/* =====================================================
   ROSA CREDIT — Premium CSS
   Design: Navy + Gold | Modern Financial Brand
   ===================================================== */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;800&family=Inter:wght@300;400;500;600;700&display=swap');

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

:root {
  --navy:       #0A1628;
  --navy-light: #122040;
  --navy-mid:   #1a2f55;
  --gold:       #D4A843;
  --gold-light: #F0C860;
  --gold-dark:  #B8902A;
  --blue:       #2563EB;
  --blue-light: #3B82F6;
  --white:      #FFFFFF;
  --gray-50:    #F8FAFC;
  --gray-100:   #F1F5F9;
  --gray-200:   #E2E8F0;
  --gray-400:   #94A3B8;
  --gray-600:   #475569;
  --gray-800:   #1E293B;
  --success:    #10B981;
  --radius:     12px;
  --radius-lg:  20px;
  --shadow:     0 4px 24px rgba(10,22,40,0.10);
  --shadow-lg:  0 12px 48px rgba(10,22,40,0.18);
  --transition: 0.3s cubic-bezier(0.4,0,0.2,1);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  background: var(--white);
  color: var(--gray-800);
  line-height: 1.6;
  overflow-x: hidden;
}

h1,h2,h3,h4 { font-family: 'Playfair Display', serif; line-height: 1.2; }

a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }
button { cursor: pointer; border: none; outline: none; font-family: 'Inter', sans-serif; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* ---- SCROLLBAR ---- */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--navy); }
::-webkit-scrollbar-thumb { background: var(--gold); border-radius: 3px; }

/* =====================================================
   NAVBAR
   ===================================================== */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 0;
  transition: var(--transition);
}

.navbar.scrolled {
  background: rgba(10,22,40,0.97);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: 0 2px 30px rgba(0,0,0,0.3);
}

.navbar-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 24px;
  max-width: 1200px; margin: 0 auto;
}

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

.logo-icon {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px; font-weight: 800;
  color: var(--navy);
  font-family: 'Playfair Display', serif;
  box-shadow: 0 4px 15px rgba(212,168,67,0.4);
}

.logo-text { color: var(--white); }
.logo-text span { display: block; }
.logo-name { font-family: 'Playfair Display', serif; font-size: 22px; font-weight: 700; letter-spacing: 0.5px; }
.logo-tagline { font-size: 10px; color: var(--gold); letter-spacing: 1.5px; text-transform: uppercase; margin-top: -2px; }

.nav-links { display: flex; align-items: center; gap: 8px; }
.nav-links a {
  color: rgba(255,255,255,0.85);
  font-size: 14px; font-weight: 500;
  padding: 8px 16px; border-radius: 8px;
  transition: var(--transition);
}
.nav-links a:hover { color: var(--gold); background: rgba(212,168,67,0.1); }

.nav-cta {
  background: linear-gradient(135deg, var(--gold), var(--gold-light)) !important;
  color: var(--navy) !important; font-weight: 700 !important;
  padding: 10px 22px !important; border-radius: 8px !important;
  box-shadow: 0 4px 15px rgba(212,168,67,0.35);
  transition: var(--transition) !important;
}
.nav-cta:hover { transform: translateY(-1px); box-shadow: 0 6px 20px rgba(212,168,67,0.5) !important; }

.hamburger {
  display: none; flex-direction: column; gap: 5px;
  background: none; padding: 8px;
}
.hamburger span {
  width: 24px; height: 2px;
  background: var(--white); border-radius: 2px;
  transition: var(--transition);
  display: block;
}

/* =====================================================
   HERO SECTION
   ===================================================== */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 50%, #0f1f3d 100%);
  position: relative; overflow: hidden;
  display: flex; align-items: center;
}

.hero-bg-pattern {
  position: absolute; inset: 0;
  background-image:
    radial-gradient(circle at 20% 50%, rgba(212,168,67,0.07) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(37,99,235,0.08) 0%, transparent 40%),
    radial-gradient(circle at 60% 80%, rgba(212,168,67,0.05) 0%, transparent 40%);
}

.hero-grid-lines {
  position: absolute; inset: 0; overflow: hidden;
}
.hero-grid-lines::before {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(212,168,67,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(212,168,67,0.03) 1px, transparent 1px);
  background-size: 60px 60px;
}

.hero-content {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px;
  align-items: center;
  padding: 120px 24px 80px;
  max-width: 1200px; margin: 0 auto; width: 100%;
}

.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(212,168,67,0.12); border: 1px solid rgba(212,168,67,0.3);
  color: var(--gold); font-size: 12px; font-weight: 600;
  padding: 6px 16px; border-radius: 50px;
  letter-spacing: 1px; text-transform: uppercase;
  margin-bottom: 24px;
}
.hero-badge::before { content: ''; width: 6px; height: 6px; background: var(--gold); border-radius: 50%; animation: pulse 2s infinite; }

@keyframes pulse {
  0%,100% { opacity:1; transform:scale(1); }
  50% { opacity:0.5; transform:scale(1.3); }
}

.hero-title {
  font-size: clamp(22px, 6vw, 64px);
  color: var(--white);
  font-weight: 800;
  margin-bottom: 24px;
  line-height: 1.1;
}
.hero-title .highlight {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-subtitle {
  color: rgba(255,255,255,0.7);
  font-size: 18px; line-height: 1.7;
  margin-bottom: 40px;
}

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

.btn-primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy); font-weight: 700; font-size: 15px;
  padding: 16px 32px; border-radius: var(--radius);
  box-shadow: 0 6px 25px rgba(212,168,67,0.4);
  transition: var(--transition); display: inline-flex; align-items: center; gap: 8px;
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 10px 35px rgba(212,168,67,0.55); }

.btn-secondary {
  background: rgba(255,255,255,0.08); border: 1.5px solid rgba(255,255,255,0.2);
  color: var(--white); font-weight: 600; font-size: 15px;
  padding: 16px 32px; border-radius: var(--radius);
  transition: var(--transition); display: inline-flex; align-items: center; gap: 8px;
  backdrop-filter: blur(10px);
}
.btn-secondary:hover { background: rgba(255,255,255,0.15); border-color: rgba(255,255,255,0.4); transform: translateY(-2px); }

.hero-trust {
  display: flex; align-items: center; gap: 20px;
  margin-top: 40px; padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero-trust-item {
  display: flex; align-items: center; gap: 8px;
  color: rgba(255,255,255,0.6); font-size: 13px;
}
.hero-trust-item .icon { color: var(--gold); font-size: 16px; }

