/* ============================================
   Meloan — "Fresh & Trusted" Design System 3.0
   Modern FinTech Experience
   ============================================ */

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

:root {
  /* Primary — Warm Red */
  --primary: #e63946;
  --primary-dark: #c62d38;
  --primary-light: #ff4d5a;
  --primary-container: #ffe0e3;
  --primary-glow: rgba(230,57,70,0.2);
  --primary-soft: rgba(230,57,70,0.06);

  /* Secondary — Warm Slate */
  --secondary: #2d3748;
  --secondary-container: #edf2f7;
  --secondary-soft: rgba(45,55,72,0.06);

  /* Tertiary — Warm Amber */
  --accent: #e8a838;
  --accent-light: #fbbf24;
  --accent-container: #d69e2e;
  --accent-soft: rgba(232,168,56,0.06);

  /* Surface Hierarchy (Clean White) */
  --bg: #ffffff;
  --bg-alt: #f9f9f9;
  --bg-card: #ffffff;
  --bg-elevated: #f0f0f0;
  --bg-muted: #e8e8e8;
  --bg-dark: #1a1a2e;
  --bg-dark-card: rgba(255,255,255,0.06);

  /* Text */
  --text: #1a1a2e;
  --text-secondary: #4a4a5a;
  --text-muted: #8a8a9a;
  --text-on-dark: #f5f5f5;
  --text-on-dark-muted: #a0a0b0;

  /* Borders */
  --border: rgba(0,0,0,0.08);
  --border-hover: rgba(230,57,70,0.25);
  --outline: #c0c0c0;
  --outline-variant: #d8d8d8;

  /* Tinted Shadows (teal-tinted for freshness) */
  --shadow-sm: 0 1px 3px rgba(15,23,42,0.04);
  --shadow: 0 4px 16px rgba(15,23,42,0.06);
  --shadow-md: 0 8px 24px rgba(15,23,42,0.07);
  --shadow-lg: 0 20px 40px rgba(15,23,42,0.08);
  --shadow-xl: 0 24px 56px rgba(15,23,42,0.10);
  --shadow-glow: 0 8px 32px var(--primary-glow);

  /* Radii — 0.75rem & 1.5rem system */
  --r-sm: 0.75rem;
  --r-md: 0.75rem;
  --r-lg: 1.5rem;
  --r-xl: 2rem;
  --r-full: 9999px;

  /* Motion */
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  --t-fast: 0.2s var(--ease);
  --t-normal: 0.4s var(--ease);
  --t-slow: 0.6s var(--ease);

  --container: 1200px;
}

html { scroll-behavior: smooth; font-size: 16px; -webkit-font-smoothing: antialiased; }

body {
  font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--text);
  line-height: 1.65;
  background: var(--bg);
  overflow-x: hidden;
}

a { text-decoration: none; color: inherit; transition: color var(--t-fast); }
ul { list-style: none; }
img { max-width: 100%; height: auto; display: block; }

h1, h2, h3, h4, h5, h6 {
  font-family: 'Plus Jakarta Sans', sans-serif;
  color: var(--text);
  line-height: 1.12;
  font-weight: 800;
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2.4rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.5rem); }
h3 { font-size: 1.4rem; }
h4 { font-size: 1.15rem; }

p { margin-bottom: 1rem; }

.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: 100px 0; position: relative; }

/* --- Section Title --- */
.section-title { text-align: center; margin-bottom: 56px; }
.section-title h2 { margin-bottom: 14px; }
.section-title h2 .accent { color: var(--primary); }
.section-title p { color: var(--text-secondary); font-size: 1.08rem; max-width: 520px; margin: 0 auto; line-height: 1.7; }

/* --- Scroll Reveal --- */
.reveal { opacity: 0; transform: translateY(36px); transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); }
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.25s; }
.reveal-delay-4 { transition-delay: 0.35s; }
.reveal-delay-5 { transition-delay: 0.45s; }

/* ==================== BUTTONS ==================== */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 14px 34px; border-radius: var(--r-full);
  font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 700; font-size: 0.93rem;
  cursor: pointer; border: none; transition: all var(--t-fast);
  gap: 8px; white-space: nowrap; position: relative; letter-spacing: 0.01em;
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary), var(--primary-light)); color: #ffffff !important;
  box-shadow: 0 4px 16px var(--primary-glow);
}
.btn-primary:hover {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary)); color: #ffffff !important;
  transform: translateY(-2px); box-shadow: 0 8px 28px var(--primary-glow);
}

.btn-outline {
  background: var(--bg-muted); color: var(--primary); border: none;
  font-weight: 700;
}
.btn-outline:hover {
  background: var(--primary); color: #fff; box-shadow: var(--shadow-glow);
}

.btn-white {
  background: #fff; color: var(--primary); font-weight: 800;
}
.btn-white:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }

.btn-ghost {
  background: rgba(255,255,255,0.12); color: #fff; border: 1px solid rgba(255,255,255,0.2);
  backdrop-filter: blur(8px);
}
.btn-ghost:hover { background: rgba(255,255,255,0.2); border-color: rgba(255,255,255,0.35); }

.btn-accent {
  background: var(--accent); color: #fff;
}
.btn-accent:hover { background: #d97706; transform: translateY(-2px); }

.btn-lg { padding: 17px 42px; font-size: 1.02rem; }
.btn-sm { padding: 10px 24px; font-size: 0.85rem; }

/* ==================== HEADER ==================== */
.header {
  position: fixed; top: 0; left: 0; width: 100%; z-index: 1000;
  background: rgba(255,255,255,0.9);
  backdrop-filter: blur(24px) saturate(180%); -webkit-backdrop-filter: blur(24px) saturate(180%);
  border-bottom: 1px solid transparent; transition: all var(--t-normal);
}
.header.scrolled { border-bottom-color: rgba(0,0,0,0.06); box-shadow: 0 1px 20px rgba(230,57,70,0.04); }

