/* =============================================
   ZinsVergleich.de – Professional CSS
   ============================================= */

:root {
  --primary: #0066CC;
  --primary-dark: #0052a3;
  --primary-light: #e8f1fb;
  --secondary: #00A86B;
  --secondary-dark: #008a57;
  --accent: #FF6B2B;
  --accent-light: #fff4ef;
  --gold: #F4A100;
  --gold-light: #fff8e6;
  --text-primary: #0d1b2a;
  --text-secondary: #4a5568;
  --text-muted: #718096;
  --border: #e2e8f0;
  --border-light: #f0f4f8;
  --bg: #f7f9fc;
  --bg-white: #ffffff;
  --shadow-sm: 0 1px 3px rgba(0,0,0,.06), 0 1px 2px rgba(0,0,0,.04);
  --shadow: 0 4px 12px rgba(0,0,0,.08), 0 2px 4px rgba(0,0,0,.04);
  --shadow-md: 0 8px 24px rgba(0,0,0,.10), 0 4px 8px rgba(0,0,0,.04);
  --shadow-lg: 0 16px 48px rgba(0,0,0,.12), 0 8px 16px rgba(0,0,0,.06);
  --radius-sm: 6px;
  --radius: 10px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --transition: all 0.2s cubic-bezier(0.4,0,0.2,1);
  --font: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font);
  color: var(--text-primary);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* ====== UTILITIES ====== */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.gradient-text {
  background: linear-gradient(135deg, #0066CC 0%, #00A86B 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ====== BUTTONS ====== */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 12px 24px;
  font-family: var(--font); font-size: 15px; font-weight: 600;
  border-radius: var(--radius);
  cursor: pointer; border: none; text-decoration: none;
  transition: var(--transition);
  white-space: nowrap; user-select: none;
}
.btn-primary {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: #fff;
  box-shadow: 0 4px 12px rgba(0,102,204,.3);
}
.btn-primary:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(0,102,204,.4);
}
.btn-secondary {
  background: linear-gradient(135deg, var(--secondary) 0%, var(--secondary-dark) 100%);
  color: #fff;
  box-shadow: 0 4px 12px rgba(0,168,107,.3);
}
.btn-secondary:hover { transform: translateY(-1px); box-shadow: 0 6px 20px rgba(0,168,107,.4); }
.btn-outline {
  background: transparent; color: var(--primary);
  border: 2px solid var(--primary);
}
.btn-outline:hover { background: var(--primary); color: #fff; }
.btn-lg { padding: 15px 32px; font-size: 16px; border-radius: 12px; }
.btn-sm { padding: 8px 16px; font-size: 14px; border-radius: 8px; }
.btn-cta {
  background: linear-gradient(135deg, #FF6B2B 0%, #e8541a 100%);
  color: #fff; font-size: 15px; font-weight: 700;
  box-shadow: 0 4px 16px rgba(255,107,43,.35);
}
.btn-cta:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(255,107,43,.45); }

/* ====== HEADER ====== */
.header {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow 0.3s ease;
}
.header.scrolled { box-shadow: var(--shadow-md); }
.nav {
  display: flex; align-items: center; gap: 32px;
  height: 72px;
}
.logo {
  display: flex; align-items: center; gap: 10px;
  text-decoration: none; flex-shrink: 0;
}
.logo-icon {
  width: 40px; height: 40px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 18px;
  box-shadow: 0 4px 12px rgba(0,102,204,.3);
}
.logo-text { display: flex; align-items: baseline; gap: 0; }
.logo-main { font-size: 22px; font-weight: 800; color: var(--text-primary); }
.logo-tld { font-size: 22px; font-weight: 800; color: var(--primary); }
.logo--white .logo-main, .logo--white .logo-tld { color: #fff; }

.nav-links {
  display: flex; align-items: center; gap: 4px;
  list-style: none; margin-left: auto;
}
.nav-link {
  padding: 8px 14px; border-radius: 8px;
  color: var(--text-secondary); text-decoration: none;
  font-weight: 500; font-size: 15px;
  transition: var(--transition);
}
.nav-link:hover, .nav-link.active { color: var(--primary); background: var(--primary-light); }

.nav-actions { display: flex; align-items: center; gap: 12px; }
.nav-toggle { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; padding: 4px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--text-primary); border-radius: 2px; transition: var(--transition); }

