/* ============================================
   Festgeldkonto Experte — Clean Fintech Theme
   Orange · Reference-matching · Mobile-first
   ============================================ */

:root {
  /* Brand colors — vibrant orange */
  --orange:        #F4632B;
  --orange-2:      #FF7E4D;
  --orange-deep:   #D84A12;
  --orange-soft:   #FFF1E9;
  --orange-tint:   #FFF7F1;

  /* Dark sections (hero / footer) */
  --navy:          #0E1B33;
  --navy-2:        #15233E;
  --navy-3:        #1F3052;

  /* Text */
  --text:          #111827;
  --text-2:        #374151;
  --text-3:        #6B7280;
  --text-4:        #9CA3AF;

  /* Surfaces */
  --bg:            #FFFFFF;
  --bg-alt:        #F5F7FA;
  --bg-light:      #F9FAFB;

  /* Borders */
  --border:        #E5E7EB;
  --border-2:      #D1D5DB;

  /* Status */
  --success:       #10B981;
  --danger:        #EF4444;

  /* Type — single sans-serif for whole site */
  --font: "Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  /* Geometry */
  --r-sm:  6px;
  --r-md:  10px;
  --r-lg:  16px;
  --r-xl:  20px;
  --shadow-sm: 0 1px 2px rgba(15,23,42,0.04);
  --shadow:    0 4px 12px rgba(15,23,42,0.06), 0 1px 3px rgba(15,23,42,0.04);
  --shadow-lg: 0 12px 32px rgba(15,23,42,0.10), 0 4px 12px rgba(15,23,42,0.06);
  --shadow-orange: 0 8px 20px rgba(244,99,43,0.30);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-weight: 400;
  font-size: 16px;
  color: var(--text);
  background: var(--bg);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
::selection { background: var(--orange); color: #fff; }
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font);
  margin: 0;
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.01em;
  color: var(--text);
}
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: 1240px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===========================================
   ANNOUNCE BAR (subtle)
   =========================================== */
.announce {
  background: var(--navy);
  color: #fff;
  font-size: 13px;
  padding: 10px 0;
  text-align: center;
  font-weight: 500;
}
.announce strong { color: var(--orange-2); }

/* ===========================================
   HEADER
   =========================================== */
header {
  background: #fff;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  gap: 24px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 18px;
  color: var(--navy);
  letter-spacing: -0.01em;
  flex-shrink: 0;
}
.logo-mark {
  width: 38px;
  height: 38px;
  background: var(--orange);
  border-radius: 8px;
  color: #fff;
  display: grid;
  place-items: center;
  font-size: 18px;
  font-weight: 800;
  flex-shrink: 0;
  box-shadow: 0 4px 10px rgba(244,99,43,0.35);
}
.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.logo-text small {
  font-size: 10px;
  font-weight: 600;
  color: var(--text-3);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  gap: 32px;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.nav-links a {
  color: var(--text-2);
  padding: 8px 0;
  position: relative;
  transition: color .2s;
}
.nav-links a:hover { color: var(--orange); }

.nav-cta {
  background: var(--orange);
  color: #fff;
  padding: 12px 24px;
  border-radius: 100px;
  font-size: 14px;
  font-weight: 700;
  transition: all .2s;
  white-space: nowrap;
  box-shadow: 0 4px 12px rgba(244,99,43,0.30);
}
.nav-cta:hover {
  background: var(--orange-deep);
  transform: translateY(-1px);
  box-shadow: 0 8px 18px rgba(244,99,43,0.40);
}

.nav-toggle {
  display: none;
  background: var(--bg-alt);
  border-radius: 8px;
  padding: 8px;
  cursor: pointer;
}
.nav-toggle svg { width: 24px; height: 24px; color: var(--text); }

/* ===========================================
   HERO — Dark navy with orange accents + form
   =========================================== */
.hero {
  background: var(--navy);
  color: #fff;
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 700px 500px at 80% 30%, rgba(244,99,43,0.12), transparent 60%),
    radial-gradient(ellipse 500px 400px at 10% 80%, rgba(244,99,43,0.08), transparent 50%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 2; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 460px;
  gap: 64px;
  align-items: start;
}
.hero h1 {
  font-size: clamp(36px, 5vw, 56px);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: #fff;
  margin-bottom: 22px;
}
.hero h1 .accent { color: var(--orange-2); }
.hero-lede {
  font-size: 17px;
  color: rgba(255,255,255,0.75);
  margin-bottom: 32px;
  max-width: 540px;
  line-height: 1.65;
}

