/* =========================================================================
   CREDARIA – Design-System
   Farbwelt: Navy (Vertrauen) + CREDARIA-Rot (Akzent) + viel Weißraum
   ========================================================================= */

:root {
  --navy-900: #12332c;
  --navy-800: #1c4b42;
  --navy-700: #245a4f;
  --navy-600: #2f6d60;
  --accent:   #d8352f;
  --accent-dark: #b3241f;
  --accent-soft: #fbe9e7;
  --ink:      #182420;
  --muted:    #566962;
  --line:     #e2eae7;
  --bg:       #ffffff;
  --bg-soft:  #f3f7f5;
  --bg-navy-soft: #e6f0ec;
  --green:    #12996b;
  --green-soft: #e6f5ef;
  --amber-soft: #fff4e0;
  --amber-line: #f0c674;

  --maxw: 1160px;
  --radius: 14px;
  --radius-sm: 9px;
  --shadow-sm: 0 1px 3px rgba(15,30,61,.06), 0 1px 2px rgba(15,30,61,.04);
  --shadow-md: 0 10px 30px rgba(15,30,61,.10);
  --shadow-lg: 0 24px 60px rgba(15,30,61,.16);
  --font: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --transition: .2s ease;
}

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

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 { line-height: 1.2; color: var(--navy-800); font-weight: 800; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.2vw, 3.15rem); margin: 0 0 .5em; }
h2 { font-size: clamp(1.55rem, 3vw, 2.25rem); margin: 0 0 .6em; }
h3 { font-size: 1.3rem; margin: 0 0 .5em; }
p  { margin: 0 0 1.1em; }
a  { color: var(--accent-dark); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; height: auto; display: block; }
ul, ol { margin: 0 0 1.1em; padding-left: 1.3em; }
li { margin: .35em 0; }
strong { color: var(--navy-800); }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 22px; }

.skip-link {
  position: absolute; left: -9999px; top: 0; background: var(--navy-800); color: #fff;
  padding: 10px 16px; z-index: 200; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

/* ---- Buttons ---------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; gap: .5em;
  padding: 14px 26px; border-radius: 999px; font-weight: 700; font-size: 1rem;
  cursor: pointer; border: 2px solid transparent; transition: var(--transition);
  text-decoration: none; line-height: 1;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-sm { padding: 10px 18px; font-size: .93rem; }
.btn-lg { padding: 17px 34px; font-size: 1.08rem; }
.btn-accent { background: var(--accent); color: #fff; box-shadow: 0 6px 18px rgba(225,29,60,.28); }
.btn-accent:hover { background: var(--accent-dark); color: #fff; }
.btn-navy { background: var(--navy-800); color: #fff; }
.btn-navy:hover { background: var(--navy-700); color: #fff; }
.btn-outline { background: transparent; color: var(--navy-800); border-color: var(--line); }
.btn-outline:hover { border-color: var(--navy-600); color: var(--navy-800); }
.btn-ghost-light { background: rgba(255,255,255,.12); color: #fff; border-color: rgba(255,255,255,.35); }
.btn-ghost-light:hover { background: rgba(255,255,255,.2); color: #fff; }
.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.4); }
.btn-outline-light:hover { background: rgba(255,255,255,.12); color: #fff; }

/* ---- Header ----------------------------------------------------------- */
.topbar { background: var(--navy-900); color: #cdd6ea; font-size: .82rem; }
.topbar-inner { display: flex; align-items: center; gap: 18px; min-height: 38px; flex-wrap: wrap; }
.topbar-spacer { flex: 1; }
.topbar-item { color: #cdd6ea; }
.topbar-item:hover { color: #fff; text-decoration: none; }

.site-header { position: sticky; top: 0; z-index: 100; background: #fff; box-shadow: var(--shadow-sm); }
.header-inner { display: flex; align-items: center; gap: 24px; min-height: 74px; }

