text h3 {
  color: var(--white);
  font-size: 22px;
  letter-spacing: -0.02em;
  margin: 0 0 6px;
}
.z-footer-newsletter-text p {
  margin: 0;
  font-size: 14px;
  color: rgba(255,255,255,0.65);
}
.z-footer-newsletter-form {
  display: flex;
  gap: 0;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.10);
  padding: 6px 6px 6px 20px;
  border-radius: 999px;
  align-items: center;
}
.z-footer-newsletter-form input {
  flex: 1;
  background: transparent;
  border: none;
  color: var(--white);
  font-size: 14px;
  font-family: inherit;
  padding: 12px 0;
  outline: none;
  min-width: 0;
}
.z-footer-newsletter-form input::placeholder { color: rgba(255,255,255,0.40); }
.z-footer-newsletter-form button {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--green);
  color: var(--ink);
  border: none;
  padding: 12px 24px;
  border-radius: 999px;
  font-size: 13.5px;
  font-weight: 700;
  font-family: inherit;
  cursor: pointer;
  white-space: nowrap;
  transition: all .25s;
}
.z-footer-newsletter-form button:hover { background: var(--green-2); }
.z-footer-newsletter-form button svg { width: 12px; height: 12px; }

.z-footer-bottom {
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  font-size: 12.5px;
  color: rgba(255,255,255,0.45);
}

/* ============================================================
   RESPONSIVE — Zippay redesign
   ============================================================ */

@media (max-width: 1100px) {
  .z-hero-grid { grid-template-columns: 1fr; gap: 50px; }
  .z-hero-visual { min-height: 380px; max-width: 460px; margin: 0 auto; }
  .z-card-bank { right: 30px; width: 250px; }
  .z-card-transactions { width: 290px; right: 10px; }
  .z-features-grid { grid-template-columns: repeat(2, 1fr); }
  .z-big-feature-grid { grid-template-columns: 1fr; gap: 50px; }
  .z-testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .z-blog-grid { grid-template-columns: 1fr 1fr; }
  .z-blog-card-feature { grid-row: span 1; grid-column: span 2; }
  .z-footer-top { grid-template-columns: 1fr; gap: 40px; }
  .z-process-grid { grid-template-columns: 1fr; gap: 20px; }
  .zps-arrow { display: none; }
  .z-stats-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 980px) {
  .z-nav-links { display: none; }
  .z-nav-cta-wrap .z-btn-ghost { display: none; }
  .z-nav-cta-wrap .z-btn-primary { display: none; }
  .menu-toggle { display: flex; }
  .z-hero { padding: 50px 0 70px; }
  .z-features, .z-big-feature, .z-testimonials, .z-blog, .z-faq, .z-final-cta, .z-process { padding: 70px 0; }
  .z-sec-head { margin-bottom: 44px; }
  .z-hero-trust { flex-direction: column; align-items: flex-start; gap: 14px; }
  .z-hero-trust-logos { flex-wrap: wrap; }
  .z-footer-newsletter { grid-template-columns: 1fr; gap: 20px; }
  .z-footer-bottom { flex-direction: column; text-align: center; }
}

