/* ═══════════════════════════════════════════════════════════════
   SICURA FINANZA — Italian Editorial Luxury
   Bodoni Moda + Source Serif 4
   Inchiostro · Carta · Terra di Siena
═══════════════════════════════════════════════════════════════ */
@import url('https://fonts.googleapis.com/css2?family=Bodoni+Moda:ital,opsz,wght@0,6..96,400;0,6..96,600;0,6..96,800;0,6..96,900;1,6..96,400;1,6..96,600;1,6..96,800&family=Source+Serif+4:ital,opsz,wght@0,8..60,300;0,8..60,400;0,8..60,600;1,8..60,300;1,8..60,400&display=swap');

:root {
  --ink:       #0e0d0b;
  --ink-2:     #1c1a17;
  --ink-3:     #2e2b26;
  --mid:       #6b6259;
  --stone:     #c8c0b4;
  --stone-lt:  #e4dfd8;
  --paper:     #f5f3ef;
  --paper-2:   #ede9e2;
  --cream:     #faf8f4;
  --white:     #ffffff;
  --terra:     #b85c2c;
  --terra-dk:  #8a3f1a;
  --terra-lt:  #d4784a;
  --terra-pale:rgba(184,92,44,.08);
  --terra-bdr: rgba(184,92,44,.22);
  --verde:     #007d3a;
  --rosso:     #c0302a;
  --ff-d: 'Bodoni Moda','Didot','Bodoni MT',Georgia,serif;
  --ff-b: 'Source Serif 4','Georgia',serif;
  --r:  4px;
  --r2: 6px;
  --shadow-sm: 0 2px 12px rgba(14,13,11,.07);
  --shadow:    0 6px 32px rgba(14,13,11,.1);
  --shadow-lg: 0 16px 64px rgba(14,13,11,.14);
  --max-w: 1200px;
  --max-sm: 840px;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--ff-b);color:var(--ink);background:var(--white);line-height:1.7;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}

.container{max-width:var(--max-w);margin:0 auto;padding:0 32px}
.container-sm{max-width:var(--max-sm);margin:0 auto;padding:0 32px}

/* ── Topbar ── */
.topbar{background:var(--ink);color:rgba(255,255,255,.52);font-size:.73rem;padding:.5rem 0;letter-spacing:.04em}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;gap:1rem;flex-wrap:wrap}
.topbar a{color:rgba(255,255,255,.6);transition:color .2s}
.topbar a:hover{color:var(--terra-lt)}
.topbar-right{display:flex;gap:1.5rem;align-items:center}
.topbar-right span{display:flex;align-items:center;gap:5px}
.topbar-flag{display:flex;gap:2px;align-items:center;margin-right:.25rem}
.topbar-flag i{display:inline-block;width:5px;height:12px;border-radius:1px}

/* ── Header ── */
.header{background:var(--white);position:sticky;top:0;z-index:900;border-bottom:1px solid var(--stone-lt)}
.header-rule{height:3px;background:var(--terra);width:100%}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:76px;gap:2rem}
.logo img{height:52px;width:auto}

/* ── Nav ── */
.nav{display:flex;align-items:center}
.nav a{padding:.5rem .85rem;font-family:var(--ff-b);font-size:.75rem;font-weight:400;color:var(--mid);letter-spacing:.08em;text-transform:uppercase;transition:color .2s;position:relative;white-space:nowrap}
.nav a:hover,.nav a.active{color:var(--ink)}
.nav a.active::after{content:'';position:absolute;bottom:-3px;left:.85rem;right:.85rem;height:1.5px;background:var(--terra)}
.nav-dropdown{position:relative}
.nav-dropdown > a::after{content:' ›';font-size:.9rem}
.nav-dropdown > a.active::after{content:' ›';background:none;position:static;height:auto}
.dropdown-menu{position:absolute;top:calc(100% + 12px);left:0;background:var(--white);border:1px solid var(--stone-lt);border-top:2px solid var(--terra);border-radius:0 0 var(--r2) var(--r2);box-shadow:var(--shadow-lg);min-width:220px;padding:.75rem 0;opacity:0;pointer-events:none;transform:translateY(6px);transition:all .2s;z-index:200}
.nav-dropdown:hover .dropdown-menu{opacity:1;pointer-events:all;transform:translateY(0)}
.dropdown-menu a{display:block;padding:.6rem 1.2rem;font-size:.73rem;letter-spacing:.06em;text-transform:uppercase;color:var(--mid);font-weight:400}
.dropdown-menu a:hover{color:var(--terra);background:var(--terra-pale);padding-left:1.5rem}
.dropdown-menu a::after{display:none!important}
.header-actions{display:flex;align-items:center;gap:.75rem}

/* ── Buttons ── */
.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--ff-b);font-size:.73rem;letter-spacing:.1em;text-transform:uppercase;font-weight:600;cursor:pointer;border:none;transition:all .22s;white-space:nowrap}
.btn-primary{background:var(--ink);color:var(--white);padding:.72rem 1.6rem;border-radius:var(--r)}
.btn-primary:hover{background:var(--ink-3);transform:translateY(-1px);box-shadow:var(--shadow)}
.btn-terra{background:var(--terra);color:var(--white);padding:.72rem 1.6rem;border-radius:var(--r)}
.btn-terra:hover{background:var(--terra-dk);transform:translateY(-1px);box-shadow:0 6px 24px rgba(184,92,44,.3)}
.btn-outline{background:transparent;color:var(--ink);border:1.5px solid var(--ink);padding:.68rem 1.55rem;border-radius:var(--r)}
.btn-outline:hover{background:var(--ink);color:var(--white)}
.btn-outline-light{background:transparent;color:rgba(255,255,255,.8);border:1.5px solid rgba(255,255,255,.35);padding:.68rem 1.55rem;border-radius:var(--r)}
.btn-outline-light:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.7);color:var(--white)}
.btn-lg{padding:.9rem 2.4rem;font-size:.8rem}
.btn-sm{padding:.42rem .9rem;font-size:.68rem}
.w-full{width:100%;justify-content:center}

/* ── Mobile ── */
.mobile-toggle{display:none;background:none;border:none;cursor:pointer;color:var(--ink);font-size:1.3rem;padding:.3rem}
.mobile-menu{display:none;position:fixed;top:79px;left:0;right:0;bottom:0;z-index:850;background:var(--white);flex-direction:column;border-top:2px solid var(--terra);overflow-y:auto;-webkit-overflow-scrolling:touch}
.mobile-menu.open{display:flex}
.mobile-menu > a{display:block;padding:1rem 1.5rem;font-size:.73rem;letter-spacing:.1em;text-transform:uppercase;color:var(--mid);border-bottom:1px solid var(--stone-lt)}
.mobile-menu > a:hover{color:var(--terra);background:var(--terra-pale)}
.mobile-contact{background:var(--ink);padding:1.5rem;margin-top:auto}
.mobile-contact .mc-label{font-size:.63rem;letter-spacing:.14em;text-transform:uppercase;color:var(--stone);margin-bottom:.75rem}
.mobile-contact a{display:flex;align-items:center;gap:8px;color:rgba(255,255,255,.62)!important;font-size:.83rem;padding:.5rem 0!important;border-bottom:1px solid rgba(255,255,255,.07)!important;text-transform:none;letter-spacing:0}
.mobile-contact a:last-child{border-bottom:none!important}
.mobile-contact a:hover{color:var(--terra-lt)!important}

/* ── Hero ── */
.hero{background:var(--ink);position:relative;overflow:hidden;padding:110px 0 0;min-height:92vh;display:flex;flex-direction:column}
.hero::before{content:'';position:absolute;inset:0;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.75' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='1'/%3E%3C/svg%3E");opacity:.035;pointer-events:none;z-index:0}
.hero::after{content:'';position:absolute;top:0;right:0;width:1px;height:100%;background:linear-gradient(180deg,var(--terra) 0%,transparent 60%);opacity:.6}
.hero-content{position:relative;z-index:1;flex:1;display:flex;align-items:flex-end;padding-bottom:72px}
.hero-layout{display:grid;grid-template-columns:1fr 380px;gap:5rem;align-items:end;width:100%}
.hero-chapter{display:flex;align-items:center;gap:1rem;margin-bottom:2.5rem}
.hero-chapter-line{width:40px;height:1px;background:var(--terra)}
.hero-chapter-text{font-family:var(--ff-b);font-size:.68rem;letter-spacing:.2em;text-transform:uppercase;color:var(--terra-lt)}
.hero h1{font-family:var(--ff-d);font-size:clamp(2.8rem,5.5vw,5.2rem);font-weight:800;color:var(--paper);line-height:1.0;letter-spacing:-.02em;margin-bottom:2rem}
.hero h1 em{font-style:italic;color:var(--terra-lt);font-weight:400}
.hero-text{font-size:.95rem;color:rgba(245,243,239,.5);line-height:1.85;max-width:480px;margin-bottom:2.5rem;font-weight:300}
.hero-actions{display:flex;gap:1rem;flex-wrap:wrap;margin-bottom:3rem}
.hero-metrics{display:flex;gap:3rem;padding-top:2rem;border-top:1px solid rgba(255,255,255,.08)}
.hero-metric-num{font-family:var(--ff-d);font-size:2.2rem;font-weight:700;color:var(--paper);line-height:1}
.hero-metric-label{font-size:.65rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.3);margin-top:.4rem}

/* Hero calc */
.hero-calc{background:var(--paper);border-radius:var(--r2);padding:2rem;color:var(--ink);box-shadow:var(--shadow-lg);transform:translateY(-24px)}
.calc-title{font-family:var(--ff-d);font-size:1.05rem;color:var(--ink);margin-bottom:1.5rem;padding-bottom:1rem;border-bottom:1px solid var(--stone-lt);display:flex;align-items:center;gap:.75rem}
.calc-title::before{content:'';display:block;width:18px;height:1.5px;background:var(--terra)}
.calc-row{margin-bottom:1.25rem}
.calc-row label{display:flex;justify-content:space-between;font-size:.68rem;letter-spacing:.08em;text-transform:uppercase;color:var(--mid);margin-bottom:.5rem}
.calc-val{color:var(--ink);font-weight:600;font-family:var(--ff-d);font-size:.95rem}
.calc-row input[type=range]{width:100%;accent-color:var(--terra);height:3px;cursor:pointer}
.calc-result{background:var(--ink);border-radius:var(--r);padding:1.2rem;margin-top:1rem}
.calc-result-row{display:flex;justify-content:space-between;align-items:center;padding:.35rem 0;font-size:.78rem;color:rgba(255,255,255,.5);letter-spacing:.02em}
.calc-result-row.total{border-top:1px solid rgba(255,255,255,.1);margin-top:.5rem;padding-top:.75rem;color:var(--terra-lt);font-family:var(--ff-d);font-size:1rem;font-weight:600}

/* Hero band */
.hero-band{position:relative;z-index:1;background:var(--terra);padding:.9rem 0}
.hero-band-inner{display:flex;align-items:center;gap:.75rem;font-size:.72rem;color:rgba(255,255,255,.85);letter-spacing:.03em;line-height:1.6}
.hero-band strong{color:#fff}

/* ── Compliance bar ── */
.compliance-bar{background:var(--paper-2);border-bottom:1px solid var(--stone-lt);padding:.85rem 0}
.compliance-inner{display:flex;align-items:flex-start;gap:.75rem}
.compliance-text{font-size:.72rem;color:var(--mid);line-height:1.65}
.compliance-text strong{color:var(--ink)}

/* ── Sections ── */
.section{padding:96px 0}
.section-sm{padding:60px 0}
.section-dark{background:var(--ink-2)}
.section-paper{background:var(--paper)}
.section-cream{background:var(--cream)}

.section-eyebrow{display:flex;align-items:center;gap:.75rem;font-size:.67rem;letter-spacing:.2em;text-transform:uppercase;color:var(--terra);margin-bottom:1rem;font-family:var(--ff-b)}
.section-eyebrow::before{content:'';display:block;width:24px;height:1px;background:var(--terra)}
h2.section-title{font-family:var(--ff-d);font-size:clamp(2rem,3.5vw,2.8rem);font-weight:800;color:var(--ink);line-height:1.1;letter-spacing:-.02em}
.section-dark h2.section-title{color:var(--paper)}
h2.section-title em{font-style:italic;color:var(--terra);font-weight:400}
.section-subtitle{font-size:.93rem;color:var(--mid);line-height:1.85;margin-top:.85rem;max-width:540px;font-weight:300}
.section-dark .section-subtitle{color:rgba(245,243,239,.5)}

/* ── Services grid ── */
.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1px solid var(--stone-lt);border-radius:var(--r2);overflow:hidden}
.service-card{padding:2.25rem;border-right:1px solid var(--stone-lt);border-bottom:1px solid var(--stone-lt);background:var(--white);transition:background .2s;cursor:pointer}
.service-card:nth-child(3n){border-right:none}
.service-card:nth-child(n+4){border-bottom:none}
.service-card:hover{background:var(--paper)}
.service-card:hover .sc-arrow{transform:translateX(4px)}
.sc-num{font-family:var(--ff-d);font-size:3rem;font-weight:800;color:var(--stone-lt);line-height:1;margin-bottom:1rem;transition:color .2s}
.sc-num-accent{font-size:1rem;color:var(--terra);font-family:var(--ff-b);font-weight:600;vertical-align:super}
.sc-title{font-family:var(--ff-d);font-size:1.15rem;font-weight:700;color:var(--ink);margin-bottom:.6rem;line-height:1.2}
.sc-desc{font-size:.83rem;color:var(--mid);line-height:1.75;margin-bottom:1.2rem;font-weight:300}
.sc-arrow{font-size:.72rem;color:var(--terra);letter-spacing:.06em;text-transform:uppercase;transition:transform .2s;display:inline-flex;align-items:center;gap:6px}

/* ── Process ── */
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.process-step{padding:2.5rem 2.5rem 2.5rem 0;border-right:1px solid var(--stone-lt)}
.process-step:last-child{border-right:none;padding-right:0}
.process-step + .process-step{padding-left:2.5rem}
.ps-num{font-family:var(--ff-d);font-size:4rem;font-weight:800;line-height:.9;color:var(--stone-lt);margin-bottom:1.25rem}
.ps-title{font-family:var(--ff-d);font-size:1.05rem;font-weight:700;color:var(--ink);margin-bottom:.6rem}
.ps-text{font-size:.82rem;color:var(--mid);line-height:1.75;font-weight:300}

/* ── Rep example ── */
.rep-block{background:var(--ink);border-radius:var(--r2);padding:2.5rem;position:relative;overflow:hidden}
.rep-block::before{content:'';position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--terra)}
.rep-block-title{font-family:var(--ff-d);font-size:1.2rem;color:var(--paper);margin-bottom:1.75rem;display:flex;align-items:center;gap:1rem}
.rep-block-title::after{content:'Art. 121 T.U.B.';font-family:var(--ff-b);font-size:.63rem;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.22);margin-left:auto}
.rep-table{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem;margin-bottom:1.5rem}
.rep-cell{padding:.9rem 1rem;background:rgba(255,255,255,.05);border-radius:var(--r);border-left:2px solid rgba(255,255,255,.06);transition:border-color .2s}
.rep-cell:hover{border-left-color:var(--terra)}
.rep-val{font-family:var(--ff-d);font-size:1.35rem;font-weight:700;color:var(--paper);line-height:1}
.rep-lbl{font-size:.63rem;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.35);margin-top:.4rem}
.rep-legal{font-size:.7rem;color:rgba(255,255,255,.28);line-height:1.75;border-top:1px solid rgba(255,255,255,.07);padding-top:1rem}

/* ── Stats ── */
.stats-row{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--stone-lt);border-bottom:1px solid var(--stone-lt)}
.stat-item{padding:2.5rem 2rem;border-right:1px solid var(--stone-lt);text-align:center}
.stat-item:last-child{border-right:none}
.stat-num{font-family:var(--ff-d);font-size:clamp(2rem,3.5vw,3rem);font-weight:800;color:var(--ink);line-height:1}
.stat-num-terra{color:var(--terra)}
.stat-lbl{font-size:.63rem;letter-spacing:.12em;text-transform:uppercase;color:var(--stone);margin-top:.6rem}

/* ── FAQ ── */
.faq-item{border-bottom:1px solid var(--stone-lt)}
.faq-item:first-child{border-top:1px solid var(--stone-lt)}
.faq-q{display:flex;justify-content:space-between;align-items:center;padding:1.4rem 0;cursor:pointer;user-select:none;transition:color .2s}
.faq-q:hover{color:var(--terra)}
.faq-q-text{font-family:var(--ff-d);font-size:1rem;font-weight:600;line-height:1.3}
.faq-q-icon{width:24px;height:24px;border:1px solid var(--stone-lt);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.7rem;color:var(--terra);flex-shrink:0;margin-left:1.5rem;transition:all .2s}
.faq-item.open .faq-q-icon{background:var(--terra);color:var(--white);border-color:var(--terra);transform:rotate(45deg)}
.faq-a{display:none;padding:0 0 1.4rem;font-size:.88rem;color:var(--mid);line-height:1.85;max-width:680px;font-weight:300}
.faq-a a{color:var(--terra);text-decoration:underline}
.faq-item.open .faq-a{display:block}

/* ── Forms ── */
.form-card{background:var(--white);border:1px solid var(--stone-lt);border-radius:var(--r2);padding:2.5rem;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem}
.form-group{display:flex;flex-direction:column;gap:.4rem}
.form-group.full{grid-column:1/-1}
.form-group label{font-size:.63rem;letter-spacing:.1em;text-transform:uppercase;color:var(--mid);font-weight:600}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:.8rem 1rem;border:1px solid var(--stone-lt);border-radius:var(--r);font-family:var(--ff-b);font-size:.9rem;color:var(--ink);background:var(--white);transition:border-color .2s}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--terra);box-shadow:0 0 0 3px rgba(184,92,44,.08)}
.form-group textarea{resize:vertical;min-height:110px}
.form-check{display:flex;align-items:flex-start;gap:10px;font-size:.82rem;color:var(--mid);line-height:1.65;font-weight:300}
.form-check input[type=checkbox]{margin-top:3px;width:15px;height:15px;accent-color:var(--terra);flex-shrink:0}
.form-check a{color:var(--terra);text-decoration:underline}
.form-section-label{font-size:.63rem;letter-spacing:.14em;text-transform:uppercase;color:var(--stone);padding-bottom:.6rem;border-bottom:1px solid var(--stone-lt);margin-bottom:.25rem}

/* ── Page hero ── */
.page-hero{background:var(--ink);padding:96px 0 64px;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;bottom:0;left:0;right:0;height:1px;background:linear-gradient(90deg,var(--terra) 0%,transparent 50%)}
.page-hero .container{position:relative;z-index:1}
.breadcrumb{display:flex;gap:.5rem;align-items:center;font-size:.63rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.3);margin-bottom:1.25rem;flex-wrap:wrap}
.breadcrumb a{color:rgba(255,255,255,.35)}
.breadcrumb a:hover{color:var(--terra-lt)}
.breadcrumb .sep{color:rgba(255,255,255,.2)}
.page-hero h1{font-family:var(--ff-d);font-size:clamp(2.2rem,5vw,3.8rem);font-weight:800;color:var(--paper);line-height:1.05;letter-spacing:-.025em}
.page-hero .subtitle{color:rgba(245,243,239,.5);font-size:.93rem;margin-top:.85rem;max-width:520px;font-weight:300}

/* Loan badges */
.loan-badges{display:inline-flex;margin-top:2rem;border:1px solid rgba(255,255,255,.1);border-radius:var(--r);overflow:hidden}
.loan-badge-item{padding:.75rem 1.5rem;border-right:1px solid rgba(255,255,255,.1);font-size:.7rem;color:rgba(255,255,255,.45);letter-spacing:.04em}
.loan-badge-item:last-child{border-right:none}
.loan-badge-item strong{display:block;font-family:var(--ff-d);font-size:1.15rem;font-weight:700;color:var(--terra-lt);line-height:1;margin-bottom:.2rem}

/* ── Boxes ── */
.info-box{background:var(--terra-pale);border-left:2px solid var(--terra);padding:1rem 1.25rem;font-size:.82rem;color:var(--ink-3);line-height:1.7;font-weight:300}
.info-box strong{color:var(--terra-dk)}
.notice{background:#fef8f0;border-left:2px solid #e6a217;padding:.9rem 1.1rem;font-size:.82rem;color:#7a4f00;line-height:1.7;font-weight:300}
.notice-ink{background:rgba(14,13,11,.04);border-left:2px solid var(--ink);padding:.9rem 1.1rem;font-size:.82rem;color:var(--ink-3);line-height:1.7;font-weight:300}

/* ── Contact ── */
.contact-item{display:flex;gap:1.25rem;align-items:flex-start;padding:1.5rem 0;border-bottom:1px solid var(--stone-lt)}
.contact-item:last-child{border-bottom:none}
.contact-icon{width:44px;height:44px;background:var(--terra-pale);border:1px solid var(--terra-bdr);border-radius:var(--r);display:flex;align-items:center;justify-content:center;font-size:1rem;flex-shrink:0}
.contact-label{font-size:.63rem;letter-spacing:.1em;text-transform:uppercase;color:var(--stone);margin-bottom:.3rem}
.contact-val{font-family:var(--ff-d);font-size:1.05rem;color:var(--ink)}
.contact-val a{color:var(--terra);transition:color .2s}
.contact-val a:hover{color:var(--terra-dk)}
.contact-sub{font-size:.8rem;color:var(--mid);margin-top:.2rem;font-weight:300}

/* ── Cookie ── */
.cookie-banner{position:fixed;bottom:0;left:0;right:0;z-index:9999;background:var(--ink);border-top:2px solid var(--terra);padding:1.25rem 1.5rem;display:none}
.cookie-banner.show{display:block}
.cookie-inner{max-width:var(--max-w);margin:0 auto;display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap}
.cookie-text{flex:1;font-size:.78rem;color:rgba(255,255,255,.58);line-height:1.65;min-width:200px;font-weight:300}
.cookie-text a{color:var(--terra-lt);text-decoration:underline}
.cookie-btns{display:flex;gap:.75rem;flex-shrink:0}

/* ── Footer ── */
.footer{background:var(--ink);color:rgba(255,255,255,.45)}
.footer-top{padding:64px 0 48px;display:grid;grid-template-columns:2fr 1fr 1fr 1.4fr;gap:3.5rem;border-bottom:1px solid rgba(255,255,255,.07)}
.footer-brand-logo{margin-bottom:1rem}
.footer-brand-logo img{height:48px;
  
  /* filter:brightness(0) invert(1);opacity:.75 */ } 
.footer-brand-desc{font-size:.82rem;line-height:1.85;max-width:260px;font-weight:300;color:rgba(255,255,255,.35);margin-bottom:1.5rem}
.footer-contact-row{display:flex;align-items:center;gap:8px;font-size:.8rem;margin-bottom:.5rem;color:rgba(255,255,255,.42)}
.footer-contact-row a{color:rgba(255,255,255,.52)}
.footer-contact-row a:hover{color:var(--terra-lt)}
.footer-col-head{font-size:.62rem;letter-spacing:.15em;text-transform:uppercase;color:rgba(255,255,255,.22);margin-bottom:1.2rem}
.footer-links{display:flex;flex-direction:column;gap:.5rem}
.footer-links a{font-size:.82rem;color:rgba(255,255,255,.38);transition:all .2s;font-weight:300}
.footer-links a:hover{color:var(--terra-lt);padding-left:4px}
.footer-compliance{font-size:.7rem;line-height:1.8;color:rgba(255,255,255,.25);font-weight:300}
.footer-bottom{padding:1.25rem 0;display:flex;justify-content:space-between;align-items:center;font-size:.7rem;letter-spacing:.04em;color:rgba(255,255,255,.2);flex-wrap:wrap;gap:.5rem}
.footer-bottom a{color:rgba(255,255,255,.26)}
.footer-bottom a:hover{color:var(--terra-lt)}
.footer-flag{display:flex;gap:3px;align-items:center}
.footer-flag span{width:7px;height:7px;border-radius:50%}

/* ── Layout classes (responsive grids) ── */
.layout-services-intro{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:end;margin-bottom:3.5rem}
.layout-dark-section{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center}
.layout-faq{display:grid;grid-template-columns:1fr 2fr;gap:5rem}
.layout-cta{display:grid;grid-template-columns:1fr auto;gap:3rem;align-items:center}
.layout-cta-actions{display:flex;flex-direction:column;gap:.75rem;flex-shrink:0}
.layout-form-2col{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}
.layout-form-sidebar{display:grid;grid-template-columns:1fr 360px;gap:3rem;align-items:start}
.form-sticky-sidebar{position:sticky;top:100px}

/* ── Utilities ── */
.text-center{text-align:center}
.text-terra{color:var(--terra)}
.mt-1{margin-top:.5rem}.mt-2{margin-top:1rem}.mt-3{margin-top:1.5rem}.mt-4{margin-top:2rem}.mt-5{margin-top:2.5rem}
.mb-1{margin-bottom:.5rem}.mb-2{margin-bottom:1rem}.mb-3{margin-bottom:1.5rem}
.flex{display:flex}.items-center{align-items:center}.justify-between{justify-content:space-between}.gap-2{gap:1rem}
.divider{width:40px;height:2px;background:var(--terra);margin:1.5rem 0}

/* ── Animations ── */
@keyframes fadeUp{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:translateY(0)}}
.anim-fade-up{animation:fadeUp .7s cubic-bezier(.22,1,.36,1) both}
.anim-fade-up-2{animation:fadeUp .7s .12s cubic-bezier(.22,1,.36,1) both}
.anim-fade-up-3{animation:fadeUp .7s .24s cubic-bezier(.22,1,.36,1) both}

/* ── Responsive ── */
@media(max-width:1024px){
  .layout-form-sidebar{grid-template-columns:1fr;gap:2rem}
  .form-sticky-sidebar{position:static}
  .hero-layout{grid-template-columns:1fr;gap:3rem}
  .hero-calc{transform:none;max-width:480px}
  .footer-top{grid-template-columns:1fr 1fr}
  .process-grid{grid-template-columns:1fr 1fr}
  .process-step{border-right:none;border-bottom:1px solid var(--stone-lt);padding:2rem 0}
  .process-step + .process-step{padding-left:0}
  .rep-table{grid-template-columns:repeat(2,1fr)}
  .stats-row{grid-template-columns:repeat(2,1fr)}
  .stat-item:nth-child(2){border-right:none}
  .stat-item:nth-child(3){border-right:1px solid var(--stone-lt)}
  .services-grid{grid-template-columns:repeat(2,1fr)}
  .service-card:nth-child(2n){border-right:none}
  .service-card:nth-child(3n){border-right:1px solid var(--stone-lt)}
  .service-card:nth-child(n+4){border-bottom:1px solid var(--stone-lt)}
  .service-card:nth-child(n+5){border-bottom:none}
}
@media(max-width:768px){
  .topbar{display:none}
  .hero{padding:80px 0 0;min-height:unset}
  .hero h1{font-size:2.4rem}
  .nav,.header-actions .btn-primary{display:none}
  .mobile-toggle{display:flex}
  .container{padding:0 20px}
  h2.section-title{font-size:1.9rem}
  .page-hero h1{font-size:2rem}
  .footer-top{grid-template-columns:1fr;gap:2rem}
  .services-grid{grid-template-columns:1fr}
  .service-card{border-right:none}
  .rep-table{grid-template-columns:1fr}
  .stats-row{grid-template-columns:repeat(2,1fr)}
  .hero-metrics{gap:2rem}
  .form-grid{grid-template-columns:1fr}
  .loan-badges{flex-direction:column;display:flex}
  .loan-badge-item{border-right:none;border-bottom:1px solid rgba(255,255,255,.1)}
  .layout-services-intro,.layout-dark-section,.layout-faq,.layout-cta,.layout-form-2col{grid-template-columns:1fr;gap:2rem}
  .layout-services-intro{margin-bottom:2rem}
  .layout-cta-actions{flex-direction:row;flex-wrap:wrap}
}
@media(max-width:480px){
  .hero h1{font-size:2rem}
  .form-card{padding:1.5rem}
  .stats-row{grid-template-columns:1fr}
  .stat-item{border-right:none}
  .process-grid{grid-template-columns:1fr}
}