.logo { display: inline-flex; align-items: center; gap: 11px; font-weight: 800; font-size: 1.4rem; color: var(--navy-800); letter-spacing: .04em; }
.logo:hover { text-decoration: none; }
.logo img { height: 30px; width: auto; display: block; }
.logo--light img { filter: brightness(0) invert(1); }
.logo-mark {
  width: 38px; height: 38px; border-radius: 9px; display: grid; place-items: center;
  background: var(--accent); color: #fff; font-weight: 800; font-size: 1.25rem;
  box-shadow: 0 4px 12px rgba(225,29,60,.3);
}
.logo--light { color: #fff; }
.logo--light .logo-text { color: #fff; }

.primary-nav { margin-left: auto; }
.primary-nav > ul { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.primary-nav a { color: var(--navy-800); font-weight: 600; padding: 10px 14px; border-radius: 8px; display: inline-flex; align-items: center; gap: 4px; font-size: .98rem; }
.primary-nav a:hover { background: var(--bg-soft); text-decoration: none; }
.primary-nav li.is-active > a { color: var(--accent-dark); }
.caret { font-size: .7em; }

.has-children { position: relative; }
.submenu {
  position: absolute; top: 100%; left: 0; min-width: 260px; background: #fff;
  box-shadow: var(--shadow-md); border-radius: 12px; padding: 8px; list-style: none; margin: 6px 0 0;
  opacity: 0; visibility: hidden; transform: translateY(6px); transition: var(--transition); border: 1px solid var(--line);
}
.has-children:hover .submenu, .has-children:focus-within .submenu { opacity: 1; visibility: visible; transform: translateY(0); }
.submenu a { display: block; padding: 10px 14px; border-radius: 8px; }

.header-cta { margin-left: 8px; }
.nav-cta-mobile { display: none; }

.nav-toggle { display: none; margin-left: auto; background: none; border: 0; cursor: pointer; padding: 8px; flex-direction: column; gap: 5px; }
.nav-toggle span { width: 26px; height: 3px; background: var(--navy-800); border-radius: 3px; transition: var(--transition); }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

/* ---- Schuldner-Banner ------------------------------------------------- */
.debtor-banner { background: var(--bg-navy-soft); border-bottom: 1px solid var(--line); }
.debtor-banner-inner { display: flex; align-items: center; justify-content: center; gap: 14px 22px; padding: 12px 0; flex-wrap: wrap; text-align: center; }
.debtor-banner-text { font-weight: 600; color: var(--navy-800); }
.debtor-banner .btn { flex: none; }

/* ---- Sections & helpers ---------------------------------------------- */
.section { padding: 78px 0; }
.section-sm { padding: 52px 0; }
.section-soft { background: var(--bg-soft); }
.section-navy { background: var(--navy-800); color: #e7ecf7; }
.section-navy h1, .section-navy h2, .section-navy h3 { color: #fff; }
.narrow { max-width: 760px; margin-left: auto; margin-right: auto; }
.text-center { text-align: center; }
.eyebrow { display: inline-block; text-transform: uppercase; letter-spacing: .12em; font-size: .78rem; font-weight: 800; color: var(--accent-dark); margin-bottom: 12px; }
.section-navy .eyebrow, .hero .eyebrow, .page-hero .eyebrow { color: #8bd3c1; }
.lead { font-size: 1.18rem; color: var(--muted); }
.section-navy .lead { color: #c3cee4; }

/* ---- Hero ------------------------------------------------------------- */
.hero {
  background:
    radial-gradient(900px 480px at 85% -10%, rgba(63,140,124,.55), transparent 60%),
    radial-gradient(700px 500px at 5% 110%, rgba(14,40,34,.6), transparent 55%),
    linear-gradient(135deg, #12332c, #1f5348);
  color: #fff; padding: 82px 0 92px; position: relative; overflow: hidden;
}
.hero h1 { color: #fff; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 54px; align-items: center; }
.hero-lead { font-size: 1.24rem; color: #d4ddf0; margin-bottom: 30px; max-width: 42ch; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 26px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 10px 22px; font-size: .93rem; color: #c9d4ec; }
.hero-trust span { display: inline-flex; align-items: center; gap: 8px; }
.hero-trust .tick { color: #58e0a6; font-weight: 800; }

