/* ========================================
   Europact Loan - Distinctive Premium Design
   Palette: Charcoal + Champagne Gold + Warm Cream
   ======================================== */

:root {
    --charcoal: #1c1c28;
    --charcoal-light: #2a2a3c;
    --charcoal-dark: #12121a;
    --champagne: #c9a96e;
    --champagne-light: #dbc08a;
    --champagne-pale: #f5ead6;
    --cream: #f7f5f0;
    --cream-warm: #f0ece4;
    --white: #ffffff;
    --stone-100: #e8e4dc;
    --stone-200: #d4cfc6;
    --stone-400: #9a9488;
    --stone-600: #6b655c;
    --stone-800: #3d3a34;
    --stone-900: #1f1e1b;
    --copper: #b87333;
    --red: #b83232;
    --green: #2d7a4e;
    --shadow: 0 2px 16px rgba(28,28,40,0.06);
    --shadow-lg: 0 8px 40px rgba(28,28,40,0.1);
    --radius: 8px;
    --radius-lg: 14px;
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    color: var(--stone-800);
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
    background: var(--cream);
}

h1, h2, h3, h4 { font-family: 'Playfair Display', Georgia, serif; font-weight: 600; line-height: 1.2; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; display: block; }
button { font-family: inherit; cursor: pointer; }

.container {
    width: 100%;
    max-width: 1160px;
    margin: 0 auto;
    padding: 0 1.5rem;
}
@media (min-width: 1024px) { .container { padding: 0 3rem; } }

/* ===== Buttons ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.875rem 2rem;
    border-radius: var(--radius);
    font-size: 0.8125rem;
    font-weight: 600;
    letter-spacing: 0.02em;
    transition: all 0.3s ease;
    border: none;
}
.btn-primary {
    background: var(--charcoal);
    color: var(--white);
}
.btn-primary:hover { background: var(--charcoal-light); transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.btn-champagne {
    background: var(--champagne);
    color: var(--charcoal-dark);
    box-shadow: 0 4px 14px rgba(201,169,110,0.3);
}
.btn-champagne:hover { background: var(--champagne-light); transform: translateY(-2px); }
.btn-outline {
    background: transparent;
    color: var(--charcoal);
    border: 1.5px solid var(--stone-200);
}
.btn-outline:hover { border-color: var(--champagne); color: var(--champagne); }
.btn-outline-warm {
    background: transparent;
    color: var(--white);
    border: 1.5px solid rgba(255,255,255,0.25);
}
.btn-outline-warm:hover { border-color: var(--champagne); color: var(--champagne); }

/* ===== Header ===== */
.header {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    background: var(--cream);
    border-bottom: 1px solid var(--stone-100);
    transition: all 0.3s ease;
}
.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 76px;
}
.logo { display: flex; align-items: center; gap: 0.75rem; }
.logo img { height: 48px; width: auto; border-radius: 4px; }
.logo-text { display: none; }
@media (min-width: 768px) {
    .logo-text { display: block; }
    .logo-name { font-family: 'Playfair Display', serif; font-size: 1.15rem; font-weight: 600; color: var(--charcoal); letter-spacing: 0.04em; line-height: 1; }
    .logo-tagline { font-size: 0.55rem; color: var(--champagne); text-transform: uppercase; letter-spacing: 0.18em; font-weight: 500; margin-top: 0.2rem; }
}

.nav-desktop { display: none; align-items: center; gap: 2.25rem; }
.nav-desktop a {
    font-size: 0.78rem;
    font-weight: 500;
    color: var(--stone-600);
    transition: color 0.3s;
    letter-spacing: 0.03em;
    text-transform: uppercase;
}
.nav-desktop a:hover { color: var(--champagne); }

.header-actions { display: none; align-items: center; gap: 1.25rem; }
.header-phone {
    display: flex;
    align-items: center;
    gap: 0.4rem;
    font-size: 0.78rem;
    font-weight: 500;
    color: var(--stone-600);
    transition: color 0.3s;
}
.header-phone:hover { color: var(--champagne); }

.menu-toggle {
    display: block;
    background: none;
    border: none;
    color: var(--charcoal);
    padding: 0.5rem;
    cursor: pointer;
}
.mobile-menu {
    display: none;
    position: absolute;
    top: 76px;
    left: 0; right: 0;
    background: var(--white);
    box-shadow: var(--shadow-lg);
    padding: 1.25rem 1.5rem;
    flex-direction: column;
    gap: 0;
    border-top: 1px solid var(--stone-100);
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
    display: block;
    padding: 0.75rem 0;
    font-size: 0.875rem;
    font-weight: 500;
    color: var(--stone-800);
    border-bottom: 1px solid var(--cream);
    text-transform: uppercase;
    letter-spacing: 0.04em;
    font-size: 0.75rem;
}