@media (max-width: 768px) {
  .z-announce-row { font-size: 11.5px; gap: 8px; }
  .z-announce-link { font-size: 12px; }
  .z-features-grid { grid-template-columns: 1fr; }
  .z-testimonials-grid { grid-template-columns: 1fr; }
  .z-blog-grid { grid-template-columns: 1fr; }
  .z-blog-card-feature { grid-column: span 1; }
  .z-stats-grid { grid-template-columns: repeat(2, 1fr); gap: 14px; }
  .z-stat { padding: 12px 8px; }
  .z-stat-num { font-size: 32px; }
  .z-stat-num span { font-size: 14px; }
  .z-footer-cols { grid-template-columns: 1fr; gap: 24px; }
  .z-footer-newsletter-form { flex-direction: column; padding: 14px; gap: 10px; }
  .z-footer-newsletter-form input { background: rgba(255,255,255,0.06); padding: 12px 16px; border-radius: 999px; }
  .z-footer-newsletter-form button { width: 100%; justify-content: center; }
  .z-hero-actions, .z-final-cta-actions { flex-direction: column; align-items: stretch; }
  .z-btn-primary-lg, .z-btn-secondary-lg, .z-btn-primary-xl { width: 100%; justify-content: center; }
  .z-final-cta-actions .z-mailto { justify-content: center; }
  .z-hero-visual { min-height: 360px; }
  .z-card-bank { width: 220px; right: 20px; top: 110px; }
  .z-card-transactions { width: 260px; right: 10px; }
  .z-card-profile { right: 10px; }
  .z-process-step { padding: 26px 22px; }
}

@media (max-width: 480px) {
  .z-hero h1 { font-size: clamp(28px, 9vw, 38px); }
  .z-hero-lede { font-size: 15px; }
  .z-hero-visual { transform: scale(0.85); transform-origin: top center; }
  .z-feature-card { padding: 26px 22px; }
  .z-testimonial-card { padding: 22px 20px; }
}

/* ============================================================
   FIXES — Process başlığı + Mobil menü drawer + Mobil hero
   ============================================================ */

/* FIX 1: Process section başlığı beyaz olsun (koyu zeminde koyu yazı görünmüyordu) */
.z-process .z-sec-head h2,
.z-sec-head-dark h2 {
  color: #FFFFFF !important;
}
.z-process .z-sec-head p,
.z-sec-head-dark p {
  color: rgba(255, 255, 255, 0.78) !important;
}

/* Final CTA aynı şekilde beyaz başlık */
.z-final-cta .z-sec-head h2 { color: #FFFFFF !important; }
.z-final-cta .z-sec-head p { color: rgba(255, 255, 255, 0.78) !important; }

/* ============================================================
   FIX 2: Z-NAV-LINKS MOBİL DRAWER (yeni Zippay nav için)
   ============================================================ */

@media (max-width: 980px) {
  /* Z-nav drawer — sağdan kayan menü */
  .z-nav-links {
    position: fixed !important;
    top: 0;
    right: 0;
    bottom: 0;
    width: 84%;
    max-width: 340px;
    background: var(--white);
    flex-direction: column;
    padding: 24px 22px 30px;
    box-shadow: -20px 0 50px rgba(0, 58, 93, 0.18);
    /* transform statt right: verursacht KEINEN horizontalen Überlauf */
    transform: translateX(100%);
    transition: transform .35s cubic-bezier(0.16, 1, 0.3, 1);
    z-index: 101;
    align-items: stretch;
    display: flex !important;
    gap: 4px;
    overflow-y: auto;
    overscroll-behavior: contain;
  }
  .z-nav-links.open {
    transform: translateX(0);
  }
  .z-nav-links > a {
    padding: 14px 18px;
    font-size: 15.5px;
    border-radius: 12px;
    font-weight: 700;
    color: var(--ink) !important;
    text-align: left;
    border: 1px solid transparent;
    display: flex !important;
    align-items: center;
    justify-content: space-between;
    background: transparent;
    text-decoration: none;
  }
  .z-nav-links > a:hover,
  .z-nav-links > a.active {
    background: var(--green-25) !important;
    color: var(--green-darker) !important;
    border-color: var(--green-100);
  }
  .z-nav-links > a::after {
    content: "›";
    color: var(--green);
    font-size: 22px;
    font-weight: 400;
    opacity: 0.5;
  }
  /* Drawer içindeki CTA da göster (eski .nav-drawer-cta için override) */
  .z-nav-links .nav-drawer-cta {
    display: inline-flex !important;
    align-items: center;
    justify-content: center;
    gap: 8px;
    background: linear-gradient(135deg, #0090E3 0%, #2BA5EC 100%);
    color: var(--ink) !important;
    padding: 14px 24px;
    border-radius: 999px;
    font-size: 14.5px;
    font-weight: 800;
    border: none;
    font-family: inherit;
    margin-top: 18px;
    cursor: pointer;
    box-shadow: 0 12px 26px rgba(0, 144, 227, 0.30);
    text-align: center;
    text-decoration: none;
  }
  .z-nav-links .nav-drawer-cta::after { display: none; }
  .z-nav-links .nav-drawer-cta svg {
    width: 13px;
    height: 13px;
  }
  /* Drawer header (logo + close button) */
  .z-nav-links .nav-drawer-header {
    display: flex !important;
    align-items: center;
    gap: 12px;
    padding-bottom: 18px;
    margin-bottom: 14px;
    border-bottom: 1px solid var(--line-soft);
  }
  .z-nav-links .nav-drawer-header img { height: 38px; width: auto; }
  .z-nav-links .nav-drawer-header::after { display: none; }
  .z-nav-links .nav-drawer-header .ndh-close {
    margin-left: auto;
    width: 36px;
    height: 36px;
    background: var(--green-25);
    border: 1px solid var(--green-100);
    border-radius: 50%;
    display: grid;
    place-items: center;
    font-size: 22px;
    color: var(--green-darker);
    cursor: pointer;
    transition: all .2s;
    font-family: inherit;
    line-height: 1;
    padding: 0;
  }
  .z-nav-links .nav-drawer-header .ndh-close:hover {
    background: var(--green);
    color: var(--ink);
    transform: rotate(90deg);
  }
}

