/* ============================================
   RC Konsulten – Premium Stylesheet
   ============================================ */

:root {
  --color-navy: #0c1a2e;
  --color-navy-light: #152238;
  --color-navy-mid: #1e3050;
  --color-white: #ffffff;
  --color-off-white: #f8f9fb;
  --color-gray-100: #f1f3f6;
  --color-gray-200: #e2e6ec;
  --color-gray-300: #c5ccd6;
  --color-gray-400: #8b95a5;
  --color-gray-500: #5a6474;
  --color-gray-600: #3d4554;
  --color-gold: #c9a84c;
  --color-gold-light: #e8d5a0;
  --color-gold-dark: #a88a3a;

  --font-sans: 'DM Sans', system-ui, -apple-system, sans-serif;
  --font-serif: 'Playfair Display', Georgia, serif;

  --shadow-sm: 0 1px 3px rgba(12, 26, 46, 0.06);
  --shadow-md: 0 4px 20px rgba(12, 26, 46, 0.08);
  --shadow-lg: 0 12px 40px rgba(12, 26, 46, 0.12);
  --shadow-xl: 0 20px 60px rgba(12, 26, 46, 0.15);

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;

  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --header-height: 80px;
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--header-height);
}

body.lang-bn {
  font-family: 'Noto Sans Bengali', var(--font-sans);
}

body.lang-hi {
  font-family: 'Noto Sans Devanagari', var(--font-sans);
}

body {
  font-family: var(--font-sans);
  font-size: 1rem;
  line-height: 1.7;
  color: var(--color-gray-600);
  background: var(--color-white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; transition: color var(--transition); }
ul { list-style: none; }
button, input, select, textarea { font-family: inherit; font-size: inherit; }

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
}

.section {
  padding: 7rem 0;
}

.section--alt {
  background: var(--color-off-white);
}

.section--dark {
  background: var(--color-navy);
  color: var(--color-white);
}

.section__eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: 1rem;
}

.section__eyebrow--light {
  color: var(--color-gold-light);
}

.loan-promo .section__eyebrow--light {
  display: block;
  margin-bottom: 0.75rem;
}

.section__title {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 600;
  color: var(--color-navy);
  line-height: 1.25;
  margin-bottom: 1rem;
}

.section__title--center {
  text-align: center;
}

.section__title--light {
  color: var(--color-white);
}

.section__subtitle {
  font-size: 1.125rem;
  color: var(--color-gray-500);
  max-width: 600px;
  line-height: 1.7;
}

.section__header {
  margin-bottom: 4rem;
}

.section__header--center {
  text-align: center;
}

.section__header--center .section__subtitle {
  margin: 0 auto;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.9375rem 2.125rem;
  font-size: 0.9375rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  border-radius: 8px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background var(--transition), border-color var(--transition), color var(--transition), transform var(--transition), box-shadow var(--transition);
  white-space: nowrap;
}

.btn:focus-visible {
  outline: 2px solid var(--color-gold);
  outline-offset: 2px;
}

.btn--primary {
  background: linear-gradient(180deg, var(--color-gold) 0%, #c4a347 100%);
  color: var(--color-navy);
  border-color: var(--color-gold);
  box-shadow: 0 2px 8px rgba(201, 168, 76, 0.25);
}

.btn--primary:hover {
  background: var(--color-gold-dark);
  border-color: var(--color-gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201, 168, 76, 0.38);
}

.btn--outline {
  background: transparent;
  color: var(--color-white);
  border-color: rgba(255, 255, 255, 0.4);
}

.btn--outline:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.85);
  transform: translateY(-1px);
}

.btn--large {
  padding: 1rem 2.5rem;
  font-size: 1.05rem;
}

.btn--full {
  width: 100%;
}

/* ============================================
   Header / Navigation
   ============================================ */

.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--header-height);
  transition: all var(--transition);
}

.header--scrolled {
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(12px);
  box-shadow: var(--shadow-sm);
}

.header--scrolled .nav__link {
  color: var(--color-gray-600);
}

.header--scrolled .nav__logo-wordmark {
  color: var(--color-navy);
}

.header--scrolled .nav__toggle span {
  background: var(--color-navy);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.nav__end {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

/* Language switcher */
.lang-switcher {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.25rem;
  background: rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.header--scrolled .lang-switcher {
  background: var(--color-gray-100);
  border-color: var(--color-gray-200);
}

.lang-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 32px;
  padding: 2px 4px;
  border: 2px solid transparent;
  border-radius: 4px;
  background: transparent;
  cursor: pointer;
  transition: all var(--transition);
  line-height: 1;
}

.lang-flag {
  display: flex;
  align-items: center;
  justify-content: center;
  line-height: 0;
}

.lang-flag__svg {
  width: 26px;
  height: auto;
  display: block;
  border-radius: 2px;
  box-shadow: 0 1px 2px rgba(10, 22, 40, 0.18);
}

.lang-btn:hover {
  background: rgba(255, 255, 255, 0.12);
  transform: scale(1.05);
}

.header--scrolled .lang-btn:hover {
  background: var(--color-white);
}

.lang-btn--active {
  border-color: var(--color-gold);
  background: rgba(201, 168, 76, 0.2);
  box-shadow: 0 0 0 1px rgba(201, 168, 76, 0.35);
}