@media (min-width: 1024px) {
    .nav-desktop, .header-actions { display: flex; }
    .menu-toggle { display: none; }
    .mobile-menu { display: none !important; }
}

/* ===== Hero - LIGHT VERSION (distinct from Vittoria) ===== */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    background: var(--cream);
    overflow: hidden;
    padding-top: 76px;
}
.hero-accent-line {
    position: absolute;
    top: 0; left: 0;
    width: 100%; height: 4px;
    background: linear-gradient(90deg, var(--champagne) 0%, var(--copper) 50%, var(--champagne) 100%);
}
.hero::before {
    content: '';
    position: absolute;
    top: -10%; right: -15%;
    width: 500px; height: 500px;
    background: radial-gradient(circle, rgba(201,169,110,0.08) 0%, transparent 70%);
    pointer-events: none;
}
.hero::after {
    content: '';
    position: absolute;
    bottom: -20%; left: -10%;
    width: 350px; height: 350px;
    background: radial-gradient(circle, rgba(184,115,51,0.05) 0%, transparent 70%);
    pointer-events: none;
}
.hero-grid {
    position: relative;
    z-index: 1;
    display: grid;
    gap: 3rem;
    align-items: center;
    padding-top: 3rem;
    padding-bottom: 4rem;
}
.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background: var(--champagne-pale);
    border: 1px solid rgba(201,169,110,0.3);
    padding: 0.5rem 1rem;
    border-radius: 999px;
    font-size: 0.6875rem;
    font-weight: 600;
    color: var(--copper);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 1.75rem;
    width: fit-content;
}
.hero h1 {
    font-size: 2.75rem;
    color: var(--charcoal);
    max-width: 560px;
    margin-bottom: 1.25rem;
}
.hero h1 .accent { color: var(--champagne); font-style: italic; }
.hero-desc {
    font-size: 1rem;
    color: var(--stone-600);
    max-width: 480px;
    margin-bottom: 2.25rem;
    line-height: 1.7;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; margin-bottom: 3rem; }
.hero-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    max-width: 500px;
    padding-top: 2rem;
    border-top: 1px solid var(--stone-100);
}
.hero-stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 1.75rem;
    font-weight: 600;
    color: var(--champagne);
    line-height: 1;
}
.hero-stat-label {
    font-size: 0.625rem;
    color: var(--stone-400);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-top: 0.5rem;
}
.hero-visual { display: none; }
.hero-card {
    background: var(--white);
    border: 1px solid var(--stone-100);
    border-radius: var(--radius-lg);
    padding: 2rem;
    box-shadow: var(--shadow-lg);
}
.hero-card-header {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-bottom: 1.5rem;
    padding-bottom: 1.25rem;
    border-bottom: 1px solid var(--stone-100);
}
.hero-card-icon {
    width: 44px; height: 44px;
    background: var(--champagne-pale);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--copper);
}
.hero-card-title { font-family: 'Inter', sans-serif; font-weight: 600; color: var(--charcoal); font-size: 0.9375rem; }
.hero-card-sub { font-size: 0.75rem; color: var(--stone-400); }
.hero-card-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-bottom: 1.25rem; }
.hero-card-cell { background: var(--cream); border-radius: var(--radius); padding: 1rem; }
.hero-card-label { font-size: 0.625rem; color: var(--stone-400); text-transform: uppercase; letter-spacing: 0.08em; }
.hero-card-value { font-family: 'Playfair Display', serif; font-size: 1.375rem; font-weight: 600; color: var(--champagne); margin-top: 0.25rem; }
.hero-card-value-w { color: var(--charcoal); }
.hero-card-bar { background: var(--cream); border-radius: var(--radius); padding: 1rem; }
.hero-card-bar-header { display: flex; justify-content: space-between; font-size: 0.8125rem; margin-bottom: 0.5rem; }
.hero-card-bar-header span { color: var(--stone-600); }
.hero-card-bar-header .val { color: var(--copper); font-weight: 600; }
.hero-card-progress { width: 100%; height: 4px; background: var(--stone-100); border-radius: 999px; overflow: hidden; }
.hero-card-progress-fill { height: 100%; width: 55%; background: linear-gradient(90deg, var(--champagne), var(--copper)); border-radius: 999px; }
.hero-card-footer { font-size: 0.6875rem; color: var(--stone-400); text-align: center; margin-top: 1rem; }

