/* ============================================================
   Equipment Finance Hub — Global Stylesheet
   ============================================================ */

:root {
  --navy: #0a1628;
  --navy-mid: #132040;
  --navy-light: #1e3058;
  --orange: #e8610a;
  --orange-light: #ff7a20;
  --white: #ffffff;
  --off-white: #f7f8fa;
  --gray-light: #eef0f4;
  --gray-mid: #9aa3b0;
  --gray-dark: #4a5568;
  --text: #1a202c;
  --text-light: #4a5568;
  --border: #dde1e8;
  --radius: 8px;
  --radius-lg: 14px;
  --shadow: 0 2px 12px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 24px rgba(0,0,0,0.12);
  --max-width: 1200px;
  --font-main: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
}

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

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

body {
  font-family: var(--font-main);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

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

a { color: var(--orange); text-decoration: none; }
a:hover { text-decoration: underline; }

/* ---- CONTAINER ---- */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* ============================================================
   HEADER & NAV
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  isolation: isolate;
  background: linear-gradient(180deg, rgba(15, 28, 52, 0.97) 0%, rgba(10, 22, 40, 0.98) 100%);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(30, 48, 88, 0.85);
  box-shadow:
    0 1px 0 rgba(255, 255, 255, 0.04) inset,
    0 8px 32px rgba(0, 0, 0, 0.35);
}

.site-header::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 2px;
  background: linear-gradient(
    90deg,
    transparent 0%,
    rgba(232, 97, 10, 0.15) 20%,
    rgba(232, 97, 10, 0.55) 50%,
    rgba(232, 97, 10, 0.15) 80%,
    transparent 100%
  );
  pointer-events: none;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 0 clamp(16px, 3vw, 28px);
  min-height: 72px;
  max-width: var(--max-width);
  margin: 0 auto;
}

.site-logo {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.4px;
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  line-height: 1.15;
  flex-shrink: 0;
}

.site-logo:hover {
  color: var(--white);
  text-decoration: none;
}

.site-logo span.logo-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background: linear-gradient(145deg, #ff8c38 0%, var(--orange) 45%, #c65308 100%);
  border-radius: 10px;
  font-size: 1.15rem;
  line-height: 1;
  box-shadow:
    0 2px 8px rgba(232, 97, 10, 0.45),
    inset 0 1px 0 rgba(255, 255, 255, 0.25);
}

.site-logo .logo-sub {
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(186, 196, 210, 0.95);
  display: block;
  line-height: 1.25;
  margin-top: 2px;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 2px;
  flex-wrap: wrap;
  justify-content: flex-end;
  padding: 5px 6px;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 14px;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.06);
}

.site-nav a {
  color: rgba(255, 255, 255, 0.88);
  font-size: 0.8125rem;
  font-weight: 600;
  padding: 8px 11px;
  border-radius: 9px;
  transition: background 0.18s ease, color 0.18s ease, transform 0.18s ease;
  text-decoration: none;
  white-space: nowrap;
}

.site-nav a:hover {
  background: rgba(255, 255, 255, 0.12);
  color: var(--white);
  text-decoration: none;
  transform: translateY(-1px);
}

.site-nav a:focus-visible {
  outline: 2px solid var(--orange);
  outline-offset: 2px;
}

.site-nav .nav-cta {
  background: linear-gradient(180deg, var(--orange-light) 0%, var(--orange) 100%);
  color: var(--white) !important;
  font-weight: 700;
  margin-left: 4px;
  padding-left: 14px;
  padding-right: 14px;
  box-shadow:
    0 2px 10px rgba(232, 97, 10, 0.45),
    inset 0 1px 0 rgba(255, 255, 255, 0.2);
}

.site-nav .nav-cta:hover {
  background: linear-gradient(180deg, #ff8c42 0%, var(--orange-light) 100%);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(232, 97, 10, 0.5);
}

.site-nav .nav-phone {
  color: rgba(255, 255, 255, 0.78) !important;
  font-size: 0.78rem;
  font-weight: 600;
  margin-left: 2px;
  padding-left: 14px;
  border-left: 1px solid rgba(255, 255, 255, 0.14);
}

.site-nav .nav-phone:hover {
  background: rgba(255, 255, 255, 0.08);
  transform: none;
}

/* Mobile menu button */
.menu-btn {
  display: none;
  flex-shrink: 0;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.14);
  color: var(--white);
  padding: 10px 14px;
  border-radius: 10px;
  cursor: pointer;
  font-size: 1.15rem;
  line-height: 1;
  transition: background 0.15s ease, border-color 0.15s ease;
}

.menu-btn:hover {
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(255, 255, 255, 0.22);
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, #1a3a6b 100%);
  color: var(--white);
  padding: 72px 24px 80px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(232,97,10,0.15) 0%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.hero-eyebrow {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 16px;
}

.hero h1 {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.5px;
  margin-bottom: 20px;
}

.hero h1 span { color: var(--orange); }

.hero-lead {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.82);
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: 520px;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 36px;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 24px;
}

.stat-item { text-align: center; }
.stat-num {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--orange);
  display: block;
}
.stat-label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.65);
  font-weight: 500;
}

.hero-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 32px;
}

.hero-card h2 {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 20px;
  color: var(--white);
}

.hero-card-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.hero-card-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.85);
}

.hero-card-list li::before {
  content: '✓';
  color: var(--orange);
  font-weight: 700;
  flex-shrink: 0;
}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  border-radius: var(--radius);
  padding: 14px 28px;
  font-size: 0.95rem;
  cursor: pointer;
  transition: all 0.2s;
  text-decoration: none;
  border: 2px solid transparent;
  white-space: nowrap;
}

.btn-primary {
  background: var(--orange);
  color: var(--white);
  border-color: var(--orange);
}

.btn-primary:hover {
  background: var(--orange-light);
  border-color: var(--orange-light);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(232,97,10,0.35);
  text-decoration: none;
  color: var(--white);
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.35);
}

.btn-secondary:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.6);
  text-decoration: none;
  color: var(--white);
}

.btn-outline {
  background: transparent;
  color: var(--orange);
  border-color: var(--orange);
}

.btn-outline:hover {
  background: var(--orange);
  color: var(--white);
  text-decoration: none;
}

.btn-sm { padding: 9px 18px; font-size: 0.85rem; }

/* ============================================================
   SECTIONS
   ============================================================ */
.section { padding: 72px 0; }
.section-alt { background: var(--off-white); }
.section-dark { background: var(--navy); color: var(--white); }

.section-heading {
  text-align: center;
  margin-bottom: 48px;
}

.section-eyebrow {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 12px;
}

.section-heading h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  letter-spacing: -0.3px;
  margin-bottom: 14px;
  line-height: 1.2;
}

.section-heading p {
  font-size: 1.05rem;
  color: var(--text-light);
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.7;
}

.section-dark .section-heading h2 { color: var(--white); }
.section-dark .section-heading p { color: rgba(255,255,255,0.72); }

/* ============================================================
   CARDS & GRIDS
   ============================================================ */
.card-grid {
  display: grid;
  gap: 20px;
}

.card-grid-2 { grid-template-columns: repeat(2, 1fr); }
.card-grid-3 { grid-template-columns: repeat(3, 1fr); }
.card-grid-4 { grid-template-columns: repeat(4, 1fr); }
.card-grid-5 { grid-template-columns: repeat(5, 1fr); }

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: all 0.2s;
}

.card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  border-color: var(--orange);
}

.card-icon {
  font-size: 2.2rem;
  margin-bottom: 16px;
  display: block;
}

.card h3 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--text);
}

.card p {
  font-size: 0.9rem;
  color: var(--text-light);
  line-height: 1.65;
}

.card a {
  display: inline-block;
  margin-top: 14px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--orange);
}

/* Category cards (large with bg color header) */
.cat-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border);
  transition: all 0.2s;
  background: var(--white);
  display: flex;
  flex-direction: column;
}

.cat-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: var(--orange);
  text-decoration: none;
}

.cat-card-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 24px 24px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
}

.cat-card-icon {
  font-size: 2rem;
  width: 52px;
  height: 52px;
  background: rgba(255,255,255,0.12);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.cat-card-header h3 {
  color: var(--white);
  font-size: 1.05rem;
  font-weight: 700;
  line-height: 1.3;
}

.cat-card-header p {
  color: rgba(255,255,255,0.7);
  font-size: 0.8rem;
  margin-top: 3px;
}

.cat-card-body {
  padding: 20px 24px 24px;
  flex: 1;
}

.cat-card-body p {
  font-size: 0.88rem;
  color: var(--text-light);
  line-height: 1.6;
  margin-bottom: 14px;
}

.cat-card-brands {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}

.brand-tag {
  background: var(--gray-light);
  color: var(--gray-dark);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: 100px;
}

/* ============================================================
   EQUIPMENT TABLE
   ============================================================ */
.equip-table-wrap { overflow-x: auto; }

.equip-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}

.equip-table th {
  background: var(--navy);
  color: var(--white);
  padding: 14px 16px;
  text-align: left;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  white-space: nowrap;
}

.equip-table th:first-child { border-radius: 8px 0 0 0; }
.equip-table th:last-child { border-radius: 0 8px 0 0; }

.equip-table td {
  padding: 13px 16px;
  border-bottom: 1px solid var(--border);
  vertical-align: top;
  line-height: 1.5;
}

.equip-table tr:nth-child(even) td { background: var(--off-white); }
.equip-table tr:last-child td { border-bottom: none; }
.equip-table tr:hover td { background: #fff3ec; }

.equip-table .price-col {
  font-weight: 700;
  color: var(--orange);
  white-space: nowrap;
}

.equip-table .brand-col {
  font-size: 0.83rem;
  color: var(--text-light);
}

/* ============================================================
   MANUFACTURER GRID
   ============================================================ */
.mfr-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(180px, 1fr));
  gap: 14px;
}

.mfr-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 16px;
  text-align: center;
  transition: all 0.2s;
}

.mfr-card:hover {
  border-color: var(--orange);
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}

.mfr-card h4 {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}

.mfr-card p {
  font-size: 0.78rem;
  color: var(--text-light);
}

/* ============================================================
   PROSE / ARTICLE CONTENT
   ============================================================ */
.prose { max-width: 780px; }

.prose h2 {
  font-size: 1.6rem;
  font-weight: 800;
  margin: 40px 0 16px;
  letter-spacing: -0.2px;
  color: var(--navy);
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gray-light);
}

.prose h3 {
  font-size: 1.2rem;
  font-weight: 700;
  margin: 28px 0 12px;
  color: var(--text);
}

.prose h4 {
  font-size: 1rem;
  font-weight: 700;
  margin: 20px 0 8px;
  color: var(--text);
}

.prose p {
  margin-bottom: 18px;
  line-height: 1.75;
  color: var(--text);
}

.prose ul, .prose ol {
  margin: 0 0 18px 20px;
  line-height: 1.7;
}

.prose li { margin-bottom: 8px; }

.prose strong { font-weight: 700; color: var(--navy); }

.prose a { color: var(--orange); font-weight: 500; }
.prose a:hover { text-decoration: underline; }

.prose .highlight-box {
  background: #fff3ec;
  border-left: 4px solid var(--orange);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 20px 24px;
  margin: 28px 0;
}

.prose .highlight-box p { margin: 0; color: var(--navy); font-weight: 500; }

.prose .info-box {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  margin: 28px 0;
}

/* ============================================================
   LICENSE / REQUIREMENTS BOXES
   ============================================================ */
.req-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.req-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
}

.req-card h4 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.req-card ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.req-card li {
  font-size: 0.875rem;
  color: var(--text-light);
  padding: 5px 0;
  border-bottom: 1px solid var(--gray-light);
  display: flex;
  align-items: flex-start;
  gap: 8px;
}

.req-card li:last-child { border-bottom: none; }

.req-card li::before {
  content: '→';
  color: var(--orange);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 1px;
}

/* ============================================================
   INCOME POTENTIAL SECTION
   ============================================================ */
.income-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.income-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  text-align: center;
}

.income-level {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 100px;
  display: inline-block;
  margin-bottom: 14px;
}

.income-level.entry { background: #e8f5e9; color: #2e7d32; }
.income-level.mid { background: #fff3e0; color: #e65100; }
.income-level.senior { background: #e3f2fd; color: #1565c0; }

.income-amount {
  font-size: 2rem;
  font-weight: 800;
  color: var(--navy);
  display: block;
  margin-bottom: 4px;
}

.income-period {
  font-size: 0.82rem;
  color: var(--text-light);
  margin-bottom: 16px;
}

.income-card p {
  font-size: 0.85rem;
  color: var(--text-light);
  line-height: 1.6;
}

/* ============================================================
   COMPARISON TABLE
   ============================================================ */
.comparison-table-wrap { overflow-x: auto; }

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}

.comparison-table th {
  padding: 14px 20px;
  text-align: center;
  font-weight: 700;
  font-size: 0.95rem;
  border-bottom: 2px solid var(--border);
}

.comparison-table th.feature-col { text-align: left; }

.comparison-table th.winner-col {
  background: var(--navy);
  color: var(--white);
  border-radius: 8px 8px 0 0;
}

.comparison-table td {
  padding: 12px 20px;
  border-bottom: 1px solid var(--border);
  text-align: center;
  vertical-align: middle;
}

.comparison-table td.feature-col {
  text-align: left;
  font-weight: 600;
  color: var(--navy);
  font-size: 0.88rem;
}

.comparison-table td.winner-col {
  background: rgba(10,22,40,0.04);
  font-weight: 700;
}