.hero-features {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 36px;
}
.hf-row {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 15px;
  color: rgba(255,255,255,0.92);
}
.hf-check {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: rgba(255,255,255,0.10);
  border: 1.5px solid rgba(255,255,255,0.30);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  color: #fff;
}
.hf-check svg { width: 12px; height: 12px; stroke-width: 3; }

.hero-buttons {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 26px;
  border-radius: 100px;
  font-size: 14px;
  font-weight: 700;
  transition: all .2s;
  white-space: nowrap;
  cursor: pointer;
}
.btn svg { width: 16px; height: 16px; }
.btn-orange {
  background: var(--orange);
  color: #fff;
  box-shadow: 0 6px 18px rgba(244,99,43,0.35);
}
.btn-orange:hover {
  background: var(--orange-deep);
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(244,99,43,0.45);
}
.btn-outline {
  background: transparent;
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.30);
}
.btn-outline:hover {
  border-color: var(--orange-2);
  color: var(--orange-2);
}

/* HERO FORM CARD */
.hero-form-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  backdrop-filter: blur(10px);
  border-radius: var(--r-lg);
  padding: 36px 32px;
  color: #fff;
}
.hero-form-card h3 {
  text-align: center;
  font-size: 26px;
  color: #fff;
  font-weight: 700;
  margin-bottom: 4px;
}
.hero-form-card .form-intro {
  text-align: center;
  font-size: 14px;
  color: rgba(255,255,255,0.65);
  margin-bottom: 26px;
}
.hero-form .field { margin-bottom: 14px; }
.hero-form .row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 0;
}
.hero-form label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  margin-bottom: 8px;
}
.hero-form label .req { color: var(--orange-2); }
.hero-form input,
.hero-form select {
  width: 100%;
  padding: 13px 16px;
  font-size: 15px;
  background: rgba(255,255,255,0.06);
  border: 1.5px solid rgba(255,255,255,0.12);
  border-radius: var(--r-sm);
  color: #fff;
  font-family: inherit;
  transition: all .2s;
}
.hero-form input::placeholder { color: rgba(255,255,255,0.40); }
.hero-form input:focus,
.hero-form select:focus {
  outline: none;
  border-color: var(--orange);
  background: rgba(255,255,255,0.10);
  box-shadow: 0 0 0 3px rgba(244,99,43,0.15);
}
.hero-form select option { background: var(--navy); color: #fff; }
.hero-form .check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 14px 0 18px;
  font-size: 13px;
  color: rgba(255,255,255,0.75);
  line-height: 1.5;
}
.hero-form .check input {
  width: auto;
  margin-top: 3px;
  accent-color: var(--orange);
  flex-shrink: 0;
}
.hero-form .check a {
  color: var(--orange-2);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.btn-primary {
  width: 100%;
  background: var(--orange);
  color: #fff;
  padding: 16px;
  border-radius: var(--r-sm);
  font-size: 15px;
  font-weight: 700;
  transition: all .2s;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  box-shadow: 0 6px 18px rgba(244,99,43,0.40);
}
.btn-primary svg { width: 18px; height: 18px; }
.btn-primary:hover {
  background: var(--orange-deep);
  box-shadow: 0 10px 24px rgba(244,99,43,0.50);
}
.btn-primary:disabled { opacity: 0.6; cursor: not-allowed; }
.form-msg {
  margin-top: 14px;
  padding: 12px 14px;
  border-radius: var(--r-sm);
  font-size: 14px;
  display: none;
}
.form-msg.show { display: block; }
.form-msg.error {
  background: rgba(239,68,68,0.15);
  color: #FECACA;
  border-left: 3px solid var(--danger);
}

/* ===========================================
   SECTIONS
   =========================================== */
.section { padding: 80px 0; }
.section-alt { background: var(--bg-alt); }

.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 56px;
}
.section-head .label {
  display: inline-block;
  font-size: 13px;
  font-weight: 700;
  color: var(--orange);
  letter-spacing: 0.10em;
  text-transform: uppercase;
  margin-bottom: 12px;
}
.section-head h2 {
  font-size: clamp(28px, 4vw, 40px);
  margin-bottom: 14px;
  letter-spacing: -0.015em;
}
.section-head p {
  color: var(--text-3);
  font-size: 17px;
  line-height: 1.6;
  margin: 0;
}

