/* ===== KREDITOM - Modern Credit Comparison Site ===== */
/* Color scheme matched to kreditom.com brand */

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
    /* Kreditom brand colors */
    --primary: #3AB6CF;
    --primary-dark: #2a9ab5;
    --primary-light: #e0f4f8;
    --primary-ultra-light: #f0fafb;
    --accent: #EC4B8B;
    --accent-dark: #d53867;
    --accent-light: #fde8f0;
    --success: #77b978;
    --warning: #fcaf3b;
    --danger: #f37262;
    --dark-bg: #14171c;
    --gray-50: #F8F8F8;
    --gray-100: #f0f0f0;
    --gray-200: #e2e8f0;
    --gray-300: #D9D9D9;
    --gray-400: #94a3b8;
    --gray-500: #64748b;
    --gray-600: #475569;
    --gray-700: #334155;
    --gray-800: #2b2b2b;
    --gray-900: #14171c;
    --white: #ffffff;
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
    --shadow: 0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.06);
    --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);
    --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 10px 10px -5px rgba(0,0,0,0.04);
    --radius: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

html { scroll-behavior: smooth; font-size: 16px; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    color: var(--gray-800);
    background: var(--white);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

a { color: var(--primary); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--primary-dark); }

img { max-width: 100%; height: auto; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* --- Lucide Icons --- */
.icon { width: 24px; height: 24px; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; fill: none; flex-shrink: 0; }
.icon--sm { width: 18px; height: 18px; }
.icon--lg { width: 32px; height: 32px; }

/* --- Buttons --- */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 8px;
    font-family: inherit; font-weight: 600; font-size: 1rem;
    padding: 14px 28px; border-radius: var(--radius); border: 2px solid transparent;
    cursor: pointer; transition: var(--transition); text-decoration: none;
    line-height: 1.2;
}
.btn--primary { background: var(--accent); color: #ffffff !important; border-color: var(--accent); }
.btn--primary:hover { background: var(--accent-dark); border-color: var(--accent-dark); transform: translateY(-1px); box-shadow: var(--shadow-md); color: #ffffff !important; }
.btn--primary svg, .btn--primary i { color: #ffffff !important; stroke: #ffffff !important; }
.btn--teal { background: var(--primary); color: var(--white); border-color: var(--primary); }
.btn--teal:hover { background: var(--primary-dark); border-color: var(--primary-dark); transform: translateY(-1px); box-shadow: var(--shadow-md); color: var(--white); }
.btn--outline { background: transparent; color: var(--primary); border-color: var(--primary); }
.btn--outline:hover { background: var(--primary); color: var(--white); }
.btn--white { background: var(--white); color: var(--accent); border-color: var(--white); }
.btn--white:hover { background: var(--gray-50); }
.btn--lg { padding: 18px 36px; font-size: 1.125rem; border-radius: var(--radius-lg); }
.btn--sm { padding: 10px 20px; font-size: 0.875rem; }
.btn--block { width: 100%; }

/* --- Cookie Bar --- */
.cookie-bar {
    position: fixed; bottom: 0; left: 0; right: 0; z-index: 9999;
    background: var(--gray-900); color: var(--white);
    padding: 20px 0;
    box-shadow: 0 -4px 20px rgba(0,0,0,0.2);
    animation: slideUp 0.4s ease;
}
@keyframes slideUp { from { transform: translateY(100%); } to { transform: translateY(0); } }
.cookie-bar__inner {
    max-width: 1200px; margin: 0 auto; padding: 0 24px;
    display: flex; align-items: center; justify-content: space-between; gap: 20px;
    flex-wrap: wrap;
}
.cookie-bar__inner p { font-size: 0.9rem; color: var(--gray-300); flex: 1; min-width: 280px; }
.cookie-bar__inner a { color: var(--primary); text-decoration: underline; }
.cookie-bar__actions { display: flex; gap: 12px; }