/* ====== HERO ====== */
.hero {
  position: relative;
  background: linear-gradient(145deg, #001e4d 0%, #003399 40%, #0066CC 70%, #0099aa 100%);
  padding: 80px 0 100px;
  overflow: hidden;
  color: #fff;
}
.hero-gradient {
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 20% 50%, rgba(0,168,107,.3) 0%, transparent 60%),
              radial-gradient(ellipse at 80% 20%, rgba(255,107,43,.2) 0%, transparent 50%);
}
.hero-pattern {
  position: absolute; inset: 0;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,.08) 1px, transparent 0);
  background-size: 32px 32px;
}
.hero-content { position: relative; z-index: 1; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.15);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,.25);
  color: #fff; padding: 8px 18px; border-radius: 100px;
  font-size: 14px; font-weight: 600; margin-bottom: 24px;
}
.hero-title {
  font-size: clamp(36px, 5vw, 64px); font-weight: 900;
  line-height: 1.1; margin-bottom: 20px;
  color: #fff; letter-spacing: -0.02em;
}
.hero-title .gradient-text {
  background: linear-gradient(135deg, #7dd3fc 0%, #86efac 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.hero-subtitle {
  font-size: 18px; color: rgba(255,255,255,.85);
  max-width: 600px; margin-bottom: 40px; line-height: 1.7;
}
.hero-tabs {
  display: flex; gap: 16px; margin-bottom: 48px; flex-wrap: wrap;
}
.hero-tab {
  display: flex; align-items: center; gap: 14px;
  background: rgba(255,255,255,.12);
  backdrop-filter: blur(10px);
  border: 2px solid rgba(255,255,255,.2);
  border-radius: var(--radius-md); padding: 16px 24px;
  color: #fff; text-decoration: none;
  transition: var(--transition); cursor: pointer;
  min-width: 200px;
}
.hero-tab:hover { background: rgba(255,255,255,.2); transform: translateY(-2px); }
.hero-tab--active {
  background: rgba(255,255,255,.2);
  border-color: rgba(255,255,255,.5);
  box-shadow: 0 8px 24px rgba(0,0,0,.2);
}
.hero-tab i { font-size: 24px; color: #7dd3fc; }
.tab-label { display: block; font-weight: 700; font-size: 16px; }
.tab-sub { display: block; font-size: 13px; color: rgba(255,255,255,.7); }
.hero-stats {
  display: flex; align-items: center; gap: 0;
  background: rgba(255,255,255,.1);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius-lg);
  overflow: hidden; flex-wrap: wrap;
}
.stat-item { flex: 1; padding: 20px 28px; text-align: center; min-width: 120px; }
.stat-value { display: block; font-size: 28px; font-weight: 900; color: #fff; line-height: 1; }
.stat-label { display: block; font-size: 13px; color: rgba(255,255,255,.7); margin-top: 4px; }
.stat-divider { width: 1px; height: 60px; background: rgba(255,255,255,.2); flex-shrink: 0; }
.hero-wave {
  position: absolute; bottom: 0; left: 0; right: 0;
  line-height: 0;
}
.hero-wave svg { width: 100%; height: 60px; }

/* ====== TRUST BAR ====== */
.trust-bar {
  background: #fff; padding: 20px 0;
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}
.trust-items {
  display: flex; align-items: center; justify-content: center;
  gap: 8px; flex-wrap: wrap;
}
.trust-item {
  display: flex; align-items: center; gap: 8px;
  color: var(--text-secondary); font-size: 14px; font-weight: 500;
  padding: 8px 16px; border-radius: 100px;
  background: var(--bg);
}
.trust-item i { color: var(--secondary); font-size: 14px; }

/* ====== SECTIONS ====== */
.offers-section { padding: 72px 0; }
.offers-section--alt { background: #fff; }
.section-header { text-align: center; margin-bottom: 48px; }
.section-tag {
  display: inline-block;
  background: var(--primary-light); color: var(--primary);
  font-size: 13px; font-weight: 700; letter-spacing: 0.5px;
  padding: 6px 16px; border-radius: 100px; margin-bottom: 12px;
  text-transform: uppercase;
}
.section-title {
  font-size: clamp(28px, 4vw, 40px); font-weight: 800;
  color: var(--text-primary); letter-spacing: -0.02em;
  margin-bottom: 12px;
}
.section-subtitle {
  font-size: 16px; color: var(--text-secondary);
  max-width: 560px; margin: 0 auto;
}
.section-cta { text-align: center; margin-top: 40px; }

