/* ===== CSS Variables ===== */
:root {
    --primary: #0D9F61;
    --primary-dark: #0A7D4D;
    --primary-light: #10B981;
    --primary-glow: rgba(13, 159, 97, 0.15);
    --primary-glow-strong: rgba(13, 159, 97, 0.3);

    --dark: #0F172A;
    --dark-2: #1E293B;
    --dark-3: #334155;
    --gray: #64748B;
    --gray-light: #94A3B8;
    --gray-100: #F1F5F9;
    --gray-200: #E2E8F0;

    --white: #FFFFFF;
    --bg: #F8FAFC;

    --danger: #EF4444;
    --warning: #F59E0B;
    --success: #10B981;

    --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
    --shadow: 0 4px 6px -1px rgba(0,0,0,0.07), 0 2px 4px -2px rgba(0,0,0,0.05);
    --shadow-md: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -4px rgba(0,0,0,0.05);
    --shadow-lg: 0 20px 25px -5px rgba(0,0,0,0.08), 0 8px 10px -6px rgba(0,0,0,0.04);
    --shadow-xl: 0 25px 50px -12px rgba(0,0,0,0.15);

    --radius-sm: 8px;
    --radius: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-full: 9999px;

    --font: 'Montserrat', -apple-system, BlinkMacSystemFont, sans-serif;
}

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

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

body {
    font-family: var(--font);
    color: var(--dark);
    background: var(--bg);
    line-height: 1.6;
    overflow-x: hidden;
}

a {
    text-decoration: none;
    color: inherit;
}

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

button {
    border: none;
    background: none;
    cursor: pointer;
    font-family: inherit;
}

input, select, textarea {
    font-family: inherit;
    font-size: inherit;
}

/* ===== Container ===== */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* ===== Utility ===== */
.highlight {
    color: var(--primary);
}

.section-title {
    font-size: 2.25rem;
    font-weight: 800;
    text-align: center;
    margin-bottom: 12px;
    letter-spacing: -0.02em;
}

.section-subtitle {
    text-align: center;
    color: var(--gray);
    font-size: 1.1rem;
    margin-bottom: 48px;
}

/* ===== Header ===== */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(0,0,0,0.06);
    transition: box-shadow 0.3s;
}

.header.scrolled {
    box-shadow: var(--shadow);
}

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

.logo {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 1.5rem;
    font-weight: 800;
    letter-spacing: -0.02em;
}

.logo__icon {
    font-size: 1.6rem;
}

.logo__text {
    color: var(--dark);
}

.logo__highlight {
    color: var(--primary);
}

.nav {
    display: flex;
    gap: 32px;
}

.nav__link {
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--gray);
    transition: color 0.2s;
}

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

.header__cta {
    background: var(--primary);
    color: var(--white);
    padding: 10px 24px;
    border-radius: var(--radius-full);
    font-weight: 600;
    font-size: 0.9rem;
    transition: all 0.2s;
}

.header__cta:hover {
    background: var(--primary-dark);
    transform: translateY(-1px);
    box-shadow: 0 4px 12px rgba(13, 159, 97, 0.3);
}

.mobile-menu-btn {
    display: none;
    flex-direction: column;
    gap: 5px;
    padding: 8px;
}

.mobile-menu-btn span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--dark);
    border-radius: 2px;
    transition: all 0.3s;
}

.mobile-menu-btn.active span:nth-child(1) {
    transform: rotate(45deg) translateY(5px) translateX(5px);
}

.mobile-menu-btn.active span:nth-child(2) {
    opacity: 0;
}

.mobile-menu-btn.active span:nth-child(3) {
    transform: rotate(-45deg) translateY(-5px) translateX(5px);
}

.mobile-menu {
    display: none;
    position: fixed;
    top: 72px;
    left: 0;
    right: 0;
    background: var(--white);
    padding: 24px 20px;
    flex-direction: column;
    gap: 16px;
    z-index: 999;
    box-shadow: var(--shadow-lg);
    border-bottom: 1px solid var(--gray-200);
}

.mobile-menu.active {
    display: flex;
}

.mobile-menu__link {
    font-size: 1rem;
    font-weight: 500;
    color: var(--dark);
    padding: 8px 0;
}

.mobile-menu__cta {
    background: var(--primary);
    color: var(--white);
    padding: 14px 24px;
    border-radius: var(--radius);
    font-weight: 600;
    text-align: center;
    margin-top: 8px;
}

/* ===== Hero ===== */
.hero {
    padding: 120px 0 80px;
    background: linear-gradient(135deg, #F0FDF4 0%, #ECFDF5 30%, #F0F9FF 70%, #F8FAFC 100%);
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 800px;
    height: 800px;
    background: radial-gradient(circle, var(--primary-glow) 0%, transparent 70%);
    pointer-events: none;
}

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

.hero__badge {
    display: inline-block;
    background: rgba(13, 159, 97, 0.1);
    color: var(--primary-dark);
    padding: 8px 20px;
    border-radius: var(--radius-full);
    font-size: 0.9rem;
    font-weight: 600;
    margin-bottom: 24px;
    border: 1px solid rgba(13, 159, 97, 0.2);
}

.hero__title {
    font-size: 3.5rem;
    font-weight: 900;
    line-height: 1.1;
    letter-spacing: -0.03em;
    margin-bottom: 20px;
    color: var(--dark);
}

.hero__subtitle {
    font-size: 1.15rem;
    color: var(--gray);
    line-height: 1.7;
    margin-bottom: 32px;
    max-width: 500px;
}

.hero__stats {
    display: flex;
    align-items: center;
    gap: 24px;
    margin-bottom: 40px;
    padding: 20px 24px;
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    border: 1px solid var(--gray-200);
}

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

.hero__stat-value {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary);
    letter-spacing: -0.02em;
}

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

.hero__stat-divider {
    width: 1px;
    height: 40px;
    background: var(--gray-200);
}

.hero__btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: var(--primary);
    color: var(--white);
    padding: 16px 36px;
    border-radius: var(--radius-full);
    font-size: 1.1rem;
    font-weight: 700;
    transition: all 0.3s;
    box-shadow: 0 4px 15px rgba(13, 159, 97, 0.3);
}