.header--scrolled .lang-btn--active {
  background: rgba(201, 168, 76, 0.15);
}

.nav__logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  z-index: 1001;
}

.nav__logo-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  flex-shrink: 0;
  background: linear-gradient(145deg, var(--color-gold) 0%, var(--color-gold-dark) 100%);
  color: var(--color-navy);
  font-family: var(--font-sans);
  font-weight: 700;
  font-size: 0.72rem;
  letter-spacing: -0.03em;
  border-radius: 10px;
  box-shadow: 0 2px 10px rgba(12, 26, 46, 0.18);
  transition: transform var(--transition), box-shadow var(--transition);
}

.nav__logo:hover .nav__logo-icon {
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(12, 26, 46, 0.22);
}

.nav__logo-wordmark {
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--color-white);
  transition: color var(--transition);
  line-height: 1.2;
}

.nav__logo-text {
  color: inherit;
}

.nav__logo-accent {
  color: var(--color-gold);
}

.nav__menu {
  display: flex;
  align-items: center;
  gap: 2.25rem;
}

.nav__link {
  font-size: 0.9rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.88);
  transition: color var(--transition);
  position: relative;
  padding: 0.25rem 0;
}

.nav__link::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--color-gold);
  transition: width var(--transition);
}

.nav__link:hover {
  color: var(--color-white);
}

.nav__link:hover::after {
  width: 100%;
}

.nav__link--cta {
  background: linear-gradient(180deg, var(--color-gold) 0%, #c4a347 100%);
  color: var(--color-navy) !important;
  padding: 0.65rem 1.625rem;
  border-radius: 8px;
  font-weight: 600;
  letter-spacing: 0.02em;
  box-shadow: 0 2px 8px rgba(201, 168, 76, 0.28);
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
}

.nav__link--cta::after {
  display: none;
}

.nav__link--cta:hover {
  background: var(--color-gold-dark);
  color: var(--color-navy) !important;
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(201, 168, 76, 0.35);
}

.header--scrolled .nav__link--cta {
  background: var(--color-gold);
  color: var(--color-navy) !important;
}

.nav__toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  z-index: 1001;
}

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

/* ============================================
   Hero
   ============================================ */

.hero {
  position: relative;
  isolation: isolate;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: calc(var(--header-height) + 4rem) 0 4rem;
  overflow: hidden;
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-mid) 50%, var(--color-navy-light) 100%);
}

.hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-mid) 50%, var(--color-navy-light) 100%);
}

.hero__bg::before {
  content: '';
  position: absolute;
  top: -30%;
  right: -20%;
  width: 70%;
  height: 140%;
  background: radial-gradient(ellipse, rgba(201, 168, 76, 0.08) 0%, transparent 70%);
}

.hero__content {
  position: relative;
  z-index: 1;
  width: 100%;
}

.hero__eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: 1.5rem;
}

.hero__title {
  font-family: var(--font-serif);
  font-size: clamp(2.5rem, 5.5vw, 4rem);
  font-weight: 600;
  color: var(--color-white);
  line-height: 1.15;
  margin-bottom: 1.5rem;
  max-width: 750px;
}

.hero__text {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.75);
  max-width: 560px;
  margin-bottom: 2.5rem;
  line-height: 1.8;
}

.hero__actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 3rem;
}

.hero__stats {
  display: flex;
  gap: 3rem;
  padding-top: 2.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

@media (prefers-reduced-motion: no-preference) {
  .hero__eyebrow {
    opacity: 0;
    animation: fadeUp 0.8s 0.2s forwards;
  }

  .hero__title {
    opacity: 0;
    animation: fadeUp 0.8s 0.4s forwards;
  }

  .hero__text {
    opacity: 0;
    animation: fadeUp 0.8s 0.6s forwards;
  }

  .hero__actions {
    opacity: 0;
    animation: fadeUp 0.8s 0.8s forwards;
  }

  .hero__stats {
    opacity: 0;
    animation: fadeUp 0.8s 1s forwards;
  }
}

.hero__stat {
  display: flex;
  flex-direction: column;
}

.hero__stat-number {
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--color-gold);
  line-height: 1.2;
}

.hero__stat-label {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.55);
  margin-top: 0.25rem;
}

/* ============================================
   About
   ============================================ */

.about__grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 5rem;
  align-items: center;
}

.about__visual {
  position: relative;
}

.about__card {
  background: var(--color-navy);
  color: var(--color-white);
  padding: 3rem;
  border-radius: var(--radius-lg);
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  transition: transform var(--transition), box-shadow var(--transition);
}

.about__card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-xl);
}

.about__card::before {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  width: 150px;
  height: 150px;
  background: radial-gradient(circle, rgba(201, 168, 76, 0.15), transparent 70%);
}

.about__card-icon {
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(201, 168, 76, 0.15);
  border-radius: var(--radius-md);
  color: var(--color-gold);
  margin-bottom: 1.5rem;
}

.about__card h3 {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  margin-bottom: 0.75rem;
}

.about__card p {
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.7;
}

.about__lead {
  font-size: 1.1rem;
  color: var(--color-gray-500);
  margin-bottom: 1.25rem;
}

.about__content p {
  margin-bottom: 1.25rem;
}

.about__list {
  margin-top: 2rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.about__list li {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-weight: 500;
  color: var(--color-navy);
}

