/* FinanzenSwiss — Custom Stylesheet */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&family=Playfair+Display:wght@400;600;700;800&display=swap');

:root {
  --navy: #0f1f3d;
  --navy-deep: #0a1628;
  --navy-light: #1a3460;
  --gold: #d4af37;
  --gold-dark: #c49e28;
  --gold-light: #f0cc6c;
  --cream: #faf9f6;
  --white: #ffffff;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  color: #1f2937;
  background: #faf9f6;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: 'Playfair Display', serif;
  line-height: 1.2;
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
button, input, select, textarea { font-family: inherit; }

/* ── NAVBAR ── */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 999;
  transition: all .3s ease;
  padding: 1.25rem 0;
  background: linear-gradient(to bottom, rgba(10,22,40,.75) 0%, rgba(10,22,40,0) 100%);
}
.navbar.scrolled {
  background: rgba(15, 31, 61, .97);
  backdrop-filter: blur(12px);
  box-shadow: 0 4px 30px rgba(0,0,0,.2);
  padding: .75rem 0;
}
.navbar-inner {
  max-width: 1280px; margin: 0 auto;
  padding: 0 1.5rem;
  display: flex; align-items: center; justify-content: space-between;
}
.navbar-logo { display: flex; align-items: center; gap: .75rem; }
.navbar-logo-icon {
  width: 40px; height: 40px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: .875rem; color: var(--navy);
  box-shadow: 0 2px 8px rgba(0,0,0,.2);
}
.navbar-logo-img {
  width: 44px; height: 44px;
  max-width: 44px; max-height: 44px;
  object-fit: contain; flex-shrink: 0;
  filter: drop-shadow(0 2px 6px rgba(0,0,0,.3));
}
.navbar-logo-text .brand { font-family: 'Playfair Display', serif; color: white; font-size: 1.25rem; font-weight: 700; letter-spacing: .02em; display: block; }
.navbar-logo-text .sub { color: var(--gold); font-size: .625rem; letter-spacing: .15em; text-transform: uppercase; font-weight: 500; margin-top: -2px; display: block; }
.navbar-nav { display: flex; align-items: center; gap: 2rem; }
.navbar-nav a { color: rgba(255,255,255,.8); font-size: .875rem; font-weight: 500; letter-spacing: .02em; transition: color .2s; }
.navbar-nav a:hover, .navbar-nav a.active { color: var(--gold); }
.navbar-actions { display: flex; align-items: center; gap: .75rem; }
.btn-lang {
  display: flex; align-items: center; gap: .375rem;
  color: rgba(255,255,255,.7); font-size: .875rem; font-weight: 500;
  padding: .375rem .75rem; border-radius: 999px;
  border: 1px solid rgba(255,255,255,.2); cursor: pointer;
  background: transparent; transition: all .2s;
}
.btn-lang:hover { color: white; border-color: rgba(255,255,255,.4); }
.btn-apply {
  background: var(--gold); color: var(--navy);
  font-weight: 600; font-size: .875rem;
  padding: .625rem 1.5rem; border-radius: 999px;
  border: none; cursor: pointer;
  transition: all .2s; box-shadow: 0 2px 8px rgba(212,175,55,.3);
  display: inline-block;
}
.btn-apply:hover { background: var(--gold-dark); box-shadow: 0 4px 16px rgba(212,175,55,.4); transform: translateY(-1px); }

/* Mobile menu */
.mobile-toggle { display: none; background: none; border: none; color: white; cursor: pointer; padding: .5rem; }
.mobile-menu {
  display: none; background: var(--navy);
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 1rem 1.5rem 1.5rem;
}
.mobile-menu.open { display: block; }
.mobile-menu a { display: block; color: rgba(255,255,255,.8); padding: .625rem 0; font-weight: 500; border-bottom: 1px solid rgba(255,255,255,.06); transition: color .2s; }
.mobile-menu a:hover { color: var(--gold); }
.mobile-menu .btn-apply { width: 100%; text-align: center; margin-top: 1rem; display: block; }

@media (max-width: 768px) {
  .navbar-nav, .navbar-actions { display: none; }
  .mobile-toggle { display: block; }
}