/* ===========================================
   VORTEILE — Cards Grid
   =========================================== */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.info-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 32px 28px;
  transition: all .25s;
}
.info-card:hover {
  transform: translateY(-4px);
  border-color: var(--orange);
  box-shadow: var(--shadow-lg);
}
.info-icon {
  width: 52px;
  height: 52px;
  background: var(--orange-soft);
  border-radius: 12px;
  display: grid;
  place-items: center;
  margin-bottom: 18px;
  color: var(--orange);
}
.info-icon svg { width: 26px; height: 26px; }
.info-card h3 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 10px;
}
.info-card p {
  font-size: 14.5px;
  color: var(--text-3);
  line-height: 1.65;
  margin: 0;
}

/* ===========================================
   KONDITIONEN — Rate Cards
   =========================================== */
.rate-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.rate-card {
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: var(--r-lg);
  padding: 28px 22px;
  position: relative;
  text-align: center;
  transition: all .25s;
}
.rate-card:hover {
  transform: translateY(-3px);
  border-color: var(--orange);
  box-shadow: var(--shadow-lg);
}
.rate-card.highlight {
  border: 2px solid var(--orange);
  box-shadow: 0 0 0 4px rgba(244,99,43,0.08);
}
.rate-card.top {
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
}
.rate-card.top .rc-rate { color: #fff; }
.rate-card.top .rc-features li { color: rgba(255,255,255,0.75); }
.rate-card.top .rc-btn { background: var(--orange); color: #fff; }
.rate-card.top .rc-btn:hover { background: var(--orange-2); }
.rc-badge {
  position: absolute;
  top: -10px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--orange);
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  padding: 5px 12px;
  border-radius: 100px;
  text-transform: uppercase;
  box-shadow: 0 4px 10px rgba(244,99,43,0.40);
  white-space: nowrap;
}
.rate-card.top .rc-badge { background: #fff; color: var(--navy); }
.rc-term {
  font-size: 13px;
  font-weight: 700;
  color: var(--orange);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.rate-card.top .rc-term { color: var(--orange-2); }
.rc-rate {
  font-size: 48px;
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1;
  color: var(--text);
  margin-bottom: 4px;
}
.rc-rate .pct { color: var(--orange); font-size: 32px; }
.rate-card.top .rc-rate .pct { color: var(--orange-2); }
.rc-label {
  font-size: 13px;
  color: var(--text-3);
  margin-bottom: 22px;
}
.rate-card.top .rc-label { color: rgba(255,255,255,0.55); }
.rc-features {
  list-style: none;
  padding: 0;
  margin: 0 0 22px;
  border-top: 1px solid var(--border);
  padding-top: 18px;
  text-align: left;
}
.rate-card.top .rc-features { border-color: rgba(255,255,255,0.12); }
.rc-features li {
  font-size: 13.5px;
  color: var(--text-2);
  padding: 6px 0 6px 22px;
  position: relative;
}
.rc-features li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 6px;
  color: var(--orange);
  font-weight: 700;
}
.rc-btn {
  display: block;
  width: 100%;
  background: var(--bg-alt);
  color: var(--text);
  padding: 12px;
  border-radius: var(--r-sm);
  font-size: 13px;
  font-weight: 700;
  transition: all .2s;
}
.rc-btn:hover { background: var(--orange); color: #fff; }

/* ===========================================
   BANKS LIST — Direkt unter Hero (Referenz-Stil)
   =========================================== */
.banks-section {
  background: var(--bg-alt);
  padding: 70px 0 60px;
  position: relative;
}
.banks-section .section-head .label { color: var(--orange); }
.banks-section .section-head h2 { color: var(--text); }
.banks-section .section-head p { color: var(--text-3); }

.bank-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.bank-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 24px 28px 18px;
  position: relative;
  transition: all .2s;
}
.bank-item:hover {
  border-color: var(--orange);
  box-shadow: var(--shadow);
}
.bank-badge {
  position: absolute;
  top: -10px;
  left: 24px;
  background: var(--orange);
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.06em;
  padding: 5px 12px;
  border-radius: 100px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  box-shadow: 0 4px 10px rgba(244,99,43,0.40);
}
.bank-badge::before { content: "◆"; font-size: 9px; }

.bank-top {
  display: grid;
  grid-template-columns: 240px 1fr 180px;
  gap: 24px;
  align-items: center;
  margin-bottom: 16px;
}
.bi-logo {
  display: flex;
  align-items: center;
  gap: 14px;
}
.bi-logo-img {
  width: 48px;
  height: 48px;
  background: var(--bg-alt);
  border-radius: 10px;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  overflow: hidden;
}
.bi-logo-img img {
  max-width: 40px;
  max-height: 40px;
  object-fit: contain;
}
.bi-logo-img.no-logo {
  background: var(--orange);
  color: #fff;
  font-size: 20px;
  font-weight: 800;
  text-transform: uppercase;
}
.bi-text { min-width: 0; }
.bi-name {
  font-size: 17px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 4px;
}
.bi-rating-line {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12.5px;
  color: var(--text-3);
  flex-wrap: wrap;
}
.bi-stars { color: #FBA90A; letter-spacing: 1px; font-size: 13px; }