/* Hide drawer-only elements on desktop */
@media (min-width: 981px) {
  .z-nav-links .nav-drawer-header,
  .z-nav-links .nav-drawer-cta {
    display: none !important;
  }
}

/* ============================================================
   FIX 3: HERO FLOATING CARDS — Mobile (stack natural flow)
   ============================================================ */

@media (max-width: 980px) {
  /* Hero visual'i normal akışa al, floating cards artık absolute değil */
  .z-hero-visual {
    position: relative;
    min-height: auto;
    max-width: 100%;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 16px;
    align-items: stretch;
    padding: 0;
  }
  .z-hero-blob {
    display: none;
  }
  /* Tüm kartlar normal flow, sıralı stack */
  .z-card-profile,
  .z-card-bank,
  .z-card-transactions {
    position: relative !important;
    top: auto !important;
    right: auto !important;
    bottom: auto !important;
    left: auto !important;
    width: 100% !important;
    max-width: 420px;
    margin: 0 auto;
    animation: none;
  }
  /* Bank card mobilde daha kompakt */
  .z-card-bank {
    padding: 18px;
  }
  .zcb-balance {
    font-size: 22px;
  }
  /* Hero text mobile'da center */
  .z-hero-text {
    text-align: center;
  }
  .z-hero-lede {
    margin-left: auto;
    margin-right: auto;
  }
  .z-hero-actions {
    justify-content: center;
  }
  .z-hero-trust {
    justify-content: center;
    align-items: center !important;
    text-align: center;
  }
  .z-hero-trust-logos {
    justify-content: center;
  }
}

@media (max-width: 480px) {
  /* Scale yok artık — natural sizing */
  .z-hero-visual {
    transform: none !important;
  }
  .z-hero {
    padding: 40px 0 50px;
  }
  .z-card-profile {
    padding: 12px 16px 12px 12px;
  }
  .zcp-name { font-size: 13px; }
  .zcp-id { font-size: 11px; }
}

/* ============================================================
   GENEL MOBİL UYUMLULUK İYİLEŞTİRMELERİ (extra safety)
   ============================================================ */