/* Hero Card */
.hero-visual { position: relative; }

.hero-card {
  background: rgba(255,255,255,0.05);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
}

.hero-card-header {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 24px;
}
.hero-card-title { color: var(--white); font-size: 18px; font-weight: 600; }
.hero-card-badge {
  background: rgba(16,185,129,0.15); color: var(--success);
  font-size: 12px; font-weight: 600; padding: 4px 12px; border-radius: 50px;
  border: 1px solid rgba(16,185,129,0.3);
}

.hero-stats-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 24px; }

.hero-stat {
  background: rgba(255,255,255,0.05); border-radius: var(--radius);
  padding: 20px; border: 1px solid rgba(255,255,255,0.08);
  transition: var(--transition);
}
.hero-stat:hover { background: rgba(212,168,67,0.08); border-color: rgba(212,168,67,0.2); }
.hero-stat-value { font-size: 28px; font-weight: 800; color: var(--gold); font-family: 'Playfair Display', serif; }
.hero-stat-label { font-size: 12px; color: rgba(255,255,255,0.5); margin-top: 4px; }

.hero-progress-section {}
.hero-progress-label { display: flex; justify-content: space-between; margin-bottom: 8px; }
.hero-progress-label span { font-size: 13px; }
.hero-progress-label span:first-child { color: rgba(255,255,255,0.7); }
.hero-progress-label span:last-child { color: var(--gold); font-weight: 600; }
.progress-bar { height: 6px; background: rgba(255,255,255,0.1); border-radius: 3px; overflow: hidden; margin-bottom: 12px; }
.progress-fill { height: 100%; border-radius: 3px; background: linear-gradient(90deg, var(--gold), var(--gold-light)); }

.hero-floating {
  position: absolute;
  background: var(--white); border-radius: var(--radius);
  padding: 12px 20px; box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 12px;
  animation: float 4s ease-in-out infinite;
}
.hero-floating-1 { top: -20px; right: -20px; animation-delay: 0s; }
.hero-floating-2 { bottom: -20px; left: -20px; animation-delay: 2s; }

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

.floating-icon { width: 36px; height: 36px; border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: 18px; }
.floating-icon.green { background: rgba(16,185,129,0.1); }
.floating-icon.blue { background: rgba(37,99,235,0.1); }
.floating-text { font-size: 12px; }
.floating-text strong { display: block; color: var(--gray-800); font-weight: 700; font-size: 13px; }
.floating-text span { color: var(--gray-400); }

/* =====================================================
   STATS BAR
   ===================================================== */
.stats-bar {
  background: var(--gold);
  padding: 32px 0;
}

.stats-bar-inner {
  display: grid; grid-template-columns: repeat(4, 1fr);
  divide-x: 1px solid rgba(10,22,40,0.2);
}

.stat-item {
  text-align: center; padding: 0 24px;
  border-right: 1px solid rgba(10,22,40,0.15);
}
.stat-item:last-child { border-right: none; }

.stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 40px; font-weight: 800;
  color: var(--navy); line-height: 1;
}
.stat-label { font-size: 13px; color: var(--navy); opacity: 0.7; margin-top: 6px; font-weight: 500; }

/* =====================================================
   SECTION COMMONS
   ===================================================== */
section { padding: 100px 0; }

.section-header { text-align: center; margin-bottom: 64px; }
.section-tag {
  display: inline-block;
  background: rgba(212,168,67,0.1); color: var(--gold-dark);
  font-size: 12px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase;
  padding: 6px 18px; border-radius: 50px; margin-bottom: 16px;
  border: 1px solid rgba(212,168,67,0.2);
}
.section-title { font-size: clamp(20px, 5vw, 44px); color: var(--navy); margin-bottom: 16px; }
.section-title span { color: var(--gold-dark); }
.section-subtitle { color: var(--gray-600); font-size: clamp(14px, 2vw, 17px); max-width: 600px; margin: 0 auto; line-height: 1.7; }

/* =====================================================
   SERVICES SECTION
   ===================================================== */
.services { background: var(--gray-50); }

.services-tabs {
  display: flex; justify-content: center; gap: 8px;
  margin-bottom: 56px; background: var(--white);
  padding: 6px; border-radius: var(--radius); width: fit-content; margin-left: auto; margin-right: auto;
  box-shadow: var(--shadow);
}
.tab-btn {
  padding: 12px 28px; border-radius: 8px;
  font-size: 14px; font-weight: 600; transition: var(--transition);
  background: transparent; color: var(--gray-600);
}
.tab-btn.active {
  background: var(--navy); color: var(--white);
  box-shadow: 0 4px 15px rgba(10,22,40,0.2);
}
.tab-btn:hover:not(.active) { background: var(--gray-100); }

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

.service-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 36px 28px; border: 1.5px solid var(--gray-200);
  transition: var(--transition);
  position: relative; overflow: hidden;
  cursor: default;
}
.service-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0); transform-origin: left; transition: var(--transition);
}
.service-card:hover { border-color: var(--gold); transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.service-card:hover::before { transform: scaleX(1); }

.service-icon {
  width: 60px; height: 60px; border-radius: 16px;
  background: linear-gradient(135deg, rgba(10,22,40,0.06), rgba(10,22,40,0.02));
  display: flex; align-items: center; justify-content: center; font-size: 28px;
  margin-bottom: 24px; transition: var(--transition);
}
.service-card:hover .service-icon { background: rgba(212,168,67,0.1); }

.service-title { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 12px; }
.service-desc { color: var(--gray-600); font-size: 14px; line-height: 1.7; margin-bottom: 20px; }

.service-details { display: flex; flex-direction: column; gap: 8px; }
.service-detail {
  display: flex; align-items: center; gap: 8px;
  font-size: 13px; color: var(--gray-600);
}
.service-detail::before { content: '✓'; color: var(--success); font-weight: 700; flex-shrink: 0; }

/* =====================================================
   HOW IT WORKS
   ===================================================== */
.how-it-works {}

.steps-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 0;
  position: relative;
}
.steps-grid::before {
  content: '';
  position: absolute; top: 50px; left: 12.5%; right: 12.5%; height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--navy), var(--gold));
  opacity: 0.3;
  z-index: 0;
}

.step { text-align: center; padding: 0 20px; position: relative; z-index: 1; }

.step-number {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: var(--white); font-size: 22px; font-weight: 800;
  font-family: 'Playfair Display', serif;
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px;
  border: 3px solid var(--gold);
  box-shadow: 0 6px 20px rgba(10,22,40,0.2);
  transition: var(--transition);
}
.step:hover .step-number {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy); border-color: var(--navy);
  transform: scale(1.1);
}