/* ====== OFFERS LIST ====== */
.offers-list { display: flex; flex-direction: column; gap: 16px; }
.loading-state {
  text-align: center; padding: 60px;
  color: var(--text-muted);
}
.spinner {
  width: 40px; height: 40px; margin: 0 auto 16px;
  border: 3px solid var(--border);
  border-top-color: var(--primary);
  border-radius: 50%; animation: spin 0.8s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ====== OFFER CARD ====== */
.offer-card {
  background: #fff; border-radius: var(--radius-md);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  overflow: hidden;
  position: relative;
}
.offer-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  border-color: var(--primary);
}
.offer-card--featured {
  border-color: var(--primary);
  box-shadow: 0 4px 20px rgba(0,102,204,.12);
}
.offer-card--featured::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--primary) 0%, var(--secondary) 100%);
}
.offer-inner {
  display: grid;
  grid-template-columns: 1fr auto auto auto;
  align-items: center;
  gap: 24px; padding: 24px 28px;
}
@media (max-width: 900px) {
  .offer-inner { grid-template-columns: 1fr 1fr; gap: 16px; }
}
@media (max-width: 600px) {
  .offer-inner { grid-template-columns: 1fr; }
}

/* Bank Info */
.offer-bank { display: flex; align-items: center; gap: 16px; min-width: 220px; }
.bank-logo-wrap {
  width: 64px; height: 64px; flex-shrink: 0;
  border-radius: var(--radius); border: 1px solid var(--border);
  background: #fff; display: flex; align-items: center; justify-content: center;
  overflow: hidden; box-shadow: var(--shadow-sm);
}
.bank-logo-wrap img { width: 100%; height: 100%; object-fit: contain; padding: 6px; }
.bank-logo-placeholder {
  width: 100%; height: 100%;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px; font-weight: 800; color: var(--primary);
  background: var(--primary-light);
}
.bank-info { flex: 1; min-width: 0; }
.bank-name { font-size: 16px; font-weight: 700; color: var(--text-primary); }
.bank-meta {
  display: flex; align-items: center; gap: 8px; margin-top: 4px; flex-wrap: wrap;
}
.bank-rating { display: flex; align-items: center; gap: 4px; font-size: 13px; }
.bank-rating i { color: var(--gold); font-size: 11px; }
.bank-rating span { color: var(--text-secondary); }
.bank-type-badge {
  font-size: 11px; font-weight: 600; letter-spacing: 0.3px;
  padding: 2px 8px; border-radius: 4px;
  background: var(--bg); color: var(--text-muted);
}
.partner-badge {
  font-size: 11px; font-weight: 700; letter-spacing: 0.5px;
  padding: 3px 8px; border-radius: 4px;
  background: var(--gold-light); color: var(--gold);
  border: 1px solid rgba(244,161,0,.2);
}

/* Rate Display */
.offer-rate { text-align: center; }
.rate-main { font-size: 36px; font-weight: 900; color: var(--secondary); line-height: 1; }
.rate-label { font-size: 12px; color: var(--text-muted); margin-top: 4px; }
.rate-promo {
  margin-top: 6px; font-size: 12px; font-weight: 600;
  color: var(--accent); background: var(--accent-light);
  padding: 3px 8px; border-radius: 4px; display: inline-block;
}

/* Features */
.offer-features { min-width: 180px; }
.feature-list { list-style: none; }
.feature-list li {
  display: flex; align-items: center; gap: 8px;
  font-size: 13px; color: var(--text-secondary);
  padding: 3px 0;
}
.feature-list li i { color: var(--secondary); font-size: 11px; flex-shrink: 0; }

/* CTA */
.offer-cta { display: flex; flex-direction: column; align-items: center; gap: 8px; }
.offer-badge {
  font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.5px;
  padding: 4px 12px; border-radius: 100px;
  background: var(--gold-light); color: var(--gold);
  border: 1px solid rgba(244,161,0,.2);
}
.offer-amount { font-size: 12px; color: var(--text-muted); text-align: center; }

/* ====== DURATION FILTER ====== */
.duration-filter {
  display: flex; gap: 8px; margin-bottom: 32px; flex-wrap: wrap; justify-content: center;
}
.duration-btn {
  padding: 10px 20px; border-radius: 100px; border: 2px solid var(--border);
  background: #fff; color: var(--text-secondary); font-weight: 600; font-size: 14px;
  cursor: pointer; transition: var(--transition); font-family: var(--font);
}
.duration-btn:hover { border-color: var(--primary); color: var(--primary); }
.duration-btn.active { background: var(--primary); border-color: var(--primary); color: #fff; box-shadow: 0 4px 12px rgba(0,102,204,.25); }