@media (max-width: 980px) {
  /* Container padding mobilde daha sıkı */
  .container {
    padding-left: 18px;
    padding-right: 18px;
  }
  /* Section padding sıkıştır */
  .z-features,
  .z-big-feature,
  .z-testimonials,
  .z-blog,
  .z-faq,
  .z-final-cta,
  .z-process,
  .banks-section-v2 {
    padding: 60px 0;
  }
  /* Process steps mobilde daha az gap */
  .z-process-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  .z-process-step {
    padding: 26px 22px;
  }
  /* Section heading mobilde daha küçük */
  .z-sec-head {
    margin-bottom: 36px;
    padding: 0 8px;
  }
  .z-sec-head h2 {
    font-size: clamp(26px, 6vw, 36px);
  }
  .z-sec-head p {
    font-size: 15px;
  }
  /* Trust badges hero mobile */
  .z-hero-trust-logos span {
    padding: 4px 8px;
    font-size: 10.5px;
  }
}

@media (max-width: 600px) {
  /* Stats 2x2 grid mobile'da */
  .z-stats-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
  }
  .z-stat { padding: 10px 6px; }
  .z-stat-num { font-size: 28px; }
  .z-stat-num span { font-size: 13px; margin-left: 2px; }
  .z-stat-lbl { font-size: 12px; }

  /* Announcement bar mobilde küçült */
  .z-announce {
    padding: 8px 0;
    font-size: 11.5px;
  }
  .z-announce-row {
    gap: 8px;
  }
  .z-announce-text {
    font-size: 11.5px;
  }
  .z-announce-link {
    font-size: 11.5px;
  }
  .z-announce-link svg {
    width: 10px;
    height: 10px;
  }

  /* Nav mobilde daha kompakt */
  .z-nav {
    min-height: 60px;
    padding: 12px 0;
    gap: 12px;
  }
  .z-logo img { height: 36px; }

  /* Cookie banner mobilde tam genişlik */
  .cookie-banner {
    left: 12px !important;
    right: 12px !important;
    bottom: 12px !important;
    max-width: none !important;
  }

  /* Modal padding mobilde küçük */
  .popup-card,
  .bm-card {
    padding: 26px 22px !important;
    max-height: 92vh;
    overflow-y: auto;
  }
  .popup-card h3,
  .bm-card h3 {
    font-size: 20px;
  }

  /* Form row mobilde tek sütun */
  .form-row {
    grid-template-columns: 1fr !important;
    gap: 12px !important;
  }

  /* Footer newsletter input mobilde */
  .z-footer { padding: 60px 0 24px; }
  .z-footer-top { padding-bottom: 36px; gap: 32px; }
  .z-footer-brand img { height: 40px; }

  /* Compliance bar mobilde */
  .compliance-bar .row {
    flex-direction: column !important;
    text-align: center;
    gap: 14px !important;
  }
  .compliance-bar .links {
    justify-content: center;
    flex-wrap: wrap;
  }
}

/* ============================================================
   COOLBLUE ACCENT LAYER — Orange CTA (overrides only, non-structural)
   Blue brand (#0090E3) + Coolblue orange CTA (#FF8200). White text = AA contrast.
   ============================================================ */
:root {
  --cta-orange:        #FF8200;
  --cta-orange-dark:   #E67000;
  --cta-orange-soft:   #FFF1E3;
  --cta-orange-shadow: rgba(255,130,0,0.34);
}

/* Primary call-to-action buttons → Coolblue orange, white label */
.z-btn-primary,
.z-btn-primary-lg,
.nav-drawer-cta {
  background: var(--cta-orange) !important;
  background-image: linear-gradient(135deg, #FF8E1A 0%, #FF8200 100%) !important;
  color: #FFFFFF !important;
  box-shadow: 0 8px 22px var(--cta-orange-shadow) !important;
}
.z-btn-primary:hover,
.z-btn-primary-lg:hover,
.nav-drawer-cta:hover {
  background: var(--cta-orange-dark) !important;
  background-image: linear-gradient(135deg, #FF8200 0%, #E67000 100%) !important;
  color: #FFFFFF !important;
  box-shadow: 0 12px 28px var(--cta-orange-shadow) !important;
  transform: translateY(-1px);
}
.z-btn-primary svg,
.z-btn-primary-lg svg,
.nav-drawer-cta svg { stroke: #FFFFFF; color: #FFFFFF; }

