/* ============================================================
   Persist Infotech — Main Stylesheet
   Dark Premium Fintech Theme
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=Inter:wght@300;400;500;600;700&display=swap');

/* ── Variables ── */
:root {
  --black:       #0A0E1A;
  --dark:        #111827;
  --card:        #161D2E;
  --border:      #1E2A3E;
  --gold:        #C9A84C;
  --gold-light:  #E8C96B;
  --gold-dim:    rgba(201,168,76,0.15);
  --white:       #F5F5F5;
  --muted:       #6B7280;
  --text:        #D1D5DB;
  --radius:      12px;
  --transition:  0.3s ease;
}

/* ── Reset & Base ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  background: var(--black);
  color: var(--text);
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  line-height: 1.7;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5 {
  font-family: 'Playfair Display', serif;
  color: var(--white);
  line-height: 1.25;
}

a { color: var(--gold); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold-light); }

img { max-width: 100%; display: block; }

/* ── Utility ── */
.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 90px 0; }
.section-sm { padding: 60px 0; }

.gold       { color: var(--gold); }
.text-muted { color: var(--muted); }
.text-center{ text-align: center; }

.badge {
  display: inline-block;
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  border: 1px solid var(--gold-dim);
  background: var(--gold-dim);
  padding: 5px 14px;
  border-radius: 50px;
  margin-bottom: 18px;
}

.divider {
  width: 48px;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), transparent);
  margin: 18px 0 28px;
}

.divider-center { margin: 18px auto 28px; }

/* ── Buttons ── */
.btn-gold {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: linear-gradient(135deg, var(--gold), #A07830);
  color: var(--black);
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 0.5px;
  padding: 14px 32px;
  border-radius: 6px;
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
  text-decoration: none;
}

.btn-gold::after {
  content: '';
  position: absolute;
  top: -50%;
  left: -60%;
  width: 40%;
  height: 200%;
  background: rgba(255,255,255,0.18);
  transform: skewX(-20deg);
  transition: left 0.5s ease;
}

.btn-gold:hover::after { left: 130%; }
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(201,168,76,0.35); color: var(--black); }

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--gold);
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 14px;
  padding: 13px 30px;
  border-radius: 6px;
  border: 1px solid var(--gold);
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
}

.btn-outline:hover {
  background: var(--gold-dim);
  color: var(--gold-light);
  transform: translateY(-2px);
}

/* ── Navbar ── */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(10,14,26,0.85);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border);
  transition: all var(--transition);
}

.navbar.scrolled {
  background: rgba(10,14,26,0.97);
  box-shadow: 0 4px 30px rgba(0,0,0,0.4);
}

.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

.navbar-brand {
  font-family: 'Playfair Display', serif;
  font-size: 20px;
  font-weight: 700;
  color: var(--white);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 10px;
}

.navbar-brand span { color: var(--gold); }

.brand-icon {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, var(--gold), #A07830);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  color: var(--black);
  font-weight: 700;
}

.navbar-nav {
  display: flex;
  align-items: center;
  gap: 8px;
  list-style: none;
}

.navbar-nav a {
  color: var(--text);
  font-size: 14px;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 6px;
  transition: all var(--transition);
  text-decoration: none;
}

.navbar-nav a:hover,
.navbar-nav a.active {
  color: var(--gold);
  background: var(--gold-dim);
}

.navbar-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  border: none;
  background: none;
}

.navbar-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}

.mobile-menu {
  display: none;
  flex-direction: column;
  padding: 16px 24px 20px;
  border-top: 1px solid var(--border);
  background: var(--dark);
}

.mobile-menu a {
  color: var(--text);
  font-size: 15px;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
  text-decoration: none;
  display: block;
}

.mobile-menu a:last-child { border-bottom: none; }
.mobile-menu a:hover { color: var(--gold); }
.mobile-menu.open { display: flex; }

/* ── Hero ── */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 120px 0 80px;
  position: relative;
  overflow: hidden;
  background: var(--black);
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 70% 50%, rgba(201,168,76,0.07) 0%, transparent 60%),
    radial-gradient(ellipse 40% 60% at 20% 80%, rgba(17,24,39,0.8) 0%, transparent 70%);
  pointer-events: none;
}

.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(201,168,76,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(201,168,76,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 40%, transparent 100%);
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.hero-eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}