@media (min-width: 1024px) {
    .hero-grid { grid-template-columns: 1fr 1fr; gap: 4rem; }
    .hero h1 { font-size: 3.25rem; }
    .hero-visual { display: block; }
}

/* ===== Section ===== */
.section { padding: 5rem 0; }
.section-cream { background: var(--cream); }
.section-white { background: var(--white); }
.section-warm { background: var(--cream-warm); }
.section-charcoal {
    background: var(--charcoal);
    position: relative;
    overflow: hidden;
}
.section-charcoal::before {
    content: '';
    position: absolute;
    top: 0; right: 0;
    width: 400px; height: 400px;
    background: radial-gradient(circle, rgba(201,169,110,0.06) 0%, transparent 60%);
    pointer-events: none;
}

.section-header { text-align: center; max-width: 600px; margin: 0 auto 3.5rem; }
.section-tag {
    display: inline-block;
    font-size: 0.6875rem;
    font-weight: 600;
    color: var(--copper);
    text-transform: uppercase;
    letter-spacing: 0.15em;
    margin-bottom: 0.75rem;
}
.section-header h2 { font-size: 2rem; color: var(--charcoal); margin-bottom: 0.75rem; }
.section-header p { font-size: 0.9375rem; color: var(--stone-600); line-height: 1.7; }
.section-charcoal .section-header h2 { color: var(--white); }
.section-charcoal .section-header p { color: rgba(255,255,255,0.55); }

/* ===== Services ===== */
.services-grid { display: grid; gap: 1.25rem; }
@media (min-width: 640px) { .services-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .services-grid { grid-template-columns: repeat(3, 1fr); } }

.service-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 1.75rem;
    border: 1px solid var(--stone-100);
    transition: all 0.35s ease;
    display: block;
    position: relative;
    overflow: hidden;
}
.service-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 3px; height: 0;
    background: linear-gradient(180deg, var(--champagne), var(--copper));
    transition: height 0.4s ease;
}
.service-card:hover::before { height: 100%; }
.service-card:hover {
    box-shadow: var(--shadow-lg);
    border-color: var(--stone-200);
    transform: translateY(-3px);
}
.service-icon {
    width: 44px; height: 44px;
    background: var(--champagne-pale);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--copper);
    margin-bottom: 1.1rem;
    transition: all 0.35s;
    font-size: 1.1rem;
}
.service-card:hover .service-icon { background: var(--charcoal); color: var(--champagne); }
.service-card h3 {
    font-family: 'Inter', sans-serif;
    font-size: 1rem;
    font-weight: 600;
    color: var(--charcoal);
    margin-bottom: 0.5rem;
}
.service-card p { font-size: 0.78rem; color: var(--stone-600); line-height: 1.6; margin-bottom: 1.1rem; }
.service-meta { padding-top: 0.875rem; border-top: 1px solid var(--stone-100); display: flex; flex-direction: column; gap: 0.3rem; }
.service-meta-row { display: flex; justify-content: space-between; align-items: center; }
.service-meta-label { font-size: 0.5625rem; font-weight: 600; color: var(--stone-400); text-transform: uppercase; letter-spacing: 0.1em; }
.service-meta-value { font-size: 0.75rem; font-weight: 600; color: var(--charcoal); }

/* ===== Why Choose ===== */
.why-grid { display: grid; gap: 1.25rem; }
@media (min-width: 640px) { .why-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .why-grid { grid-template-columns: repeat(3, 1fr); } }

.why-card {
    padding: 1.75rem;
    border-radius: var(--radius-lg);
    border: 1px solid var(--stone-100);
    background: var(--white);
    transition: all 0.35s;
}
.why-card:hover { background: var(--cream); box-shadow: var(--shadow); border-color: var(--champagne); border-color: rgba(201,169,110,0.3); }
.why-icon {
    width: 40px; height: 40px;
    background: var(--charcoal);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--champagne);
    margin-bottom: 1.1rem;
    font-size: 1rem;
}
.why-card h3 { font-family: 'Inter', sans-serif; font-size: 0.9375rem; font-weight: 600; color: var(--charcoal); margin-bottom: 0.4rem; }
.why-card p { font-size: 0.78rem; color: var(--stone-600); line-height: 1.6; }

/* ===== How It Works ===== */
.how-grid { display: grid; gap: 1.25rem; position: relative; z-index: 1; }
@media (min-width: 640px) { .how-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .how-grid { grid-template-columns: repeat(4, 1fr); } }