.hero-card {
  background: rgba(255,255,255,.97); color: var(--ink); border-radius: 18px;
  box-shadow: var(--shadow-lg); padding: 28px; border: 1px solid rgba(255,255,255,.5);
}
.hero-card h3 { color: var(--navy-800); margin-bottom: 6px; }
.hero-card .card-sub { color: var(--muted); font-size: .95rem; margin-bottom: 18px; }
.hero-card ol { counter-reset: step; list-style: none; padding: 0; margin: 0 0 20px; }
.hero-card ol li { display: flex; gap: 13px; align-items: flex-start; margin: 0 0 14px; }
.hero-card ol li::before {
  counter-increment: step; content: counter(step);
  flex: none; width: 28px; height: 28px; border-radius: 50%; background: var(--accent-soft);
  color: var(--accent-dark); font-weight: 800; display: grid; place-items: center; font-size: .9rem;
}
.hero-card .card-foot { font-size: .85rem; color: var(--muted); text-align: center; margin: 4px 0 0; }

/* ---- Trust bar -------------------------------------------------------- */
.trustbar { border-bottom: 1px solid var(--line); background: #fff; }
.trustbar-inner { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px 40px; padding: 22px 0; }
.trustbar-item { display: inline-flex; align-items: center; gap: 10px; color: var(--muted); font-weight: 600; font-size: .95rem; }
.trustbar-item .ic { color: var(--green); font-size: 1.2rem; }

/* ---- Cards / grids ---------------------------------------------------- */
.grid { display: grid; gap: 26px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px; box-shadow: var(--shadow-sm); transition: var(--transition); height: 100%;
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); border-color: #d5deee; }
.card .card-icon {
  width: 50px; height: 50px; border-radius: 12px; background: var(--bg-navy-soft); color: var(--navy-600);
  display: grid; place-items: center; font-size: 1.5rem; margin-bottom: 16px;
}
.card h3 { margin-bottom: .35em; }
.card p { color: var(--muted); margin-bottom: .8em; }
.card .card-link { font-weight: 700; color: var(--accent-dark); }
.card-link::after { content: " →"; }

a.card { text-decoration: none; color: inherit; display: block; }
a.card:hover { text-decoration: none; }

/* Feature list with ticks */
.checklist { list-style: none; padding: 0; }
.checklist li { position: relative; padding-left: 32px; margin: .6em 0; }
.checklist li::before {
  content: "✓"; position: absolute; left: 0; top: 1px; width: 22px; height: 22px; border-radius: 50%;
  background: var(--green-soft); color: var(--green); font-weight: 800; font-size: .8rem; display: grid; place-items: center;
}

/* Steps */
.steps { counter-reset: st; display: grid; gap: 22px; }
.steps.grid-4 { grid-template-columns: repeat(4,1fr); }
.step { position: relative; padding-top: 8px; }
.step .step-num {
  width: 42px; height: 42px; border-radius: 12px; background: var(--navy-800); color: #fff;
  display: grid; place-items: center; font-weight: 800; margin-bottom: 14px; font-size: 1.1rem;
}
.step h3 { font-size: 1.12rem; }
.step p { color: var(--muted); font-size: .97rem; }

/* Stats */
.stats { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.stat { text-align: center; }
.stat .num { font-size: clamp(1.9rem, 3.4vw, 2.7rem); font-weight: 800; color: #fff; line-height: 1; }
.stat .lbl { color: #c3cee4; font-size: .95rem; margin-top: 8px; }

/* ---- CTA box (inline, e.g. in articles) ------------------------------ */
.cta-box {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
  color: #fff; border-radius: var(--radius); padding: 30px 32px; margin: 32px 0;
  box-shadow: var(--shadow-md);
}
.cta-box h3 { color: #fff; margin-bottom: .3em; }
.cta-box p { color: #d4ddf0; margin-bottom: 18px; }