.hero__btn:hover {
    background: var(--primary-dark);
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(13, 159, 97, 0.4);
}

/* Hero Card Visual */
.hero__visual {
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
}

.hero__card {
    width: 380px;
    height: 230px;
    background: linear-gradient(135deg, #0D9F61 0%, #065F46 100%);
    border-radius: 20px;
    padding: 28px;
    color: white;
    position: relative;
    box-shadow: 0 25px 60px rgba(13, 159, 97, 0.3);
    transform: rotate(-5deg);
    transition: transform 0.5s;
}

.hero__card:hover {
    transform: rotate(0deg);
}

.hero__card-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 30px;
}

.hero__card-chip {
    width: 45px;
    height: 35px;
    background: linear-gradient(135deg, #FFD700, #FFA500);
    border-radius: 6px;
}

.hero__card-logo {
    font-size: 1.4rem;
    font-weight: 800;
    letter-spacing: 0.1em;
    opacity: 0.9;
}

.hero__card-number {
    font-size: 1.3rem;
    letter-spacing: 0.15em;
    margin-bottom: 24px;
    font-weight: 500;
    opacity: 0.9;
}

.hero__card-bottom {
    display: flex;
    gap: 40px;
}

.hero__card-label {
    display: block;
    font-size: 0.65rem;
    text-transform: uppercase;
    opacity: 0.6;
    letter-spacing: 0.1em;
}

.hero__card-value {
    font-size: 0.85rem;
    font-weight: 600;
}

.hero__card-amount {
    position: absolute;
    top: -15px;
    right: -15px;
    background: var(--white);
    color: var(--primary);
    padding: 10px 20px;
    border-radius: var(--radius-full);
    font-size: 1.1rem;
    font-weight: 800;
    box-shadow: var(--shadow-lg);
    animation: pulse 2s ease-in-out infinite;
}

@keyframes pulse {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.05); }
}

.hero__floating {
    position: absolute;
    background: var(--white);
    padding: 10px 20px;
    border-radius: var(--radius-full);
    font-size: 0.9rem;
    font-weight: 800;
    box-shadow: 0 4px 20px rgba(0,0,0,0.1);
    animation: float 3s ease-in-out infinite;
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--dark);
    white-space: nowrap;
}

.hero__floating-icon {
    font-size: 1rem;
}

.hero__floating-icon--bolt {
    font-size: 0.9rem;
}

.hero__floating--1 {
    top: -10px;
    left: -20px;
    animation-delay: 0s;
    color: var(--success);
}

.hero__floating--2 {
    bottom: 30px;
    left: -40px;
    animation-delay: 1s;
    color: var(--warning);
}

.hero__floating--3 {
    bottom: -10px;
    right: 20px;
    animation-delay: 2s;
    color: var(--dark-3);
}

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

/* ===== Trust Bar ===== */
.trust-bar {
    padding: 32px 0;
    background: var(--white);
    border-bottom: 1px solid var(--gray-200);
}

.trust-bar__inner {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.trust-bar__item {
    display: flex;
    align-items: center;
    gap: 12px;
    justify-content: center;
}

.trust-bar__icon {
    font-size: 1.8rem;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.trust-bar__item strong {
    display: block;
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--dark);
}

.trust-bar__item span {
    font-size: 0.8rem;
    color: var(--gray);
}

/* ===== Form Section ===== */
.form-section {
    padding: 80px 0;
    background: var(--white);
}

.form-section__header {
    text-align: center;
    margin-bottom: 40px;
}

/* Steps Indicator */
.steps-indicator {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0;
    margin-bottom: 40px;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
}

.step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
}

.step__circle {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 1rem;
    background: var(--gray-100);
    color: var(--gray);
    border: 2px solid var(--gray-200);
    transition: all 0.3s;
}

.step.active .step__circle {
    background: var(--primary);
    color: var(--white);
    border-color: var(--primary);
    box-shadow: 0 4px 12px rgba(13, 159, 97, 0.3);
}

.step.completed .step__circle {
    background: var(--primary-light);
    color: var(--white);
    border-color: var(--primary-light);
}

.step__label {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--gray);
    transition: color 0.3s;
}

.step.active .step__label {
    color: var(--primary);
}

.step.completed .step__label {
    color: var(--primary-light);
}

.step__line {
    flex: 1;
    height: 2px;
    background: var(--gray-200);
    margin: 0 12px;
    margin-bottom: 28px;
    transition: background 0.3s;
    min-width: 60px;
}

.step__line.active {
    background: var(--primary);
}

/* Form Wrapper */
.form-wrapper {
    max-width: 640px;
    margin: 0 auto;
    background: var(--white);
    border-radius: var(--radius-xl);
    border: 1px solid var(--gray-200);
    padding: 40px;
    box-shadow: var(--shadow-md);
}

.form-step {
    display: none;
}

.form-step.active {
    display: block;
    animation: fadeIn 0.4s ease;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

/* Amount & Term Selectors */
.amount-selector,
.term-selector {
    margin-bottom: 28px;
}

.amount-display,
.term-display {
    text-align: center;
    font-size: 2.5rem;
    font-weight: 900;
    color: var(--primary);
    margin-bottom: 16px;
    letter-spacing: -0.02em;
}

.range-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 8px;
    border-radius: 4px;
    background: linear-gradient(to right, var(--primary) 0%, var(--primary) 50%, var(--gray-200) 50%, var(--gray-200) 100%);
    outline: none;
    cursor: pointer;
}

.range-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--white);
    border: 3px solid var(--primary);
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(0,0,0,0.15);
    transition: all 0.2s;
}

.range-slider::-webkit-slider-thumb:hover {
    transform: scale(1.15);
    box-shadow: 0 4px 12px rgba(13, 159, 97, 0.3);
}

.range-slider::-moz-range-thumb {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--white);
    border: 3px solid var(--primary);
    cursor: pointer;
    box-shadow: 0 2px 8px rgba(0,0,0,0.15);
}

.range-labels {
    display: flex;
    justify-content: space-between;
    margin-top: 8px;
    font-size: 0.8rem;
    color: var(--gray);
    font-weight: 500;
}

/* Loan Summary */
.loan-summary {
    background: var(--gray-100);
    border-radius: var(--radius);
    padding: 20px 24px;
    margin-bottom: 28px;
    border: 1px solid var(--gray-200);
}