.how-card {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: var(--radius-lg);
    padding: 1.75rem;
    transition: all 0.35s;
}
.how-card:hover { background: rgba(255,255,255,0.07); border-color: rgba(201,169,110,0.2); }
.how-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 1.1rem; }
.how-icon {
    width: 40px; height: 40px;
    background: var(--champagne);
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--charcoal-dark);
}
.how-num {
    font-family: 'Playfair Display', serif;
    font-size: 2.25rem;
    font-weight: 600;
    color: rgba(255,255,255,0.06);
    line-height: 1;
}
.how-card h3 { font-family: 'Inter', sans-serif; font-size: 1rem; font-weight: 600; color: var(--white); margin-bottom: 0.4rem; }
.how-card p { font-size: 0.78rem; color: rgba(255,255,255,0.5); line-height: 1.6; }

/* ===== Testimonials ===== */
.testi-grid { display: grid; gap: 1.25rem; }
@media (min-width: 640px) { .testi-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .testi-grid { grid-template-columns: repeat(3, 1fr); } }

.testi-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 1.75rem;
    border: 1px solid var(--stone-100);
    transition: all 0.3s;
    position: relative;
}
.testi-card:hover { box-shadow: var(--shadow-lg); }
.testi-card::after {
    content: '';
    position: absolute;
    bottom: 0; left: 1.75rem; right: 1.75rem;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--champagne), transparent);
    opacity: 0;
    transition: opacity 0.3s;
}
.testi-card:hover::after { opacity: 1; }
.testi-stars { display: flex; gap: 0.2rem; margin-bottom: 0.875rem; color: var(--champagne); }
.testi-text { font-size: 0.78rem; color: var(--stone-700); line-height: 1.7; margin-bottom: 1.1rem; font-style: italic; }
.testi-author { padding-top: 0.875rem; border-top: 1px solid var(--stone-100); }
.testi-author strong { font-family: 'Inter', sans-serif; color: var(--charcoal); font-size: 0.8125rem; }
.testi-author > div { display: flex; justify-content: space-between; margin-top: 0.2rem; }
.testi-role { font-size: 0.625rem; color: var(--copper); font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; }
.testi-loc { font-size: 0.625rem; color: var(--stone-400); }

/* ===== CTA ===== */
.cta-wrap { padding: 0 1.5rem; }
@media (min-width: 1024px) { .cta-wrap { padding: 0 3rem; } }
.cta-box {
    position: relative;
    background: var(--charcoal);
    border-radius: 1.25rem;
    padding: 2.5rem 1.75rem;
    overflow: hidden;
}
.cta-box::before {
    content: '';
    position: absolute;
    top: -30%; right: -15%;
    width: 350px; height: 350px;
    background: radial-gradient(circle, rgba(201,169,110,0.08) 0%, transparent 60%);
    pointer-events: none;
}
.cta-grid { position: relative; z-index: 1; display: grid; gap: 2.5rem; align-items: center; }
.cta-content h2 { font-size: 1.875rem; color: var(--white); margin-bottom: 1rem; }
.cta-content p { color: rgba(255,255,255,0.55); margin-bottom: 1.75rem; max-width: 420px; line-height: 1.7; font-size: 0.875rem; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 1rem; }
.cta-info { background: rgba(255,255,255,0.03); border: 1px solid rgba(255,255,255,0.08); border-radius: var(--radius-lg); padding: 1.75rem; }
.cta-info h3 { font-family: 'Inter', sans-serif; font-size: 0.875rem; font-weight: 600; color: var(--champagne); margin-bottom: 1.1rem; text-transform: uppercase; letter-spacing: 0.08em; }
.cta-item { display: flex; align-items: flex-start; gap: 0.75rem; margin-bottom: 0.875rem; }
.cta-item:last-child { margin-bottom: 0; }
.cta-item-icon { width: 32px; height: 32px; background: rgba(201,169,110,0.15); border-radius: 8px; display: flex; align-items: center; justify-content: center; color: var(--champagne); flex-shrink: 0; }
.cta-item-label { font-size: 0.5625rem; color: rgba(255,255,255,0.35); text-transform: uppercase; letter-spacing: 0.08em; }
.cta-item a, .cta-item p { font-size: 0.78rem; color: rgba(255,255,255,0.85); font-weight: 500; }
.cta-item a:hover { color: var(--champagne); }

@media (min-width: 1024px) { .cta-box { padding: 3.5rem; } .cta-grid { grid-template-columns: 1fr 1fr; } .cta-content h2 { font-size: 2.25rem; } }

