/* =========================================================
   LENCO FINANCE — Aggressive Modern Design
   Bold typography, dynamic gradients, photo backgrounds
   ========================================================= */

:root {
  --primary: #6366F1;
  --primary-dark: #4F46E5;
  --primary-darker: #4338CA;
  --primary-light: #818CF8;
  --primary-glow: rgba(99, 102, 241, 0.5);

  --accent: #EC4899;
  --accent-light: #F472B6;

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

  --dark: #0F0F1A;
  --dark-lighter: #1A1A2E;
  --dark-card: rgba(26, 26, 46, 0.95);

  --text-white: #FFFFFF;
  --text-light: rgba(255, 255, 255, 0.85);
  --text-muted: rgba(255, 255, 255, 0.6);
  --text-dark: #0F0F1A;
  --text-body: #4B5563;

  --glass: rgba(255, 255, 255, 0.08);
  --glass-border: rgba(255, 255, 255, 0.12);
  --glass-strong: rgba(255, 255, 255, 0.15);

  --gradient-primary: linear-gradient(135deg, #6366F1 0%, #8B5CF6 50%, #EC4899 100%);
  --gradient-dark: linear-gradient(180deg, #0F0F1A 0%, #1A1A2E 100%);
  --gradient-card: linear-gradient(135deg, rgba(99, 102, 241, 0.1) 0%, rgba(139, 92, 246, 0.05) 100%);

  --shadow-glow: 0 0 60px rgba(99, 102, 241, 0.3);
  --shadow-card: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
  --shadow-button: 0 10px 40px rgba(99, 102, 241, 0.4);

  --radius: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;

  --max-width: 1280px;
}

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

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

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  background: #FAFAFA;
  color: var(--text-body);
  line-height: 1.6;
  overflow-x: hidden;
}

a {
  color: inherit;
  text-decoration: none;
  transition: all 0.2s ease;
}

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

.container {
  width: min(var(--max-width), calc(100% - 48px));
  margin: 0 auto;
}

/* =========================
   ANNOUNCEMENT BAR
   ========================= */
.announcement {
  background: var(--dark);
  padding: 10px 0;
  position: relative;
  overflow: hidden;
}

.announcement::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: var(--gradient-primary);
}

.announcement-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  font-size: 13px;
  color: var(--text-light);
}

.pulse {
  width: 8px;
  height: 8px;
  background: var(--success);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.2); }
}

.announcement .sep {
  color: var(--text-muted);
}

.announcement a {
  color: var(--primary-light);
  font-weight: 600;
}

.announcement a:hover {
  color: var(--text-white);
}

/* =========================
   HEADER
   ========================= */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
}

.header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  gap: 32px;
}

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

.logo-mark {
  width: 42px;
  height: 42px;
  background: var(--gradient-primary);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-button);
  position: relative;
  overflow: hidden;
}

.logo-mark::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(255,255,255,0.3) 0%, transparent 50%);
}

.logo-mark span {
  font-size: 20px;
  font-weight: 900;
  color: white;
  position: relative;
}

.logo-text {
  font-size: 18px;
  font-weight: 800;
  color: var(--text-dark);
  letter-spacing: -0.02em;
}

.logo-text .accent {
  background: var(--gradient-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.nav {
  display: flex;
  align-items: center;
  gap: 8px;
}

.nav a {
  padding: 10px 16px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-body);
  border-radius: 100px;
  transition: all 0.2s ease;
}

.nav a:hover {
  color: var(--text-dark);
  background: rgba(99, 102, 241, 0.08);
}

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

.phone-link {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  background: rgba(99, 102, 241, 0.08);
  color: var(--primary);
  transition: all 0.2s ease;
}

.phone-link:hover {
  background: var(--primary);
  color: white;
  transform: scale(1.05);
}

/* =========================
   BUTTONS
   ========================= */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  font-size: 14px;
  font-weight: 600;
  border-radius: 100px;
  border: none;
  cursor: pointer;
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
}

.btn-primary {
  background: var(--gradient-primary);
  color: white;
  box-shadow: var(--shadow-button);
}