.loan-summary__row {
    display: flex;
    justify-content: space-between;
    padding: 8px 0;
    font-size: 0.95rem;
    color: var(--gray);
}

.loan-summary__row strong {
    color: var(--dark);
}

.loan-summary__row--total {
    border-top: 2px solid var(--gray-200);
    margin-top: 8px;
    padding-top: 12px;
    font-size: 1.1rem;
}

.loan-summary__row--total strong {
    color: var(--primary);
    font-size: 1.2rem;
}

.loan-summary__first {
    margin-top: 12px;
    padding: 10px 16px;
    background: rgba(13, 159, 97, 0.1);
    border-radius: var(--radius-sm);
    font-size: 0.85rem;
    color: var(--primary-dark);
    font-weight: 500;
    text-align: center;
}

/* Form Fields */
.form-label {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--dark);
    margin-bottom: 8px;
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-bottom: 24px;
}

.form-fields {
    display: flex;
    flex-direction: column;
    gap: 18px;
    margin-bottom: 24px;
}

.form-trust {
    display: flex;
    justify-content: center;
    gap: 20px;
    margin-top: 20px;
    padding-top: 16px;
    border-top: 1px solid var(--gray-200);
}

.form-trust__item {
    font-size: 0.78rem;
    color: var(--gray);
    font-weight: 500;
}

@media (max-width: 480px) {
    .form-trust {
        flex-direction: column;
        align-items: center;
        gap: 8px;
    }
}

.form-group--full {
    grid-column: 1 / -1;
}

.form-input {
    width: 100%;
    padding: 14px 16px;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    font-size: 0.95rem;
    color: var(--dark);
    background: var(--white);
    transition: all 0.2s;
    outline: none;
}

.form-input:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 4px var(--primary-glow);
}

.form-input.error {
    border-color: var(--danger);
    box-shadow: 0 0 0 4px rgba(239, 68, 68, 0.1);
}

.form-input::placeholder {
    color: var(--gray-light);
}

.form-select {
    cursor: pointer;
    -webkit-appearance: none;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24' fill='none' stroke='%2364748B' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
    background-size: 20px;
    padding-right: 40px;
}

.form-error {
    display: none;
    color: var(--danger);
    font-size: 0.8rem;
    margin-top: 6px;
    font-weight: 500;
}

.form-group.has-error .form-error {
    display: block;
}

.form-group.has-error .form-input {
    border-color: var(--danger);
}

/* Consent Checkbox */
.form-consent {
    margin-bottom: 28px;
}

.checkbox-wrapper {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    cursor: pointer;
    position: relative;
}

.checkbox-wrapper input[type="checkbox"] {
    position: absolute;
    opacity: 0;
    width: 0;
    height: 0;
}

.checkmark {
    flex-shrink: 0;
    width: 22px;
    height: 22px;
    border: 2px solid var(--gray-200);
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.2s;
    margin-top: 1px;
}

.checkbox-wrapper input:checked + .checkmark {
    background: var(--primary);
    border-color: var(--primary);
}

.checkbox-wrapper input:checked + .checkmark::after {
    content: '';
    display: block;
    width: 6px;
    height: 10px;
    border: solid white;
    border-width: 0 2px 2px 0;
    transform: rotate(45deg);
    margin-top: -2px;
}

.checkbox-text {
    font-size: 0.85rem;
    color: var(--gray);
    line-height: 1.5;
}

.form-link {
    color: var(--primary);
    text-decoration: underline;
}

/* Form Buttons */
.form-actions {
    display: flex;
    gap: 16px;
}

.form-btn {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 16px 28px;
    border-radius: var(--radius);
    font-size: 1rem;
    font-weight: 700;
    transition: all 0.3s;
    cursor: pointer;
    background: var(--primary);
    color: var(--white);
    border: none;
}

.form-btn:hover {
    background: var(--primary-dark);
    transform: translateY(-1px);
    box-shadow: 0 4px 15px rgba(13, 159, 97, 0.3);
}

.form-btn--back {
    background: var(--gray-100);
    color: var(--gray);
    flex: 0 0 auto;
}

.form-btn--back:hover {
    background: var(--gray-200);
    color: var(--dark);
    box-shadow: none;
}

.form-btn--submit {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    box-shadow: 0 4px 15px rgba(13, 159, 97, 0.3);
}

.form-btn--submit:hover {
    box-shadow: 0 8px 25px rgba(13, 159, 97, 0.4);
}

/* ===== Form Overlay (popup) ===== */
.form-overlay {
    display: none;
    position: fixed;
    inset: 0;
    z-index: 10000;
    background: rgba(15, 23, 42, 0.7);
    backdrop-filter: blur(6px);
    justify-content: center;
    align-items: center;
    padding: 20px;
}

.form-overlay.active {
    display: flex;
    animation: fadeIn 0.3s ease;
}

.form-overlay__content {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 40px;
    max-width: 560px;
    width: 100%;
    box-shadow: var(--shadow-xl);
    position: relative;
    max-height: 90vh;
    overflow-y: auto;
    scrollbar-width: none;
    -ms-overflow-style: none;
}

.form-overlay__content::-webkit-scrollbar {
    display: none;
}

.form-overlay__close {
    position: absolute;
    top: 16px;
    right: 16px;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--gray-100);
    color: var(--gray);
    border: none;
    cursor: pointer;
    transition: all 0.2s;
    z-index: 1;
}

.form-overlay__close:hover {
    background: var(--gray-200);
    color: var(--dark);
}

.form-overlay__header {
    text-align: center;
    margin-bottom: 28px;
}

.form-overlay__title {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 6px;
}

.form-overlay__subtitle {
    font-size: 1.05rem;
    color: var(--primary);
    font-weight: 700;
}

@media (max-width: 768px) {
    .form-overlay__content {
        padding: 24px;
        max-height: 95vh;
    }
}

/* ===== Loading Overlay ===== */
.loading-overlay {
    display: none;
    position: fixed;
    inset: 0;
    z-index: 10000;
    background: rgba(15, 23, 42, 0.85);
    backdrop-filter: blur(8px);
    justify-content: center;
    align-items: center;
}

