@import url('https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&display=swap');
@import 'variables.css';

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

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

body {
  font-family: var(--font-family);
  color: var(--text-muted);
  background: var(--bg-cream);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--green-primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--green-dark); }

h1, h2, h3, h4, h5, h6 {
  color: var(--text-dark);
  font-weight: 700;
  line-height: 1.25;
}

h1 { font-size: clamp(2rem, 5vw, 3.25rem); }
h2 { font-size: clamp(1.75rem, 4vw, 2.5rem); }
h3 { font-size: clamp(1.25rem, 3vw, 1.5rem); }
h4 { font-size: 1.125rem; }

p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 1.25rem;
}

.section { padding: 5rem 0; }
.section--white { background: var(--bg-white); }
.section--cream { background: var(--bg-cream); }

.section-label {
  display: inline-block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--green-primary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.75rem;
}

.section-header { text-align: center; max-width: 700px; margin: 0 auto 3rem; }
.section-header p { margin-top: 1rem; }

/* Top bar */
.top-bar {
  background: var(--gold-accent);
  color: var(--text-dark);
  text-align: center;
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
  font-weight: 500;
  min-height: var(--topbar-height);
  display: flex;
  align-items: center;
  justify-content: center;
}

.top-bar a { color: var(--text-dark); font-weight: 700; text-decoration: underline; }
.top-bar a:hover { color: var(--green-primary); }

/* Header */
.site-header {
  background: var(--bg-white);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 1000;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: var(--header-height);
  gap: 1rem;
}

.logo { display: flex; align-items: center; gap: 0.75rem; flex-shrink: 0; }
.logo img, .logo svg { height: 44px; width: auto; }
.logo-text { display: flex; flex-direction: column; line-height: 1.2; }
.logo-text strong { font-size: 1.125rem; color: var(--text-dark); font-weight: 700; }
.logo-text span { font-size: 0.7rem; color: var(--text-muted); font-weight: 500; }

.main-nav { display: flex; align-items: center; gap: 1.75rem; }
.main-nav a {
  color: var(--text-dark);
  font-weight: 500;
  font-size: 0.9375rem;
  position: relative;
}
.main-nav a:hover, .main-nav a.active { color: var(--green-primary); }
.main-nav a.btn--primary,
.main-nav a.btn--primary:hover {
  color: #fff;
}
.main-nav a.active.btn--primary::after { display: none; }
.main-nav a.active::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--green-primary);
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
  width: 44px;
  height: 44px;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text-dark);
  margin: 5px auto;
  transition: var(--transition);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.875rem 1.75rem;
  font-family: var(--font-family);
  font-size: 0.9375rem;
  font-weight: 600;
  border: none;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  text-decoration: none;
  min-height: 44px;
}

.btn--primary { background: var(--green-primary); color: #fff; }
.btn--primary:hover { background: var(--green-dark); color: #fff; transform: translateY(-1px); box-shadow: var(--shadow-md); }

.btn--outline {
  background: transparent;
  color: var(--green-primary);
  border: 2px solid var(--green-primary);
}
.btn--outline:hover { background: var(--green-primary); color: #fff; }

.btn--gold { background: var(--gold-accent); color: var(--text-dark); }
.btn--gold:hover { background: var(--gold-dark); color: var(--text-dark); }

/* Grid */
.grid { display: grid; gap: 2rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* Hero */
.hero {
  padding: 4rem 0 5rem;
  background: var(--bg-cream);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.hero-content .section-label { margin-bottom: 1rem; }
.hero-content h1 { margin-bottom: 1.25rem; }
.hero-content p { font-size: 1.0625rem; margin-bottom: 2rem; max-width: 480px; }

.hero-visual { position: relative; }
.hero-image-wrap {
  position: relative;
  background: var(--green-primary);
  padding: 2rem 2rem 0 0;
  margin-left: 2rem;
}

.hero-image-wrap::before {
  content: '';
  position: absolute;
  top: -1rem;
  right: -1rem;
  width: 120px;
  height: 120px;
  background: repeating-conic-gradient(var(--gold-accent) 0% 25%, transparent 0% 50%) 0 0 / 20px 20px;
  z-index: 0;
}

.hero-image-wrap img {
  position: relative;
  z-index: 1;
  width: 100%;
  object-fit: cover;
  min-height: 400px;
}