/* ── HERO CAROUSEL ── */
.hero {
  position: relative; height: 100vh; overflow: hidden;
  min-height: 600px;
}
.swiper { width: 100%; height: 100%; }
.swiper-slide { position: relative; }
.slide-bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.slide-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(10,22,40,.85) 0%, rgba(10,22,40,.6) 50%, transparent 100%);
}
.slide-content {
  position: absolute; inset: 0; display: flex; align-items: center;
}
.slide-inner {
  max-width: 1280px; margin: 0 auto; padding: 0 2rem; width: 100%;
}
.slide-box { max-width: 640px; }
.slide-badge {
  display: inline-block; background: var(--gold); color: var(--navy);
  font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .12em;
  padding: .375rem 1rem; border-radius: 999px; margin-bottom: 1.5rem;
  box-shadow: 0 4px 12px rgba(212,175,55,.3);
}
.slide-title {
  font-size: clamp(2.5rem, 5vw, 4.5rem); font-weight: 700;
  color: white; margin-bottom: 1.5rem; white-space: pre-line;
}
.slide-subtitle { color: rgba(255,255,255,.8); font-size: 1.125rem; line-height: 1.7; margin-bottom: 2.5rem; max-width: 480px; }
.slide-ctas { display: flex; flex-wrap: wrap; gap: 1rem; }
.btn-gold-pill {
  display: inline-flex; align-items: center; gap: .5rem;
  background: var(--gold); color: var(--navy); font-weight: 700;
  padding: 1rem 2rem; border-radius: 999px; border: none; cursor: pointer;
  transition: all .2s; box-shadow: 0 8px 24px rgba(212,175,55,.35);
  font-size: 1rem;
}
.btn-gold-pill:hover { background: var(--gold-dark); transform: translateY(-2px); box-shadow: 0 12px 32px rgba(212,175,55,.45); }
.btn-outline-pill {
  display: inline-flex; align-items: center; gap: .5rem;
  border: 2px solid rgba(255,255,255,.5); color: white; font-weight: 600;
  padding: 1rem 2rem; border-radius: 999px; cursor: pointer;
  transition: all .2s; font-size: 1rem; background: transparent;
  backdrop-filter: blur(4px);
}
.btn-outline-pill:hover { border-color: white; }

.swiper-button-next, .swiper-button-prev {
  width: 48px !important; height: 48px !important;
  background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2);
  border-radius: 50%; backdrop-filter: blur(4px);
  transition: all .2s;
}
.swiper-button-next:hover, .swiper-button-prev:hover { background: rgba(255,255,255,.25); }
.swiper-button-next::after, .swiper-button-prev::after { font-size: 1rem !important; color: white; font-weight: 700; }

.swiper-pagination-bullet { background: rgba(255,255,255,.4) !important; opacity: 1 !important; width: 8px; height: 8px; transition: all .3s; }
.swiper-pagination-bullet-active { background: var(--gold) !important; width: 32px !important; border-radius: 999px !important; }

.scroll-indicator {
  position: absolute; bottom: 2rem; right: 2rem; color: rgba(255,255,255,.5);
  display: flex; flex-direction: column; align-items: center; gap: .5rem;
  font-size: .625rem; letter-spacing: .12em; text-transform: uppercase; z-index: 10;
}
.scroll-line {
  width: 1px; height: 40px;
  background: rgba(255,255,255,.3); position: relative; overflow: hidden;
}
.scroll-line::after {
  content: ''; position: absolute; top: 0; left: 0; width: 100%; height: 50%;
  background: var(--gold);
  animation: scrollDown 2s ease-in-out infinite;
}
@keyframes scrollDown { 0%{top:-50%} 100%{top:100%} }

/* ── STATS BAR ── */
.stats-bar { background: var(--navy); color: white; padding: 1.5rem 0; }
.stats-bar-inner { max-width: 1280px; margin: 0 auto; padding: 0 1.5rem; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; text-align: center; }
.stat-value { font-family: 'Playfair Display', serif; font-size: 1.875rem; font-weight: 700; color: var(--gold); display: block; }
.stat-label { color: rgba(255,255,255,.6); font-size: .75rem; text-transform: uppercase; letter-spacing: .1em; margin-top: .25rem; }
@media (max-width: 640px) { .stats-bar-inner { grid-template-columns: repeat(2,1fr); } }