.header-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; }

.logo {
  display: flex; align-items: center; gap: 10px;
  font-size: 1.5rem; font-weight: 800; color: var(--text); letter-spacing: -0.03em;
}
.logo .logo-text .me { color: inherit; }
.logo .logo-text .loan { color: var(--primary); }
.logo span { color: var(--primary); }

.logo-icon-svg {
  width: 40px; height: 40px; flex-shrink: 0;
  filter: drop-shadow(0 2px 8px var(--primary-glow));
  transition: transform 0.4s var(--ease);
}
.logo:hover .logo-icon-svg { transform: translateX(2px) scale(1.05); }

.logo-icon { display: none; }

.nav-menu { display: flex; align-items: center; gap: 32px; }
.nav-menu a { font-weight: 600; color: var(--text-secondary); position: relative; padding: 4px 0; font-size: 0.93rem; }
.nav-menu a:hover, .nav-menu a.active { color: var(--primary); }
.nav-menu a::after {
  content: ''; position: absolute; bottom: -4px; left: 0; width: 0; height: 2.5px;
  background: var(--primary); transition: width var(--t-fast); border-radius: 2px;
}
.nav-menu a:hover::after, .nav-menu a.active::after { width: 100%; }
.nav-cta a::after { display: none; }
.nav-cta { margin-left: 12px; }
.nav-cta .btn { padding: 11px 26px; font-size: 0.88rem; }

.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 5px; background: none; border: none; }
.hamburger span { display: block; width: 22px; height: 2px; background: var(--text); transition: all var(--t-fast); border-radius: 2px; }
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ==================== HERO ==================== */
.hero {
  min-height: 100vh; display: flex; align-items: center;
  position: relative; overflow: hidden; color: #fff;
}

.hero-bg {
  position: absolute; inset: 0; z-index: 0;
}
.hero-bg img {
  width: 100%; height: 100%; object-fit: cover; object-position: center 20%;
}
.hero-bg::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(26,26,46,0.85) 0%, rgba(230,57,70,0.65) 50%, rgba(232,168,56,0.4) 100%);
}

.hero-grid-bg { display: none; }

.hero-content {
  display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center;
  position: relative; z-index: 2; padding: 140px 0 100px;
}

.hero-text { animation: fadeUp 0.8s var(--ease) both; }

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(28px); }
  to { opacity: 1; transform: translateY(0); }
}

.hero-text .badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 7px 18px; background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.18); border-radius: var(--r-full);
  font-size: 0.78rem; color: rgba(255,255,255,0.9); margin-bottom: 24px;
  backdrop-filter: blur(8px); letter-spacing: 0.05em; text-transform: uppercase; font-weight: 700;
}
.hero-text .badge .dot {
  width: 7px; height: 7px; background: var(--accent-light); border-radius: 50%;
  animation: pulse 2s ease-in-out infinite;
  box-shadow: 0 0 6px rgba(255,185,95,0.5);
}
@keyframes pulse {
  0%, 100% { opacity: 1; box-shadow: 0 0 0 0 rgba(255,107,129,0.4); }
  50% { opacity: 0.7; box-shadow: 0 0 0 6px transparent; }
}

.hero-text h1 { color: #fff; margin-bottom: 20px; line-height: 1.1; letter-spacing: -0.035em; }
.hero-text h1 .highlight {
  background: linear-gradient(135deg, var(--accent-light), #fde68a);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}

.hero-text > p { color: rgba(255,255,255,0.85); font-size: 1.12rem; margin-bottom: 32px; max-width: 460px; line-height: 1.75; }

.hero-cta-group { display: flex; gap: 14px; align-items: center; margin-bottom: 44px; }

.hero-badges { display: flex; gap: 24px; }
.hero-badge { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,0.8); font-size: 0.86rem; font-weight: 500; }
.hero-badge svg { color: var(--accent-light); flex-shrink: 0; }

/* ==================== CALCULATOR CARD ==================== */
.calculator-card {
  background: #ffffff; border: none;
  border-radius: var(--r-xl); padding: 40px; color: var(--text);
  animation: fadeUp 0.8s 0.25s var(--ease) both;
  box-shadow: 0 24px 64px rgba(0,0,0,0.22), 0 8px 20px rgba(0,0,0,0.08);
  min-width: 0; width: 100%;
}
.calculator-card h3 {
  text-align: center; margin-bottom: 28px; font-size: 1.3rem; color: var(--text);
  font-weight: 800; letter-spacing: -0.02em;
}

.slider-group { margin-bottom: 26px; }
.slider-label { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 12px; }
.slider-label span { font-size: 0.88rem; color: var(--text-secondary); font-weight: 500; }
.slider-value { font-size: 1.4rem; font-weight: 800; color: var(--text); white-space: nowrap; letter-spacing: -0.02em; min-width: 140px; text-align: right; }

.range-slider {
  -webkit-appearance: none; width: 100%; height: 6px; border-radius: 4px;
  background: var(--bg-elevated); outline: none; cursor: pointer;
}
.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%;
  background: var(--primary); cursor: pointer; border: 3px solid #fff;
  box-shadow: 0 2px 8px var(--primary-glow); transition: all var(--t-fast);
}
.range-slider::-webkit-slider-thumb:hover { transform: scale(1.15); box-shadow: 0 0 0 6px rgba(230,57,70,0.12); }
.range-slider::-moz-range-thumb {
  width: 24px; height: 24px; border-radius: 50%;
  background: var(--primary); cursor: pointer; border: 3px solid #fff;
}

.slider-range-labels { display: flex; justify-content: space-between; margin-top: 8px; font-size: 0.75rem; color: var(--text-secondary); }