/* ====== CALCULATOR ====== */
.calculator-section { padding: 72px 0; background: linear-gradient(135deg, var(--primary-light) 0%, #e8f8f2 100%); }
.calculator-card {
  background: #fff; border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 40px;
  border: 1px solid var(--border);
}
.calculator-inputs {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 32px; margin-bottom: 40px;
}
.calc-group { display: flex; flex-direction: column; gap: 8px; }
.calc-label { font-size: 14px; font-weight: 600; color: var(--text-secondary); }
.input-wrapper {
  display: flex; align-items: center;
  border: 2px solid var(--border); border-radius: var(--radius);
  overflow: hidden; background: #fff;
  transition: var(--transition);
}
.input-wrapper:focus-within { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(0,102,204,.1); }
.input-prefix, .input-suffix {
  padding: 12px 14px; background: var(--bg);
  color: var(--text-muted); font-size: 15px; font-weight: 600;
  border-right: 1px solid var(--border); white-space: nowrap;
}
.input-suffix { border-right: none; border-left: 1px solid var(--border); }
.calc-input {
  flex: 1; padding: 12px 14px; border: none; outline: none;
  font-size: 18px; font-weight: 700; color: var(--text-primary);
  font-family: var(--font); background: transparent;
  min-width: 0;
}
.calc-presets { display: flex; gap: 6px; flex-wrap: wrap; }
.preset-btn {
  padding: 5px 12px; border: 1px solid var(--border); border-radius: 6px;
  background: var(--bg); font-size: 12px; font-weight: 600;
  color: var(--text-secondary); cursor: pointer;
  transition: var(--transition); font-family: var(--font);
}
.preset-btn:hover { border-color: var(--primary); color: var(--primary); background: var(--primary-light); }
.rate-slider {
  width: 100%; height: 4px; border-radius: 2px; margin-top: 8px;
  accent-color: var(--primary); cursor: pointer;
}
.calculator-results {
  display: grid; grid-template-columns: 1.5fr 1fr 1fr;
  gap: 16px; margin-bottom: 24px;
}
@media (max-width: 700px) { .calculator-results { grid-template-columns: 1fr; } }
.result-card {
  padding: 24px; border-radius: var(--radius-md);
  background: var(--bg); text-align: center;
  border: 1px solid var(--border);
}
.result-main { background: var(--primary-light); border-color: var(--primary); }
.result-icon { font-size: 24px; color: var(--primary); margin-bottom: 8px; }
.result-value { font-size: 28px; font-weight: 900; color: var(--text-primary); }
.result-main .result-value { color: var(--primary); }
.result-label { font-size: 13px; color: var(--text-muted); margin-top: 6px; }
.calc-disclaimer { font-size: 12px; color: var(--text-muted); line-height: 1.6; }

/* ====== USP ====== */
.usp-section { padding: 72px 0; }
.usp-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 24px; }
.usp-card {
  background: #fff; border-radius: var(--radius-md);
  padding: 32px; border: 1px solid var(--border);
  box-shadow: var(--shadow-sm); transition: var(--transition);
}
.usp-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.usp-icon {
  width: 56px; height: 56px; border-radius: var(--radius);
  background: linear-gradient(135deg, var(--primary-light) 0%, #e8f8f2 100%);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.usp-icon i { font-size: 24px; color: var(--primary); }
.usp-card h3 { font-size: 18px; font-weight: 700; margin-bottom: 10px; }
.usp-card p { font-size: 14px; color: var(--text-secondary); line-height: 1.7; }

/* ====== PARTNERS ====== */
.partners-section { padding: 40px 0; background: var(--bg); border-top: 1px solid var(--border); }
.partners-label { text-align: center; font-size: 13px; color: var(--text-muted); font-weight: 600; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 24px; }
.partners-scroll { overflow: hidden; }
.partners-track {
  display: flex; gap: 16px;
  animation: scroll-partners 30s linear infinite;
  width: max-content;
}
.partners-track:hover { animation-play-state: paused; }
@keyframes scroll-partners { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.partner-logo-item {
  flex-shrink: 0;
  background: #fff; border-radius: var(--radius); border: 1px solid var(--border);
  padding: 12px 20px;
  display: flex; align-items: center; justify-content: center;
  min-width: 120px; height: 56px;
  font-size: 14px; font-weight: 700; color: var(--primary);
  box-shadow: var(--shadow-sm);
}