.bi-metrics {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
}
.metric-box {
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 10px 12px;
}
.metric-box.primary {
  border-color: var(--orange);
  background: var(--orange-tint);
}
.metric-box .lbl {
  font-size: 11px;
  color: var(--text-3);
  font-weight: 600;
  margin-bottom: 4px;
}
.metric-box .val {
  font-size: 16px;
  font-weight: 700;
  color: var(--text);
  font-variant-numeric: tabular-nums;
}
.metric-box.primary .val { color: var(--orange-deep); }

.bi-cta {
  background: var(--orange);
  color: #fff;
  padding: 13px 20px;
  border-radius: 100px;
  font-size: 14px;
  font-weight: 700;
  text-align: center;
  transition: all .2s;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  white-space: nowrap;
  box-shadow: 0 4px 12px rgba(244,99,43,0.30);
}
.bi-cta:hover {
  background: var(--orange-deep);
  transform: translateY(-1px);
  box-shadow: 0 8px 18px rgba(244,99,43,0.45);
}

.bank-bottom {
  display: flex;
  justify-content: space-around;
  padding-top: 14px;
  border-top: 1px solid var(--border);
  flex-wrap: wrap;
  gap: 10px;
}
.bb-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--text-2);
  font-weight: 500;
}
.bb-item svg {
  width: 16px;
  height: 16px;
  color: var(--orange);
  flex-shrink: 0;
}

/* ===========================================
   CALCULATOR
   =========================================== */
.calc-section {
  background: var(--navy);
  color: #fff;
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}
.calc-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 10% 0%, rgba(244,99,43,0.15), transparent 50%),
    radial-gradient(ellipse at 90% 100%, rgba(244,99,43,0.08), transparent 50%);
  pointer-events: none;
}
.calc-section .container { position: relative; z-index: 2; }
.calc-section .section-head h2 { color: #fff; }
.calc-section .section-head p { color: rgba(255,255,255,0.65); }
.calc-section .section-head .label { color: var(--orange-2); }

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}
.calc-input-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--r-lg);
  padding: 32px;
}
.input-group { margin-bottom: 26px; }
.input-group label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 14px;
  color: rgba(255,255,255,0.85);
  margin-bottom: 12px;
  font-weight: 600;
}
.input-group label .val {
  font-size: 18px;
  color: #fff;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  background: rgba(255,255,255,0.15);
  border-radius: 2px;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--orange);
  border: 3px solid var(--navy);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(244,99,43,0.50);
}
input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--orange);
  border: 3px solid var(--navy);
  border-radius: 50%;
  cursor: pointer;
}
.range-bounds {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: rgba(255,255,255,0.50);
  margin-top: 6px;
}
.quick-select {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px;
}
.qs {
  padding: 12px 10px;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: 8px;
  color: rgba(255,255,255,0.85);
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  transition: all .2s;
}
.qs:hover { background: rgba(255,255,255,0.10); }
.qs.selected {
  background: var(--orange);
  border-color: var(--orange);
  color: #fff;
}

.calc-output-card {
  background: #fff;
  color: var(--text);
  border-radius: var(--r-lg);
  padding: 36px;
  box-shadow: var(--shadow-lg);
}
.output-headline {
  font-size: 13px;
  color: var(--orange);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.output-final {
  font-size: clamp(48px, 6vw, 72px);
  font-weight: 800;
  color: var(--text);
  line-height: 1;
  letter-spacing: -0.03em;
  font-variant-numeric: tabular-nums;
  margin-bottom: 6px;
}
.output-final .euro { color: var(--orange); margin-right: 6px; }
.output-sub {
  font-size: 14px;
  color: var(--text-3);
  margin-bottom: 28px;
}
.output-sub strong { color: var(--orange); }
.breakdown {
  border-top: 1px solid var(--border);
  padding-top: 22px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.breakdown-item .lbl {
  font-size: 12px;
  color: var(--text-3);
  font-weight: 600;
  margin-bottom: 6px;
}
.breakdown-item .val {
  font-size: 22px;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
}
.breakdown-item.gain .val { color: var(--orange); }
.yearly-bars {
  margin-top: 26px;
  padding-top: 22px;
  border-top: 1px solid var(--border);
}
.yearly-bars-label {
  font-size: 12px;
  color: var(--text-3);
  font-weight: 600;
  margin-bottom: 12px;
}
.bars { display: flex; align-items: flex-end; gap: 6px; height: 70px; }
.bar {
  flex: 1;
  background: linear-gradient(to top, var(--orange-deep), var(--orange-2));
  border-radius: 3px 3px 0 0;
  transition: height .8s cubic-bezier(0.16, 1, 0.3, 1);
  min-height: 4px;
}
.bar-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 6px;
  font-size: 10px;
  color: var(--text-3);
}
.calc-cta {
  display: block;
  margin-top: 24px;
  padding: 14px;
  background: var(--navy);
  color: #fff;
  text-align: center;
  border-radius: var(--r-sm);
  font-size: 14px;
  font-weight: 700;
  transition: background .2s;
}
.calc-cta:hover { background: var(--orange); }