.calc-summary {
  background: var(--bg-alt); border: none;
  border-radius: var(--r-md); padding: 20px 24px; margin: 28px 0;
}
.calc-summary-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; gap: 12px; }
.calc-summary-row:not(:last-child) { border-bottom: 1px solid rgba(0,0,0,0.05); }
.calc-summary-row .label { color: var(--text-secondary); font-size: 0.88rem; white-space: nowrap; flex-shrink: 0; font-weight: 500; }
.calc-summary-row .value { font-weight: 700; color: var(--text); font-size: 1rem; text-align: right; white-space: nowrap; }
.calc-summary-row .value.highlight { color: var(--primary); font-size: 1.15rem; font-weight: 800; }

.calculator-card > .btn {
  width: 100%; margin-top: 4px; position: relative; overflow: hidden;
  animation: cta-pulse 2.5s ease-in-out infinite;
}
.calculator-card > .btn::after {
  content: ''; position: absolute; top: 0; left: -100%; width: 60%; height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.25), transparent);
  animation: cta-shimmer 2.5s ease-in-out infinite;
}
@keyframes cta-pulse {
  0%, 100% { box-shadow: 0 4px 16px var(--primary-glow); transform: scale(1); }
  50% { box-shadow: 0 6px 28px rgba(230,57,70,0.35); transform: scale(1.02); }
}
@keyframes cta-shimmer {
  0%, 100% { left: -100%; }
  50% { left: 120%; }
}

/* ==================== TRUST STRIP ==================== */
.trust-strip {
  background: var(--bg-dark); border-top: none;
  padding: 20px 0; overflow: hidden;
}
.trust-strip-inner {
  display: flex; align-items: center; justify-content: center; gap: 40px;
  color: rgba(255,255,255,0.4); font-size: 0.8rem; text-transform: uppercase;
  letter-spacing: 0.08em; font-weight: 600;
}
.trust-strip-inner span { white-space: nowrap; }
.trust-strip-inner .divider { width: 4px; height: 4px; background: rgba(255,255,255,0.15); border-radius: 50%; flex-shrink: 0; }

/* ==================== STEPS ==================== */
.steps-section { background: var(--bg); }

.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }

.step-card {
  text-align: center; padding: 44px 32px; background: var(--bg-card);
  border-radius: var(--r-lg); border: none;
  transition: all var(--t-normal); position: relative;
  box-shadow: var(--shadow-sm);
}
.step-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }

.steps-section .step-number {
  width: 60px; height: 60px; border-radius: var(--r-lg);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 1.3rem; margin: 0 auto 22px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: #fff; box-shadow: 0 4px 16px var(--primary-glow);
  transition: all var(--t-normal);
}
.step-card:hover .step-number { transform: scale(1.08) rotate(-3deg); }
.step-card h4 { margin-bottom: 10px; }
.step-card p { color: var(--text-secondary); font-size: 0.93rem; line-height: 1.7; }

/* ==================== ABOUT PREVIEW ==================== */
.about-preview { display: grid; grid-template-columns: 1fr 1.1fr; gap: 72px; align-items: center; }

.about-image {
  border-radius: var(--r-xl); height: 460px; position: relative; overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.about-image img {
  width: 100%; height: 100%; object-fit: cover;
}
.about-image-placeholder { display: none; }

.about-stats {
  position: absolute; bottom: 20px; left: 20px; right: 20px;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px;
}
.stat-box {
  background: rgba(255,255,255,0.6); backdrop-filter: blur(24px);
  border-radius: var(--r-md); padding: 16px 10px; text-align: center;
  border: 1px solid rgba(148,163,184,0.15);
}
.stat-box .number { font-size: 1.5rem; font-weight: 800; color: var(--primary); display: block; letter-spacing: -0.02em; }
.stat-box .label { font-size: 0.72rem; color: var(--text-secondary); margin-top: 3px; text-transform: uppercase; letter-spacing: 0.05em; font-weight: 600; }

.about-text h2 { margin-bottom: 18px; }
.about-text > p { color: var(--text-secondary); margin-bottom: 14px; line-height: 1.75; }

.about-features { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 24px 0 32px; }
.about-feature { display: flex; align-items: center; gap: 10px; font-weight: 600; color: var(--text); font-size: 0.93rem; }
.about-feature svg { color: var(--primary); flex-shrink: 0; }

/* ==================== TESTIMONIALS ==================== */
.testimonials-section {
  background: var(--bg-alt); position: relative; overflow: hidden;
}
.testimonials-section::before {
  content: ''; position: absolute; top: -100px; right: -100px; width: 400px; height: 400px;
  background: radial-gradient(circle, var(--primary-soft) 0%, transparent 70%);
  border-radius: 50%; pointer-events: none;
}

.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }

.testimonial-card {
  background: var(--bg-card); border: none; border-radius: var(--r-lg);
  padding: 32px; transition: all var(--t-normal); position: relative;
  box-shadow: var(--shadow-sm);
}
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }

.testimonial-stars { color: var(--accent-light); margin-bottom: 18px; font-size: 1rem; letter-spacing: 3px; }

.testimonial-text { color: var(--text-secondary); font-style: italic; margin-bottom: 22px; line-height: 1.8; font-size: 0.95rem; }

.testimonial-author { display: flex; align-items: center; gap: 14px; }
.testimonial-avatar {
  width: 48px; height: 48px; border-radius: 50%; overflow: hidden;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 700; font-size: 0.95rem; flex-shrink: 0;
}
.testimonial-avatar img { width: 100%; height: 100%; object-fit: cover; }
.testimonial-name { font-weight: 700; color: var(--text); font-size: 0.93rem; }
.testimonial-location { font-size: 0.8rem; color: var(--text-muted); }

/* ==================== AMOUNTS ==================== */
.amounts-section { background: var(--bg); }
.amounts-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; margin-top: 36px; }

.amount-card {
  background: var(--bg-card); border: none; border-radius: var(--r-lg);
  padding: 28px 16px; text-align: center; cursor: pointer; transition: all var(--t-normal);
  position: relative; overflow: hidden; box-shadow: var(--shadow-sm);
}
.amount-card::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--primary-light));
  transform: scaleX(0); transition: transform var(--t-fast);
}
.amount-card:hover::after { transform: scaleX(1); }
.amount-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }

.amount-card .amount { font-size: 1.45rem; font-weight: 800; color: var(--text); display: block; margin-bottom: 4px; letter-spacing: -0.02em; }
.amount-card .currency { font-size: 0.8rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.05em; font-weight: 600; }

/* ==================== FAQ ==================== */
.faq-section { background: var(--bg-alt); }
.faq-list { max-width: 100%; }

.faq-item {
  background: var(--bg-card); border-radius: var(--r-md); margin-bottom: 10px;
  border: none; overflow: hidden; transition: all var(--t-fast);
  box-shadow: var(--shadow-sm);
}
.faq-item:hover { box-shadow: var(--shadow); }
.faq-item.active { box-shadow: 0 4px 20px rgba(230,57,70,0.08); }

.faq-question {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 26px; cursor: pointer; font-weight: 700; color: var(--text);
  gap: 16px; user-select: none; font-size: 0.96rem;
}
.faq-question:hover { color: var(--primary); }

.faq-icon { width: 22px; height: 22px; flex-shrink: 0; transition: transform 0.35s var(--ease); color: var(--text-muted); }
.faq-item.active .faq-icon { transform: rotate(180deg); color: var(--primary); }

.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.45s var(--ease); }
.faq-answer-inner { padding: 0 26px 22px; color: var(--text-secondary); line-height: 1.8; font-size: 0.93rem; }
.faq-item.active .faq-answer { max-height: 300px; }

/* ==================== BLOG PREVIEW ==================== */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }

.blog-card {
  background: var(--bg-card); border-radius: var(--r-lg); overflow: hidden;
  border: none; transition: all var(--t-normal);
  box-shadow: var(--shadow-sm);
}
.blog-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }

.blog-card-image { height: 200px; position: relative; overflow: hidden; }
.blog-card-image img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.6s var(--ease); }
.blog-card:hover .blog-card-image img { transform: scale(1.06); }
.blog-card-image .placeholder-icon {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%);
  font-size: 2.5rem; opacity: 0.15;
}

.blog-card-body { padding: 24px; }
.blog-card-tags { display: flex; gap: 8px; margin-bottom: 12px; flex-wrap: wrap; }
.blog-tag {
  display: inline-block; padding: 4px 14px; border-radius: var(--r-full);
  font-size: 0.76rem; font-weight: 700; letter-spacing: 0.02em;
}
.blog-tag { background: var(--primary-soft); color: var(--primary); }
.blog-tag.accent { background: var(--accent-soft); color: var(--accent); }

.blog-card-body h4 { margin-bottom: 8px; line-height: 1.4; font-size: 1.08rem; }
.blog-card-body h4 a:hover { color: var(--primary); }
.blog-card-date { font-size: 0.8rem; color: var(--text-muted); margin-bottom: 8px; }
.blog-card-excerpt { color: var(--text-secondary); font-size: 0.9rem; line-height: 1.7; display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden; }

/* ==================== CTA SECTION ==================== */
.cta-section {
  color: #fff; text-align: center; padding: 100px 0; position: relative; overflow: hidden;
}
.cta-bg {
  position: absolute; inset: 0; z-index: 0;
}
.cta-bg img { width: 100%; height: 100%; object-fit: cover; }
.cta-bg::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(230,57,70,0.9) 0%, rgba(198,45,56,0.85) 100%);
}

.cta-section h2 { color: #fff; margin-bottom: 16px; position: relative; z-index: 1; }
.cta-section p {
  color: rgba(255,255,255,0.85); font-size: 1.1rem; margin-bottom: 32px;
  max-width: 500px; margin-left: auto; margin-right: auto; line-height: 1.7;
  position: relative; z-index: 1;
}
.cta-section .btn { position: relative; z-index: 1; }

/* ==================== FOOTER ==================== */
.footer { background: var(--bg-dark); color: var(--text-on-dark-muted); padding: 72px 0 0; }

.footer-grid { display: grid; grid-template-columns: 1.8fr 1fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.footer-brand .logo { color: #fff; margin-bottom: 16px; }
.footer-brand p { color: var(--text-on-dark-muted); font-size: 0.9rem; line-height: 1.75; }

.footer-social { display: flex; gap: 10px; margin-top: 20px; }
.footer-social a {
  width: 40px; height: 40px; border-radius: 50%;
  background: rgba(255,255,255,0.06); border: none;
  display: flex; align-items: center; justify-content: center;
  color: var(--text-on-dark-muted); transition: all var(--t-fast);
}
.footer-social a:hover { background: var(--primary); color: #fff; transform: translateY(-2px); box-shadow: 0 4px 16px var(--primary-glow); }

.footer-col h4 {
  color: #fff; font-size: 0.88rem; margin-bottom: 20px; letter-spacing: 0.04em;
  text-transform: uppercase; font-weight: 700;
}
.footer-col ul li { margin-bottom: 11px; }
.footer-col ul li a { color: var(--text-on-dark-muted); font-size: 0.88rem; transition: all var(--t-fast); }
.footer-col ul li a:hover { color: #fff; padding-left: 4px; }

.footer-bottom {
  border-top: none; padding: 22px 0; margin-top: 12px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px;
}
.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.3); margin: 0; }
.footer-bottom-links { display: flex; gap: 24px; }
.footer-bottom-links a { font-size: 0.8rem; color: rgba(255,255,255,0.3); }
.footer-bottom-links a:hover { color: #fff; }