.loading-overlay.active {
    display: flex;
    animation: fadeIn 0.3s ease;
}

.loading-content {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 48px;
    max-width: 460px;
    width: 90%;
    text-align: center;
    box-shadow: var(--shadow-xl);
}

.loading-spinner {
    position: relative;
    width: 80px;
    height: 80px;
    margin: 0 auto 28px;
}

.spinner-ring {
    position: absolute;
    inset: 0;
    border: 4px solid var(--gray-200);
    border-top-color: var(--primary);
    border-radius: 50%;
    animation: spin 1s linear infinite;
}

@keyframes spin {
    to { transform: rotate(360deg); }
}

.spinner-icon {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    animation: pulse 2s ease-in-out infinite;
}

.loading-title {
    font-size: 1.5rem;
    font-weight: 800;
    margin-bottom: 8px;
    color: var(--dark);
}

.loading-subtitle {
    color: var(--gray);
    margin-bottom: 32px;
}

.loading-steps {
    text-align: left;
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 28px;
}

.loading-step {
    display: flex;
    align-items: center;
    gap: 12px;
    opacity: 0.3;
    transition: all 0.5s;
}

.loading-step.active {
    opacity: 1;
}

.loading-step.done {
    opacity: 1;
}

.loading-step__icon {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--gray-200);
    color: var(--gray);
    flex-shrink: 0;
    transition: all 0.3s;
}

.loading-step.active .loading-step__icon {
    background: var(--primary-glow-strong);
    color: var(--primary);
    animation: pulse 1.5s ease-in-out infinite;
}

.loading-step.done .loading-step__icon {
    background: var(--primary);
    color: var(--white);
}

.loading-step span {
    font-size: 0.9rem;
    font-weight: 500;
    color: var(--gray);
}

.loading-step.active span {
    color: var(--dark);
    font-weight: 600;
}

.loading-step.done span {
    color: var(--primary-dark);
}

.loading-progress {
    width: 100%;
    height: 6px;
    background: var(--gray-200);
    border-radius: 3px;
    overflow: hidden;
}

.loading-progress__bar {
    height: 100%;
    width: 0%;
    background: linear-gradient(90deg, var(--primary), var(--primary-light));
    border-radius: 3px;
    transition: width 0.5s ease;
}

/* ===== Offer Overlay ===== */
.offer-overlay {
    display: none;
    position: fixed;
    inset: 0;
    z-index: 10001;
    background: rgba(15, 23, 42, 0.85);
    backdrop-filter: blur(8px);
    justify-content: center;
    align-items: flex-start;
    padding: 40px 20px;
    overflow-y: auto;
}

.offer-overlay.active {
    display: flex;
    animation: fadeIn 0.3s ease;
}

.offer-content {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 40px;
    max-width: 880px;
    width: 100%;
    box-shadow: var(--shadow-xl);
    margin: auto;
    position: relative;
}

.offer-header {
    text-align: center;
    margin-bottom: 32px;
}

.offer-success-icon {
    margin-bottom: 16px;
    animation: scaleIn 0.5s ease;
}

@keyframes scaleIn {
    from { transform: scale(0); opacity: 0; }
    to { transform: scale(1); opacity: 1; }
}

.offer-title {
    font-size: 1.75rem;
    font-weight: 800;
    color: var(--dark);
    margin-bottom: 8px;
}

.offer-subtitle {
    color: var(--gray);
    font-size: 1rem;
}

/* Offer Cards */
.offers-list {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    margin-bottom: 24px;
}

.offer-card {
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 24px;
    transition: all 0.3s;
    position: relative;
    overflow: hidden;
}

.offer-card:hover {
    border-color: var(--primary);
    box-shadow: 0 4px 20px var(--primary-glow);
}

.offer-card--best {
    border-color: var(--primary);
    background: linear-gradient(135deg, rgba(13, 159, 97, 0.03) 0%, rgba(13, 159, 97, 0.08) 100%);
}

.offer-card__badge {
    position: absolute;
    top: 0;
    right: 24px;
    background: var(--primary);
    color: var(--white);
    padding: 4px 16px;
    border-radius: 0 0 var(--radius-sm) var(--radius-sm);
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.offer-card__top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 16px;
}

.offer-card__brand {
    display: flex;
    align-items: center;
    gap: 12px;
}

.offer-card__logo {
    width: 110px;
    height: 44px;
    background: var(--gray-100);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary);
    flex-shrink: 0;
}

.offer-card__logo--img {
    background: var(--white);
    padding: 6px 10px;
    border: 1px solid var(--gray-200);
}

.offer-card__logo--img img {
    width: 100%;
    height: 100%;
    object-fit: contain;
}

.offer-card__name {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--dark);
}

.offer-card__usp {
    font-size: 0.78rem;
    color: var(--primary-dark);
    font-weight: 500;
    line-height: 1.3;
    max-width: 240px;
}

.offer-card__type {
    font-size: 0.8rem;
    color: var(--gray);
}

.offer-card__amount {
    text-align: right;
}

.offer-card__amount-value {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--primary);
}

.offer-card__amount-label {
    font-size: 0.75rem;
    color: var(--gray);
}

.offer-card__details {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    padding: 16px 0;
    border-top: 1px solid var(--gray-200);
    border-bottom: 1px solid var(--gray-200);
    margin-bottom: 16px;
}

.offer-card__detail {
    text-align: center;
}

.offer-card__detail-value {
    font-size: 1rem;
    font-weight: 700;
    color: var(--dark);
}

.offer-card__detail-label {
    font-size: 0.75rem;
    color: var(--gray);
    margin-top: 2px;
}

.offer-card__cta {
    display: block;
    width: 100%;
    padding: 14px;
    background: var(--primary);
    color: var(--white);
    border-radius: var(--radius);
    font-size: 1rem;
    font-weight: 700;
    text-align: center;
    transition: all 0.3s;
    border: none;
    cursor: pointer;
}

.offer-card__cta:hover {
    background: var(--primary-dark);
    transform: translateY(-1px);
    box-shadow: 0 4px 15px rgba(13, 159, 97, 0.3);
}

.offer-card--alt .offer-card__cta {
    background: var(--white);
    color: var(--primary);
    border: 2px solid var(--primary);
}