/* ===== Legal Banner ===== */
.legal-banner { background: var(--champagne-pale); border-top: 1px solid rgba(201,169,110,0.15); border-bottom: 1px solid rgba(201,169,110,0.15); padding: 1.25rem 0; }
.legal-inner { display: flex; flex-direction: column; gap: 0.75rem; }
.legal-label { display: flex; align-items: center; gap: 0.5rem; color: var(--copper); font-size: 0.6875rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; flex-shrink: 0; }
.legal-label svg { color: var(--champagne); }
.legal-text { display: flex; align-items: flex-start; gap: 0.5rem; }
.legal-text svg { color: var(--champagne); margin-top: 0.125rem; flex-shrink: 0; width: 14px; height: 14px; }
.legal-text p { font-size: 0.6875rem; color: var(--stone-600); line-height: 1.65; }
.legal-text a { color: var(--copper); text-decoration: underline; }
@media (min-width: 1024px) { .legal-inner { flex-direction: row; align-items: flex-start; gap: 1.5rem; } }

/* ===== Footer ===== */
.footer { background: var(--charcoal-dark); color: var(--white); padding: 3.5rem 0 0; }
.footer-grid { display: grid; gap: 2.25rem; margin-bottom: 2.5rem; }
@media (min-width: 640px) { .footer-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; } }

.footer-brand img { height: 52px; background: var(--white); border-radius: 6px; padding: 3px; }
.footer-brand p { font-size: 0.78rem; color: rgba(255,255,255,0.4); line-height: 1.7; margin-top: 1rem; max-width: 260px; }
.footer-reg { display: flex; align-items: center; gap: 0.5rem; font-size: 0.625rem; color: rgba(255,255,255,0.3); margin-top: 0.75rem; }
.footer-col h4 { font-family: 'Inter', sans-serif; font-size: 0.75rem; font-weight: 600; color: var(--champagne); margin-bottom: 1.1rem; text-transform: uppercase; letter-spacing: 0.1em; }
.footer-item { display: flex; align-items: flex-start; gap: 0.5rem; margin-bottom: 0.625rem; }
.footer-item svg { color: var(--champagne); flex-shrink: 0; margin-top: 0.125rem; width: 14px; height: 14px; }
.footer-item p, .footer-item a { font-size: 0.75rem; color: rgba(255,255,255,0.45); line-height: 1.6; }
.footer-item a:hover { color: var(--white); }
.footer-link { display: block; font-size: 0.75rem; color: rgba(255,255,255,0.4); margin-bottom: 0.5rem; transition: color 0.3s; }
.footer-link:hover { color: var(--champagne); }

.footer-bottom { border-top: 1px solid rgba(255,255,255,0.05); padding: 1.25rem 0; display: flex; flex-direction: column; gap: 0.4rem; }
@media (min-width: 768px) { .footer-bottom { flex-direction: row; justify-content: space-between; align-items: center; } }
.footer-bottom p { font-size: 0.625rem; color: rgba(255,255,255,0.25); }

/* ========================================
   FORM PAGE (apply.html)
   ======================================== */
.page-form { min-height: 100vh; display: flex; flex-direction: column; background: var(--cream); }
.page-form main { flex: 1; padding-top: 110px; padding-bottom: 3rem; }

.form-head { text-align: center; margin-bottom: 2.5rem; }
.back-link { display: inline-flex; align-items: center; gap: 0.5rem; font-size: 0.78rem; color: var(--stone-400); margin-bottom: 1.25rem; transition: color 0.3s; }
.back-link:hover { color: var(--charcoal); }
.form-head h1 { font-size: 1.875rem; color: var(--charcoal); margin-bottom: 0.5rem; }
.form-head p { color: var(--stone-600); font-size: 0.875rem; }

.form-card { max-width: 640px; margin: 0 auto; background: var(--white); border-radius: var(--radius-lg); padding: 2.25rem; box-shadow: var(--shadow); border: 1px solid var(--stone-100); }
@media (max-width: 640px) { .form-card { padding: 1.25rem; } }

.alert { display: flex; align-items: flex-start; gap: 0.625rem; padding: 0.875rem 1rem; border-radius: var(--radius); margin-bottom: 1.25rem; font-size: 0.78rem; }
.alert-error { background: #fdf2f2; border: 1px solid #fecaca; color: #991b1b; }
.alert-error svg { flex-shrink: 0; margin-top: 0.125rem; }
.alert-success { background: #f0fdf4; border: 1px solid #bbf7d0; color: #166534; }

.form-row { display: grid; gap: 1.1rem; margin-bottom: 1.1rem; }
@media (min-width: 640px) { .form-row { grid-template-columns: 1fr 1fr; } }