.about__list li::before {
  content: '';
  width: 8px;
  height: 8px;
  background: var(--color-gold);
  border-radius: 50%;
  flex-shrink: 0;
}

/* ============================================
   Services
   ============================================ */

.services__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  align-items: stretch;
}

.service-card {
  display: flex;
  flex-direction: column;
  height: 100%;
  background: var(--color-white);
  padding: 2.25rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-gray-200);
  transition: all var(--transition);
}

.service-card:hover {
  border-color: transparent;
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.service-card--featured {
  grid-column: span 3;
  background: var(--color-navy);
  color: var(--color-white);
  border-color: var(--color-navy);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.service-card--featured:hover {
  box-shadow: var(--shadow-xl);
}

.service-card--featured .service-card__text {
  color: rgba(255, 255, 255, 0.7);
}

.service-card--featured .service-card__icon {
  background: rgba(201, 168, 76, 0.15);
  color: var(--color-gold);
}

.service-card__icon {
  width: 52px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--color-gray-100);
  border-radius: var(--radius-md);
  color: var(--color-navy);
  margin-bottom: 1.25rem;
  transition: all var(--transition);
}

.service-card:hover .service-card__icon {
  background: var(--color-navy);
  color: var(--color-gold);
}

.service-card__title {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--color-navy);
  margin-bottom: 0.75rem;
}

.service-card--featured .service-card__title {
  color: var(--color-white);
}

.service-card__text {
  flex: 1;
  font-size: 0.95rem;
  color: var(--color-gray-500);
  line-height: 1.7;
}

.service-card__link {
  display: inline-block;
  margin-top: 1.25rem;
  color: var(--color-gold);
  font-weight: 600;
  font-size: 0.95rem;
  transition: color var(--transition);
}

.service-card__link:hover {
  color: var(--color-gold-light);
}

.service-section-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  justify-content: center;
  margin-top: 2rem;
}

.faq-section {
  border-top: 1px solid var(--color-gray-200);
}

.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}

.faq-item {
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-md);
  padding: 1.4rem;
  box-shadow: var(--shadow-sm);
}

.faq-item h3 {
  font-family: var(--font-serif);
  font-size: 1.08rem;
  color: var(--color-navy);
  margin-bottom: 0.5rem;
}

.faq-item p {
  color: var(--color-gray-500);
  font-size: 0.95rem;
  line-height: 1.65;
}

.loan-faq {
  background: var(--color-gray-50);
  border-top: 1px solid var(--color-gray-200);
}

.loan-faq__list {
  max-width: 880px;
  margin: 0 auto;
  display: grid;
  gap: 0.85rem;
}

.loan-faq__item {
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}

.loan-faq__item summary {
  position: relative;
  min-height: 3.75rem;
  padding: 1.1rem 3.25rem 1.1rem 1.25rem;
  font-family: var(--font-serif);
  font-size: 1.05rem;
  font-weight: 600;
  line-height: 1.35;
  color: var(--color-navy);
  cursor: pointer;
  list-style: none;
}

.loan-faq__item summary::-webkit-details-marker {
  display: none;
}

.loan-faq__item summary::after {
  content: "+";
  position: absolute;
  top: 50%;
  right: 1.25rem;
  width: 1.75rem;
  height: 1.75rem;
  display: grid;
  place-items: center;
  border-radius: 999px;
  background: rgba(198, 161, 91, 0.14);
  color: var(--color-gold);
  font-family: var(--font-sans);
  font-size: 1.25rem;
  font-weight: 600;
  line-height: 1;
  transform: translateY(-50%);
}

.loan-faq__item[open] summary {
  border-bottom: 1px solid var(--color-gray-200);
}

.loan-faq__item[open] summary::after {
  content: "−";
}

.loan-faq__answer {
  padding: 1rem 1.25rem 1.2rem;
  color: var(--color-gray-500);
  font-size: 0.96rem;
  line-height: 1.7;
}

.loan-faq__answer p + p,
.loan-faq__answer p + ul {
  margin-top: 0.75rem;
}

.loan-faq__answer ul {
  margin: 0.75rem 0 0;
  padding-left: 1.2rem;
}

.loan-faq__answer li + li {
  margin-top: 0.35rem;
}

.cta-banner__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  justify-content: center;
}

.service-page {
  padding-top: var(--header-height);
}

.service-hero {
  background: var(--color-off-white);
  padding: 4rem 0 3rem;
}

.service-hero__content {
  max-width: 820px;
}

.service-hero__title {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--color-navy);
  line-height: 1.1;
  margin-bottom: 1rem;
}

.service-hero__text {
  color: var(--color-gray-500);
  font-size: 1.1rem;
  line-height: 1.75;
  max-width: 720px;
  margin-bottom: 1.5rem;
}

.service-hero__actions,
.service-cta__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
}

.service-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(280px, 0.7fr);
  gap: 3rem;
  align-items: start;
}

.service-content {
  display: grid;
  gap: 2rem;
}

.service-panel {
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
}

.service-panel h2,
.service-panel h3 {
  font-family: var(--font-serif);
  color: var(--color-navy);
  margin-bottom: 0.75rem;
}

.service-panel p,
.service-panel li {
  color: var(--color-gray-500);
  line-height: 1.7;
}