/* Flexible section */
.flexible-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.collage { position: relative; min-height: 450px; }
.collage-img-main {
  width: 75%;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
}
.collage-img-sub {
  position: absolute;
  bottom: 0;
  right: 0;
  width: 55%;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  border: 4px solid var(--bg-cream);
}
.collage-badge {
  position: absolute;
  top: 10%;
  right: 5%;
  background: var(--gold-accent);
  padding: 1.25rem 1.5rem;
  border-radius: var(--radius-md);
  text-align: center;
  box-shadow: var(--shadow-md);
  z-index: 2;
}
.collage-badge strong { display: block; font-size: 2rem; color: var(--text-dark); line-height: 1; }
.collage-badge span { font-size: 0.8125rem; color: var(--text-dark); font-weight: 600; }

.checklist { list-style: none; margin: 1.5rem 0 2rem; }
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.5rem 0;
  font-size: 1rem;
}
.checklist .check-icon {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  background: var(--green-primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 0.75rem;
  margin-top: 2px;
}

.team-avatars { display: flex; gap: -0.5rem; margin-top: 1.5rem; }
.team-avatars img {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 2px solid var(--bg-white);
  object-fit: cover;
  margin-left: -8px;
}
.team-avatars img:first-child { margin-left: 0; }
.team-avatars span { margin-left: 0.75rem; font-size: 0.875rem; align-self: center; }

/* Interest rates 2x2 */
.rates-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.feature-grid-2x2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.feature-grid-2x2 img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  border-radius: var(--radius-md);
}
.feature-tile {
  background: var(--gold-accent);
  padding: 1.5rem;
  border-radius: var(--radius-md);
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: 200px;
}
.feature-tile .icon {
  width: 40px;
  height: 40px;
  background: var(--green-primary);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.25rem;
  margin-bottom: 0.75rem;
}
.feature-tile h4 { margin-bottom: 0.5rem; }
.feature-tile p { font-size: 0.875rem; margin: 0; }

/* Service cards */
.service-card {
  background: var(--bg-white);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.service-card-img { position: relative; height: 220px; overflow: hidden; }
.service-card-img img { width: 100%; height: 100%; object-fit: cover; }
.service-card-icon {
  position: absolute;
  bottom: -20px;
  left: 1.5rem;
  width: 48px;
  height: 48px;
  background: var(--green-primary);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.25rem;
  z-index: 2;
}
.service-card-body { padding: 2rem 1.5rem 1.5rem; }
.service-card-body h3 { margin-bottom: 0.75rem; }
.service-card-body p { font-size: 0.9375rem; margin-bottom: 1rem; }
.read-more { font-weight: 600; font-size: 0.9375rem; display: inline-flex; align-items: center; gap: 0.25rem; }

/* Personalized */
.personalized-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.personalized-img img {
  width: 100%;
  min-height: 500px;
  object-fit: cover;
  border-radius: var(--radius-md);
}
.feature-cards-2x2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.mini-card {
  background: var(--bg-white);
  padding: 1.5rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  transition: border-color var(--transition);
}
.mini-card:hover { border-color: var(--green-primary); }
.mini-card .icon {
  width: 36px;
  height: 36px;
  background: var(--green-light);
  color: var(--green-primary);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  margin-bottom: 0.75rem;
}
.mini-card h4 { margin-bottom: 0.5rem; font-size: 1rem; }
.mini-card p { font-size: 0.875rem; margin: 0; }

/* Fast approval */
.approval-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.approval-collage { position: relative; min-height: 400px; }
.approval-collage .img-circle {
  position: absolute;
  top: 0;
  left: 0;
  width: 55%;
  border-radius: 50%;
  overflow: hidden;
  border: 6px solid var(--bg-cream);
  box-shadow: var(--shadow-md);
  z-index: 2;
}
.approval-collage .img-circle img { width: 100%; height: 280px; object-fit: cover; }
.approval-collage .img-rect {
  position: absolute;
  bottom: 0;
  right: 0;
  width: 60%;
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.approval-collage .img-rect img { width: 100%; height: 250px; object-fit: cover; }

.email-cta {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-top: 2rem;
  padding: 1rem 1.25rem;
  background: var(--bg-white);
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
}
.email-cta .icon-wrap {
  width: 48px;
  height: 48px;
  background: var(--gold-accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  flex-shrink: 0;
}
.email-cta strong { display: block; color: var(--text-dark); font-size: 0.9375rem; }
.email-cta a { font-size: 0.9375rem; }

/* Security */
.security-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.security-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.security-card {
  position: relative;
  border-radius: var(--radius-md);
  overflow: hidden;
  min-height: 320px;
}
.security-card img { width: 100%; height: 100%; object-fit: cover; min-height: 320px; }
.security-card .overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(transparent 40%, rgba(0,0,0,0.75));
  display: flex;
  align-items: flex-end;
  padding: 1.5rem;
}
.security-card .overlay span { color: #fff; font-weight: 600; font-size: 0.9375rem; }