/* ====== INFO SECTION ====== */
.info-section { padding: 72px 0; background: #fff; }
.info-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 24px; }
.info-card {
  background: var(--bg); border-radius: var(--radius-md);
  padding: 32px; border: 1px solid var(--border);
}
.info-card h3 {
  font-size: 18px; font-weight: 700; margin-bottom: 12px;
  display: flex; align-items: center; gap: 10px; color: var(--text-primary);
}
.info-card h3 i { color: var(--primary); }
.info-card p { font-size: 14px; color: var(--text-secondary); line-height: 1.7; margin-bottom: 16px; }
.info-card ul { list-style: none; margin-bottom: 20px; }
.info-card ul li {
  font-size: 14px; color: var(--text-secondary);
  padding: 4px 0; display: flex; align-items: center; gap: 8px;
}
.info-card ul li::before { content: '✓'; color: var(--secondary); font-weight: 700; flex-shrink: 0; }
.info-link {
  color: var(--primary); font-weight: 600; font-size: 14px;
  text-decoration: none; display: inline-flex; align-items: center; gap: 6px;
  transition: var(--transition);
}
.info-link:hover { gap: 10px; }

/* ====== FOOTER ====== */
.footer {
  background: linear-gradient(145deg, #001122 0%, #001e4d 100%);
  color: rgba(255,255,255,.7); padding: 60px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px; padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-desc { font-size: 14px; line-height: 1.7; margin: 16px 0 20px; }
.footer-badges { display: flex; gap: 10px; flex-wrap: wrap; }
.footer-badge {
  display: flex; align-items: center; gap: 6px;
  padding: 6px 12px; border-radius: 6px;
  background: rgba(255,255,255,.1);
  font-size: 12px; font-weight: 600; color: rgba(255,255,255,.8);
}
.footer-badge i { color: var(--secondary); }
.footer-links-group h4 { font-size: 14px; font-weight: 700; color: #fff; margin-bottom: 16px; }
.footer-links-group ul { list-style: none; }
.footer-links-group ul li { margin-bottom: 10px; }
.footer-links-group ul a {
  color: rgba(255,255,255,.6); text-decoration: none; font-size: 14px;
  transition: var(--transition);
}
.footer-links-group ul a:hover { color: #fff; }
.footer-bottom { padding: 24px 0; }
.footer-disclaimer { margin-bottom: 16px; }
.footer-disclaimer p { font-size: 12px; line-height: 1.7; color: rgba(255,255,255,.4); margin-bottom: 6px; }
.footer-copy { font-size: 13px; color: rgba(255,255,255,.5); }

/* ====== COOKIE BANNER ====== */
.cookie-banner {
  position: fixed; bottom: 24px; left: 24px; right: 24px;
  background: var(--text-primary);
  border-radius: var(--radius-md); box-shadow: var(--shadow-lg);
  z-index: 9999;
  display: none;
  animation: slide-up 0.4s ease;
}
.cookie-banner.show { display: block; }
@keyframes slide-up { from { transform: translateY(20px); opacity: 0; } to { transform: translateY(0); opacity: 1; } }
.cookie-content {
  display: flex; align-items: center; gap: 20px;
  padding: 20px 24px; flex-wrap: wrap;
}
.cookie-text {
  display: flex; align-items: center; gap: 12px; flex: 1;
  color: rgba(255,255,255,.85); font-size: 14px; line-height: 1.6;
}
.cookie-text i { font-size: 20px; color: var(--gold); flex-shrink: 0; }
.cookie-text a { color: #7dd3fc; }
.cookie-actions { display: flex; gap: 10px; flex-shrink: 0; flex-wrap: wrap; }
.cookie-actions .btn-outline { border-color: rgba(255,255,255,.3); color: rgba(255,255,255,.7); }
.cookie-actions .btn-outline:hover { background: rgba(255,255,255,.1); }

/* ====== RESPONSIVE ====== */
@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
  .hero { padding: 60px 0 80px; }
  .hero-tabs { flex-direction: column; }
  .hero-tab { min-width: auto; }
  .hero-stats { flex-direction: column; }
  .stat-divider { display: none; }
  .trust-items { justify-content: flex-start; }
  .offer-inner { grid-template-columns: 1fr; }
  .offer-bank { min-width: auto; }
  .calculator-inputs { grid-template-columns: 1fr; }
  .calculator-card { padding: 24px; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero-title { font-size: 30px; }
  .section-title { font-size: 26px; }
}

/* ====== ANIMATIONS ====== */
.fade-in { animation: fadeIn 0.4s ease forwards; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }