/* Base Typography & Variables */
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal { opacity: 0; transform: translateY(20px); transition: opacity 0.6s ease-out, transform 0.6s ease-out; }
.reveal.visible { opacity: 1; transform: translateY(0); }
/* Base Typography & Variables */
:root {

  
  --font-heading: 'Space Grotesk', sans-serif;
  --font-body: 'DM Sans', sans-serif;
  
  --radius-sm: 8px;
  --radius-md: 16px;
  --radius-lg: 32px;
  
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);

  --max-width: 1200px;
  --header-height: 80px;
  --topbar-height: 40px;
}

/* Reset */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: var(--font-body); background-color: var(--color-bg); color: var(--color-text); line-height: 1.6; -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img, svg { max-width: 100%; display: block; }
svg.lucide { stroke-width: 1.5px; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { background: none; border: none; cursor: pointer; font: inherit; }

/* Typography */
h1, h2, h3, h4, h5, h6 { font-family: var(--font-heading); color: var(--color-primary); line-height: 1.1; font-weight: 800; }
h1 { font-size: clamp(2.5rem, 5vw, 4rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(2rem, 4vw, 3rem); letter-spacing: -0.01em; }
h3 { font-size: 1.5rem; }
p { margin-bottom: 1rem; color: var(--color-text-muted); }

/* Layout */
.container { width: 100%; max-width: var(--max-width); margin: 0 auto; padding: 0 1.5rem; }
.section { padding: 6rem 0; }
.section-sm { padding: 4rem 0; }
.section-light { background-color: var(--color-surface); }
.section-dark { background-color: var(--color-primary); color: white; }
.section-dark h1, .section-dark h2, .section-dark h3, .section-dark p { color: white; }
.section-dark p { opacity: 0.8; }
.section-accent { background-color: var(--color-accent); color: white; }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 2rem; }
.grid-4 { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 1.5rem; }
@media (max-width: 768px) { .grid-2 { grid-template-columns: 1fr; gap: 2rem; } }

.featured-grid { display: grid; grid-template-columns: 2fr 1fr; gap: 2.5rem; align-items: start; }
@media (max-width: 992px) { .featured-grid { grid-template-columns: 1fr; } }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; padding: 0.75rem 1.75rem; border-radius: 50px; font-weight: 700; font-family: var(--font-heading); transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1); gap: 0.5rem; box-shadow: var(--shadow-sm); }
.btn-primary { background-color: var(--color-accent); color: white; }
.btn-primary:hover { background-color: var(--color-accent-hover); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-outline { border: 2px solid var(--color-border); color: var(--color-primary); }
.btn-outline:hover { border-color: var(--color-primary); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-white { background-color: white; color: var(--color-primary); }
.btn-white:hover { background-color: var(--color-bg); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-sm { padding: 0.5rem 1.25rem; font-size: 0.875rem; }

/* Topbar */
.topbar { background-color: var(--color-primary); color: white; height: var(--topbar-height); display: flex; align-items: center; font-size: 0.875rem; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; }
.topbar-left, .topbar-right { display: flex; gap: 1.5rem; align-items: center; }
.topbar a { color: rgba(255,255,255,0.9); transition: color 0.2s; display: flex; align-items: center; gap: 0.25rem; }
.topbar a:hover { color: white; }
@media (max-width: 768px) { .topbar { display: none; } }

/* Header & Nav */
.site-header { position: sticky; top: 0; z-index: 50; background-color: rgba(255, 255, 255, 0.98); backdrop-filter: blur(8px); border-bottom: 1px solid var(--color-border); }
.navbar-inner { display: flex; justify-content: space-between; align-items: center; height: var(--header-height); }
.logo { font-size: 1.5rem; letter-spacing: -0.02em; }
.nav-links { display: flex; gap: 2rem; align-items: center; height: 100%; }
.nav-links > li { height: 100%; display: flex; align-items: center; }
.nav-links a, .nav-links .dropdown-toggle { font-weight: 500; font-size: 0.95rem; color: var(--color-text); }
.nav-links a:hover, .nav-links .dropdown-toggle:hover { color: var(--color-accent); }
.nav-links .btn:hover { color: white !important; }
.mobile-menu-toggle { display: none; }