/* Keep white/ghost buttons readable on light backgrounds */
.z-btn-ghost { color: var(--green-dark); }
.z-btn-ghost:hover { background: var(--cta-orange-soft); color: var(--cta-orange-dark); }

/* ============================================================
   DESIGN POLISH LAYER — FestgeldWahl
   Nur visuelle Verfeinerung: Schatten, Übergänge, Fokus, Tiefe.
   Keine Layout-/Struktur-Änderungen.
   ============================================================ */

/* ---------- 1. Verfeinerte Schatten (mehrschichtig, weicher) ---------- */
:root {
  --sh-1: 0 1px 2px rgba(0,58,93,.06), 0 1px 3px rgba(0,58,93,.04);
  --sh-2: 0 2px 4px rgba(0,58,93,.05), 0 4px 12px rgba(0,58,93,.06);
  --sh-3: 0 4px 8px rgba(0,58,93,.05), 0 12px 28px rgba(0,58,93,.08);
  --sh-4: 0 8px 16px rgba(0,58,93,.06), 0 24px 48px rgba(0,58,93,.12);
  --ease: cubic-bezier(.4,0,.2,1);
  --ease-out: cubic-bezier(.16,1,.3,1);
}

/* ---------- 2. Typografie-Feinschliff ---------- */
body { text-rendering: optimizeLegibility; -moz-osx-font-smoothing: grayscale; }
h1 { letter-spacing: -.035em; }
h2 { letter-spacing: -.028em; }
h3 { letter-spacing: -.02em; }
p  { text-wrap: pretty; }
h1, h2, h3 { text-wrap: balance; }

/* Zahlen tabellarisch ausrichten (Zinssätze, Beträge) */
.z-bank-rate, .rt-val, .stat-card .num, .metric-value,
[class*="rate"], [class*="betrag"], [class*="zins"] {
  font-variant-numeric: tabular-nums;
  font-feature-settings: "tnum" 1;
}

/* ---------- 3. Karten: sanfteres Anheben beim Hover ---------- */
.feature-card, .z-bank-card, .stat-card, .blog-card,
.process-step, .faq-item, .z-float-card {
  transition: transform .45s var(--ease-out),
              box-shadow .45s var(--ease-out),
              border-color .3s var(--ease);
  will-change: transform;
}
.feature-card:hover, .z-bank-card:hover, .blog-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--sh-4);
  border-color: rgba(0,144,227,.28);
}

/* ---------- 4. Buttons: Pfeil gleitet, Tiefe beim Klick ---------- */
.z-btn-primary, .z-btn-primary-lg, .z-btn-secondary-lg, .nav-drawer-cta {
  transition: transform .25s var(--ease-out),
              box-shadow .25s var(--ease-out),
              background-color .2s var(--ease);
}
.z-btn-primary svg, .z-btn-primary-lg svg, .nav-drawer-cta svg {
  transition: transform .3s var(--ease-out);
}
.z-btn-primary:hover svg, .z-btn-primary-lg:hover svg, .nav-drawer-cta:hover svg {
  transform: translateX(3px);
}
.z-btn-primary:active, .z-btn-primary-lg:active, .nav-drawer-cta:active {
  transform: translateY(1px) scale(.99);
}

/* ---------- 5. Sichtbarer Fokus (Barrierefreiheit + Sicherheit) ---------- */
a:focus-visible, button:focus-visible,
input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid rgba(0,144,227,.55);
  outline-offset: 2px;
  border-radius: 6px;
}
.z-btn-primary:focus-visible, .z-btn-primary-lg:focus-visible, .nav-drawer-cta:focus-visible {
  outline: 3px solid rgba(255,130,0,.6);
  outline-offset: 3px;
}