/* ── SECTIONS ── */
.section { padding: 6rem 0; }
.section-inner { max-width: 1280px; margin: 0 auto; padding: 0 1.5rem; }
.section-header { text-align: center; margin-bottom: 4rem; }
.section-label { color: var(--gold); font-size: .75rem; font-weight: 600; text-transform: uppercase; letter-spacing: .15em; margin-bottom: .75rem; display: block; }
.section-title { font-size: clamp(2rem, 4vw, 3rem); font-weight: 700; color: var(--navy); margin-bottom: 1.25rem; }
.section-title.white { color: white; }
.section-subtitle { color: #6b7280; font-size: 1.125rem; max-width: 560px; margin: 0 auto; }
.section-subtitle.white { color: rgba(255,255,255,.6); }

/* ── CARDS ── */
.card {
  background: white; border-radius: 1rem; padding: 2rem;
  border: 1px solid #f3f4f6; box-shadow: 0 1px 3px rgba(0,0,0,.05);
  transition: all .3s ease;
}
.card:hover { box-shadow: 0 20px 40px rgba(0,0,0,.1); transform: translateY(-4px); }

.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 3rem; align-items: center; }
.grid-6 { display: grid; grid-template-columns: repeat(6, 1fr); gap: 1rem; }

@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-6 { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 768px) {
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
  .grid-6 { grid-template-columns: repeat(2, 1fr); }
}

/* ── ADVANTAGES ── */
.bg-cream { background: var(--cream); }
.bg-navy { background: var(--navy); }
.bg-white { background: white; }

.advantage-icon {
  width: 56px; height: 56px; border-radius: .75rem;
  background: rgba(15,31,61,.05); display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.5rem; transition: all .3s;
}
.card:hover .advantage-icon { background: var(--navy); }
.advantage-icon svg { color: var(--navy); transition: color .3s; }
.card:hover .advantage-icon svg { color: var(--gold); }
.card-title { font-size: 1.25rem; font-weight: 700; color: var(--navy); margin-bottom: .75rem; }
.card-text { color: #6b7280; font-size: .875rem; line-height: 1.7; }

/* ── LOAN SIMULATOR ── */
.simulator-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; }
@media (max-width: 768px) { .simulator-grid { grid-template-columns: 1fr; } }

.sim-label { display: flex; justify-content: space-between; align-items: center; margin-bottom: .75rem; }
.sim-label-text { font-size: .75rem; font-weight: 700; color: var(--navy); text-transform: uppercase; letter-spacing: .06em; }
.sim-value { font-family: 'Playfair Display', serif; font-size: 1.5rem; font-weight: 700; color: var(--navy); }

input[type="range"] {
  width: 100%; height: 8px; border-radius: 4px; outline: none;
  appearance: none; background: #e5e7eb; cursor: pointer;
  accent-color: var(--navy);
}
input[type="range"]::-webkit-slider-thumb { appearance: none; width: 18px; height: 18px; border-radius: 50%; background: var(--navy); cursor: pointer; border: 2px solid white; box-shadow: 0 0 0 2px var(--navy); }
.range-labels { display: flex; justify-content: space-between; color: #9ca3af; font-size: .75rem; margin-top: .375rem; }