/* Deep Dropdown */
.dropdown-parent { position: relative; }
.dropdown-toggle { display: flex; align-items: center; gap: 0.25rem; font-weight: 500; height: 100%; cursor: pointer; }
.dropdown-icon { width: 16px; height: 16px; transition: transform 0.2s; }
.dropdown-menu { position: absolute; top: 100%; left: 50%; transform: translateX(-50%) translateY(10px); background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-md); box-shadow: var(--shadow-lg); width: auto; min-width: 280px; padding: 1.5rem; opacity: 0; visibility: hidden; transition: opacity 0.3s ease, transform 0.3s ease, visibility 0.3s; display: grid; grid-template-columns: 1fr; gap: 1rem; z-index: 100; }
.dropdown-parent:hover .dropdown-menu, .dropdown-parent:focus-within .dropdown-menu { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.dropdown-parent:hover .dropdown-icon { transform: rotate(180deg); }
.dropdown-col h4 { font-size: 0.875rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--color-text-muted); margin-bottom: 1rem; border-bottom: 1px solid var(--color-border); padding-bottom: 0.5rem; }
.dropdown-col a { display: block; padding: 0.5rem 0; color: var(--color-text); font-size: 0.95rem; }
.dropdown-col a:hover { color: var(--color-accent); padding-left: 0.25rem; transition: padding 0.2s ease; }
.dropdown-cta { color: var(--color-accent) !important; font-weight: 700 !important; margin-top: 1rem; border-top: 1px solid var(--color-border); padding-top: 1rem !important; }

/* Forms */
.form-group { margin-bottom: 1.5rem; }
.form-label { display: block; font-weight: 500; margin-bottom: 0.5rem; font-size: 0.875rem; color: var(--color-text); }
.form-control { width: 100%; padding: 0.75rem 1rem; border: 1px solid var(--color-border); border-radius: var(--radius-sm); font-family: var(--font-body); transition: border-color 0.2s; background: var(--color-surface); color: var(--color-text); }
.form-control:focus { outline: none; border-color: var(--color-accent); box-shadow: 0 0 0 2px rgba(197, 168, 128, 0.2); }
textarea.form-control { resize: vertical; min-height: 100px; }
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; gap: 0; margin-bottom: 0; } .form-row .form-group { margin-bottom: 1.5rem; } }

/* Cards & Elements */
.card { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-md); padding: 2.5rem; transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1); box-shadow: var(--shadow-sm); }
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.action-card { text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center; border-radius: var(--radius-md); }
.action-card i, .action-card svg { margin-bottom: 1rem; width: 32px; height: 32px; color: var(--color-accent); flex-shrink: 0; }
.trust-row { display: flex; justify-content: space-around; flex-wrap: wrap; gap: 2rem; padding: 2rem 0; border-top: 1px solid var(--color-border); border-bottom: 1px solid var(--color-border); margin: 2rem 0; background: var(--color-surface); }
.trust-item { display: flex; align-items: center; gap: 0.75rem; font-weight: 600; color: var(--color-text-muted); }

/* Footer */
.site-footer { background-color: var(--color-primary); color: white; padding: 3rem 0 1rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 3rem; margin-bottom: 2rem; }
.footer-brand h3 { color: white; margin-bottom: 1rem; }
.footer-brand p { color: rgba(255,255,255,0.7); }
.footer-links h4 { color: white; margin-bottom: 1.5rem; font-size: 1rem; }
.footer-links ul li { margin-bottom: 0.75rem; }
.footer-links a { color: rgba(255,255,255,0.7); transition: color 0.2s; font-size: 0.95rem; }
.footer-links a:hover { color: white; }
.footer-bottom { display: flex; flex-direction: column; gap: 0.5rem; align-items: center; text-align: center; font-size: 0.75rem; color: rgba(255,255,255,0.5); padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,0.1); }
.footer-bottom p { margin-bottom: 0; }
.legal-text { line-height: 1.5; width: 100%; margin-left: 0; margin-right: 0; }
@media (max-width: 992px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 768px) { .footer-grid { grid-template-columns: 1fr; } .footer-bottom { flex-direction: column; text-align: center; gap: 0.25rem; padding-top: 1rem; } .legal-text { width: 100%; } }

/* WhatsApp Float */
.whatsapp-widget { position: fixed; bottom: 24px; right: 24px; z-index: 100; display: flex; align-items: center; gap: 0.5rem; }
.whatsapp-label { background: white; padding: 0.5rem 1rem; border-radius: var(--radius-lg); font-weight: 600; font-size: 0.875rem; box-shadow: var(--shadow-md); color: var(--color-primary); opacity: 0; transform: translateX(20px); transition: all 0.3s ease; pointer-events: none; }
.whatsapp-widget:hover .whatsapp-label { opacity: 1; transform: translateX(0); }
.whatsapp-float { background-color: #25D366; color: white; width: 60px; height: 60px; border-radius: 50%; display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow-lg); transition: transform 0.2s ease; }
.whatsapp-float:hover { transform: scale(1.05); }
.whatsapp-float svg { width: 32px; height: 32px; }