/* ---------- 6. Formularfelder: ruhiger Fokus-Ring ---------- */
input:not([type=checkbox]):not([type=radio]), select, textarea {
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease), background-color .2s var(--ease);
}
input:not([type=checkbox]):not([type=radio]):focus, select:focus, textarea:focus {
  border-color: #0090E3;
  box-shadow: 0 0 0 4px rgba(0,144,227,.14);
}

/* ---------- 7. Navigation: feine Unterstreichung ---------- */
.z-nav-links > a { position: relative; transition: color .22s var(--ease); }
.z-nav-links > a::after {
  content: "";
  position: absolute;
  left: 0; bottom: -5px;
  width: 0; height: 2px;
  border-radius: 2px;
  background: linear-gradient(90deg, #0090E3, #2BA5EC);
  transition: width .3s var(--ease-out);
}
.z-nav-links > a:hover::after, .z-nav-links > a.active::after { width: 100%; }

/* ---------- 8. Sticky-Header: Tiefe beim Scrollen ---------- */
/* Kein backdrop-filter hier: würde einen Stacking-Context erzeugen und
   das mobile Menü (z-index 101) unter das Overlay (z-index 100) zwingen. */
.z-nav-header {
  transition: box-shadow .3s var(--ease), background-color .3s var(--ease);
}
.z-nav-header.scrolled { box-shadow: var(--sh-3); }

/* ---------- 9. Bilder: sanfteres Laden, kein Layout-Sprung ---------- */
/* Platzhalter-Tönung nur für Foto-/Logo-Kacheln, NIE für das Seitenlogo */
.z-bank-logo img, .bank-logo img, .blog-card img {
  background-color: rgba(0,144,227,.04);
}
.z-logo img, .logo img, .nav-drawer-header img { background: none !important; }
.z-bank-logo img, .bank-logo img {
  object-fit: contain;
  transition: transform .4s var(--ease-out), opacity .3s var(--ease);
}
.z-bank-card:hover .z-bank-logo img { transform: scale(1.04); }

/* ---------- 10. Auswahl & Scrollbar in Markenfarbe ---------- */
::selection { background: rgba(0,144,227,.22); color: #003A5D; }
* { scrollbar-width: thin; scrollbar-color: #B3DEF7 transparent; }
*::-webkit-scrollbar { width: 10px; height: 10px; }
*::-webkit-scrollbar-track { background: transparent; }
*::-webkit-scrollbar-thumb {
  background: #B3DEF7; border-radius: 999px; border: 2px solid #fff;
}
*::-webkit-scrollbar-thumb:hover { background: #66C0F4; }

/* ---------- 11. Badges / Pills: dezente Markentönung ---------- */
.z-hero-tag, .section-tag, .trust-chip, .th-badge {
  backdrop-filter: blur(6px);
  transition: transform .25s var(--ease-out), background-color .25s var(--ease);
}
.trust-chip:hover { transform: translateY(-2px); }

/* ---------- 12. Barrierefreiheit: Animationen abschaltbar ---------- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
    scroll-behavior: auto !important;
  }
}

/* ---------- 13. Druckansicht (Angebote ausdrucken) ---------- */
@media print {
  .z-announce, .z-nav-header, .cookie-banner, #cookie-consent-banner,
  .z-float-card, footer .footer-bottom { display: none !important; }
  body { background: #fff !important; color: #000 !important; }
  a[href^="http"]::after { content: " (" attr(href) ")"; font-size: 10px; color: #555; }
}