.sim-result {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 1.25rem; padding: 2.5rem; color: white; box-shadow: 0 20px 60px rgba(15,31,61,.3);
}
.sim-result-label { color: rgba(255,255,255,.6); font-size: .75rem; text-transform: uppercase; letter-spacing: .12em; text-align: center; margin-bottom: .5rem; }
.sim-result-amount {
  font-family: 'Playfair Display', serif; font-size: 3.75rem; font-weight: 700;
  color: var(--gold); text-align: center; margin-bottom: .25rem;
}
.sim-result-currency { font-size: 1.5rem; color: rgba(255,255,255,.7); margin-left: .5rem; }
.sim-detail { display: flex; justify-content: space-between; font-size: .875rem; padding: .625rem 0; border-top: 1px solid rgba(255,255,255,.1); }
.sim-detail-label { color: rgba(255,255,255,.6); }
.sim-detail-value { font-weight: 600; }
.sim-note { color: rgba(255,255,255,.4); font-size: .75rem; text-align: center; margin-top: 1.25rem; }
.sim-cta {
  display: block; margin-top: 1.5rem;
  background: var(--gold); color: var(--navy); font-weight: 700;
  text-align: center; padding: .875rem; border-radius: .75rem;
  transition: all .2s; box-shadow: 0 4px 16px rgba(212,175,55,.3);
}
.sim-cta:hover { background: var(--gold-dark); box-shadow: 0 8px 24px rgba(212,175,55,.4); }

/* ── HOW IT WORKS ── */
.step-card {
  position: relative; background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1); border-radius: 1rem; padding: 2rem;
  backdrop-filter: blur(4px); transition: all .3s;
}
.step-card:hover { background: rgba(255,255,255,.1); }
.step-num { font-family: 'Playfair Display', serif; font-size: 3.5rem; font-weight: 700; color: rgba(212,175,55,.2); display: block; margin-bottom: 1rem; }
.step-title { font-family: 'Playfair Display', serif; font-size: 1.125rem; font-weight: 700; color: white; margin-bottom: .75rem; }
.step-desc { color: rgba(255,255,255,.5); font-size: .875rem; line-height: 1.7; }

/* ── LOAN TYPES ── */
.loan-type-card {
  border-radius: 1rem; overflow: hidden; border: 1px solid #f3f4f6;
  box-shadow: 0 1px 3px rgba(0,0,0,.05); transition: all .3s; cursor: pointer;
}
.loan-type-card:hover { box-shadow: 0 20px 40px rgba(0,0,0,.1); transform: translateY(-4px); }
.loan-type-img { width: 100%; aspect-ratio: 1; object-fit: cover; transition: transform .5s; }
.loan-type-card:hover .loan-type-img { transform: scale(1.05); }
.loan-type-label { padding: .75rem; background: white; text-align: center; border-top: 1px solid #f3f4f6; }
.loan-type-label span { font-size: .75rem; font-weight: 700; color: var(--navy); }

/* ── TESTIMONIALS ── */
.testimonial-card { background: white; border-radius: 1rem; padding: 1.75rem; border: 1px solid #f3f4f6; box-shadow: 0 1px 3px rgba(0,0,0,.05); transition: all .3s; }
.testimonial-card:hover { box-shadow: 0 12px 30px rgba(0,0,0,.08); }
.stars { display: flex; gap: .25rem; margin-bottom: 1rem; color: var(--gold); }
.testimonial-text { color: #4b5563; font-size: .875rem; line-height: 1.75; margin-bottom: 1.25rem; font-style: italic; }
.testimonial-meta { border-top: 1px solid #f3f4f6; padding-top: 1rem; }
.testimonial-name { font-family: 'Playfair Display', serif; font-weight: 700; color: var(--navy); font-size: .875rem; }
.testimonial-project { color: var(--gold); font-size: .75rem; font-weight: 500; }

/* ── FAQ ── */
.faq-item { border: 1px solid #e5e7eb; border-radius: .75rem; overflow: hidden; margin-bottom: .75rem; transition: all .2s; }
.faq-item.open { border-color: rgba(212,175,55,.5); box-shadow: 0 4px 12px rgba(0,0,0,.05); }
.faq-btn {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  padding: 1.25rem 1.5rem; background: none; border: none; cursor: pointer; text-align: left; gap: 1rem;
}
.faq-q { font-weight: 600; font-size: 1rem; color: #1f2937; }
.faq-item.open .faq-q { color: var(--navy); }
.faq-icon { flex-shrink: 0; color: var(--gold); transition: transform .3s; font-size: 1.125rem; }
.faq-item.open .faq-icon { transform: rotate(180deg); }
.faq-answer { display: none; padding: 0 1.5rem 1.25rem; }
.faq-item.open .faq-answer { display: block; }
.faq-answer p { color: #4b5563; font-size: .875rem; line-height: 1.75; }