.btn-primary::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(255,255,255,0.2) 0%, transparent 50%);
  opacity: 0;
  transition: opacity 0.3s ease;
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 15px 50px rgba(99, 102, 241, 0.5);
}

.btn-primary:hover::before {
  opacity: 1;
}

.btn-large {
  padding: 16px 32px;
  font-size: 16px;
}

.btn-glow {
  animation: glow 3s ease-in-out infinite;
}

@keyframes glow {
  0%, 100% { box-shadow: 0 10px 40px rgba(99, 102, 241, 0.4); }
  50% { box-shadow: 0 10px 60px rgba(99, 102, 241, 0.6), 0 0 100px rgba(99, 102, 241, 0.2); }
}

.btn-outline-light {
  background: rgba(255, 255, 255, 0.1);
  color: white;
  border: 2px solid rgba(255, 255, 255, 0.3);
  backdrop-filter: blur(10px);
}

.btn-outline-light:hover {
  background: rgba(255, 255, 255, 0.2);
  border-color: rgba(255, 255, 255, 0.5);
}

.full-width {
  width: 100%;
}

/* =========================
   HERO
   ========================= */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 120px 0 80px;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: -1;
}

.hero-bg .hero-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(15, 15, 26, 0.95) 0%, rgba(15, 15, 26, 0.8) 50%, rgba(15, 15, 26, 0.9) 100%);
}

.hero-gradient {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 50% at 20% 40%, rgba(99, 102, 241, 0.3) 0%, transparent 50%),
    radial-gradient(ellipse 60% 40% at 80% 60%, rgba(236, 72, 153, 0.2) 0%, transparent 50%);
}

.hero-content {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 60px;
  align-items: center;
  position: relative;
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 16px;
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: 100px;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-light);
  margin-bottom: 24px;
  backdrop-filter: blur(10px);
}

.tag-dot {
  width: 8px;
  height: 8px;
  background: var(--success);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

.hero h1 {
  font-size: clamp(42px, 6vw, 72px);
  font-weight: 800;
  color: white;
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin-bottom: 24px;
}

.gradient-text {
  background: var(--gradient-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.gradient-text-light {
  background: linear-gradient(135deg, #818CF8 0%, #F472B6 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-sub {
  font-size: 18px;
  color: var(--text-muted);
  line-height: 1.7;
  max-width: 520px;
  margin-bottom: 32px;
}

.hero-sub strong {
  color: var(--text-light);
}

.hero-stats {
  display: flex;
  align-items: center;
  gap: 32px;
  padding: 24px 32px;
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  backdrop-filter: blur(20px);
  margin-bottom: 32px;
}

.stat-value {
  font-size: 28px;
  font-weight: 800;
  color: white;
  letter-spacing: -0.02em;
}

.stat-label {
  font-size: 13px;
  color: var(--text-muted);
  margin-top: 4px;
}

.stat-divider {
  width: 1px;
  height: 48px;
  background: var(--glass-border);
}

.hero-cta {
  display: flex;
  gap: 16px;
  margin-bottom: 32px;
}

.hero-trust {
  display: flex;
  gap: 24px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--text-muted);
  font-size: 14px;
}

.trust-item svg {
  color: var(--success);
}

/* Hero Card */
.hero-right {
  display: flex;
  justify-content: center;
}

.hero-card {
  position: relative;
  width: 100%;
  max-width: 380px;
}

.card-glow {
  position: absolute;
  inset: -2px;
  background: var(--gradient-primary);
  border-radius: var(--radius-xl);
  filter: blur(20px);
  opacity: 0.5;
  animation: cardGlow 4s ease-in-out infinite;
}

@keyframes cardGlow {
  0%, 100% { opacity: 0.5; transform: scale(1); }
  50% { opacity: 0.7; transform: scale(1.02); }
}

.card-content {
  position: relative;
  background: var(--dark-card);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-xl);
  padding: 32px;
  backdrop-filter: blur(20px);
}

.card-badge {
  display: inline-block;
  padding: 6px 12px;
  background: var(--gradient-primary);
  border-radius: 100px;
  font-size: 12px;
  font-weight: 700;
  color: white;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 20px;
}