.service-panel ul,
.service-panel ol {
  display: grid;
  gap: 0.55rem;
  padding-left: 1.1rem;
}

.service-aside {
  position: sticky;
  top: calc(var(--header-height) + 1rem);
  display: grid;
  gap: 1rem;
}

.trust-list,
.related-links {
  display: grid;
  gap: 0.6rem;
  list-style: none;
  padding: 0;
}

.trust-list li {
  display: flex;
  gap: 0.55rem;
  align-items: flex-start;
}

.trust-list li::before {
  content: '✓';
  color: var(--color-gold-dark);
  font-weight: 700;
}

.related-links a {
  color: var(--color-navy);
  font-weight: 600;
}

.related-links a:hover {
  color: var(--color-gold-dark);
}

.service-cta {
  background: var(--color-navy);
  color: var(--color-white);
}

.service-cta__inner {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}

.service-cta h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.75rem, 3vw, 2.35rem);
  margin-bottom: 0.75rem;
}

.service-cta p {
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 1.5rem;
}

.service-cta__actions {
  justify-content: center;
}

/* ============================================
   Benefits
   ============================================ */

.benefits__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
}

.benefit {
  padding: 2rem 0;
}

.benefit__number {
  font-family: var(--font-serif);
  font-size: 2.5rem;
  font-weight: 600;
  color: var(--color-gold);
  opacity: 0.4;
  margin-bottom: 1rem;
  line-height: 1;
}

.benefit__title {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--color-navy);
  margin-bottom: 0.75rem;
}

.benefit__text {
  font-size: 0.95rem;
  color: var(--color-gray-500);
  line-height: 1.7;
}

/* Process steps */
.process {
  margin-top: 4rem;
  padding-top: 3rem;
  border-top: 1px solid var(--color-gray-200);
}

.process__title {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--color-navy);
  text-align: center;
  margin-bottom: 2.5rem;
}

.process__steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.process__step {
  text-align: center;
  padding: 1.5rem;
}

.process__number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  background: var(--color-navy);
  color: var(--color-gold);
  font-weight: 700;
  font-size: 1.25rem;
  border-radius: 50%;
  margin-bottom: 1rem;
}

.process__step h4 {
  font-family: var(--font-serif);
  font-size: 1.15rem;
  color: var(--color-navy);
  margin-bottom: 0.5rem;
}

.process__step p {
  font-size: 0.95rem;
  color: var(--color-gray-500);
}

/* Audience / För vem */
.section__subtitle--light {
  color: rgba(255, 255, 255, 0.65);
}

.audience__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.audience-card {
  background: var(--color-navy-light);
  padding: 2.5rem;
  border-radius: var(--radius-md);
  border: 1px solid rgba(255, 255, 255, 0.06);
  transition: all var(--transition);
}

.audience-card:hover {
  border-color: rgba(201, 168, 76, 0.25);
  transform: translateY(-2px);
}

.audience-card__title {
  font-family: var(--font-serif);
  font-size: 1.35rem;
  color: var(--color-white);
  margin-bottom: 0.75rem;
}

.audience-card__text {
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.7;
}

.contact__quick {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 2rem;
}

.btn--outline-dark {
  background: transparent;
  color: var(--color-navy);
  border: 2px solid var(--color-gray-300);
}

.btn--outline-dark:hover {
  border-color: var(--color-gold-dark);
  background: rgba(201, 168, 76, 0.06);
  color: var(--color-navy);
  transform: translateY(-1px);
  box-shadow: var(--shadow-sm);
}

/* ============================================
   Testimonials (legacy)
   ============================================ */

.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.testimonial {
  background: var(--color-navy-light);
  padding: 2.5rem;
  border-radius: var(--radius-md);
  border: 1px solid rgba(255, 255, 255, 0.06);
  transition: all var(--transition);
}

.testimonial:hover {
  border-color: rgba(201, 168, 76, 0.2);
  transform: translateY(-2px);
}

.testimonial__stars {
  color: var(--color-gold);
  font-size: 0.9rem;
  letter-spacing: 2px;
  margin-bottom: 1.25rem;
}

.testimonial__text {
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.8);
  line-height: 1.75;
  font-style: italic;
  margin-bottom: 2rem;
}

.testimonial__author {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.testimonial__avatar {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--color-gold);
  color: var(--color-navy);
  font-weight: 700;
  font-size: 0.85rem;
  border-radius: 50%;
  flex-shrink: 0;
}

.testimonial__name {
  font-style: normal;
  font-weight: 600;
  color: var(--color-white);
  display: block;
  font-size: 0.95rem;
}

.testimonial__role {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.45);
}

/* ============================================
   CTA Banner
   ============================================ */

.cta-banner {
  background: linear-gradient(135deg, var(--color-gold) 0%, var(--color-gold-dark) 100%);
  padding: 5rem 0;
}

.cta-banner__inner {
  text-align: center;
}

.cta-banner h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  font-weight: 600;
  color: var(--color-navy);
  margin-bottom: 1rem;
}

.cta-banner p {
  font-size: 1.1rem;
  color: var(--color-navy);
  opacity: 0.75;
  margin-bottom: 2rem;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}

.cta-banner .btn--primary {
  background: var(--color-navy);
  color: var(--color-white);
  border-color: var(--color-navy);
}