/* --- Navigation --- */
.nav {
    position: sticky; top: 0; z-index: 1000;
    background: rgba(255,255,255,0.95); backdrop-filter: blur(20px);
    border-bottom: 1px solid var(--gray-200);
    padding: 0;
}
.nav__inner {
    display: flex; align-items: center; justify-content: space-between;
    height: 72px;
}
.nav__logo {
    display: flex; align-items: center; gap: 10px;
    font-size: 1.5rem; font-weight: 800; color: var(--gray-900);
    text-decoration: none;
}
.nav__logo-icon { color: var(--primary); display: flex; align-items: center; }
.nav__logo:hover { color: var(--primary); }
.nav__links {
    display: flex; align-items: center; gap: 8px;
    list-style: none;
}
.nav__links a {
    padding: 8px 16px; border-radius: 8px;
    font-weight: 500; font-size: 0.95rem;
    color: var(--gray-600);
}
.nav__links a:hover, .nav__links a.active { color: var(--primary-dark); background: var(--primary-light); }
.nav__cta { margin-left: 8px; }
.nav__toggle {
    display: none; background: none; border: 1.5px solid transparent;
    cursor: pointer; padding: 8px; flex-direction: column; gap: 5px;
    border-radius: 10px;
}
.nav__toggle span {
    display: block; width: 22px; height: 2px;
    background: var(--gray-700); border-radius: 2px;
    transition: transform 0.3s, opacity 0.3s;
    transform-origin: center;
}
/* Hamburger → X animation */
.nav__toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__toggle.active span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav__toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* --- Hero Section --- */
.hero {
    background: linear-gradient(160deg, #f0fafb 0%, #e6f6f9 30%, #f8f8f8 60%, #fdf0f5 100%);
    color: var(--gray-800);
    padding: 80px 0 100px;
    position: relative;
    overflow: hidden;
}
.hero::before {
    content: '';
    position: absolute; inset: 0;
    background: radial-gradient(circle at 80% 20%, rgba(58,182,207,0.1) 0%, transparent 40%),
                radial-gradient(circle at 20% 80%, rgba(236,75,139,0.06) 0%, transparent 40%);
}
.hero__inner { position: relative; display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.hero__badge {
    display: inline-flex; align-items: center; gap: 8px;
    background: var(--primary-light); border: 1px solid rgba(58,182,207,0.25);
    padding: 8px 16px; border-radius: 100px;
    font-size: 0.85rem; font-weight: 600; color: var(--primary-dark);
    margin-bottom: 24px;
}
/* Credit type badge — stronger visual, teal filled */
.hero__badge--tipo {
    background: var(--primary);
    color: #fff;
    border-color: var(--primary-dark);
    box-shadow: 0 2px 12px rgba(58,182,207,0.25);
    font-size: 0.9rem;
}
.hero__title {
    font-size: 3.2rem; font-weight: 800; line-height: 1.15;
    margin-bottom: 20px; color: var(--gray-900);
}
.hero__title span { color: var(--primary); }
.hero__subtitle { font-size: 1.2rem; color: var(--gray-500); margin-bottom: 32px; line-height: 1.7; max-width: 540px; }
.hero__stats { display: flex; gap: 12px; margin-top: 40px; }
.hero__stats--desktop { display: flex; }
.hero__stats--mobile { display: none; justify-content: center; margin-top: 32px; }
.hero__stat-card {
    flex: 1;
    padding: 16px 18px;
    background: rgba(255,255,255,0.55);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border: 1px solid rgba(58,182,207,0.18);
    border-radius: 14px;
    box-shadow: 0 2px 12px rgba(58,182,207,0.08), 0 1px 3px rgba(0,0,0,0.04);
    transition: transform 0.2s, box-shadow 0.2s;
    text-align: left;
}
.hero__stat-card:hover {
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(58,182,207,0.14), 0 2px 6px rgba(0,0,0,0.06);
}
.hero__stat-value { font-size: 1.75rem; font-weight: 800; color: var(--primary-dark); white-space: nowrap; }
.hero__stat-label { font-size: 0.78rem; color: var(--gray-500); margin-top: 4px; font-weight: 500; }

/* --- Simulator Card --- */
.simulator {
    background: var(--white); border-radius: var(--radius-xl);
    padding: 40px; box-shadow: var(--shadow-xl);
    color: var(--gray-800);
}
.simulator__title { font-size: 1.4rem; font-weight: 700; margin-bottom: 8px; color: var(--gray-900); }
.simulator__subtitle { font-size: 0.9rem; color: var(--gray-500); margin-bottom: 28px; }

