/* ===== V2 STYLE — Premium Financial Advisor ===== */

/* --- CSS Variables --- */
:root {
  --navy: #0A1628;
  --navy-light: #1A2744;
  --gold: #D4A843;
  --gold-soft: #F5E6C0;
  --gold-dark: #B8922E;
  --emerald: #10B981;
  --surface: rgba(26,39,68,0.6);
  --glass: rgba(255,255,255,0.05);
  --glass-border: rgba(255,255,255,0.08);
  --text: #E2E8F0;
  --text-muted: #94A3B8;
  --light-bg: #F8FAFC;
  --light-text: #1E293B;
  --light-muted: #64748B;
  --radius: 16px;
  --radius-sm: 10px;
  --transition: .3s cubic-bezier(.4,0,.2,1);
  --nav-h: 72px;
}

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

html { scroll-behavior: smooth; scroll-padding-top: var(--nav-h); }

body {
  font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
  background: var(--navy);
  color: var(--text);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--gold); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold-soft); }

/* --- Light mode --- */
body.light {
  background: var(--light-bg);
  color: var(--light-text);
  --text: #1E293B;
  --text-muted: #64748B;
  --surface: rgba(255,255,255,0.8);
  --glass: rgba(0,0,0,0.03);
  --glass-border: rgba(0,0,0,0.08);
}

/* ===== NAVIGATION ===== */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(10,22,40,0.85);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--glass-border);
  height: var(--nav-h);
  transition: background var(--transition);
}
body.light .nav {
  background: rgba(248,250,252,0.9);
  border-bottom-color: rgba(0,0,0,0.06);
}
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}
.nav-logo {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text);
  letter-spacing: -0.02em;
}
.nav-logo span { color: var(--gold); }
.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
  list-style: none;
}
.nav-links a {
  color: var(--text-muted);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color var(--transition);
  position: relative;
}
.nav-links a:not(.nav-cta)::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  border-radius: 1px;
  transition: width var(--transition);
}
.nav-links a:not(.nav-cta):hover::after { width: 100%; }
.nav-links a:hover { color: var(--gold); }
.nav-cta {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy) !important;
  padding: 10px 22px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.88rem;
  transition: transform var(--transition), box-shadow var(--transition);
}
.nav-cta:hover {
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(212,168,67,0.3);
  color: var(--navy) !important;
}
.scroll-progress {
  position: absolute;
  bottom: 0;
  left: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--emerald));
  width: 0%;
  transition: none;
}
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.hamburger span {
  width: 24px;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: var(--transition);
}
.dark-toggle {
  background: none;
  border: 1px solid var(--glass-border);
  color: var(--text-muted);
  width: 38px;
  height: 38px;
  border-radius: 50%;
  cursor: pointer;
  font-size: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}
.dark-toggle:hover { border-color: var(--gold); color: var(--gold); }

/* ===== HERO ===== */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  position: relative;
  overflow: hidden;
  padding: 120px 24px 80px;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, #0A1628 0%, #1a1040 25%, #0A1628 50%, #0d2847 75%, #0A1628 100%);
  background-size: 300% 300%;
  animation: heroGradient 12s ease infinite;
  z-index: 0;
}
.hero-bg-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.18;
  mix-blend-mode: lighten;
  pointer-events: none;
}
body.light .hero-bg {
  background: linear-gradient(135deg, #e0e7ff 0%, #f0f4ff 25%, #e8eeff 50%, #dde6ff 75%, #e0e7ff 100%);
  background-size: 300% 300%;
  animation: heroGradient 12s ease infinite;
}
body.light .hero-bg-img {
  opacity: 0.12;
  mix-blend-mode: multiply;
}
@keyframes heroGradient {
  0% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}
.hero-content {
  position: relative;
  z-index: 1;
  max-width: 720px;
}
.hero h1 {
  font-size: clamp(2.5rem, 6vw, 4.2rem);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin-bottom: 20px;
}
.hero h1 .gold { color: var(--gold); }
.hero p {
  font-size: clamp(1.05rem, 2vw, 1.25rem);
  color: var(--text-muted);
  margin-bottom: 36px;
  max-width: 540px;
  margin-left: auto;
  margin-right: auto;
}
.hero-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  padding: 16px 36px;
  border-radius: 50px;
  font-size: 1.05rem;
  font-weight: 700;
  transition: transform var(--transition), box-shadow var(--transition);
}
.hero-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 36px rgba(212,168,67,0.35);
  color: var(--navy);
}
.scroll-indicator {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 1;
  animation: bounce 2s infinite;
  color: var(--text-muted);
  font-size: 1.5rem;
}
@keyframes bounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50% { transform: translateX(-50%) translateY(10px); }
}

