/* ============ Tokens ============ */
:root {
  --ink: #0A1A33;
  --ink-2: #334155;
  --muted: #64748B;
  --line: #E2E8F0;
  --bg: #FFFFFF;
  --bg-tint: #F6F4EE;
  --brand: #B8892B;
  --brand-600: #8A6514;
  --brand-50: #F8F1E0;
  --accent: #E5C46B;
  --red: #E11D48;
  --red-50: #FFF1F2;
  --whats: #25D366;
  --whats-600: #1EBE5A;
  --radius: 20px;
  --shadow-sm: 0 1px 2px rgba(10, 26, 51, .06), 0 2px 8px rgba(10, 26, 51, .04);
  --shadow: 0 10px 30px rgba(10, 26, 51, .08);
  --shadow-lg: 0 30px 80px rgba(10, 26, 51, .14);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body {
  margin: 0;
  font-family: "Plus Jakarta Sans", system-ui, -apple-system, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}
h1, h2, h3, p { margin: 0; }
a { color: inherit; text-decoration: none; }
ul, ol { margin: 0; padding: 0; list-style: none; }
::selection { background: var(--accent); color: var(--ink); }

.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.ico { width: 18px; height: 18px; flex-shrink: 0; }
.muted { color: var(--muted); }

/* ============ Buttons ============ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  height: 48px; padding: 0 22px; border-radius: 999px; border: 0;
  font: inherit; font-weight: 700; font-size: 15px; letter-spacing: -.01em;
  cursor: pointer; transition: transform .15s, box-shadow .2s, background .2s;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn--sm { height: 40px; padding: 0 18px; font-size: 14px; }
.btn--lg { height: 56px; padding: 0 28px; font-size: 16px; }
.btn--block { width: 100%; }
.btn--primary { background: linear-gradient(135deg, #D4AF37, var(--brand)); color: var(--ink); box-shadow: 0 8px 24px rgba(184, 137, 43, .35); }
.btn--primary:hover { background: linear-gradient(135deg, #C9A227, var(--brand-600)); color: #fff; box-shadow: 0 12px 30px rgba(184, 137, 43, .45); }
.btn--ghost { background: #fff; color: var(--ink); border: 1.5px solid var(--line); }
.btn--ghost:hover { border-color: var(--ink); }
.btn--accent { background: var(--accent); color: var(--ink); box-shadow: 0 8px 24px rgba(229, 196, 107, .35); }
.btn--accent:hover { box-shadow: 0 12px 32px rgba(229, 196, 107, .5); }
.btn--whats { background: var(--whats); color: #fff; box-shadow: 0 8px 24px rgba(37, 211, 102, .35); }
.btn--whats:hover { background: var(--whats-600); }
.btn--whats .ico { width: 22px; height: 22px; }

/* ============ Dots, tags ============ */
.dot { display: inline-block; width: 8px; height: 8px; border-radius: 50%; background: var(--accent); }
.dot--green { background: var(--brand); }
.dot--pulse { animation: pulse 1.8s infinite; }
@keyframes pulse {
  0% { box-shadow: 0 0 0 0 rgba(184, 137, 43, .5); }
  70% { box-shadow: 0 0 0 8px rgba(184, 137, 43, 0); }
  100% { box-shadow: 0 0 0 0 rgba(184, 137, 43, 0); }
}
.tag { font-size: 11px; font-weight: 700; padding: 4px 10px; border-radius: 999px; }
.tag--green { background: var(--brand-50); color: var(--brand-600); }
.tag--blue { background: #EFF6FF; color: #1D4ED8; }

.eyebrow {
  display: inline-block; font-size: 13px; font-weight: 700; text-transform: uppercase;
  letter-spacing: .1em; color: var(--brand-600); background: var(--brand-50);
  padding: 6px 14px; border-radius: 999px;
}
.eyebrow--red { color: var(--red); background: var(--red-50); }
.eyebrow--accent { color: var(--ink); background: var(--accent); }

/* ============ Topbar & Header ============ */
.topbar { background: var(--ink); color: #fff; font-size: 13px; }
.topbar__inner { display: flex; align-items: center; justify-content: center; gap: 10px; min-height: 40px; flex-wrap: wrap; padding-top: 6px; padding-bottom: 6px; text-align: center; }
.topbar__link { color: var(--accent); font-weight: 700; }

.header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .85); backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid transparent; transition: border-color .2s, box-shadow .2s;
}
.header.is-scrolled { border-color: var(--line); box-shadow: var(--shadow-sm); }
.header__inner { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 24px; }
.logo { display: inline-flex; align-items: center; gap: 10px; }
.logo__mark { width: 40px; height: 40px; flex-shrink: 0; transition: transform .3s; }
.logo:hover .logo__mark { transform: rotate(-6deg) scale(1.05); }
.logo__text { display: flex; flex-direction: column; line-height: 1.05; }
.logo__name { font-weight: 800; font-size: 20px; letter-spacing: -.035em; color: var(--ink); }
.logo__name b { font-weight: 800; color: var(--brand); }
.logo__tag { margin-top: 3px; font-size: 9.5px; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; color: var(--muted); }
.nav { display: flex; gap: 32px; font-size: 15px; font-weight: 500; color: var(--ink-2); }
.nav a:hover { color: var(--brand-600); }
.menu-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; }
.menu-toggle span { display: block; width: 22px; height: 2px; background: var(--ink); margin: 5px 0; border-radius: 2px; transition: .2s; }

/* ============ Hero ============ */
.hero { position: relative; padding: 64px 0 40px; overflow: hidden; }
.hero__bg {
  position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(600px 400px at 85% 10%, rgba(229, 196, 107, .35), transparent 60%),
    radial-gradient(700px 500px at 0% 0%, rgba(184, 137, 43, .14), transparent 60%),
    linear-gradient(180deg, #F7F5EF 0%, #fff 100%);
}
.hero__grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }

.pill {
  display: inline-flex; align-items: center; gap: 10px; padding: 6px 14px 6px 6px;
  background: #fff; border: 1px solid var(--line); border-radius: 999px;
  font-size: 13px; font-weight: 600; color: var(--ink-2); box-shadow: var(--shadow-sm);
}
.pill__tag { background: var(--ink); color: var(--accent); font-size: 11px; font-weight: 800; padding: 3px 10px; border-radius: 999px; }

.hero__title {
  margin-top: 22px; font-size: clamp(38px, 5.6vw, 64px); line-height: 1.04;
  font-weight: 800; letter-spacing: -.045em;
}
.mark {
  display: inline; color: var(--ink);
  background: linear-gradient(transparent 58%, var(--accent) 58%, var(--accent) 92%, transparent 92%);
}
.hero__sub { margin-top: 20px; font-size: 18px; color: var(--ink-2); max-width: 560px; }
.hero__sub strong { color: var(--ink); }

.checks { margin-top: 24px; display: grid; gap: 10px; }
.checks li { display: flex; gap: 10px; align-items: flex-start; font-weight: 500; font-size: 15px; }
.checks .ico { width: 22px; height: 22px; padding: 4px; border-radius: 50%; background: var(--brand); color: #fff; margin-top: 1px; }

.hero__ctas { margin-top: 32px; display: flex; gap: 12px; flex-wrap: wrap; }
.hero__trust { margin-top: 28px; display: flex; align-items: center; gap: 14px; font-size: 14px; color: var(--muted); }
.hero__trust strong { color: var(--ink); }
.avatars { display: flex; }
.avatars span {
  width: 36px; height: 36px; border-radius: 50%; border: 3px solid #fff; margin-left: -10px;
  display: grid; place-items: center; color: #fff; font-size: 11px; font-weight: 700;
}
.avatars span:first-child { margin-left: 0; }

/* Mockup */
.hero__visual { position: relative; padding: 30px 10px; }
.dash {
  position: relative; background: #fff; border: 1px solid var(--line);
  border-radius: 28px; padding: 24px; box-shadow: var(--shadow-lg);
  max-width: 440px; margin-left: auto;
}
.dash__head { display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.dash__brand { display: flex; align-items: center; gap: 12px; }
.dash__brand small { display: block; font-size: 12px; color: var(--muted); }
.dash__brand strong { font-size: 15px; }
.dash__icon { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; background: var(--brand-50); color: var(--brand-600); }
.status { display: inline-flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 700; color: var(--brand-600); background: var(--brand-50); padding: 6px 12px; border-radius: 999px; }

.dash__balance { margin-top: 22px; padding: 20px; border-radius: 18px; background: var(--ink); color: #fff; }
.dash__balance small { font-size: 12px; color: #94A3B8; }
.dash__value { font-size: 32px; font-weight: 800; letter-spacing: -.03em; margin-top: 4px; }
.dash__value span { font-size: 20px; color: #94A3B8; }
.dash__delta { margin-top: 6px; font-size: 13px; font-weight: 600; color: var(--accent); }

.dash__banks { margin-top: 16px; display: grid; gap: 10px; }
.bank { display: flex; align-items: center; gap: 12px; padding: 12px; border: 1px solid var(--line); border-radius: 14px; }
.bank__logo { width: 36px; height: 36px; border-radius: 10px; display: grid; place-items: center; font-weight: 800; }
.bank__info { flex: 1; min-width: 0; }
.bank__info strong { display: block; font-size: 14px; }
.bank__info small { font-size: 12px; color: var(--muted); }
.dash__foot { margin-top: 16px; display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--muted); }
.dash__foot strong { color: var(--brand-600); }

.float {
  position: absolute; display: flex; align-items: center; gap: 10px;
  background: #fff; border: 1px solid var(--line); border-radius: 16px;
  padding: 10px 14px; box-shadow: var(--shadow); font-size: 13px;
  animation: floaty 5s ease-in-out infinite;
}
.float strong { display: block; font-size: 13px; }
.float small { color: var(--muted); font-size: 12px; }
.float--1 { left: -10px; top: 40%; }
.float--2 { right: -6px; bottom: 0; animation-delay: -2.5s; }
.float__icon { width: 32px; height: 32px; border-radius: 50%; display: grid; place-items: center; background: var(--brand); color: #fff; }
.float__icon--dark { background: var(--ink); color: var(--accent); }
.float__icon .ico { width: 16px; height: 16px; }
@keyframes floaty { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }

.stats {
  margin-top: 56px; display: grid; grid-template-columns: repeat(4, 1fr);
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow);
}
.stat { padding: 24px; text-align: center; border-right: 1px solid var(--line); }
.stat:last-child { border-right: 0; }
.stat strong { display: block; font-size: 30px; font-weight: 800; letter-spacing: -.03em; }
.stat span { font-size: 14px; color: var(--muted); }

/* ============ Segments ============ */
.segments { padding: 32px 0 8px; }
.segments__title { text-align: center; font-size: 13px; text-transform: uppercase; letter-spacing: .12em; color: var(--muted); font-weight: 600; }
.segments__row { margin-top: 16px; display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; }
.segments__row span { padding: 8px 18px; border: 1px solid var(--line); border-radius: 999px; font-size: 14px; font-weight: 600; color: var(--ink-2); background: #fff; }

/* ============ Sections ============ */
.section { padding: 96px 0; }
.section--tint { background: var(--bg-tint); }
.section--dark { background: var(--ink); color: #fff; }
.section__head { max-width: 720px; margin: 0 auto 48px; text-align: center; }
.section__head h2, .calc h2, .fit h2, .apply h2 {
  margin-top: 16px; font-size: clamp(30px, 4vw, 44px); line-height: 1.1; font-weight: 800; letter-spacing: -.035em;
}
.section__head p { margin-top: 16px; font-size: 17px; color: var(--muted); }
.section__head--light p { color: #94A3B8; }

/* Risks */
.cards-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.risk {
  padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff;
  transition: transform .2s, box-shadow .2s;
}
.risk:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.risk__icon { width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; background: var(--red-50); color: var(--red); }
.risk__icon .ico { width: 22px; height: 22px; }
.risk h3 { margin-top: 20px; font-size: 20px; font-weight: 700; letter-spacing: -.02em; line-height: 1.25; }
.risk p { margin-top: 10px; color: var(--muted); font-size: 15px; }
.risk__tag { display: inline-block; margin-top: 18px; font-size: 12px; font-weight: 700; color: var(--red); text-transform: uppercase; letter-spacing: .08em; }

/* Calculator */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.calc__text p { margin-top: 14px; color: var(--muted); font-size: 17px; }
.calc__label { display: block; margin-top: 32px; font-size: 14px; font-weight: 600; color: var(--ink-2); }
.calc__revenue { font-size: 40px; font-weight: 800; letter-spacing: -.03em; color: var(--brand-600); }
input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 8px; margin-top: 12px;
  border-radius: 999px; background: linear-gradient(to right, var(--brand) var(--p, 9%), var(--line) var(--p, 9%)); outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 28px; height: 28px; border-radius: 50%;
  background: #fff; border: 6px solid var(--brand); cursor: grab; box-shadow: var(--shadow);
}
input[type="range"]::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%; background: #fff; border: 6px solid var(--brand); cursor: grab;
}
.calc__scale { display: flex; justify-content: space-between; font-size: 13px; color: var(--muted); margin-top: 8px; }
.calc__result { display: grid; gap: 12px; background: #fff; padding: 24px; border-radius: 24px; box-shadow: var(--shadow-lg); }
.calc__box { padding: 18px 20px; border-radius: 16px; background: var(--bg-tint); }
.calc__box small { display: block; font-size: 14px; color: var(--muted); }
.calc__box strong { font-size: 28px; font-weight: 800; letter-spacing: -.03em; color: var(--red); }
.calc__box--dark { background: var(--ink); }
.calc__box--dark small { color: #94A3B8; }
.calc__box--dark strong { color: var(--accent); }
.calc__result .btn { margin-top: 6px; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; counter-reset: s; }
.step { position: relative; padding: 32px 28px; border-radius: var(--radius); background: var(--bg-tint); border: 1px solid transparent; transition: border-color .2s, background .2s; }
.step:hover { background: #fff; border-color: var(--line); box-shadow: var(--shadow); }
.step__n { display: inline-grid; place-items: center; width: 52px; height: 52px; border-radius: 16px; background: var(--ink); color: var(--accent); font-weight: 800; font-size: 14px; letter-spacing: -.04em; }
.step h3 { margin-top: 20px; font-size: 20px; font-weight: 700; letter-spacing: -.02em; }
.step p { margin-top: 10px; color: var(--muted); font-size: 15px; }
.step__time { display: inline-flex; align-items: center; gap: 6px; margin-top: 18px; font-size: 13px; font-weight: 700; color: var(--brand-600); }
.step__time .ico { width: 15px; height: 15px; }

/* Benefits */
.benefits { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.benefit { padding: 28px; border-radius: var(--radius); background: rgba(255, 255, 255, .04); border: 1px solid rgba(255, 255, 255, .08); transition: background .2s, border-color .2s; }
.benefit:hover { background: rgba(255, 255, 255, .07); border-color: rgba(229, 196, 107, .4); }
.benefit > .ico { width: 44px; height: 44px; padding: 11px; border-radius: 12px; background: var(--accent); color: var(--ink); }
.benefit h3 { margin-top: 18px; font-size: 18px; font-weight: 700; }
.benefit p { margin-top: 8px; color: #94A3B8; font-size: 15px; }

/* Fit */
.fit { display: grid; grid-template-columns: .8fr 1.2fr; gap: 56px; align-items: start; }
.fit__col { position: sticky; top: 110px; }
.fit__col .muted { margin-top: 14px; font-size: 17px; }
.criteria { margin-top: 24px; display: inline-flex; align-items: center; gap: 10px; padding: 12px 18px; border-radius: 999px; background: var(--brand-50); color: var(--brand-600); font-weight: 700; font-size: 14px; }
.fit__lists { display: grid; gap: 16px; }
.fit__box { padding: 28px; border-radius: var(--radius); border: 1px solid var(--line); }
.fit__box h3 { display: flex; align-items: center; gap: 10px; font-size: 18px; font-weight: 700; }
.fit__box h3 .ico { width: 28px; height: 28px; padding: 6px; border-radius: 50%; }
.fit__box--yes { background: #fff; box-shadow: var(--shadow); }
.fit__box--yes h3 .ico { background: var(--brand); color: #fff; }
.fit__box--no { background: var(--bg-tint); }
.fit__box--no h3 .ico { background: var(--red-50); color: var(--red); }
.fit__box ul { margin-top: 16px; display: grid; gap: 12px; }
.fit__box li { position: relative; padding-left: 22px; font-size: 15px; color: var(--ink-2); }
.fit__box li::before { content: ""; position: absolute; left: 0; top: 9px; width: 8px; height: 8px; border-radius: 50%; background: var(--brand); }
.fit__box--no li::before { background: var(--red); }

/* ============ Apply / Form ============ */
.apply { display: grid; grid-template-columns: .85fr 1.15fr; gap: 48px; align-items: start; }
.apply__side .muted { margin-top: 14px; font-size: 17px; }
.apply__items { margin-top: 32px; display: grid; gap: 18px; }
.apply__item { display: flex; gap: 14px; }
.apply__item > span { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; background: #fff; color: var(--brand-600); box-shadow: var(--shadow-sm); flex-shrink: 0; }
.apply__item strong { display: block; font-size: 15px; }
.apply__item small { color: var(--muted); font-size: 14px; }
.scarcity { margin-top: 32px; padding: 20px; border-radius: 16px; background: var(--ink); color: #fff; }
.scarcity__top { display: flex; justify-content: space-between; font-size: 14px; gap: 10px; }
.scarcity__top span { color: var(--accent); font-weight: 700; }
.scarcity__bar { margin-top: 12px; height: 8px; border-radius: 999px; background: rgba(255, 255, 255, .12); overflow: hidden; }
.scarcity__bar span { display: block; height: 100%; background: var(--accent); border-radius: 999px; }

.apply__card {
  background: #fff; border-radius: 28px; padding: 36px; box-shadow: var(--shadow-lg);
  border: 2px solid transparent; transition: border-color .4s, box-shadow .4s;
}
.apply__card.is-highlight { border-color: var(--brand); box-shadow: 0 0 0 8px rgba(184, 137, 43, .15), var(--shadow-lg); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: flex; flex-direction: column; }
.field--full { grid-column: 1 / -1; }
.field label { font-size: 13px; font-weight: 700; color: var(--ink-2); margin-bottom: 6px; }
.field label em { font-weight: 500; color: var(--muted); }
.field input:not([type="checkbox"]), .field select, .field textarea {
  width: 100%; font: inherit; font-size: 15px; color: var(--ink);
  border: 1.5px solid var(--line); border-radius: 12px; background: #FBFCFD;
  padding: 0 14px; height: 50px; outline: none; transition: border-color .15s, box-shadow .15s, background .15s;
}
.field textarea { height: auto; padding: 12px 14px; resize: vertical; }
.field select {
  appearance: none; -webkit-appearance: none; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1.5 6 6.5l5-5' stroke='%2364748B' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px;
}
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--brand); background: #fff; box-shadow: 0 0 0 4px rgba(184, 137, 43, .12); }
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: var(--red); background: var(--red-50); }
.field__error { font-size: 12px; color: var(--red); font-weight: 600; margin-top: 4px; min-height: 0; }
.field__error:empty { display: none; }
.check { display: flex; gap: 12px; align-items: flex-start; cursor: pointer; font-weight: 500 !important; color: var(--muted) !important; font-size: 13px !important; line-height: 1.5; }
.check input { width: 20px; height: 20px; margin-top: 1px; accent-color: var(--brand); flex-shrink: 0; cursor: pointer; }
#leadForm .btn { margin-top: 22px; }
.form-note { margin-top: 12px; display: flex; align-items: center; justify-content: center; gap: 6px; font-size: 13px; color: var(--muted); }
.form-note .ico { width: 14px; height: 14px; }

.success { text-align: center; padding: 12px 0; }
.success__icon { width: 72px; height: 72px; margin: 0 auto; border-radius: 50%; display: grid; place-items: center; background: var(--brand); color: #fff; box-shadow: 0 0 0 10px var(--brand-50); }
.success__icon .ico { width: 34px; height: 34px; }
.success h3 { margin-top: 24px; font-size: 28px; font-weight: 800; letter-spacing: -.03em; }
.success p { margin: 10px auto 22px; max-width: 380px; color: var(--muted); }
.next { margin-top: 22px; text-align: left; padding: 18px 20px; border-radius: 16px; background: var(--bg-tint); }
.next small { font-size: 12px; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); font-weight: 700; }
.next ol { margin-top: 10px; display: grid; gap: 8px; counter-reset: n; }
.next li { counter-increment: n; display: flex; gap: 10px; font-size: 14px; font-weight: 600; }
.next li::before { content: "0" counter(n); color: var(--brand-600); font-weight: 800; }
.link-btn { margin-top: 18px; background: none; border: 0; font: inherit; font-size: 14px; color: var(--muted); text-decoration: underline; cursor: pointer; }

/* ============ FAQ ============ */
.faq { max-width: 820px; }
.faq__list { display: grid; gap: 12px; }
.faq details { border: 1px solid var(--line); border-radius: 16px; background: #fff; transition: box-shadow .2s; }
.faq details[open] { box-shadow: var(--shadow); }
.faq summary {
  list-style: none; cursor: pointer; padding: 20px 56px 20px 24px; position: relative;
  font-weight: 700; font-size: 17px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%);
  width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center;
  background: var(--brand-50); color: var(--brand-600); font-size: 20px; font-weight: 600; transition: transform .2s;
}
.faq details[open] summary::after { content: "\2212"; }
.faq details p { padding: 0 24px 22px; color: var(--muted); }

/* ============ Final CTA ============ */
.final { padding: 0 0 96px; }
.final__box {
  text-align: center; padding: 72px 32px; border-radius: 32px; color: #fff;
  background:
    radial-gradient(500px 300px at 80% 0%, rgba(229, 196, 107, .25), transparent 60%),
    radial-gradient(500px 300px at 10% 100%, rgba(184, 137, 43, .45), transparent 60%),
    var(--ink);
}
.final__box h2 { font-size: clamp(30px, 4.4vw, 48px); font-weight: 800; letter-spacing: -.04em; line-height: 1.1; max-width: 720px; margin: 0 auto; }
.final__box p { margin: 16px auto 32px; color: #CBD5E1; font-size: 18px; max-width: 520px; }

/* ============ Footer ============ */
.footer { border-top: 1px solid var(--line); padding: 40px 0; }
.footer__inner { display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.footer p { margin-top: 14px; max-width: 520px; font-size: 13px; color: var(--muted); }
.footer__meta { display: flex; flex-direction: column; gap: 8px; font-size: 13px; color: var(--muted); align-items: flex-end; }
.footer__meta span { display: inline-flex; align-items: center; gap: 6px; }
.footer__meta .ico { width: 14px; height: 14px; }

/* ============ Floating ============ */
.whats-float {
  position: fixed; right: 20px; bottom: 20px; z-index: 60;
  width: 60px; height: 60px; border-radius: 50%; display: grid; place-items: center;
  background: var(--whats); color: #fff; box-shadow: 0 10px 30px rgba(37, 211, 102, .45);
  transition: transform .2s;
}
.whats-float:hover { transform: scale(1.08); }
.whats-float .ico { width: 30px; height: 30px; }
.mobile-cta { display: none; }

/* ============ Reveal ============ */
.js .reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .js .reveal { opacity: 1; transform: none; transition: none; }
  .float, .dot--pulse { animation: none; }
  html { scroll-behavior: auto; }
}

/* ============ Responsive ============ */
@media (max-width: 1024px) {
  .hero__grid, .calc, .fit, .apply { grid-template-columns: 1fr; gap: 40px; }
  .dash { margin: 0 auto; }
  .fit__col { position: static; }
  .benefits { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 860px) {
  .nav {
    position: absolute; top: 72px; left: 0; right: 0; flex-direction: column; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow);
    max-height: 0; overflow: hidden; transition: max-height .3s;
  }
  .nav a { padding: 16px 20px; border-top: 1px solid var(--line); }
  .nav.is-open { max-height: 320px; }
  .menu-toggle { display: block; }
  .header__cta { display: none; }
  .cards-3, .steps { grid-template-columns: 1fr; }
  .stats { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(2) { border-right: 0; }
  .stat:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
}

@media (max-width: 600px) {
  .section { padding: 72px 0; }
  .hero { padding-top: 40px; }
  .hero__sub { font-size: 16px; }
  .hero__ctas .btn { width: 100%; }
  .float--1 { left: 0; top: auto; bottom: -6px; }
  .float--2 { display: none; }
  .dash { padding: 18px; }
  .dash__value { font-size: 26px; }
  .benefits, .form-grid { grid-template-columns: 1fr; }
  .stat { padding: 18px 10px; }
  .stat strong { font-size: 24px; }
  .apply__card { padding: 24px 18px; border-radius: 22px; }
  .final__box { padding: 56px 20px; border-radius: 24px; }
  .footer__meta { align-items: flex-start; }
  .topbar__link { display: none; }
  .logo__name { font-size: 18px; }
  .logo__mark { width: 36px; height: 36px; }

  .mobile-cta {
    display: block; position: fixed; left: 0; right: 0; bottom: 0; z-index: 55;
    padding: 12px 16px calc(12px + env(safe-area-inset-bottom));
    background: rgba(255, 255, 255, .95); backdrop-filter: blur(10px);
    border-top: 1px solid var(--line); transform: translateY(110%); transition: transform .3s;
  }
  .mobile-cta.is-visible { transform: none; }
  .whats-float { bottom: 88px; width: 54px; height: 54px; }
  body { padding-bottom: 76px; }
}