.cta-banner .btn--primary:hover {
  background: var(--color-navy-light);
  border-color: var(--color-navy-light);
  box-shadow: 0 4px 20px rgba(12, 26, 46, 0.3);
}

/* ============================================
   Contact
   ============================================ */

.contact__grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 5rem;
  align-items: start;
}

.contact__lead {
  font-size: 1.05rem;
  color: var(--color-gray-500);
  margin-bottom: 2.5rem;
}

.contact__details {
  display: flex;
  flex-direction: column;
  gap: 1.75rem;
}

.contact__detail {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.contact__detail svg {
  color: var(--color-gold);
  flex-shrink: 0;
  margin-top: 2px;
}

.contact__label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-gray-400);
  margin-bottom: 0.2rem;
}

.contact__detail a {
  color: var(--color-navy);
  font-weight: 500;
}

.contact__detail a:hover {
  color: var(--color-gold-dark);
}

.contact__social {
  margin-top: 2rem;
}

.social-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 0.65rem;
}

.social-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border: 1px solid var(--color-gray-200);
  border-radius: 50%;
  color: var(--color-navy);
  background: var(--color-white);
  transition: color var(--transition), border-color var(--transition), background var(--transition), transform var(--transition);
}

.social-link svg {
  width: 18px;
  height: 18px;
}

.social-link svg path {
  fill: currentColor;
}

.social-link svg rect,
.social-link svg circle {
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
}

.social-link:hover {
  color: var(--color-gold-dark);
  border-color: rgba(201, 168, 76, 0.45);
  background: var(--color-off-white);
  transform: translateY(-1px);
}

.contact__form {
  background: var(--color-off-white);
  padding: 2.5rem;
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-gray-200);
  box-shadow: var(--shadow-sm);
}

.form__group {
  margin-bottom: 1.25rem;
}

.form__group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-navy);
  margin-bottom: 0.4rem;
}

.form__group input,
.form__group select,
.form__group textarea {
  width: 100%;
  padding: 0.8rem 1rem;
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-sm);
  background: var(--color-white);
  color: var(--color-gray-600);
  transition: border-color var(--transition), box-shadow var(--transition);
}

.form__group input:focus,
.form__group select:focus,
.form__group textarea:focus {
  outline: none;
  border-color: var(--color-gold);
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.15);
}

.form__group input::placeholder,
.form__group textarea::placeholder {
  color: var(--color-gray-300);
}

.form__group textarea {
  resize: vertical;
  min-height: 100px;
}

.form__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.form__honey {
  position: absolute;
  left: -9999px;
  opacity: 0;
  pointer-events: none;
}

.form__link-btn {
  background: none;
  border: none;
  padding: 0;
  font: inherit;
  color: var(--color-navy);
  text-decoration: underline;
  cursor: pointer;
  font-weight: 600;
}

.form__link-btn:hover {
  color: var(--color-gold);
}

.form__status--html {
  text-align: left;
  line-height: 1.6;
}

.form__status {
  text-align: center;
  font-size: 0.9rem;
  margin-top: 0.75rem;
  min-height: 1.25rem;
}

.form__status--success {
  color: #2d8a5e;
  font-weight: 500;
}

.form__status--error {
  color: #c0392b;
  font-weight: 500;
}

.loan-form.form--success .btn--primary,
.consultant-form.form--success .btn--primary {
  background: #2d8a5e;
  border-color: #2d8a5e;
  color: var(--color-white);
  box-shadow: 0 2px 8px rgba(45, 138, 94, 0.3);
}

.form__note {
  text-align: center;
  font-size: 0.8rem;
  color: var(--color-gray-400);
  margin-top: 1rem;
}

.form__note a {
  color: var(--color-navy);
  font-weight: 500;
  text-decoration: underline;
}

.form__note a:hover {
  color: var(--color-gold-dark);
}

/* Active nav link */
.nav__link--active {
  color: var(--color-gold) !important;
}

.nav__link--active::after {
  width: 100%;
}

.header--scrolled .nav__link--active {
  color: var(--color-gold-dark) !important;
}

/* ============================================
   Privatlån / Förbedömning
   ============================================ */

.loan-page {
  padding-top: var(--header-height);
}

.loan-hero {
  background: var(--color-off-white);
  padding: 4rem 0 3rem;
  border-bottom: 1px solid var(--color-gray-200);
}

.loan-hero__title {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 2.75rem);
  color: var(--color-navy);
  margin-bottom: 1rem;
}

.loan-hero__text {
  font-size: 1.1rem;
  color: var(--color-gray-500);
  max-width: 640px;
  margin-bottom: 2.5rem;
}

.loan-hero__features {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.loan-feature {
  background: var(--color-white);
  padding: 1.5rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-gray-200);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), border-color var(--transition);
}

.loan-feature:hover {
  border-color: rgba(201, 168, 76, 0.35);
  box-shadow: var(--shadow-md);
}

.loan-feature strong {
  display: block;
  color: var(--color-navy);
  font-size: 0.95rem;
  margin-bottom: 0.35rem;
}

.loan-feature span {
  font-size: 0.85rem;
  color: var(--color-gray-500);
}

.loan-form-section {
  padding: 4rem 0 6rem;
}

.container--narrow {
  max-width: 820px;
}

.loan-form,
.consultant-form {
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
}

