/* ═══════════════════════════════════════════════════════════════
   Fast-Finanz — Style principal
   Palette : Primary #1B3A6B (navy) | Secondary #E87D0D (orange)
   ═══════════════════════════════════════════════════════════════ */

/* ── Variables ─────────────────────────────────────────────── */
:root {
  --primary:    #1B3A6B;
  --primary-d:  #142d54;
  --secondary:  #E87D0D;
  --secondary-d:#c96a0a;
  --light:      #F4F7FB;
  --dark:       #0d1a2e;
  --muted:      #6b7280;
  --border:     #e2e8f0;
  --success:    #22c55e;
  --danger:     #ef4444;
  --warning:    #f59e0b;
  --info:       #3b82f6;
  --radius:     12px;
  --radius-lg:  20px;
  --shadow:     0 4px 20px rgba(27,58,107,.12);
  --shadow-lg:  0 12px 40px rgba(27,58,107,.18);
  --transition: .25s ease;
  --font:       'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
}

/* ── Reset & Base ───────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  font-size: 1rem;
  color: #1e293b;
  background: #fff;
  line-height: 1.65;
}
a { color: var(--primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--secondary); }
img { max-width: 100%; height: auto; }

/* ── Utilities ──────────────────────────────────────────────── */
.section-pad       { padding: 5rem 0; }
.section-pad.pb-0  { padding-bottom: 0; }
.text-primary-custom { color: var(--primary) !important; }
.text-secondary-custom { color: var(--secondary) !important; }
.bg-light-custom   { background: var(--light) !important; }

.section-label {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--secondary);
  background: rgba(232,125,13,.1);
  padding: .35rem .9rem;
  border-radius: 50px;
  margin-bottom: .75rem;
}

.section-title {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--primary);
  line-height: 1.25;
  margin-bottom: 1rem;
}
.section-title span { color: var(--secondary); }

/* ── Buttons ────────────────────────────────────────────────── */
.btn-primary-custom {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  background: var(--secondary);
  color: #fff;
  border: none;
  padding: .75rem 1.75rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: .95rem;
  transition: background var(--transition), transform var(--transition), box-shadow var(--transition);
  cursor: pointer;
}
.btn-primary-custom:hover {
  background: var(--secondary-d);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(232,125,13,.35);
}
.btn-outline-custom {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
  padding: .7rem 1.6rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: .95rem;
  transition: all var(--transition);
  cursor: pointer;
}
.btn-outline-custom:hover {
  background: var(--primary);
  color: #fff;
}

/* ── Topbar ─────────────────────────────────────────────────── */
.topbar {
  background: var(--dark);
  color: rgba(255,255,255,.7);
  font-size: .82rem;
  padding: .5rem 0;
}
.topbar-link {
  color: rgba(255,255,255,.75);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: .3rem;
  transition: color var(--transition);
}
.topbar-link:hover { color: var(--secondary); }
.topbar-sep { color: rgba(255,255,255,.25); }
.ms-flag   { font-size: .9rem; }
.ms-sep    { color: rgba(255,255,255,.3); margin: 0 .2rem; }
.market-switcher {
  display: flex;
  align-items: center;
  gap: .3rem;
  background: rgba(255,255,255,.08);
  border-radius: 50px;
  padding: .2rem .6rem;
}
.market-switcher a {
  color: rgba(255,255,255,.6);
  font-size: .78rem;
  font-weight: 600;
  padding: .1rem .3rem;
  border-radius: 3px;
  transition: all var(--transition);
}
.market-switcher a:hover,
.market-switcher a.ms-active {
  color: #fff;
  background: rgba(255,255,255,.15);
}

/* ── Navbar ─────────────────────────────────────────────────── */
#mainNav {
  background: var(--primary);
  padding: .85rem 0;
  box-shadow: 0 2px 12px rgba(0,0,0,.18);
  transition: padding var(--transition), box-shadow var(--transition);
}
#mainNav.scrolled {
  padding: .5rem 0;
  box-shadow: 0 4px 20px rgba(0,0,0,.25);
}
.brand-fast   { color: #fff; font-size: 1.5rem; font-weight: 900; letter-spacing: -.5px; }
.brand-finanz { color: var(--secondary); font-size: 1.5rem; font-weight: 900; letter-spacing: -.5px; }

#mainNav .nav-link {
  color: rgba(255,255,255,.85) !important;
  font-weight: 500;
  font-size: .9rem;
  padding: .5rem .75rem !important;
  border-radius: 6px;
  transition: all var(--transition);
}
#mainNav .nav-link:hover,
#mainNav .nav-link.active { color: #fff !important; background: rgba(255,255,255,.1); }
#mainNav .dropdown-menu {
  border: 0;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: .5rem;
}
#mainNav .dropdown-item {
  border-radius: 6px;
  font-size: .88rem;
  padding: .55rem .9rem;
}
#mainNav .dropdown-item:hover { background: var(--light); }

.btn-nav-cta {
  background: var(--secondary);
  color: #fff !important;
  border-radius: 50px;
  padding: .55rem 1.4rem !important;
  font-weight: 700 !important;
  font-size: .88rem !important;
  transition: all var(--transition) !important;
}
.btn-nav-cta:hover {
  background: var(--secondary-d) !important;
  transform: translateY(-1px);
  box-shadow: 0 4px 15px rgba(232,125,13,.4);
}

/* ── Hero ───────────────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--primary) 0%, #2a4d8f 50%, #1a3660 100%);
  color: #fff;
  padding: 5rem 0 3rem;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(232,125,13,.15) 0%, transparent 70%);
  pointer-events: none;
}
.hero-label {
  display: inline-block;
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--secondary);
  background: rgba(232,125,13,.15);
  border: 1px solid rgba(232,125,13,.3);
  padding: .35rem 1rem;
  border-radius: 50px;
  margin-bottom: 1.25rem;
}
.hero h1 {
  font-size: clamp(2rem, 4.5vw, 3rem);
  font-weight: 900;
  line-height: 1.15;
  margin-bottom: 1.25rem;
}
.hero .lead {
  font-size: 1.1rem;
  color: rgba(255,255,255,.82);
  margin-bottom: 2rem;
  line-height: 1.7;
}
.hero-btns { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2rem; }
.btn-hero-primary {
  background: var(--secondary);
  color: #fff;
  padding: .85rem 2rem;
  border-radius: 50px;
  font-weight: 700;
  font-size: 1rem;
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  transition: all var(--transition);
  border: 2px solid transparent;
}
.btn-hero-primary:hover {
  background: var(--secondary-d);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(232,125,13,.4);
}
.btn-hero-outline {
  background: transparent;
  color: rgba(255,255,255,.85);
  padding: .85rem 2rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: 1rem;
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  border: 2px solid rgba(255,255,255,.35);
  transition: all var(--transition);
}
.btn-hero-outline:hover {
  border-color: rgba(255,255,255,.7);
  color: #fff;
  background: rgba(255,255,255,.08);
}

/* ── Hero Dashboard (CSS only) ──────────────────────────────── */
.hero-dashboard {
  position: relative;
  width: 400px;
  max-width: 100%;
  height: 380px;
  margin: 0 auto;
}
.hd-card {
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  backdrop-filter: blur(16px);
  border-radius: var(--radius-lg);
  color: #fff;
  box-shadow: 0 8px 32px rgba(0,0,0,.18);
}
.hd-main {
  position: absolute;
  top: 0; left: 0;
  width: 85%;
  padding: 1.5rem;
  animation: hd-grow 6s ease-in-out infinite;
}
.hd-card-label { font-size: .72rem; font-weight: 600; opacity: .7; text-transform: uppercase; letter-spacing: .08em; margin-bottom: .4rem; }
.hd-amount { font-size: 2rem; font-weight: 900; margin-bottom: .2rem; }
.hd-amount span { font-size: 1.3rem; font-weight: 700; opacity: .8; }
.hd-sub { font-size: .78rem; opacity: .65; margin-bottom: 1rem; }
.hd-bar-wrap { margin-bottom: 1rem; }
.hd-bar-track { height: 6px; background: rgba(255,255,255,.2); border-radius: 3px; overflow: hidden; }
.hd-bar-fill  { height: 100%; width: 73%; background: linear-gradient(90deg, var(--secondary), #f59e0b); border-radius: 3px; }
.hd-row-stats { display: flex; gap: 1rem; }
.hd-stat-val  { font-size: 1rem; font-weight: 800; }
.hd-stat-lbl  { font-size: .65rem; opacity: .6; margin-top: .1rem; }

.hd-badge {
  position: absolute;
  bottom: 60px; right: -15px;
  background: rgba(34,197,94,.15);
  border: 1px solid rgba(34,197,94,.4);
  backdrop-filter: blur(10px);
  border-radius: var(--radius);
  padding: .7rem 1rem;
  display: flex;
  align-items: center;
  gap: .6rem;
  font-size: .78rem;
  animation: hd-float 4s ease-in-out infinite;
}
.hd-badge-ok i { color: #4ade80; font-size: 1.2rem; }
.hd-badge strong { display: block; }
.hd-badge span   { font-size: .7rem; opacity: .75; }

.hd-mini {
  position: absolute;
  width: 130px;
  padding: .9rem 1rem;
}
.hd-mini-left  { bottom: 0; left: 0; animation: hd-float 5s 1s ease-in-out infinite; }
.hd-mini-right { bottom: 20px; right: 0; animation: hd-float 5s 2.5s ease-in-out infinite; }

.hd-circle {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  opacity: .15;
}
.hd-c1 { width: 220px; height: 220px; top: -40px; right: -40px; background: var(--secondary); }
.hd-c2 { width: 120px; height: 120px; bottom: -20px; left: 40px; background: var(--info); }

@keyframes hd-grow {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-8px); }
}
@keyframes hd-float {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  50%       { transform: translateY(-6px) rotate(1deg); }
}

/* ── Rates bar ──────────────────────────────────────────────── */
.hero-rates-bar {
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,.12);
}
.hero-rate-pill {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 50px;
  padding: .4rem 1rem;
  display: inline-flex;
  align-items: center;
  gap: .5rem;
}
.hero-rate-val { font-size: .9rem; font-weight: 800; color: var(--secondary); }
.hero-rate-lbl { font-size: .75rem; opacity: .7; }

/* ── Stats bar ──────────────────────────────────────────────── */
.stats-bar {
  background: var(--light);
  padding: 3rem 0;
}
.stat-item { padding: 1rem; }
.stat-value {
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 900;
  color: var(--primary);
  line-height: 1;
  margin-bottom: .4rem;
}
.stat-label { font-size: .82rem; color: var(--muted); font-weight: 500; }
@media (min-width: 768px) {
  .stat-divider { border-left: 1px solid var(--border); }
}

/* ── Zwei Länder ────────────────────────────────────────────── */
.zwei-laender-section {
  background: var(--light);
  padding: 5rem 0;
}
.country-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow);
  border-top: 5px solid var(--border);
  height: 100%;
  transition: transform var(--transition), box-shadow var(--transition);
}
.country-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.country-de { border-top-color: #000; }
.country-ch { border-top-color: #FF0000; }

.country-flag { font-size: 2.5rem; margin-bottom: .75rem; }
.country-card h3 { font-size: 1.3rem; font-weight: 800; color: var(--primary); margin-bottom: .3rem; }
.country-card .country-sub { font-size: .82rem; color: var(--muted); margin-bottom: 1.25rem; }
.country-features {
  list-style: none;
  padding: 0;
  margin-bottom: 1.5rem;
}
.country-features li {
  display: flex;
  align-items: flex-start;
  gap: .6rem;
  font-size: .88rem;
  padding: .35rem 0;
  border-bottom: 1px solid var(--border);
}
.country-features li:last-child { border-bottom: none; }
.country-features li i { color: var(--success); margin-top: .15rem; flex-shrink: 0; }
.country-contact {
  background: var(--light);
  border-radius: var(--radius);
  padding: .9rem 1rem;
  margin-bottom: 1.25rem;
  font-size: .84rem;
}
.country-contact .country-phone,
.country-contact .country-email {
  display: flex;
  align-items: center;
  gap: .5rem;
  margin-bottom: .3rem;
  font-weight: 600;
}
.country-contact .country-email { margin-bottom: 0; }
.country-btn {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  padding: .65rem 1.5rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: .88rem;
  transition: all var(--transition);
  border: 2px solid var(--primary);
  color: var(--primary);
  width: 100%;
  justify-content: center;
}
.country-btn:hover {
  background: var(--primary);
  color: #fff;
}

.zwei-trust-bar {
  margin-top: 4rem;
  padding: 2rem;
  background: #fff;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
}
.zwei-trust-bar .row { display: flex; justify-content: center; }
.ztb-item { text-align: center; padding: 1rem; }
.ztb-item i { font-size: 1.6rem; color: var(--primary); margin-bottom: .5rem; display: block; }
.ztb-item span { font-size: .82rem; font-weight: 600; color: #475569; }