.form-field { margin-bottom: 0.15rem; }
.form-field label { display: block; font-size: 0.625rem; font-weight: 700; color: var(--stone-600); margin-bottom: 0.4rem; text-transform: uppercase; letter-spacing: 0.06em; }
.form-field label .req { color: var(--red); }

.input-wrap { position: relative; }
.input-wrap svg { position: absolute; left: 0.75rem; top: 50%; transform: translateY(-50%); color: var(--stone-400); width: 15px; height: 15px; pointer-events: none; }
.input-wrap input, .input-wrap select, textarea {
    width: 100%; padding: 0.625rem 0.875rem; border: 1px solid var(--stone-200); border-radius: var(--radius);
    font-size: 0.8125rem; font-family: inherit; color: var(--stone-800); background: var(--white); transition: all 0.2s;
}
.input-wrap input:focus, .input-wrap select:focus, textarea:focus { outline: none; border-color: var(--champagne); box-shadow: 0 0 0 3px rgba(201,169,110,0.1); }
.input-wrap input.error, .input-wrap select.error { border-color: #fca5a5; background: #fef2f2; }
.input-wrap input { padding-left: 2.1rem; }
.input-wrap select { padding-left: 2.1rem; appearance: none; cursor: pointer; }
textarea { resize: vertical; min-height: 80px; padding: 0.625rem 0.875rem; }

.err-msg { font-size: 0.6875rem; color: var(--red); margin-top: 0.3rem; display: none; }
.err-msg.show { display: block; }

.privacy-field { display: flex; align-items: flex-start; gap: 0.625rem; margin: 1.25rem 0 0.15rem; cursor: pointer; }
.privacy-field input { width: 1rem; height: 1rem; border: 1px solid var(--stone-300); border-radius: 4px; accent-color: var(--charcoal); margin-top: 0.125rem; flex-shrink: 0; cursor: pointer; }
.privacy-field span { font-size: 0.75rem; color: var(--stone-600); line-height: 1.6; }
.privacy-field a { color: var(--copper); text-decoration: underline; }
.privacy-field a:hover { text-decoration: none; }

.btn-send { width: 100%; display: flex; align-items: center; justify-content: center; gap: 0.5rem; background: var(--charcoal); color: var(--white); padding: 0.875rem; border: none; border-radius: var(--radius); font-size: 0.875rem; font-weight: 600; font-family: inherit; cursor: pointer; transition: all 0.3s; box-shadow: var(--shadow); margin-top: 1.25rem; }
.btn-send:hover:not(:disabled) { background: var(--charcoal-light); }
.btn-send:disabled { opacity: 0.5; cursor: not-allowed; }
.spinner { width: 15px; height: 15px; border: 2px solid rgba(255,255,255,0.25); border-top-color: var(--white); border-radius: 50%; animation: spin 0.7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.form-note { text-align: center; font-size: 0.625rem; color: var(--stone-400); margin-top: 0.875rem; }

/* ========================================
   THANK YOU PAGE
   ======================================== */
.page-thanks { min-height: 100vh; display: flex; flex-direction: column; background: var(--cream); }
.page-thanks main { flex: 1; display: flex; align-items: center; justify-content: center; padding-top: 110px; padding-bottom: 3rem; }

.thanks-card { max-width: 520px; margin: 0 auto; background: var(--white); border-radius: var(--radius-lg); padding: 2.5rem 1.75rem; box-shadow: var(--shadow); border: 1px solid var(--stone-100); text-align: center; }
.thanks-icon { width: 64px; height: 64px; background: var(--champagne-pale); border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 1.1rem; color: var(--green); }
.thanks-card h1 { font-size: 1.5rem; color: var(--charcoal); margin-bottom: 0.625rem; }
.thanks-card > p { color: var(--stone-600); font-size: 0.875rem; margin-bottom: 1.75rem; line-height: 1.7; }

.next-box { background: var(--cream); border-radius: var(--radius); padding: 1.25rem; text-align: left; margin-bottom: 1.25rem; }
.next-box h3 { display: flex; align-items: center; gap: 0.5rem; font-family: 'Inter', sans-serif; font-size: 0.875rem; color: var(--charcoal); margin-bottom: 0.875rem; font-weight: 600; }
.next-box h3 svg { color: var(--champagne); }
.next-step { display: flex; align-items: flex-start; gap: 0.625rem; margin-bottom: 0.5rem; }
.next-step:last-child { margin-bottom: 0; }
.next-num { width: 20px; height: 20px; background: var(--charcoal); color: var(--white); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 0.625rem; font-weight: 700; flex-shrink: 0; }
.next-step p { font-size: 0.78rem; color: var(--stone-600); padding-top: 0.125rem; }