/* ==================== COOKIE CONSENT MODAL ==================== */
.cookie-overlay {
  position: fixed; inset: 0; z-index: 10000;
  background: rgba(0,0,0,0.55);
  display: flex; align-items: center; justify-content: center;
  opacity: 0; visibility: hidden;
  transition: opacity 0.4s ease, visibility 0.4s ease;
  backdrop-filter: blur(4px); padding: 20px;
}
.cookie-overlay.show { opacity: 1; visibility: visible; }
.cookie-modal {
  background: #fff; border-radius: 16px;
  padding: 40px 36px 32px; max-width: 480px; width: 100%;
  text-align: center;
  box-shadow: 0 24px 80px rgba(0,0,0,0.25);
  transform: translateY(20px) scale(0.96);
  transition: transform 0.4s ease;
}
.cookie-overlay.show .cookie-modal { transform: translateY(0) scale(1); }
.cookie-modal-icon {
  width: 56px; height: 56px; margin: 0 auto 20px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: 14px; display: flex; align-items: center; justify-content: center;
}
.cookie-modal-icon svg { width: 28px; height: 28px; }
.cookie-modal h3 { font-size: 1.25rem; font-weight: 700; color: var(--text-primary); margin-bottom: 12px; }
.cookie-modal p { font-size: 0.88rem; line-height: 1.7; color: var(--text-secondary); margin-bottom: 24px; }
.cookie-modal-buttons { display: flex; flex-direction: column; gap: 10px; margin-bottom: 16px; }
.cookie-modal-buttons .btn { width: 100%; padding: 14px 24px; font-size: 0.95rem; font-weight: 600; border-radius: 10px; }
.cookie-modal-link { font-size: 0.8rem; color: var(--text-secondary); text-decoration: underline; text-underline-offset: 2px; }
.cookie-modal-link:hover { color: var(--primary); }
@media (max-width: 480px) {
  .cookie-modal { padding: 28px 20px 24px; }
  .cookie-modal h3 { font-size: 1.1rem; }
}

/* ==================== PARTNERS PAGE ==================== */
.partner-intro { max-width: 740px; margin: 0 auto; text-align: center; }
.partner-intro p { font-size: 1.05rem; color: var(--text-secondary); line-height: 1.85; }

/* Trust Stats Bar */
.partners-trust { padding: 0; margin-top: -32px; position: relative; z-index: 2; }
.partners-trust-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
  background: var(--bg-card); border-radius: var(--r-lg); padding: 28px 36px;
  box-shadow: var(--shadow-md);
}
.partners-trust-item {
  display: flex; align-items: center; gap: 16px;
  justify-content: center;
}
.partners-trust-icon {
  width: 48px; height: 48px; border-radius: var(--r-md); flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  background: var(--primary-soft); color: var(--primary);
}
.partners-trust-number {
  display: block; font-size: 1.3rem; font-weight: 800; color: var(--text);
  letter-spacing: -0.02em; line-height: 1.2;
}
.partners-trust-label {
  display: block; font-size: 0.78rem; color: var(--text-muted);
  letter-spacing: 0.01em;
}

/* Category Header */
.partners-category { margin-bottom: 24px; }
.partners-category-header {
  display: flex; align-items: center; gap: 16px;
  margin-bottom: 28px; padding-bottom: 20px;
  border-bottom: 2px solid var(--border);
}
.partners-category-icon {
  width: 52px; height: 52px; border-radius: var(--r-md); flex-shrink: 0;
  display: flex; align-items: center; justify-content: center; color: #fff;
}
.partners-category-icon--installment {
  background: linear-gradient(135deg, var(--secondary), #4a5568);
  box-shadow: 0 4px 12px rgba(45,55,72,0.2);
}
.partners-category-icon--shortterm {
  background: linear-gradient(135deg, var(--accent), #b45309);
  box-shadow: 0 4px 12px rgba(217,119,6,0.2);
}
.partners-category-title { font-size: 1.5rem; margin-bottom: 4px; }
.partners-category-desc { color: var(--text-muted); font-size: 0.9rem; margin: 0; }

/* V2 Partner Grid */
.partners-grid-v2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }

/* V2 Partner Card */
.partner-card-v2 {
  background: var(--bg-card); border-radius: var(--r-lg); padding: 28px;
  box-shadow: var(--shadow-sm); transition: all var(--t-normal);
  display: flex; flex-direction: column; border: 2px solid transparent;
}
.partner-card-v2:hover {
  transform: translateY(-4px); box-shadow: var(--shadow-lg);
  border-color: var(--border-hover);
}
.partner-card-v2-top {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 16px;
}
.partner-logo-v2 {
  width: 110px; height: 40px; display: flex; align-items: center;
}
.partner-logo-v2 img { max-width: 100%; max-height: 100%; object-fit: contain; }
.partner-type-badge {
  font-size: 0.72rem; font-weight: 700; padding: 4px 12px;
  border-radius: var(--r-full); letter-spacing: 0.01em;
}
.partner-type-badge--installment {
  background: rgba(45,55,72,0.1); color: var(--secondary);
}
.partner-type-badge--shortterm {
  background: rgba(217,119,6,0.1); color: var(--accent);
}
.partner-card-v2 h3 { font-size: 1.1rem; margin-bottom: 8px; }
.partner-card-v2 p {
  font-size: 0.88rem; color: var(--text-secondary); line-height: 1.7;
  margin-bottom: 16px; flex: 1;
}

/* Highlights */
.partner-highlights {
  display: grid; grid-template-columns: 1fr 1fr; gap: 10px;
  margin-bottom: 18px;
}
.partner-highlight {
  background: var(--bg-alt); border-radius: var(--r-sm); padding: 10px 14px;
}
.partner-highlight-label {
  display: block; font-size: 0.72rem; color: var(--text-muted);
  text-transform: uppercase; letter-spacing: 0.04em; font-weight: 600;
  margin-bottom: 2px;
}
.partner-highlight-value {
  font-size: 0.88rem; font-weight: 700; color: var(--text);
}