.card-amount {
  font-size: 48px;
  font-weight: 800;
  color: white;
  letter-spacing: -0.03em;
}

.card-term {
  font-size: 16px;
  color: var(--text-muted);
  margin-top: 8px;
  margin-bottom: 24px;
}

.card-payment {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px;
  background: var(--glass);
  border-radius: var(--radius);
  margin-bottom: 20px;
}

.card-payment span {
  color: var(--text-muted);
  font-size: 14px;
}

.card-payment strong {
  font-size: 28px;
  font-weight: 800;
  background: var(--gradient-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.card-note {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  color: var(--text-muted);
}

.card-note svg {
  flex-shrink: 0;
}

/* Hero Scroll Indicator */
.hero-scroll {
  position: absolute;
  bottom: 40px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
}

.hero-scroll span {
  font-size: 12px;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

.scroll-line {
  width: 2px;
  height: 40px;
  background: var(--glass-border);
  position: relative;
  overflow: hidden;
  border-radius: 2px;
}

.scroll-line::after {
  content: '';
  position: absolute;
  top: -100%;
  left: 0;
  width: 100%;
  height: 50%;
  background: var(--gradient-primary);
  animation: scrollLine 2s ease-in-out infinite;
}

@keyframes scrollLine {
  0% { top: -50%; }
  100% { top: 150%; }
}

/* =========================
   TRUST BAR
   ========================= */
.trust-bar {
  background: white;
  border-bottom: 1px solid rgba(0, 0, 0, 0.06);
  padding: 24px 0;
}

.trust-content {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}

.trust-text {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-body);
}

.trust-badges {
  display: flex;
  gap: 32px;
}

.badge {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text-body);
}

.badge svg {
  color: var(--primary);
}

.badge span {
  font-size: 14px;
  font-weight: 500;
}

/* =========================
   SECTIONS
   ========================= */
.section {
  padding: 100px 0;
  position: relative;
}

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

.section-dark .section-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.section-dark .section-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.15;
}

.section-dark .section-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, var(--dark) 0%, transparent 30%, transparent 70%, var(--dark) 100%);
}

.section-dark .container {
  position: relative;
  z-index: 1;
}

.section-alt {
  background: #F3F4F6;
}

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 64px;
}

.section-header.light {
  color: white;
}

.section-tag {
  display: inline-flex;
  padding: 8px 16px;
  background: rgba(99, 102, 241, 0.1);
  border-radius: 100px;
  font-size: 13px;
  font-weight: 700;
  color: var(--primary);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 20px;
}

.section-tag.light {
  background: var(--glass);
  color: var(--primary-light);
}

.section-header h2 {
  font-size: clamp(32px, 4vw, 48px);
  font-weight: 800;
  color: var(--text-dark);
  letter-spacing: -0.02em;
  margin-bottom: 16px;
}

.section-header.light h2 {
  color: white;
}

.section-header p {
  font-size: 18px;
  color: var(--text-body);
  line-height: 1.7;
}

.section-header.light p {
  color: var(--text-muted);
}

/* =========================
   STEPS
   ========================= */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-bottom: 64px;
}

.step {
  background: white;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
  transition: all 0.4s ease;
}

.step:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.12);
}

.step-img {
  position: relative;
  height: 200px;
  overflow: hidden;
}

.step-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.step:hover .step-img img {
  transform: scale(1.1);
}

.step-number {
  position: absolute;
  bottom: 16px;
  left: 16px;
  width: 56px;
  height: 56px;
  background: var(--gradient-primary);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  font-weight: 800;
  color: white;
  box-shadow: var(--shadow-button);
}

.step-content {
  padding: 28px;
}

.step-content h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 12px;
}

.step-content p {
  font-size: 15px;
  color: var(--text-body);
  line-height: 1.7;
}

/* CTA Block */
.cta-block {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 40px 48px;
  background: var(--gradient-primary);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-glow);
}

.cta-block-content h3 {
  font-size: 24px;
  font-weight: 700;
  color: white;
  margin-bottom: 4px;
}

.cta-block-content p {
  color: rgba(255, 255, 255, 0.8);
}

.cta-block .btn {
  background: white;
  color: var(--primary-dark);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
}