.hero h1 {
  font-size: clamp(38px, 5vw, 62px);
  font-weight: 700;
  margin-bottom: 22px;
  line-height: 1.15;
}

.hero h1 em {
  font-style: normal;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-desc {
  font-size: 17px;
  color: var(--muted);
  margin-bottom: 36px;
  max-width: 480px;
}

.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-trust {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-top: 44px;
  padding-top: 32px;
  border-top: 1px solid var(--border);
}

.trust-item { text-align: center; }
.trust-num {
  font-family: 'Playfair Display', serif;
  font-size: 26px;
  font-weight: 700;
  color: var(--white);
}
.trust-label { font-size: 12px; color: var(--muted); margin-top: 2px; }

.trust-sep {
  width: 1px;
  height: 40px;
  background: var(--border);
}

/* ── Loan Form Card ── */
.loan-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 40px;
  position: relative;
  overflow: hidden;
}

.loan-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
}

.loan-card h3 {
  font-size: 20px;
  margin-bottom: 6px;
}

.loan-card .sub {
  font-size: 13px;
  color: var(--muted);
  margin-bottom: 28px;
}

.form-group { margin-bottom: 18px; }

.form-group label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.5px;
  color: var(--muted);
  text-transform: uppercase;
  margin-bottom: 8px;
}

.form-group input,
.form-group select {
  width: 100%;
  background: var(--dark);
  border: 1px solid var(--border);
  border-radius: 8px;
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  padding: 12px 16px;
  outline: none;
  transition: border-color var(--transition);
  appearance: none;
  -webkit-appearance: none;
}

.form-group input:focus,
.form-group select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
}

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }

.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236B7280' stroke-width='1.5' fill='none'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 38px;
}

.form-group select option { background: var(--dark); color: var(--white); }

.range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--muted);
  margin-top: 8px;
}

input[type=range] {
  -webkit-appearance: none;
  width: 100%;
  height: 4px;
  background: var(--border);
  border-radius: 4px;
  outline: none;
  padding: 0;
  border: none;
}

input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  border: 3px solid var(--card);
  box-shadow: 0 0 0 2px var(--gold);
}

.range-val {
  text-align: center;
  font-family: 'Playfair Display', serif;
  font-size: 28px;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 8px;
}

.form-btn { width: 100%; margin-top: 6px; justify-content: center; font-size: 15px; padding: 16px; }

.form-notice {
  font-size: 11px;
  color: var(--muted);
  text-align: center;
  margin-top: 12px;
}

/* ── Steps / How It Works ── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  margin-top: 56px;
}

.step-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 36px 28px;
  position: relative;
  transition: all var(--transition);
}

.step-card:hover {
  border-color: rgba(201,168,76,0.4);
  transform: translateY(-4px);
  box-shadow: 0 16px 40px rgba(0,0,0,0.3);
}

.step-num {
  font-family: 'Playfair Display', serif;
  font-size: 42px;
  font-weight: 700;
  color: var(--border);
  line-height: 1;
  margin-bottom: 18px;
}

.step-icon {
  width: 52px;
  height: 52px;
  background: var(--gold-dim);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  margin-bottom: 20px;
}

.step-card h4 {
  font-size: 17px;
  margin-bottom: 10px;
}

.step-card p { font-size: 14px; color: var(--muted); line-height: 1.65; }

/* ── Features ── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 56px;
}

.feature-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 36px 30px;
  transition: all var(--transition);
}

.feature-card:hover {
  border-color: rgba(201,168,76,0.35);
  box-shadow: 0 12px 36px rgba(0,0,0,0.25);
}

.feature-icon {
  width: 56px;
  height: 56px;
  background: var(--gold-dim);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 26px;
  margin-bottom: 22px;
  border: 1px solid rgba(201,168,76,0.2);
}

.feature-card h4 { font-size: 18px; margin-bottom: 12px; }
.feature-card p  { font-size: 14px; color: var(--muted); line-height: 1.7; }

/* ── Amounts Band ── */
.amounts-band {
  background: var(--card);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 60px 0;
}

.amounts-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}

.amount-item {
  background: var(--card);
  padding: 40px 24px;
  text-align: center;
}

.amount-num {
  font-family: 'Playfair Display', serif;
  font-size: 38px;
  font-weight: 700;
  color: var(--gold);
}