/* ── Service cards ──────────────────────────────────────────── */
.service-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
  height: 100%;
  border: 1px solid var(--border);
}
.service-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.service-icon {
  width: 56px; height: 56px;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.25rem;
  background: rgba(27,58,107,.08);
  color: var(--primary);
}
.service-card h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: .5rem; color: var(--primary); }
.service-card p  { font-size: .88rem; color: var(--muted); line-height: 1.6; }
.service-card .service-link {
  font-size: .85rem;
  font-weight: 600;
  color: var(--secondary);
  display: inline-flex;
  align-items: center;
  gap: .3rem;
  margin-top: 1rem;
}
.service-card .service-link:hover { gap: .6rem; }

/* ── Blog cards ─────────────────────────────────────────────── */
.blog-card {
  background: #fff;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
  height: 100%;
  border: 1px solid var(--border);
}
.blog-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.blog-card-img {
  height: 200px;
  background: linear-gradient(135deg, var(--primary), #2a4d8f);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3rem;
}
.blog-card-body   { padding: 1.5rem; }
.blog-card-cat    { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--secondary); margin-bottom: .5rem; }
.blog-card-title  { font-size: 1rem; font-weight: 700; color: var(--primary); margin-bottom: .6rem; line-height: 1.4; }
.blog-card-excerpt { font-size: .85rem; color: var(--muted); line-height: 1.6; }
.blog-card-meta   { font-size: .75rem; color: var(--muted); margin-top: .75rem; display: flex; gap: 1rem; }

/* ── Page Hero ──────────────────────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--primary), #2a4d8f);
  color: #fff;
  padding: 3.5rem 0;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='100' height='100' viewBox='0 0 100 100' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M11 18c3.866 0 7-3.134 7-7s-3.134-7-7-7-7 3.134-7 7 3.134 7 7 7zm48 25c3.866 0 7-3.134 7-7s-3.134-7-7-7-7 3.134-7 7 3.134 7 7 7zm-43-7c1.657 0 3-1.343 3-3s-1.343-3-3-3-3 1.343-3 3 1.343 3 3 3zm63 31c1.657 0 3-1.343 3-3s-1.343-3-3-3-3 1.343-3 3 1.343 3 3 3z' fill='%23ffffff' fill-opacity='0.05' fill-rule='evenodd'/%3E%3C/svg%3E");
  pointer-events: none;
}
.page-hero h1    { font-size: clamp(1.75rem, 3.5vw, 2.5rem); font-weight: 900; margin-bottom: .5rem; }
.page-hero p     { font-size: 1rem; opacity: .8; margin-bottom: 0; }
.breadcrumb-custom { font-size: .82rem; opacity: .7; margin-bottom: .75rem; }
.breadcrumb-custom a { color: rgba(255,255,255,.75); }
.breadcrumb-custom .sep { margin: 0 .4rem; }

/* ── Forms ──────────────────────────────────────────────────── */
.form-control, .form-select {
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: .7rem 1rem;
  font-size: .9rem;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-control:focus, .form-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(27,58,107,.12);
}
.form-label { font-size: .88rem; font-weight: 600; margin-bottom: .4rem; color: #374151; }
.form-range::-webkit-slider-thumb { background: var(--primary); }
.form-range::-moz-range-thumb { background: var(--primary); }

/* ── Contact cards ──────────────────────────────────────────── */
.contact-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.contact-office-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  height: 100%;
  transition: transform var(--transition);
}
.contact-office-card:hover { transform: translateY(-3px); }
.contact-office-header {
  display: flex;
  align-items: center;
  gap: .75rem;
  margin-bottom: 1.25rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--border);
}
.contact-office-header .flag { font-size: 1.8rem; }
.contact-office-header h3   { font-size: 1.05rem; font-weight: 700; color: var(--primary); margin: 0; }
.contact-office-header p    { font-size: .8rem; color: var(--muted); margin: 0; }
.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  margin-bottom: .9rem;
  font-size: .9rem;
}
.contact-info-item i { font-size: 1rem; color: var(--secondary); margin-top: .1rem; flex-shrink: 0; }

/* ── Calculator ─────────────────────────────────────────────── */
.calc-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.calc-result-box {
  background: var(--light);
  border-radius: var(--radius);
  padding: 1.5rem;
  margin-top: 1.5rem;
  border: 1px solid var(--border);
}
.calc-result-label { font-size: .78rem; color: var(--muted); font-weight: 500; text-transform: uppercase; letter-spacing: .06em; }
.calc-result-value { font-size: 1.4rem; font-weight: 800; color: var(--primary); margin-top: .25rem; }