.help-box { background: var(--cream); border-radius: var(--radius); padding: 1.25rem; text-align: left; margin-bottom: 1.25rem; }
.help-box h3 { display: flex; align-items: center; gap: 0.5rem; font-family: 'Inter', sans-serif; font-size: 0.875rem; color: var(--charcoal); margin-bottom: 0.875rem; font-weight: 600; }
.help-box h3 svg { color: var(--champagne); }
.help-row { display: flex; align-items: center; gap: 0.5rem; font-size: 0.78rem; color: var(--stone-600); margin-bottom: 0.4rem; }
.help-row svg { color: var(--stone-400); flex-shrink: 0; width: 14px; height: 14px; }
.help-row a { color: var(--copper); font-weight: 600; }
.help-row a:hover { text-decoration: underline; }

.thanks-actions { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; }

/* ========================================
   LEGAL PAGES
   ======================================== */
.page-legal { min-height: 100vh; display: flex; flex-direction: column; background: var(--cream); }
.page-legal main { flex: 1; padding-top: 110px; padding-bottom: 3rem; }
.legal-nav { margin-bottom: 1.75rem; }

.legal-card { max-width: 800px; margin: 0 auto; background: var(--white); border-radius: var(--radius-lg); padding: 2.25rem; box-shadow: var(--shadow); border: 1px solid var(--stone-100); }
@media (max-width: 640px) { .legal-card { padding: 1.25rem; } }

.legal-card-title { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 1.1rem; padding-bottom: 1.1rem; border-bottom: 1px solid var(--stone-100); }
.legal-card-title-icon { width: 36px; height: 36px; background: var(--champagne-pale); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; color: var(--copper); }
.legal-card-title h1 { font-size: 1.5rem; color: var(--charcoal); }

.legal-date { font-size: 0.6875rem; color: var(--stone-400); margin-bottom: 1.75rem; }

.legal-body h2 { font-family: 'Inter', sans-serif; font-size: 1.05rem; font-weight: 700; color: var(--charcoal); margin-top: 1.75rem; margin-bottom: 0.75rem; }
.legal-body h2:first-child { margin-top: 0; }
.legal-body h3 { font-family: 'Inter', sans-serif; font-size: 0.875rem; font-weight: 600; color: var(--stone-800); margin-top: 1.1rem; margin-bottom: 0.4rem; }
.legal-body p { font-size: 0.78rem; color: var(--stone-600); line-height: 1.8; margin-bottom: 0.625rem; }
.legal-body ul { list-style: disc; padding-left: 1.25rem; margin-bottom: 0.625rem; }
.legal-body ul li { font-size: 0.78rem; color: var(--stone-600); line-height: 1.8; margin-bottom: 0.2rem; }
.legal-body a { color: var(--copper); text-decoration: underline; }
.legal-body a:hover { text-decoration: none; }
.legal-body strong { color: var(--stone-800); }
.legal-body .legal-highlight { background: var(--champagne-pale); border-left: 3px solid var(--champagne); padding: 0.875rem 1.1rem; border-radius: 0 var(--radius) var(--radius) 0; margin: 0.875rem 0; }
.legal-body .legal-highlight p { margin-bottom: 0; font-size: 0.75rem; }

/* ========================================
   LANGUAGE SWITCHER (Floating Dropdown)
   ======================================== */

/* Google Translate hidden container */
#google_translate_element { position: absolute; top: -9999px; left: -9999px; width: 0; height: 0; overflow: hidden; pointer-events: none; }

/* Floating switcher */
.lang-switcher {
    position: fixed;
    bottom: 1.5rem;
    right: 1.5rem;
    z-index: 9999;
    font-family: 'Inter', sans-serif;
}

.lang-switcher-btn {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.625rem 1rem;
    background: var(--charcoal);
    color: var(--white);
    border: none;
    border-radius: var(--radius);
    font-size: 0.8125rem;
    font-weight: 600;
    cursor: pointer;
    box-shadow: 0 4px 16px rgba(28,28,40,0.25);
    transition: all 0.3s ease;
    letter-spacing: 0.02em;
}
.lang-switcher-btn:hover { background: var(--charcoal-light); box-shadow: 0 6px 24px rgba(28,28,40,0.35); }
.lang-switcher-btn.open .lang-arrow { transform: rotate(180deg); }

.lang-switcher-btn .lang-flag { font-size: 1.1rem; line-height: 1; }
.lang-switcher-btn .lang-label { font-size: 0.6875rem; }
.lang-switcher-btn .lang-arrow { transition: transform 0.3s ease; color: var(--champagne); }