/* Pre-footer CTA */
.cta-banner {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 3rem;
  align-items: center;
  background: var(--bg-white);
  padding: 3rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}
.cta-banner img {
  width: 100%;
  height: 300px;
  object-fit: cover;
  border-radius: var(--radius-md);
}

/* Page hero (inner pages) */
.page-hero {
  background: var(--green-primary);
  color: #fff;
  padding: 4rem 0;
  text-align: center;
}
.page-hero h1 { color: #fff; margin-bottom: 1rem; }
.page-hero p { color: rgba(255,255,255,0.85); max-width: 600px; margin: 0 auto; font-size: 1.0625rem; }
.breadcrumb {
  display: flex;
  justify-content: center;
  gap: 0.5rem;
  margin-bottom: 1rem;
  font-size: 0.875rem;
}
.breadcrumb a { color: var(--gold-accent); }
.breadcrumb span { color: rgba(255,255,255,0.6); }

/* Team cards */
.team-card {
  text-align: center;
  background: var(--bg-white);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.team-card img {
  width: 100%;
  height: 280px;
  object-fit: cover;
}
.team-card-body { padding: 1.5rem; }
.team-card-body h3 { margin-bottom: 0.25rem; }
.team-card-body .role { color: var(--green-primary); font-weight: 600; font-size: 0.875rem; margin-bottom: 0.75rem; }

/* Blog cards */
.blog-card {
  background: var(--bg-white);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.blog-card-img { height: 200px; overflow: hidden; }
.blog-card-img img { width: 100%; height: 100%; object-fit: cover; }
.blog-card-body { padding: 1.5rem; }
.blog-meta { font-size: 0.8125rem; color: var(--text-light); margin-bottom: 0.5rem; }
.blog-meta .category { color: var(--green-primary); font-weight: 600; }

/* FAQ accordion */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
  background: var(--bg-white);
  border-radius: var(--radius-md);
  margin-bottom: 0.75rem;
  border: 1px solid var(--border-light);
  overflow: hidden;
}
.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.25rem 1.5rem;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-family);
  font-size: 1rem;
  font-weight: 600;
  color: var(--text-dark);
  text-align: left;
  min-height: 44px;
}
.faq-question::after {
  content: '+';
  font-size: 1.5rem;
  color: var(--green-primary);
  flex-shrink: 0;
  margin-left: 1rem;
  transition: transform var(--transition);
}
.faq-item.active .faq-question::after { content: '−'; }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}
.faq-answer-inner { padding: 0 1.5rem 1.25rem; font-size: 0.9375rem; }
.faq-item.active .faq-answer { max-height: 500px; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; counter-reset: step; }
.step-card {
  text-align: center;
  padding: 2rem 1.5rem;
  background: var(--bg-white);
  border-radius: var(--radius-md);
  position: relative;
}
.step-number {
  width: 56px;
  height: 56px;
  background: var(--gold-accent);
  color: var(--text-dark);
  font-size: 1.5rem;
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
}
.step-card h3 { margin-bottom: 0.75rem; font-size: 1.125rem; }
.step-card p { font-size: 0.9375rem; }

/* Forms */
.form-group { margin-bottom: 1.25rem; }
.form-group label {
  display: block;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 0.5rem;
  font-size: 0.9375rem;
}
.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 0.875rem 1rem;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  font-family: var(--font-family);
  font-size: 1rem;
  background: var(--bg-white);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--green-primary);
  box-shadow: 0 0 0 3px rgba(0, 92, 75, 0.15);
}
.form-group input.error,
.form-group textarea.error { border-color: #c0392b; }
.form-error {
  color: #c0392b;
  font-size: 0.8125rem;
  margin-top: 0.35rem;
  display: none;
}
.form-group.has-error .form-error { display: block; }
.form-success {
  background: var(--green-light);
  color: var(--green-primary);
  padding: 1rem 1.25rem;
  border-radius: var(--radius-md);
  margin-bottom: 1.5rem;
  display: none;
}
.form-success.visible { display: block; }
.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
}
.checkbox-group input { width: auto; margin-top: 4px; }
.checkbox-group label { font-weight: 400; font-size: 0.875rem; margin: 0; }

.form-card {
  background: var(--bg-white);
  padding: 2.5rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  max-width: 600px;
  margin: 0 auto;
}

/* Product / blog detail */
.content-layout {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 3rem;
  align-items: start;
}
.content-main { background: var(--bg-white); padding: 2.5rem; border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); }
.content-main h2 { margin: 2rem 0 1rem; }
.content-main h3 { margin: 1.5rem 0 0.75rem; }
.content-main ul, .content-main ol { margin: 0 0 1rem 1.5rem; }
.content-main li { margin-bottom: 0.5rem; }

.sidebar {
  background: var(--bg-white);
  padding: 1.5rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: calc(var(--header-height) + 1rem);
}
.sidebar h4 { margin-bottom: 1rem; padding-bottom: 0.75rem; border-bottom: 2px solid var(--gold-accent); }
.sidebar ul { list-style: none; }
.sidebar li { padding: 0.35rem 0; }
.sidebar li a { font-size: 0.9375rem; color: var(--text-muted); }
.sidebar li a:hover { color: var(--green-primary); }

.legal-content {
  background: var(--bg-white);
  padding: 3rem;
  border-radius: var(--radius-lg);
  max-width: 900px;
  margin: 0 auto;
}
.legal-content h2 { font-size: 1.5rem; margin: 2.5rem 0 1rem; padding-top: 1rem; border-top: 1px solid var(--border-light); }
.legal-content h2:first-of-type { border-top: none; margin-top: 0; padding-top: 0; }
.legal-content h3 { font-size: 1.2rem; margin: 1.5rem 0 0.75rem; }
.legal-content p, .legal-content li { font-size: 0.9375rem; }
.legal-content ul, .legal-content ol { margin: 0 0 1rem 1.5rem; }
.legal-content .legal-lead { font-size: 1.0625rem; margin-bottom: 1.5rem; }

/* Footer */
.site-footer { background: var(--footer-bg); color: var(--footer-text); }
.footer-main { padding: 4rem 0 2rem; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 2.5rem;
}
.footer-about .logo-text strong { color: #fff; }
.footer-about .logo-text span { color: var(--footer-text); }
.footer-about p { font-size: 0.9375rem; margin: 1.25rem 0; line-height: 1.7; }
.footer-col h4 { color: #fff; font-size: 1.125rem; margin-bottom: 1.25rem; }
.footer-col ul { list-style: none; }
.footer-col li { padding: 0.3rem 0; }
.footer-col a { color: var(--gold-accent); font-size: 0.9375rem; }
.footer-col a:hover { color: #fff; }

.social-links { display: flex; gap: 0.75rem; margin-top: 1rem; }
.social-links a {
  width: 40px;
  height: 40px;
  background: rgba(255,255,255,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-accent);
  font-size: 1rem;
  transition: background var(--transition);
}
.social-links a:hover { background: var(--green-primary); color: #fff; }

.footer-contact p { display: flex; align-items: center; gap: 0.5rem; margin-bottom: 0.5rem; font-size: 0.9375rem; }
.footer-contact .icon { color: var(--gold-accent); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 1.25rem 0;
}
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.875rem;
}
.footer-legal { display: flex; gap: 1.5rem; flex-wrap: wrap; }
.footer-legal a { color: var(--footer-text); }
.footer-legal a:hover { color: var(--gold-accent); }

/* Utilities */
.text-center { text-align: center; }
.mt-1 { margin-top: 1rem; }
.mt-2 { margin-top: 2rem; }
.mb-2 { margin-bottom: 2rem; }
.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  border: 0;
}

/* Mobile nav */
@media (max-width: 992px) {
  .nav-toggle { display: block; }
  .main-nav {
    position: fixed;
    top: calc(var(--topbar-height) + var(--header-height));
    left: 0;
    right: 0;
    background: var(--bg-white);
    flex-direction: column;
    padding: 1.5rem;
    gap: 0;
    box-shadow: var(--shadow-lg);
    transform: translateY(-120%);
    opacity: 0;
    visibility: hidden;
    transition: transform var(--transition), opacity var(--transition), visibility var(--transition);
  }
  .main-nav.open {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
  }
  .main-nav a { padding: 0.875rem 0; width: 100%; border-bottom: 1px solid var(--border-light); }
  .main-nav .btn { width: 100%; margin-top: 0.5rem; }

  .hero-grid, .flexible-grid, .rates-grid, .personalized-grid,
  .approval-grid, .security-grid, .cta-banner, .content-layout {
    grid-template-columns: 1fr;
  }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-image-wrap { margin-left: 0; }
  .collage { min-height: 350px; }
}

@media (max-width: 576px) {
  .section { padding: 3rem 0; }
  .feature-grid-2x2, .feature-cards-2x2, .security-cards { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
  .cta-banner { padding: 1.5rem; }
  .content-main, .form-card, .legal-content { padding: 1.5rem; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

:focus-visible { outline: 2px solid var(--green-primary); outline-offset: 2px; }