/* CTA Button */
.partner-cta-btn { width: 100%; text-align: center; }

@media (max-width: 768px) {
  .partners-trust { margin-top: -24px; }
  .partners-trust-grid {
    grid-template-columns: 1fr; gap: 16px; padding: 24px;
  }
  .partners-trust-item { justify-content: flex-start; }
  .partners-grid-v2 { grid-template-columns: 1fr; }
  .partners-category-title { font-size: 1.25rem; }
}
@media (max-width: 480px) {
  .partner-highlights { grid-template-columns: 1fr; }
}

/* ==================== PAGE HEADER ==================== */
.page-header {
  position: relative; padding: 140px 0 64px; color: #fff; text-align: center; overflow: hidden;
}
.page-header-bg { position: absolute; inset: 0; z-index: 0; }
.page-header-bg img { width: 100%; height: 100%; object-fit: cover; }
.page-header-bg::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(230,57,70,0.88) 0%, rgba(198,45,56,0.7) 100%);
}
/* Fallback when no image */
.page-header { background: var(--bg-dark); }
.page-header h1 { color: #fff; font-size: clamp(2rem, 4vw, 2.7rem); margin-bottom: 14px; position: relative; z-index: 1; }

.breadcrumb { display: flex; align-items: center; justify-content: center; gap: 8px; color: rgba(255,255,255,0.6); font-size: 0.86rem; position: relative; z-index: 1; }
.breadcrumb a { color: rgba(255,255,255,0.6); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb .separator { color: rgba(255,255,255,0.3); }

/* ==================== ABOUT PAGE ==================== */
.about-section .about-content { max-width: 740px; margin: 0 auto; }
.about-section .about-content p { font-size: 1.05rem; color: var(--text-secondary); line-height: 1.85; margin-bottom: 18px; }

.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 44px; }
.value-card {
  text-align: center; padding: 40px 28px; background: var(--bg-card);
  border-radius: var(--r-lg); border: none; transition: all var(--t-normal);
  box-shadow: var(--shadow-sm);
}
.value-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }

.value-icon {
  width: 64px; height: 64px; border-radius: var(--r-md);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 18px; color: #fff; transition: all var(--t-normal);
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  box-shadow: 0 4px 12px var(--primary-glow);
}
.value-card h4 { margin-bottom: 10px; }
.value-card p { color: var(--text-secondary); font-size: 0.93rem; line-height: 1.7; }

.social-section { text-align: center; padding: 60px 0; }
.social-links { display: flex; justify-content: center; gap: 14px; margin-top: 28px; }
.social-link {
  width: 54px; height: 54px; border-radius: 50%;
  background: var(--bg-elevated); border: none;
  display: flex; align-items: center; justify-content: center;
  color: var(--text-secondary); font-size: 1.2rem; transition: all var(--t-fast);
}
.social-link:hover { background: var(--primary); color: #fff; transform: translateY(-3px); box-shadow: var(--shadow-glow); }

/* ==================== GUIDE PAGE ==================== */
.guide-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.guide-card {
  background: var(--bg-card); border-radius: var(--r-lg); overflow: hidden;
  border: none; transition: all var(--t-normal); display: flex; flex-direction: column;
  box-shadow: var(--shadow-sm); position: relative; cursor: pointer;
}
.guide-card-body h3 a::after {
  content: ''; position: absolute; inset: 0; z-index: 2;
}
.guide-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.guide-card-image { height: 220px; position: relative; overflow: hidden; z-index: 0; }
.guide-card-image img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.6s var(--ease); }
.guide-card:hover .guide-card-image img { transform: scale(1.05); }
.guide-card-image .placeholder-icon { position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); font-size: 3rem; opacity: 0.2; }
.guide-card-body { padding: 26px; flex: 1; display: flex; flex-direction: column; position: relative; z-index: 1; }
.guide-card-meta { display: flex; align-items: center; gap: 16px; margin-bottom: 10px; font-size: 0.8rem; color: var(--text-muted); }
.guide-card-body h3 { font-size: 1.12rem; margin-bottom: 10px; line-height: 1.4; }
.guide-card-body h3 a:hover { color: var(--primary); }
.guide-card-excerpt { color: var(--text-secondary); font-size: 0.9rem; line-height: 1.7; flex: 1; }
.guide-card-tags { display: flex; gap: 8px; margin-top: 16px; flex-wrap: wrap; }

.pagination { display: flex; justify-content: center; align-items: center; gap: 8px; margin-top: 52px; }
.page-link {
  display: flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: var(--r-sm);
  background: var(--bg-card); border: none;
  color: var(--text-secondary); font-weight: 600; transition: all var(--t-fast); cursor: pointer;
  box-shadow: var(--shadow-sm);
}
.page-link:hover, .page-link.active { background: var(--primary); color: #fff; box-shadow: var(--shadow-glow); }
.page-link.disabled { opacity: 0.3; cursor: not-allowed; }

/* ==================== CONTACT PAGE ==================== */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 44px; }
.contact-info-cards { display: flex; flex-direction: column; gap: 14px; }
.contact-card {
  background: var(--bg-card); border-radius: var(--r-md); padding: 26px;
  border: none; display: flex; align-items: flex-start;
  gap: 16px; transition: all var(--t-normal);
  box-shadow: var(--shadow-sm);
}
.contact-card:hover { box-shadow: var(--shadow); }
.contact-card-icon {
  width: 48px; height: 48px; border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  color: #fff; flex-shrink: 0; transition: all var(--t-normal);
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  box-shadow: 0 3px 10px var(--primary-glow);
}
.contact-card h4 { margin-bottom: 5px; font-size: 1rem; }
.contact-card p { color: var(--text-secondary); font-size: 0.88rem; margin: 0; }
.contact-card a { color: var(--primary); font-weight: 600; }

