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

    :root {
      --navy: #0B1628;
      --navy-mid: #132035;
      --accent: #2563EB;
      --accent-hover: #1D4ED8;
      --accent-dark: #1E40AF;
      --accent-light: #EFF6FF;
      --accent-muted: #BFDBFE;
      --warm: #F59E0B;
      --warm-hover: #D97706;
      --warm-light: #FFFBEB;
      --savings: #10B981;
      --savings-light: #ECFDF5;
      --text: #0F172A;
      --text-secondary: #64748B;
      --border: #E2E8F0;
      --surface: #F8FAFC;
      --white: #FFFFFF;
      --red: #EF4444;
      --radius: 10px;
      --radius-lg: 16px;
      --radius-xl: 20px;
      --shadow: 0 1px 3px rgba(0,0,0,0.04), 0 4px 16px rgba(0,0,0,0.06);
      --shadow-lg: 0 4px 24px rgba(0,0,0,0.08);
      --shadow-xl: 0 12px 48px rgba(0,0,0,0.12);
      --max-width: 1280px;
      --font-display: 'Outfit', sans-serif;
      --font-serif: 'DM Serif Display', serif;
      --font-body: 'DM Sans', sans-serif;
    }

    html { scroll-behavior: smooth; }
    body {
      font-family: var(--font-body);
      color: var(--text);
      line-height: 1.6;
      background: var(--white);
      -webkit-font-smoothing: antialiased;
    }

    /* ═══ HERO ENTRANCE ═══ */
    @keyframes fadeInUp {
      from { opacity: 0; transform: translateY(24px); }
      to { opacity: 1; transform: translateY(0); }
    }
    @keyframes fadeInScale {
      from { opacity: 0; transform: translateY(20px) scale(0.98); }
      to { opacity: 1; transform: translateY(0) scale(1); }
    }
    .hero-text > * {
      opacity: 0; animation: fadeInUp 0.7s ease both;
    }
    .hero-text > *:nth-child(1) { animation-delay: 0.15s; }
    .hero-text > *:nth-child(2) { animation-delay: 0.3s; }
    .hero-text > *:nth-child(3) { animation-delay: 0.45s; }
    .hero-text > *:nth-child(4) { animation-delay: 0.6s; }
    .hero-text > *:nth-child(5) { animation-delay: 0.75s; }
    .calc-card { opacity: 0; animation: fadeInScale 0.9s ease both 0.35s; }

    /* ═══ NAV ═══ */
    .nav {
      position: fixed; top: 0; left: 0; right: 0; z-index: 100;
      background: rgba(11,22,40,0.92); backdrop-filter: blur(16px);
      transition: box-shadow 0.3s, background 0.3s;
    }
    .nav.scrolled { box-shadow: 0 1px 0 rgba(255,255,255,0.04), 0 4px 24px rgba(0,0,0,0.4); }
    .nav-inner {
      max-width: var(--max-width); margin: 0 auto;
      display: flex; align-items: center; justify-content: space-between;
      padding: 14px 24px;
    }
    .nav-logo {
      font-family: var(--font-display); font-size: 16px; font-weight: 700;
      color: rgba(255,255,255,0.55); text-decoration: none;
      display: flex; align-items: center; gap: 10px; letter-spacing: -0.3px;
    }
    .nav-logo span { color: var(--white); }
    .nav-logo .logo-mark {
      width: 30px; height: 30px; background: var(--accent); border-radius: 8px;
      display: flex; align-items: center; justify-content: center; flex-shrink: 0;
      box-shadow: 0 2px 8px rgba(37,99,235,0.3);
    }
    .nav-logo .logo-mark svg { width: 16px; height: 16px; color: var(--white); }
    .nav-links { display: flex; gap: 20px; align-items: center; }
    .nav-links a {
      color: rgba(255,255,255,0.55); text-decoration: none; font-size: 14px;
      font-weight: 500; transition: color 0.2s;
    }
    .nav-links a:hover { color: var(--white); }
    .nav-pages {
      display: flex; background: rgba(255,255,255,0.06); border-radius: 8px;
      border: 1px solid rgba(255,255,255,0.08); overflow: hidden;
    }
    .nav-pages a {
      padding: 7px 16px; font-size: 13px; font-weight: 600; color: rgba(255,255,255,0.5);
      text-decoration: none; transition: all 0.2s; white-space: nowrap;
    }
    .nav-pages a:hover { color: var(--white); background: rgba(255,255,255,0.04); }
    .nav-pages a.active {
      background: var(--accent); color: var(--white); border-radius: 7px;
    }
    .btn {
      display: inline-flex; align-items: center; justify-content: center;
      background: var(--accent); color: var(--white);
      padding: 10px 22px; border-radius: var(--radius);
      font-weight: 600; font-size: 14px; text-decoration: none;
      border: none; cursor: pointer; font-family: var(--font-body);
      transition: all 0.25s cubic-bezier(0.25,0.46,0.45,0.94);
    }
    .btn:hover { background: var(--accent-hover); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(37,99,235,0.35); }
    .btn-warm { background: var(--warm); color: var(--navy); }
    .btn-warm:hover { background: var(--warm-hover); box-shadow: 0 6px 20px rgba(245,158,11,0.35); }
    .btn-lg { padding: 16px 32px; font-size: 16px; font-weight: 700; border-radius: 12px; }
    .btn-full { width: 100%; }
    .hamburger {
      display: none; background: none; border: none; cursor: pointer;
      width: 28px; height: 28px; position: relative; z-index: 101;
    }
    .hamburger span {
      display: block; width: 20px; height: 2px; background: var(--white);
      position: absolute; left: 4px; transition: all 0.3s;
    }
    .hamburger span:nth-child(1) { top: 7px; }
    .hamburger span:nth-child(2) { top: 13px; }
    .hamburger span:nth-child(3) { top: 19px; }
    .hamburger.active span:nth-child(1) { top: 13px; transform: rotate(45deg); }
    .hamburger.active span:nth-child(2) { opacity: 0; }
    .hamburger.active span:nth-child(3) { top: 13px; transform: rotate(-45deg); }
    .mobile-menu {
      display: none; position: fixed; top: 0; right: -280px; width: 280px; height: 100vh;
      background: var(--navy); padding: 72px 28px 28px; z-index: 99;
      transition: right 0.3s ease; flex-direction: column; gap: 16px;
    }
    .mobile-menu.open { right: 0; display: flex; }
    .mobile-menu a {
      color: var(--white); text-decoration: none; font-size: 17px; font-weight: 500;
      padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.06);
    }
    .mobile-overlay { display: none; position: fixed; inset: 0; background: rgba(0,0,0,0.6); z-index: 98; }
    .mobile-overlay.open { display: block; }