/* ===========================================
   HOW IT WORKS
   =========================================== */
.how-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.how-item {
  text-align: center;
  padding: 32px 24px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  transition: all .25s;
}
.how-item:hover {
  border-color: var(--orange);
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}
.how-num {
  width: 48px;
  height: 48px;
  background: var(--orange);
  color: #fff;
  border-radius: 50%;
  display: grid;
  place-items: center;
  margin: 0 auto 18px;
  font-size: 18px;
  font-weight: 800;
  box-shadow: 0 6px 14px rgba(244,99,43,0.35);
}
.how-item h3 {
  font-size: 18px;
  margin-bottom: 10px;
}
.how-item p {
  color: var(--text-3);
  font-size: 14.5px;
  line-height: 1.65;
}

/* ===========================================
   FAQ
   =========================================== */
.faq-wrap { max-width: 820px; margin: 0 auto; }
details {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  margin-bottom: 12px;
  transition: all .2s;
}
details[open] { border-color: var(--orange); box-shadow: var(--shadow-sm); }
summary {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  cursor: pointer;
  list-style: none;
  font-size: 16px;
  font-weight: 600;
  color: var(--text);
}
summary::-webkit-details-marker { display: none; }
summary .plus {
  width: 28px;
  height: 28px;
  border: 1.5px solid var(--border-2);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 400;
  font-size: 16px;
  flex-shrink: 0;
  transition: all .25s;
  color: var(--text-3);
}
details[open] summary { color: var(--orange); }
details[open] .plus {
  background: var(--orange);
  color: #fff;
  border-color: var(--orange);
  transform: rotate(45deg);
}
details > div {
  padding: 0 24px 24px;
  color: var(--text-2);
  font-size: 15px;
  line-height: 1.7;
}

/* ===========================================
   CTA Banner
   =========================================== */
.cta-banner { padding: 80px 0; }
.cta-card {
  background: var(--navy);
  color: #fff;
  border-radius: var(--r-lg);
  padding: 56px 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 20% 50%, rgba(244,99,43,0.22), transparent 50%),
    radial-gradient(circle at 80% 50%, rgba(244,99,43,0.16), transparent 50%);
}
.cta-card > * { position: relative; }
.cta-card h2 {
  font-size: clamp(28px, 4vw, 40px);
  color: #fff;
  margin-bottom: 14px;
  letter-spacing: -0.015em;
}
.cta-card p {
  font-size: 17px;
  max-width: 580px;
  margin: 0 auto 30px;
  color: rgba(255,255,255,0.75);
  line-height: 1.6;
}

/* ===========================================
   CONTACT
   =========================================== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 56px;
  align-items: start;
}
.contact-info h2 {
  font-size: clamp(28px, 4vw, 36px);
  margin-bottom: 18px;
  letter-spacing: -0.015em;
}
.contact-info p {
  color: var(--text-3);
  font-size: 16px;
  line-height: 1.65;
  margin-bottom: 28px;
  max-width: 460px;
}
.contact-meta {
  border-top: 1px solid var(--border);
  padding-top: 18px;
}
.contact-meta-row {
  display: flex;
  justify-content: space-between;
  padding: 12px 0;
  font-size: 14px;
  border-bottom: 1px solid var(--border);
}
.contact-meta-row:last-child { border-bottom: none; }
.contact-meta-row .lbl {
  color: var(--text-3);
  font-weight: 500;
}
.contact-meta-row .val { font-weight: 700; color: var(--text); }