.form-group { margin-bottom: 24px; }
.form-group label {
    display: block; font-weight: 600; font-size: 0.9rem;
    color: var(--gray-700); margin-bottom: 8px;
}
.slider-wrapper { position: relative; }
.slider-value {
    display: flex; justify-content: space-between; align-items: center;
    margin-bottom: 12px;
}
.slider-value__current {
    font-size: 1.8rem; font-weight: 800; color: var(--primary);
}
.slider-value__range { font-size: 0.95rem; color: var(--gray-500); }

input[type="range"] {
    width: 100%; height: 6px; border-radius: 3px;
    background: var(--gray-200); outline: none; -webkit-appearance: none;
    cursor: pointer; margin: 8px 0;
}
input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none; width: 32px; height: 20px;
    border-radius: 6px; background: linear-gradient(180deg, var(--primary) 0%, var(--primary-dark) 100%);
    border: 2px solid var(--white); box-shadow: 0 2px 8px rgba(58,182,207,0.4);
    cursor: grab; transition: var(--transition);
    position: relative;
}
input[type="range"]::-webkit-slider-thumb:hover {
    box-shadow: 0 3px 12px rgba(58,182,207,0.5);
    background: linear-gradient(180deg, #45c4db 0%, var(--primary) 100%);
}
input[type="range"]::-webkit-slider-thumb:active { cursor: grabbing; }
input[type="range"]::-moz-range-thumb {
    width: 32px; height: 20px; border-radius: 6px;
    background: linear-gradient(180deg, var(--primary) 0%, var(--primary-dark) 100%);
    border: 2px solid var(--white);
    box-shadow: 0 2px 8px rgba(58,182,207,0.4); cursor: grab;
}

.sim-result {
    background: var(--primary-ultra-light); border-radius: var(--radius);
    padding: 20px; margin-top: 4px; display: grid;
    grid-template-columns: 1fr 1fr; gap: 16px;
    border: 1px solid rgba(58,182,207,0.15);
}
.sim-result__item { text-align: center; }
.sim-result__label { font-size: 0.75rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: 0.5px; font-weight: 600; }
.sim-result__value { font-size: 1.3rem; font-weight: 700; color: var(--gray-900); margin-top: 4px; }
.sim-result__value--highlight { color: var(--accent); }

.sim-disclaimer {
    font-size: 0.75rem; color: var(--gray-400); margin-top: 16px;
    line-height: 1.5; padding-top: 16px; border-top: 1px solid var(--gray-200);
}

/* --- Lead Capture Form (overlay on simulator) --- */
.lead-form { display: none; }
.lead-form.active { display: block; }
.lead-form__back {
    display: inline-flex; align-items: center; gap: 6px;
    background: none; border: none; cursor: pointer;
    font-family: inherit; font-size: 0.9rem; font-weight: 500;
    color: var(--gray-500); margin-bottom: 20px; padding: 0;
    transition: var(--transition);
}
.lead-form__back:hover { color: var(--primary); }
.lead-form input,
.form-group input[type="text"],
.form-group input[type="email"],
.form-group input[type="tel"] {
    width: 100%; padding: 14px 16px;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    font-family: inherit; font-size: 0.95rem;
    transition: var(--transition);
    background: var(--white); color: var(--gray-800);
    display: block; box-sizing: border-box;
    line-height: 1.5;
}
.lead-form input:focus,
.form-group input[type="text"]:focus,
.form-group input[type="email"]:focus,
.form-group input[type="tel"]:focus {
    outline: none; border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(58,182,207,0.15);
}
.lead-form input::placeholder,
.form-group input::placeholder { color: var(--gray-400); }
.phone-input-group {
    display: flex; align-items: center; gap: 0;
    border: 1.5px solid var(--gray-200); border-radius: var(--radius);
    overflow: hidden; background: #fff;
    transition: border-color 0.2s, box-shadow 0.2s;
}
.phone-input-group:focus-within {
    border-color: var(--primary); box-shadow: 0 0 0 3px rgba(58,182,207,0.15);
}
.phone-prefix {
    padding: 0 14px; background: var(--primary-ultra-light);
    color: var(--primary); font-weight: 700; font-size: 0.95rem;
    border-right: 1.5px solid var(--gray-200);
    height: 48px; display: flex; align-items: center;
    user-select: none; flex-shrink: 0;
}
.phone-input-group input[type="tel"] {
    border: none !important; box-shadow: none !important; outline: none !important;
    flex: 1; padding: 0 14px; height: 48px;
    font-size: 1rem; letter-spacing: 0.05em;
}
.phone-input-group input[type="tel"]:focus {
    border: none; box-shadow: none;
}
.phone-hint {
    display: block; font-size: 0.78rem; color: var(--gray-400);
    margin-top: 5px;
}
.lead-form__consent {
    display: flex; align-items: flex-start; gap: 10px;
    font-size: 0.8rem; color: var(--gray-500); line-height: 1.5;
    margin-bottom: 20px;
}
.lead-form__consent input[type="checkbox"] {
    width: 18px; height: 18px; margin-top: 2px; flex-shrink: 0;
    accent-color: var(--primary);
}
.lead-form__consent a { color: var(--primary); text-decoration: underline; }
.lead-form__summary {
    background: var(--primary-ultra-light); border-radius: var(--radius);
    padding: 16px; margin-bottom: 24px;
    border: 1px solid rgba(58,182,207,0.15);
    display: flex; justify-content: space-around; text-align: center;
}
.lead-form__summary-item {}
.lead-form__summary-label { font-size: 0.7rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: 0.5px; font-weight: 600; }
.lead-form__summary-value { font-size: 1.1rem; font-weight: 700; color: var(--primary-dark); margin-top: 2px; }

/* --- Sections --- */
.section { padding: 80px 0; }
.section--gray { background: var(--gray-50); }
.section__header { text-align: center; max-width: 640px; margin: 0 auto 60px; }
.section__badge {
    display: inline-block; padding: 6px 16px; border-radius: 100px;
    background: var(--primary-light); color: var(--primary-dark);
    font-size: 0.85rem; font-weight: 600; margin-bottom: 16px;
}
.section__title { font-size: 2.2rem; font-weight: 800; color: var(--gray-900); margin-bottom: 16px; line-height: 1.2; }
.section__subtitle { font-size: 1.05rem; color: var(--gray-500); line-height: 1.7; }

/* --- How It Works (Steps) --- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.step {
    text-align: center; padding: 40px 28px;
    background: var(--white); border-radius: var(--radius-lg);
    border: 1px solid var(--gray-200);
    transition: var(--transition);
    position: relative;
}
.step:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--primary-light); }
.step__number {
    display: inline-flex; align-items: center; justify-content: center;
    width: 56px; height: 56px; border-radius: 16px;
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: var(--white); font-size: 1.4rem; font-weight: 800;
    margin-bottom: 20px;
}
.step__title { font-size: 1.15rem; font-weight: 700; color: var(--gray-900); margin-bottom: 12px; }
.step__desc { font-size: 0.95rem; color: var(--gray-500); line-height: 1.6; }

/* --- Features / Benefits --- */
.features { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.feature {
    padding: 32px; background: var(--white);
    border-radius: var(--radius-lg); border: 1px solid var(--gray-200);
    transition: var(--transition);
}
.feature:hover { box-shadow: var(--shadow-md); border-color: var(--primary-light); }
.feature__icon {
    width: 48px; height: 48px; border-radius: 12px;
    background: var(--primary-light); color: var(--primary);
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 16px;
}
.feature__title { font-size: 1.05rem; font-weight: 700; color: var(--gray-900); margin-bottom: 8px; }
.feature__desc { font-size: 0.9rem; color: var(--gray-500); line-height: 1.6; }

/* --- Credit Types Homepage Section --- */
.credit-types-home-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
    gap: 16px;
}
.credit-type-home-card {
    display: flex;
    align-items: center;
    gap: 16px;
    background: #fff;
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 20px;
    text-decoration: none;
    color: inherit;
    transition: border-color 0.2s, box-shadow 0.2s, transform 0.15s;
}
.credit-type-home-card:hover {
    border-color: var(--primary);
    box-shadow: 0 6px 24px rgba(58,182,207,0.14);
    transform: translateY(-2px);
    text-decoration: none;
}
.credit-type-home-card__icon {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    background: var(--primary-ultra-light);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    flex-shrink: 0;
    transition: background 0.2s, color 0.2s;
}
.credit-type-home-card:hover .credit-type-home-card__icon {
    background: var(--primary);
    color: #fff;
}
.credit-type-home-card__body {
    flex: 1;
    min-width: 0;
}
.credit-type-home-card__title {
    font-size: 0.98rem;
    font-weight: 700;
    color: var(--dark-bg);
    margin-bottom: 4px;
    line-height: 1.3;
}
.credit-type-home-card__desc {
    font-size: 0.82rem;
    color: var(--gray-500);
    line-height: 1.5;
    margin: 0;
}
.credit-type-home-card__arrow {
    color: var(--gray-300);
    transition: color 0.2s, transform 0.2s;
}
.credit-type-home-card:hover .credit-type-home-card__arrow {
    color: var(--primary);
    transform: translateX(3px);
}