.contact-form { background: var(--bg-card); border-radius: var(--r-lg); padding: 36px; border: none; box-shadow: var(--shadow-sm); }
.contact-form h3 { margin-bottom: 26px; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; margin-bottom: 7px; font-weight: 600; font-size: 0.86rem; color: var(--text); }
.form-control {
  width: 100%; padding: 13px 18px; border: none; border-bottom: 2px solid transparent;
  border-radius: var(--r-sm); font-size: 0.93rem; font-family: inherit;
  color: var(--text); transition: all var(--t-fast); background: var(--bg-alt);
}
.form-control:focus { outline: none; border-bottom-color: var(--primary); background: var(--bg-card); box-shadow: var(--shadow-sm); }
.form-control.error { border-bottom-color: var(--primary); background: rgba(230,57,70,0.03); }
textarea.form-control { resize: vertical; min-height: 130px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

/* ==================== RESPONSIVE ==================== */
@media (max-width: 1024px) {
  .hero-content { grid-template-columns: 1fr; gap: 44px; }
  .hero-text { text-align: center; }
  .hero-text > p { margin: 0 auto 32px; }
  .hero-cta-group { justify-content: center; }
  .hero-badges { justify-content: center; }
  .calculator-card { max-width: 520px; margin: 0 auto; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .about-preview { grid-template-columns: 1fr; gap: 44px; }
  .about-image { height: 320px; }
}

@media (max-width: 768px) {
  .section { padding: 72px 0; }
  .nav-menu {
    position: fixed; top: 0; right: -100%; width: 300px; height: 100vh;
    background: var(--bg); flex-direction: column; padding: 100px 32px 32px;
    gap: 24px; box-shadow: var(--shadow-xl); transition: right 0.35s var(--ease); z-index: 999;
  }
  .nav-menu.active { right: 0; }
  .nav-cta { margin-left: 0; width: 100%; }
  .nav-cta .btn { width: 100%; }
  .hamburger { display: flex; z-index: 1001; }
  .hero { min-height: auto; }
  .hero-content { padding: 120px 0 72px; }
  .steps-grid { grid-template-columns: 1fr; gap: 16px; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .amounts-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .values-grid { grid-template-columns: 1fr; }
  .guide-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .page-header { padding: 120px 0 48px; }
  .cookie-inner { flex-direction: column; text-align: center; }
  .trust-strip-inner { gap: 20px; font-size: 0.72rem; flex-wrap: wrap; justify-content: center; }

  /* Fix: about-stats overflow on mobile */
  .about-stats { left: 12px; right: 12px; bottom: 12px; gap: 6px; }
  .stat-box { padding: 12px 6px; }
  .stat-box .number { font-size: 1.2rem; }
  .stat-box .label { font-size: 0.6rem; letter-spacing: 0.02em; }

  /* Fix: calculator card & summary overflow on mobile */
  .calculator-card { padding: 28px 18px; }
  .calc-summary { padding: 16px; }
  .calc-summary-row { flex-wrap: wrap; }
  .calc-summary-row .label { font-size: 0.82rem; flex-shrink: 1; white-space: normal; min-width: 0; }
  .calc-summary-row .value { white-space: normal; font-size: 0.92rem; word-break: break-word; }
  .calc-summary-row .value.highlight { font-size: 1.05rem; }
  .slider-value { font-size: 1.2rem; min-width: 110px; }
}

@media (max-width: 480px) {
  .hero-cta-group { flex-direction: column; }
  .hero-badges { flex-direction: column; align-items: center; }
  .amounts-grid { grid-template-columns: 1fr 1fr; }

  /* Fix: about-stats stack vertically on very small screens */
  .about-stats { gap: 4px; }
  .stat-box .number { font-size: 1rem; }
  .stat-box .label { font-size: 0.56rem; }

  /* Fix: calculator value text size */
  .slider-value { font-size: 1.05rem; min-width: 90px; }
  .calc-summary-row .value { font-size: 0.86rem; }
  .calc-summary-row .value.highlight { font-size: 0.95rem; }
}

/* --- Utilities --- */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.text-center { text-align: center; }
.mt-20 { margin-top: 20px; }
.mb-20 { margin-bottom: 20px; }
.mt-40 { margin-top: 40px; }
.mb-40 { margin-bottom: 40px; }

.nav-overlay {
  position: fixed; top: 0; left: 0; width: 100%; height: 100%;
  background: rgba(15,23,42,0.5); opacity: 0; visibility: hidden;
  transition: all var(--t-normal); z-index: 998; backdrop-filter: blur(4px);
}
.nav-overlay.active { opacity: 1; visibility: visible; }

.scroll-top {
  position: fixed; bottom: 28px; right: 28px; width: 46px; height: 46px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light)); color: #fff; border: none; border-radius: 50%;
  cursor: pointer; display: flex; align-items: center; justify-content: center;
  opacity: 0; visibility: hidden; transform: translateY(12px);
  transition: all var(--t-normal); z-index: 99; box-shadow: var(--shadow-glow);
}
.scroll-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.scroll-top:hover { background: linear-gradient(135deg, var(--primary-dark), var(--primary)); transform: translateY(-3px); }

/* ==================== WNIOSEK (Application Form) ==================== */
.wniosek-section {
  min-height: calc(100vh - 80px); padding: 120px 0 64px;
  background: var(--bg); display: flex; flex-direction: column;
}

/* Loan summary bar */
.wniosek-summary {
  display: flex; align-items: center; justify-content: center; gap: 32px;
  background: var(--bg-card); border: none; border-radius: var(--r-lg);
  padding: 20px 36px; margin-bottom: 36px; box-shadow: var(--shadow);
}
.wniosek-summary-item { text-align: center; }
.wniosek-summary-label { display: block; font-size: 0.78rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.06em; font-weight: 600; margin-bottom: 4px; }
.wniosek-summary-value { font-size: 1.15rem; font-weight: 800; color: var(--text); letter-spacing: -0.02em; }
.wniosek-summary-divider { width: 1px; height: 36px; background: var(--border); }