/* Info / note boxes (articles) */
.info-box, .note-box, .warn-box {
  border-radius: var(--radius-sm); padding: 20px 22px; margin: 26px 0; border: 1px solid var(--line);
  background: var(--bg-soft);
}
.info-box { border-left: 4px solid var(--navy-600); }
.note-box { border-left: 4px solid var(--green); background: var(--green-soft); }
.warn-box { border-left: 4px solid var(--amber-line); background: var(--amber-soft); }
.info-box > :last-child, .note-box > :last-child, .warn-box > :last-child { margin-bottom: 0; }
.box-title { font-weight: 800; color: var(--navy-800); display: block; margin-bottom: 6px; }

/* Testimonials */
.quote-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow-sm); }
.quote-card p { font-size: 1.05rem; color: var(--ink); font-style: italic; }
.quote-card .stars { color: #f5a623; margin-bottom: 10px; letter-spacing: 2px; }
.quote-author { display: flex; align-items: center; gap: 12px; margin-top: 14px; }
.quote-avatar { width: 42px; height: 42px; border-radius: 50%; background: var(--navy-600); color: #fff; display: grid; place-items: center; font-weight: 800; }
.quote-author .name { font-weight: 700; color: var(--navy-800); font-style: normal; }
.quote-author .role { color: var(--muted); font-size: .88rem; }

/* ---- Page header ------------------------------------------------------ */
.page-hero { background: linear-gradient(135deg, var(--navy-900), var(--navy-700)); color: #fff; padding: 62px 0 66px; }
.page-hero h1 { color: #fff; max-width: 20ch; }
.page-hero p { color: #cdd8ee; font-size: 1.15rem; max-width: 60ch; margin-bottom: 0; }
.breadcrumbs { font-size: .86rem; margin-bottom: 16px; color: #9fb0d2; }
.breadcrumbs a { color: #cdd8ee; }
.breadcrumbs span { margin: 0 6px; opacity: .6; }

/* ---- Article ---------------------------------------------------------- */
.article-wrap { display: grid; grid-template-columns: minmax(0,1fr) 300px; gap: 54px; padding: 56px 0; }
.article-body { max-width: 760px; }
.article-meta { display: flex; flex-wrap: wrap; gap: 8px 18px; color: var(--muted); font-size: .9rem; margin-bottom: 8px; }
.article-cat { display: inline-block; background: var(--accent-soft); color: var(--accent-dark); font-weight: 700; font-size: .78rem; padding: 4px 12px; border-radius: 999px; text-transform: uppercase; letter-spacing: .05em; }
.article-body h2 { margin-top: 1.6em; }
.article-body h3 { margin-top: 1.4em; }
.article-body table { width: 100%; border-collapse: collapse; margin: 22px 0; font-size: .96rem; }
.article-body th, .article-body td { border: 1px solid var(--line); padding: 11px 14px; text-align: left; }
.article-body th { background: var(--bg-soft); font-weight: 700; color: var(--navy-800); }
.article-body blockquote { margin: 24px 0; padding: 6px 22px; border-left: 4px solid var(--accent); color: var(--muted); font-style: italic; }
.article-lead { font-size: 1.2rem; color: var(--muted); margin-bottom: 1.4em; }
.table-scroll { overflow-x: auto; }

.sidebar { position: sticky; top: 100px; align-self: start; }
.toc { background: var(--bg-soft); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px; margin-bottom: 22px; }
.toc h4 { text-transform: uppercase; letter-spacing: .08em; font-size: .78rem; color: var(--muted); margin-bottom: 12px; }
.toc ul { list-style: none; padding: 0; margin: 0; }
.toc li { margin: 0; }
.toc a { display: block; padding: 6px 0; color: var(--navy-700); font-size: .93rem; border-bottom: 1px solid var(--line); }
.toc a:hover { color: var(--accent-dark); }

.author-box { display: flex; gap: 14px; align-items: center; background: var(--bg-soft); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; margin: 34px 0; }
.author-box .avatar { width: 54px; height: 54px; border-radius: 50%; background: var(--navy-700); color: #fff; display: grid; place-items: center; font-weight: 800; font-size: 1.2rem; flex: none; }
.author-box .name { font-weight: 800; color: var(--navy-800); }
.author-box .desc { color: var(--muted); font-size: .9rem; margin: 0; }