.form-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 36px;
  box-shadow: var(--shadow-sm);
}
.form-title {
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 22px;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 14px;
}
.form-field { display: flex; flex-direction: column; }
.form-field.full { grid-column: 1 / -1; }
.form-field label {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-2);
  margin-bottom: 6px;
}
.form-field input,
.form-field select,
.form-field textarea {
  font-family: inherit;
  font-size: 15px;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  background: #fff;
  color: var(--text);
  transition: all .2s;
  width: 100%;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(244,99,43,0.10);
}
.form-field textarea { resize: vertical; min-height: 100px; }
.form-check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin: 14px 0 22px;
  font-size: 13px;
  color: var(--text-3);
  line-height: 1.55;
}
.form-check input {
  margin-top: 3px;
  accent-color: var(--orange);
  flex-shrink: 0;
}
.form-check a {
  color: var(--orange);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.form-submit {
  width: 100%;
  padding: 16px;
  background: var(--orange);
  color: #fff;
  border-radius: var(--r-sm);
  font-size: 15px;
  font-weight: 700;
  transition: all .2s;
  box-shadow: 0 4px 14px rgba(244,99,43,0.30);
}
.form-submit:hover {
  background: var(--orange-deep);
  box-shadow: 0 8px 20px rgba(244,99,43,0.40);
}

/* ===========================================
   FOOTER
   =========================================== */
footer {
  background: var(--navy);
  color: rgba(255,255,255,0.65);
  padding: 60px 0 30px;
  position: relative;
  overflow: hidden;
}
footer::after {
  content: "";
  position: absolute;
  bottom: -120px;
  right: -120px;
  width: 320px;
  height: 320px;
  background: radial-gradient(circle, rgba(244,99,43,0.08), transparent 60%);
  pointer-events: none;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr repeat(3, 1fr);
  gap: 48px;
  margin-bottom: 48px;
  position: relative;
  z-index: 2;
}
footer h4 {
  font-size: 14px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 18px;
}
footer ul { list-style: none; padding: 0; margin: 0; }
footer li {
  margin-bottom: 10px;
  font-size: 14px;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
footer li svg {
  width: 16px;
  height: 16px;
  color: var(--orange-2);
  flex-shrink: 0;
  margin-top: 2px;
}
footer a:hover { color: var(--orange-2); }
.footer-tag {
  font-size: 14px;
  line-height: 1.6;
  color: rgba(255,255,255,0.65);
  margin-top: 14px;
  max-width: 320px;
}
.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: 13px;
  color: rgba(255,255,255,0.45);
  position: relative;
  z-index: 2;
}

/* ===========================================
   THANK YOU PAGE
   =========================================== */
.danke-page {
  padding: 80px 0;
  background: #fff;
}
.danke-wrap {
  max-width: 680px;
  margin: 0 auto;
  text-align: center;
}
.danke-icon {
  width: 88px;
  height: 88px;
  margin: 0 auto 28px;
  background: var(--orange);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: #fff;
  font-size: 40px;
  font-weight: 800;
  box-shadow: 0 12px 32px rgba(244,99,43,0.40);
  position: relative;
  animation: scaleIn .5s cubic-bezier(0.16, 1, 0.3, 1);
}
.danke-icon::before {
  content: "";
  position: absolute;
  inset: -8px;
  border: 2px solid var(--orange);
  border-radius: 50%;
  opacity: 0.3;
  animation: ringExpand 1.4s ease-out infinite;
}
@keyframes scaleIn {
  from { transform: scale(0); opacity: 0; }
  to   { transform: scale(1); opacity: 1; }
}
@keyframes ringExpand {
  0%   { transform: scale(1);   opacity: 0.4; }
  100% { transform: scale(1.4); opacity: 0; }
}
.danke-page h1 {
  font-size: clamp(28px, 4vw, 40px);
  margin-bottom: 14px;
  letter-spacing: -0.015em;
}
.danke-wrap > p {
  font-size: 16px;
  color: var(--text-3);
  max-width: 480px;
  margin: 0 auto 36px;
  line-height: 1.65;
}
.danke-card {
  background: var(--bg-alt);
  border-radius: var(--r-lg);
  padding: 32px 36px;
  text-align: left;
  margin-bottom: 28px;
}
.danke-card h3 {
  font-size: 18px;
  font-weight: 700;
  text-align: center;
  margin-bottom: 22px;
}
.danke-steps {
  list-style: none;
  margin: 0;
  padding: 0;
}
.danke-steps li {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 14px 0;
  font-size: 15px;
  color: var(--text-2);
  line-height: 1.55;
}
.danke-steps li + li { border-top: 1px solid var(--border); }
.danke-steps .step-num {
  width: 28px;
  height: 28px;
  background: var(--orange);
  color: #fff;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 13px;
  font-weight: 700;
  flex-shrink: 0;
}
.danke-back {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--bg-alt);
  color: var(--text);
  padding: 14px 28px;
  border-radius: 100px;
  font-size: 14px;
  font-weight: 700;
  transition: all .2s;
}
.danke-back:hover {
  background: var(--orange);
  color: #fff;
}
.danke-back svg { width: 16px; height: 16px; }