.step-title { font-size: 17px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.step-desc { font-size: 14px; color: var(--gray-600); line-height: 1.6; }

/* =====================================================
   CALCULATOR SECTION
   ===================================================== */
.calculator-section { background: var(--navy); }

.calculator-section .section-title { color: var(--white); }
.calculator-section .section-subtitle { color: rgba(255,255,255,0.6); }
.calculator-section .section-tag { background: rgba(212,168,67,0.15); color: var(--gold); border-color: rgba(212,168,67,0.3); }

.calculator-wrapper {
  display: grid; grid-template-columns: 1fr 1fr; gap: 48px;
  align-items: start;
}

.calc-form {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg); padding: 40px;
  backdrop-filter: blur(10px);
}

.calc-title { font-size: 20px; color: var(--white); margin-bottom: 28px; font-family: 'Inter', sans-serif; font-weight: 700; }

.form-group { margin-bottom: 24px; }
.form-label {
  display: flex; justify-content: space-between;
  font-size: 13px; font-weight: 600; color: rgba(255,255,255,0.7);
  margin-bottom: 10px; text-transform: uppercase; letter-spacing: 0.5px;
}
.form-label .value-badge {
  background: rgba(212,168,67,0.2); color: var(--gold);
  padding: 2px 10px; border-radius: 20px; font-size: 12px; font-weight: 700;
}

.range-wrapper { position: relative; }
input[type="range"] {
  width: 100%; height: 6px;
  background: rgba(255,255,255,0.15); border-radius: 3px;
  outline: none; -webkit-appearance: none; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 50%; border: 3px solid var(--white);
  box-shadow: 0 3px 10px rgba(212,168,67,0.5);
  cursor: pointer;
}
input[type="range"]::-webkit-slider-runnable-track { height: 6px; border-radius: 3px; }

.range-hints { display: flex; justify-content: space-between; margin-top: 6px; }
.range-hints span { font-size: 11px; color: rgba(255,255,255,0.35); }

.calc-select {
  width: 100%; background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15); color: var(--white);
  padding: 14px 16px; border-radius: var(--radius); font-size: 15px;
  font-family: 'Inter', sans-serif; outline: none; cursor: pointer;
  transition: var(--transition);
}
.calc-select:focus { border-color: var(--gold); background: rgba(212,168,67,0.08); }
.calc-select option { background: var(--navy); }

.ircc-note {
  background: rgba(212,168,67,0.08); border: 1px solid rgba(212,168,67,0.2);
  border-radius: var(--radius); padding: 14px 16px;
  font-size: 13px; color: rgba(255,255,255,0.6); margin-bottom: 24px;
  display: flex; gap: 10px; align-items: flex-start;
}
.ircc-note .ircc-icon { font-size: 16px; flex-shrink: 0; margin-top: 1px; }
.ircc-note strong { color: var(--gold); }

.btn-calculate {
  width: 100%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy); font-weight: 700; font-size: 16px;
  padding: 18px; border-radius: var(--radius);
  box-shadow: 0 6px 25px rgba(212,168,67,0.35);
  transition: var(--transition);
}
.btn-calculate:hover { transform: translateY(-2px); box-shadow: 0 10px 35px rgba(212,168,67,0.5); }

/* Results */
.calc-results {
  display: flex; flex-direction: column; gap: 20px;
}

.result-main {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  border-radius: var(--radius-lg); padding: 36px;
  text-align: center;
}
.result-main-label { font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: 1px; color: rgba(10,22,40,0.7); margin-bottom: 8px; }
.result-main-value { font-size: 52px; font-weight: 800; color: var(--navy); font-family: 'Playfair Display', serif; line-height: 1; }
.result-main-sub { font-size: 14px; color: rgba(10,22,40,0.6); margin-top: 8px; }

.result-breakdown {
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg); padding: 28px;
}
.result-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,0.06);
}
.result-row:last-child { border-bottom: none; }
.result-row-label { font-size: 14px; color: rgba(255,255,255,0.6); }
.result-row-value { font-size: 15px; font-weight: 700; color: var(--white); }
.result-row-value.highlight { color: var(--gold); }

.result-disclaimer {
  font-size: 12px; color: rgba(255,255,255,0.4);
  text-align: center; line-height: 1.6; padding: 0 10px;
}

.result-cta-btns { display: flex; gap: 12px; }
.result-cta-btns .btn-primary { flex: 1; text-align: center; justify-content: center; }
.result-cta-btns .btn-secondary { flex: 1; text-align: center; justify-content: center; font-size: 14px; padding: 14px; }

/* =====================================================
   PARTNERS SECTION
   ===================================================== */
.partners { background: var(--gray-50); padding: 60px 0; }
.partners-title { text-align: center; font-size: 14px; font-weight: 600; text-transform: uppercase; letter-spacing: 2px; color: var(--gray-400); margin-bottom: 40px; }

.partners-track-wrapper { overflow: hidden; position: relative; }
.partners-track-wrapper::before,
.partners-track-wrapper::after {
  content: ''; position: absolute; top: 0; bottom: 0; width: 120px; z-index: 2;
}
.partners-track-wrapper::before { left: 0; background: linear-gradient(90deg, var(--gray-50), transparent); }
.partners-track-wrapper::after { right: 0; background: linear-gradient(-90deg, var(--gray-50), transparent); }

.partners-track {
  display: flex; gap: 40px; align-items: center;
  animation: scroll 20s linear infinite;
  width: max-content;
}
.partners-track:hover { animation-play-state: paused; }

@keyframes scroll {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

.partner-logo {
  background: var(--white); border-radius: 12px;
  padding: 16px 32px; border: 1.5px solid var(--gray-200);
  font-weight: 800; font-size: 18px; color: var(--navy);
  white-space: nowrap; transition: var(--transition);
  min-width: 140px; text-align: center;
}
.partner-logo:hover { border-color: var(--gold); color: var(--gold-dark); box-shadow: var(--shadow); }

/* =====================================================
   TESTIMONIALS
   ===================================================== */
.testimonials { background: var(--white); }

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

.testimonial-card {
  background: var(--gray-50); border-radius: var(--radius-lg);
  padding: 32px; border: 1.5px solid var(--gray-200);
  transition: var(--transition); position: relative;
}
.testimonial-card:hover { border-color: var(--gold); transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.testimonial-card.featured {
  background: var(--navy); border-color: var(--navy);
  grid-row: span 1;
}