/* ── CTA SECTION ── */
.cta-section {
  padding: 6rem 0; text-align: center;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: white;
}

/* ── FOOTER ── */
footer { background: var(--navy-deep); color: rgba(255,255,255,.7); padding: 4rem 0 2rem; }
.footer-inner { max-width: 1280px; margin: 0 auto; padding: 0 1.5rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 2.5rem; margin-bottom: 3rem; }
@media (max-width: 768px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand { display: flex; align-items: center; gap: .75rem; margin-bottom: 1.25rem; }
.footer-tagline { font-size: .875rem; line-height: 1.7; margin-bottom: 1.5rem; }
.footer-licensed { display: flex; align-items: center; gap: .5rem; font-size: .75rem; color: rgba(212,175,55,.8); }
.footer-heading { color: white; font-size: .75rem; font-weight: 600; text-transform: uppercase; letter-spacing: .12em; margin-bottom: 1.25rem; }
.footer-links { list-style: none; }
.footer-links li { margin-bottom: .75rem; }
.footer-links a, .footer-links span { font-size: .875rem; display: flex; align-items: center; gap: .375rem; cursor: pointer; transition: color .2s; }
.footer-links a:hover, .footer-links span:hover { color: var(--gold); }
.footer-contact-item { display: flex; align-items: flex-start; gap: .75rem; font-size: .875rem; margin-bottom: 1rem; }
.footer-contact-item svg { color: var(--gold); flex-shrink: 0; margin-top: 2px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 2rem; display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap; gap: 1rem;
  font-size: .75rem; color: rgba(255,255,255,.4);
}
.footer-bottom-links { display: flex; gap: 1.5rem; }
.footer-bottom-links span { cursor: pointer; transition: color .2s; }
.footer-bottom-links span:hover { color: rgba(255,255,255,.7); }

/* ── PAGE HERO ── */
.page-hero {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: white; padding: 8rem 0 5rem; position: relative; overflow: hidden;
}
.page-hero-bg { position: absolute; inset: 0; object-fit: cover; width: 100%; height: 100%; opacity: .1; }
.page-hero-inner { max-width: 1280px; margin: 0 auto; padding: 0 1.5rem; position: relative; text-align: center; }
.page-hero-title { font-size: clamp(2.5rem, 5vw, 3.75rem); font-weight: 700; margin-bottom: 1.25rem; }
.page-hero-sub { color: rgba(255,255,255,.7); font-size: 1.25rem; max-width: 640px; margin: 0 auto; }

/* ── GOLD BAR ── */
.gold-bar { background: var(--gold); padding: 1.25rem 0; }
.gold-bar-inner { max-width: 1280px; margin: 0 auto; padding: 0 1.5rem; display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; text-align: center; }
.gold-bar-item { display: flex; align-items: center; justify-content: center; gap: .75rem; font-size: .875rem; font-weight: 600; color: var(--navy); }

/* ── SERVICE CARDS ── */
.service-card { background: white; border-radius: 1rem; overflow: hidden; border: 1px solid #f3f4f6; box-shadow: 0 1px 3px rgba(0,0,0,.05); transition: all .3s; }
.service-card:hover { box-shadow: 0 20px 40px rgba(0,0,0,.1); transform: translateY(-4px); }
.service-img-wrap { position: relative; height: 192px; overflow: hidden; }
.service-img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s; }
.service-card:hover .service-img { transform: scale(1.05); }
.service-img-overlay { position: absolute; inset: 0; background: linear-gradient(to top, rgba(15,31,61,.6), transparent); }
.service-badge { position: absolute; bottom: 1rem; left: 1rem; background: var(--gold); color: var(--navy); font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; padding: .25rem .75rem; border-radius: 999px; }
.service-body { padding: 1.75rem; }
.service-title { font-size: 1.25rem; font-weight: 700; color: var(--navy); margin-bottom: .75rem; }
.service-desc { color: #6b7280; font-size: .875rem; line-height: 1.7; margin-bottom: 1.25rem; }
.service-features { list-style: none; margin-bottom: 1.5rem; }
.service-features li { display: flex; align-items: center; gap: .5rem; font-size: .875rem; color: #4b5563; margin-bottom: .5rem; }
.service-features li::before { content: ''; width: 14px; height: 14px; border-radius: 50%; background: var(--gold); flex-shrink: 0; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230f1f3d' stroke-width='3'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E"); background-size: 10px; background-repeat: no-repeat; background-position: center; }
.btn-navy-block {
  display: flex; align-items: center; justify-content: center; gap: .5rem;
  background: var(--navy); color: white; font-weight: 600; font-size: .875rem;
  padding: .75rem; border-radius: .75rem; border: none; cursor: pointer; width: 100%;
  transition: all .2s; text-decoration: none;
}
.btn-navy-block:hover { background: var(--navy-light); }