/* ── Market toggle ──────────────────────────────────────────── */
.market-toggle {
  display: flex;
  background: var(--light);
  border-radius: 50px;
  padding: 4px;
  gap: 2px;
  border: 1px solid var(--border);
}
.mt-btn {
  flex: 1;
  background: transparent;
  border: none;
  border-radius: 50px;
  padding: .55rem 1rem;
  font-size: .88rem;
  font-weight: 600;
  color: var(--muted);
  cursor: pointer;
  transition: all var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: .4rem;
}
.mt-btn:hover { color: var(--primary); }
.mt-btn.active {
  background: var(--primary);
  color: #fff;
  box-shadow: 0 2px 10px rgba(27,58,107,.25);
}
.mt-currency { font-size: .75rem; opacity: .8; }

/* ── Warning box ────────────────────────────────────────────── */
.warning-box {
  background: #fffbeb;
  border: 1px solid #f59e0b;
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  font-size: .83rem;
  color: #78350f;
  line-height: 1.6;
}

/* ── Testimonials ───────────────────────────────────────────── */
.testimonial-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  height: 100%;
}
.testimonial-stars { color: #f59e0b; font-size: .9rem; margin-bottom: .75rem; }
.testimonial-text  { font-size: .92rem; line-height: 1.7; color: #374151; font-style: italic; margin-bottom: 1rem; }
.testimonial-author { display: flex; align-items: center; gap: .75rem; }
.testimonial-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--info));
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: .9rem;
  flex-shrink: 0;
}
.testimonial-name { font-size: .88rem; font-weight: 700; color: var(--primary); }
.testimonial-loc  { font-size: .75rem; color: var(--muted); }

/* ── Alert auto-hide ────────────────────────────────────────── */
.alert-auto-hide { animation: fadeOut 0.5s 4.5s forwards; }
@keyframes fadeOut { to { opacity: 0; pointer-events: none; } }

/* ── Page-hero inline style ─────────────────────────────────── */
.product-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
  background: rgba(232,125,13,.15);
  color: var(--secondary);
  border: 1px solid rgba(232,125,13,.3);
  border-radius: 50px;
  padding: .3rem .9rem;
  font-size: .78rem;
  font-weight: 700;
  margin-bottom: .8rem;
}

/* ── Product detail page ────────────────────────────────────── */
.product-features-box {
  background: var(--light);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  border: 1px solid var(--border);
}
.product-features-box li { padding: .4rem 0; font-size: .9rem; }
.sticky-sidebar {
  position: sticky;
  top: 90px;
}

/* ── FAQ ────────────────────────────────────────────────────── */
.accordion-button:not(.collapsed) {
  background: rgba(27,58,107,.06);
  color: var(--primary);
  font-weight: 700;
}
.accordion-button:focus { box-shadow: 0 0 0 3px rgba(27,58,107,.12); }
.accordion-item {
  border: 1px solid var(--border);
  border-radius: var(--radius) !important;
  margin-bottom: .5rem;
  overflow: hidden;
}

/* ── Footer ─────────────────────────────────────────────────── */
.site-footer {
  background: var(--dark);
  color: rgba(255,255,255,.7);
  padding: 4.5rem 0 2.5rem;
}
.footer-brand { font-size: 1.5rem; font-weight: 900; margin-bottom: 1rem; }
.footer-desc  { font-size: .88rem; line-height: 1.7; max-width: 360px; margin-bottom: 1.5rem; color: rgba(255,255,255,.6); }
.footer-social { display: flex; gap: .75rem; }
.footer-social a {
  width: 38px; height: 38px;
  border-radius: 8px;
  background: rgba(255,255,255,.08);
  color: rgba(255,255,255,.7);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  transition: all var(--transition);
}
.footer-social a:hover { background: var(--secondary); color: #fff; }
.footer-heading { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: rgba(255,255,255,.4); margin-bottom: 1rem; }
.footer-links   { list-style: none; padding: 0; }
.footer-links li { margin-bottom: .5rem; }
.footer-links a  { color: rgba(255,255,255,.65); font-size: .88rem; transition: color var(--transition); }
.footer-links a:hover { color: var(--secondary); }
.footer-office-block { font-size: .85rem; color: rgba(255,255,255,.65); }
.footer-office-label { font-weight: 700; color: rgba(255,255,255,.9); margin-bottom: .4rem; font-size: .82rem; }
.footer-office-block a { color: rgba(255,255,255,.65); }
.footer-office-block a:hover { color: var(--secondary); }
.footer-hr   { border-color: rgba(255,255,255,.1); margin: 2.5rem 0 1.5rem; }
.footer-legal { font-size: .8rem; color: rgba(255,255,255,.4); }
.footer-legal a { color: rgba(255,255,255,.5); }
.footer-legal a:hover { color: var(--secondary); }
.footer-disclaimer {
  font-size: .76rem;
  color: rgba(255,255,255,.3);
  border-top: 1px solid rgba(255,255,255,.07);
  padding-top: 1rem;
}