.loan-form__section,
.consultant-form__section {
  border: none;
  margin: 0 0 2.5rem;
  padding: 0 0 2rem;
  border-bottom: 1px solid var(--color-gray-200);
}

.loan-form__section:last-of-type,
.consultant-form__section:last-of-type {
  border-bottom: none;
  padding-bottom: 0;
  margin-bottom: 1.5rem;
}

.loan-form__section legend,
.consultant-form__section legend {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--color-navy);
  padding: 0 0 1.25rem;
  width: 100%;
}

/* Checkbox Grid Styles */
.form__checkbox-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
  gap: 0.75rem;
  margin-top: 1rem;
  margin-bottom: 1.5rem;
}

.form__checkbox {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.95rem;
  color: var(--color-gray-600);
  cursor: pointer;
  padding: 0.75rem 1rem;
  background: var(--color-off-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-sm);
  transition: all var(--transition);
  user-select: none;
}

.form__checkbox:hover {
  border-color: var(--color-gold);
  background: var(--color-white);
  box-shadow: var(--shadow-sm);
  transform: translateY(-1px);
}

.form__checkbox input {
  width: auto;
  accent-color: var(--color-gold);
  flex-shrink: 0;
  cursor: pointer;
}

.form__row--3 {
  grid-template-columns: 2fr 1fr 1fr;
}

.form__label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-navy);
  margin-bottom: 0.6rem;
}

.form__radios {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.form__radio {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.95rem;
  color: var(--color-gray-600);
  cursor: pointer;
}

.form__radio input {
  width: auto;
  accent-color: var(--color-gold);
}

.form__hint {
  font-size: 0.8rem;
  color: var(--color-gray-400);
  margin-top: 0.4rem;
}

.form__file-name {
  font-size: 0.9rem;
  color: var(--color-navy);
  font-weight: 500;
  margin-top: 0.5rem;
  padding: 0.5rem 0.75rem;
  background: var(--color-gray-100);
  border-radius: var(--radius-sm);
  white-space: pre-line;
  line-height: 1.5;
}

.form__attachments {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-bottom: 0.75rem;
}

.form__file-row {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.form__file-row-label {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--color-gray-500);
}

.form__file-row--hidden {
  display: none;
}

.form__file-row input[type="file"] {
  width: 100%;
  padding: 0.65rem 0.75rem;
  border: 1px dashed var(--color-gray-300);
  border-radius: var(--radius-sm);
  background: var(--color-off-white);
  font-size: 0.9rem;
}

.form__add-file {
  display: inline-flex;
  align-items: center;
  margin-bottom: 0.75rem;
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-navy);
  background: transparent;
  border: 2px solid var(--color-gray-300);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all var(--transition);
}

.form__add-file:hover:not(:disabled) {
  border-color: var(--color-gold-dark);
  background: rgba(201, 168, 76, 0.06);
}

.form__add-file:disabled {
  opacity: 0.45;
  cursor: not-allowed;
}

.loan-form input[type="file"] {
  width: 100%;
  padding: 0.75rem;
  border: 1px dashed var(--color-gray-300);
  border-radius: var(--radius-sm);
  background: var(--color-off-white);
  font-size: 0.9rem;
}

/* Loan promo on homepage */
.loan-promo {
  background: var(--color-navy);
  padding: 4rem 0;
}

.loan-promo__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  flex-wrap: wrap;
}

.loan-promo h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: var(--color-white);
  margin-bottom: 0.5rem;
}

.loan-promo p {
  color: rgba(255, 255, 255, 0.7);
  max-width: 520px;
}

.loan-promo .btn--primary {
  flex-shrink: 0;
}

.loan-promo__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  flex-shrink: 0;
}

.loan-promo__btn-outline {
  color: var(--color-white) !important;
  border-color: rgba(255, 255, 255, 0.4) !important;
}

.loan-promo__btn-outline:hover {
  background: rgba(255, 255, 255, 0.1) !important;
  border-color: var(--color-white) !important;
}

/* Nav dropdown – Privatlån */
.nav__dropdown {
  position: relative;
}

.nav__submenu {
  position: absolute;
  top: 100%;
  right: 0;
  min-width: 200px;
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 0.5rem 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: all var(--transition);
  z-index: 1002;
}

.nav__dropdown:hover .nav__submenu,
.nav__dropdown:focus-within .nav__submenu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav__submenu a {
  display: block;
  padding: 0.65rem 1.25rem;
  font-size: 0.9rem;
  color: var(--color-gray-600);
  transition: background var(--transition), color var(--transition);
}

.nav__submenu a:hover {
  background: var(--color-off-white);
  color: var(--color-navy);
}

.nav__submenu-link--active {
  color: var(--color-navy);
  font-weight: 600;
}

.consultant-preview__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
}

.consultant-preview__card {
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
}

.consultant-preview__card h3 {
  font-family: var(--font-serif);
  font-size: 1.15rem;
  color: var(--color-navy);
  margin-bottom: 0.75rem;
}

.consultant-preview__card p {
  font-size: 0.95rem;
  color: var(--color-gray-600);
  line-height: 1.6;
  margin: 0;
}

.consultant-next__inner {
  text-align: center;
  max-width: 640px;
  margin: 0 auto;
}