.offer-card--alt .offer-card__cta:hover {
    background: var(--primary);
    color: var(--white);
}

.offer-footer {
    text-align: center;
}

.offer-disclaimer {
    font-size: 0.75rem;
    color: var(--gray-light);
    line-height: 1.5;
}

/* ===== Offer Card V2 (redesigned) ===== */
.offer-card-v2 {
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-lg);
    padding: 28px 24px;
    position: relative;
    transition: all 0.3s;
    background: var(--white);
}

.offer-card-v2:hover {
    border-color: var(--primary);
    box-shadow: 0 4px 20px var(--primary-glow);
}

.offer-card-v2--best {
    border-color: var(--primary);
    background: linear-gradient(160deg, rgba(13,159,97,0.02) 0%, rgba(13,159,97,0.06) 100%);
}

.offer-card-v2__badge {
    position: absolute;
    top: -1px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--primary);
    color: var(--white);
    padding: 5px 20px;
    border-radius: 0 0 var(--radius-sm) var(--radius-sm);
    font-size: 0.68rem;
    font-weight: 800;
    letter-spacing: 0.08em;
}

.offer-card-v2__header {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 16px;
}

.offer-card-v2__logo {
    width: 110px;
    height: 44px;
    border-radius: var(--radius-sm);
    background: var(--white);
    border: 1px solid var(--gray-200);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 6px 12px;
    flex-shrink: 0;
}

.offer-card-v2__logo img {
    width: 100%;
    height: 100%;
    object-fit: contain;
}

.offer-card-v2__name {
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--dark);
}

.offer-card-v2__type {
    font-size: 0.78rem;
    color: var(--gray);
    margin-top: 2px;
}

.offer-card-v2__usp {
    font-size: 0.78rem;
    color: var(--primary-dark);
    font-weight: 600;
    margin-top: 2px;
}

.offer-card-v2__rating {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--dark);
    margin-bottom: 18px;
}

.offer-stars {
    color: #F59E0B;
    letter-spacing: 1px;
}

.offer-stars--empty {
    color: var(--gray-200);
}

.offer-card-v2__stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    border-top: 1px solid var(--gray-200);
    border-bottom: 1px solid var(--gray-200);
    margin-bottom: 16px;
}

.offer-card-v2__stat {
    padding: 12px 6px;
    text-align: center;
    border-right: 1px solid var(--gray-200);
}

.offer-card-v2__stat:last-child {
    border-right: none;
}

.offer-card-v2__stat-label {
    font-size: 0.62rem;
    color: var(--gray);
    text-transform: uppercase;
    letter-spacing: 0.04em;
    font-weight: 500;
    margin-bottom: 4px;
}

.offer-card-v2__stat-value {
    font-size: 0.82rem;
    font-weight: 800;
    color: var(--dark);
    white-space: nowrap;
}

.offer-card-v2__desc {
    font-size: 0.8rem;
    color: var(--gray);
    line-height: 1.55;
    margin-bottom: 16px;
}

.offer-card-v2__cta {
    display: block;
    width: 100%;
    padding: 13px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
    color: #FFFFFF;
    border: none;
    border-radius: var(--radius);
    font-size: 0.92rem;
    font-weight: 700;
    text-align: center;
    text-decoration: none;
    transition: all 0.3s;
    box-shadow: 0 4px 12px rgba(13,159,97,0.2);
}

.offer-card-v2__cta:hover {
    transform: translateY(-1px);
    box-shadow: 0 6px 20px rgba(13,159,97,0.3);
    color: #FFFFFF;
}

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

    .offer-content {
        padding: 24px;
        max-width: 100%;
    }

    .offer-card-v2 {
        padding: 22px 18px;
    }

    .offer-card-v2__stats {
        grid-template-columns: repeat(3, 1fr);
    }
}

/* ===== How It Works ===== */
.how-it-works {
    padding: 80px 0;
    background: var(--bg);
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.step-card {
    text-align: center;
    padding: 32px 24px;
    background: var(--white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--gray-200);
    transition: all 0.3s;
    position: relative;
}

.step-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--primary-glow-strong);
}

.step-card__number {
    position: absolute;
    top: 16px;
    left: 20px;
    font-size: 0.75rem;
    font-weight: 800;
    color: var(--primary);
    opacity: 0.5;
}

.step-card__icon {
    font-size: 2.5rem;
    margin-bottom: 16px;
}

.step-card__title {
    font-size: 1.05rem;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--dark);
}

.step-card__text {
    font-size: 0.88rem;
    color: var(--gray);
    line-height: 1.5;
}

/* ===== Benefits ===== */
.benefits {
    padding: 80px 0;
    background: var(--white);
}

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

.benefit-card {
    padding: 32px;
    background: var(--bg);
    border-radius: var(--radius-lg);
    border: 1px solid var(--gray-200);
    transition: all 0.3s;
}

.benefit-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--primary-glow-strong);
}

.benefit-card__icon {
    font-size: 2rem;
    margin-bottom: 16px;
}

.benefit-card__title {
    font-size: 1.05rem;
    font-weight: 700;
    margin-bottom: 8px;
    color: var(--dark);
}

.benefit-card__text {
    font-size: 0.88rem;
    color: var(--gray);
    line-height: 1.5;
}

/* ===== FAQ ===== */
.faq {
    padding: 80px 0;
    background: var(--bg);
}

.faq-list {
    max-width: 700px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.faq-item {
    background: var(--white);
    border-radius: var(--radius);
    border: 1px solid var(--gray-200);
    overflow: hidden;
    transition: all 0.3s;
}

.faq-item.active {
    border-color: var(--primary);
    box-shadow: 0 4px 12px var(--primary-glow);
}

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 24px;
    font-size: 0.95rem;
    font-weight: 600;
    color: var(--dark);
    text-align: left;
    cursor: pointer;
    transition: color 0.2s;
}

.faq-question:hover {
    color: var(--primary);
}

.faq-arrow {
    flex-shrink: 0;
    transition: transform 0.3s;
    color: var(--gray);
}

.faq-item.active .faq-arrow {
    transform: rotate(180deg);
    color: var(--primary);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s;
}

.faq-item.active .faq-answer {
    max-height: 200px;
}

.faq-answer p {
    padding: 0 24px 20px;
    color: var(--gray);
    font-size: 0.9rem;
    line-height: 1.6;
}

/* ===== CTA Section ===== */
.cta-section {
    padding: 80px 0;
    background: var(--white);
}

.cta-inner {
    background: linear-gradient(135deg, #0D9F61 0%, #065F46 100%);
    border-radius: var(--radius-xl);
    padding: 64px 40px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta-inner::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -30%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(255,255,255,0.1) 0%, transparent 70%);
    pointer-events: none;
}

.cta-title {
    font-size: 2.25rem;
    font-weight: 800;
    color: var(--white);
    margin-bottom: 12px;
    letter-spacing: -0.02em;
}

.cta-subtitle {
    color: rgba(255,255,255,0.8);
    font-size: 1.1rem;
    margin-bottom: 32px;
}

.cta-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: var(--white);
    color: var(--primary-dark);
    padding: 16px 40px;
    border-radius: var(--radius-full);
    font-size: 1.1rem;
    font-weight: 700;
    transition: all 0.3s;
    box-shadow: 0 4px 15px rgba(0,0,0,0.1);
}

.cta-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(0,0,0,0.15);
}

/* ===== Footer ===== */
.footer {
    padding: 60px 0 0;
    background: var(--dark);
    color: var(--white);
}

.footer__inner {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 36px;
    padding-bottom: 40px;
    border-bottom: 1px solid var(--dark-3);
}

.footer .logo__text {
    color: var(--white);
}

.footer__desc {
    margin-top: 16px;
    color: var(--gray);
    font-size: 0.9rem;
    line-height: 1.6;
}

.footer__links {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.footer__links h4 {
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 4px;
}

.footer__links a {
    font-size: 0.85rem;
    color: var(--gray);
    transition: color 0.2s;
}

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

.footer__hours {
    font-size: 0.8rem;
    color: var(--gray);
    margin-top: 4px;
}

.footer__bottom {
    padding: 20px 0;
    text-align: center;
}

.footer__bottom p {
    font-size: 0.8rem;
    color: var(--gray);
    line-height: 1.6;
}

/* ===== Responsive ===== */
@media (max-width: 1024px) {
    .hero__inner {
        grid-template-columns: 1fr;
        gap: 40px;
        text-align: center;
    }

    .hero__title {
        font-size: 2.75rem;
    }

    .hero__subtitle {
        max-width: 100%;
    }

    .hero__stats {
        justify-content: center;
    }

    .hero__visual {
        display: flex;
        justify-content: center;
        margin-top: -10px;
    }

    .hero__card {
        width: 280px;
        height: 170px;
        padding: 20px;
        border-radius: 16px;
        transform: rotate(-3deg);
    }

    .hero__card-top {
        margin-bottom: 20px;
    }

    .hero__card-chip {
        width: 32px;
        height: 24px;
    }

    .hero__card-logo {
        font-size: 1rem;
    }

    .hero__card-number {
        font-size: 0.95rem;
        margin-bottom: 16px;
    }

    .hero__card-label {
        font-size: 0.55rem;
    }

    .hero__card-value {
        font-size: 0.72rem;
    }

    .hero__card-amount {
        font-size: 0.85rem;
        padding: 4px 10px;
    }

    .hero__floating {
        padding: 6px 14px;
        font-size: 0.72rem;
    }

    .hero__floating-icon {
        font-size: 0.8rem;
    }

    .hero__floating--1 {
        top: -5px;
        left: 10px;
    }

    .hero__floating--2 {
        bottom: 30px;
        left: -5px;
    }

    .hero__floating--3 {
        bottom: -5px;
        right: 10px;
    }

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

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

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

@media (max-width: 768px) {
    /* --- Global --- */
    .container {
        padding: 0 16px;
    }

    .section-title {
        font-size: 1.5rem;
        padding: 0 4px;
    }

    .section-subtitle {
        font-size: 0.95rem;
        padding: 0 4px;
    }

    /* --- Header --- */
    .nav {
        display: none;
    }

    .header__cta {
        display: none;
    }

    .mobile-menu-btn {
        display: flex;
    }

    /* --- Hero --- */
    .hero {
        padding: 90px 0 40px;
    }

    .hero__title {
        font-size: 1.75rem;
        line-height: 1.2;
    }

    .hero__title br {
        display: none;
    }

    .hero__subtitle {
        font-size: 0.9rem;
        margin-bottom: 20px;
    }

    .hero__badge {
        font-size: 0.75rem;
        padding: 5px 14px;
        margin-bottom: 14px;
    }

    .hero__stats {
        flex-direction: row;
        gap: 0;
        padding: 14px 16px;
        justify-content: space-around;
    }

    .hero__stat {
        text-align: center;
        flex: 1;
    }

    .hero__stat-value {
        font-size: 1.05rem;
    }

    .hero__stat-label {
        font-size: 0.65rem;
    }

    .hero__stat-divider {
        width: 1px;
        height: 32px;
        margin: 0;
    }

    .hero__btn {
        width: 100%;
        justify-content: center;
        padding: 14px 24px;
        font-size: 0.95rem;
    }

    /* --- Trust Bar --- */
    .trust-bar {
        padding: 16px 0;
    }

    .trust-bar__inner {
        grid-template-columns: 1fr 1fr;
        gap: 10px;
    }

    .trust-bar__item {
        flex-direction: column;
        text-align: center;
        gap: 6px;
        padding: 14px 10px;
        min-height: 90px;
        justify-content: center;
    }

    .trust-bar__icon svg {
        width: 24px;
        height: 24px;
    }

    .trust-bar__item strong {
        font-size: 0.82rem;
        line-height: 1.2;
    }

    .trust-bar__item span {
        font-size: 0.68rem;
    }

    /* --- Form / Calculator Section --- */
    .form-section {
        padding: 36px 0;
    }

    .form-section__header {
        margin-bottom: 20px;
    }

    .form-wrapper {
        padding: 20px 16px;
        border-radius: var(--radius-lg);
    }

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

    .form-label {
        font-size: 0.8rem;
        margin-bottom: 6px;
    }

    .form-input {
        padding: 12px;
        font-size: 0.88rem;
    }

    .amount-selector,
    .term-selector {
        margin-bottom: 20px;
    }

    .amount-display,
    .term-display {
        font-size: 1.6rem;
        margin-bottom: 10px;
    }

