@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=Inter:wght@300;400;500;600&display=swap');
:root {
  --color-bg:          #F7F8FA;
  --color-surface:     #FFFFFF;
  --color-border:      #E2E6ED;
  --color-navy:        #1C2B4A;
  --color-navy-mid:    #2E4270;
  --color-slate:       #4A5568;
  --color-muted:       #718096;
  --color-accent:      #3B6CB7;
  --color-accent-lite: #EAF0FB;
  --color-gold:        #B8955A;
  --color-white:       #FFFFFF;
  --color-text:        #1A202C;

  --font-display: 'Playfair Display', Georgia, serif;
  --font-body:    'Inter', system-ui, sans-serif;

  --radius-sm:  4px;
  --radius-md:  8px;
  --radius-lg:  16px;

  --shadow-sm:  0 1px 3px rgba(0,0,0,0.08);
  --shadow-md:  0 4px 16px rgba(0,0,0,0.10);
  --shadow-lg:  0 12px 40px rgba(0,0,0,0.13);

  --max-w: 1160px;
  --header-h: 72px;
  --transition: 0.22s ease;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  background: var(--color-bg);
  color: var(--color-text);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--color-accent); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--color-navy); }
ul, ol { list-style: none; }
button { font-family: var(--font-body); cursor: pointer; border: none; background: none; }
input, textarea, select { font-family: var(--font-body); }
h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--color-navy);
  line-height: 1.25;
}
h1 { font-size: clamp(2rem, 4vw, 3.25rem); font-weight: 700; }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); font-weight: 600; }
h3 { font-size: clamp(1.15rem, 2vw, 1.45rem); font-weight: 600; }
h4 { font-size: 1.05rem; font-weight: 600; }
p { color: var(--color-slate); margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}
.section { padding: 80px 0; }
.section--alt { background: var(--color-surface); }
.section--dark { background: var(--color-navy); }
.section--accent { background: var(--color-accent-lite); }
.section-label {
  font-family: var(--font-body);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: 12px;
  display: block;
}
.section-header { max-width: 620px; margin-bottom: 56px; }
.section-header p { font-size: 1.05rem; margin-top: 14px; }
.center { text-align: center; }
.center .section-header { margin-left: auto; margin-right: auto; }
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius-md);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  transition: all var(--transition);
  line-height: 1;
}
.btn--primary {
  background: var(--color-accent);
  color: var(--color-white);
  box-shadow: 0 2px 8px rgba(59,108,183,0.25);
}
.btn--primary:hover {
  background: var(--color-navy);
  color: var(--color-white);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}
.btn--outline {
  border: 1.5px solid var(--color-accent);
  color: var(--color-accent);
  background: transparent;
}
.btn--outline:hover {
  background: var(--color-accent);
  color: var(--color-white);
}
.btn--ghost {
  color: var(--color-white);
  border: 1.5px solid rgba(255,255,255,0.4);
}
.btn--ghost:hover {
  background: rgba(255,255,255,0.12);
  color: var(--color-white);
}
.site-header {
  position: sticky;
  top: 0;
  z-index: 900;
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  height: var(--header-h);
  box-shadow: var(--shadow-sm);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
}
.logo-img {
  width: 38px;
  height: 38px;
  border-radius: var(--radius-sm);
  object-fit: contain;
}
.logo-wordmark {
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--color-navy);
  letter-spacing: -0.01em;
}
.logo-wordmark span { color: var(--color-accent); }
.nav-desktop { display: flex; align-items: center; gap: 4px; }
.nav-desktop a {
  color: var(--color-slate);