/* ── Back to top ────────────────────────────────────────────── */
.back-to-top {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  box-shadow: 0 4px 14px rgba(27,58,107,.35);
  cursor: pointer;
  opacity: 0;
  transform: translateY(10px);
  transition: opacity var(--transition), transform var(--transition);
  z-index: 999;
}
.back-to-top.visible { opacity: 1; transform: translateY(0); }
.back-to-top:hover   { background: var(--secondary); }

/* ── Admin ──────────────────────────────────────────────────── */
.admin-wrapper { display: flex; min-height: 100vh; }
.admin-sidebar {
  width: 240px;
  flex-shrink: 0;
  background: var(--primary);
  color: #fff;
  padding: 1.5rem 1rem;
}
.admin-sidebar .admin-brand {
  font-size: 1.1rem;
  font-weight: 800;
  padding: .5rem .75rem 1.5rem;
  border-bottom: 1px solid rgba(255,255,255,.12);
  margin-bottom: 1rem;
}
.admin-nav a {
  display: flex;
  align-items: center;
  gap: .6rem;
  color: rgba(255,255,255,.7);
  padding: .65rem .75rem;
  border-radius: 8px;
  font-size: .88rem;
  font-weight: 500;
  transition: all var(--transition);
  margin-bottom: 2px;
}
.admin-nav a:hover,
.admin-nav a.active {
  background: rgba(255,255,255,.12);
  color: #fff;
}
.admin-main { flex: 1; background: var(--light); padding: 2rem; overflow-y: auto; }
.admin-header { background: #fff; border-radius: var(--radius); padding: 1rem 1.5rem; margin-bottom: 1.5rem; box-shadow: var(--shadow); display: flex; justify-content: space-between; align-items: center; }
.admin-card { background: #fff; border-radius: var(--radius-lg); padding: 1.5rem; box-shadow: var(--shadow); margin-bottom: 1.5rem; }
.stat-chip { border-radius: var(--radius); padding: 1.25rem 1.5rem; color: #fff; }
.stat-chip-blue  { background: linear-gradient(135deg, var(--primary), #2a4d8f); }
.stat-chip-orange{ background: linear-gradient(135deg, var(--secondary), #f59e0b); }
.stat-chip-green { background: linear-gradient(135deg, #16a34a, #22c55e); }
.stat-chip-red   { background: linear-gradient(135deg, #dc2626, #ef4444); }
.stat-chip .chip-val { font-size: 1.8rem; font-weight: 900; }
.stat-chip .chip-lbl { font-size: .78rem; opacity: .85; }

/* ── Client space ───────────────────────────────────────────── */
.client-wrapper { background: var(--light); min-height: 100vh; padding: 2rem 0; }
.client-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
}
.loan-status-badge {
  font-size: .75rem;
  font-weight: 700;
  padding: .25rem .7rem;
  border-radius: 50px;
}
.badge-active  { background: rgba(34,197,94,.12); color: #16a34a; }
.badge-late    { background: rgba(239,68,68,.12); color: #dc2626; }
.badge-closed  { background: rgba(107,114,128,.12); color: #6b7280; }

/* ── Responsive ─────────────────────────────────────────────── */
@media (max-width: 991px) {
  .hero { padding: 3.5rem 0 2.5rem; }
  .hero-dashboard { height: 300px; }
  .hd-main { width: 90%; }
}
@media (max-width: 767px) {
  .hero-dashboard { display: none; }
  .section-pad { padding: 3rem 0; }
  .topbar { font-size: .75rem; }
  .admin-sidebar { width: 200px; }
  .admin-main { padding: 1rem; }
}
@media (max-width: 575px) {
  .admin-wrapper { flex-direction: column; }
  .admin-sidebar { width: 100%; }
}