.lang-switcher-dropdown {
    position: absolute;
    bottom: calc(100% + 0.5rem);
    right: 0;
    background: var(--white);
    border: 1px solid var(--stone-100);
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    padding: 0.375rem;
    min-width: 180px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: all 0.25s ease;
}
.lang-switcher-dropdown.open {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.lang-switcher-option {
    display: flex;
    align-items: center;
    gap: 0.625rem;
    width: 100%;
    padding: 0.625rem 0.75rem;
    border: none;
    border-radius: calc(var(--radius) - 2px);
    background: none;
    color: var(--stone-800);
    font-size: 0.8125rem;
    font-family: inherit;
    cursor: pointer;
    transition: all 0.2s ease;
    text-align: left;
}
.lang-switcher-option:hover { background: var(--cream); }
.lang-switcher-option.active { background: var(--champagne-pale); color: var(--charcoal); font-weight: 600; }
.lang-switcher-option .lang-flag { font-size: 1.15rem; line-height: 1; flex-shrink: 0; }
.lang-switcher-option .lang-name { flex: 1; }
.lang-switcher-option .lang-code { font-size: 0.6875rem; color: var(--stone-400); font-weight: 500; }
.lang-switcher-option.active .lang-code { color: var(--copper); }

/* Position adjust on mobile */
@media (max-width: 640px) {
    .lang-switcher { bottom: 1rem; right: 1rem; }
    .lang-switcher-dropdown { min-width: 160px; }
}

/* Print */
@media print { .header, .footer, .legal-banner, .cta-box, .hero, .lang-switcher { display: none; } .page-legal main { padding-top: 2rem; } .legal-card { box-shadow: none; border: none; } }

/* ── Representative Example (Google Ads / FCA compliance) ────────────────── */
.rep-example {
    background: var(--cream);
    border: 1px solid var(--stone-100);
    border-left: 4px solid var(--copper);
    border-radius: var(--radius);
    padding: 1.125rem 1.5rem;
    margin-bottom: 1.75rem;
}
.rep-example-label {
    display: flex;
    align-items: center;
    gap: 0.4rem;
    font-size: 0.6875rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.07em;
    color: var(--copper);
    margin-bottom: 0.5rem;
}
.rep-example p { font-size: 0.8125rem; color: var(--stone-700); line-height: 1.65; margin: 0; }

/* ── Property / Mortgage Warning (FCA CONC) ──────────────────────────────── */
.prop-warning {
    background: #fffbea;
    border: 1px solid #f0d060;
    border-radius: var(--radius);
    padding: 0.875rem 1.125rem;
    margin-top: 1rem;
    font-size: 0.75rem;
    color: var(--stone-700);
    line-height: 1.6;
}
.prop-warning strong { display: block; color: var(--charcoal); margin-bottom: 0.25rem; }

/* ── Cookie Consent Banner (PECR) ────────────────────────────────────────── */
#cookie-banner {
    position: fixed;
    bottom: 0; left: 0; right: 0;
    z-index: 99999;
    background: var(--charcoal);
    color: #e8e6e0;
    padding: 1rem 2rem;
    display: flex;
    align-items: center;
    gap: 1.5rem;
    box-shadow: 0 -4px 24px rgba(0,0,0,0.18);
    font-size: 0.8125rem;
    line-height: 1.5;
}
#cookie-banner p { margin: 0; flex: 1; }
#cookie-banner a { color: var(--champagne); text-decoration: underline; }
.cookie-actions { display: flex; gap: 0.625rem; flex-shrink: 0; }
.cookie-btn-accept {
    background: var(--champagne);
    color: var(--charcoal);
    border: none;
    border-radius: var(--radius);
    padding: 0.5rem 1.25rem;
    font-size: 0.8125rem;
    font-weight: 700;
    cursor: pointer;
    white-space: nowrap;
    transition: opacity 0.2s;
}
.cookie-btn-accept:hover { opacity: 0.88; }
.cookie-btn-decline {
    background: transparent;
    color: #a0998e;
    border: 1px solid #5a5650;
    border-radius: var(--radius);
    padding: 0.5rem 1.25rem;
    font-size: 0.8125rem;
    font-weight: 500;
    cursor: pointer;
    white-space: nowrap;
}
.cookie-btn-decline:hover { border-color: #8a8278; color: #c0b8b0; }
@media (max-width: 640px) {
    #cookie-banner { flex-direction: column; align-items: flex-start; padding: 1rem 1.25rem; gap: 0.875rem; }
    .cookie-actions { width: 100%; }
    .cookie-btn-accept, .cookie-btn-decline { flex: 1; text-align: center; }
}