  font-size: 0.88rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}
.nav-desktop a:hover,
.nav-desktop a.active {
  color: var(--color-navy);
  background: var(--color-accent-lite);
}
.nav-desktop .nav-cta {
  background: var(--color-accent);
  color: var(--color-white);
  padding: 8px 18px;
  border-radius: var(--radius-md);
  margin-left: 8px;
}
.nav-desktop .nav-cta:hover {
  background: var(--color-navy);
  color: var(--color-white);
}
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  border-radius: var(--radius-sm);
}
.nav-toggle span {
  display: block;
  height: 2px;
  background: var(--color-navy);
  border-radius: 2px;
  transition: all 0.28s ease;
  transform-origin: center;
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.nav-mobile {
  display: none;
  position: fixed;
  top: var(--header-h);
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--color-surface);
  z-index: 850;
  overflow-y: auto;
  padding: 24px;
  flex-direction: column;
  gap: 4px;
  transform: translateX(100%);
  transition: transform 0.3s ease;
}
.nav-mobile.open {
  transform: translateX(0);
}
.nav-mobile a {
  display: block;
  padding: 14px 16px;
  color: var(--color-slate);
  font-size: 1rem;
  font-weight: 500;
  border-radius: var(--radius-md);
  border-bottom: 1px solid var(--color-border);
  transition: all var(--transition);
}
.nav-mobile a:hover,
.nav-mobile a.active {
  color: var(--color-navy);
  background: var(--color-accent-lite);
}
.nav-mobile a:last-child { border-bottom: none; }
.hero {
  position: relative;
  min-height: 88vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--color-navy);
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('https://images.unsplash.com/photo-1511883040705-6011fad9edfc?w=500&auto=format&fit=crop&q=60&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxzZWFyY2h8MTJ8fGZpbmFuY2V8ZW58MHx8MHx8fDA%3D');
  background-size: cover;
  background-position: center;
  opacity: 0.18;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(28,43,74,0.97) 45%, rgba(46,66,112,0.85) 100%);
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 780px;
  padding: 100px 24px 80px;
  margin: 0 auto;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--color-gold);
  margin-bottom: 24px;
}
.hero-eyebrow::before {
  content: '';
  display: block;
  width: 28px;
  height: 1.5px;
  background: var(--color-gold);
}
.hero h1 { color: var(--color-white); margin-bottom: 24px; max-width: 680px; }
.hero h1 em { font-style: normal; color: #93B4E8; }
.hero-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.72);
  max-width: 560px;
  margin-bottom: 40px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-stats {
  display: flex;
  gap: 40px;
  margin-top: 64px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.12);
  flex-wrap: wrap;
}
.hero-stat-val {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  color: var(--color-white);
  line-height: 1;
  display: block;
}
.hero-stat-lbl {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.06em;
  margin-top: 4px;
  display: block;
}
.card-grid {
  display: grid;
  gap: 24px;
}
.card-grid--3 { grid-template-columns: repeat(3, 1fr); }
.card-grid--2 { grid-template-columns: repeat(2, 1fr); }
.card-grid--4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: box-shadow var(--transition), transform var(--transition);
}
.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.card-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--color-accent-lite);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--color-accent);
  flex-shrink: 0;
}
.card-icon svg { width: 26px; height: 26px; }
.card h3 { margin-bottom: 10px; }
.card p { font-size: 0.92rem; }