/* ---------- Cookie-Banner: granulare Kategorien ---------- */
.cookie-banner .ck-options {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin: 14px 0 4px;
  padding: 12px 14px;
  background: #F4F8FB;
  border: 1px solid #DCE6EF;
  border-radius: 12px;
}
.cookie-banner .ck-opt {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 12.5px;
  line-height: 1.5;
  color: var(--text);
  cursor: pointer;
}
.cookie-banner .ck-opt input[type="checkbox"] {
  margin-top: 2px;
  width: 16px; height: 16px;
  flex: 0 0 auto;
  accent-color: #0090E3;
  cursor: pointer;
}
.cookie-banner .ck-opt input:disabled { cursor: not-allowed; opacity: .65; }
.cookie-banner .ck-opt strong { color: var(--ink); font-weight: 700; }

.cookie-banner .ck-btn.ck-settings {
  background: transparent;
  color: var(--green-dark);
  border: 1px solid var(--line);
}
.cookie-banner .ck-btn.ck-settings:hover {
  background: #F4F8FB;
  border-color: #B3DEF7;
}

.cookie-banner .ck-save {
  width: 100%;
  margin-top: 10px;
  padding: 11px 18px;
  border: none;
  border-radius: 999px;
  background: linear-gradient(135deg, #FF8E1A 0%, #FF8200 100%);
  color: #fff;
  font-family: inherit;
  font-size: 13.5px;
  font-weight: 700;
  cursor: pointer;
  box-shadow: 0 6px 16px rgba(255,130,0,.30);
  transition: transform .2s var(--ease-out), box-shadow .2s var(--ease-out);
}
.cookie-banner .ck-save:hover {
  transform: translateY(-1px);
  box-shadow: 0 10px 22px rgba(255,130,0,.36);
}

/* ---------- Logo-Größen für das neue Bildlogo (Seitenverhältnis 3.12:1) ---------- */
.z-logo img {
  height: 46px;
  width: auto;
  max-width: 100%;
  object-fit: contain;
}
.nav-drawer-header img { height: 40px; width: auto; object-fit: contain; }

.z-footer-brand img {
  height: 50px;
  width: auto;
  object-fit: contain;
  margin-bottom: 4px;
}

@media (max-width: 768px) {
  .z-logo img { height: 38px; }
  .z-footer-brand img { height: 42px; }
}

/* ---------- Mobil: horizontalen Überlauf global ausschließen ---------- */
html { overflow-x: clip; }
body { overflow-x: clip; max-width: 100vw; }

/* ---------- Mobiles Menü: Stacking-Context-Korrektur ----------
   .z-nav-header ist sticky mit z-index:90 und bildet damit einen eigenen
   Stacking-Context. Das Drawer (z-index:101) liegt darin und käme sonst
   NIE über das Overlay (.nav-backdrop, z-index:100).
   Lösung: Header anheben, solange das Menü offen ist.              */
body.menu-open .z-nav-header { z-index: 110; }
body.menu-open .nav-backdrop { z-index: 100; }

/* Hamburger ausblenden, solange das Drawer offen ist:
   das Drawer hat mit .ndh-close ein eigenes Schließen-Symbol,
   sonst überlagern sich zwei X-Icons. */
body.menu-open .menu-toggle { opacity: 0; pointer-events: none; }

/* ---------- Impressum: Bürofoto ---------- */
.office-figure {
  margin: 0 0 32px;
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid var(--line);
  box-shadow: 0 4px 10px rgba(0,58,93,.06), 0 16px 36px rgba(0,58,93,.10);
  background: #F4F8FB;
}
.office-figure img {
  display: block;
  width: 100%;
  height: auto;
  aspect-ratio: 3 / 2;
  object-fit: cover;
}
.office-figure figcaption {
  padding: 11px 16px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-soft);
  background: #fff;
  border-top: 1px solid var(--line);
}
@media (max-width: 768px) {
  .office-figure { margin-bottom: 24px; border-radius: 13px; }
  .office-figure figcaption { font-size: 12.5px; padding: 10px 13px; }
}