/* ── ABOUT MISSION ── */
.about-img-wrap { position: relative; }
.about-img-wrap img { border-radius: 1rem; box-shadow: 0 24px 64px rgba(0,0,0,.15); width: 100%; height: 384px; object-fit: cover; }
.about-rate-badge {
  position: absolute; bottom: -1.5rem; left: -1.5rem;
  background: var(--gold); border-radius: 1rem; padding: 1.5rem;
  box-shadow: 0 12px 32px rgba(212,175,55,.3);
}
.about-rate-badge .rate { font-family: 'Playfair Display', serif; font-size: 1.875rem; font-weight: 700; color: var(--navy); display: block; }
.about-rate-badge .rate-label { font-size: .875rem; font-weight: 500; color: var(--navy); }

/* ── CONTACT ── */
.contact-layout { display: grid; grid-template-columns: 1fr 2fr; gap: 2.5rem; }
@media (max-width: 768px) { .contact-layout { grid-template-columns: 1fr; } }
.contact-info-card { background: white; border-radius: 1rem; padding: 1.25rem; border: 1px solid #f3f4f6; box-shadow: 0 1px 3px rgba(0,0,0,.05); display: flex; align-items: flex-start; gap: 1rem; margin-bottom: 1rem; }
.contact-icon { width: 40px; height: 40px; border-radius: .75rem; background: rgba(15,31,61,.05); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.contact-icon svg { color: var(--navy); }
.contact-info-title { font-weight: 600; color: var(--navy); font-size: .875rem; margin-bottom: .25rem; }
.contact-info-line { color: #6b7280; font-size: .875rem; }
.gold-cta-box { background: rgba(212,175,55,.1); border: 1px solid rgba(212,175,55,.3); border-radius: 1rem; padding: 1.5rem; margin-top: 1rem; }
.gold-cta-box-title { font-family: 'Playfair Display', serif; font-weight: 700; color: var(--navy); font-size: 1.125rem; margin-bottom: .75rem; }
.gold-cta-box-text { color: #4b5563; font-size: .875rem; margin-bottom: 1rem; }

/* ── FORM ── */
.form-card { background: white; border-radius: 1rem; border: 1px solid #f3f4f6; box-shadow: 0 1px 3px rgba(0,0,0,.05); overflow: hidden; }
.form-header { background: rgba(15,31,61,.05); border-bottom: 1px solid #f3f4f6; padding: 1.5rem 2rem; }
.form-header h2 { font-size: 1.5rem; font-weight: 700; color: var(--navy); }
.form-header p { color: #6b7280; font-size: .875rem; margin-top: .25rem; }
.form-body { padding: 2rem; }
.field-group { margin-bottom: 1.25rem; }
.field-label { display: block; font-size: .875rem; font-weight: 600; color: #374151; margin-bottom: .5rem; }
.field-input {
  width: 100%; border: 1px solid #e5e7eb; border-radius: .75rem;
  padding: .75rem 1rem; font-size: .875rem; transition: all .2s; outline: none;
}
.field-input:focus { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(15,31,61,.1); }
.field-input.error { border-color: #f87171; }
.field-error { color: #ef4444; font-size: .75rem; margin-top: .375rem; }
.grid-2-form { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
@media (max-width: 640px) { .grid-2-form { grid-template-columns: 1fr; } }