.card--dark {
  background: rgba(255,255,255,0.05);
  border-color: rgba(255,255,255,0.10);
}
.card--dark h3 { color: var(--color-white); }
.card--dark p { color: rgba(255,255,255,0.62); }
.card--dark .card-icon { background: rgba(255,255,255,0.10); color: #93B4E8; }
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.split--reverse { direction: rtl; }
.split--reverse > * { direction: ltr; }
.split-img {
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4/3;
  box-shadow: var(--shadow-lg);
}
.split-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.split-body .section-label { display: block; }
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  position: relative;
}
.steps::before {
  content: '';
  position: absolute;
  top: 28px;
  left: calc(12.5% + 16px);
  right: calc(12.5% + 16px);
  height: 1.5px;
  background: var(--color-border);
  z-index: 0;
}
.step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 0 16px;
  position: relative;
  z-index: 1;
}
.step-num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--color-accent);
  color: var(--color-white);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(59,108,183,0.28);
}
.step h4 { margin-bottom: 8px; font-size: 0.95rem; }
.step p { font-size: 0.85rem; }
.info-list { display: flex; flex-direction: column; gap: 16px; }
.info-item {
  display: flex;
  gap: 16px;
  padding: 20px 24px;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  align-items: flex-start;
}
.info-item-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  background: var(--color-accent-lite);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  flex-shrink: 0;
}
.info-item-body h4 { margin-bottom: 4px; font-size: 0.95rem; }
.info-item-body p { font-size: 0.88rem; margin: 0; }
.compare-table { width: 100%; border-collapse: collapse; background: var(--color-surface); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); }
.compare-table th { background: var(--color-navy); color: var(--color-white); padding: 16px 20px; text-align: left; font-size: 0.85rem; font-weight: 600; letter-spacing: 0.04em; }
.compare-table td { padding: 14px 20px; border-bottom: 1px solid var(--color-border); font-size: 0.9rem; color: var(--color-slate); }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:nth-child(even) td { background: #F9FAFB; }
.quote-block {
  background: var(--color-navy);
  border-radius: var(--radius-lg);
  padding: 48px;
  position: relative;
}
.quote-mark {
  font-family: var(--font-display);
  font-size: 6rem;
  line-height: 0.6;
  color: var(--color-gold);
  margin-bottom: 16px;
  display: block;
  opacity: 0.6;
}
.quote-text {
  font-family: var(--font-display);
  font-size: 1.25rem;
  color: var(--color-white);
  line-height: 1.5;
  margin-bottom: 24px;
}
.quote-attr { font-size: 0.85rem; color: rgba(255,255,255,0.5); }
.page-hero {
  background: var(--color-navy);
  padding: 80px 0 72px;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--color-navy) 60%, var(--color-navy-mid));
  opacity: 0.9;
  z-index: 0;
}
.page-hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0.12;
  z-index: 0;
}
.page-hero-content { position: relative; z-index: 1; }
.page-hero .section-label { display: block; margin-bottom: 12px; }
.page-hero h1 { color: var(--color-white); margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,0.68); font-size: 1.05rem; max-width: 600px; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  margin-bottom: 24px;
}
.breadcrumb a { color: rgba(255,255,255,0.6); }
.breadcrumb a:hover { color: var(--color-white); }
.breadcrumb-sep { opacity: 0.4; }
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 56px; align-items: start; }
.contact-info { display: flex; flex-direction: column; gap: 24px; }
.contact-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.contact-item-icon {
  width: 44px;
  height: 44px;
  background: var(--color-accent-lite);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  flex-shrink: 0;
}
.contact-item-body strong { display: block; font-size: 0.85rem; color: var(--color-muted); margin-bottom: 3px; }
.contact-item-body span { font-size: 0.95rem; color: var(--color-navy); font-weight: 500; }
.form-group { margin-bottom: 20px; }
.form-label { display: block; font-size: 0.83rem; font-weight: 600; color: var(--color-navy); margin-bottom: 6px; letter-spacing: 0.02em; }
.form-control {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: 0.92rem;
  color: var(--color-text);
  background: var(--color-surface);
  transition: border-color var(--transition), box-shadow var(--transition);
  appearance: none;
  -webkit-appearance: none;
}
.form-control:focus {
  outline: none;
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(59,108,183,0.12);
}
.form-control::placeholder { color: var(--color-muted); }
textarea.form-control { min-height: 130px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-note { font-size: 0.8rem; color: var(--color-muted); margin-top: 6px; }
.form-submit { width: 100%; }
.form-msg {
  display: none;
  padding: 14px 18px;
  border-radius: var(--radius-md);
  font-size: 0.9rem;
  font-weight: 500;
  margin-top: 16px;
}
.form-msg.success { background: #EDF7ED; color: #2D6A2D; border: 1px solid #B5D9B5; display: block; }
.form-msg.error { background: #FDF0EF; color: #92241F; border: 1px solid #F5C6C4; display: block; }
.legal-body {
  max-width: 780px;
  margin: 0 auto;
}
.legal-body h2 {
  font-size: 1.3rem;
  margin-top: 40px;
  margin-bottom: 12px;
  padding-top: 8px;
  border-top: 1px solid var(--color-border);
}
.legal-body h2:first-child { border-top: none; margin-top: 0; }
.legal-body p, .legal-body li { font-size: 0.95rem; color: var(--color-slate); }
.legal-body ul { list-style: disc; padding-left: 24px; margin-bottom: 1rem; display: flex; flex-direction: column; gap: 6px; }