/* ===========================================
   LEGAL PAGES
   =========================================== */
.legal-page {
  padding: 60px 0 80px;
  max-width: 820px;
  margin: 0 auto;
}
.legal-page h1 {
  font-size: clamp(32px, 4.5vw, 44px);
  margin-bottom: 28px;
  letter-spacing: -0.02em;
}
.legal-page h2 {
  font-size: 22px;
  margin: 36px 0 12px;
}
.legal-page h3 {
  font-size: 16px;
  margin: 22px 0 10px;
  color: var(--text-2);
}
.legal-page p, .legal-page li {
  font-size: 15px;
  color: var(--text-2);
  line-height: 1.75;
}
.legal-page ul, .legal-page ol { padding-left: 20px; }
.legal-page a {
  color: var(--orange);
  text-decoration: underline;
  text-underline-offset: 3px;
}
.legal-page strong { color: var(--text); font-weight: 700; }
.info-block {
  background: var(--orange-tint);
  border: 1px solid var(--orange-soft);
  border-left: 3px solid var(--orange);
  border-radius: 8px;
  padding: 20px 24px;
  margin: 22px 0;
}
.info-block p { margin: 4px 0; }

/* Trust strip */
.trust {
  background: #fff;
  border-bottom: 1px solid var(--border);
  padding: 22px 0;
}
.trust-row {
  display: flex;
  justify-content: space-around;
  align-items: center;
  flex-wrap: wrap;
  gap: 20px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13.5px;
  color: var(--text-2);
  font-weight: 600;
}
.trust-item svg {
  width: 20px;
  height: 20px;
  color: var(--orange);
  flex-shrink: 0;
}

/* ===========================================
   REVEAL ANIMATIONS
   =========================================== */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .6s, transform .6s;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Modal */
.modal {
  display: none;
  position: fixed; inset: 0;
  background: rgba(15,23,42,0.6);
  z-index: 1000;
  align-items: center; justify-content: center;
  padding: 20px;
  backdrop-filter: blur(4px);
}
.modal.show { display: flex; }
.modal-content {
  background: #fff;
  border-radius: var(--r-lg);
  padding: 40px 32px;
  max-width: 420px;
  width: 100%;
  text-align: center;
}
.modal-content h3 { font-size: 24px; margin-bottom: 10px; }
.modal-content p { color: var(--text-3); margin-bottom: 22px; }

/* Offer wizard modal */
.wizard-modal {
  position: fixed;
  inset: 0;
  display: none;
  z-index: 1100;
}
.wizard-modal.show { display: block; }
.wizard-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(15,23,42,0.65);
  backdrop-filter: blur(4px);
}
.wizard-dialog {
  position: relative;
  z-index: 2;
  width: min(540px, calc(100% - 20px));
  margin: 18px auto;
  max-height: calc(100vh - 40px);
  background: #fff;
  border-radius: 14px;
  overflow: auto;
  box-shadow: var(--shadow-lg);
}
.wizard-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 16px;
  border-bottom: 1px solid var(--border);
}
.wizard-head h3 {
  font-size: 18px;
  line-height: 1.2;
}
.wizard-close {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  font-size: 28px;
  color: var(--text-2);
}
.wizard-close:hover { background: var(--bg-alt); }
.wizard-progress {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 16px 4px;
}
.wizard-step {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--text-4);
}
.wizard-step span {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: 2px solid var(--border-2);
  display: grid;
  place-items: center;
  font-size: 11px;
  font-weight: 700;
}
.wizard-step small { font-size: 10px; }
.wizard-step.is-active span,
.wizard-step.is-done span {
  border-color: var(--orange);
  color: #fff;
  background: var(--orange);
}
.wizard-step.is-active,
.wizard-step.is-done { color: var(--text-2); }
.wizard-line {
  flex: 1;
  height: 3px;
  background: var(--border);
  border-radius: 999px;
}
.wizard-body {
  padding: 8px 16px 14px;
}
.wizard-screen h4 {
  font-size: 17px;
  margin: 2px 0 6px;
}
.wizard-screen p {
  color: var(--text-3);
  margin: 0 0 10px;
  font-size: 13px;
}
.wizard-options {
  display: grid;
  gap: 10px;
}
.wizard-option {
  width: 100%;
  border-radius: 10px;
  background: var(--orange);
  color: #fff;
  padding: 10px 12px;
  font-size: 15px;
  font-weight: 700;
}
.wizard-option:hover { background: var(--orange-deep); }
.wizard-option.selected {
  box-shadow: 0 0 0 3px rgba(244,99,43,0.25);
}
.wizard-form input[type="text"],
.wizard-form input[type="email"],
.wizard-form input[type="tel"] {
  width: 100%;
  border: 1.5px solid var(--border);
  border-radius: 12px;
  padding: 10px 12px;
  font-size: 15px;
  margin-bottom: 8px;
}
.wizard-form input:focus {
  outline: none;
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(244,99,43,0.14);
}
.wizard-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.wizard-check {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-top: 6px;
  color: var(--text-3);
  font-size: 14px;
}
.wizard-check a { color: var(--orange); text-decoration: underline; }
.wizard-error {
  display: none;
  margin-top: 10px;
  color: var(--danger);
  font-size: 14px;
}
.wizard-error.show { display: block; }
.wizard-foot {
  border-top: 1px solid var(--border);
  padding: 10px 16px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.wizard-foot-right {
  display: flex;
  gap: 10px;
}
.wizard-btn {
  border-radius: 12px;
  padding: 9px 12px;
  font-size: 14px;
  font-weight: 700;
}
.wizard-btn.secondary {
  background: #e8ecf8;
  color: #29458f;
}
.wizard-btn.primary {
  background: var(--orange);
  color: #fff;
}
.wizard-btn:disabled {
  opacity: 0.45;
  cursor: not-allowed;
}