.comparison-table tr:last-child td { border-bottom: none; }

.check { color: #2e7d32; font-weight: 700; }
.cross { color: #c62828; }

/* ============================================================
   FAQ
   ============================================================ */
.faq-list { display: flex; flex-direction: column; gap: 14px; }

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
}

.faq-question {
  padding: 18px 24px;
  font-weight: 700;
  font-size: 0.95rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  gap: 16px;
  color: var(--navy);
}

.faq-question::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--orange);
  flex-shrink: 0;
}

.faq-answer {
  padding: 0 24px 18px;
  font-size: 0.9rem;
  color: var(--text-light);
  line-height: 1.7;
}

/* ============================================================
   CTA BAND
   ============================================================ */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, #1a3a6b 100%);
  color: var(--white);
  padding: 64px 24px;
  text-align: center;
}

.cta-band h2 {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  margin-bottom: 16px;
  letter-spacing: -0.3px;
}

.cta-band p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.8);
  max-width: 540px;
  margin: 0 auto 32px;
  line-height: 1.7;
}

.cta-band-actions {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}

.cta-disclaimer {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  margin-top: 20px;
}

/* ============================================================
   STICKY CTA BAR
   ============================================================ */
.sticky-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--navy);
  border-top: 2px solid var(--orange);
  padding: 14px 24px;
  display: none;
  align-items: center;
  justify-content: space-between;
  z-index: 90;
  gap: 16px;
}

.sticky-cta.visible { display: flex; }

.sticky-cta p {
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
  font-weight: 500;
}

.sticky-cta strong { color: var(--white); }

/* ============================================================
   BREADCRUMB
   ============================================================ */
.breadcrumb {
  background: var(--off-white);
  border-bottom: 1px solid var(--border);
  padding: 12px 0;
}

.breadcrumb-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.83rem;
  flex-wrap: wrap;
}

.breadcrumb a { color: var(--orange); font-weight: 500; }
.breadcrumb span { color: var(--gray-mid); }
.breadcrumb .current { color: var(--text-light); font-weight: 500; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.72);
  padding: 60px 0 32px;
}

.footer-grid {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer-brand p {
  font-size: 0.88rem;
  line-height: 1.7;
  margin: 12px 0 20px;
  max-width: 280px;
}

.footer-phone {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--white);
  font-weight: 700;
  font-size: 1.05rem;
  margin-bottom: 8px;
}

.footer-cta-small {
  display: inline-block;
  margin-top: 16px;
  background: var(--orange);
  color: var(--white);
  padding: 10px 20px;
  border-radius: var(--radius);
  font-size: 0.875rem;
  font-weight: 700;
  text-decoration: none;
}

.footer-col h4 {
  color: var(--white);
  font-size: 0.9rem;
  font-weight: 700;
  margin-bottom: 18px;
  letter-spacing: 0.05em;
}

.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 9px; }
.footer-col ul li a {
  color: rgba(255,255,255,0.65);
  font-size: 0.85rem;
  transition: color 0.15s;
  text-decoration: none;
}
.footer-col ul li a:hover { color: var(--white); }

.footer-bottom {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 24px 24px 0;
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.45); }

.footer-bottom-links {
  display: flex;
  gap: 20px;
}

.footer-bottom-links a {
  color: rgba(255,255,255,0.45);
  font-size: 0.8rem;
  text-decoration: none;
}

.footer-bottom-links a:hover { color: rgba(255,255,255,0.8); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .card-grid-4 { grid-template-columns: repeat(2, 1fr); }
  .card-grid-5 { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .site-nav {
    padding: 4px 4px;
    gap: 0;
    border-radius: 12px;
  }
  .site-nav a {
    font-size: 0.75rem;
    padding: 7px 8px;
  }
  .site-logo { font-size: 0.98rem; }
  .site-logo span.logo-icon { width: 38px; height: 38px; }
}

@media (max-width: 768px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-stats { grid-template-columns: repeat(3, 1fr); }
  .card-grid-2, .card-grid-3 { grid-template-columns: 1fr; }
  .card-grid-4, .card-grid-5 { grid-template-columns: repeat(2, 1fr); }
  .req-grid { grid-template-columns: 1fr; }
  .income-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .mfr-grid { grid-template-columns: repeat(2, 1fr); }
  .site-nav { display: none; }
  .menu-btn { display: block; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
  .hero { padding: 48px 20px 56px; }
  .hero-stats { grid-template-columns: 1fr; }
  .card-grid-4, .card-grid-5 { grid-template-columns: 1fr; }
  .btn { padding: 12px 22px; font-size: 0.9rem; }
  .sticky-cta { flex-direction: column; text-align: center; }
}