/* ===== TRUST BAR ===== */
.trust-bar {
  background: var(--navy-light);
  border-top: 1px solid var(--glass-border);
  border-bottom: 1px solid var(--glass-border);
  padding: 28px 24px;
}
body.light .trust-bar {
  background: #EEF2FF;
  border-color: rgba(0,0,0,0.06);
}
.trust-bar-inner {
  max-width: 1000px;
  margin: 0 auto;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 48px;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.95rem;
  color: var(--text-muted);
  white-space: nowrap;
}
.trust-item i {
  color: var(--gold);
  font-size: 1.1rem;
  transition: transform var(--transition);
}
.trust-item:hover i {
  transform: scale(1.2);
}
.trust-item strong {
  color: var(--text);
  font-weight: 700;
}

/* ===== SECTIONS ===== */
.section {
  padding: 100px 24px;
  max-width: 1200px;
  margin: 0 auto;
}
.section-alt {
  background: var(--navy-light);
}
body.light .section-alt {
  background: #F1F5F9;
}
.section-title {
  font-size: clamp(1.8rem, 4vw, 2.5rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}
.section-title .gold { color: var(--gold); }
.section-sub {
  color: var(--text-muted);
  font-size: 1.05rem;
  margin-bottom: 48px;
  max-width: 560px;
}
.section-center { text-align: center; }
.section-center .section-sub { margin-left: auto; margin-right: auto; }

/* ===== ABOUT ===== */
.about-grid {
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 60px;
  align-items: center;
}
.about-photo {
  border-radius: var(--radius);
  overflow: hidden;
  position: relative;
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}
.about-photo::after {
  content: '';
  position: absolute;
  inset: -4px;
  border-radius: calc(var(--radius) + 4px);
  border: 2px solid var(--gold);
  opacity: 0.3;
  pointer-events: none;
}
.about-photo img { width: 100%; aspect-ratio: 3/4; object-fit: cover; }
.about-text h2 { margin-bottom: 20px; }
.about-text p { color: var(--text-muted); margin-bottom: 16px; }
.about-quote {
  margin-top: 24px;
  padding-left: 20px;
  border-left: 3px solid var(--gold);
  font-style: italic;
  color: var(--gold-soft);
}
body.light .about-quote { color: var(--gold-dark); }

/* ===== BENTO SERVICES ===== */
.bento-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  grid-template-rows: auto auto;
  gap: 20px;
}
.bento-card {
  background: var(--surface);
  backdrop-filter: blur(12px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  padding: 40px 32px;
  transition: transform var(--transition), box-shadow var(--transition);
  position: relative;
  overflow: hidden;
}
.bento-card > picture {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
}
.bento-card-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center center;
  z-index: 0;
  filter: blur(3px);
  transition: transform 0.6s cubic-bezier(0.4,0,0.2,1), filter 0.6s cubic-bezier(0.4,0,0.2,1);
}
.bento-card:hover .bento-card-img {
  transform: scale(1.08);
  filter: blur(0px);
}
.bento-card-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
}
/* Dark mode overlays */
.bento-card .bento-card-overlay {
  background: linear-gradient(to bottom, rgba(10,22,40,0.85) 0%, rgba(10,22,40,0.62) 60%, rgba(10,22,40,0.50) 100%);
}
.bento-card.large .bento-card-overlay {
  background: linear-gradient(to right, rgba(10,22,40,0.88) 0%, rgba(10,22,40,0.65) 55%, rgba(10,22,40,0.50) 100%);
}
/* Light mode overlays */
body.light .bento-card .bento-card-overlay {
  background: linear-gradient(to bottom, rgba(255,255,255,0.90) 0%, rgba(255,255,255,0.68) 60%, rgba(255,255,255,0.52) 100%);
}
body.light .bento-card.large .bento-card-overlay {
  background: linear-gradient(to right, rgba(255,255,255,0.92) 0%, rgba(255,255,255,0.72) 55%, rgba(255,255,255,0.52) 100%);
}
.bento-card-content {
  position: relative;
  z-index: 2;
  text-shadow: 0 1px 4px rgba(0,0,0,0.5);
}
body.light .bento-card-content {
  text-shadow: 0 1px 4px rgba(255,255,255,0.7);
}
.bento-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), transparent);
  opacity: 0;
  transition: opacity var(--transition);
}
.bento-card:hover { transform: translateY(-4px); box-shadow: 0 16px 48px rgba(0,0,0,0.2), 0 0 0 1px rgba(212,168,67,0.2); border-color: rgba(212,168,67,0.25); }
.bento-card:hover::before { opacity: 1; }
.bento-card.large { grid-column: 1 / -1; }
.bento-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(212,168,67,0.15), rgba(212,168,67,0.05));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  color: var(--gold);
  margin-bottom: 20px;
}
.bento-card h3 {
  font-size: 1.3rem;
  font-weight: 700;
  margin-bottom: 12px;
}
.bento-card p {
  color: var(--text);
  opacity: 0.85;
  font-size: 0.95rem;
  line-height: 1.7;
}
.bento-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 20px;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--gold);
}
.bento-link:hover { gap: 10px; }

/* ===== STEPS ===== */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  position: relative;
}
.step {
  text-align: center;
  padding: 32px 24px;
}
.step-num {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  font-size: 1.3rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  transition: transform var(--transition), box-shadow var(--transition);
}
.step:hover .step-num {
  transform: scale(1.12);
  box-shadow: 0 6px 20px rgba(212,168,67,0.35);
}
.step h3 {
  font-size: 1.15rem;
  margin-bottom: 8px;
}
.step p {
  color: var(--text-muted);
  font-size: 0.92rem;
}

/* ===== CALC PROMO ===== */
.calc-promo-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.calc-promo-card {
  background: var(--surface);
  backdrop-filter: blur(12px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  padding: 32px 28px;
  text-align: center;
  transition: transform var(--transition), box-shadow var(--transition);
}
.calc-promo-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,0,0,0.2), 0 0 0 1px rgba(212,168,67,0.2); border-color: rgba(212,168,67,0.25); }
.calc-promo-img {
  width: 100%;
  max-height: 180px;
  object-fit: cover;
  border-radius: var(--radius-sm);
  margin-bottom: 16px;
}
.calc-promo-card i {
  font-size: 2rem;
  color: var(--gold);
  margin-bottom: 16px;
}
.calc-promo-card h3 {
  font-size: 1.1rem;
  margin-bottom: 8px;
}
.calc-promo-card p {
  color: var(--text-muted);
  font-size: 0.9rem;
  margin-bottom: 20px;
}
.calc-promo-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  font-size: 0.95rem;
}
.calc-promo-link:hover { gap: 10px; }

/* ===== TESTIMONIALS ===== */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: var(--surface);
  backdrop-filter: blur(12px);
  border: 1px solid var(--glass-border);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 32px 28px;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.testimonial-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 36px rgba(0,0,0,0.15), 0 0 0 1px rgba(212,168,67,0.15);
}
.testimonial-stars {
  color: var(--gold);
  font-size: 0.9rem;
  margin-bottom: 16px;
  letter-spacing: 2px;
}
.testimonial-text {
  font-style: italic;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 20px;
  position: relative;
  padding-left: 20px;
}
.testimonial-text::before {
  content: '\201E';
  position: absolute;
  left: 0;
  top: -4px;
  font-size: 1.8rem;
  color: var(--gold);
  font-style: normal;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.testimonial-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  font-weight: 700;
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
img.testimonial-avatar {
  object-fit: cover;
  border: 2px solid var(--gold);
}
.testimonial-name { font-weight: 600; font-size: 0.95rem; }
.testimonial-role { color: var(--text-muted); font-size: 0.82rem; }

/* ===== CERTIFICATIONS ===== */
.cert-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.cert-card {
  background: var(--surface);
  backdrop-filter: blur(12px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  padding: 28px 24px;
  text-align: center;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.cert-card:hover { transform: translateY(-3px); box-shadow: 0 8px 28px rgba(0,0,0,0.12), 0 0 0 1px rgba(212,168,67,0.15); border-color: rgba(212,168,67,0.2); }
.cert-card i {
  font-size: 2rem;
  color: var(--gold);
  margin-bottom: 12px;
  transition: transform var(--transition);
}
.cert-card:hover i { transform: scale(1.15); }
.cert-card h4 {
  font-size: 1rem;
  margin-bottom: 6px;
}
.cert-card p {
  color: var(--text-muted);
  font-size: 0.82rem;
}
.cert-verify-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 12px;
  font-weight: 600;
  font-size: 0.82rem;
  color: var(--gold);
}
.cert-verify-link:hover { gap: 10px; }

/* --- Trust strip --- */
.calc-trust-strip {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-bottom: 16px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--glass-border);
}
.calc-trust-strip span {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  white-space: nowrap;
}
.calc-trust-strip i { color: var(--gold); font-size: 0.85rem; }

/* --- Certificate lightbox --- */
.cert-lightbox-overlay {
  position: fixed;
  inset: 0;
  z-index: 1999;
  background: rgba(0,0,0,.7);
  opacity: 0;
  transition: opacity .3s ease;
  pointer-events: none;
}
.cert-lightbox-overlay.visible { opacity: 1; pointer-events: auto; }

.cert-lightbox {
  position: fixed;
  z-index: 2000;
  top: 50%;
  left: 50%;
  transform: translate(-50%,-50%) scale(.92);
  width: calc(100% - 48px);
  max-width: 800px;
  max-height: 90vh;
  background: var(--surface);
  backdrop-filter: blur(16px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  box-shadow: 0 20px 60px rgba(0,0,0,.4);
  padding: 24px;
  opacity: 0;
  pointer-events: none;
  transition: opacity .3s ease, transform .3s ease;
  display: flex;
  flex-direction: column;
  align-items: center;
}
.cert-lightbox.visible {
  opacity: 1;
  transform: translate(-50%,-50%) scale(1);
  pointer-events: auto;
}
body.light .cert-lightbox {
  background: rgba(255,255,255,.95);
  box-shadow: 0 20px 60px rgba(15,23,42,.18);
}
.cert-lightbox-close {
  position: absolute;
  top: 12px;
  right: 16px;
  background: none;
  border: none;
  color: var(--text-muted);
  font-size: 1.5rem;
  cursor: pointer;
  transition: color var(--transition);
  z-index: 1;
}
.cert-lightbox-close:hover { color: var(--gold); }
.cert-lightbox-media {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  min-height: 0;
  overflow: hidden;
}
.cert-lightbox-media img {
  max-width: 100%;
  max-height: 65vh;
  border-radius: var(--radius-sm);
  object-fit: contain;
}
.cert-lightbox-pdf {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  padding: 40px 20px;
  text-align: center;
}
.cert-lightbox-pdf i { font-size: 3rem; color: var(--gold); }
.cert-lightbox-pdf a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  padding: 12px 24px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 0.9rem;
  transition: transform var(--transition), box-shadow var(--transition);
}
.cert-lightbox-pdf a:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(212,168,67,.3);
  color: var(--navy);
}
.cert-lightbox-footer {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-top: 16px;
  width: 100%;
}
.cert-lightbox-nav {
  background: none;
  border: 1px solid var(--glass-border);
  color: var(--text-muted);
  width: 40px;
  height: 40px;
  border-radius: 50%;
  cursor: pointer;
  font-size: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}
.cert-lightbox-nav:hover { border-color: var(--gold); color: var(--gold); }
.cert-lightbox-caption {
  text-align: center;
  min-width: 140px;
}
.cert-lightbox-caption strong {
  display: block;
  font-size: 0.95rem;
  margin-bottom: 2px;
}
.cert-lightbox-caption span {
  font-size: 0.8rem;
  color: var(--text-muted);
}
.cert-lightbox-counter {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: 8px;
}

@media (max-width: 768px) {
  .cert-lightbox {
    width: calc(100% - 24px);
    padding: 16px;
    max-height: 85vh;
  }
  .cert-lightbox-media img { max-height: 50vh; }
  .calc-trust-strip { gap: 12px; font-size: 0.7rem; }
}

/* ===== COMPARE (Proč nezávislý poradce) ===== */
.compare-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  max-width: 1000px;
  margin: 0 auto;
}
.compare-col {
  background: var(--surface);
  backdrop-filter: blur(12px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  padding: 0;
  overflow: hidden;
}
.compare-col.compare-highlight {
  border-top: 3px solid var(--gold);
  box-shadow: 0 0 24px rgba(212,168,67,0.08);
}
.compare-header {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 20px 24px;
  font-weight: 700;
  font-size: 1.1rem;
  border-bottom: 1px solid var(--glass-border);
}
.compare-header i {
  color: var(--gold);
  font-size: 1.2rem;
}
.compare-row {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 16px 24px;
  border-bottom: 1px solid var(--glass-border);
  font-size: 0.92rem;
  line-height: 1.5;
}
.compare-row:last-child {
  border-bottom: none;
}
.compare-label {
  font-weight: 600;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--text-muted);
}
.compare-value {
  display: flex;
  align-items: flex-start;
  gap: 8px;
}
.compare-value i {
  margin-top: 3px;
  flex-shrink: 0;
}
.compare-check {
  color: var(--gold);
}
.compare-cross {
  color: #EF4444;
  opacity: 0.7;
}
.compare-neutral {
  color: var(--text-muted);
}

@media (max-width: 768px) {
  .compare-grid {
    grid-template-columns: 1fr;
  }
}

/* ===== FAQ ===== */
.faq-list {
  max-width: 720px;
  margin: 0 auto;
}
.faq-item {
  border-bottom: 1px solid var(--glass-border);
}
.faq-question {
  width: 100%;
  background: none;
  border: none;
  color: var(--text);
  font-size: 1.05rem;
  font-weight: 600;
  text-align: left;
  padding: 20px 0;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  font-family: inherit;
}
.faq-question::after {
  content: '+';
  font-size: 1.4rem;
  color: var(--gold);
  transition: transform var(--transition);
  flex-shrink: 0;
}
.faq-item.open .faq-question::after {
  transform: rotate(45deg);
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .35s ease;
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.7;
}
.faq-item.open .faq-answer {
  max-height: 300px;
  padding-bottom: 20px;
}

/* ===== CONTACT ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.contact-info h3 {
  font-size: 1.2rem;
  margin-bottom: 24px;
}
.contact-item {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 20px;
  color: var(--text-muted);
}
.contact-item i {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(212,168,67,0.1);
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}
.contact-item a { color: var(--text); }
.contact-item a:hover { color: var(--gold); }

/* --- Form --- */
.v2-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text-muted);
}
.form-group input,
.form-group textarea,
.form-group select {
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  color: var(--text);
  padding: 12px 16px;
  font-size: 0.95rem;
  font-family: inherit;
  transition: border-color var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(212,168,67,0.12);
}
.form-group textarea { resize: vertical; min-height: 100px; }
.form-submit {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  border: none;
  border-radius: 50px;
  padding: 14px 32px;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: transform var(--transition), box-shadow var(--transition);
  align-self: flex-start;
  font-family: inherit;
}
.form-submit:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(212,168,67,0.3);
}
.form-submit:disabled {
  opacity: 0.6;
  cursor: not-allowed;
  transform: none;
}
.form-consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.82rem;
  color: var(--text-muted);
}
.form-consent input[type="checkbox"] { margin-top: 3px; accent-color: var(--gold); }
.form-status {
  font-size: 0.9rem;
  padding: 8px 0;
}
.form-status.success { color: var(--emerald); }
.form-status.error { color: #EF4444; }

/* ===== FOOTER ===== */
.footer {
  background: var(--navy-light);
  border-top: 1px solid var(--glass-border);
  padding: 40px 24px;
  text-align: center;
  font-size: 0.85rem;
  color: var(--text-muted);
}
body.light .footer {
  background: #E2E8F0;
  border-color: rgba(0,0,0,0.06);
}
.footer-links {
  display: flex;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
  margin-bottom: 16px;
}
.footer-links a {
  color: var(--text-muted);
  font-size: 0.82rem;
}
.footer-links a:hover { color: var(--gold); }

/* ===== FLOATING CTA ===== */
.floating-cta {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 900;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 0.95rem;
  box-shadow: 0 8px 32px rgba(212,168,67,0.4);
  cursor: pointer;
  transition: transform var(--transition), box-shadow var(--transition), opacity var(--transition);
  opacity: 0;
  pointer-events: none;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  animation: pulse 2s ease-in-out infinite;
}
.floating-cta.visible { opacity: 1; pointer-events: auto; }
.floating-cta:hover {
  transform: translateY(-2px) scale(1.03);
  box-shadow: 0 12px 40px rgba(212,168,67,0.5);
  color: var(--navy);
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 8px 32px rgba(212,168,67,0.4); }
  50% { box-shadow: 0 8px 32px rgba(212,168,67,0.6), 0 0 0 8px rgba(212,168,67,0.1); }
}

/* ===== FADE IN ===== */
.fade-in {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
/* Staggered fade-in for grid children */
.fade-in:nth-child(2) { transition-delay: 0.1s; }
.fade-in:nth-child(3) { transition-delay: 0.2s; }
.fade-in:nth-child(4) { transition-delay: 0.3s; }
.fade-in:nth-child(5) { transition-delay: 0.4s; }
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ===== CALCULATOR PAGES ===== */
.calc-page-hero {
  padding: calc(var(--nav-h) + 48px) 24px 48px;
  text-align: center;
  background: var(--navy-light);
}
body.light .calc-page-hero { background: #EEF2FF; }
.calc-page-hero h1 {
  font-size: clamp(1.8rem, 4vw, 2.5rem);
  font-weight: 800;
  margin-bottom: 8px;
}
.calc-page-hero p {
  color: var(--text-muted);
  font-size: 1rem;
}

.calc-container {
  max-width: 720px;
  margin: -24px auto 80px;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}
.calc-card {
  background: var(--surface);
  backdrop-filter: blur(12px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius);
  padding: 40px 36px;
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 28px;
}
.calc-grid .form-group.full { grid-column: 1 / -1; }
.calc-btn {
  width: 100%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  border: none;
  border-radius: 50px;
  padding: 14px 0;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: transform var(--transition), box-shadow var(--transition);
  font-family: inherit;
}
.calc-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(212,168,67,0.3);
}
.calc-result {
  margin-top: 32px;
  padding-top: 28px;
  border-top: 1px solid var(--glass-border);
}
.calc-result h3 {
  font-size: 1.2rem;
  margin-bottom: 20px;
}
.calc-row {
  display: flex;
  justify-content: space-between;
  padding: 12px 0;
  border-bottom: 1px solid var(--glass-border);
  font-size: 0.95rem;
}
.calc-row:last-of-type { border-bottom: none; }
.calc-row span:first-child { color: var(--text-muted); }
.calc-row span:last-child { font-weight: 700; color: var(--gold); }
.calc-note {
  margin-top: 16px;
  font-size: 0.82rem;
  color: var(--text-muted);
  font-style: italic;
}
.calc-gate {
  margin-top: 32px;
  padding: 28px;
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
}
.calc-gate h4 {
  font-size: 1.05rem;
  margin-bottom: 4px;
}
.calc-gate > p {
  color: var(--text-muted);
  font-size: 0.88rem;
  margin-bottom: 20px;
}
.calc-cta-box {
  margin-top: 28px;
  padding: 24px;
  background: linear-gradient(135deg, rgba(212,168,67,0.1), rgba(16,185,129,0.05));
  border: 1px solid rgba(212,168,67,0.2);
  border-radius: var(--radius-sm);
  text-align: center;
}
.calc-cta-box h4 { margin-bottom: 12px; }
.calc-cta-box .cta-links {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}
.calc-cta-box .cta-links a {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  font-size: 0.92rem;
}
.calc-reset {
  display: block;
  margin: 20px auto 0;
  background: none;
  border: 1px solid var(--glass-border);
  color: var(--text-muted);
  padding: 10px 24px;
  border-radius: 50px;
  cursor: pointer;
  font-size: 0.88rem;
  font-family: inherit;
  transition: var(--transition);
}
.calc-reset:hover { border-color: var(--gold); color: var(--gold); }

/* ===== CHART CONTAINERS ===== */
.calc-charts {
  display: none;
  margin-top: 32px;
  padding-top: 28px;
  border-top: 1px solid var(--glass-border);
}
.chart-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 20px;
}
.chart-box,
.chart-box-wide {
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  padding: 20px;
}
.chart-box-wide {
  grid-column: 1 / -1;
}
.chart-box h4,
.chart-box-wide h4 {
  font-size: 0.92rem;
  font-weight: 600;
  margin-bottom: 12px;
  color: var(--text-muted);
}
.chart-canvas-wrap {
  position: relative;
  width: 100%;
  aspect-ratio: 16 / 9;
}
.chart-canvas-wrap.doughnut {
  aspect-ratio: 1 / 1;
  max-width: 280px;
  margin: 0 auto;
}
.chart-canvas-wrap canvas {
  width: 100% !important;
  height: 100% !important;
}

/* ===== SUMMARY CARDS ===== */
.calc-summary-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 16px;
  margin-bottom: 20px;
}
.summary-card {
  background: var(--glass);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  padding: 20px;
  text-align: center;
}
.summary-card-highlight {
  background: var(--glass);
  border: 1px solid var(--gold);
  border-radius: var(--radius-sm);
  padding: 20px;
  text-align: center;
  box-shadow: 0 0 20px rgba(212,168,67,0.1);
}
.summary-card.full,
.summary-card-highlight.full {
  grid-column: 1 / -1;
}
.summary-label {
  font-size: 0.82rem;
  color: var(--text-muted);
  margin-bottom: 6px;
  font-weight: 500;
}
.summary-value {
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--gold);
}
.summary-value.highlight {
  font-size: 2rem;
}

/* ===== BREAKDOWN ROWS (insurance) ===== */
.calc-breakdown {
  display: none;
  margin-top: 16px;
}
.calc-row-deduct span:first-child { color: var(--text-muted); }
.calc-row-deduct span:last-child { color: #EF4444 !important; font-weight: 700; }

/* ===== RANGE SLIDERS ===== */
.range-wrap {
  margin-top: 6px;
}
.range-wrap input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: var(--glass-border);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
}
.range-wrap input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border: 2px solid var(--glass-border);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(212,168,67,0.3);
  transition: transform 0.15s ease;
}
.range-wrap input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}
.range-wrap input[type="range"]::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border: 2px solid var(--glass-border);
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(212,168,67,0.3);
}
.range-wrap input[type="range"]::-moz-range-track {
  height: 6px;
  background: var(--glass-border);
  border-radius: 3px;
}

/* ===== URGENCY BAR ===== */
.urgency {
  text-align: center;
  padding: 14px;
  background: rgba(212,168,67,0.08);
  border: 1px solid rgba(212,168,67,0.15);
  border-radius: var(--radius-sm);
  margin-top: 20px;
  font-size: 0.88rem;
  color: var(--gold-soft);
}
body.light .urgency { color: var(--gold-dark); }
.urgency strong { color: var(--gold); }

/* ===== RESPONSIVE ===== */
@media (max-width: 768px) {
  .nav-links {
    display: none;
    position: absolute;
    top: var(--nav-h);
    left: 0;
    right: 0;
    background: rgba(10,22,40,0.98);
    backdrop-filter: blur(20px);
    flex-direction: column;
    padding: 20px 24px;
    gap: 12px;
    border-bottom: 1px solid var(--glass-border);
  }
  body.light .nav-links { background: rgba(248,250,252,0.98); }
  .nav-links.open { display: flex; }
  .hamburger { display: flex; }
  .about-grid { grid-template-columns: 1fr; gap: 32px; }
  .about-photo { max-width: 280px; margin: 0 auto; }
  .bento-grid { grid-template-columns: 1fr; }
  .bento-card.large { grid-column: 1; }
  .bento-card.large .bento-card-overlay {
    background: linear-gradient(to bottom, rgba(10,22,40,0.85) 0%, rgba(10,22,40,0.62) 60%, rgba(10,22,40,0.50) 100%);
  }
  body.light .bento-card.large .bento-card-overlay {
    background: linear-gradient(to bottom, rgba(255,255,255,0.90) 0%, rgba(255,255,255,0.68) 60%, rgba(255,255,255,0.52) 100%);
  }
  .steps-grid { grid-template-columns: 1fr; gap: 16px; }
  .calc-promo-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .cert-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .calc-grid { grid-template-columns: 1fr; }
  .chart-grid { grid-template-columns: 1fr; }
  .chart-canvas-wrap { aspect-ratio: 4 / 3; }
  .chart-canvas-wrap.doughnut { max-width: 240px; }
  .calc-summary-cards { grid-template-columns: 1fr; }
  .trust-bar-inner { gap: 20px; justify-content: center; }
  .trust-item { font-size: 0.85rem; }
  .floating-cta { bottom: 16px; right: 16px; padding: 12px 20px; font-size: 0.85rem; }
}

@media (max-width: 480px) {
  .hero h1 { font-size: 2rem; }
  .hero-cta { padding: 14px 28px; font-size: 0.95rem; }
  .section { padding: 64px 16px; }
  .cert-grid { grid-template-columns: 1fr; }
  .trust-bar-inner { flex-direction: column; gap: 12px; }
  .calc-card { padding: 28px 20px; }
}

/* ===== NO-SCROLL (mobile menu) ===== */
body.no-scroll { overflow: hidden; }

/* ===== COOKIE CONSENT ===== */
.cookie-overlay{
  position:fixed;
  inset:0;
  z-index:1999;
  background:rgba(0,0,0,.5);
  opacity:0;
  transition:opacity .3s ease;
  pointer-events:none;
}
.cookie-overlay.visible{ opacity:1; pointer-events:auto; }

.cookie-banner{
  position:fixed;
  z-index:2000;
  top:50%;
  left:50%;
  transform:translate(-50%,-50%) scale(.92);
  width:calc(100% - 48px);
  max-width:440px;
  background:var(--surface);
  backdrop-filter:blur(16px);
  border:1px solid var(--glass-border);
  border-radius:var(--radius);
  box-shadow:0 20px 60px rgba(0,0,0,.3);
  padding:32px 28px 24px;
  text-align:center;
  opacity:0;
  pointer-events:none;
  transition:opacity .3s ease, transform .3s ease;
}
.cookie-banner.visible{
  opacity:1;
  transform:translate(-50%,-50%) scale(1);
  pointer-events:auto;
}
body.light .cookie-banner{
  background:rgba(255,255,255,.92);
  box-shadow:0 20px 60px rgba(15,23,42,.15);
}
.cookie-banner p{
  margin:0 0 24px;
  color:var(--text-muted);
  line-height:1.6;
  font-size:.92rem;
}
.cookie-banner a{ color:var(--gold); font-weight:600; }
.cookie-banner a:hover{ color:var(--gold-soft); }
.cookie-btns{ display:flex; gap:12px; justify-content:center; }
.cookie-btn{
  padding:12px 28px;
  border-radius:50px;
  border:none;
  font-size:.92rem;
  font-weight:700;
  cursor:pointer;
  font-family:inherit;
  min-height:44px;
  transition:transform var(--transition), box-shadow var(--transition);
}
.cookie-btn:hover{ transform:translateY(-2px); }
.cookie-btn--accept{
  background:linear-gradient(135deg, var(--gold), var(--gold-dark));
  color:var(--navy);
}
.cookie-btn--accept:hover{
  box-shadow:0 8px 24px rgba(212,168,67,.35);
}
.cookie-btn--reject{
  background:none;
  color:var(--text-muted);
  border:1px solid var(--glass-border);
}
.cookie-btn--reject:hover{
  border-color:var(--gold);
  color:var(--gold);
}
@media (max-width:768px){
  .cookie-banner{ width:calc(100% - 32px); padding:24px 20px 20px; }
  .cookie-btns{ flex-direction:column; }
  .cookie-btn{ width:100%; text-align:center; }
}