    .range-labels {
        font-size: 0.72rem;
    }

    .loan-summary {
        padding: 14px 16px;
        margin-bottom: 20px;
    }

    .loan-summary__row {
        font-size: 0.85rem;
        padding: 6px 0;
    }

    .loan-summary__row--total strong {
        font-size: 1rem;
    }

    .loan-summary__first {
        font-size: 0.78rem;
        padding: 8px 12px;
    }

    .form-btn {
        padding: 14px 20px;
        font-size: 0.92rem;
    }

    /* --- Form Overlay (popup) --- */
    .form-overlay__content {
        padding: 24px 20px;
        margin: 10px;
        max-height: 92vh;
        border-radius: var(--radius-lg);
    }

    .form-overlay__close {
        top: 12px;
        right: 12px;
        width: 36px;
        height: 36px;
    }

    .form-overlay__title {
        font-size: 1.25rem;
    }

    .form-overlay__subtitle {
        font-size: 0.95rem;
    }

    .form-consent {
        margin-bottom: 20px;
    }

    .checkbox-text {
        font-size: 0.78rem;
    }

    /* --- Loading Overlay --- */
    .loading-content {
        padding: 28px 20px;
        border-radius: var(--radius-lg);
    }

    .loading-spinner {
        width: 64px;
        height: 64px;
    }

    .spinner-icon {
        font-size: 1.5rem;
    }

    .loading-title {
        font-size: 1.2rem;
    }

    .loading-subtitle {
        font-size: 0.88rem;
    }

    .loading-step span {
        font-size: 0.82rem;
    }

    /* --- Offer Overlay --- */
    .offer-overlay {
        padding: 16px;
    }

    .offer-content {
        padding: 20px 16px;
        border-radius: var(--radius-lg);
    }

    .offer-content .form-overlay__close {
        top: 12px;
        right: 12px;
    }

    .offer-title {
        font-size: 1.3rem;
    }

    .offer-subtitle {
        font-size: 0.88rem;
    }

    .offer-card {
        padding: 16px;
        border-radius: var(--radius);
    }

    .offer-card__badge {
        font-size: 0.65rem;
        padding: 3px 10px;
        right: 12px;
    }

    .offer-card__top {
        flex-direction: column;
        align-items: flex-start;
        gap: 10px;
    }

    .offer-card__brand {
        gap: 10px;
    }

    .offer-card__logo {
        width: 90px;
        height: 36px;
    }

    .offer-card__name {
        font-size: 0.95rem;
    }

    .offer-card__usp {
        font-size: 0.72rem;
        max-width: 100%;
    }

    .offer-card__amount {
        text-align: left;
    }

    .offer-card__amount-value {
        font-size: 1.2rem;
    }

    .offer-card__details {
        grid-template-columns: repeat(3, 1fr);
        gap: 0;
        padding: 12px 0;
    }

    .offer-card__detail-value {
        font-size: 0.82rem;
    }

    .offer-card__detail-label {
        font-size: 0.62rem;
    }

    .offer-card__cta {
        padding: 12px;
        font-size: 0.9rem;
    }

    .offer-disclaimer {
        font-size: 0.68rem;
    }

    /* --- How It Works --- */
    .how-it-works {
        padding: 36px 0;
    }

    .steps-grid {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
    }

    .step-card {
        padding: 24px 18px;
        text-align: center;
    }

    .step-card__icon {
        margin-bottom: 12px;
    }

    .step-card__icon svg {
        width: 32px;
        height: 32px;
    }

    .step-card__title {
        font-size: 0.88rem;
    }

    .step-card__text {
        font-size: 0.78rem;
    }

    /* --- Benefits --- */
    .benefits {
        padding: 36px 0;
    }

    .benefits-grid {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
    }

    .benefit-card {
        padding: 22px 16px;
        text-align: center;
    }

    .benefit-card__icon {
        margin-bottom: 10px;
    }

    .benefit-card__icon svg {
        width: 28px;
        height: 28px;
    }

    .benefit-card__title {
        font-size: 0.88rem;
        margin-bottom: 6px;
    }

    .benefit-card__text {
        font-size: 0.75rem;
    }

    /* --- FAQ --- */
    .faq {
        padding: 36px 0;
    }

    .faq-question {
        padding: 16px 18px;
        font-size: 0.88rem;
        gap: 12px;
    }

    .faq-answer p {
        padding: 0 18px 16px;
        font-size: 0.85rem;
    }

    .faq-item.active .faq-answer {
        max-height: 300px;
    }

    /* --- CTA Section --- */
    .cta-section {
        padding: 36px 0;
    }

    .cta-inner {
        padding: 28px 18px;
        border-radius: var(--radius-lg);
    }

    .cta-title {
        font-size: 1.3rem;
    }

    .cta-subtitle {
        font-size: 0.88rem;
        margin-bottom: 20px;
    }

    .cta-btn {
        padding: 14px 24px;
        font-size: 0.92rem;
        width: 100%;
        justify-content: center;
    }

    /* --- Footer --- */
    .footer {
        padding: 32px 0 0;
    }

    .footer__inner {
        grid-template-columns: 1fr;
        gap: 24px;
        text-align: center;
    }

    .footer__brand {
        text-align: center;
    }

    .footer__desc {
        font-size: 0.82rem;
    }

    .footer__links {
        gap: 8px;
    }

    .footer__links h4 {
        font-size: 0.82rem;
    }

    .footer__links a {
        font-size: 0.8rem;
    }

    .footer__bottom {
        padding: 16px 0;
    }

    .footer__bottom p {
        font-size: 0.68rem;
    }

    /* --- Form Actions --- */
    .form-actions {
        flex-direction: column-reverse;
    }

    /* --- Data table horizontal scroll --- */
    .data-table {
        display: block;
        overflow-x: auto;
        -webkit-overflow-scrolling: touch;
    }

    .data-table thead,
    .data-table tbody,
    .data-table tr,
    .data-table th,
    .data-table td {
        display: revert;
    }

    .data-table th,
    .data-table td {
        white-space: nowrap;
        min-width: 100px;
        font-size: 0.82rem;
        padding: 10px 12px;
    }

    .data-table th:first-child,
    .data-table td:first-child {
        position: sticky;
        left: 0;
        z-index: 2;
        min-width: 120px;
        white-space: normal;
    }

    .data-table th:first-child {
        background: var(--dark);
    }

    .data-table td:first-child {
        background: var(--white);
    }

    .data-table tbody tr:nth-child(even) td:first-child {
        background: var(--gray-100);
    }
}

@media (max-width: 480px) {
    .hero {
        padding: 80px 0 32px;
    }

    .hero__title {
        font-size: 1.4rem;
    }

    .hero__subtitle {
        font-size: 0.85rem;
    }

    .hero__badge {
        font-size: 0.7rem;
        padding: 4px 10px;
        margin-bottom: 10px;
    }

    .hero__stats {
        padding: 10px 12px;
        border-radius: var(--radius);
    }

    .hero__stat-value {
        font-size: 0.92rem;
    }

    .hero__stat-label {
        font-size: 0.6rem;
    }

    .hero__btn {
        padding: 12px 20px;
        font-size: 0.88rem;
    }

    .section-title {
        font-size: 1.25rem;
    }

    .section-subtitle {
        font-size: 0.85rem;
    }

    .trust-bar__inner {
        grid-template-columns: 1fr 1fr;
        gap: 8px;
    }

    .trust-bar__item {
        padding: 12px 8px;
        min-height: 80px;
    }

    .trust-bar__icon svg {
        width: 22px;
        height: 22px;
    }

    .trust-bar__item strong {
        font-size: 0.75rem;
    }

    .trust-bar__item span {
        font-size: 0.62rem;
    }

    /* --- Calculator 480px --- */
    .form-section {
        padding: 28px 0;
    }

    .form-wrapper {
        padding: 16px 14px;
    }

    .amount-display,
    .term-display {
        font-size: 1.4rem;
        margin-bottom: 8px;
    }

    .loan-summary {
        padding: 12px 14px;
    }

    .loan-summary__row {
        font-size: 0.82rem;
        padding: 5px 0;
    }

    /* --- Steps 480px --- */
    .steps-grid {
        grid-template-columns: 1fr 1fr;
        gap: 10px;
    }

    .step-card {
        padding: 18px 14px;
        text-align: center;
    }

    .step-card__icon svg {
        width: 28px;
        height: 28px;
    }

    .step-card__title {
        font-size: 0.82rem;
    }

    .step-card__text {
        font-size: 0.72rem;
    }

    /* --- Footer 480px --- */
    .footer__inner {
        gap: 20px;
    }

    .offer-card__details {
        grid-template-columns: 1fr;
        gap: 8px;
        padding: 8px 0;
    }

    .offer-card__detail {
        display: flex;
        justify-content: space-between;
        align-items: center;
        padding: 6px 12px;
        text-align: left;
    }

    .offer-card__detail-label {
        order: -1;
    }

    .steps-indicator {
        gap: 0;
    }

    .step__line {
        min-width: 30px;
    }

    .amount-display,
    .term-display {
        font-size: 1.5rem;
    }

    .loan-summary__row--total strong {
        font-size: 1rem;
    }

    /* --- Offer Card V2 (480px) --- */
    .offer-card-v2 {
        padding: 18px 14px;
    }

    .offer-card-v2__header {
        gap: 10px;
        margin-bottom: 12px;
    }

    .offer-card-v2__logo {
        width: 90px;
        height: 36px;
        padding: 4px 8px;
    }

    .offer-card-v2__name {
        font-size: 1rem;
    }

    .offer-card-v2__rating {
        font-size: 0.85rem;
        margin-bottom: 14px;
    }

    .offer-card-v2__stats {
        grid-template-columns: 1fr;
    }

    .offer-card-v2__stat {
        padding: 8px 10px;
        display: flex;
        justify-content: space-between;
        align-items: center;
        text-align: left;
        border-right: none;
        border-bottom: 1px solid var(--gray-200);
    }

    .offer-card-v2__stat:last-child {
        border-bottom: none;
    }

    .offer-card-v2__stat-label {
        order: -1;
        text-transform: none;
        font-size: 0.75rem;
    }

    .offer-card-v2__stat-value {
        font-size: 0.88rem;
    }

    .offer-card-v2__desc {
        font-size: 0.78rem;
        margin-bottom: 14px;
    }

    /* --- Offer Overlay (480px) --- */
    .offer-overlay {
        padding: 20px 10px;
    }

    .offer-content {
        padding: 16px 14px;
        border-radius: var(--radius-lg);
    }

    .offer-title {
        font-size: 1.3rem;
    }

    .offer-subtitle {
        font-size: 0.85rem;
    }

    .offer-header {
        margin-bottom: 20px;
    }

    .offer-success-icon svg {
        width: 36px;
        height: 36px;
    }

    /* --- Form Overlay (480px) --- */
    .form-overlay {
        padding: 10px;
    }

    .form-overlay__content {
        padding: 20px 16px;
        border-radius: var(--radius-lg);
    }

    .form-overlay__close {
        width: 32px;
        height: 32px;
        top: 12px;
        right: 12px;
    }

    .form-overlay__title {
        font-size: 1.2rem;
    }

    .form-overlay__subtitle {
        font-size: 0.9rem;
    }

    .form-grid {
        gap: 10px;
    }

    .form-input {
        padding: 12px;
        font-size: 0.88rem;
    }

    .form-label {
        font-size: 0.78rem;
    }

    .form-btn {
        padding: 14px;
        font-size: 0.92rem;
    }

    /* --- Loading Overlay (480px) --- */
    .loading-content {
        padding: 28px 16px;
    }

    .loading-spinner {
        width: 56px;
        height: 56px;
        margin-bottom: 16px;
    }

    .loading-title {
        font-size: 1.1rem;
    }

    .loading-subtitle {
        font-size: 0.82rem;
    }

    .loading-step span {
        font-size: 0.82rem;
    }

    /* --- Trust Bar (480px) --- */
    .trust-bar__item {
        gap: 10px;
    }

    .trust-bar__item strong {
        font-size: 0.85rem;
    }

    .trust-bar__item span {
        font-size: 0.7rem;
    }
}