/* Cookie Preferences System */
.cookie-banner { 
    position: fixed; 
    bottom: 32px; 
    left: 32px; 
    right: 32px; 
    max-width: 550px; 
    width: calc(100% - 64px);
    background: rgba(255, 255, 255, 0.95); 
    backdrop-filter: blur(10px);
    border: 1px solid var(--color-border); 
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg); 
    padding: 2.5rem; 
    z-index: 1000; 
    transform: translateY(150%); 
    transition: transform 0.6s cubic-bezier(0.16, 1, 0.3, 1); 
}
.cookie-banner.show { transform: translateY(0); }
.cookie-banner h3 { font-size: 1.25rem; margin-bottom: 1rem; }
.cookie-banner p { font-size: 0.875rem; line-height: 1.5; margin-bottom: 1.5rem; }
.cookie-prefs { display: none; margin-bottom: 1.5rem; border-top: 1px solid var(--color-border); padding-top: 1.5rem; }
.cookie-prefs.active { display: block; }

.cookie-category { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 1.25rem; gap: 1rem; }
.cookie-category-info h4 { font-size: 0.95rem; margin-bottom: 0.25rem; }
.cookie-category-info p { margin-bottom: 0; font-size: 0.8rem; color: var(--color-text-muted); }

/* Switch Toggle */
.switch { position: relative; display: inline-block; width: 40px; height: 20px; flex-shrink: 0; }
.switch input { opacity: 0; width: 0; height: 0; }
.slider { position: absolute; cursor: pointer; top: 0; left: 0; right: 0; bottom: 0; background-color: #E4E4E7; transition: .4s; border-radius: 20px; }
.slider:before { position: absolute; content: ""; height: 16px; width: 16px; left: 2px; bottom: 2px; background-color: white; transition: .4s; border-radius: 50%; }
input:checked + .slider { background-color: var(--color-accent); }
input:checked + .slider:before { transform: translateX(20px); }
input:disabled + .slider { opacity: 0.5; cursor: not-allowed; }

.cookie-footer-trigger { position: fixed; bottom: 24px; left: 24px; background: var(--color-surface); border: 1px solid var(--color-border); border-radius: 50%; width: 40px; height: 40px; display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow-sm); z-index: 99; color: var(--color-text-muted); transition: all 0.2s; }
.cookie-footer-trigger:hover { color: var(--color-accent); transform: scale(1.1); }

@media (max-width: 600px) {
    .cookie-banner { bottom: 0; left: 0; right: 0; width: 100%; border-radius: var(--radius-md) var(--radius-md) 0 0; padding: 1.5rem; }
    .cookie-actions { flex-direction: column; }
    .cookie-actions .btn { width: 100%; }
}

/* Mobile Nav */
@media (max-width: 768px) {
  .site-header { box-shadow: 0 4px 12px rgba(0,0,0,0.08); }
  .mobile-menu-toggle { display: flex; flex-direction: column; gap: 5px; padding: 10px; width: 44px; height: 44px; justify-content: center; align-items: center; }
  .mobile-menu-toggle .bar { width: 22px; height: 2px; background-color: var(--color-text); transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1); border-radius: 2px; }
  .mobile-menu-toggle[aria-expanded="true"] .bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .mobile-menu-toggle[aria-expanded="true"] .bar:nth-child(2) { opacity: 0; transform: scale(0); }
  .mobile-menu-toggle[aria-expanded="true"] .bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

  .nav-links { position: absolute; top: var(--header-height); left: 0; width: 100%; background: var(--color-surface); flex-direction: column; gap: 0; border-bottom: 1px solid var(--color-border); display: none; height: auto; max-height: 80vh; overflow-y: auto; box-shadow: 0 10px 15px rgba(0,0,0,0.05); }
  .nav-links.active { display: flex; animation: slideInNav 0.3s ease-out forwards; }
  @keyframes slideInNav { from { opacity: 0; transform: translateY(-10px); } to { opacity: 1; transform: translateY(0); } }

  .nav-links > li { width: 100%; border-top: 1px solid var(--color-border); height: auto; display: block; }
  .nav-links a, .dropdown-toggle { padding: 1.25rem 1.5rem; display: flex; align-items: center; justify-content: space-between; width: 100%; border-bottom: 1px solid rgba(0,0,0,0.05); }
  
  .dropdown-menu { position: static; box-shadow: none; border: none; padding: 0 1.5rem; display: block !important; width: 100%; background: #fdfdfd; max-height: 0; overflow: hidden; transition: max-height 0.4s cubic-bezier(0.4, 0, 0.2, 1); border-bottom: 0px solid transparent; }
  .dropdown-parent.active .dropdown-menu { max-height: 500px; padding-bottom: 1rem; }
  .dropdown-parent.active .dropdown-icon { transform: rotate(180deg); }
  