/* Step indicator */
.step-indicator {
  display: flex; align-items: center; justify-content: center; gap: 0;
  margin-bottom: 36px;
}
.step-dot {
  display: flex; align-items: center; justify-content: center; position: relative;
}
.step-number {
  width: 38px; height: 38px; border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 0.88rem;
  background: var(--bg-card); border: 2px solid var(--border); color: var(--text-muted);
  transition: all var(--t-fast);
}
.step-dot.active .step-number {
  background: var(--primary); border-color: var(--primary); color: #fff;
  box-shadow: 0 4px 16px var(--primary-glow);
}
.step-dot.done .step-number {
  background: var(--primary); border-color: var(--primary); color: #fff;
  font-size: 0;
}
.step-dot.done .step-number::after {
  content: ''; width: 7px; height: 12px;
  border: solid #fff; border-width: 0 2.5px 2.5px 0;
  transform: rotate(45deg); margin-top: -2px;
}
.step-line {
  width: 40px; height: 2px; background: var(--border); margin: 0 6px;
  transition: background var(--t-fast);
}
.step-line.active { background: var(--primary); }

/* Form card */
.wniosek-card {
  max-width: 680px; margin: 0 auto; background: var(--bg-card);
  border: none; border-radius: var(--r-lg);
  padding: 44px; box-shadow: var(--shadow);
  animation: fadeUp 0.5s var(--ease) both;
}
.wniosek-card h2 { font-size: 1.5rem; margin-bottom: 8px; color: var(--text); }
.wniosek-subtitle { color: var(--text-secondary); font-size: 0.95rem; margin-bottom: 32px; }

/* Required asterisk */
.required { color: var(--primary); font-weight: 700; }

/* Field error message */
.field-error { display: block; font-size: 0.78rem; color: var(--primary); margin-top: 5px; min-height: 1em; }

/* Consents */
.consents-section { margin-top: 32px; padding-top: 28px; border-top: none; background: var(--bg-alt); margin-left: -44px; margin-right: -44px; padding: 28px 44px 0; border-radius: 0 0 var(--r-lg) var(--r-lg); }
.consents-section h4 { font-size: 1rem; margin-bottom: 18px; color: var(--text); }

.checkbox-label {
  display: flex; align-items: flex-start; gap: 12px; cursor: pointer;
  padding: 10px 0; font-size: 0.86rem; color: var(--text-secondary); line-height: 1.55;
  position: relative;
}
.checkbox-label input[type="checkbox"] {
  position: absolute; opacity: 0; width: 0; height: 0;
}
.checkmark {
  width: 20px; height: 20px; min-width: 20px;
  border: 2px solid #c0b8af; border-radius: 5px;
  display: flex; align-items: center; justify-content: center;
  transition: all var(--t-fast); margin-top: 1px;
  background: #fff;
}
.checkbox-label input:checked + .checkmark {
  background: var(--primary); border-color: var(--primary); border-width: 2px;
}
.checkbox-label input:checked + .checkmark::after {
  content: '';
  width: 6px; height: 10px;
  border: solid #fff; border-width: 0 2px 2px 0;
  transform: rotate(45deg); margin-top: -2px;
}
.checkbox-label a { color: var(--primary); font-weight: 600; text-decoration: underline; }

/* Actions bar */
.wniosek-actions {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 36px; padding-top: 28px;
}

/* Success screen */
/* Result Page (taRata-style) */
.result-page { max-width: 960px; margin: 0 auto; padding: 40px 20px 60px; }
.result-header { margin-bottom: 40px; }
.result-header h1 { font-size: clamp(1.5rem, 3.5vw, 2.2rem); margin-bottom: 16px; line-height: 1.3; }
.result-header p { color: var(--text-secondary); font-size: 1rem; line-height: 1.7; margin-bottom: 4px; }
.result-header strong { color: var(--text); }
.result-offers { margin-bottom: 48px; }
.result-offers h2 { font-size: 1.25rem; margin-bottom: 20px; padding-bottom: 12px; border-bottom: 2px solid var(--border); }
.result-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.result-card {
  background: #fff; border-radius: var(--r-md); padding: 28px 20px;
  box-shadow: var(--shadow-sm); border: 2px solid transparent;
  text-align: center; cursor: pointer; transition: all var(--t-normal);
  display: flex; flex-direction: column; align-items: center; gap: 14px;
}
.result-card:hover { border-color: var(--primary); transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.result-card-logo { height: 48px; display: flex; align-items: center; justify-content: center; margin-bottom: 8px; }
.result-card-logo img { max-height: 40px; max-width: 140px; object-fit: contain; }
.result-card-amount { font-size: 0.9rem; color: var(--text-secondary); }
.result-card-amount strong { color: var(--text); }
.result-card .btn { width: 100%; }
.result-card-term { font-size: 0.8rem; color: var(--text-muted); }
.result-more { text-align: center; padding: 40px 0; }
.result-more h2 { font-size: 1.3rem; margin-bottom: 20px; }

/* Date select rows */
.date-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.date-row-3 { grid-template-columns: 1fr 1.4fr 1fr; }

/* Wniosek responsive */
@media (max-width: 768px) {
  .wniosek-card { padding: 28px 20px; }
  .consents-section { margin-left: -20px; margin-right: -20px; padding: 28px 20px 0; }
  .wniosek-summary { flex-direction: column; gap: 16px; padding: 20px; }
  .wniosek-summary-divider { width: 60px; height: 1px; }
  .wniosek-actions { flex-direction: column-reverse; gap: 12px; }
  .wniosek-actions .btn { width: 100%; text-align: center; }
  .step-line { width: 20px; margin: 0 3px; }
  .step-number { width: 32px; height: 32px; font-size: 0.78rem; }
  .result-grid { grid-template-columns: repeat(2, 1fr); }
  .result-page { padding: 24px 16px 40px; }
}
@media (max-width: 480px) {
  .result-grid { grid-template-columns: 1fr; }
}