.consultant-next__inner h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: var(--color-navy);
  margin-bottom: 1rem;
}

.consultant-next__inner > p {
  color: var(--color-gray-600);
  margin-bottom: 2rem;
  line-height: 1.7;
}

.consultant-next__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: center;
}

/* Jämför privatlån */
.compare-page {
  padding-top: var(--header-height);
}

.compare-hero {
  background: var(--color-off-white);
  padding: 4rem 0 3.5rem;
  text-align: center;
  border-bottom: 1px solid var(--color-gray-200);
}

.compare-hero__title {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 2.75rem);
  color: var(--color-navy);
  margin-bottom: 1rem;
}

.compare-hero__text {
  font-size: 1.1rem;
  color: var(--color-gray-500);
  max-width: 640px;
  margin: 0 auto 2rem;
}

.compare-partners {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: center;
}

.compare-partners--hero {
  margin-top: 0.5rem;
}

.btn-partner {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 1rem 2rem;
  font-size: 1rem;
  font-weight: 600;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  transition: all var(--transition);
  min-width: 220px;
}

.btn-partner--zmarta {
  background: #f5d4d8;
  color: var(--color-navy);
  border-color: #e8b4bb;
}

.btn-partner--zmarta:hover {
  background: #efc4ca;
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-partner--axo {
  background: var(--color-white);
  color: var(--color-navy);
  border-color: var(--color-gray-300);
}

.btn-partner--axo:hover {
  border-color: var(--color-navy);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.compare-benefits {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 2.5rem;
}

.compare-benefit {
  text-align: center;
  padding: 2rem 1.5rem;
  background: var(--color-white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-md);
}

.compare-benefit h3 {
  font-family: var(--font-serif);
  font-size: 1.2rem;
  color: var(--color-navy);
  margin-bottom: 0.75rem;
}

.compare-benefit p {
  font-size: 0.95rem;
  color: var(--color-gray-500);
  line-height: 1.7;
}

.compare-cta {
  background: var(--color-navy);
  color: var(--color-white);
  text-align: center;
}

.compare-cta h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.75rem, 3vw, 2.25rem);
  margin-bottom: 0.75rem;
}

.compare-cta p {
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 2rem;
}

.compare-cta__inner {
  max-width: 720px;
  margin: 0 auto;
}

.compare-disclaimer {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.5);
  margin-top: 2rem;
  line-height: 1.6;
}

.compare-alt {
  margin-top: 1.5rem;
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.8);
}

.compare-alt a {
  color: var(--color-gold);
  font-weight: 600;
  margin-left: 0.35rem;
}

.compare-alt a:hover {
  color: var(--color-gold-light);
}

@media (max-width: 768px) {
  .compare-benefits {
    grid-template-columns: 1fr;
  }

  .btn-partner {
    width: 100%;
    min-width: 0;
  }

  .nav__submenu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    background: transparent;
    padding: 0 0 0 1rem;
    margin-top: 0.25rem;
  }

  .nav__submenu a {
    padding: 0.5rem 0;
    color: rgba(255, 255, 255, 0.7);
    border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  }

  .header--scrolled .nav__submenu a {
    color: var(--color-gray-500);
  }
}

@media (max-width: 768px) {
  .loan-hero__features {
    grid-template-columns: 1fr;
  }

  .loan-form {
    padding: 1.5rem;
  }

  .form__row--3 {
    grid-template-columns: 1fr;
  }

  .loan-promo__inner {
    flex-direction: column;
    align-items: flex-start;
  }
}

/* ============================================
   Footer
   ============================================ */

.footer {
  background: var(--color-navy);
  color: rgba(255, 255, 255, 0.65);
  padding-top: 5rem;
}

.footer__grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 4rem;
}

.footer__logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--color-white);
  margin-bottom: 1.25rem;
}

.footer__tagline {
  font-size: 0.9rem;
  line-height: 1.7;
  max-width: 300px;
}

.social-links--footer {
  margin-top: 1.25rem;
}

.footer .social-link {
  color: rgba(255, 255, 255, 0.78);
  background: rgba(255, 255, 255, 0.04);
  border-color: rgba(255, 255, 255, 0.16);
}

.footer .social-link:hover {
  color: var(--color-gold);
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(201, 168, 76, 0.5);
}

.footer__links h4 {
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-white);
  margin-bottom: 1.25rem;
}

.footer__links li {
  margin-bottom: 0.6rem;
}

.footer__links a {
  font-size: 0.9rem;
  transition: color var(--transition);
}

.footer__links a:hover {
  color: var(--color-gold);
}

.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.5rem 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.85rem;
}

.footer__legal {
  display: flex;
  gap: 2rem;
}

.footer__legal a:hover {
  color: var(--color-gold);
}

/* ============================================
   Animations
   ============================================ */

@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Form success state */
.form--success .btn--primary {
  background: #2d8a5e;
  border-color: #2d8a5e;
}

/* ============================================
   Trust bar (startsida)
   ============================================ */

.trust-bar {
  background: var(--color-off-white);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  border-bottom: 1px solid var(--color-gray-200);
  padding: 1.125rem 0;
  margin-top: 0;
}

.trust-bar__list {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 0.625rem 1.75rem;
}