.legal-body ol { list-style: decimal; padding-left: 24px; margin-bottom: 1rem; display: flex; flex-direction: column; gap: 6px; }
.legal-date { font-size: 0.82rem; color: var(--color-muted); margin-bottom: 32px; }
.site-footer {
  background: var(--color-navy);
  color: rgba(255,255,255,0.6);
  padding-top: 64px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.2fr;
  gap: 48px;
  padding-bottom: 56px;
}
.footer-brand .logo-wordmark { color: var(--color-white); }
.footer-brand p { font-size: 0.88rem; color: rgba(255,255,255,0.52); margin-top: 14px; max-width: 280px; }
.footer-col h5 {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  margin-bottom: 16px;
}
.footer-col a {
  display: block;
  color: rgba(255,255,255,0.62);
  font-size: 0.88rem;
  padding: 4px 0;
  transition: color var(--transition);
}
.footer-col a:hover { color: var(--color-white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom-links { display: flex; gap: 24px; }
.footer-bottom-links a { font-size: 0.8rem; color: rgba(255,255,255,0.42); }
.footer-bottom-links a:hover { color: var(--color-white); }
.footer-copy { font-size: 0.8rem; }
.cookie-banner {
  position: fixed;
  bottom: 24px;
  left: 50%;
  transform: translateX(-50%) translateY(120px);
  width: calc(100% - 48px);
  max-width: 780px;
  background: var(--color-navy);
  border-radius: var(--radius-lg);
  padding: 24px 28px;
  display: flex;
  align-items: center;
  gap: 24px;
  box-shadow: var(--shadow-lg);
  z-index: 9999;
  transition: transform 0.4s cubic-bezier(0.34,1.56,0.64,1);
  flex-wrap: wrap;
}
.cookie-banner.show { transform: translateX(-50%) translateY(0); }
.cookie-text { flex: 1; min-width: 200px; }
.cookie-text p { font-size: 0.88rem; color: rgba(255,255,255,0.72); margin: 0; }
.cookie-text a { color: #93B4E8; }
.cookie-actions { display: flex; gap: 10px; flex-shrink: 0; flex-wrap: wrap; }
.divider {
  height: 1px;
  background: var(--color-border);
  margin: 0;
}
.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.value-card {
  padding: 32px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  background: var(--color-surface);
}
.value-num {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--color-accent);
  opacity: 0.25;
  line-height: 1;
  margin-bottom: 16px;
}
.value-card h3 { margin-bottom: 10px; font-size: 1.1rem; }
.timeline { position: relative; padding-left: 28px; }
.timeline::before {
  content: '';
  position: absolute;
  left: 8px;
  top: 8px;
  bottom: 0;
  width: 2px;
  background: var(--color-border);
}
.timeline-item { position: relative; margin-bottom: 32px; }
.timeline-item::before {
  content: '';
  position: absolute;
  left: -24px;
  top: 6px;
  width: 10px;
  height: 10px;
  background: var(--color-accent);
  border-radius: 50%;
  border: 2px solid var(--color-surface);
  box-shadow: 0 0 0 2px var(--color-accent);
}
.timeline-year { font-size: 0.75rem; font-weight: 700; color: var(--color-gold); letter-spacing: 0.06em; margin-bottom: 4px; }
.timeline-item h4 { margin-bottom: 6px; font-size: 0.95rem; }
.timeline-item p { font-size: 0.88rem; margin: 0; }
.allocation-bar {
  display: flex;
  height: 24px;
  border-radius: 12px;
  overflow: hidden;
  margin-bottom: 16px;
}
.alloc-seg { height: 100%; transition: width 0.6s ease; }
.alloc-seg--eq { background: #3B6CB7; }
.alloc-seg--fi { background: #B8955A; }
.alloc-seg--alt { background: #4A8C6F; }
.alloc-seg--cash { background: #9B7EC8; }
.alloc-legend { display: flex; gap: 20px; flex-wrap: wrap; }
.alloc-legend-item { display: flex; align-items: center; gap: 8px; font-size: 0.82rem; color: var(--color-slate); }
.alloc-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.accordion { display: flex; flex-direction: column; gap: 8px; }
.accordion-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.accordion-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 22px;
  background: var(--color-surface);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-navy);
  text-align: left;
  transition: background var(--transition);
}
.accordion-btn:hover { background: var(--color-accent-lite); }
.accordion-icon {
  width: 22px;
  height: 22px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  flex-shrink: 0;
  transition: transform 0.25s ease;
}
.accordion-btn.open .accordion-icon { transform: rotate(180deg); }
.accordion-body {
  display: none;
  padding: 0 22px 18px;
  background: var(--color-surface);
  font-size: 0.9rem;
  color: var(--color-slate);
}
.accordion-body.open { display: block; }
@media (max-width: 1024px) {
  .card-grid--4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .steps::before { display: none; }
  .step { padding: 20px; }
}

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

  .card-grid--3 { grid-template-columns: 1fr; }
  .card-grid--2 { grid-template-columns: 1fr; }
  .card-grid--4 { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; gap: 32px; }
  .split--reverse { direction: ltr; }
  .steps { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .form-row { grid-template-columns: 1fr; }
  .hero-content { padding: 80px 24px 60px; }
  .hero-stats { gap: 24px; }
  .section { padding: 56px 0; }
  .page-hero { padding: 56px 0 48px; }
  .quote-block { padding: 32px 24px; }
  .cookie-banner { bottom: 12px; }
}

@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-bottom-links { flex-wrap: wrap; justify-content: center; }
  .hero-actions { flex-direction: column; }
  .btn { width: 100%; justify-content: center; }
}
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.text-muted { color: var(--color-muted); }
.text-accent { color: var(--color-accent); }
.text-gold { color: var(--color-gold); }
.fw-600 { font-weight: 600; }
.d-flex { display: flex; }
.gap-2 { gap: 8px; }
.gap-3 { gap: 16px; }
.align-center { align-items: center; }
.w-full { width: 100%; }
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }