/* ===== Kyburg Finance — Design System ===== */
:root {
  --navy-900: #081228;
  --navy-800: #0c1c3e;
  --navy-700: #10285a;
  --navy-600: #16336e;
  --navy-100: #e7ebf3;
  --navy-50: #f4f6fa;
  --gold: #c9a768;
  --gold-dark: #a9884f;
  --white: #ffffff;
  --gray-600: #5b6577;
  --gray-400: #9aa3b5;
  --border: #e1e5ee;

  --font-head: "Bahnschrift", "Barlow Semi Condensed", "Segoe UI", sans-serif;
  --font-body: "Bahnschrift", "Barlow Semi Condensed", "Segoe UI", sans-serif;

  --radius: 10px;
  --shadow: 0 10px 30px rgba(8, 18, 40, 0.08);
  --shadow-lg: 0 20px 50px rgba(8, 18, 40, 0.16);
  --container: 1180px;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--navy-900);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

a { text-decoration: none; color: inherit; }

ul { list-style: none; }

h1, h2, h3, h4 {
  font-family: var(--font-head);
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy-900);
}

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 96px 0; }
.section--tight { padding: 64px 0; }
.section--navy { background: var(--navy-800); color: var(--white); }
.section--navy h2, .section--navy h3 { color: var(--white); }
.section--alt { background: var(--navy-50); }

.eyebrow {
  display: inline-block;
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 14px;
}
.section--navy .eyebrow { color: var(--gold); }

.section-heading { max-width: 620px; margin-bottom: 48px; }
.section-heading h2 { font-size: 34px; margin-bottom: 14px; }
.section-heading p { color: var(--gray-600); font-size: 17px; }
.section--navy .section-heading p { color: var(--navy-100); }
.section-heading.center { margin-left: auto; margin-right: auto; text-align: center; }

/* Buttons */
.btn {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 30px;
  border-radius: 8px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 15px;
  letter-spacing: 0.3px;
  transition: all 0.25s ease;
  border: 1px solid transparent;
  cursor: pointer;
  overflow: hidden;
  isolation: isolate;
}
.btn::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, transparent 20%, rgba(255,255,255,0.35) 50%, transparent 80%);
  transform: translateX(-120%);
  transition: transform 0.6s ease;
  z-index: -1;
}
.btn:hover::after { transform: translateX(120%); }
.btn--gold {
  background: linear-gradient(135deg, #d9bc82, var(--gold) 55%, var(--gold-dark));
  color: var(--navy-900);
  box-shadow: 0 8px 20px rgba(169, 136, 79, 0.35);
}
.btn--gold:hover { transform: translateY(-3px); box-shadow: 0 14px 28px rgba(169, 136, 79, 0.45); }
.btn--outline {
  border-color: rgba(255,255,255,0.4);
  color: var(--white);
}
.btn--outline:hover { background: rgba(255,255,255,0.1); border-color: var(--gold); transform: translateY(-3px); }
.btn--navy-outline {
  border-color: var(--navy-700);
  color: var(--navy-800);
}
.btn--navy-outline:hover { background: var(--navy-800); color: var(--white); transform: translateY(-3px); box-shadow: var(--shadow); }

/* ===== Header ===== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow 0.3s ease;
}
.site-header.scrolled { box-shadow: 0 8px 24px rgba(8,18,40,0.08); }
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 84px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand img { height: 48px; width: auto; }
.brand span {
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 19px;
  color: var(--navy-900);
  letter-spacing: 0.2px;
}

.nav-links {
  display: flex;
  gap: 38px;
  align-items: center;
}
.nav-links a {
  font-family: var(--font-head);
  font-size: 15px;
  font-weight: 500;
  color: var(--navy-800);
  position: relative;
  padding: 6px 0;
  transition: color 0.2s ease;
}
.nav-links a:hover { color: var(--gold-dark); }
.nav-links a.active { color: var(--gold-dark); }
.nav-links a.active::after,
.nav-links a:hover::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -4px;
  height: 2px;
  background: var(--gold);
}

.header-actions { display: flex; align-items: center; gap: 20px; }
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span {
  width: 24px; height: 2px; background: var(--navy-900);
}

