/* ============================================
   MA PROPERTY INVESTING - Design System
   Style: Shine.fr Yellow Premium
   Langue: Deutsch | Ton: Pro Fintech
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Manrope:wght@300;400;500;600;700;800&family=Sora:wght@600;700;800&display=swap');

/* ============ VARIABLES ============ */
:root {
  --primary: #1B3A6B;
  --primary-dark: #0f2347;
  --primary-light: #2a5298;
  --yellow: #F5C518;
  --yellow-dark: #d4a800;
  --yellow-light: #ffe066;
  --yellow-bg: #fffbea;
  --gold: #F5C518;
  --gold-light: #ffe066;
  --white: #ffffff;
  --off-white: #fafafa;
  --light-gray: #f3f4f6;
  --border: #e5e7eb;
  --gray: #9ca3af;
  --dark-gray: #374151;
  --text: #111827;
  --text-light: #6b7280;

  --font-head: 'Sora', -apple-system, sans-serif;
  --font-sans: 'Manrope', -apple-system, sans-serif;

  --space-xs: 4px;
  --space-sm: 8px;
  --space-md: 16px;
  --space-lg: 32px;
  --space-xl: 64px;
  --space-2xl: 96px;

  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.04);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.08), 0 2px 6px rgba(0,0,0,0.05);
  --shadow-lg: 0 16px 48px rgba(0,0,0,0.1), 0 4px 16px rgba(0,0,0,0.06);
  --shadow-yellow: 0 4px 20px rgba(245,197,24,0.35);
  --shadow-yellow-lg: 0 8px 32px rgba(245,197,24,0.45);

  --transition: 0.2s ease;
  --transition-slow: 0.35s ease;

  --max-width: 1200px;
  --nav-height: 70px;
}

/* ============ RESET ============ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-sans);
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ============ TYPOGRAPHY ============ */
h1, h2, h3 { font-family: var(--font-head); line-height: 1.15; letter-spacing: -0.02em; }
h1 { font-size: clamp(1.9rem, 4.2vw, 3.2rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.6rem); font-weight: 700; }
h3 { font-size: clamp(1.1rem, 2vw, 1.5rem); font-weight: 700; }
h4 { font-size: 1.05rem; font-weight: 700; font-family: var(--font-sans); }
p { font-size: 1rem; line-height: 1.7; color: var(--text-light); }
p + p { margin-top: 12px; }

.text-yellow { color: var(--yellow-dark); }
.text-primary { color: var(--primary); }
.text-white { color: var(--white); }
.text-center { text-align: center; }
.text-dark { color: var(--text); }

/* ============ LAYOUT ============ */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
.section { padding: var(--space-2xl) 0; }
.section-sm { padding: var(--space-xl) 0; }
.section + .section { padding-top: var(--space-xl); }

/* ============ NAVIGATION ============ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--white);
  border-bottom: 2px solid var(--yellow);
  transition: var(--transition);
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
}
.navbar.scrolled {
  box-shadow: 0 4px 24px rgba(0,0,0,0.1);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: var(--nav-height);
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  gap: 12px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-head);
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--primary);
  flex-shrink: 0;
  letter-spacing: -0.01em;
}
.nav-logo span { color: var(--yellow-dark); }
.nav-logo-icon {
  width: 36px; height: 36px;
  background: var(--yellow);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  font-size: 1.1rem;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
}
.nav-links a {
  color: var(--dark-gray);
  font-size: 0.82rem;
  font-weight: 600;
  padding: 7px 10px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  white-space: nowrap;
}
.nav-links a:hover { color: var(--primary); background: var(--yellow-bg); }
.nav-links .nav-dropdown { position: relative; }
.nav-links .nav-dropdown > a::after { content: ' ▾'; font-size: 0.65rem; }
.dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-top: 3px solid var(--yellow);
  border-radius: var(--radius-md);
  min-width: 230px;
  padding: 8px 0;
  box-shadow: var(--shadow-lg);
  z-index: 100;
}
.nav-dropdown:hover .dropdown-menu { display: block; }
.dropdown-menu a {
  display: block;
  padding: 9px 18px;
  font-size: 0.83rem;
  color: var(--dark-gray);
  border-radius: 0;
  font-weight: 500;
  transition: var(--transition);
}
.dropdown-menu a:hover { color: var(--primary); background: var(--yellow-bg); padding-left: 24px; }
.nav-cta {
  background: var(--yellow) !important;
  color: var(--primary-dark) !important;
  font-weight: 800 !important;
  padding: 9px 18px !important;
  border-radius: var(--radius-md) !important;
  transition: all 0.2s ease !important;
  white-space: nowrap !important;
  font-size: 0.83rem !important;
  box-shadow: var(--shadow-yellow) !important;
}
.nav-cta:hover { background: var(--yellow-dark) !important; transform: translateY(-1px); box-shadow: var(--shadow-yellow-lg) !important; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  flex-shrink: 0;
  background: none;
  border: none;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--primary);
  border-radius: 2px;
  transition: var(--transition);
}

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 700;
  cursor: pointer;
  border: none;
  transition: var(--transition);
  letter-spacing: 0.01em;
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary {
  background: var(--yellow);
  color: var(--primary-dark);
  box-shadow: var(--shadow-yellow);
}
.btn-primary:hover {
  background: var(--yellow-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-yellow-lg);
}
.btn-secondary {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.5);
}
.btn-secondary:hover {
  border-color: var(--yellow);
  color: var(--yellow);
  background: rgba(245,197,24,0.08);
}
.btn-navy {
  background: var(--primary);
  color: var(--white);
}
.btn-navy:hover {
  background: var(--primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(27,58,107,0.3);
}
.btn-outline {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
}
.btn-outline:hover {
  background: var(--primary);
  color: var(--white);
}
.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn-sm { padding: 8px 16px; font-size: 0.82rem; }
.btn-full { width: 100%; justify-content: center; }

/* ============ HERO ============ */
.hero {
  min-height: 100vh;
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--primary-dark);
  padding: calc(var(--nav-height) + 40px) 0 var(--space-2xl);
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0.25;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(15,35,71,0.95) 0%, rgba(27,58,107,0.8) 60%, rgba(15,35,71,0.9) 100%);
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: var(--max-width);
  padding-top: 0;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--yellow);
  color: var(--primary-dark);
  padding: 6px 16px;
  border-radius: var(--radius-full);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: var(--space-md);
}
.hero h1 { color: var(--white); margin-bottom: var(--space-md); }
.hero h1 em { color: var(--yellow); font-style: normal; }
.hero p { color: rgba(255,255,255,0.75); font-size: 1.1rem; margin-bottom: var(--space-lg); max-width: 600px; }
.hero-actions { display: flex; gap: var(--space-md); flex-wrap: wrap; align-items: center; }
.hero-stats {
  display: flex;
  gap: var(--space-lg);
  margin-top: var(--space-xl);
  padding-top: var(--space-lg);
  border-top: 1px solid rgba(255,255,255,0.1);
  flex-wrap: wrap;
}
.hero-stat-item .value {
  font-family: var(--font-head);
  font-size: 2rem;
  font-weight: 800;
  color: var(--yellow);
  line-height: 1;
}
.hero-stat-item .label {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-top: 4px;
}

/* Hero yellow accent line */
.hero-accent-line {
  width: 60px;
  height: 4px;
  background: var(--yellow);
  border-radius: 2px;
  margin-bottom: var(--space-md);
}

/* ============ SECTION HEADERS ============ */
.section-label {
  display: inline-block;
  background: var(--yellow);
  color: var(--primary-dark);
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-sm);
}
.section-header { margin-bottom: var(--space-xl); }
.section-header h2 { color: var(--text); margin-bottom: var(--space-md); }
.section-header p { max-width: 600px; font-size: 1.05rem; }
.section-header.centered { text-align: center; }
.section-header.centered p { margin: 0 auto; }

/* ============ CARDS ============ */
.card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--yellow);
}
.card-body { padding: var(--space-lg); }
.card-img {
  width: 100%;
  height: 220px;
  object-fit: cover;
}

/* ============ GRID ============ */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-lg); }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-lg); }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-md); }
.responsive-2col { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }

/* ============ STATS BAR ============ */
.stats-bar {
  background: var(--primary-dark);
  padding: var(--space-xl) 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-lg);
  text-align: center;
}
.stat-item .stat-value {
  font-family: var(--font-head);
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--yellow);
  line-height: 1;
}
.stat-item .stat-label {
  color: rgba(255,255,255,0.55);
  font-size: 0.78rem;
  margin-top: 8px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

/* ============ INVESTMENT CARDS ============ */
.invest-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1.5px solid var(--border);
  transition: var(--transition-slow);
  position: relative;
}
.invest-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--yellow); }
.invest-card-img { height: 200px; overflow: hidden; }
.invest-card-img img { width: 100%; height: 100%; object-fit: cover; transition: var(--transition-slow); }
.invest-card:hover .invest-card-img img { transform: scale(1.05); }
.invest-card-body { padding: var(--space-lg); }
.invest-card-tag {
  display: inline-block;
  background: var(--yellow);
  color: var(--primary-dark);
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: var(--radius-full);
  margin-bottom: 12px;
}
.invest-card h3 { color: var(--text); margin-bottom: 8px; font-size: 1.2rem; }
.invest-card p { font-size: 0.9rem; margin-bottom: var(--space-md); }
.invest-card-meta {
  display: flex;
  gap: var(--space-md);
  padding-top: var(--space-md);
  border-top: 1.5px solid var(--light-gray);
  flex-wrap: wrap;
}
.meta-item .meta-val { font-size: 1.3rem; font-weight: 800; color: var(--primary); font-family: var(--font-head); }
.meta-item .meta-key { font-size: 0.7rem; color: var(--gray); text-transform: uppercase; letter-spacing: 0.07em; margin-top: 2px; }

/* ============ CALCULATOR ============ */
.calculator-section {
  background: var(--primary-dark);
  padding: var(--space-2xl) 0;
  position: relative;
  overflow: hidden;
}
.calculator-section::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(245,197,24,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.calc-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-xl);
  align-items: start;
}
.calc-intro h2 { color: var(--white); margin-bottom: var(--space-md); }
.calc-intro h2 em { color: var(--yellow); font-style: normal; }
.calc-intro p { color: rgba(255,255,255,0.7); font-size: 1.05rem; margin-bottom: var(--space-lg); }
.calc-features { display: flex; flex-direction: column; gap: 14px; margin-top: var(--space-md); }
.calc-feature {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255,255,255,0.8);
  font-size: 0.9rem;
}
.calc-feature-icon {
  width: 32px; height: 32px;
  background: var(--yellow);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  color: var(--primary-dark);
  font-weight: 700;
  font-size: 0.85rem;
}
.calc-box {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  box-shadow: var(--shadow-lg);
  border: 2px solid transparent;
  transition: var(--transition);
}
.calc-box:hover { border-color: var(--yellow); }
.calc-box h3 { color: var(--text); margin-bottom: var(--space-lg); font-size: 1.3rem; }
.calc-group { margin-bottom: var(--space-md); }
.calc-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 6px;
}
.calc-group input, .calc-group select {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  font-family: var(--font-sans);
  font-size: 0.95rem;
  color: var(--text);
  transition: var(--transition);
  background: var(--off-white);
}
.calc-group input:focus, .calc-group select:focus {
  outline: none;
  border-color: var(--yellow);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(245,197,24,0.2);
}
.calc-range-wrap { position: relative; padding-top: 28px; }
.calc-range-wrap input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  background: var(--light-gray);
  border-radius: 3px;
  border: none;
  padding: 0;
  background: linear-gradient(to right, var(--yellow) 0%, var(--light-gray) 0%);
}
.calc-range-wrap input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  background: var(--yellow);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: var(--shadow-yellow);
  border: 3px solid var(--white);
}
.calc-range-wrap input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px;
  background: var(--yellow);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid var(--white);
}
.calc-range-val {
  position: absolute;
  right: 0; top: 0;
  font-size: 0.92rem;
  font-weight: 800;
  color: var(--primary);
  background: var(--yellow);
  padding: 2px 10px;
  border-radius: var(--radius-full);
}
.calc-results {
  background: var(--primary-dark);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  margin-top: var(--space-md);
  border: 2px solid var(--yellow);
}
.calc-results-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-md); }
.result-item .result-val {
  font-family: var(--font-head);
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--yellow);
}
.result-item .result-key {
  font-size: 0.68rem;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-top: 2px;
}
.calc-cta { margin-top: var(--space-md); }

/* ============ CITY CARDS ============ */
.city-card {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  height: 280px;
  cursor: pointer;
  transition: var(--transition-slow);
}
.city-card:hover { transform: scale(1.02); }
.city-card img { width: 100%; height: 100%; object-fit: cover; transition: var(--transition-slow); }
.city-card:hover img { transform: scale(1.08); }
.city-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(15,35,71,0.92) 0%, rgba(15,35,71,0.3) 60%, transparent 100%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: var(--space-lg);
}
.city-overlay h3 { color: var(--white); font-size: 1.3rem; margin-bottom: 4px; }
.city-overlay .city-yield { color: var(--yellow); font-size: 0.85rem; font-weight: 700; }
.city-overlay .city-arrow {
  position: absolute;
  top: var(--space-md); right: var(--space-md);
  width: 36px; height: 36px;
  background: var(--yellow);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--primary-dark);
  font-weight: 800;
  transition: var(--transition);
  opacity: 0;
}
.city-card:hover .city-arrow { opacity: 1; transform: scale(1.1); }

/* ============ PROCESS STEPS ============ */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-lg); position: relative; }
.steps-grid::before {
  content: '';
  position: absolute;
  top: 32px; left: 10%; right: 10%;
  height: 3px;
  background: linear-gradient(90deg, var(--yellow) 0%, rgba(245,197,24,0.15) 100%);
  z-index: 0;
}
.step-item { text-align: center; position: relative; z-index: 1; }
.step-num {
  width: 64px; height: 64px;
  background: var(--yellow);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto var(--space-md);
  font-family: var(--font-head);
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--primary-dark);
  box-shadow: var(--shadow-yellow);
}
.step-item h4 { color: var(--text); margin-bottom: 8px; }
.step-item p { font-size: 0.875rem; }

/* ============ TESTIMONIAL ============ */
.testimonial-section { background: var(--light-gray); }
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  box-shadow: var(--shadow-md);
  border-top: 4px solid var(--yellow);
  position: relative;
}
.testimonial-card::before {
  content: '"';
  position: absolute;
  top: -10px; left: 24px;
  font-family: var(--font-head);
  font-size: 5rem;
  color: var(--yellow);
  opacity: 0.3;
  line-height: 1;
}
.testimonial-text { font-size: 1.05rem; color: var(--text); font-style: italic; margin-bottom: var(--space-md); line-height: 1.8; }
.testimonial-author { display: flex; align-items: center; gap: var(--space-md); }
.author-avatar {
  width: 48px; height: 48px;
  background: var(--yellow);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--primary-dark);
  font-weight: 800;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.author-name { font-weight: 700; color: var(--text); font-size: 0.95rem; }
.author-role { font-size: 0.8rem; color: var(--gray); }
.stars { color: var(--yellow-dark); font-size: 0.9rem; }

/* ============ FAQ ============ */
.faq-item {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-bottom: 10px;
  transition: var(--transition);
}
.faq-item.active { border-color: var(--yellow); box-shadow: 0 0 0 3px rgba(245,197,24,0.1); }
.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-md) var(--space-lg);
  cursor: pointer;
  background: var(--white);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text);
  transition: var(--transition);
  user-select: none;
  gap: 16px;
}
.faq-question:hover { background: var(--yellow-bg); }
.faq-item.active .faq-question { background: var(--yellow-bg); }
.faq-icon {
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--light-gray);
  border: none;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem;
  flex-shrink: 0;
  transition: var(--transition);
  color: var(--text);
}
.faq-item.active .faq-icon { background: var(--yellow); color: var(--primary-dark); transform: rotate(45deg); }
.faq-answer {
  display: none;
  padding: 0 var(--space-lg) var(--space-md);
  font-size: 0.93rem;
  color: var(--text-light);
  line-height: 1.7;
  border-top: 1px solid var(--border);
  background: var(--white);
}
.faq-item.active .faq-answer { display: block; }

/* ============ CONTACT ============ */
.contact-section { background: var(--off-white); }
.contact-grid { display: grid; grid-template-columns: 1fr 1.5fr; gap: var(--space-2xl); align-items: start; }
.contact-info h2 { color: var(--text); margin-bottom: var(--space-md); }
.contact-info p { font-size: 1.05rem; margin-bottom: var(--space-lg); }
.contact-features { display: flex; flex-direction: column; gap: var(--space-md); }
.contact-feature { display: flex; align-items: flex-start; gap: var(--space-md); }
.contact-feature-icon {
  width: 44px; height: 44px;
  background: var(--yellow);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  color: var(--primary-dark);
  flex-shrink: 0;
  font-size: 1.1rem;
  font-weight: 800;
}
.contact-feature h4 { color: var(--text); margin-bottom: 2px; font-size: 0.95rem; }
.contact-feature p { font-size: 0.85rem; margin: 0; }
.tally-wrapper {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  box-shadow: var(--shadow-lg);
  border: 2px solid var(--yellow);
}
.tally-wrapper h3 { color: var(--text); margin-bottom: var(--space-lg); font-size: 1.3rem; }

/* ============ STICKY FOOTER CTA ============ */
.sticky-footer-cta {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 900;
  background: var(--primary-dark);
  border-top: 3px solid var(--yellow);
  padding: 12px 24px;
  transform: translateY(100%);
  transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 -8px 32px rgba(0,0,0,0.2);
}
.sticky-footer-cta.visible { transform: translateY(0); }
.sticky-cta-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  flex-wrap: wrap;
}
.sticky-cta-text { flex: 1; min-width: 180px; }
.sticky-cta-text strong { display: block; color: var(--white); font-size: 0.88rem; font-weight: 700; }
.sticky-cta-text span { color: rgba(255,255,255,0.55); font-size: 0.73rem; }
.sticky-cta-actions { display: flex; gap: 10px; align-items: center; }
.sticky-close {
  color: rgba(255,255,255,0.35);
  cursor: pointer;
  font-size: 1.2rem;
  line-height: 1;
  padding: 4px 8px;
  transition: var(--transition);
  background: none;
  border: none;
}
.sticky-close:hover { color: var(--white); }

/* ============ EXIT POPUP ============ */
.exit-popup-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(15,35,71,0.88);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  z-index: 9999;
  align-items: center;
  justify-content: center;
  padding: var(--space-md);
}
.exit-popup-overlay.show { display: flex; }
.exit-popup {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  max-width: 520px;
  width: 100%;
  position: relative;
  box-shadow: 0 32px 96px rgba(0,0,0,0.3);
  text-align: center;
  animation: popupIn 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
  border-top: 5px solid var(--yellow);
}
@keyframes popupIn {
  from { transform: scale(0.85) translateY(20px); opacity: 0; }
  to { transform: scale(1) translateY(0); opacity: 1; }
}
.popup-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--yellow);
  color: var(--primary-dark);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-md);
}
.exit-popup h2 { color: var(--primary-dark); font-size: 1.7rem; margin-bottom: var(--space-sm); }
.exit-popup h2 em { color: var(--yellow-dark); font-style: normal; }
.exit-popup p { color: var(--text-light); margin-bottom: var(--space-lg); font-size: 0.93rem; }
.exit-popup-cta { display: flex; flex-direction: column; gap: 10px; }
.exit-popup .btn { justify-content: center; }
.exit-dismiss {
  font-size: 0.8rem;
  color: var(--gray);
  cursor: pointer;
  padding: 4px 0;
  transition: var(--transition);
  background: none;
  border: none;
  font-family: var(--font-sans);
}
.exit-dismiss:hover { color: var(--primary); }
.exit-close {
  position: absolute;
  top: 14px; right: 14px;
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--light-gray);
  border: none;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  color: var(--gray);
  transition: var(--transition);
}
.exit-close:hover { background: var(--yellow); color: var(--primary-dark); }
.popup-yield-preview {
  background: var(--primary-dark);
  border-radius: var(--radius-lg);
  padding: var(--space-md) var(--space-lg);
  margin: var(--space-md) 0;
  display: flex;
  justify-content: space-around;
}
.popup-yield-item .py-val { font-family: var(--font-head); font-size: 1.5rem; color: var(--yellow); font-weight: 800; }
.popup-yield-item .py-key { font-size: 0.68rem; color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.07em; }