.trust-bar__item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-gray-500);
  line-height: 1.4;
}

.trust-bar__icon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 1.375rem;
  height: 1.375rem;
  color: var(--color-gold-dark);
  background: rgba(201, 168, 76, 0.12);
  border-radius: 50%;
}

.trust-bar__icon svg {
  width: 0.65rem;
  height: 0.65rem;
}

/* ============================================
   Responsive
   ============================================ */

@media (max-width: 1024px) {
  .services__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .service-card--featured {
    grid-column: span 2;
  }

  .benefits__grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .process__steps,
  .audience__grid {
    grid-template-columns: 1fr;
    max-width: 500px;
    margin: 0 auto;
  }

  .testimonials__grid {
    grid-template-columns: 1fr;
    max-width: 600px;
    margin: 0 auto;
  }

  .footer__grid {
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
  }
}

@media (max-width: 768px) {
  :root {
    --header-height: 68px;
  }

  .section {
    padding: 5rem 0;
  }

  .container {
    padding: 0 1.25rem;
  }

  .nav__logo-wordmark {
    display: none;
  }

  .nav__logo-icon {
    width: 44px;
    height: 44px;
    font-size: 0.8rem;
    border-radius: 11px;
  }

  .nav__end {
    gap: 0.75rem;
  }

  .hero {
    min-height: auto;
    padding: calc(var(--header-height) + 2.5rem) 0 4rem;
  }

  .hero__title {
    font-size: clamp(1.75rem, 7vw, 2.25rem);
  }

  .hero__text {
    font-size: 1rem;
  }

  .trust-bar {
    padding: 1rem 0;
  }

  .trust-bar__list {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.5rem;
    max-width: 100%;
  }

  .trust-bar__item {
    font-size: 0.8rem;
  }

  .about__card {
    padding: 2rem;
  }

  .loan-hero {
    padding: calc(var(--header-height) + 1.5rem) 0 2.5rem;
  }

  .loan-hero__features {
    grid-template-columns: 1fr;
  }

  .loan-form,
  .consultant-form {
    padding: 1.75rem;
  }

  .lang-switcher {
    margin-left: auto;
  }

  .nav__menu.active ~ .lang-switcher,
  .nav__end .lang-switcher {
    z-index: 1002;
  }

  .nav__toggle {
    display: flex;
  }

  .nav__menu {
    position: fixed;
    top: 0;
    right: -100%;
    width: 80%;
    max-width: 360px;
    height: 100vh;
    background: var(--color-navy);
    flex-direction: column;
    align-items: flex-start;
    padding: calc(var(--header-height) + 2rem) 2.5rem 2rem;
    gap: 0;
    transition: right var(--transition);
    box-shadow: var(--shadow-xl);
  }

  .nav__menu.active {
    right: 0;
  }

  .nav__menu li {
    width: 100%;
  }

  .nav__link {
    display: block;
    padding: 0.9rem 0;
    font-size: 1.05rem;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.9);
    border-bottom: 1px solid rgba(255, 255, 255, 0.06);
    transition: color var(--transition), padding-left var(--transition);
  }

  .nav__link:hover {
    color: var(--color-gold-light);
    padding-left: 0.25rem;
  }

  .nav__link::after {
    display: none;
  }

  .nav__link--cta {
    margin-top: 1rem;
    text-align: center;
    border: none;
    padding: 0.85rem 1.5rem;
  }

  .nav__link--cta:hover {
    padding-left: 1.5rem;
  }

  .nav__toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
  }

  .nav__toggle.active span:nth-child(2) {
    opacity: 0;
  }

  .nav__toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
  }

  .hero__stats {
    gap: 2rem;
  }

  .about__grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }

  .services__grid {
    grid-template-columns: 1fr;
  }

  .service-card--featured {
    grid-column: span 1;
  }

  .faq-grid,
  .service-layout {
    grid-template-columns: 1fr;
  }

  .service-aside {
    position: static;
  }

  .service-hero {
    padding: calc(var(--header-height) + 1.5rem) 0 2.5rem;
  }

  .service-panel {
    padding: 1.35rem;
  }

  .benefits__grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

  .contact__grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }

  .form__row {
    grid-template-columns: 1fr;
  }

  .footer__grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .footer__bottom {
    flex-direction: column;
    gap: 1rem;
    text-align: center;
  }
}

@media (max-width: 480px) {
  :root {
    --header-height: 64px;
  }

  .btn {
    padding: 0.875rem 1.5rem;
    font-size: 0.9rem;
    white-space: normal;
    text-align: center;
  }

  .hero__actions {
    flex-direction: column;
    width: 100%;
  }

  .hero__actions .btn {
    width: 100%;
  }

  .hero__stats {
    flex-direction: column;
    gap: 1.5rem;
  }

  .contact__form {
    padding: 1.5rem;
  }

  .contact__quick .btn {
    flex: 1 1 100%;
  }

  .loan-promo__actions {
    width: 100%;
  }

  .loan-promo__actions .btn {
    flex: 1 1 100%;
    justify-content: center;
  }
}

.form__group input,
.form__group select,
.form__group textarea,
.loan-form input,
.loan-form select,
.loan-form textarea,
.consultant-form input,
.consultant-form select,
.consultant-form textarea {
  max-width: 100%;
}