/* ===== Hero ===== */
.hero {
  position: relative;
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 100%);
  color: var(--white);
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 85% 20%, rgba(201,167,104,0.16) 0%, transparent 45%),
    radial-gradient(circle at 10% 90%, rgba(255,255,255,0.07) 0%, transparent 40%),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='84' height='96' viewBox='0 0 84 96'%3E%3Cpath d='M42 0 84 24V72L42 96 0 72V24Z' fill='none' stroke='%23ffffff' stroke-opacity='0.05' stroke-width='1'/%3E%3C/svg%3E");
  background-position: 0 0, 0 0, 0 0;
  background-repeat: no-repeat, no-repeat, repeat;
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute;
  right: -120px; top: -120px;
  width: 420px; height: 420px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,167,104,0.25), transparent 70%);
  filter: blur(10px);
  pointer-events: none;
}
.hero h1 em {
  font-style: normal;
  background: linear-gradient(90deg, var(--gold) 0%, #f0dfb8 50%, var(--gold) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.hero .container {
  position: relative;
  padding-top: 120px;
  padding-bottom: 120px;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 60px;
  align-items: center;
}
.hero-content .eyebrow { color: var(--gold); }
.hero h1 {
  color: var(--white);
  font-size: 48px;
  line-height: 1.15;
  margin-bottom: 22px;
}
.hero p {
  color: var(--navy-100);
  font-size: 18px;
  max-width: 520px;
  margin-bottom: 36px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

.hero-visual {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 16px;
  padding: 40px;
  backdrop-filter: blur(4px);
}
.hero-visual img {
  filter: drop-shadow(0 20px 40px rgba(0,0,0,0.35));
}
.hero-stats {
  margin-top: 28px;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}
.hero-stats div { text-align: center; }
.hero-stats strong {
  display: block;
  font-family: var(--font-head);
  font-size: 26px;
  color: var(--gold);
}
.hero-stats span { font-size: 13px; color: var(--navy-100); }

/* ===== Hero dashboard mockup ===== */
.hero-dashboard { position: relative; padding: 30px 26px 66px; }
.dashboard-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: 18px;
  padding: 30px;
  backdrop-filter: blur(8px);
  box-shadow: 0 30px 70px rgba(0,0,0,0.4);
}
.dashboard-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 26px;
  padding-bottom: 20px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.dashboard-brand { display: flex; align-items: center; gap: 10px; }
.dashboard-brand img {
  height: 30px; width: 30px; object-fit: cover;
  border-radius: 7px; background: var(--white); padding: 2px;
}
.dashboard-brand span { font-family: var(--font-head); font-weight: 600; color: var(--white); font-size: 14px; }
.dashboard-pill {
  font-size: 11px;
  font-family: var(--font-head);
  font-weight: 600;
  letter-spacing: 0.4px;
  color: #8ee6b0;
  background: rgba(94,214,140,0.15);
  padding: 6px 12px;
  border-radius: 20px;
  display: flex; align-items: center; gap: 6px;
}
.dashboard-pill::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: #5ed68c; }

.dashboard-metric { margin-bottom: 24px; display: flex; align-items: baseline; gap: 10px; flex-wrap: wrap; }
.dashboard-metric .metric-block span.label {
  display: block; font-size: 11.5px; color: var(--navy-100);
  text-transform: uppercase; letter-spacing: 1px; margin-bottom: 6px;
}
.dashboard-metric strong { font-family: var(--font-head); font-size: 32px; color: var(--white); }
.dashboard-metric .delta { color: #5ed68c; font-size: 13px; font-weight: 600; }

.chart-bars { display: flex; align-items: flex-end; gap: 9px; height: 100px; }
.chart-bars .bar {
  flex: 1;
  border-radius: 6px 6px 2px 2px;
  background: linear-gradient(180deg, rgba(201,167,104,0.95), rgba(201,167,104,0.2));
  transform-origin: bottom;
  animation: growUp 1s cubic-bezier(.2,.8,.2,1) forwards;
  animation-delay: calc(var(--i) * 0.08s);
  transform: scaleY(0);
}
.chart-bars .bar.alt {
  background: linear-gradient(180deg, rgba(255,255,255,0.55), rgba(255,255,255,0.08));
}