.testimonial-quote {
  font-size: 40px; color: var(--gold); line-height: 1;
  font-family: 'Playfair Display', serif; margin-bottom: 16px;
}
.testimonial-card.featured .testimonial-quote { color: rgba(212,168,67,0.5); }

.testimonial-stars { display: flex; gap: 4px; margin-bottom: 16px; }
.star { color: var(--gold); font-size: 16px; }

.testimonial-text {
  font-size: 15px; line-height: 1.7; color: var(--gray-600);
  margin-bottom: 24px; font-style: italic;
}
.testimonial-card.featured .testimonial-text { color: rgba(255,255,255,0.75); }

.testimonial-author { display: flex; align-items: center; gap: 14px; }
.author-avatar {
  width: 48px; height: 48px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 16px; color: var(--navy); flex-shrink: 0;
}
.author-name { font-weight: 700; font-size: 15px; color: var(--navy); }
.testimonial-card.featured .author-name { color: var(--white); }
.author-location { font-size: 12px; color: var(--gray-400); }
.author-credit { font-size: 12px; color: var(--gold); font-weight: 600; margin-top: 2px; }

/* =====================================================
   BLOG SECTION
   ===================================================== */
.blog-section { background: var(--gray-50); }

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

.blog-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1.5px solid var(--gray-200); overflow: hidden;
  transition: var(--transition);
}
.blog-card:hover { border-color: var(--gold); transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.blog-card-img {
  height: 200px;
  display: flex; align-items: center; justify-content: center;
  font-size: 60px;
  position: relative; overflow: hidden;
}
.blog-card-img.bg1 { background: linear-gradient(135deg, #0A1628 0%, #1a2f55 100%); }
.blog-card-img.bg2 { background: linear-gradient(135deg, #1a1a2e 0%, #16213e 100%); }
.blog-card-img.bg3 { background: linear-gradient(135deg, #0d1b2a 0%, #1b263b 100%); }

.blog-card-body { padding: 28px; }

.blog-tag {
  display: inline-block; background: rgba(212,168,67,0.1); color: var(--gold-dark);
  font-size: 11px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase;
  padding: 4px 12px; border-radius: 20px; margin-bottom: 12px;
}

.blog-title { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 10px; line-height: 1.4; font-family: 'Playfair Display', serif; }
.blog-excerpt { font-size: 14px; color: var(--gray-600); line-height: 1.7; margin-bottom: 20px; }

.blog-meta { display: flex; align-items: center; justify-content: space-between; }
.blog-date { font-size: 12px; color: var(--gray-400); }
.blog-read-more {
  font-size: 13px; font-weight: 600; color: var(--navy);
  display: flex; align-items: center; gap: 4px; transition: var(--transition);
}
.blog-read-more:hover { color: var(--gold-dark); gap: 8px; }

.blog-view-all { text-align: center; margin-top: 48px; }
.btn-outline {
  display: inline-flex; align-items: center; gap: 8px;
  border: 2px solid var(--navy); color: var(--navy);
  font-weight: 700; font-size: 15px; padding: 14px 36px;
  border-radius: var(--radius); transition: var(--transition);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }

/* =====================================================
   CTA SECTION
   ===================================================== */
.cta-section {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 100px 0; position: relative; overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at center, rgba(212,168,67,0.08) 0%, transparent 70%);
}

.cta-inner { text-align: center; position: relative; z-index: 1; }
.cta-title { font-size: clamp(32px, 5vw, 52px); color: var(--white); margin-bottom: 20px; }
.cta-title span { color: var(--gold); }
.cta-subtitle { color: rgba(255,255,255,0.65); font-size: 18px; max-width: 580px; margin: 0 auto 40px; line-height: 1.7; }
.cta-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* =====================================================
   FOOTER
   ===================================================== */
.footer { background: #060d1a; padding: 80px 0 0; }

.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px;
  padding-bottom: 60px; border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-about .logo { margin-bottom: 20px; }
.footer-about-text { font-size: 14px; color: rgba(255,255,255,0.5); line-height: 1.8; margin-bottom: 24px; max-width: 300px; }
.footer-contact-item {
  display: flex; align-items: center; gap: 10px;
  font-size: 14px; color: rgba(255,255,255,0.6); margin-bottom: 10px;
}
.footer-contact-item .icon { font-size: 16px; }
.footer-contact-item a { color: rgba(255,255,255,0.6); transition: var(--transition); }
.footer-contact-item a:hover { color: var(--gold); }

.footer-col-title { font-size: 14px; font-weight: 700; color: var(--white); margin-bottom: 20px; text-transform: uppercase; letter-spacing: 1px; font-family: 'Inter', sans-serif; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 14px; color: rgba(255,255,255,0.5); transition: var(--transition); }
.footer-links a:hover { color: var(--gold); padding-left: 4px; }

.social-links { display: flex; gap: 12px; margin-top: 24px; }
.social-link {
  width: 40px; height: 40px; border-radius: 10px;
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1);
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; transition: var(--transition); color: rgba(255,255,255,0.6);
}
.social-link:hover { background: rgba(212,168,67,0.15); border-color: rgba(212,168,67,0.3); color: var(--gold); transform: translateY(-2px); }

.footer-bottom {
  padding: 24px 0; display: flex; justify-content: space-between; align-items: center;
}
.footer-copy { font-size: 13px; color: rgba(255,255,255,0.35); }
.footer-legal { display: flex; gap: 24px; }
.footer-legal a { font-size: 13px; color: rgba(255,255,255,0.35); transition: var(--transition); }
.footer-legal a:hover { color: var(--gold); }

/* =====================================================
   WHATSAPP BUTTON
   ===================================================== */
.whatsapp-btn {
  position: fixed; bottom: 28px; right: 28px; z-index: 999;
  width: 60px; height: 60px; border-radius: 50%;
  background: #25D366; box-shadow: 0 4px 20px rgba(37,211,102,0.4);
  display: flex; align-items: center; justify-content: center;
  font-size: 28px; transition: var(--transition);
  animation: bounce 2s ease-in-out infinite;
}
.whatsapp-btn:hover { transform: scale(1.1); box-shadow: 0 8px 30px rgba(37,211,102,0.6); animation: none; }

@keyframes bounce {
  0%,100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

.whatsapp-tooltip {
  position: absolute; right: 70px; top: 50%; transform: translateY(-50%);
  background: var(--navy); color: var(--white);
  font-size: 13px; font-weight: 600; white-space: nowrap;
  padding: 8px 16px; border-radius: 8px;
  opacity: 0; pointer-events: none; transition: var(--transition);
}
.whatsapp-btn:hover .whatsapp-tooltip { opacity: 1; }

/* =====================================================
   MOBILE MENU
   ===================================================== */
.mobile-menu {
  position: fixed; inset: 0; z-index: 999;
  background: rgba(6,13,26,0.98);
  backdrop-filter: blur(20px);
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 8px;
  transform: translateX(100%); transition: var(--transition);
}
.mobile-menu.open { transform: translateX(0); }
.mobile-menu a { font-size: 24px; color: var(--white); padding: 16px 48px; border-radius: var(--radius); transition: var(--transition); font-weight: 600; }
.mobile-menu a:hover { color: var(--gold); background: rgba(212,168,67,0.1); }
.mobile-menu-close { position: absolute; top: 24px; right: 24px; background: none; color: var(--white); font-size: 28px; }

/* =====================================================
   UTILITIES
   ===================================================== */
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.animate-on-scroll { opacity: 0; transform: translateY(30px); transition: opacity 0.6s ease, transform 0.6s ease; }
.animate-on-scroll.visible { opacity: 1; transform: translateY(0); }

/* =====================================================
   RESPONSIVE
   ===================================================== */
@media (max-width: 1024px) {
  .hero-content { grid-template-columns: 1fr; gap: 48px; }
  .hero-visual { display: none; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid::before { display: none; }
  .calculator-wrapper { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr 1fr; }
  .blog-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .stats-bar-inner { grid-template-columns: repeat(2, 1fr); }
  .stat-item { border-right: none; border-bottom: 1px solid rgba(10,22,40,0.15); padding: 16px; }
  .services-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 16px; text-align: center; }
  .result-cta-btns { flex-direction: column; }
}

/* =====================================================
   TABS CONTENT
   ===================================================== */
.tab-content { display: none; }
.tab-content.active { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 1024px) { .tab-content.active { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 768px) { .tab-content.active { grid-template-columns: 1fr; } }


/* ===== BIROUDECREDIT SPECIFIC STYLES ===== */

.about-section { background: var(--white); }
.about-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; }
.about-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 2rem; }
.about-stat { text-align: center; padding: 16px; background: var(--gray-50); border-radius: var(--radius); border: 1px solid var(--gray-200); }
.about-stat-num { font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 800; color: var(--navy); }
.about-stat-num span { color: var(--gold-dark); font-size: 20px; }
.about-stat-label { font-size: 11px; color: var(--gray-600); margin-top: 4px; font-weight: 500; }
.about-features { display: flex; flex-direction: column; gap: 20px; }
.feature-item { display: flex; gap: 16px; align-items: flex-start; padding: 20px; border-radius: var(--radius); border: 1px solid var(--gray-200); background: var(--gray-50); transition: var(--transition); }
.feature-item:hover { border-color: var(--gold); background: rgba(212,168,67,0.04); }
.feature-icon { width: 44px; height: 44px; border-radius: 12px; background: linear-gradient(135deg, rgba(10,22,40,0.07), rgba(10,22,40,0.03)); display: flex; align-items: center; justify-content: center; font-size: 20px; flex-shrink: 0; }
.feature-item h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 4px; font-family: 'Inter', sans-serif; }
.feature-item p { font-size: 13px; color: var(--gray-600); line-height: 1.6; }

.faq-section { background: var(--white); }
.faq-grid { max-width: 800px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item { border: 1.5px solid var(--gray-200); border-radius: var(--radius); overflow: hidden; transition: var(--transition); }
.faq-item:hover, .faq-item.open { border-color: var(--gold); }
.faq-item.open { box-shadow: var(--shadow); }
.faq-question { width: 100%; display: flex; justify-content: space-between; align-items: center; padding: 20px 24px; background: var(--white); font-size: 16px; font-weight: 600; color: var(--navy); text-align: left; transition: var(--transition); font-family: 'Inter', sans-serif; gap: 16px; }
.faq-question:hover { background: var(--gray-50); }
.faq-item.open .faq-question { background: rgba(212,168,67,0.05); color: var(--gold-dark); }
.faq-icon { width: 28px; height: 28px; min-width: 28px; border-radius: 50%; background: var(--gray-100); display: flex; align-items: center; justify-content: center; font-size: 18px; transition: var(--transition); color: var(--gray-600); }
.faq-item.open .faq-icon { background: var(--gold); color: var(--navy); transform: rotate(45deg); }
.faq-answer { display: none; padding: 0 24px 20px; }
.faq-item.open .faq-answer { display: block; }
.faq-answer p { font-size: 15px; color: var(--gray-600); line-height: 1.75; }

.contact-section { background: var(--gray-50); }
.contact-inner { display: grid; grid-template-columns: 1fr 1.6fr; gap: 64px; align-items: start; }
.contact-info { display: flex; flex-direction: column; gap: 16px; }
.contact-info-item { display: flex; align-items: flex-start; gap: 16px; padding: 20px; background: var(--white); border-radius: var(--radius); border: 1.5px solid var(--gray-200); transition: var(--transition); }
.contact-info-item:hover { border-color: var(--gold); box-shadow: var(--shadow); }
.contact-info-icon { width: 44px; height: 44px; border-radius: 12px; background: linear-gradient(135deg, rgba(212,168,67,0.15), rgba(212,168,67,0.05)); display: flex; align-items: center; justify-content: center; font-size: 20px; flex-shrink: 0; }
.contact-info-label { font-size: 12px; text-transform: uppercase; letter-spacing: 1px; color: var(--gray-400); font-weight: 600; margin-bottom: 4px; }
.contact-info-value { font-size: 15px; color: var(--navy); font-weight: 500; line-height: 1.6; }
.contact-info-value a { color: var(--navy); transition: var(--transition); }
.contact-info-value a:hover { color: var(--gold-dark); }
.contact-form-wrap { background: var(--white); border-radius: var(--radius-lg); padding: 48px; box-shadow: var(--shadow-lg); border: 1.5px solid var(--gray-200); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.btn-secondary-dark { background: transparent; border: 2px solid var(--navy); color: var(--navy); font-weight: 600; font-size: 15px; padding: 14px 28px; border-radius: var(--radius); transition: var(--transition); display: inline-flex; align-items: center; gap: 8px; }
.btn-secondary-dark:hover { background: var(--navy); color: var(--white); }