    /* ═══ HERO ═══ */
    .hero {
      background: var(--navy);
      padding: 80px 24px 64px;
      min-height: 100vh;
      display: flex; align-items: center;
      position: relative; overflow: hidden;
    }
    .hero::before {
      content: ''; position: absolute; inset: 0;
      background-image: radial-gradient(rgba(255,255,255,0.03) 1px, transparent 1px);
      background-size: 32px 32px; pointer-events: none;
    }
    .hero::after {
      content: ''; position: absolute; top: -30%; right: -10%; width: 700px; height: 700px;
      background: radial-gradient(circle, rgba(37,99,235,0.08) 0%, transparent 65%);
      border-radius: 50%; pointer-events: none;
    }
    .hero-inner {
      max-width: var(--max-width); margin: 0 auto; width: 100%;
      display: grid; grid-template-columns: 1fr 1fr;
      gap: 56px; align-items: center; position: relative; z-index: 1;
    }
    .hero-text {}
    .hero-badge {
      display: inline-flex; align-items: center; gap: 6px;
      background: rgba(245,158,11,0.1); border: 1px solid rgba(245,158,11,0.25);
      color: var(--warm); padding: 6px 16px; border-radius: 50px;
      font-size: 12px; font-weight: 600; margin-bottom: 24px; letter-spacing: 0.3px;
    }
    .hero h1 {
      font-family: var(--font-serif); color: var(--white);
      font-size: clamp(32px, 4vw, 52px); font-weight: 400;
      line-height: 1.15; margin-bottom: 20px;
    }
    .hero h1 em {
      font-style: italic; color: var(--warm);
      text-decoration: underline; text-decoration-color: rgba(245,158,11,0.3);
      text-underline-offset: 6px; text-decoration-thickness: 2px;
    }
    .hero-sub {
      color: rgba(255,255,255,0.5); font-size: clamp(15px, 1.8vw, 17px);
      line-height: 1.7; margin-bottom: 28px; max-width: 420px;
    }
    .hero-stars {
      display: flex; align-items: center; gap: 10px; margin-bottom: 32px;
    }
    .hero-stars .stars { color: var(--warm); font-size: 16px; letter-spacing: 2px; }
    .hero-stars .stars-text { color: rgba(255,255,255,0.4); font-size: 13px; }
    .hero-banks {
      display: flex; flex-wrap: wrap; align-items: center; gap: 6px;
    }
    .hero-bank {
      display: flex; align-items: center; gap: 6px;
      background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.06);
      border-radius: 6px; padding: 5px 10px; font-size: 11px; font-weight: 600;
      color: rgba(255,255,255,0.45); transition: all 0.2s;
    }
    .hero-bank:hover { background: rgba(255,255,255,0.08); color: rgba(255,255,255,0.7); }
    .hero-bank img { width: 16px; height: 16px; border-radius: 3px; opacity: 0.7; }
    .hero-banks-more { font-size: 11px; color: rgba(255,255,255,0.25); padding-left: 2px; }

    /* ═══ CALC CARD ═══ */
    .calc-card {
      background: var(--white);
      border-radius: var(--radius-xl);
      padding: 32px 28px;
      box-shadow: var(--shadow-xl);
      position: relative;
      border-top: 3px solid var(--accent);
    }
    .calc-card-header { text-align: center; margin-bottom: 24px; }
    .calc-card-header h2 {
      font-family: var(--font-display); font-size: 19px; font-weight: 700; margin-bottom: 4px;
    }
    .calc-card-header p { font-size: 13px; color: var(--text-secondary); }
    .rates-updated { font-size: 11px; color: var(--text-secondary); text-align: center; margin-top: -12px; margin-bottom: 16px; }