@keyframes growUp { to { transform: scaleY(1); } }

.floating-badge {
  position: absolute;
  background: var(--white);
  color: var(--navy-900);
  border-radius: 12px;
  padding: 14px 18px;
  display: flex; align-items: center; gap: 12px;
  box-shadow: 0 18px 36px rgba(8,18,40,0.3);
  animation: floatY 5s ease-in-out infinite;
  max-width: 210px;
}
.floating-badge .icon-circle {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--navy-900);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.floating-badge .icon-circle svg { width: 17px; height: 17px; stroke: var(--gold); }
.floating-badge strong { display: block; font-family: var(--font-head); font-size: 15px; line-height: 1.2; }
.floating-badge span { font-size: 12px; color: var(--gray-600); }

.floating-badge--top { top: -20px; left: -18px; animation-delay: 0.3s; }
.floating-badge--bottom { bottom: -20px; right: -18px; animation-delay: 1.1s; }

@keyframes floatY {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-9px); }
}

@media (max-width: 720px) {
  .floating-badge { display: none; }
}

/* ===== Trust bar ===== */
.trust-bar {
  background: var(--navy-50);
  border-bottom: 1px solid var(--border);
  padding: 22px 0;
}
.trust-bar .container {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
  align-items: center;
}
.trust-bar p {
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--gray-400);
}
.trust-list { display: flex; gap: 40px; flex-wrap: wrap; }
.trust-list span {
  font-family: var(--font-head);
  font-weight: 600;
  color: var(--navy-700);
  font-size: 15px;
}

/* ===== Cards / Grids ===== */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

.card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 36px 30px;
  overflow: hidden;
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}
.card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s ease;
}
.card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.card:hover::before { transform: scaleX(1); }
.card-icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-900));
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 22px;
  transition: transform 0.35s ease;
}
.card:hover .card-icon { transform: rotate(-6deg) scale(1.05); }
.card-icon svg { width: 24px; height: 24px; stroke: var(--gold); }
.card h3 { font-size: 19px; margin-bottom: 10px; }
.card p { color: var(--gray-600); font-size: 15px; }
.card a.card-link {
  display: inline-block;
  margin-top: 16px;
  font-family: var(--font-head);
  font-size: 14px;
  font-weight: 600;
  color: var(--navy-800);
  border-bottom: 1px solid var(--gold);
  transition: gap 0.2s ease, color 0.2s ease;
}
.card a.card-link:hover { color: var(--gold-dark); }

.stat-box {
  text-align: center;
  padding: 30px 10px;
  border-right: 1px solid rgba(255,255,255,0.12);
}
.stat-box:last-child { border-right: none; }
.stat-box strong {
  display: block;
  font-family: var(--font-head);
  font-size: 38px;
  color: var(--gold);
  margin-bottom: 8px;
}
.stat-box span { color: var(--navy-100); font-size: 14px; }

/* ===== Testimonial ===== */
.testimonial {
  position: relative;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 44px 40px 40px;
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}
.testimonial::before {
  content: "\201C";
  position: absolute;
  top: -18px; left: 20px;
  font-family: Georgia, serif;
  font-size: 130px;
  line-height: 1;
  color: var(--navy-50);
  z-index: 0;
}
.testimonial p.quote {
  position: relative;
  z-index: 1;
  font-family: var(--font-head);
  font-size: 20px;
  color: var(--navy-900);
  margin-bottom: 22px;
}
.testimonial .author { display: flex; align-items: center; gap: 14px; }
.author-avatar {
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--navy-800);
  color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-weight: 700;
}
.author strong { display: block; font-size: 15px; }
.author span { color: var(--gray-600); font-size: 13px; }

/* ===== CTA banner ===== */
.cta-banner {
  background: linear-gradient(120deg, var(--navy-800), var(--navy-700));
  border-radius: 16px;
  padding: 60px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 30px;
  flex-wrap: wrap;
  color: var(--white);
}
.cta-banner h3 { color: var(--white); font-size: 28px; margin-bottom: 8px; }
.cta-banner p { color: var(--navy-100); }

/* ===== Page hero (inner pages) ===== */
.page-hero {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  color: var(--white);
  padding: 80px 0 70px;
}
.page-hero .eyebrow { color: var(--gold); }
.page-hero h1 { color: var(--white); font-size: 40px; margin-bottom: 14px; }
.page-hero p { color: var(--navy-100); max-width: 600px; font-size: 17px; }
.breadcrumb {
  display: flex; gap: 8px; font-size: 14px;
  color: var(--navy-100); margin-top: 22px;
}
.breadcrumb a { color: var(--gold); }

/* ===== Values / Timeline (About page) ===== */
.value-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.value-item { display: flex; gap: 18px; }
.value-item .num {
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 22px;
  color: var(--gold-dark);
  min-width: 36px;
}
.value-item h4 { font-size: 17px; margin-bottom: 6px; }
.value-item p { color: var(--gray-600); font-size: 14.5px; }

.team-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.team-card { text-align: center; transition: transform 0.3s ease; }
.team-card:hover { transform: translateY(-6px); }
.team-photo {
  position: relative;
  width: 100%;
  aspect-ratio: 1;
  border-radius: var(--radius);
  background: linear-gradient(150deg, var(--navy-700), var(--navy-900));
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  font-family: var(--font-head);
  font-size: 34px;
  font-weight: 700;
  margin-bottom: 16px;
  overflow: hidden;
  box-shadow: 0 14px 30px rgba(8,18,40,0.18);
}
.team-photo img { width: 100%; height: 100%; object-fit: cover; }
.team-card h4 { font-size: 17px; margin-bottom: 4px; }
.team-card span { color: var(--gold-dark); font-size: 13px; font-weight: 600; }

/* ===== Services page ===== */
.service-detail {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  padding: 56px 0;
  border-bottom: 1px solid var(--border);
}
.service-detail:last-child { border-bottom: none; }
.service-detail.reverse .service-media { order: 2; }
.service-media {
  position: relative;
  background:
    radial-gradient(circle at 30% 20%, rgba(201,167,104,0.12), transparent 55%),
    var(--navy-50);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 46px;
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
}
.service-media::before {
  content: "";
  position: absolute;
  width: 220px; height: 220px;
  border-radius: 50%;
  border: 1px dashed rgba(16,40,90,0.15);
}
.service-media-icon {
  position: relative;
  width: 132px; height: 132px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-900));
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 20px 40px rgba(8,18,40,0.18);
}
.service-media svg { width: 56px; height: 56px; stroke: var(--gold); position: relative; }
.service-copy .eyebrow { color: var(--gold-dark); }
.service-copy h3 { font-size: 26px; margin-bottom: 14px; }
.service-copy p { color: var(--gray-600); margin-bottom: 18px; }
.service-copy ul li {
  position: relative;
  padding-left: 26px;
  margin-bottom: 10px;
  color: var(--navy-800);
  font-size: 15px;
}
.service-copy ul li::before {
  content: "✓";
  position: absolute; left: 0; top: 0;
  color: var(--gold-dark);
  font-weight: 700;
}

/* ===== Contact page ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 60px;
}
.contact-info-item {
  display: flex; gap: 16px;
  margin-bottom: 28px;
  padding: 14px;
  border-radius: 10px;
  transition: background 0.25s ease, transform 0.25s ease;
}
.contact-info-item:hover { background: var(--navy-50); transform: translateX(4px); }
.contact-info-item .icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-900));
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.contact-info-item .icon svg { width: 20px; height: 20px; stroke: var(--gold); }
.contact-info-item h4 { font-size: 15px; margin-bottom: 4px; }
.contact-info-item p { color: var(--gray-600); font-size: 14.5px; }

.contact-form {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-family: var(--font-head);
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--navy-800);
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 13px 14px;
  border: 1px solid var(--border);
  border-radius: 6px;
  font-family: var(--font-body);
  font-size: 14.5px;
  background: var(--navy-50);
  transition: border-color 0.2s ease;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--gold-dark);
  background: var(--white);
}
.form-group textarea { resize: vertical; min-height: 130px; }

.map-block {
  margin-top: 40px;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--border);
  height: 260px;
}
.map-block iframe { width: 100%; height: 100%; border: 0; }

/* ===== Footer ===== */
.site-footer {
  background: var(--navy-900);
  color: var(--navy-100);
  padding-top: 70px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 50px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; }
.footer-brand img { height: 40px; }
.footer-brand span { font-family: var(--font-head); font-weight: 700; color: var(--white); font-size: 17px; }
.site-footer p { font-size: 14px; color: var(--navy-100); line-height: 1.7; }
.site-footer h4 {
  color: var(--white);
  font-size: 14px;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.footer-links li { margin-bottom: 12px; }
.footer-links a { font-size: 14.5px; color: var(--navy-100); transition: color 0.2s ease; }
.footer-links a:hover { color: var(--gold); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  padding: 26px 0;
  font-size: 13px;
  color: var(--gray-400);
}
.footer-bottom a { color: var(--gray-400); }
.footer-bottom a:hover { color: var(--gold); }
.social-links { display: flex; gap: 12px; }
.social-links a {
  width: 36px; height: 36px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.15);
  display: flex; align-items: center; justify-content: center;
}
.social-links a:hover { border-color: var(--gold); }
.social-links svg { width: 16px; height: 16px; stroke: var(--navy-100); }

/* ===== Responsive ===== */
@media (max-width: 960px) {
  .hero .container { grid-template-columns: 1fr; }
  .hero-visual { order: -1; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-2 { grid-template-columns: 1fr; }
  .service-detail { grid-template-columns: 1fr; }
  .service-detail.reverse .service-media { order: 0; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .value-list { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 720px) {
  .nav-links, .header-actions .btn { display: none; }
  .nav-toggle { display: flex; }
  .site-header.nav-open .nav-links {
    display: flex;
    position: absolute;
    top: 84px; left: 0; right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 24px;
    border-bottom: 1px solid var(--border);
    gap: 18px;
  }
  .hero h1 { font-size: 34px; }
  .section { padding: 64px 0; }
  .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: repeat(2, 1fr); }
  .stat-box { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.12); padding-bottom: 20px; }
  .cta-banner { padding: 40px; text-align: center; justify-content: center; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .trust-bar .container { flex-direction: column; align-items: flex-start; }
}

/* ===== Scroll reveal ===== */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.in-view { opacity: 1; transform: translateY(0); }
.reveal-stagger.in-view .card,
.reveal-stagger.in-view .value-item,
.reveal-stagger.in-view .team-card,
.reveal-stagger.in-view .stat-box {
  animation: fadeUp 0.6s ease forwards;
}
.reveal-stagger .card:nth-child(1), .reveal-stagger .value-item:nth-child(1), .reveal-stagger .team-card:nth-child(1), .reveal-stagger .stat-box:nth-child(1) { animation-delay: 0s; }
.reveal-stagger .card:nth-child(2), .reveal-stagger .value-item:nth-child(2), .reveal-stagger .team-card:nth-child(2), .reveal-stagger .stat-box:nth-child(2) { animation-delay: 0.1s; }
.reveal-stagger .card:nth-child(3), .reveal-stagger .value-item:nth-child(3), .reveal-stagger .team-card:nth-child(3), .reveal-stagger .stat-box:nth-child(3) { animation-delay: 0.2s; }
.reveal-stagger .card:nth-child(4), .reveal-stagger .value-item:nth-child(4), .reveal-stagger .team-card:nth-child(4), .reveal-stagger .stat-box:nth-child(4) { animation-delay: 0.3s; }
.reveal-stagger .card,
.reveal-stagger .value-item,
.reveal-stagger .team-card,
.reveal-stagger .stat-box { opacity: 0; }
.reveal-stagger.in-view .card,
.reveal-stagger.in-view .value-item,
.reveal-stagger.in-view .team-card,
.reveal-stagger.in-view .stat-box { opacity: 1; }

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(22px); }
  to { opacity: 1; transform: translateY(0); }
}

@media (prefers-reduced-motion: reduce) {
  .reveal, .reveal-stagger .card, .reveal-stagger .value-item, .reveal-stagger .team-card, .reveal-stagger .stat-box {
    opacity: 1 !important; transform: none !important; animation: none !important;
  }
  .floating-badge, .chart-bars .bar { animation: none !important; transform: none !important; }
}

/* ===== Pain-Point-Banner (oben auf jeder Seite) ===== */
.pain-hero h1 { max-width: 760px; }
.pain-hero .pain-line {
  display: inline-block;
  font-family: var(--font-head);
  font-weight: 600;
  color: #f3d9a4;
  font-size: 18px;
  margin-bottom: 10px;
}
.pain-hero .hero-actions { margin-top: 28px; }

/* ===== Pakete ===== */
.package-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 30px;
  align-items: stretch;
}
.package-card { display: flex; flex-direction: column; }
.package-card .package-tag {
  display: inline-block;
  align-self: flex-start;
  font-family: var(--font-head);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--gold-dark);
  background: rgba(201,167,104,0.14);
  border: 1px solid rgba(201,167,104,0.4);
  padding: 5px 12px;
  border-radius: 20px;
  margin-bottom: 16px;
}
.check-list { margin: 16px 0 22px; }
.check-list li {
  position: relative;
  padding-left: 26px;
  margin-bottom: 10px;
  color: var(--navy-800);
  font-size: 15px;
}
.check-list li::before {
  content: "✓";
  position: absolute; left: 0; top: 0;
  color: var(--gold-dark);
  font-weight: 700;
}
.package-card .btn { margin-top: auto; justify-content: center; }

/* ===== Vorqualifizierung ===== */
.qualify-item {
  display: flex; gap: 16px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px 24px;
  margin-bottom: 16px;
  box-shadow: var(--shadow);
}
.qualify-item .icon {
  width: 42px; height: 42px; flex-shrink: 0;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-900));
  display: flex; align-items: center; justify-content: center;
}
.qualify-item .icon svg { width: 20px; height: 20px; stroke: var(--gold); }
.qualify-item h4 { font-size: 16px; margin-bottom: 4px; }
.qualify-item p { color: var(--gray-600); font-size: 14.5px; }

/* ===== Rechner (Lead-Formulare) ===== */
.calc-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow-lg);
}
.calc-step-2 { display: none; }
.calc-box.step2 .calc-step-2 { display: block; }
.calc-box.step2 .calc-cta { display: none; }
.calc-success {
  background: rgba(94,214,140,0.12);
  border: 1px solid rgba(94,214,140,0.5);
  border-radius: 8px;
  padding: 14px 18px;
  font-size: 14.5px;
  color: var(--navy-800);
  margin-bottom: 20px;
}

/* ===== Social Proof ===== */
.finma-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
  align-items: center;
  justify-content: center;
  background: var(--navy-50);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px 30px;
  margin-bottom: 48px;
}
.finma-bar .badge {
  display: flex; align-items: center; gap: 10px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 14.5px;
  color: var(--navy-800);
}
.finma-bar .badge svg { width: 20px; height: 20px; stroke: var(--gold-dark); flex-shrink: 0; }
.review-stars {
  color: var(--gold);
  font-size: 16px;
  letter-spacing: 2px;
  margin-bottom: 12px;
}
.review-card p.quote-sm {
  font-size: 15px;
  color: var(--navy-800);
  margin-bottom: 16px;
}

@media (max-width: 960px) {
  .package-grid { grid-template-columns: 1fr; }
}

/* ===== WhatsApp-Button ===== */
.wa-float {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 200;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: #25d366;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.25);
  transition: transform 0.2s ease;
}
.wa-float:hover { transform: scale(1.08); }
.wa-float svg { width: 30px; height: 30px; fill: #fff; }

/* ===== Page-hero pattern ===== */
.page-hero {
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 90% 10%, rgba(201,167,104,0.18) 0%, transparent 45%),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='84' height='96' viewBox='0 0 84 96'%3E%3Cpath d='M42 0 84 24V72L42 96 0 72V24Z' fill='none' stroke='%23ffffff' stroke-opacity='0.05' stroke-width='1'/%3E%3C/svg%3E");
  background-repeat: no-repeat, repeat;
  pointer-events: none;
}
.page-hero .container { position: relative; }