.cta-block .btn:hover {
  transform: translateY(-2px) scale(1.02);
}

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

.benefit-card {
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: 32px;
  backdrop-filter: blur(20px);
  transition: all 0.3s ease;
}

.benefit-card:hover {
  background: var(--glass-strong);
  transform: translateY(-4px);
}

.benefit-icon {
  width: 56px;
  height: 56px;
  background: var(--gradient-primary);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  box-shadow: var(--shadow-button);
}

.benefit-icon svg {
  color: white;
}

.benefit-card h4 {
  font-size: 18px;
  font-weight: 700;
  color: white;
  margin-bottom: 12px;
}

.benefit-card p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.7;
}

/* =========================
   RATES
   ========================= */
.rates-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
  margin-bottom: 48px;
}

.rate-card-big {
  background: white;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  border: 2px solid var(--primary);
}

.rate-card-header {
  background: var(--gradient-primary);
  padding: 20px 28px;
}

.rate-card-header span {
  font-size: 16px;
  font-weight: 700;
  color: white;
}

.rate-card-body {
  padding: 32px;
}

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

.rate-row:last-child {
  margin-bottom: 0;
}

.rate-item {
  padding: 20px;
  background: #F8F9FA;
  border-radius: var(--radius);
}

.rate-item.full-width {
  grid-column: span 2;
  text-align: center;
}

.rate-label {
  display: block;
  font-size: 13px;
  color: var(--text-body);
  margin-bottom: 8px;
}

.rate-value {
  display: block;
  font-size: 24px;
  font-weight: 800;
  color: var(--text-dark);
}

.rate-value.highlight {
  background: var(--gradient-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.rate-card-footer {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 20px 28px;
  background: #F8F9FA;
  font-size: 13px;
  color: var(--text-body);
}

.rate-card-footer svg {
  flex-shrink: 0;
  color: var(--primary);
}

.rate-info {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.info-block {
  display: flex;
  gap: 20px;
  padding: 24px;
  background: white;
  border-radius: var(--radius-lg);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
}

.info-block:hover {
  transform: translateX(8px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

.info-icon {
  width: 52px;
  height: 52px;
  background: rgba(99, 102, 241, 0.1);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.info-icon svg {
  color: var(--primary);
}

.info-text h4 {
  font-size: 16px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 6px;
}

.info-text p {
  font-size: 14px;
  color: var(--text-body);
  line-height: 1.6;
}

.info-text strong {
  color: var(--text-dark);
}

/* Disclaimer Box */
.disclaimer-box {
  display: flex;
  gap: 20px;
  padding: 24px 28px;
  background: linear-gradient(135deg, rgba(245, 158, 11, 0.1) 0%, rgba(245, 158, 11, 0.05) 100%);
  border: 1px solid rgba(245, 158, 11, 0.3);
  border-radius: var(--radius-lg);
}

.disclaimer-icon {
  width: 44px;
  height: 44px;
  background: var(--warning);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.disclaimer-icon svg {
  color: white;
}

.disclaimer-text {
  font-size: 14px;
  color: var(--text-body);
  line-height: 1.7;
}

.disclaimer-text strong {
  color: var(--text-dark);
}

/* =========================
   FAQ
   ========================= */
.faq-layout {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 60px;
  align-items: start;
}

.faq-header {
  position: sticky;
  top: 120px;
}

.faq-header h2 {
  font-size: 36px;
  font-weight: 800;
  color: var(--text-dark);
  margin-bottom: 16px;
}

.faq-header p {
  font-size: 16px;
  color: var(--text-body);
  margin-bottom: 32px;
}

.faq-contact {
  display: flex;
  gap: 20px;
  padding: 24px;
  background: white;
  border-radius: var(--radius-lg);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
}

.faq-contact img {
  width: 80px;
  height: 80px;
  object-fit: cover;
  border-radius: 16px;
}

.faq-contact-text {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.faq-contact-text strong {
  font-size: 16px;
  color: var(--text-dark);
}

.faq-contact-text span {
  font-size: 14px;
  color: var(--text-body);
}

.faq-contact-text a {
  font-size: 14px;
  color: var(--primary);
  font-weight: 600;
}