.sources { font-size: .88rem; color: var(--muted); border-top: 1px solid var(--line); margin-top: 34px; padding-top: 18px; }
.sources h4 { color: var(--navy-800); font-size: .95rem; }
.updated-note { font-size: .85rem; color: var(--muted); margin-top: 10px; }

/* ---- Blog listing ----------------------------------------------------- */
.post-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); transition: var(--transition); height: 100%; }
.post-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); text-decoration: none; }
.post-thumb { aspect-ratio: 16/9; background: linear-gradient(135deg, var(--navy-700), var(--navy-600)); display: grid; place-items: center; color: #fff; position: relative; }
.post-thumb .cat-badge { position: absolute; top: 12px; left: 12px; background: rgba(255,255,255,.16); backdrop-filter: blur(4px); color:#fff; font-size:.72rem; font-weight:700; padding:4px 10px; border-radius:999px; text-transform: uppercase; letter-spacing:.05em; }
.post-thumb .thumb-ic { font-size: 2.6rem; opacity: .9; }
.post-body { padding: 22px 22px 24px; display: flex; flex-direction: column; flex: 1; }
.post-body h3 { font-size: 1.15rem; color: var(--navy-800); }
.post-body .excerpt { color: var(--muted); font-size: .95rem; flex: 1; }
.post-meta { font-size: .82rem; color: var(--muted); margin-top: 14px; display: flex; gap: 14px; }
.post-card .post-body h3 a { color: var(--navy-800); }

.category-pills { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 12px; }
.category-pills a { padding: 8px 16px; border-radius: 999px; border: 1px solid var(--line); font-weight: 600; font-size: .92rem; color: var(--navy-700); background: #fff; }
.category-pills a:hover, .category-pills a.active { background: var(--navy-800); color: #fff; border-color: var(--navy-800); text-decoration: none; }

/* ---- Forms ------------------------------------------------------------ */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-md); padding: 32px; }
.form-row { margin-bottom: 18px; }
.form-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
label { display: block; font-weight: 600; color: var(--navy-800); margin-bottom: 6px; font-size: .95rem; }
label .req { color: var(--accent); }
input[type=text], input[type=email], input[type=tel], input[type=number], input[type=file], select, textarea {
  width: 100%; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  font: inherit; color: var(--ink); background: #fff; transition: var(--transition);
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--navy-600); box-shadow: 0 0 0 3px rgba(33,56,106,.12); }
textarea { min-height: 130px; resize: vertical; }
.form-hint { font-size: .84rem; color: var(--muted); margin-top: 5px; }
.checkbox-row { display: flex; gap: 10px; align-items: flex-start; font-size: .92rem; color: var(--muted); }
.checkbox-row input { width: auto; margin-top: 4px; }
fieldset { border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 18px 20px; margin: 0 0 18px; }
legend { font-weight: 700; color: var(--navy-800); padding: 0 8px; }

/* Calculator */
.calc { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-md); padding: 30px; }
.calc-result { background: var(--bg-navy-soft); border-radius: var(--radius-sm); padding: 22px 24px; margin-top: 22px; }
.calc-result .big { font-size: 2rem; font-weight: 800; color: var(--navy-800); }
.calc-result .row { display: flex; justify-content: space-between; padding: 7px 0; border-bottom: 1px dashed var(--line); }
.calc-result .row:last-child { border-bottom: 0; }

/* FAQ */
.faq-item { border: 1px solid var(--line); border-radius: var(--radius-sm); margin-bottom: 12px; background: #fff; overflow: hidden; }
.faq-item summary { padding: 18px 22px; font-weight: 700; color: var(--navy-800); cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 16px; align-items: center; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; font-size: 1.4rem; color: var(--accent); font-weight: 400; flex: none; }
.faq-item[open] summary::after { content: "–"; }
.faq-item .faq-answer { padding: 0 22px 20px; color: var(--muted); }