/* --- FAQ Section --- */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
    border: 1px solid var(--gray-200); border-radius: var(--radius);
    margin-bottom: 12px; overflow: hidden;
    transition: var(--transition);
}
.faq-item.active { border-color: var(--primary-light); box-shadow: var(--shadow-sm); }
.faq-question {
    width: 100%; padding: 20px 24px;
    background: var(--white); border: none; cursor: pointer;
    display: flex; align-items: center; justify-content: space-between;
    font-family: inherit; font-size: 1rem; font-weight: 600;
    color: var(--gray-800); text-align: left;
    transition: var(--transition);
}
.faq-question:hover { background: var(--gray-50); }
.faq-question__icon {
    color: var(--gray-400);
    transition: var(--transition); flex-shrink: 0; margin-left: 16px;
}
.faq-item.active .faq-question__icon { transform: rotate(180deg); color: var(--primary); }
.faq-answer {
    max-height: 0; overflow: hidden; transition: max-height 0.3s ease;
}
.faq-answer__inner {
    padding: 0 24px 20px;
    font-size: 0.95rem; color: var(--gray-600); line-height: 1.7;
}

/* --- CTA Section --- */
.cta-section {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 50%, #1a4a5a 100%);
    padding: 80px 0; text-align: center; color: var(--white);
}
.cta-section__title { font-size: 2.2rem; font-weight: 800; margin-bottom: 16px; }
.cta-section__subtitle { font-size: 1.1rem; opacity: 0.9; margin-bottom: 36px; max-width: 560px; margin-left: auto; margin-right: auto; }

/* --- Results Page --- */
.results-hero {
    background: linear-gradient(160deg, #e6f6f9 0%, var(--primary-light) 50%, #fdf0f5 100%);
    padding: 60px 0; color: var(--gray-900); text-align: center;
}
.results-hero h1 { font-size: 2.2rem; font-weight: 800; margin-bottom: 12px; color: var(--gray-900); }
.results-hero p { font-size: 1.05rem; color: var(--gray-500); }

.results-grid { display: grid; gap: 24px; margin-top: -40px; position: relative; z-index: 1; }
.result-card {
    background: var(--white); border-radius: var(--radius-lg);
    padding: 32px; box-shadow: var(--shadow-md);
    border: 2px solid var(--gray-200);
    display: grid; grid-template-columns: 160px 1fr auto; gap: 24px;
    align-items: center; transition: var(--transition);
}
.result-card:hover { border-color: var(--primary); box-shadow: var(--shadow-lg); }
.result-card--top { border-color: var(--success); position: relative; }
.result-card--top::before {
    content: 'Geriausias pasiūlymas'; position: absolute; top: -12px; left: 24px;
    background: var(--success); color: var(--white);
    padding: 4px 16px; border-radius: 100px;
    font-size: 0.8rem; font-weight: 600;
}
.result-card__brand { font-size: 1.3rem; font-weight: 700; color: var(--gray-900); }
.result-card__details { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.result-card__detail-label { font-size: 0.72rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: 0.5px; white-space: nowrap; }
.result-card__detail-value { font-size: 1rem; font-weight: 700; color: var(--gray-900); margin-top: 4px; white-space: nowrap; }

/* --- Policy Pages --- */
.policy-page { padding: 60px 0 80px; }
.policy-page h1 {
    font-size: 2rem; font-weight: 800; color: var(--gray-900);
    margin-bottom: 12px; padding-bottom: 20px; border-bottom: 2px solid var(--gray-200);
}
.policy-page .policy-date { font-size: 0.9rem; color: var(--gray-500); margin-bottom: 40px; }
.policy-content { max-width: 800px; }
.policy-content h2 { font-size: 1.3rem; font-weight: 700; color: var(--gray-900); margin: 36px 0 16px; }
.policy-content h3 { font-size: 1.1rem; font-weight: 600; color: var(--gray-800); margin: 24px 0 12px; }
.policy-content p { margin-bottom: 16px; color: var(--gray-600); line-height: 1.8; }
.policy-content ul, .policy-content ol { margin: 12px 0 20px 24px; color: var(--gray-600); }
.policy-content li { margin-bottom: 8px; line-height: 1.7; }
.policy-content a { color: var(--primary); text-decoration: underline; }