/* ── FORM STEPS ── */
.steps-indicator { display: flex; align-items: center; justify-content: center; margin-bottom: 3rem; }
.step-circle {
  width: 40px; height: 40px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .875rem;
  transition: all .3s;
}
.step-circle.done { background: #22c55e; color: white; }
.step-circle.active { background: var(--navy); color: white; box-shadow: 0 4px 12px rgba(15,31,61,.3); }
.step-circle.pending { background: #e5e7eb; color: #9ca3af; }
.step-label { font-size: .75rem; margin-top: .5rem; font-weight: 500; text-align: center; }
.step-label.active { color: var(--navy); }
.step-label.pending { color: #9ca3af; }
.step-connector { width: 96px; height: 2px; margin: 0 .5rem; margin-bottom: 1.5rem; transition: background .3s; }
.step-connector.done { background: #22c55e; }
.step-connector.pending { background: #e5e7eb; }

.form-section { display: none; }
.form-section.active { display: block; }

.monthly-preview {
  background: var(--navy); border-radius: .75rem; padding: 1.25rem; color: white; text-align: center; margin-top: 1.5rem;
}
.monthly-preview-label { color: rgba(255,255,255,.6); font-size: .75rem; text-transform: uppercase; letter-spacing: .1em; margin-bottom: .25rem; }
.monthly-preview-amount { font-family: 'Playfair Display', serif; font-size: 1.875rem; font-weight: 700; color: var(--gold); }
.monthly-preview-note { color: rgba(255,255,255,.5); font-size: .75rem; margin-top: .25rem; }

.form-actions { display: flex; justify-content: space-between; align-items: center; margin-top: 2rem; padding-top: 1.5rem; border-top: 1px solid #f3f4f6; }
.btn-prev {
  display: flex; align-items: center; gap: .5rem;
  background: none; border: 1px solid #e5e7eb; color: #374151; font-weight: 500;
  padding: .75rem 1.5rem; border-radius: .75rem; cursor: pointer; transition: all .2s; font-size: .875rem;
}
.btn-prev:hover { border-color: var(--navy); color: var(--navy); }
.btn-next, .btn-submit {
  display: flex; align-items: center; gap: .5rem;
  background: var(--navy); color: white; font-weight: 600;
  padding: .75rem 2rem; border-radius: .75rem; border: none; cursor: pointer; transition: all .2s; font-size: .875rem;
}
.btn-next:hover, .btn-submit:hover { background: var(--navy-light); }
.btn-submit { background: var(--gold); color: var(--navy); }
.btn-submit:hover { background: var(--gold-dark); }

/* ── SUCCESS ── */
.success-screen { display: none; }
.success-screen.show { display: block; }
.success-icon { width: 80px; height: 80px; background: #dcfce7; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 1.5rem; }
.success-icon svg { color: #16a34a; }
.dossier-box { background: var(--navy); color: white; border-radius: 1rem; padding: 1.5rem; text-align: center; margin-bottom: 2rem; }
.dossier-label { color: rgba(255,255,255,.6); font-size: .875rem; margin-bottom: .5rem; }
.dossier-num { font-family: 'Playfair Display', serif; font-size: 2.5rem; font-weight: 700; color: var(--gold); }

/* ── FLOATING WIDGET ── */
.sim-widget-btn {
  position: fixed; bottom: 1.5rem; right: 1.5rem; z-index: 40;
  display: flex; align-items: center; gap: .625rem;
  background: var(--navy); color: white; font-weight: 600;
  padding: .875rem 1.25rem; border-radius: 999px; border: none; cursor: pointer;
  box-shadow: 0 8px 32px rgba(15,31,61,.3); transition: all .3s;
}
.sim-widget-btn:hover { background: var(--navy-light); transform: translateY(-2px); box-shadow: 0 20px 40px rgba(15,31,61,.35); }
.sim-widget-icon { width: 32px; height: 32px; background: var(--gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.sim-widget-icon svg { color: var(--navy); }