@media (max-width: 1024px) {
  .about-inner { grid-template-columns: 1fr; gap: 48px; }
  .contact-inner { grid-template-columns: 1fr; gap: 40px; }
}
@media (max-width: 768px) {
  .about-stats { grid-template-columns: repeat(2, 1fr); }
  .form-row { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 28px; }
}

/* SELECT INPUT */
select.form-input { cursor: pointer; appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2394A3B8' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px; }
select.form-input option { color: var(--gray-800); background: var(--white); }


/* =====================================================
   MOBILE FIX — COMPLET
   ===================================================== */

/* TABLET 1024px */
@media (max-width: 1024px) {
  .hero-content { grid-template-columns: 1fr; gap: 40px; padding: 100px 20px 60px; }
  .hero-visual { display: none; }
  .hero-title { font-size: 36px; }
  .hero-subtitle { font-size: 16px; }
  .about-inner { grid-template-columns: 1fr; gap: 48px; }
  .steps-grid { grid-template-columns: repeat(2, 1fr); gap: 40px; }
  .steps-grid::before { display: none; }
  .testimonials-grid { grid-template-columns: 1fr 1fr; }
  .blog-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .contact-inner { grid-template-columns: 1fr; gap: 32px; }
  .services [style] { grid-template-columns: repeat(2, 1fr) !important; }
}

/* MOBIL 768px */
@media (max-width: 768px) {
  /* NAVBAR */
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .navbar-inner { padding: 16px 16px; }
  .logo-name { font-size: 16px; }

  /* HERO */
  .hero-content { padding: 90px 16px 50px; gap: 32px; }
  .hero-title { font-size: 28px; line-height: 1.2; }
  .hero-subtitle { font-size: 15px; }
  .hero-badge { font-size: 11px; padding: 5px 12px; }
  .hero-buttons { flex-direction: column; gap: 12px; }
  .hero-buttons .btn-primary,
  .hero-buttons .btn-secondary { width: 100%; justify-content: center; }
  .hero-trust { gap: 12px; }
  .hero-trust-item { font-size: 12px; }

  /* STATS BAR */
  .stats-bar-inner { grid-template-columns: repeat(2, 1fr); }
  .stat-item { padding: 16px 12px; border-right: none; border-bottom: 1px solid rgba(10,22,40,0.15); }
  .stat-item:nth-child(odd) { border-right: 1px solid rgba(10,22,40,0.15); }
  .stat-item:nth-last-child(-n+2) { border-bottom: none; }
  .stat-number { font-size: 30px; }
  .stat-label { font-size: 12px; }

  /* SECTIONS */
  section { padding: 56px 0; }
  .section-header { margin-bottom: 40px; }
  .section-title { font-size: 24px; }
  .section-subtitle { font-size: 15px; }
  .container { padding: 0 16px; }

  /* SERVICES */
  .services [style] { grid-template-columns: 1fr !important; }
  .service-card { padding: 24px 20px; }

  /* ABOUT */
  .about-inner { grid-template-columns: 1fr; gap: 32px; }
  .about-stats { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .about-stat { padding: 12px; }
  .about-stat-num { font-size: 22px; }
  .about-features { gap: 12px; }
  .feature-item { padding: 16px; }

  /* STEPS */
  .steps-grid { grid-template-columns: 1fr; gap: 32px; }
  .steps-grid::before { display: none; }
  .step { padding: 0; }

  /* FAQ */
  .faq-question { font-size: 14px; padding: 16px 18px; }
  .faq-answer { padding: 0 18px 16px; }
  .faq-answer p { font-size: 14px; }

  /* TESTIMONIALS */
  .testimonials-grid { grid-template-columns: 1fr; }
  .testimonial-card { padding: 24px; }

  /* BLOG */
  .blog-grid { grid-template-columns: 1fr; }

  /* CTA */
  .cta-title { font-size: 24px; }
  .cta-subtitle { font-size: 15px; }
  .cta-buttons { flex-direction: column; align-items: center; }
  .cta-buttons .btn-primary,
  .cta-buttons .btn-secondary { width: 100%; max-width: 320px; justify-content: center; }

  /* CONTACT */
  .contact-inner { grid-template-columns: 1fr; gap: 24px; }
  .contact-form-wrap { padding: 24px 16px; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .contact-info-item { padding: 14px; }

  /* FOOTER */
  .footer { padding: 48px 0 0; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; padding-bottom: 40px; }
  .footer-about-text { font-size: 13px; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
  .footer-legal { flex-wrap: wrap; justify-content: center; gap: 12px; }
}

/* MOBIL MIC 480px */
@media (max-width: 480px) {
  .hero-title { font-size: 24px; }
  .btn-primary, .btn-secondary { padding: 14px 20px; font-size: 14px; }
  .section-title { font-size: 22px; }
  .stat-number { font-size: 26px; }
  .logo-name { font-size: 15px; }
  .logo-tagline { display: none; }
}

/* OVERFLOW FIX — previne scroll orizontal pe mobil */
html, body { overflow-x: hidden; max-width: 100%; }
img, iframe, video { max-width: 100%; }
.hero { width: 100%; }
* { word-break: break-word; }

/* FORM SELECT MOBIL */
@media (max-width: 768px) {
  select.form-input { font-size: 16px; } /* previne zoom automat iOS */
  .form-input, .form-textarea { font-size: 16px; } /* previne zoom automat iOS */
  .faq-question span:first-child { flex: 1; min-width: 0; }
  .mobile-menu a { font-size: 18px; padding: 12px 32px; }
  .whatsapp-btn { bottom: 16px; right: 16px; width: 52px; height: 52px; }
}

/* LOGO IMAGE */
.logo-img { height: 44px; width: auto; object-fit: contain; display: block; filter: brightness(0) invert(1); }
.footer .logo-img { height: 38px; filter: brightness(0) invert(1); }
.logo-fallback { display: flex; align-items: center; gap: 12px; }
@media (max-width: 480px) { .logo-img { height: 34px; } }

/* =====================================================
   DE CE BIROUDECREDIT.RO — COMPARATIE
   ===================================================== */
.why-bc { background: var(--gray-50); }