/* ============ FOOTER ============ */
.site-footer {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.65);
  padding-bottom: 80px;
}
.footer-top {
  padding: var(--space-2xl) 0 var(--space-xl);
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: var(--space-xl); }
.footer-grid-new { display: grid; grid-template-columns: 1.8fr 1fr 1fr 1fr; gap: var(--space-xl); }
.footer-brand p { font-size: 0.875rem; line-height: 1.7; max-width: 280px; margin-bottom: var(--space-md); }
.footer-heading {
  color: var(--white);
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.footer-links { display: flex; flex-direction: column; gap: 8px; }
.footer-links a { font-size: 0.82rem; color: rgba(255,255,255,0.5); transition: var(--transition); }
.footer-links a:hover { color: var(--yellow); padding-left: 4px; }
.footer-bottom {
  padding: var(--space-lg) 0 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-md);
}
.footer-legal { font-size: 0.75rem; color: rgba(255,255,255,0.3); }
.footer-legal a { color: rgba(255,255,255,0.45); transition: var(--transition); }
.footer-legal a:hover { color: var(--yellow); }
.footer-disclaimer {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.25);
  line-height: 1.5;
  padding-top: var(--space-md);
  border-top: 1px solid rgba(255,255,255,0.05);
  margin-top: var(--space-md);
}
.gold-line { display: block; width: 40px; height: 4px; background: var(--yellow); border-radius: 2px; margin-bottom: var(--space-md); }

/* ============ TRUST BADGES ============ */
.trust-bar {
  background: var(--yellow-bg);
  padding: var(--space-lg) 0;
  border-top: 1px solid rgba(245,197,24,0.2);
  border-bottom: 1px solid rgba(245,197,24,0.2);
}
.trust-items {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  gap: var(--space-md);
  align-items: center;
  justify-items: center;
}
.trust-item {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  color: var(--dark-gray);
  font-size: 0.875rem;
  font-weight: 600;
  text-align: center;
  padding: 6px 8px;
}
.trust-icon { color: var(--yellow-dark); font-size: 1.2rem; display: inline-flex; align-items: center; justify-content: center; }
.trust-item svg { stroke: var(--yellow-dark); }

/* ============ HIGHLIGHT BOX ============ */
.highlight-box {
  background: var(--yellow-bg);
  border: 1.5px solid rgba(245,197,24,0.35);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
}

/* ============ PAGE HERO (inner pages) ============ */
.page-hero {
  background: var(--primary-dark);
  padding: 140px 0 var(--space-2xl);
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--yellow);
}
.page-hero::after { display: none; }
.page-hero h1 { color: var(--white); margin-bottom: var(--space-md); }
.page-hero h1 em { color: var(--yellow); font-style: normal; }
.page-hero p { color: rgba(255,255,255,0.7); max-width: 600px; font-size: 1.05rem; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.45);
  margin-bottom: var(--space-md);
  flex-wrap: wrap;
}
.breadcrumb a { color: rgba(255,255,255,0.45); transition: var(--transition); }
.breadcrumb a:hover { color: var(--yellow); }
.breadcrumb span { color: var(--yellow); }
.page-hero .hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--yellow);
  color: var(--primary-dark);
  padding: 5px 14px;
  border-radius: var(--radius-full);
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: var(--space-md);
}

/* ============ SCROLL ANIMATIONS ============ */
.reveal-on-scroll {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.reveal-on-scroll.revealed {
  opacity: 1;
  transform: translateY(0);
}
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }

/* ============ MOBILE NAV ============ */
.mobile-menu {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 999;
  background: var(--primary-dark);
  flex-direction: column;
  padding: 0;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}
.mobile-menu.open { display: flex; }
.mobile-menu-inner {
  padding: 80px 24px var(--space-xl);
  display: flex;
  flex-direction: column;
  flex: 1;
}
.mobile-menu-header {
  padding: 16px 24px;
  background: var(--primary-dark);
  border-bottom: 2px solid var(--yellow);
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1001;
}
.mobile-logo {
  font-family: var(--font-head);
  font-weight: 800;
  color: var(--white);
  font-size: 1rem;
}
.mobile-logo span { color: var(--yellow); }
.mobile-menu-section {
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--yellow);
  margin: var(--space-md) 0 8px;
}
.mobile-menu a {
  color: rgba(255,255,255,0.8);
  font-size: 0.95rem;
  font-weight: 500;
  padding: 11px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: var(--transition);
  display: block;
}
.mobile-menu a:hover { color: var(--yellow); padding-left: 6px; }
.mobile-menu .mobile-cta-btn {
  background: var(--yellow);
  color: var(--primary-dark);
  font-weight: 800;
  padding: 14px 24px;
  border-radius: var(--radius-md);
  text-align: center;
  margin-top: var(--space-lg);
  border: none;
  font-size: 0.95rem;
  display: block;
}
.mobile-close {
  background: rgba(255,255,255,0.08);
  border: none;
  color: var(--white);
  font-size: 1.3rem;
  cursor: pointer;
  padding: 8px;
  border-radius: var(--radius-sm);
  line-height: 1;
  display: flex; align-items: center; justify-content: center;
  width: 38px; height: 38px;
}

/* ============ YELLOW BAND ============ */
.yellow-band {
  background: var(--yellow);
  padding: 18px 0;
}
.yellow-band-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  flex-wrap: wrap;
}
.yellow-band p { color: var(--primary-dark); font-weight: 700; font-size: 0.95rem; margin: 0; }
.yellow-band .btn-navy { padding: 10px 22px; font-size: 0.88rem; }

/* ============ TABLE STYLES ============ */
.styled-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}
.styled-table th {
  background: var(--primary-dark);
  color: var(--white);
  padding: 12px 16px;
  text-align: left;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.styled-table th:first-child { border-radius: var(--radius-sm) 0 0 0; }
.styled-table th:last-child { border-radius: 0 var(--radius-sm) 0 0; }
.styled-table td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--border);
  color: var(--text);
  vertical-align: middle;
}
.styled-table tr:hover td { background: var(--yellow-bg); }
.styled-table .highlight-row td { background: rgba(245,197,24,0.08); font-weight: 600; }
.styled-table .yellow-cell { color: var(--yellow-dark); font-weight: 800; }

/* ============ BADGE / PILL ============ */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 3px 10px;
  border-radius: var(--radius-full);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.05em;
}
.badge-yellow { background: var(--yellow); color: var(--primary-dark); }
.badge-navy { background: var(--primary); color: var(--white); }
.badge-green { background: #d1fae5; color: #065f46; }

/* ============ RESPONSIVE - 1200px ============ */
@media (max-width: 1200px) {
  .nav-links a { font-size: 0.76rem; padding: 6px 7px; }
  .footer-grid, .footer-grid-new { grid-template-columns: 1fr 1fr 1fr; }
  .footer-grid > *:last-child, .footer-grid-new > *:last-child { grid-column: span 1; }
}

/* ============ RESPONSIVE - 1024px ============ */
@media (max-width: 1024px) {
  :root { --space-xl: 48px; --space-2xl: 72px; }
  .grid-4, .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid, .footer-grid-new { grid-template-columns: 1fr 1fr; gap: var(--space-lg); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid::before { display: none; }
  .contact-grid { grid-template-columns: 1fr; }
  .calc-wrapper { grid-template-columns: 1fr; gap: var(--space-lg); }
  .responsive-2col { grid-template-columns: 1fr; gap: var(--space-lg); }
  .nav-links { gap: 0; }
  .nav-links a { font-size: 0.74rem; padding: 5px 6px; }
  .nav-cta { padding: 8px 12px !important; }
}

/* ============ RESPONSIVE - 768px ============ */
@media (max-width: 768px) {
  :root { --space-xl: 40px; --space-2xl: 56px; }

  h1 { font-size: clamp(1.75rem, 6vw, 2.6rem); }

  .nav-links { display: none; }
  .hamburger { display: flex; }

  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-4, .stats-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid, .footer-grid-new { grid-template-columns: 1fr 1fr; gap: var(--space-md); }
  .steps-grid { grid-template-columns: 1fr 1fr; }
  .calc-wrapper { grid-template-columns: 1fr; }
  .responsive-2col { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }

  .hero-stats { flex-wrap: wrap; gap: var(--space-md); }
  .hero-stat-item .value { font-size: 1.6rem; }
  .hero-actions { flex-direction: column; align-items: flex-start; }
  .hero-actions .btn { width: 100%; justify-content: center; max-width: 360px; }

  .sticky-footer-cta { padding: 10px 16px; }
  .sticky-cta-text strong { font-size: 0.8rem; }
  .sticky-cta-text span { display: none; }
  .sticky-cta-actions .btn-secondary { display: none; }

  .exit-popup { padding: var(--space-lg) var(--space-md); }
  .exit-popup h2 { font-size: 1.4rem; }
  .popup-yield-preview { gap: 8px; }

  .page-hero { padding: 110px 0 var(--space-xl); }
  .calc-box { padding: var(--space-lg) var(--space-md); }
  .calc-results-grid { grid-template-columns: 1fr 1fr; }

  .yellow-band-inner { flex-direction: column; text-align: center; }

  .table-responsive { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: var(--radius-md); }
}

/* ============ RESPONSIVE - 480px ============ */
@media (max-width: 480px) {
  :root {
    --space-lg: 24px;
    --space-xl: 32px;
    --space-2xl: 48px;
  }
  .container { padding: 0 16px; }
  .section, .calculator-section { padding: var(--space-xl) 0; }
  .section-sm { padding: var(--space-lg) 0; }

  h1 { font-size: clamp(1.6rem, 7vw, 2.2rem); }
  h2 { font-size: clamp(1.3rem, 6vw, 1.9rem); }

  .grid-4, .stats-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid, .footer-grid-new { grid-template-columns: 1fr 1fr; gap: var(--space-md); }
  .calc-results-grid { grid-template-columns: 1fr 1fr; }
  .steps-grid { grid-template-columns: 1fr; }

  .trust-items { grid-template-columns: 1fr; justify-items: start; }
  .trust-item { justify-content: flex-start; text-align: left; }
  .hero-stats { flex-direction: column; gap: 14px; }
  .hero-badge { font-size: 0.67rem; padding: 5px 12px; }

  .btn-lg { padding: 14px 22px; font-size: 0.93rem; }
  .nav-inner { height: 60px; }
  .nav-logo { font-size: 0.95rem; }
  .nav-logo-icon { width: 30px; height: 30px; }

  .invest-card-meta { flex-wrap: wrap; gap: 10px; }
  .stats-grid { gap: var(--space-md); }
  .stat-item .stat-value { font-size: 1.8rem; }

  .tally-wrapper { padding: var(--space-lg) var(--space-md); }
  .calc-box { padding: var(--space-md); }
  .exit-popup { padding: var(--space-md); }

  .popup-yield-item .py-val { font-size: 1.2rem; }
}

/* ============ RESPONSIVE - 360px ============ */
@media (max-width: 360px) {
  .container { padding: 0 12px; }
  h1 { font-size: 1.55rem; }
  h2 { font-size: 1.25rem; }
  .hero-stat-item .value { font-size: 1.4rem; }
  .footer-grid, .footer-grid-new { grid-template-columns: 1fr; }
  .grid-4, .stats-grid { grid-template-columns: 1fr; }
  .nav-cta { display: none; }
}

/* ============ UTILITIES ============ */
.mt-sm { margin-top: var(--space-sm); }
.mt-md { margin-top: var(--space-md); }
.mt-lg { margin-top: var(--space-lg); }
.mt-xl { margin-top: var(--space-xl); }
.mb-lg { margin-bottom: var(--space-lg); }
.mb-xl { margin-bottom: var(--space-xl); }
.fw-bold { font-weight: 700; }
.fw-black { font-weight: 800; }
.d-flex { display: flex; }
.gap-md { gap: var(--space-md); }
.align-center { align-items: center; }
.flex-wrap { flex-wrap: wrap; }
.w-full { width: 100%; }
.hidden { display: none; }

/* Scrollbar */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--light-gray); }
::-webkit-scrollbar-thumb { background: var(--yellow); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--yellow-dark); }

/* Compare selects grid mobile */
@media (max-width: 600px) {
  #compareSelects { grid-template-columns: 1fr !important; }
  #comparisonResult { grid-template-columns: 1fr !important; }
}

/* Selection color */
::selection { background: var(--yellow); color: var(--primary-dark); }