/* ==========================================================================
   HanseAnlage – Full-Width Executive Private Banking Design System
   ========================================================================== */

:root {
  --navy-darkest: #050c17;
  --navy-dark: #081325;
  --navy-main: #0b1a30;
  --navy-card: #0f2342;
  --navy-border: #1a355e;
  
  --gold-primary: #c8a14d;
  --gold-hover: #b38e3a;
  --gold-light: #fef9ed;
  --gold-border: rgba(200, 161, 77, 0.35);
  
  --blue-accent: #1d4ed8;
  --blue-hover: #1e40af;
  --blue-light: #eff6ff;

  --emerald-success: #059669;
  --emerald-light: #ecfdf5;

  --text-dark: #09121f;
  --text-body: #1e293b;
  --text-muted: #64748b;
  --text-light: #94a3b8;
  
  --bg-page: #f8fafc;
  --bg-surface: #ffffff;
  --border-subtle: #e2e8f0;
  
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 12px -2px rgba(8, 19, 37, 0.08);
  --shadow-lg: 0 12px 28px -4px rgba(8, 19, 37, 0.1);
  --shadow-xl: 0 20px 40px -8px rgba(8, 19, 37, 0.12);
  
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-xl: 24px;
  --radius-full: 9999px;
  --transition: all 0.22s cubic-bezier(0.4, 0, 0.2, 1);
}

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

body {
  font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--text-body);
  background-color: var(--bg-page);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}

/* Full-Width Expansive Container */
.container {
  width: 100%;
  max-width: 1440px;
  margin: 0 auto;
  padding: 0 32px;
}

/* 1. Header & Live Market Bar */
.top-market-bar {
  background: var(--navy-darkest);
  color: #94a3b8;
  font-size: 12.5px;
  padding: 10px 0;
  border-bottom: 1px solid var(--navy-border);
}

.top-market-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.ticker-pulse {
  width: 8px;
  height: 8px;
  background: #10b981;
  border-radius: 50%;
  box-shadow: 0 0 10px #10b981;
  display: inline-block;
}

.ticker-gold {
  color: var(--gold-primary);
  font-weight: 700;
}

.site-header {
  background: #ffffff;
  border-bottom: 1px solid var(--border-subtle);
  padding: 18px 0;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 14px;
  text-decoration: none;
}

.brand-logo-img {
  height: 48px;
  max-width: 260px;
  object-fit: contain;
  display: block;
}

.footer-logo-img {
  height: 44px;
  max-width: 240px;
  object-fit: contain;
  background: #ffffff;
  padding: 6px 14px;
  border-radius: var(--radius-md);
  margin-bottom: 14px;
  display: block;
}

.brand-crest {
  width: 46px;
  height: 46px;
  background: linear-gradient(135deg, var(--navy-main), var(--navy-darkest));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-primary);
  border: 1px solid var(--gold-border);
  box-shadow: 0 4px 12px rgba(8, 19, 37, 0.2);
}

.brand-title {
  font-size: 26px;
  font-weight: 800;
  color: var(--navy-main);
  letter-spacing: -0.6px;
  line-height: 1.1;
}

.brand-title span {
  color: var(--gold-primary);
}

.brand-subtitle {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 1.8px;
  color: var(--text-muted);
  font-weight: 700;
}

.header-nav-badges {
  display: flex;
  align-items: center;
  gap: 16px;
}

.edb-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #f0fdf4;
  border: 1.5px solid #bbf7d0;
  color: #166534;
  padding: 8px 18px;
  border-radius: var(--radius-full);
  font-size: 13px;
  font-weight: 700;
}

/* 2. Expansive Hero Section */
.hero-executive {
  background: radial-gradient(circle at 50% 0%, #152c4d 0%, var(--navy-darkest) 100%);
  color: #ffffff;
  padding: 50px 0 70px 0;
  position: relative;
}

.hero-executive-header {
  text-align: center;
  max-width: 1000px;
  margin: 0 auto 36px auto;
  position: relative;
  z-index: 2;
}

.executive-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(200, 161, 77, 0.15);
  color: #fef08a;
  border: 1px solid rgba(200, 161, 77, 0.4);
  padding: 7px 20px;
  border-radius: var(--radius-full);
  font-size: 13.5px;
  font-weight: 700;
  margin-bottom: 18px;
}

.hero-title-main {
  font-size: 44px;
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -0.8px;
  margin-bottom: 14px;
}

.hero-title-main span {
  color: var(--gold-primary);
  text-shadow: 0 0 25px rgba(200, 161, 77, 0.35);
}

.hero-desc-main {
  font-size: 18px;
  color: #cbd5e1;
  max-width: 860px;
  margin: 0 auto;
  line-height: 1.6;
}

/* Metric Highlights Strip */
.metrics-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  max-width: 1200px;
  margin: 32px auto 0 auto;
  position: relative;
  z-index: 2;
}

.metric-box {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.14);
  backdrop-filter: blur(10px);
  border-radius: var(--radius-md);
  padding: 18px 20px;
  text-align: center;
}

.metric-val {
  font-size: 26px;
  font-weight: 900;
  color: var(--gold-primary);
}

.metric-lbl {
  font-size: 12.5px;
  color: #cbd5e1;
  font-weight: 600;
  margin-top: 3px;
}

/* 3. Full-Width Expansive Funnel Section */
.funnel-fullwidth-section {
  padding: 40px 0 60px 0;
  background: #ffffff;
  border-bottom: 1px solid var(--border-subtle);
}

.funnel-container {
  background: #ffffff;
  border-radius: var(--radius-xl);
  border: 1.5px solid var(--border-subtle);
  box-shadow: 0 10px 30px rgba(8, 19, 37, 0.06);
  overflow: hidden;
  width: 100%;
}

.funnel-progress-bar {
  background: #f8fafc;
  padding: 20px 36px;
  border-bottom: 1.5px solid var(--border-subtle);
}

.step-indicator {
  display: flex;
  justify-content: space-between;
  position: relative;
  max-width: 1100px;
  margin: 0 auto;
}

.step-indicator::before {
  content: '';
  position: absolute;
  top: 18px;
  left: 40px;
  right: 40px;
  height: 3px;
  background: #e2e8f0;
  z-index: 1;
}

.progress-track {
  position: absolute;
  top: 18px;
  left: 40px;
  height: 3px;
  background: var(--navy-main);
  z-index: 2;
  transition: width 0.4s ease;
  width: 0%;
}

.step-dot {
  position: relative;
  z-index: 3;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}

.step-circle {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #ffffff;
  border: 2px solid #cbd5e1;
  color: #64748b;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 800;
  transition: var(--transition);
}

.step-dot.active .step-circle {
  background: var(--navy-main);
  border-color: var(--navy-main);
  color: var(--gold-primary);
  box-shadow: 0 0 0 5px rgba(11, 26, 48, 0.15);
}

.step-dot.completed .step-circle {
  background: #10b981;
  border-color: #10b981;
  color: #ffffff;
}

.step-label {
  font-size: 13px;
  font-weight: 700;
  color: var(--text-muted);
}

.step-dot.active .step-label {
  color: var(--navy-main);
}

.step-content {
  padding: 40px 48px;
}

.step-panel {
  display: none;
  animation: fadeIn 0.3s ease-in-out;
}

.step-panel.active {
  display: block;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

.panel-header {
  margin-bottom: 30px;
  text-align: center;
}

.panel-title {
  font-size: 26px;
  font-weight: 800;
  color: var(--navy-main);
  margin-bottom: 8px;
}

.panel-desc {
  font-size: 15px;
  color: var(--text-muted);
}

/* Category Filter Bar */
.bank-filter-bar {
  display: flex;
  justify-content: center;
  gap: 10px;
  margin-bottom: 28px;
  flex-wrap: wrap;
}

.bank-filter-btn {
  padding: 8px 18px;
  border-radius: var(--radius-full);
  font-size: 13.5px;
  font-weight: 700;
  background: #f1f5f9;
  border: 1.5px solid var(--border-subtle);
  color: #475569;
  cursor: pointer;
  transition: var(--transition);
}

.bank-filter-btn:hover {
  background: #e2e8f0;
  color: var(--navy-main);
}

.bank-filter-btn.active {
  background: var(--navy-main);
  color: #ffffff;
  border-color: var(--navy-main);
}

/* 4. Full-Width 4-Column German Banks Grid (NO internal scrollbar!) */
.bank-cards-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  padding: 4px;
}

.bank-card {
  border: 2px solid var(--border-subtle);
  border-radius: var(--radius-md);
  padding: 20px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  background: #ffffff;
  cursor: pointer;
  transition: var(--transition);
  position: relative;
  min-height: 220px;
}

.bank-card:hover {
  border-color: var(--navy-main);
  background: #f8fafc;
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}

.bank-card.selected {
  border-color: var(--navy-main);
  background: #f0f7ff;
  box-shadow: 0 0 0 3px rgba(11, 26, 48, 0.18);
}

.bank-card-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 14px;
}

.bank-flag {
  font-size: 24px;
  line-height: 1;
}

.bank-badge-tag {
  font-size: 10.5px;
  font-weight: 700;
  padding: 3px 8px;
  border-radius: 4px;
  background: #ecfdf5;
  color: #065f46;
  border: 1px solid #a7f3d0;
}

.bank-logo-box {
  width: 100%;
  height: 44px;
  display: flex;
  align-items: center;
  margin-bottom: 12px;
}

.bank-logo-box img {
  max-width: 100%;
  max-height: 38px;
  object-fit: contain;
}

.bank-info {
  margin-bottom: 16px;
}

.bank-name {
  font-weight: 800;
  font-size: 15.5px;
  color: var(--navy-main);
  display: block;
  line-height: 1.25;
  margin-bottom: 4px;
}

.bank-location {
  font-size: 12px;
  color: var(--text-muted);
  display: block;
}

.bank-card-bottom {
  border-top: 1px solid var(--border-subtle);
  padding-top: 14px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: auto;
}

.bank-rate {
  font-size: 24px;
  font-weight: 900;
  color: #047857;
  line-height: 1;
}

.bank-rate-label {
  font-size: 11px;
  color: var(--text-muted);
  font-weight: 700;
  text-transform: uppercase;
  margin-top: 2px;
}

.bank-select-btn {
  font-size: 12.5px;
  font-weight: 700;
  background: var(--navy-main);
  color: #fff;
  padding: 6px 16px;
  border-radius: var(--radius-full);
  border: none;
  cursor: pointer;
  transition: var(--transition);
}

.bank-select-btn:hover {
  background: var(--navy-darkest);
}

/* Step 2: Calculator & Duration */
.calc-box {
  background: linear-gradient(135deg, #f8fafc, #f1f5f9);
  border: 1.5px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 32px 40px;
  margin-bottom: 28px;
  max-width: 1000px;
  margin-left: auto;
  margin-right: auto;
}

.calc-display {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}

.calc-label {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy-main);
}

.calc-value {
  font-size: 36px;
  font-weight: 900;
  color: var(--navy-main);
}

.slider-container {
  position: relative;
  margin-bottom: 12px;
}

.custom-range {
  width: 100%;
  height: 10px;
  border-radius: 5px;
  background: #cbd5e1;
  outline: none;
  -webkit-appearance: none;
  cursor: pointer;
}

.custom-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--navy-main);
  cursor: pointer;
  box-shadow: 0 4px 10px rgba(11, 26, 48, 0.4);
  border: 3.5px solid #ffffff;
  transition: transform 0.15s ease;
}

.custom-range::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.slider-limits {
  display: flex;
  justify-content: space-between;
  font-size: 13px;
  color: var(--text-muted);
  font-weight: 600;
}

.profit-preview-card {
  background: #ecfdf5;
  border: 1.5px solid #a7f3d0;
  border-radius: var(--radius-md);
  padding: 20px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin: 0 auto 28px auto;
  max-width: 1000px;
}

.profit-title {
  font-size: 15.5px;
  color: #065f46;
  font-weight: 700;
}

.profit-amount {
  font-size: 30px;
  font-weight: 900;
  color: #047857;
}

.duration-wrap {
  max-width: 1000px;
  margin: 0 auto 24px auto;
}

.duration-label {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy-main);
  margin-bottom: 14px;
  display: block;
}

.duration-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.duration-option {
  border: 2px solid var(--border-subtle);
  border-radius: var(--radius-md);
  padding: 16px 12px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
  background: #ffffff;
}

.duration-option:hover {
  border-color: var(--navy-main);
  background: #f8fafc;
}

.duration-option.selected {
  border-color: var(--navy-main);
  background: #f0f7ff;
  color: var(--navy-main);
  font-weight: 800;
}

.duration-option span {
  display: block;
  font-size: 15px;
}

/* Step 3: Streamlined Form */
.form-wrap-box {
  max-width: 800px;
  margin: 0 auto;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.form-group.full-width {
  grid-column: span 2;
}

.form-label {
  font-size: 14px;
  font-weight: 700;
  color: var(--navy-main);
}

.form-control {
  width: 100%;
  padding: 14px 18px;
  border: 1.5px solid var(--border-subtle);
  border-radius: var(--radius-md);
  font-size: 15px;
  color: var(--text-dark);
  outline: none;
  transition: var(--transition);
  background: #ffffff;
  font-family: inherit;
}

.form-control:focus {
  border-color: var(--navy-main);
  box-shadow: 0 0 0 3px rgba(11, 26, 48, 0.15);
}

.phone-input-group {
  display: flex;
  gap: 10px;
}

.country-code-select {
  width: 110px;
  flex-shrink: 0;
  padding: 14px 10px;
  border: 1.5px solid var(--border-subtle);
  border-radius: var(--radius-md);
  font-size: 14.5px;
  background: #f8fafc;
  outline: none;
  font-family: inherit;
  font-weight: 600;
}

/* Step 4: Questionnaire Choices */
.question-wrap-box {
  max-width: 900px;
  margin: 0 auto;
}

.question-block {
  margin-bottom: 24px;
}

.question-title {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy-main);
  margin-bottom: 12px;
}

.choice-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 12px;
}

.choice-card {
  border: 1.5px solid var(--border-subtle);
  border-radius: var(--radius-md);
  padding: 14px 16px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text-dark);
  background: #ffffff;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
}

.choice-card:hover {
  border-color: var(--navy-main);
  background: #f8fafc;
}

.choice-card.selected {
  border-color: var(--navy-main);
  background: #f0f7ff;
  color: var(--navy-main);
  font-weight: 800;
}

.terms-checkbox-wrap {
  margin-top: 24px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 12.5px;
  color: var(--text-muted);
}

.terms-checkbox-wrap input {
  margin-top: 3px;
  width: 16px;
  height: 16px;
}

.terms-checkbox-wrap a {
  color: var(--navy-main);
  text-decoration: underline;
}

/* Funnel Navigation Buttons */
.funnel-actions {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 36px;
  padding-top: 24px;
  border-top: 1.5px solid var(--border-subtle);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 15.5px;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: var(--transition);
  border: none;
  text-decoration: none;
  font-family: inherit;
}

.btn-primary {
  background: var(--navy-main);
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(11, 26, 48, 0.25);
}

.btn-primary:hover {
  background: var(--navy-darkest);
  transform: translateY(-1px);
}

.btn-outline {
  background: #ffffff;
  color: var(--text-dark);
  border: 1.5px solid var(--border-subtle);
}

.btn-outline:hover {
  background: #f8fafc;
}

/* Step 5: Success Screen */
.success-screen {
  text-align: center;
  padding: 36px 16px;
}

.success-icon-box {
  width: 80px;
  height: 80px;
  background: #ecfdf5;
  color: #10b981;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px auto;
  box-shadow: 0 0 0 10px rgba(16, 185, 129, 0.1);
}

.success-title {
  font-size: 28px;
  font-weight: 800;
  color: var(--navy-main);
  margin-bottom: 10px;
}

.success-subtitle {
  font-size: 16px;
  color: var(--text-muted);
  max-width: 640px;
  margin: 0 auto 28px auto;
  line-height: 1.6;
}

.summary-card {
  background: #f8fafc;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  padding: 24px 28px;
  max-width: 600px;
  margin: 0 auto 28px auto;
  text-align: left;
}

.summary-item {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px dashed var(--border-subtle);
  font-size: 14.5px;
}

.summary-item:last-child {
  border-bottom: none;
}

.summary-key {
  color: var(--text-muted);
}

.summary-val {
  font-weight: 800;
  color: var(--navy-main);
}

/* 5. Complete German Banks Matrix Section */
.banks-marketplace-section {
  padding: 80px 0;
  background: #ffffff;
  border-bottom: 1px solid var(--border-subtle);
}

.section-header-center {
  text-align: center;
  max-width: 860px;
  margin: 0 auto 48px auto;
}

.section-tag-gold {
  color: var(--gold-hover);
  text-transform: uppercase;
  font-weight: 800;
  font-size: 12px;
  letter-spacing: 1.6px;
  display: block;
  margin-bottom: 8px;
}

.section-headline {
  font-size: 34px;
  font-weight: 800;
  color: var(--navy-main);
  letter-spacing: -0.5px;
  margin-bottom: 12px;
}

.section-subheadline {
  font-size: 16.5px;
  color: var(--text-muted);
  line-height: 1.6;
}

.bank-matrix-table-wrap {
  border: 1.5px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  background: #ffffff;
}

.bank-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  font-size: 14.5px;
}

.bank-table th {
  background: #f8fafc;
  color: #475569;
  padding: 16px 24px;
  font-weight: 800;
  border-bottom: 2px solid var(--border-subtle);
}

.bank-table td {
  padding: 18px 24px;
  border-bottom: 1px solid var(--border-subtle);
  vertical-align: middle;
}

.bank-table tr:hover td {
  background: #f8fafc;
}

.bank-row-brand {
  display: flex;
  align-items: center;
  gap: 16px;
}

.bank-rate-badge {
  font-size: 20px;
  font-weight: 900;
  color: #047857;
}

.edb-shield-tag {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 12px;
  font-weight: 700;
  color: #1e40af;
  background: #eff6ff;
  padding: 4px 10px;
  border-radius: 4px;
}

/* 6. Comparison Simulator (Festgeld vs Tagesgeld vs Sparbuch) */
.comparison-simulator-section {
  padding: 80px 0;
  background: var(--bg-page);
  border-bottom: 1px solid var(--border-subtle);
}

.simulator-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 36px;
}

.simulator-card {
  background: #ffffff;
  border: 1.5px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 34px;
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: var(--transition);
}

.simulator-card.highlight {
  border-color: var(--gold-primary);
  box-shadow: var(--shadow-lg), 0 0 25px rgba(200, 161, 77, 0.15);
  background: linear-gradient(180deg, #ffffff 0%, #fefcf6 100%);
}

.card-top-tag {
  position: absolute;
  top: -12px;
  left: 28px;
  background: var(--gold-primary);
  color: #ffffff;
  font-size: 11.5px;
  font-weight: 800;
  padding: 5px 14px;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.sim-title {
  font-size: 22px;
  font-weight: 800;
  color: var(--navy-main);
  margin-bottom: 6px;
}

.sim-rate {
  font-size: 34px;
  font-weight: 900;
  color: #047857;
  margin: 14px 0 18px 0;
}

.sim-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-size: 14px;
  color: var(--text-body);
}

.sim-features li {
  display: flex;
  align-items: center;
  gap: 10px;
}

/* 7. Benefits Section (6 Cards) */
.benefits-section {
  padding: 80px 0;
  background: #ffffff;
  border-bottom: 1px solid var(--border-subtle);
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.benefit-card {
  background: #ffffff;
  border: 1.5px solid var(--border-subtle);
  border-radius: var(--radius-md);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.benefit-card:hover {
  border-color: var(--navy-main);
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.benefit-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: rgba(11, 26, 48, 0.06);
  color: var(--navy-main);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.benefit-title {
  font-size: 19px;
  font-weight: 800;
  color: var(--navy-main);
  margin-bottom: 8px;
}

.benefit-desc {
  font-size: 14.5px;
  color: var(--text-muted);
  line-height: 1.6;
}

/* 8. Institutional Security & Compliance Banner */
.security-compliance-section {
  padding: 44px 0;
  background: var(--navy-darkest);
  color: #94a3b8;
  border-top: 1px solid var(--navy-border);
  border-bottom: 1px solid var(--navy-border);
}

.security-compliance-grid {
  display: flex;
  justify-content: space-around;
  align-items: center;
  flex-wrap: wrap;
  gap: 28px;
}

.security-item {
  display: flex;
  align-items: center;
  gap: 16px;
}

.sec-title {
  font-size: 15px;
  font-weight: 800;
  color: #ffffff;
}

.sec-sub {
  font-size: 12.5px;
  color: #94a3b8;
}

/* 9. Disclaimer */
.disclaimer-section {
  padding: 32px 0;
  background: #f1f5f9;
  font-size: 12px;
  color: #64748b;
  line-height: 1.6;
}

/* 10. Footer */
.site-footer {
  background: var(--navy-darkest);
  color: #94a3b8;
  padding: 64px 0 30px 0;
  font-size: 13.5px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 44px;
}

.footer-brand {
  font-size: 24px;
  font-weight: 900;
  color: #ffffff;
  margin-bottom: 12px;
}

.footer-brand span {
  color: var(--gold-primary);
}

.footer-desc {
  line-height: 1.6;
  max-width: 440px;
}

.footer-title {
  font-size: 15px;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 18px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-links a {
  color: #94a3b8;
  text-decoration: none;
  transition: var(--transition);
}

.footer-links a:hover {
  color: #ffffff;
}

.footer-bottom {
  padding-top: 26px;
  border-top: 1px solid var(--navy-border);
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 13px;
}

/* 11. Cookie Banner */
.cookie-banner {
  position: fixed;
  bottom: 20px;
  left: 20px;
  right: 20px;
  max-width: 640px;
  margin: 0 auto;
  background: #ffffff;
  border: 1px solid var(--border-subtle);
  box-shadow: var(--shadow-xl);
  border-radius: var(--radius-lg);
  padding: 20px 24px;
  z-index: 1000;
  display: none;
}

.cookie-content {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.cookie-text {
  font-size: 13.5px;
  color: var(--text-dark);
  line-height: 1.5;
}

/* 12. SEO FAQ Accordion Section */
.faq-section {
  padding: 80px 0;
  background: #ffffff;
  border-bottom: 1px solid var(--border-subtle);
}

.faq-list {
  max-width: 960px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  border: 1.5px solid var(--border-subtle);
  border-radius: var(--radius-md);
  overflow: hidden;
  background: #ffffff;
  transition: var(--transition);
}

.faq-item:hover {
  border-color: var(--navy-main);
}

.faq-item.active {
  border-color: var(--navy-main);
  box-shadow: var(--shadow-md);
}

.faq-question {
  width: 100%;
  padding: 20px 24px;
  background: #ffffff;
  border: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  font-size: 16px;
  font-weight: 800;
  color: var(--navy-main);
  text-align: left;
  cursor: pointer;
  font-family: inherit;
  transition: var(--transition);
}

.faq-question:hover {
  background: #f8fafc;
}

.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #f1f5f9;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  color: var(--navy-main);
  flex-shrink: 0;
  transition: transform 0.25s ease;
}

.faq-item.active .faq-icon {
  transform: rotate(45deg);
  background: var(--navy-main);
  color: #ffffff;
}

.faq-answer {
  display: none;
  padding: 0 24px 22px 24px;
  font-size: 14.5px;
  color: #475569;
  line-height: 1.7;
}

.faq-item.active .faq-answer {
  display: block;
}

/* Responsive Grid Adjustments */
@media (max-width: 1280px) {
  .bank-cards-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 960px) {
  .bank-cards-grid { grid-template-columns: repeat(2, 1fr); }
  .metrics-strip { grid-template-columns: repeat(2, 1fr); }
  .simulator-grid, .benefits-grid { grid-template-columns: 1fr; }
  .duration-grid { grid-template-columns: repeat(2, 1fr); }
  .form-grid { grid-template-columns: 1fr; }
  .form-group.full-width { grid-column: span 1; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .hero-title-main { font-size: 32px; }
  .step-content { padding: 28px 20px; }
}

@media (max-width: 600px) {
  .bank-cards-grid { grid-template-columns: 1fr; }
  .container { padding: 0 16px; }
}