.faq-contact-text a:hover {
  text-decoration: underline;
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  background: white;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.06);
  transition: all 0.3s ease;
}

.faq-item:hover {
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
}

.faq-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 28px;
  cursor: pointer;
  list-style: none;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary span {
  font-size: 16px;
  font-weight: 600;
  color: var(--text-dark);
}

.faq-icon {
  width: 32px;
  height: 32px;
  background: rgba(99, 102, 241, 0.1);
  border-radius: 10px;
  position: relative;
  flex-shrink: 0;
  transition: all 0.3s ease;
}

.faq-icon::before,
.faq-icon::after {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  background: var(--primary);
  transform: translate(-50%, -50%);
  transition: all 0.3s ease;
}

.faq-icon::before {
  width: 12px;
  height: 2px;
}

.faq-icon::after {
  width: 2px;
  height: 12px;
}

.faq-item[open] .faq-icon {
  background: var(--gradient-primary);
}

.faq-item[open] .faq-icon::before,
.faq-item[open] .faq-icon::after {
  background: white;
}

.faq-item[open] .faq-icon::after {
  opacity: 0;
}

.faq-answer {
  padding: 0 28px 24px;
  font-size: 15px;
  color: var(--text-body);
  line-height: 1.8;
}

.faq-answer strong {
  color: var(--text-dark);
}

/* =========================
   CONTACT
   ========================= */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}

.contact-info {
  color: white;
}

.contact-info h2 {
  font-size: 36px;
  font-weight: 800;
  margin-bottom: 16px;
}

.contact-info > p {
  font-size: 16px;
  color: var(--text-muted);
  margin-bottom: 32px;
}

.company-card {
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: 28px;
  backdrop-filter: blur(20px);
  margin-bottom: 24px;
}

.company-name {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}

.company-name strong {
  font-size: 18px;
}

.duns {
  padding: 6px 12px;
  background: var(--gradient-primary);
  border-radius: 100px;
  font-size: 12px;
  font-weight: 700;
}

.company-details {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.detail-row {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.detail-row svg {
  color: var(--primary-light);
  flex-shrink: 0;
  margin-top: 2px;
}

.detail-row span,
.detail-row a {
  font-size: 15px;
  color: var(--text-light);
  line-height: 1.5;
}

.detail-row a:hover {
  color: white;
  text-decoration: underline;
}

.contact-note {
  display: flex;
  gap: 12px;
  padding: 16px 20px;
  background: rgba(245, 158, 11, 0.15);
  border: 1px solid rgba(245, 158, 11, 0.3);
  border-radius: var(--radius);
  font-size: 13px;
  color: var(--text-light);
}

.contact-note svg {
  color: var(--warning);
  flex-shrink: 0;
}

.contact-form-card {
  background: white;
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-card);
}

.contact-form-card h3 {
  font-size: 24px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 28px;
}

.contact-form {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.form-group label {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-dark);
}

.form-group input,
.form-group textarea {
  padding: 16px 20px;
  border: 2px solid #E5E7EB;
  border-radius: 14px;
  font-size: 15px;
  transition: all 0.2s ease;
  background: #F9FAFB;
}

.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary);
  background: white;
  box-shadow: 0 0 0 4px rgba(99, 102, 241, 0.1);
}

.form-group textarea {
  min-height: 140px;
  resize: vertical;
}

/* =========================
   FOOTER
   ========================= */
.footer {
  background: var(--dark);
  padding: 80px 0 40px;
  color: white;
}

.footer-main {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 60px;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--glass-border);
  margin-bottom: 32px;
}

.footer-brand .logo {
  margin-bottom: 20px;
}

.footer-brand p {
  font-size: 15px;
  color: var(--text-muted);
  max-width: 360px;
  line-height: 1.7;
}

.footer-links {
  display: flex;
  gap: 60px;
}

.footer-col h4 {
  font-size: 14px;
  font-weight: 700;
  color: white;
  margin-bottom: 20px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

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

.footer-col a,
.footer-col span {
  font-size: 14px;
  color: var(--text-muted);
}