/* --- Contact Page --- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.contact-info__item { display: flex; gap: 16px; margin-bottom: 24px; }
.contact-info__icon {
    width: 48px; height: 48px; flex-shrink: 0;
    border-radius: 12px; background: var(--primary-light);
    color: var(--primary); display: flex; align-items: center;
    justify-content: center;
}
.contact-info__text h4 { font-weight: 600; color: var(--gray-900); margin-bottom: 4px; }
.contact-info__text p { font-size: 0.95rem; color: var(--gray-500); }

.contact-form { background: var(--white); border-radius: var(--radius-lg); padding: 36px; box-shadow: var(--shadow-md); border: 1px solid var(--gray-200); }
.contact-form input, .contact-form textarea, .contact-form select {
    width: 100%; padding: 14px 16px; border: 2px solid var(--gray-200);
    border-radius: var(--radius); font-family: inherit; font-size: 0.95rem;
    transition: var(--transition); background: var(--white); color: var(--gray-800);
}
.contact-form input:focus, .contact-form textarea:focus, .contact-form select:focus {
    outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(58,182,207,0.15);
}
.contact-form textarea { resize: vertical; min-height: 120px; }

/* --- Footer --- */
.footer {
    background: var(--gray-900); color: var(--gray-400);
    padding: 60px 0 0;
}
.footer__grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 40px; }
.footer__brand .nav__logo { margin-bottom: 16px; }
.footer__brand .nav__logo-text { color: var(--white); }
.footer__desc { font-size: 0.9rem; line-height: 1.7; }
.footer__col h4 { color: var(--white); font-size: 0.95rem; font-weight: 600; margin-bottom: 16px; }
.footer__col ul { list-style: none; }
.footer__col li { margin-bottom: 10px; }
.footer__col a { color: var(--gray-400); font-size: 0.9rem; }
.footer__col a:hover { color: var(--white); }
/* Contact list with icons aligned */
.footer__contact-list li {
    display: flex; align-items: flex-start; gap: 8px;
    color: var(--gray-400); font-size: 0.88rem; line-height: 1.5;
}
.footer__contact-list a { color: var(--gray-400); }
.footer__contact-list a:hover { color: var(--white); }
.footer__disclaimer {
    padding: 24px 0; border-top: 1px solid rgba(255,255,255,0.1);
    font-size: 0.8rem; line-height: 1.7; color: var(--gray-500);
}
.footer__disclaimer p { margin-bottom: 12px; }
.footer__bottom {
    padding: 20px 0; border-top: 1px solid rgba(255,255,255,0.1);
    text-align: center; font-size: 0.85rem;
}

/* --- Responsive --- */
@media (max-width: 1024px) {
    .hero__inner { grid-template-columns: 1fr; gap: 40px; }
    .hero__title { font-size: 2.5rem; }
    .hero__stats--desktop { display: none; }
    .hero__stats--mobile { display: flex; }
    .steps { grid-template-columns: 1fr; gap: 16px; }
    .features { grid-template-columns: 1fr 1fr; }
    .credit-types-home-grid { grid-template-columns: 1fr 1fr; }
    .footer__grid { grid-template-columns: 1fr 1fr; }
    .result-card { grid-template-columns: 1fr; gap: 16px; }
    .result-card__details { grid-template-columns: repeat(2, 1fr); }
    .contact-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
    .hero { padding: 60px 0 80px; }
    .hero__title { font-size: 2rem; }
    .hero__stats { gap: 8px; }
    .hero__stat-card { padding: 12px 14px; border-radius: 12px; }
    .hero__stat-value { font-size: 1.25rem; white-space: nowrap; }
    .hero__stat-label { font-size: 0.72rem; }
    .simulator { padding: 28px; }
    .section { padding: 60px 0; }
    .section__title { font-size: 1.8rem; }
    .features { grid-template-columns: 1fr; }
    .credit-types-home-grid { grid-template-columns: 1fr; }
    .footer__grid { grid-template-columns: 1fr; gap: 32px; }

    .nav__toggle {
        display: flex;
        width: 42px; height: 42px;
        border-radius: 10px;
        border: 1.5px solid var(--gray-200) !important;
        align-items: center; justify-content: center;
        background: #fff !important;
        transition: border-color 0.2s, box-shadow 0.2s;
    }
    .nav__toggle:hover { border-color: var(--primary) !important; box-shadow: 0 0 0 3px rgba(58,182,207,0.1); }
    .nav__toggle span { background: var(--gray-700); }

    .nav__links {
        position: fixed; top: 72px; left: 0; right: 0;
        background: #fff;
        flex-direction: column;
        padding: 12px 16px 20px;
        gap: 4px;
        border-bottom: 2px solid var(--primary);
        box-shadow: 0 8px 32px rgba(0,0,0,0.12);
        transform: translateY(-110%);
        transition: transform 0.3s cubic-bezier(0.4,0,0.2,1), opacity 0.3s;
        opacity: 0;
        z-index: 999;
    }
    .nav__links.active {
        transform: translateY(0);
        opacity: 1;
    }
    .nav__links li { width: 100%; }
    .nav__links li:not(:last-child) {
        border-bottom: 1px solid var(--gray-100);
    }
    .nav__links a {
        width: 100%; padding: 13px 12px;
        display: flex; align-items: center;
        font-size: 1rem; font-weight: 600;
        border-radius: 8px;
        color: var(--gray-700);
    }
    .nav__links a.active {
        color: var(--primary); background: var(--primary-ultra-light);
    }
    .nav__links li:last-child { border-bottom: none; padding-top: 12px; }
    .nav__cta {
        margin-left: 0; width: 100%;
        justify-content: center; text-align: center;
        padding: 14px !important; font-size: 1rem !important;
        border-radius: var(--radius) !important;
    }
    .lead-form__summary { flex-direction: column; gap: 12px; }
}

@media (max-width: 480px) {
    .hero__title { font-size: 1.7rem; }
    .hero__stats { flex-direction: row; gap: 8px; }
    .hero__stat-card { padding: 10px 10px; text-align: center; }
    .sim-result { grid-template-columns: 1fr; gap: 12px; }
    .slider-value__current { font-size: 1.4rem; }
    .result-card__details { grid-template-columns: 1fr; }
}

/* ===== TIPAS PAGE ===== */
.tipas-section {
    min-height: 80vh;
    background: linear-gradient(160deg, #f0fafb 0%, #e6f6f9 30%, #f8f8f8 60%, #fdf0f5 100%);
    padding: 48px 0 80px;
}
.tipas-wrapper {
    max-width: 720px;
    margin: 0 auto;
}

/* Progress steps */
.tipas-steps {
    display: flex; align-items: center; justify-content: center;
    gap: 0; margin-bottom: 32px;
}
.tipas-steps__item {
    display: flex; flex-direction: column; align-items: center; gap: 6px;
}
.tipas-steps__dot {
    width: 36px; height: 36px; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 0.9rem; font-weight: 700;
    background: var(--gray-200); color: var(--gray-500);
    border: 2px solid var(--gray-200);
    transition: all 0.3s;
}
.tipas-steps__label {
    font-size: 0.78rem; color: var(--gray-400); font-weight: 500;
    transition: color 0.3s;
}
.tipas-steps__item--active .tipas-steps__dot {
    background: var(--primary); color: #fff; border-color: var(--primary);
}
.tipas-steps__item--active .tipas-steps__label { color: var(--primary); }
.tipas-steps__item--done .tipas-steps__dot {
    background: var(--primary-dark); color: #fff; border-color: var(--primary-dark);
}
.tipas-steps__line {
    flex: 1; height: 2px; background: var(--gray-200);
    margin: 0 12px; margin-bottom: 20px;
    max-width: 100px;
    transition: background 0.3s;
}
.tipas-steps__line--done {
    background: var(--primary-dark);
}

/* Summary bar */
.tipas-summary {
    display: flex; align-items: center; justify-content: space-between;
    background: #fff; border-radius: var(--radius);
    border: 1px solid rgba(58,182,207,0.2);
    padding: 14px 20px;
    margin-bottom: 32px;
    box-shadow: 0 2px 12px rgba(58,182,207,0.08);
}
.tipas-summary__items {
    display: flex; align-items: center; gap: 0;
}
.tipas-summary__item {
    display: flex; flex-direction: column; align-items: center;
    padding: 0 20px;
}
.tipas-summary__label {
    font-size: 0.72rem; color: var(--gray-400); text-transform: uppercase;
    letter-spacing: 0.05em; font-weight: 600;
}
.tipas-summary__value {
    font-size: 1rem; font-weight: 800; color: var(--dark-bg);
    margin-top: 2px;
}
.tipas-summary__sep {
    width: 1px; height: 36px; background: var(--gray-200);
}
.tipas-summary__edit {
    font-size: 0.82rem; color: var(--primary); font-weight: 600;
    text-decoration: none; white-space: nowrap;
    padding: 6px 14px; border-radius: 20px;
    border: 1.5px solid var(--primary);
    transition: background 0.2s, color 0.2s;
}
.tipas-summary__edit:hover {
    background: var(--primary); color: #fff;
}

/* Headings */
.tipas-heading {
    font-size: 1.5rem; font-weight: 800; color: var(--dark-bg);
    margin-bottom: 6px; text-align: center;
}
.tipas-subheading {
    font-size: 0.92rem; color: var(--gray-500);
    text-align: center; margin-bottom: 28px;
}

/* Credit type cards grid */
.credit-types-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
    gap: 14px;
    margin-bottom: 32px;
}
.credit-type-card {
    background: #fff;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    padding: 20px 16px 16px;
    display: flex; flex-direction: column; align-items: center;
    gap: 10px;
    cursor: pointer;
    position: relative;
    transition: border-color 0.2s, box-shadow 0.2s, transform 0.15s;
    user-select: none;
    text-align: center;
}
.credit-type-card:hover {
    border-color: var(--primary);
    box-shadow: 0 4px 16px rgba(58,182,207,0.15);
    transform: translateY(-2px);
}
.credit-type-card--selected {
    border-color: var(--primary);
    background: linear-gradient(135deg, #f0fafb 0%, #e8f8fc 100%);
    box-shadow: 0 4px 20px rgba(58,182,207,0.2);
}
.credit-type-card__icon {
    width: 52px; height: 52px; border-radius: 50%;
    background: var(--primary-ultra-light);
    display: flex; align-items: center; justify-content: center;
    color: var(--primary);
    transition: background 0.2s;
}
.credit-type-card--selected .credit-type-card__icon {
    background: var(--primary); color: #fff;
}
.credit-type-card__label {
    font-size: 0.85rem; font-weight: 600; color: var(--dark-bg);
    line-height: 1.3;
}
.credit-type-card__check {
    width: 20px; height: 20px; border-radius: 50%;
    background: var(--primary); color: #fff;
    display: flex; align-items: center; justify-content: center;
    position: absolute; top: 10px; right: 10px;
    opacity: 0; transform: scale(0.5);
    transition: opacity 0.2s, transform 0.2s;
}
.credit-type-card--selected .credit-type-card__check {
    opacity: 1; transform: scale(1);
}

/* Warning message */
.tipas-warning {
    display: flex; align-items: center; gap: 10px;
    background: #fff5f5;
    border: 1.5px solid #f87171;
    color: #c0392b;
    border-radius: 10px;
    padding: 12px 16px;
    font-size: 0.9rem; font-weight: 600;
    margin-bottom: 20px;
}
.tipas-warning svg { color: #e74c3c; flex-shrink: 0; }

@keyframes tipas-shake {
    0%   { transform: translateX(0); }
    15%  { transform: translateX(-6px); }
    30%  { transform: translateX(6px); }
    45%  { transform: translateX(-4px); }
    60%  { transform: translateX(4px); }
    75%  { transform: translateX(-2px); }
    90%  { transform: translateX(2px); }
    100% { transform: translateX(0); }
}
.tipas-warning--shake {
    animation: tipas-shake 0.45s ease;
}

/* CTA area */
.tipas-cta {
    display: flex; flex-direction: column; align-items: center; gap: 10px;
}
.tipas-cta__note {
    font-size: 0.78rem; color: var(--gray-400);
}
.btn--lg {
    padding: 16px 40px; font-size: 1rem;
}

/* Back button */
.tipas-back {
    background: none; border: none; cursor: pointer;
    color: var(--gray-500); font-size: 0.88rem; font-weight: 600;
    padding: 0; margin-bottom: 20px;
    display: flex; align-items: center; gap: 4px;
    transition: color 0.2s;
}
.tipas-back:hover { color: var(--primary); }

/* Form 2-column grid */
.tipas-form-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 16px;
}

/* Responsive */
@media (max-width: 600px) {
    .tipas-summary { flex-direction: column; gap: 12px; }
    .tipas-summary__items { gap: 0; width: 100%; justify-content: space-between; }
    .tipas-summary__item { padding: 0 10px; }
    .credit-types-grid { grid-template-columns: 1fr 1fr; }
    .tipas-form-grid { grid-template-columns: 1fr; }
    .tipas-heading { font-size: 1.25rem; }
}