.amount-label {
  font-size: 13px;
  color: var(--muted);
  margin-top: 6px;
}

/* ── Testimonials ── */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 56px;
}

.testi-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 36px 30px;
}

.testi-stars { color: var(--gold); font-size: 16px; letter-spacing: 2px; margin-bottom: 18px; }
.testi-text  { font-size: 15px; color: var(--text); line-height: 1.75; font-style: italic; margin-bottom: 24px; }

.testi-author { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), #7A5C1E);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 16px;
  color: var(--black);
}

.testi-name  { font-size: 14px; font-weight: 600; color: var(--white); }
.testi-loc   { font-size: 12px; color: var(--muted); margin-top: 2px; }

/* ── CTA Banner ── */
.cta-banner {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 70px 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 70% at 50% 50%, rgba(201,168,76,0.08) 0%, transparent 70%);
  pointer-events: none;
}

.cta-banner h2 { font-size: clamp(28px, 4vw, 44px); margin-bottom: 16px; }
.cta-banner p  { font-size: 16px; color: var(--muted); margin-bottom: 36px; max-width: 540px; margin-left: auto; margin-right: auto; }
.cta-actions   { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; }

/* ── Footer ── */
.footer {
  background: var(--dark);
  border-top: 1px solid var(--border);
  padding: 70px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
}

.footer-brand p {
  font-size: 14px;
  color: var(--muted);
  margin-top: 16px;
  line-height: 1.7;
  max-width: 280px;
}

.footer-col h5 {
  font-family: 'Inter', sans-serif;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 20px;
}

.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { font-size: 14px; color: var(--muted); transition: color var(--transition); }
.footer-col ul li a:hover { color: var(--gold); }

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 14px;
  font-size: 13px;
  color: var(--muted);
}

.footer-contact-icon { color: var(--gold); font-size: 15px; margin-top: 2px; flex-shrink: 0; }

.footer-bottom {
  border-top: 1px solid var(--border);
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-bottom p { font-size: 13px; color: var(--muted); }

.footer-legal { display: flex; gap: 20px; }
.footer-legal a { font-size: 13px; color: var(--muted); }
.footer-legal a:hover { color: var(--gold); }

/* ── Disclaimer Box ── */
.disclaimer-box {
  background: rgba(201,168,76,0.04);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: var(--radius);
  padding: 28px 32px;
  margin: 48px 0 0;
}

.disclaimer-box h6 {
  font-family: 'Inter', sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}

.disclaimer-box p { font-size: 11.5px; color: var(--muted); line-height: 1.75; }

/* ── Page Hero (inner pages) ── */
.page-hero {
  padding: 140px 0 70px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 50% 0%, rgba(201,168,76,0.07) 0%, transparent 70%);
  pointer-events: none;
}

.page-hero h1 { font-size: clamp(34px, 5vw, 56px); margin-bottom: 18px; }
.page-hero p  { font-size: 17px; color: var(--muted); max-width: 540px; margin: 0 auto; }

/* ── Legal Pages ── */
.legal-content {
  max-width: 820px;
  margin: 0 auto;
  padding: 80px 0;
}

.legal-content h2 {
  font-size: 26px;
  margin: 48px 0 16px;
  padding-top: 48px;
  border-top: 1px solid var(--border);
  color: var(--white);
}

.legal-content h2:first-child { margin-top: 0; padding-top: 0; border-top: none; }

.legal-content p  { font-size: 15px; color: var(--text); line-height: 1.8; margin-bottom: 16px; }
.legal-content ul { padding-left: 22px; margin-bottom: 16px; }
.legal-content ul li { font-size: 15px; color: var(--text); line-height: 1.8; margin-bottom: 8px; }
.legal-content a  { color: var(--gold); }

.last-updated {
  font-size: 13px;
  color: var(--muted);
  margin-bottom: 48px;
  padding: 14px 20px;
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 8px;
  display: inline-block;
}

/* ── Contact ── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 56px;
  align-items: start;
}

.contact-info-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 40px;
}

.contact-info-item {
  display: flex;
  gap: 18px;
  padding: 20px 0;
  border-bottom: 1px solid var(--border);
}

.contact-info-item:last-child { border-bottom: none; padding-bottom: 0; }
.contact-info-item:first-child { padding-top: 0; }

.ci-icon {
  width: 48px;
  height: 48px;
  background: var(--gold-dim);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}

.ci-label { font-size: 12px; color: var(--muted); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 4px; }
.ci-val   { font-size: 15px; color: var(--white); }

.contact-form-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 44px;
}

.contact-form-card h3 { font-size: 24px; margin-bottom: 8px; }
.contact-form-card .sub { font-size: 14px; color: var(--muted); margin-bottom: 32px; }

.form-group textarea {
  width: 100%;
  background: var(--dark);
  border: 1px solid var(--border);
  border-radius: 8px;
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  padding: 12px 16px;
  outline: none;
  resize: vertical;
  min-height: 130px;
  transition: border-color var(--transition);
}

.form-group textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
}

/* ── About ── */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.about-visual {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 50px 40px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.about-visual::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 60% at 50% 50%, rgba(201,168,76,0.06) 0%, transparent 70%);
}

.about-big-num {
  font-family: 'Playfair Display', serif;
  font-size: 80px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}

.about-big-label { font-size: 14px; color: var(--muted); margin-top: 6px; }

.about-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2px;
  margin-top: 32px;
  background: var(--border);
  border-radius: 10px;
  overflow: hidden;
}

.about-stat {
  background: var(--dark);
  padding: 20px;
  text-align: center;
}

.about-stat-num   { font-family: 'Playfair Display', serif; font-size: 28px; color: var(--white); font-weight: 700; }
.about-stat-label { font-size: 12px; color: var(--muted); margin-top: 4px; }

.values-list { margin-top: 36px; }
.value-item {
  display: flex;
  gap: 16px;
  padding: 18px 0;
  border-bottom: 1px solid var(--border);
}

.value-item:last-child { border-bottom: none; }

.value-dot {
  width: 8px;
  height: 8px;
  background: var(--gold);
  border-radius: 50%;
  margin-top: 8px;
  flex-shrink: 0;
}

.value-item h5 { font-size: 16px; margin-bottom: 4px; }
.value-item p  { font-size: 14px; color: var(--muted); }

/* ── Toast ── */
.toast {
  position: fixed;
  bottom: 30px;
  right: 30px;
  background: var(--card);
  border: 1px solid var(--gold);
  border-radius: 12px;
  padding: 16px 24px;
  font-size: 14px;
  color: var(--white);
  display: flex;
  align-items: center;
  gap: 10px;
  z-index: 9999;
  box-shadow: 0 12px 36px rgba(0,0,0,0.4);
  opacity: 0;
  transform: translateY(16px);
  transition: all 0.4s ease;
}

.toast.show { opacity: 1; transform: translateY(0); }
.toast-icon { font-size: 18px; }

/* ── State Availability Grid ── */
.states-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(140px, 1fr));
  gap: 10px;
  margin-top: 28px;
}

.state-badge-item {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 13px;
  color: var(--muted);
  text-align: center;
}

/* ── Responsive ── */
@media (max-width: 1024px) {
  .hero-inner     { grid-template-columns: 1fr; }
  .hero-desc      { max-width: 100%; }
  .steps-grid     { grid-template-columns: repeat(2, 1fr); }
  .features-grid  { grid-template-columns: repeat(2, 1fr); }
  .footer-grid    { grid-template-columns: 1fr 1fr; }
  .amounts-inner  { grid-template-columns: repeat(2, 1fr); }
  .contact-grid   { grid-template-columns: 1fr; }
  .about-grid     { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .section        { padding: 60px 0; }
  .navbar-nav     { display: none; }
  .navbar-toggle  { display: flex; }
  .steps-grid     { grid-template-columns: 1fr; }
  .features-grid  { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .footer-grid    { grid-template-columns: 1fr; }
  .amounts-inner  { grid-template-columns: 1fr 1fr; }
  .form-row       { grid-template-columns: 1fr; }
  .hero-trust     { flex-wrap: wrap; }
  .cta-banner     { padding: 50px 28px; }
  .footer-bottom  { flex-direction: column; text-align: center; }
  .footer-legal   { justify-content: center; }
  .loan-card      { padding: 28px 24px; }
}

@media (max-width: 480px) {
  .hero-actions   { flex-direction: column; }
  .btn-gold, .btn-outline { text-align: center; justify-content: center; }
  .cta-actions    { flex-direction: column; align-items: center; }
  .amounts-inner  { grid-template-columns: 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; }
}