    .calc-state { transition: opacity 0.35s ease, transform 0.35s ease; }
    .calc-state.hidden {
      opacity: 0; transform: translateY(-12px);
      position: absolute; pointer-events: none; top: 32px; left: 28px; right: 28px;
    }
    .calc-state.visible { opacity: 1; transform: translateY(0); position: relative; }

    /* ═══ INPUTS ═══ */
    .input-group { margin-bottom: 18px; }
    .input-group label {
      display: block; font-size: 13px; font-weight: 600; color: var(--text);
      margin-bottom: 6px;
    }
    .input-box {
      display: flex; align-items: center; gap: 2px;
      border: 1.5px solid var(--border); border-radius: var(--radius);
      padding: 11px 14px; background: var(--white);
      transition: border-color 0.2s, box-shadow 0.2s;
    }
    .input-box:focus-within {
      border-color: var(--accent);
      box-shadow: 0 0 0 3px rgba(37,99,235,0.1);
    }
    .input-box .prefix, .input-box .suffix {
      color: var(--text-secondary); font-weight: 600; font-size: 16px; user-select: none;
    }
    .input-box input[type="text"] {
      border: none; outline: none; background: transparent;
      font-size: 18px; font-weight: 700; width: 100%;
      font-family: var(--font-display); color: var(--text); padding: 0;
      font-variant-numeric: tabular-nums;
    }
    .input-box input[type="text"]::placeholder { color: var(--border); font-weight: 400; }

    input[type="range"] {
      -webkit-appearance: none; width: 100%; height: 4px;
      border-radius: 2px; outline: none; cursor: pointer;
      background: var(--border); margin-top: 8px;
    }
    input[type="range"]::-webkit-slider-thumb {
      -webkit-appearance: none; width: 20px; height: 20px;
      border-radius: 50%; background: var(--white);
      border: 2.5px solid var(--accent); box-shadow: 0 1px 4px rgba(0,0,0,0.12);
      cursor: pointer; transition: transform 0.15s, box-shadow 0.15s;
    }
    input[type="range"]::-webkit-slider-thumb:hover {
      transform: scale(1.2); box-shadow: 0 0 0 6px rgba(37,99,235,0.12);
    }
    input[type="range"]::-moz-range-thumb {
      width: 20px; height: 20px; border-radius: 50%; background: var(--white);
      border: 2.5px solid var(--accent); box-shadow: 0 1px 4px rgba(0,0,0,0.12);
      cursor: pointer;
    }

    .slider-range {
      display: flex; justify-content: space-between;
      font-size: 10px; color: var(--text-secondary); margin-top: 2px; padding: 0 2px;
    }
    .lvr-badge {
      display: inline-block; background: var(--accent-light);
      color: var(--accent-dark); font-size: 11px; font-weight: 600;
      padding: 2px 10px; border-radius: 50px; margin-top: 6px;
    }

    .toggle-pills {
      display: flex; border-radius: var(--radius); overflow: hidden;
      border: 1.5px solid var(--border); background: var(--surface);
    }
    .toggle-pill {
      flex: 1; padding: 10px 10px; text-align: center; font-size: 13px;
      font-weight: 600; cursor: pointer; transition: all 0.2s;
      background: transparent; color: var(--text-secondary); border: none;
      font-family: var(--font-body);
    }
    .toggle-pill.active { background: var(--accent); color: #fff; border-radius: 8px; }
    .toggle-pill:not(.active):hover { color: var(--text); }

    .link-sm {
      display: inline-block; font-size: 12px; color: var(--text-secondary);
      cursor: pointer; text-decoration: underline; text-decoration-color: var(--border);
      text-underline-offset: 2px; margin-top: 4px;
      transition: color 0.2s; background: none; border: none; font-family: inherit; padding: 0;
    }
    .link-sm:hover { color: var(--accent); text-decoration-color: var(--accent); }
    .info-msg {
      display: none; background: var(--accent-light); border-radius: 8px;
      padding: 10px 12px; font-size: 12px; color: var(--text-secondary); line-height: 1.5; margin-top: 6px;
    }
    .info-msg.show { display: block; }

    /* ═══ RESULTS ═══ */
    .rate-pills {
      display: flex; align-items: center; gap: 8px; justify-content: center; margin-bottom: 12px;
    }
    .rate-pill {
      text-align: center; padding: 12px 16px; background: var(--surface);
      border-radius: var(--radius); flex: 1;
    }
    .rate-pill .rp-label { font-size: 10px; color: var(--text-secondary); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 2px; }
    .rate-pill .rp-value { font-size: 24px; font-weight: 700; font-family: var(--font-display); }
    .rate-pill .rp-value.green { color: var(--savings); }
    .rate-pill-arrow { color: var(--accent); font-size: 16px; flex-shrink: 0; }
    .rate-diff-badge {
      display: block; width: fit-content; margin: 0 auto 20px;
      background: var(--savings-light); color: var(--savings);
      font-size: 12px; font-weight: 600; padding: 4px 14px; border-radius: 50px;
    }

    .big-saving { text-align: center; margin-bottom: 24px; }
    .big-saving .bs-label { font-size: 11px; color: var(--text-secondary); text-transform: uppercase; letter-spacing: 1px; }
    .big-saving .bs-amount {
      font-size: 52px; font-weight: 800; color: var(--savings); line-height: 1.1;
      font-family: var(--font-display); font-variant-numeric: tabular-nums;
    }
    .big-saving .bs-sub { font-size: 13px; color: var(--text-secondary); }

    .stat-row { display: grid; grid-template-columns: repeat(3,1fr); gap: 8px; margin-bottom: 16px; }
    .stat-card {
      text-align: center; padding: 12px 6px; background: var(--surface); border-radius: 8px;
    }
    .stat-card.hl { border: 1.5px solid var(--accent); background: var(--accent-light); }
    .stat-card .sv { font-size: 18px; font-weight: 700; color: var(--savings); font-family: var(--font-display); }
    .stat-card .sl { font-size: 10px; color: var(--text-secondary); }

    .time-box {
      background: linear-gradient(135deg, var(--warm-light), #FEF3C7);
      border: 1px solid rgba(245,158,11,0.2);
      color: var(--text); padding: 12px 16px; border-radius: var(--radius);
      text-align: center; font-weight: 600; font-size: 14px; margin-bottom: 16px;
    }
    .competitive-box {
      background: var(--savings-light); border: 1px solid rgba(16,185,129,0.2);
      border-radius: var(--radius); padding: 16px; text-align: center;
      font-size: 14px; line-height: 1.6; margin-bottom: 16px;
    }
    .results-standard, .results-competitive { display: none; }
    .results-standard.show, .results-competitive.show { display: block; }
    .disclaimer { font-size: 10px; color: var(--text-secondary); text-align: center; line-height: 1.5; margin-top: 8px; }

    /* ═══ CONTACT ═══ */
    .contact-summary-card {
      background: var(--accent-light); border-radius: var(--radius);
      padding: 16px; margin-bottom: 20px;
    }
    .cs-header { font-size: 11px; font-weight: 700; color: var(--accent-dark); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 10px; }
    .cs-big { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 10px; }
    .cs-big-item { text-align: center; }
    .cs-big-item .val { font-size: 28px; font-weight: 800; color: var(--savings); line-height: 1.1; font-family: var(--font-display); }
    .cs-big-item .lbl { font-size: 11px; color: var(--text-secondary); }
    .cs-details {
      font-size: 12px; color: var(--text-secondary); line-height: 1.7;
      border-top: 1px solid var(--accent-muted); padding-top: 8px;
    }

    .contact-title { font-family: var(--font-display); font-size: 17px; font-weight: 700; text-align: center; margin-bottom: 4px; }
    .contact-sub { font-size: 13px; color: var(--text-secondary); text-align: center; margin-bottom: 16px; }
    .form-group { margin-bottom: 12px; }
    .form-group label { display: block; font-size: 12px; font-weight: 600; margin-bottom: 4px; }
    .form-group input {
      width: 100%; padding: 12px 14px; border: 1.5px solid var(--border);
      border-radius: var(--radius); font-size: 15px; font-family: var(--font-body);
      transition: border-color 0.2s; background: var(--white);
    }
    .form-group input:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(37,99,235,0.1); }
    .form-group input.error { border-color: var(--red); }
    .form-error { color: var(--red); font-size: 11px; margin-top: 2px; display: none; }
    .form-error.show { display: block; }
    .trust-line { margin-top: 10px; text-align: center; font-size: 11px; color: var(--text-secondary); }

    .success-inner { text-align: center; padding: 24px 0; }
    .success-icon {
      width: 52px; height: 52px; background: var(--savings); border-radius: 50%;
      display: flex; align-items: center; justify-content: center;
      margin: 0 auto 12px; font-size: 26px; color: var(--white);
    }
    .success-inner h3 { font-family: var(--font-display); font-size: 18px; margin-bottom: 6px; }
    .success-inner p { font-size: 13px; color: var(--text-secondary); line-height: 1.6; }

    /* ═══ LOGOS MARQUEE ═══ */
    .logos-section {
      background: var(--white); padding: 20px 0; overflow: hidden;
      border-top: 1px solid var(--border); border-bottom: 1px solid var(--border);
    }
    .logos-label {
      text-align: center; font-size: 11px; color: var(--text-secondary);
      margin-bottom: 14px; font-weight: 500; text-transform: uppercase; letter-spacing: 1px;
    }
    .marquee { display: flex; overflow: hidden; }
    .marquee-track {
      display: flex; gap: 6px; animation: marquee 90s linear infinite; align-items: center;
    }
    .bank-logo-item {
      display: flex; align-items: center; gap: 8px;
      padding: 6px 14px; flex-shrink: 0; transition: opacity 0.3s;
      opacity: 0.5;
    }
    .bank-logo-item:hover { opacity: 1; }
    .bank-logo-item img { width: 20px; height: 20px; border-radius: 4px; object-fit: contain; }
    .bank-logo-item span { font-size: 13px; font-weight: 600; color: var(--text); white-space: nowrap; }
    @keyframes marquee { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }

    /* ═══ SCROLL REVEAL ═══ */
    .reveal {
      opacity: 0; transform: translateY(32px);
      transition: opacity 0.8s cubic-bezier(0.16,1,0.3,1), transform 0.8s cubic-bezier(0.16,1,0.3,1);
    }
    .reveal.in-view { opacity: 1; transform: translateY(0); }
    .reveal-left { transform: translateX(-32px); }
    .reveal-left.in-view { transform: translateX(0); }
    .reveal-d1 { transition-delay: 0.12s; }
    .reveal-d2 { transition-delay: 0.24s; }
    .reveal-d3 { transition-delay: 0.36s; }

    /* ═══ SECTIONS ═══ */
    .section { padding: 100px 24px; }
    .section-label {
      font-family: var(--font-display); text-transform: uppercase; letter-spacing: 3px;
      font-size: 11px; font-weight: 700; color: var(--accent); margin-bottom: 16px; text-align: center;
    }
    .section-heading {
      font-family: var(--font-display);
      text-align: center; font-size: clamp(30px, 5vw, 46px); font-weight: 800;
      line-height: 1.1; letter-spacing: -1px; margin-bottom: 20px; color: var(--text);
    }
    .section-desc {
      text-align: center; color: var(--text-secondary); font-size: 17px; line-height: 1.7;
      max-width: 500px; margin: 0 auto;
    }

    /* ── Impact strip ── */
    .impact-strip {
      background: var(--surface); padding: 72px 24px;
      border-bottom: 1px solid var(--border);
    }
    .impact-grid {
      display: grid; grid-template-columns: repeat(4,1fr); gap: 32px;
      max-width: 900px; margin: 0 auto; text-align: center;
    }
    .impact-item { padding: 8px 0; }
    .impact-num {
      font-family: var(--font-display); font-size: 48px; font-weight: 800;
      color: var(--navy); line-height: 1;
    }
    .impact-num::after {
      content: ''; display: block; width: 28px; height: 3px;
      background: var(--warm); margin: 14px auto 0; border-radius: 2px;
    }
    .impact-label { font-size: 14px; color: var(--text-secondary); margin-top: 10px; }

    /* ── How it works ── */
    .how-section { background: var(--white); }
    .how-steps { max-width: 640px; margin: 56px auto 0; }
    .how-step {
      display: grid; grid-template-columns: 80px 1fr; gap: 24px;
      padding: 32px 0; border-bottom: 1px solid var(--border);
      align-items: start;
    }
    .how-step:last-child { border-bottom: none; }
    .how-num {
      font-family: var(--font-display); font-size: 64px; font-weight: 800;
      color: var(--accent-muted); line-height: 0.9; text-align: right;
      letter-spacing: -3px; opacity: 0.5;
    }
    .how-content h3 { font-family: var(--font-display); font-size: 20px; font-weight: 700; margin-bottom: 6px; }
    .how-content p { font-size: 15px; color: var(--text-secondary); line-height: 1.7; }

    /* ── Trust ── */
    .trust-section {
      background: var(--navy); position: relative; overflow: hidden;
    }
    .trust-section::before {
      content: ''; position: absolute; right: -5%; top: -30%;
      width: 500px; height: 500px; border-radius: 50%;
      border: 1px solid rgba(255,255,255,0.03); pointer-events: none;
    }
    .trust-section::after {
      content: ''; position: absolute; left: -10%; bottom: -30%;
      width: 400px; height: 400px; border-radius: 50%;
      background: radial-gradient(circle, rgba(37,99,235,0.06) 0%, transparent 60%);
      pointer-events: none;
    }
    .trust-inner {
      max-width: 1000px; margin: 0 auto; position: relative; z-index: 1;
      display: grid; grid-template-columns: 1.1fr 1fr; gap: 80px; align-items: center;
    }
    .trust-statement {
      font-family: var(--font-serif); font-size: clamp(28px, 4vw, 44px); font-weight: 400;
      color: var(--white); line-height: 1.25;
    }
    .trust-statement em { font-style: italic; color: var(--warm); }
    .trust-points { display: flex; flex-direction: column; gap: 28px; }
    .trust-point { display: flex; gap: 16px; align-items: flex-start; }
    .trust-check {
      width: 36px; height: 36px; border-radius: 10px; flex-shrink: 0;
      background: rgba(37,99,235,0.1); border: 1px solid rgba(37,99,235,0.2);
      display: flex; align-items: center; justify-content: center; margin-top: 2px;
    }
    .trust-check svg { width: 16px; height: 16px; color: var(--accent-muted); }
    .trust-point h4 { color: var(--white); font-family: var(--font-display); font-size: 16px; font-weight: 700; margin-bottom: 4px; }
    .trust-point p { color: rgba(255,255,255,0.45); font-size: 14px; line-height: 1.7; }

    /* ── Testimonials ── */
    .testimonials-section { background: var(--warm-light); }
    .featured-quote {
      max-width: 700px; margin: 56px auto 48px; text-align: center; position: relative;
    }
    .featured-quote::before {
      content: '\201C'; position: absolute; top: -40px; left: 50%; transform: translateX(-50%);
      font-family: var(--font-serif); font-size: 120px; color: rgba(245,158,11,0.12);
      line-height: 1; pointer-events: none;
    }
    .fq-stars { color: var(--warm); font-size: 20px; letter-spacing: 4px; margin-bottom: 24px; }
    .fq-text {
      font-family: var(--font-serif); font-size: clamp(22px, 3vw, 32px); font-weight: 400;
      font-style: italic; line-height: 1.45; color: var(--text); margin-bottom: 24px;
      transition: opacity 0.4s ease, transform 0.4s ease;
    }
    .fq-author { font-family: var(--font-display); font-size: 15px; font-weight: 700; }
    .fq-loc { font-size: 13px; color: var(--text-secondary); margin-top: 2px; }
    .mini-quotes {
      display: grid; grid-template-columns: repeat(4,1fr); gap: 16px;
      max-width: 1000px; margin: 0 auto;
    }
    .mini-quote {
      background: var(--white); border-radius: var(--radius); padding: 20px;
      border: 1px solid var(--border); border-left: 3px solid var(--warm);
      transition: box-shadow 0.3s, transform 0.3s;
    }
    .mini-quote:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
    .mq-stars { color: var(--warm); font-size: 12px; letter-spacing: 1px; margin-bottom: 10px; }
    .mq-text { font-size: 14px; line-height: 1.65; color: var(--text); margin-bottom: 12px; }
    .mq-author { font-size: 13px; font-weight: 600; color: var(--text-secondary); }

    /* ── FAQ ── */
    .faq-section { background: var(--white); }
    .faq-list { max-width: 680px; margin: 56px auto 0; }
    .faq-item {
      border-bottom: 1px solid var(--border);
      transition: background 0.3s;
    }
    .faq-item.open { background: var(--surface); margin: 0 -16px; padding: 0 16px; border-radius: var(--radius); border-bottom-color: transparent; }
    .faq-q {
      width: 100%; padding: 22px 0; background: none; border: none;
      text-align: left; font-size: 16px; font-weight: 600;
      cursor: pointer; display: flex; justify-content: space-between;
      align-items: center; font-family: var(--font-body); color: var(--text); gap: 16px;
      transition: color 0.2s;
    }
    .faq-q:hover { color: var(--accent); }
    .faq-toggle { width: 24px; height: 24px; flex-shrink: 0; position: relative; }
    .faq-toggle::before, .faq-toggle::after {
      content: ''; position: absolute; background: var(--text-secondary);
      border-radius: 1px; transition: all 0.3s;
    }
    .faq-toggle::before { width: 14px; height: 2px; top: 11px; left: 5px; }
    .faq-toggle::after { width: 2px; height: 14px; top: 5px; left: 11px; }
    .faq-item.open .faq-toggle::after { transform: rotate(90deg); opacity: 0; }
    .faq-item.open .faq-toggle::before { background: var(--accent); }
    .faq-a {
      max-height: 0; overflow: hidden; transition: max-height 0.4s ease;
      font-size: 15px; color: var(--text-secondary); line-height: 1.8;
    }
    .faq-a.open { max-height: 300px; padding-bottom: 22px; }

    /* ── Final CTA ── */
    .final-cta {
      background: var(--navy); padding: 120px 24px; text-align: center;
      position: relative; overflow: hidden;
      border-top: 1px solid rgba(255,255,255,0.04);
    }
    .final-cta::before {
      content: ''; position: absolute;
      width: 600px; height: 600px; border-radius: 50%;
      background: radial-gradient(circle, rgba(245,158,11,0.06) 0%, transparent 60%);
      top: 50%; left: 50%; transform: translate(-50%,-50%); pointer-events: none;
    }
    .final-cta-inner { position: relative; z-index: 1; max-width: 620px; margin: 0 auto; }
    .final-cta h2 {
      font-family: var(--font-serif); color: var(--white);
      font-size: clamp(28px, 5vw, 46px); font-weight: 400;
      line-height: 1.15; margin-bottom: 16px;
    }
    .final-cta p {
      color: rgba(255,255,255,0.45); font-size: 18px; line-height: 1.7; margin-bottom: 40px;
    }
    .final-cta .sub-text {
      display: block; color: rgba(255,255,255,0.25); font-size: 13px; margin-top: 24px;
    }

    /* ── Footer ── */
    .footer {
      background: #060D18; padding: 48px 24px 20px; text-align: center;
      border-top: 1px solid rgba(255,255,255,0.04);
    }
    .footer-top {
      max-width: var(--max-width); margin: 0 auto;
      padding-bottom: 28px; border-bottom: 1px solid rgba(255,255,255,0.04);
    }
    .footer-logo {
      font-family: var(--font-display); font-size: 16px; font-weight: 700;
      color: rgba(255,255,255,0.5); margin-bottom: 6px; display: inline-block;
    }
    .footer-logo span { color: rgba(255,255,255,0.8); }
    .footer .tag { color: rgba(255,255,255,0.25); font-size: 14px; margin-bottom: 24px; display: block; }
    .footer-nav {
      display: flex; justify-content: center; gap: 28px; flex-wrap: wrap; margin-bottom: 20px;
    }
    .footer-nav a {
      color: rgba(255,255,255,0.35); text-decoration: none; font-size: 14px;
      transition: color 0.2s; display: inline;
    }
    .footer-nav a:hover { color: rgba(255,255,255,0.8); }
    .footer-contact { color: rgba(255,255,255,0.25); font-size: 14px; margin-bottom: 20px; }
    .footer-contact a {
      color: rgba(255,255,255,0.35); text-decoration: none; transition: color 0.2s; display: inline;
    }
    .footer-contact a:hover { color: rgba(255,255,255,0.8); }
    .social-links { display: flex; justify-content: center; gap: 10px; }
    .social-link {
      width: 36px; height: 36px; border-radius: 50%;
      background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.06);
      display: inline-flex; align-items: center; justify-content: center;
      color: rgba(255,255,255,0.3); transition: all 0.25s; text-decoration: none;
    }
    .social-link:hover { background: var(--accent); border-color: var(--accent); color: var(--white); }
    .social-link svg { width: 16px; height: 16px; }
    .footer-bottom {
      max-width: 780px; margin: 20px auto 0; padding-top: 20px;
      color: rgba(255,255,255,0.15); font-size: 10px; line-height: 1.8;
    }

    /* ═══ RESPONSIVE ═══ */
    @media (max-width: 1024px) {
      .hero-inner { gap: 40px; }
    }

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

      .hero {
        min-height: auto; padding: 64px 16px 28px; align-items: flex-start;
      }
      .hero-inner { grid-template-columns: 1fr; gap: 24px; }
      .hero-text { order: 0; text-align: center; }
      .calc-card { order: 1; }

      .hero-badge { font-size: 11px; padding: 4px 12px; margin-bottom: 14px; }
      .hero h1 { font-size: 28px; margin-bottom: 10px; }
      .hero-sub { font-size: 14px; margin-bottom: 14px; display: block; margin-left: auto; margin-right: auto; }
      .hero-stars { justify-content: center; margin-bottom: 14px; }
      .hero-banks { display: none; }

      .calc-card { padding: 24px 18px; border-radius: var(--radius-lg); }
      .calc-card-header { margin-bottom: 16px; }
      .calc-card-header h2 { font-size: 17px; }

      .input-group { margin-bottom: 14px; }
      .input-box { padding: 10px 12px; }
      .input-box input[type="text"] { font-size: 16px; }

      .big-saving .bs-amount { font-size: 42px; }
      .stat-row { gap: 6px; }
      .stat-card .sv { font-size: 16px; }
      .stat-card .sl { font-size: 9px; }

      .section { padding: 64px 16px; }
      .section-heading { font-size: 28px; letter-spacing: -0.5px; }
      .impact-strip { padding: 48px 16px; }
      .impact-grid { grid-template-columns: repeat(2,1fr); gap: 32px; }
      .impact-num { font-size: 36px; }
      .how-step { grid-template-columns: 56px 1fr; gap: 16px; padding: 24px 0; }
      .how-num { font-size: 44px; }
      .trust-inner { grid-template-columns: 1fr; gap: 40px; }
      .trust-statement { text-align: center; font-size: 28px; }
      .featured-quote { margin: 36px auto 32px; }
      .fq-text { font-size: 22px; }
      .mini-quotes { grid-template-columns: 1fr 1fr; gap: 12px; }
      .faq-q { font-size: 15px; }
      .final-cta { padding: 80px 16px; }
      .footer-nav { gap: 16px; }
      .toggle-pill { font-size: 12px; padding: 9px 6px; }
    }

    @media (max-width: 480px) {
      .hero { padding: 56px 12px 20px; }
      .hero h1 { font-size: 24px; }
      .mini-quotes { grid-template-columns: 1fr; }
      .calc-card { padding: 20px 14px; }
      .input-box { padding: 9px 10px; }
      .input-box input[type="text"] { font-size: 15px; }
      .rate-pill .rp-value { font-size: 20px; }
      .big-saving .bs-amount { font-size: 38px; }
      .cs-big-item .val { font-size: 24px; }
    }

    /* ═══════════════════════════════════════════════════
       BLOG / INSIGHTS  (added for the Insights section)
       ═══════════════════════════════════════════════════ */
    .blog-main { padding-top: 96px; }
    .blog-wrap { max-width: 760px; margin: 0 auto; padding: 56px 24px 80px; }

    /* Listing page */
    .blog-list-head { max-width: 1100px; margin: 0 auto; padding: 56px 24px 8px; }
    .blog-list-head .section-label { margin-bottom: 12px; }
    .blog-list-head h1 { font-family: var(--font-serif); font-size: clamp(34px,5vw,52px); line-height: 1.05; color: var(--navy); margin: 0 0 14px; }
    .blog-list-head p { font-size: 18px; color: var(--text-secondary); max-width: 620px; }

    .blog-featured { max-width: 1100px; margin: 32px auto 0; padding: 0 24px; }
    .blog-featured a { display: grid; grid-template-columns: 1.1fr 1fr; gap: 0; text-decoration: none; background: var(--navy); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); transition: transform .2s, box-shadow .2s; }
    .blog-featured a:hover { transform: translateY(-3px); box-shadow: var(--shadow-xl); }
    .blog-featured .bf-body { padding: 44px; color: var(--white); display: flex; flex-direction: column; justify-content: center; }
    .blog-featured .bf-cat { font-family: var(--font-display); font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; color: var(--warm); margin-bottom: 14px; }
    .blog-featured h2 { font-family: var(--font-serif); font-size: 30px; line-height: 1.15; margin: 0 0 14px; color: var(--white); }
    .blog-featured p { color: rgba(255,255,255,0.78); font-size: 15px; line-height: 1.6; margin: 0 0 18px; }
    .blog-featured .bf-meta { font-size: 13px; color: rgba(255,255,255,0.6); }
    .blog-featured .bf-side { background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%); display: flex; align-items: center; justify-content: center; padding: 32px; }
    .blog-featured .bf-side svg { width: 88px; height: 88px; stroke: rgba(255,255,255,0.9); }

    .blog-grid { max-width: 1100px; margin: 36px auto 0; padding: 0 24px; display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
    .blog-card { display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 28px; text-decoration: none; transition: transform .2s, box-shadow .2s, border-color .2s; }
    .blog-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: var(--accent-muted); }
    .blog-card .bc-cat { font-family: var(--font-display); font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 1.2px; color: var(--accent); margin-bottom: 12px; }
    .blog-card h3 { font-family: var(--font-display); font-size: 19px; font-weight: 700; line-height: 1.25; color: var(--navy); margin: 0 0 10px; }
    .blog-card p { font-size: 14px; color: var(--text-secondary); line-height: 1.6; margin: 0 0 16px; flex: 1; }
    .blog-card .bc-meta { font-size: 12px; color: var(--text-secondary); font-weight: 600; display: flex; align-items: center; gap: 6px; }
    .blog-card .bc-meta .arrow { color: var(--accent); margin-left: auto; }

    /* Article page */
    .blog-post { }
    .blog-back { display: inline-flex; align-items: center; gap: 6px; font-family: var(--font-display); font-size: 13px; font-weight: 600; color: var(--accent); text-decoration: none; margin-bottom: 28px; }
    .blog-back:hover { color: var(--accent-hover); }
    .blog-header { border-bottom: 1px solid var(--border); padding-bottom: 28px; margin-bottom: 32px; }
    .blog-header h1 { font-family: var(--font-serif); font-size: clamp(30px,4.5vw,44px); line-height: 1.1; color: var(--navy); margin: 0 0 14px; }
    .blog-meta { font-family: var(--font-display); font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: 1px; color: var(--text-secondary); margin: 0; }
    .blog-content { font-size: 17px; line-height: 1.72; color: var(--text); }
    .blog-content > p, .blog-content > ul, .blog-content > ol { margin: 0 0 22px; }
    .blog-lead { font-size: 20px; line-height: 1.6; color: var(--navy); font-weight: 500; margin: 0 0 26px !important; }
    .blog-content h2 { font-family: var(--font-display); font-size: 27px; font-weight: 700; color: var(--navy); line-height: 1.2; margin: 44px 0 16px; }
    .blog-content h3 { font-family: var(--font-display); font-size: 20px; font-weight: 700; color: var(--navy); margin: 32px 0 12px; }
    .blog-content a { color: var(--accent); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }
    .blog-content a:hover { color: var(--accent-hover); }
    .blog-content ul, .blog-content ol { padding-left: 24px; }
    .blog-content li { margin-bottom: 10px; }
    .blog-content strong { color: var(--navy); font-weight: 700; }

    .blog-table { width: 100%; border-collapse: collapse; margin: 0 0 24px; font-size: 15px; border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }
    .blog-table th { background: var(--navy); color: var(--white); font-family: var(--font-display); font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: .5px; text-align: left; padding: 12px 16px; }
    .blog-table td { padding: 12px 16px; border-top: 1px solid var(--border); color: var(--text); }
    .blog-table tbody tr:nth-child(even) { background: var(--surface); }

    .blog-callout { background: var(--accent-light); border-left: 4px solid var(--accent); border-radius: var(--radius); padding: 20px 24px; margin: 28px 0; }
    .blog-callout p { margin: 0; font-size: 16px; line-height: 1.6; color: var(--navy); }

    .blog-cta { background: var(--warm-light); border: 1px solid #FCE8B6; border-radius: var(--radius-lg); padding: 24px 28px; margin: 32px 0; text-align: center; }
    .blog-cta p { margin: 0; font-size: 17px; font-weight: 500; color: var(--navy); line-height: 1.5; }
    .blog-cta a { color: var(--accent); font-weight: 700; }

    .blog-disclaimer { margin-top: 40px; padding-top: 24px; border-top: 1px solid var(--border); }
    .blog-disclaimer p { font-size: 13px; line-height: 1.6; color: var(--text-secondary); margin: 0; }

    .blog-related { max-width: 760px; margin: 0 auto; padding: 8px 24px 80px; }
    .blog-related h2 { font-family: var(--font-display); font-size: 20px; font-weight: 700; color: var(--navy); margin: 0 0 18px; }
    .blog-related-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 16px; }
    .blog-related a { display: block; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 18px 20px; text-decoration: none; transition: border-color .2s, transform .2s; }
    .blog-related a:hover { border-color: var(--accent-muted); transform: translateY(-2px); }
    .blog-related .br-cat { font-family: var(--font-display); font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--accent); margin-bottom: 7px; }
    .blog-related .br-title { font-family: var(--font-display); font-size: 15px; font-weight: 600; color: var(--navy); line-height: 1.3; }

    @media (max-width: 860px) {
      .blog-grid { grid-template-columns: 1fr 1fr; }
      .blog-featured a { grid-template-columns: 1fr; }
      .blog-featured .bf-side { display: none; }
    }
    @media (max-width: 560px) {
      .blog-grid, .blog-related-grid { grid-template-columns: 1fr; }
      .blog-wrap { padding: 40px 18px 64px; }
      .blog-content { font-size: 16px; }
    }