/* Glossary */
.glossary-nav { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 24px; }
.glossary-nav a { width: 34px; height: 34px; display: grid; place-items: center; border: 1px solid var(--line); border-radius: 8px; font-weight: 700; color: var(--navy-700); }
.glossary-nav a:hover { background: var(--navy-800); color: #fff; text-decoration: none; }
.glossary-term { border-bottom: 1px solid var(--line); padding: 18px 0; }
.glossary-term h3 { margin-bottom: .3em; }
.glossary-term p { color: var(--muted); margin: 0; }

/* Prefooter */
.prefooter { background: linear-gradient(135deg, #1f5348, #12332c); color: #fff; }
.prefooter-inner { display: flex; align-items: center; justify-content: space-between; gap: 30px; padding: 46px 0; flex-wrap: wrap; }
.prefooter h2 { color: #fff; margin-bottom: .2em; }
.prefooter p { color: #cfe6df; margin: 0; max-width: 52ch; }
.prefooter-actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* Footer */
.site-footer { background: var(--navy-900); color: #aab6d0; font-size: .95rem; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 40px; padding: 60px 0 44px; }
.footer-col h3 { color: #fff; font-size: 1rem; margin-bottom: 16px; }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin: .5em 0; }
.footer-col a { color: #aab6d0; }
.footer-col a:hover { color: #fff; }
.footer-brand p { color: #8a99ba; }
.footer-trust { font-size: .85rem; color: #6ee0a8 !important; }
.footer-brand .logo { margin-bottom: 14px; }
address { font-style: normal; color: #aab6d0; }
address a { color: #cdd8ee; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.09); }
.footer-bottom-inner { display: flex; justify-content: space-between; align-items: center; padding: 20px 0; flex-wrap: wrap; gap: 12px; font-size: .88rem; }
.footer-bottom nav a { color: #aab6d0; margin-left: 18px; }
.footer-bottom nav a:first-child { margin-left: 0; }

/* Misc */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 50px; align-items: center; }
.pill-list { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: 10px; }
.pill-list li { background: var(--bg-soft); border: 1px solid var(--line); border-radius: 999px; padding: 7px 16px; margin: 0; font-weight: 600; font-size: .92rem; color: var(--navy-700); }
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; }
.tag-live { display:inline-block; background: var(--green-soft); color: var(--green); font-weight:700; font-size:.8rem; padding:3px 10px; border-radius:999px; }

/* ---- Responsive ------------------------------------------------------- */
@media (max-width: 940px) {
  .hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .article-wrap { grid-template-columns: 1fr; }
  .sidebar { position: static; }
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .stats { grid-template-columns: repeat(2,1fr); }
  .steps.grid-4 { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px; }
  .split { grid-template-columns: 1fr; gap: 30px; }
}

@media (max-width: 780px) {
  body { font-size: 16px; }
  .section { padding: 54px 0; }
  .header-cta { display: none; }
  .nav-toggle { display: flex; }
  .primary-nav {
    position: fixed; inset: 112px 0 0 0; background: #fff; margin: 0; padding: 16px 22px 40px;
    transform: translateX(100%); transition: transform .25s ease; overflow-y: auto; box-shadow: var(--shadow-lg);
  }
  .primary-nav.open { transform: translateX(0); }
  .primary-nav > ul { flex-direction: column; align-items: stretch; gap: 2px; }
  .primary-nav a { padding: 14px 12px; font-size: 1.05rem; border-bottom: 1px solid var(--line); border-radius: 0; }
  .submenu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 0 0 8px 14px; margin: 0; }
  .submenu a { font-size: .98rem; color: var(--muted); }
  .nav-cta-mobile { display: block; margin-top: 16px; }
  .nav-cta-mobile .btn { width: 100%; justify-content: center; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .form-grid-2 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .prefooter-inner { flex-direction: column; align-items: flex-start; }
}

@media (max-width: 480px) {
  .grid-4 { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr 1fr; }
  .topbar-item:first-child { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; scroll-behavior: auto !important; }
}