.footer-col a:hover {
  color: white;
}

.footer-disclaimer {
  padding: 24px;
  background: var(--glass);
  border-radius: var(--radius);
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 32px;
}

.footer-disclaimer strong {
  color: var(--text-light);
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 13px;
  color: var(--text-muted);
}

/* =========================
   MODAL
   ========================= */
.modal {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: none;
}

.modal.active {
  display: block;
}

.modal-overlay {
  position: absolute;
  inset: 0;
  background: rgba(15, 15, 26, 0.8);
  backdrop-filter: blur(8px);
}

.modal-container {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: min(1100px, calc(100vw - 32px));
  max-height: min(90vh, 900px);
  background: white;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 40px 100px rgba(0, 0, 0, 0.3);
  display: flex;
  flex-direction: column;
}

.modal-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding: 24px 28px;
  border-bottom: 1px solid #E5E7EB;
  background: #F9FAFB;
}

.modal-header h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 6px;
}

.modal-header p {
  font-size: 14px;
  color: var(--text-body);
  max-width: 500px;
}

.modal-close {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  border: 1px solid #E5E7EB;
  background: white;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.2s ease;
  flex-shrink: 0;
}

.modal-close:hover {
  background: #F3F4F6;
  border-color: #D1D5DB;
}

.modal-body {
  flex: 1;
  padding: 24px;
  overflow: hidden;
}

#_lg_form_ {
  width: 100%;
  height: 100%;
  min-height: 600px;
}

#_lg_form_ iframe {
  width: 100% !important;
  height: 100% !important;
  min-height: 100% !important;
  border: 0 !important;
}

/* =========================
   REVEAL ANIMATIONS
   ========================= */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: all 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}

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

.step:nth-child(2) { transition-delay: 0.1s; }
.step:nth-child(3) { transition-delay: 0.2s; }

.benefit-card:nth-child(2) { transition-delay: 0.1s; }
.benefit-card:nth-child(3) { transition-delay: 0.2s; }
.benefit-card:nth-child(4) { transition-delay: 0.3s; }
.benefit-card:nth-child(5) { transition-delay: 0.4s; }
.benefit-card:nth-child(6) { transition-delay: 0.5s; }

.info-block:nth-child(2) { transition-delay: 0.1s; }
.info-block:nth-child(3) { transition-delay: 0.2s; }

/* =========================
   RESPONSIVE
   ========================= */
@media (max-width: 1024px) {
  .hero-content {
    grid-template-columns: 1fr;
    gap: 48px;
  }

  .hero-right {
    display: none;
  }

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

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

  .rates-layout {
    grid-template-columns: 1fr;
  }

  .faq-layout {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .faq-header {
    position: static;
  }

  .contact-layout {
    grid-template-columns: 1fr;
    gap: 40px;
  }
}

@media (max-width: 768px) {
  .nav {
    display: none;
  }

  .hero {
    padding: 100px 0 60px;
    min-height: auto;
  }

  .hero-stats {
    flex-wrap: wrap;
    gap: 20px;
  }

  .stat-divider {
    display: none;
  }

  .hero-cta {
    flex-direction: column;
  }

  .hero-cta .btn {
    width: 100%;
  }

  .hero-trust {
    flex-direction: column;
    gap: 12px;
  }

  .hero-scroll {
    display: none;
  }

  .section {
    padding: 60px 0;
  }

  .trust-content {
    flex-direction: column;
    text-align: center;
  }

  .trust-badges {
    flex-wrap: wrap;
    justify-content: center;
  }

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

  .cta-block {
    flex-direction: column;
    text-align: center;
    gap: 24px;
  }

  .footer-main {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .footer-links {
    flex-direction: column;
    gap: 32px;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }

  .announcement-inner {
    flex-wrap: wrap;
  }
}

@media (max-width: 480px) {
  .container {
    width: calc(100% - 32px);
  }

  .hero h1 {
    font-size: 32px;
  }

  .section-header h2 {
    font-size: 28px;
  }

  .rate-row {
    grid-template-columns: 1fr;
  }

  .modal-container {
    width: calc(100vw - 16px);
    max-height: calc(100vh - 32px);
  }
}