/* ===========================================
   RESPONSIVE — Mobile First
   =========================================== */
@media (max-width: 1100px) {
  .bank-top { grid-template-columns: 1fr; gap: 16px; }
  .bi-cta { width: 100%; }
  .wizard-step small { display: none; }
}

@media (max-width: 980px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .hero { padding: 50px 0 70px; }
  .calc-grid,
  .contact-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .cards-grid,
  .how-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .rate-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }
  .nav-links { display: none; }
  .nav-toggle { display: grid; place-items: center; }
  .nav-links.open {
    display: flex;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: #fff;
    flex-direction: column;
    padding: 16px 24px;
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    gap: 6px;
    box-shadow: 0 8px 16px rgba(0,0,0,0.05);
  }
  .nav-links.open a {
    padding: 12px 0;
    border-bottom: 1px solid var(--border);
  }
  .nav-links.open a:last-child { border-bottom: none; }
  .section { padding: 56px 0; }
  .calc-section { padding: 56px 0; }
  .form-card { padding: 24px; }
  .hero-form-card { padding: 28px 22px; }
  .calc-input-card,
  .calc-output-card { padding: 24px; }
  .danke-card { padding: 24px; }
  .breakdown { grid-template-columns: 1fr; }
  .wizard-grid { grid-template-columns: 1fr; }
}

@media (max-width: 720px) {
  .container { padding: 0 16px; }
  .nav { padding: 14px 0; }
  .nav-cta {
    padding: 10px 18px;
    font-size: 13px;
  }
  .logo { font-size: 16px; }
  .logo-mark { width: 34px; height: 34px; font-size: 16px; }
  .hero h1 { font-size: 32px; }
  .hero-lede { font-size: 15px; }
  .hf-row { font-size: 14px; }
  .btn { padding: 12px 20px; font-size: 13px; }
  .cards-grid,
  .how-grid {
    grid-template-columns: 1fr;
  }
  .rate-grid { grid-template-columns: 1fr; }
  .bi-metrics { grid-template-columns: 1fr 1fr; }
  .bank-bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }
  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }
  .form-row { grid-template-columns: 1fr; }
  .hero-form .row { grid-template-columns: 1fr; }
  .cta-card { padding: 40px 24px; }
  .danke-card { padding: 22px 18px; }
  .danke-icon { width: 72px; height: 72px; font-size: 32px; }
  .section-head { margin-bottom: 36px; }
  .section { padding: 44px 0; }
  .legal-page { padding: 40px 0 60px; }
  .legal-page h1 { font-size: 28px; }
  .info-card { padding: 24px 22px; }
  .trust-row { gap: 14px; }
  .trust-item { font-size: 12px; }
  .bank-item { padding: 22px 18px 16px; }
  .bank-badge { left: 18px; font-size: 10px; padding: 4px 10px; }
  .wizard-progress { padding: 10px 14px 4px; }
  .wizard-head, .wizard-body, .wizard-foot { padding-left: 14px; padding-right: 14px; }
}