.broker-compare {
  display: grid; grid-template-columns: 1fr auto 1fr; gap: 0;
  align-items: stretch; margin-bottom: 48px;
  border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.compare-col { padding: 40px 36px; }
.compare-col-broker { background: var(--navy); }
.compare-col-bank { background: var(--white); border: 1.5px solid var(--gray-200); }
.compare-col-header { display: flex; align-items: center; gap: 14px; margin-bottom: 28px; }
.compare-icon {
  width: 48px; height: 48px; border-radius: 12px;
  background: rgba(212,168,67,0.15);
  display: flex; align-items: center; justify-content: center; font-size: 22px;
}
.compare-col-bank .compare-icon { background: var(--gray-100); }
.compare-col-header h3 { font-size: 20px; font-weight: 700; color: var(--white); }
.compare-col-bank .compare-col-header h3 { color: var(--navy); }
.compare-list { display: flex; flex-direction: column; gap: 12px; }
.compare-list li { display: flex; align-items: flex-start; gap: 10px; font-size: 14px; line-height: 1.5; }
.compare-list li span:first-child {
  width: 20px; height: 20px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 11px; font-weight: 800; flex-shrink: 0; margin-top: 1px;
}
.compare-list li.pro { color: rgba(255,255,255,0.85); }
.compare-list li.pro span:first-child { background: rgba(16,185,129,0.2); color: #10B981; }
.compare-list li.con { color: var(--gray-600); }
.compare-list li.con span:first-child { background: rgba(239,68,68,0.1); color: #EF4444; }
.compare-vs {
  background: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 15px; font-weight: 800; color: var(--navy);
  padding: 0 16px; writing-mode: vertical-rl; letter-spacing: 3px;
}
.broker-bottom { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
.broker-stat-box {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 28px; text-align: center;
  border: 1.5px solid var(--gray-200); transition: var(--transition);
}
.broker-stat-box:hover { border-color: var(--gold); transform: translateY(-4px); box-shadow: var(--shadow); }
.broker-stat-num { font-size: 36px; font-weight: 800; color: var(--navy); font-family: 'Space Grotesk', sans-serif; line-height: 1; }
.broker-stat-label { font-size: 13px; color: var(--gray-600); margin-top: 8px; line-height: 1.4; }

/* Newsletter */
.footer-newsletter {
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
  padding: 28px 32px; background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08); border-radius: var(--radius-lg);
  margin-bottom: 24px; flex-wrap: wrap;
}
.newsletter-text { display: flex; flex-direction: column; gap: 4px; }
.newsletter-text strong { color: var(--white); font-size: 15px; }
.newsletter-text span { color: rgba(255,255,255,0.5); font-size: 13px; }
.newsletter-form { display: flex; gap: 8px; flex-shrink: 0; }
.newsletter-form input {
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.15);
  color: var(--white); padding: 12px 18px; border-radius: var(--radius);
  font-size: 14px; outline: none; min-width: 220px; transition: var(--transition);
}
.newsletter-form input::placeholder { color: rgba(255,255,255,0.35); }
.newsletter-form input:focus { border-color: var(--gold); }
.newsletter-form button {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy); font-weight: 700; font-size: 14px;
  padding: 12px 22px; border-radius: var(--radius);
  transition: var(--transition); white-space: nowrap;
}
.newsletter-form button:hover { transform: translateY(-1px); box-shadow: 0 6px 20px rgba(212,168,67,0.4); }

/* Trust badges */
.footer-trust-row { display: flex; flex-wrap: wrap; gap: 10px; padding-bottom: 24px; border-bottom: 1px solid rgba(255,255,255,0.08); margin-bottom: 0; }
.footer-trust-badge {
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.55); font-size: 12px; font-weight: 500;
  padding: 7px 14px; border-radius: 50px;
}

/* =====================================================
   FUTURISTIC OVERRIDES — BirouDeCredit.ro
   ===================================================== */
:root {
  --navy: #06111f;
  --navy-light: #0b1930;
  --navy-mid: #132746;
  --gold: #d8ad52;
  --gold-light: #f4d37f;
  --gold-dark: #9f7424;
  --blue: #3d78ff;
  --blue-light: #79d7ff;
  --white: #f6fbff;
  --gray-50: #0a1727;
  --gray-100: #132338;
  --gray-200: #1d314d;
  --gray-400: #88a1c2;
  --gray-600: #b8c7db;
  --gray-800: #eaf3ff;
  --success: #2bd39a;
  --radius: 18px;
  --radius-lg: 30px;
  --shadow: 0 20px 50px rgba(2, 10, 24, 0.28);
  --shadow-lg: 0 30px 90px rgba(2, 10, 24, 0.46);
}

body {
  font-family: 'Manrope', sans-serif;
  color: var(--white);
  background:
    radial-gradient(circle at 12% 10%, rgba(121,215,255,0.11), transparent 22%),
    radial-gradient(circle at 84% 12%, rgba(216,173,82,0.14), transparent 18%),
    radial-gradient(circle at 70% 44%, rgba(61,120,255,0.1), transparent 26%),
    linear-gradient(180deg, #040b15 0%, #071220 25%, #09192d 100%);
}

h1, h2, h3, h4,
.logo-name, .hero-stat-value, .stat-number, .step-number,
.broker-stat-num, .compare-vs, .about-stat-num {
  font-family: 'Space Grotesk', sans-serif;
  letter-spacing: -0.03em;
}

.navbar {
  background: rgba(4, 12, 23, 0.35);
  backdrop-filter: blur(22px);
  -webkit-backdrop-filter: blur(22px);
  border-bottom: 1px solid rgba(121,215,255,0.09);
}
.navbar.scrolled {
  background: rgba(4, 12, 23, 0.88);
  box-shadow: 0 16px 40px rgba(0,0,0,0.32);
}

.logo-icon {
  border-radius: 14px;
  background:
    radial-gradient(circle at 30% 25%, rgba(255,255,255,0.28), transparent 40%),
    linear-gradient(135deg, var(--gold-light), var(--gold-dark));
  box-shadow: 0 0 0 1px rgba(255,255,255,0.1), 0 12px 24px rgba(216,173,82,0.3);
}

.nav-links a { color: rgba(255,255,255,0.72); }
.nav-links a:hover { color: var(--white); background: rgba(121,215,255,0.08); }

.nav-cta, .btn-primary, .newsletter-form button {
  border-radius: 999px !important;
  background: linear-gradient(135deg, var(--gold-light), var(--gold)) !important;
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.35), 0 12px 28px rgba(216,173,82,0.28) !important;
}
.btn-secondary { border-radius: 999px; }

.hero {
  background:
    radial-gradient(circle at 15% 18%, rgba(121,215,255,0.16), transparent 20%),
    radial-gradient(circle at 86% 14%, rgba(216,173,82,0.16), transparent 17%),
    radial-gradient(circle at 76% 72%, rgba(61,120,255,0.12), transparent 28%),
    linear-gradient(135deg, #030a14 0%, #071321 44%, #0b1d30 100%);
}
.hero-grid-lines::before {
  background-image:
    linear-gradient(rgba(121,215,255,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(121,215,255,0.05) 1px, transparent 1px);
  background-size: 72px 72px;
}

.hero-badge {
  background: rgba(10, 25, 44, 0.68);
  color: var(--blue-light);
  border: 1px solid rgba(121,215,255,0.16);
  box-shadow: 0 14px 30px rgba(0,0,0,0.2);
}
.hero-badge::before { background: var(--blue-light); box-shadow: 0 0 14px rgba(121,215,255,0.8); }
.hero-title { text-shadow: 0 12px 32px rgba(0,0,0,0.28); }
.hero-title .highlight {
  background: linear-gradient(135deg, var(--blue-light), var(--gold-light));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-subtitle, .section-subtitle, .service-desc, .step-desc,
.blog-excerpt, .testimonial-text, .footer-about-text,
.faq-answer p, .compare-list li, .feature-item p,
.contact-info-item p { color: rgba(236,244,255,0.72); }

.hero-card, .service-card, .step, .partner-logo,
.testimonial-card, .blog-card, .compare-col, .broker-stat-box,
.faq-item, .cta-inner, .footer-newsletter, .stat-item,
.contact-form-wrap, .contact-info, .feature-item, .about-stat {
  position: relative;
  overflow: hidden;
  background: linear-gradient(180deg, rgba(13,25,43,0.88), rgba(8,18,31,0.8));
  border: 1px solid rgba(121,215,255,0.12);
  box-shadow: var(--shadow);
}

.hero-card::before, .service-card::before, .step::before,
.testimonial-card::before, .blog-card::before, .compare-col::before,
.broker-stat-box::before, .faq-item::before, .cta-inner::before {
  content: '';
  position: absolute;
  inset: 0;
  pointer-events: none;
  background: linear-gradient(135deg, rgba(121,215,255,0.08), transparent 28%, transparent 72%, rgba(216,173,82,0.08));
}

.stats-bar, .services, .how-it-works, .about-section, .partners,
.testimonials, .blog-section, .why-bc, .faq-section, .cta-section,
.contact-section, .footer { background-color: transparent; }

.section-title, .service-title, .step-title, .blog-title,
.faq-question, .footer-col-title, .compare-col-header h3,
.cta-title, .hero-card-title, .author-name { color: var(--white); }

.section-title span, .broker-stat-num, .star, .blog-read-more,
.blog-tag, .blog-date, .hero-card-badge, .footer-links a:hover,
.footer-contact-item a:hover, .about-stat-num { color: var(--gold-light); }

.service-icon, .step-number, .compare-icon, .feature-icon,
.contact-info-icon {
  background: linear-gradient(135deg, rgba(61,120,255,0.16), rgba(216,173,82,0.18));
  border: 1px solid rgba(216,173,82,0.18);
  box-shadow: inset 0 0 0 1px rgba(255,255,255,0.03);
}

.service-detail, .footer-trust-badge, .partner-logo {
  background: rgba(8,18,31,0.56);
  border-color: rgba(121,215,255,0.1);
}

.stat-label, .hero-stat-label, .footer-links a, .footer-copy,
.footer-legal a, .author-location, .author-credit, .partners-title { color: rgba(255,255,255,0.58); }

.faq-question:hover { background: rgba(121,215,255,0.06); }
.faq-item.open .faq-question { background: rgba(11, 27, 47, 0.84); color: var(--white); }
.faq-icon { background: rgba(216,173,82,0.12); color: var(--gold-light); }

.compare-vs { background: linear-gradient(135deg, var(--blue-light), var(--gold-light)); color: var(--navy); }

.mobile-menu { background: rgba(4, 12, 23, 0.95); backdrop-filter: blur(24px); }
.mobile-menu a { color: var(--white); }

.whatsapp-btn { background: linear-gradient(135deg, #0f2e20, #1a7f49); border: 1px solid rgba(255,255,255,0.12); box-shadow: 0 20px 44px rgba(0,0,0,0.34); }

.footer { border-top: 1px solid rgba(121,215,255,0.08); }

.newsletter-form input {
  background: rgba(5, 14, 25, 0.86) !important;
  color: var(--white) !important;
  border: 1px solid rgba(121,215,255,0.14) !important;
}

.partners-track-wrapper::before { background: linear-gradient(90deg, #081423, transparent); }
.partners-track-wrapper::after { background: linear-gradient(-90deg, #081423, transparent); }

.contact-form .form-input,
.contact-form .form-textarea,
.contact-form select.form-input {
  background: rgba(5,14,25,0.8) !important;
  color: var(--white) !important;
  border: 1px solid rgba(121,215,255,0.15) !important;
}
.contact-form .form-input:focus,
.contact-form .form-textarea:focus {
  border-color: rgba(121,215,255,0.4) !important;
  box-shadow: 0 0 0 3px rgba(121,215,255,0.08) !important;
}
.contact-form .form-label { color: rgba(236,244,255,0.8); }

.about-stat { border-radius: var(--radius-lg) !important; padding: 22px 24px !important; text-align: center !important; }
.about-stat-num { color: var(--gold-light) !important; }
.feature-item { border-radius: var(--radius) !important; }
.feature-item h4 { color: var(--white) !important; }

.faq-grid {
  max-width: 100% !important;
  display: grid !important;
  grid-template-columns: 1fr 1fr !important;
  gap: 16px !important;
  flex-direction: unset !important;
}

.contact-info-label { color: var(--white) !important; font-weight: 600; font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--blue-light) !important; }
.contact-info-value, .contact-info-value a { color: var(--gold-light) !important; }

@media (max-width: 1024px) {
  .broker-compare { grid-template-columns: 1fr; }
  .compare-vs { writing-mode: horizontal-tb; padding: 12px; letter-spacing: 2px; }
  .broker-bottom { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 768px) {
  .faq-grid { grid-template-columns: 1fr !important; }
  .stat-item { border-bottom: 1px solid rgba(121,215,255,0.1); }
  .broker-compare { grid-template-columns: 1fr; }
  .compare-vs { writing-mode: horizontal-tb; padding: 12px; letter-spacing: 2px; }
  .broker-bottom { grid-template-columns: repeat(2,1fr); }
  .footer-newsletter { flex-direction: column; align-items: flex-start; }
  .newsletter-form { width: 100%; }
  .newsletter-form input { width: 100%; min-width: unset; }
}