  .dropdown-col { padding: 1rem 0; }
  .dropdown-col h4 { display: none; }
  .dropdown-col a { padding: 0.75rem 0; border: none; }
  .dropdown-cta { margin-top: 0.5rem; border-top: none; }
  .nav-cta { padding: 1.5rem; }
  .nav-cta a { display: block; width: 100%; text-align: center; }
  .whatsapp-label { display: none; }

  .trust-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    padding: 1.5rem;
    align-items: start;
  }
  .trust-item {
    align-items: flex-start;
    text-align: left;
  }
  .trust-item i, .trust-item svg {
    flex-shrink: 0;
    margin-top: 4px;
  }

  /* Hero Mobile Adjustments */
  .hero-bg-desktop {
    display: none !important;
  }
  .hero-section {
    padding: 0 !important;
    background: var(--color-bg);
  }
  .hero-content {
    position: relative;
    padding: 4rem 1.5rem !important;
    margin-bottom: 2rem;
    z-index: 1;
  }
  .hero-bg-mobile {
    display: block !important;
    position: absolute;
    top: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 100vw;
    height: 100%;
    z-index: -1;
  }
  .hero-bg-mobile img {
    width: 100%;
    height: 100%;
    object-fit: cover;
  }
  .mobile-overlay {
    position: absolute;
    inset: 0;
    background: rgba(248, 250, 252, 0.4);
  }
  .hero-form {
    padding: 2rem 1.5rem !important;
    margin: 0 1.5rem 4rem !important;
  }
}


@media (min-width: 769px) {
  .hero-section { padding: 12rem 0 10rem !important; }
}
#lender-panel.open { border: 2px solid var(--color-accent); border-top: none; }
/* Animations */
.reveal { opacity: 0; transform: translateY(20px); transition: opacity 0.6s ease-out, transform 0.6s ease-out; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* 21:9 Image Handling */
.banner-21-9 { width: 100%; position: relative; overflow: hidden; border-radius: var(--radius-md); }
.banner-21-9::before { content: ''; display: block; padding-top: 42.85%; /* 21:9 Aspect Ratio */ }
.banner-21-9 img { position: absolute; top: 0; left: 0; width: 100%; height: 100%; object-fit: cover; object-position: center; }
.hero-media-container { width: 100%; max-width: var(--max-width); margin: 0 auto 3rem; padding: 0 1.5rem; }

/* Success Toast */
.toast-success { position: fixed; bottom: 24px; left: 24px; z-index: 1000; background: var(--color-surface); border-left: 4px solid var(--color-success); border-radius: var(--radius-sm); padding: 1.5rem; box-shadow: var(--shadow-lg); display: flex; align-items: flex-start; gap: 1rem; max-width: 400px; transform: translateY(150%); transition: transform 0.4s cubic-bezier(0.175, 0.885, 0.32, 1.275); }
.toast-success.show { transform: translateY(0); }
.toast-success-close { color: var(--color-text-muted); cursor: pointer; transition: color 0.2s; }
.toast-success-close:hover { color: var(--color-primary); }

.hero-form { background: var(--color-surface); padding: 3rem; border-radius: var(--radius-md); box-shadow: var(--shadow-lg); border-top: 4px solid var(--color-accent); }

/* Multi-Step Form UI */
.multistep-form .form-step { display: none; animation: fadeIn 0.4s ease; }
.multistep-form .form-step.active { display: block; }
.progress-container { margin-bottom: 2rem; background: var(--color-border); height: 6px; border-radius: 3px; position: relative; overflow: hidden; }
.progress-bar { height: 100%; background: var(--color-accent); width: 25%; transition: width 0.4s cubic-bezier(0.4, 0, 0.2, 1); }
.step-indicator { font-size: 0.875rem; color: var(--color-text-muted); margin-bottom: 0.5rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; }
.form-actions { display: flex; justify-content: space-between; margin-top: 2rem; gap: 1rem; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }
.radio-group { display: flex; flex-direction: column; gap: 0.5rem; margin-bottom: 1.5rem; }
.radio-card { border: 1px solid var(--color-border); border-radius: var(--radius-sm); padding: 1.25rem; cursor: pointer; display: flex; align-items: center; gap: 0.75rem; transition: all 0.2s; background: var(--color-surface); color: var(--color-text); }
.radio-card:hover { border-color: var(--color-accent); background: var(--color-bg); }
.radio-card input[type="radio"] { width: 18px; height: 18px; accent-color: var(--color-accent); }
.radio-card.selected { border-color: var(--color-accent); background: rgba(217, 119, 6, 0.1); }

/* Text overlay on images */
.hero-text-shadow, .hero-text-shadow h1, .hero-text-shadow p { color: #000 !important; text-shadow: 0 0 10px rgba(255,255,255,1), 0 0 20px rgba(255,255,255,0.9), 0 0 30px rgba(255,255,255,0.8); }
.hero-text-shadow p { font-weight: 500; }