.sim-panel {
  position: fixed; right: 0; top: 0; bottom: 0; width: 420px; z-index: 50;
  background: white; box-shadow: -8px 0 40px rgba(0,0,0,.15);
  transform: translateX(100%); transition: transform .3s ease;
  display: flex; flex-direction: column; overflow: hidden;
}
.sim-panel.open { transform: translateX(0); }
.sim-panel-overlay { position: fixed; inset: 0; background: rgba(0,0,0,.4); backdrop-filter: blur(4px); z-index: 49; display: none; }
.sim-panel-overlay.open { display: block; }
.sim-panel-header {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  padding: 1.5rem; flex-shrink: 0;
}
.sim-panel-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: .25rem; }
.sim-panel-icon { width: 36px; height: 36px; background: var(--gold); border-radius: .75rem; display: flex; align-items: center; justify-content: center; }
.sim-close-btn { width: 32px; height: 32px; background: rgba(255,255,255,.1); border: none; border-radius: 50%; cursor: pointer; color: white; display: flex; align-items: center; justify-content: center; transition: background .2s; }
.sim-close-btn:hover { background: rgba(255,255,255,.2); }
.sim-panel-brand { color: var(--gold); font-size: .75rem; font-weight: 600; text-transform: uppercase; letter-spacing: .12em; }
.sim-panel-title { color: white; font-family: 'Playfair Display', serif; font-size: 1.125rem; font-weight: 700; }
.sim-panel-result { background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.1); border-radius: 1rem; padding: 1.25rem; text-align: center; margin-top: 1.5rem; }
.sim-panel-result-label { color: rgba(255,255,255,.6); font-size: .75rem; text-transform: uppercase; letter-spacing: .1em; margin-bottom: .25rem; }
.sim-panel-result-val { font-family: 'Playfair Display', serif; font-size: 3rem; font-weight: 700; color: var(--gold); line-height: 1; }
.sim-panel-result-cur { color: rgba(255,255,255,.6); font-size: .875rem; margin-top: .25rem; }
.sim-panel-body { flex: 1; overflow-y: auto; padding: 1.5rem; }
.sim-panel-details { background: #faf9f6; border-radius: 1rem; border: 1px solid #f3f4f6; padding: 1rem; }
.sim-panel-footer { padding: 1.5rem; flex-shrink: 0; }
.btn-gold-block {
  display: flex; align-items: center; justify-content: center; gap: .5rem;
  width: 100%; background: var(--gold); color: var(--navy); font-weight: 700;
  padding: 1rem; border-radius: 1rem; border: none; cursor: pointer;
  transition: all .2s; box-shadow: 0 4px 16px rgba(212,175,55,.3); font-size: 1rem;
  text-decoration: none;
}
.btn-gold-block:hover { background: var(--gold-dark); box-shadow: 0 8px 24px rgba(212,175,55,.4); }
.btn-close-text { width: 100%; background: none; border: none; color: #9ca3af; cursor: pointer; padding: .5rem; font-size: .875rem; transition: color .2s; margin-top: .75rem; }
.btn-close-text:hover { color: #4b5563; }

/* ── MAP SECTION ── */
.map-section { height: 320px; position: relative; overflow: hidden; background: rgba(15,31,61,.1); }
.map-section img { width: 100%; height: 100%; object-fit: cover; opacity: .6; }
.map-overlay { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; }
.map-card { background: white; border-radius: 1rem; box-shadow: 0 8px 32px rgba(0,0,0,.15); padding: 1.25rem 2rem; text-align: center; }
.map-card .brand { font-family: 'Playfair Display', serif; font-weight: 700; color: var(--navy); font-size: 1.25rem; }
.map-card .address { color: #6b7280; font-size: .875rem; }

/* ── UTILITIES ── */
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-center { text-align: center; }
.mt-8 { margin-top: 2rem; }
.mt-12 { margin-top: 3rem; }
.mb-0 { margin-bottom: 0; }
.max-w-3xl { max-width: 768px; margin: 0 auto; }

@media (max-width: 640px) {
  .scroll-indicator { display: none; }
  .sim-panel { width: 100%; }
  .slide-ctas { flex-direction: column; }
  .btn-gold-pill, .btn-outline-pill { width: 100%; justify-content: center; }
}