/* =====================================================================
   festgeld-in.com – Haupt-Stylesheet
   Farbschema: Dunkles Petrol/Navy + Teal-Grün-Verlauf (Fintech-Stil)
   ===================================================================== */

:root {
  --c-dark: #0f2233;
  --c-dark-2: #16303f;
  --c-navy: #1b2a4a;
  --c-teal: #16c79a;
  --c-green: #4ade80;
  --c-teal-dark: #0e9f7a;
  --grad: linear-gradient(135deg, #16c79a 0%, #4ade80 100%);
  --grad-dark: linear-gradient(135deg, #0f2233 0%, #16303f 60%, #14532d 130%);
  --c-bg: #f4f7f6;
  --c-card: #ffffff;
  --c-text: #24343f;
  --c-muted: #64748b;
  --c-border: #e2e8f0;
  --c-danger: #dc2626;
  --c-warn: #f59e0b;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow: 0 4px 24px rgba(15, 34, 51, 0.08);
  --shadow-lg: 0 12px 40px rgba(15, 34, 51, 0.14);
  --font: 'Plus Jakarta Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--c-text); background: var(--c-bg); line-height: 1.65; font-size: 16px; }
img { max-width: 100%; height: auto; }
a { color: var(--c-teal-dark); text-decoration: none; transition: color .2s; }
a:hover { color: var(--c-teal); }
ul { list-style: none; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.skip-link { position: absolute; left: -9999px; }
.skip-link:focus { left: 8px; top: 8px; background: #fff; padding: 8px 16px; z-index: 999; border-radius: 8px; }

/* ------------------------------ Buttons ----------------------------- */
.btn { display: inline-block; padding: 13px 28px; border-radius: 999px; font-weight: 700; font-size: 15px; cursor: pointer; border: none; text-align: center; transition: transform .15s, box-shadow .2s, background .2s; font-family: var(--font); }
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--grad); color: var(--c-dark); box-shadow: 0 6px 18px rgba(22, 199, 154, .35); }
.btn-primary:hover { color: var(--c-dark); box-shadow: 0 10px 24px rgba(22, 199, 154, .45); }
.btn-outline { background: transparent; color: var(--c-teal-dark); border: 2px solid var(--c-teal); }
.btn-outline:hover { background: var(--c-teal); color: #fff; }
.btn-dark { background: var(--c-dark); color: #fff; }
.btn-dark:hover { background: var(--c-dark-2); color: #fff; }
.btn-ghost { background: #eef2f7; color: var(--c-muted); }
.btn-sm { padding: 9px 20px; font-size: 14px; }
.btn-lg { padding: 16px 38px; font-size: 17px; }
.btn:disabled { opacity: .5; cursor: not-allowed; transform: none; }

/* ------------------------------ Topbar ------------------------------ */
.topbar { background: var(--c-dark); color: #cbd5e1; font-size: 13px; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; padding: 7px 20px; flex-wrap: wrap; gap: 6px; }
.topbar a { color: #cbd5e1; }
.topbar a:hover { color: var(--c-green); }
.topbar-item { margin-right: 18px; }

/* ------------------------------ Header ------------------------------ */
.site-header { background: #fff; box-shadow: 0 2px 12px rgba(15, 34, 51, .06); position: sticky; top: 0; z-index: 100; }
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: 0px 0px; gap: 0px; }
.brand-logo { height: 90px; width: auto; display: block; }
.main-nav ul { display: flex; align-items: center; gap: 6px; }
.main-nav a { display: block; padding: 10px 14px; font-weight: 600; color: var(--c-navy); border-radius: 8px; font-size: 15px; }
.main-nav a:hover { background: #f0fdf9; color: var(--c-teal-dark); }
.main-nav a.active { color: var(--c-teal-dark); background: #ecfdf5; }
.nav-cta a.btn { color: var(--c-dark); }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 26px; height: 3px; background: var(--c-navy); margin: 5px 0; border-radius: 2px; transition: .3s; }

/* ------------------------------- Hero ------------------------------- */
.hero { background: var(--grad-dark); color: #fff; padding: 84px 0 96px; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; right: -120px; top: -120px; width: 480px; height: 480px; background: radial-gradient(circle, rgba(22,199,154,.25), transparent 65%); }
.hero::after { content: ''; position: absolute; left: -140px; bottom: -180px; width: 420px; height: 420px; background: radial-gradient(circle, rgba(74,222,128,.15), transparent 65%); }
.hero-inner { position: relative; z-index: 2; display: grid; grid-template-columns: 1.2fr .8fr; gap: 48px; align-items: center; }
.hero h1 { font-size: 44px; line-height: 1.15; font-weight: 800; margin-bottom: 18px; }
.hero h1 .accent { background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero p.lead { font-size: 18px; color: #cbd5e1; margin-bottom: 30px; max-width: 560px; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 34px; }
.hero-badge { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.14); padding: 9px 18px; border-radius: 999px; font-size: 13.5px; color: #e2e8f0; backdrop-filter: blur(4px); }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* Hero Quick-Rechner Karte */
.hero-card { background: #fff; border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-lg); color: var(--c-text); }
.hero-card h2 { font-size: 19px; color: var(--c-navy); margin-bottom: 18px; }

/* ------------------------- Formular-Elemente ------------------------ */
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-weight: 600; font-size: 14px; margin-bottom: 6px; color: var(--c-navy); }
input[type=text], input[type=email], input[type=tel], input[type=number], input[type=url], select, textarea {
  width: 100%; padding: 12px 16px; border: 1.5px solid var(--c-border); border-radius: var(--radius-sm);
  font-family: var(--font); font-size: 15px; color: var(--c-text); background: #fff; transition: border .2s, box-shadow .2s;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--c-teal); box-shadow: 0 0 0 3px rgba(22,199,154,.15); }
textarea { min-height: 130px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-check { display: flex; align-items: flex-start; gap: 10px; font-size: 14px; color: var(--c-muted); }
.form-check input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--c-teal); flex-shrink: 0; }
.hp-field { position: absolute; left: -9999px; opacity: 0; height: 0; overflow: hidden; }

/* ---------------------------- Abschnitte ---------------------------- */
.section { padding: 72px 0; }
.section-alt { background: #fff; }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 46px; }
.section-head .kicker { display: inline-block; background: #ecfdf5; color: var(--c-teal-dark); font-size: 13px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: 6px 16px; border-radius: 999px; margin-bottom: 14px; }
.section-head h2 { font-size: 32px; color: var(--c-navy); font-weight: 800; margin-bottom: 12px; }
.section-head p { color: var(--c-muted); font-size: 16.5px; }

/* --------------------------- Feature-Karten ------------------------- */
.features-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.feature-card { background: var(--c-card); border-radius: var(--radius); padding: 28px 24px; box-shadow: var(--shadow); text-align: center; transition: transform .2s, box-shadow .2s; }
.feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.feature-icon { width: 58px; height: 58px; margin: 0 auto 16px; background: var(--grad); border-radius: 16px; display: flex; align-items: center; justify-content: center; font-size: 26px; color: #fff; }
.feature-card h3 { font-size: 17px; color: var(--c-navy); margin-bottom: 8px; }
.feature-card p { font-size: 14.5px; color: var(--c-muted); }

/* --------------------------- Bank-Karten ---------------------------- */
.bank-list { display: flex; flex-direction: column; gap: 20px; }
.bank-card { background: var(--c-card); border-radius: var(--radius); box-shadow: var(--shadow); position: relative; overflow: hidden; transition: box-shadow .2s; }
.bank-card:hover { box-shadow: var(--shadow-lg); }
.bank-card::before { content: ''; position: absolute; left: 0; top: 0; bottom: 0; width: 6px; background: var(--grad); }
.bank-badge { position: absolute; top: 0; left: 15px; transform: translateY(15%); background: #fbbf24; color: #442c02; font-size: 12.5px; font-weight: 700; padding: 5px 16px; border-radius: 999px; box-shadow: 0 2px 8px rgba(0,0,0,.12); z-index: 3; }
.bank-card-main { display: grid; grid-template-columns: auto 1fr auto; gap: 22px; align-items: center; padding: 30px 26px 18px; }
.bank-identity { display: flex; align-items: center; gap: 16px; min-width: 230px; }
.bank-logo { width: 74px; height: 74px; border-radius: 14px; border: 1px solid var(--c-border); background: #fff; object-fit: contain; padding: 8px; flex-shrink: 0; }
.bank-name { font-size: 17.5px; font-weight: 800; color: var(--c-navy); }
.bank-stars { color: #f59e0b; font-size: 14px; letter-spacing: 1px; }
.bank-stars .rating-num { color: var(--c-muted); font-weight: 600; margin-left: 4px; }
.bank-bonus { display: inline-block; margin-top: 6px; background: #d1fae5; color: #065f46; font-size: 12.5px; font-weight: 700; padding: 4px 12px; border-radius: 999px; }
.bank-metrics { display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; }
.metric-box { border: 1.5px solid var(--c-border); border-radius: 14px; padding: 12px 20px; min-width: 120px; text-align: left; background: #fff; }
.metric-box .metric-label { font-size: 11.5px; font-weight: 700; letter-spacing: .05em; color: var(--c-muted); text-transform: uppercase; }
.metric-box .metric-value { font-size: 19px; font-weight: 800; color: var(--c-navy); margin-top: 2px; }
.metric-box.metric-highlight { background: var(--grad); border-color: transparent; }
.metric-box.metric-highlight .metric-label { color: rgba(15,34,51,.65); }
.metric-box.metric-highlight .metric-value { color: var(--c-dark); font-size: 21px; }
.bank-cta { text-align: center; }
.bank-features { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; padding: 6px 26px 24px; }
.bank-feature { background: #f1f5f4; border-radius: 12px; padding: 11px 16px; font-size: 13.5px; color: var(--c-muted); font-weight: 600; display: flex; align-items: center; gap: 8px; }
.bank-feature .fi { color: var(--c-teal-dark); font-size: 15px; }

/* --------------------------- Vergleich-Filter ----------------------- */
.filter-bar { background: var(--c-card); border-radius: var(--radius); box-shadow: var(--shadow); padding: 22px 24px; margin-bottom: 30px; display: grid; grid-template-columns: repeat(4, 1fr) auto; gap: 14px; align-items: end; }
.filter-bar .form-group { margin-bottom: 0; }

/* ------------------------------ Tabellen ---------------------------- */
.table-wrap { overflow-x: auto; background: var(--c-card); border-radius: var(--radius); box-shadow: var(--shadow); }
table.data-table { width: 100%; border-collapse: collapse; font-size: 14.5px; min-width: 640px; }
.data-table th { background: var(--c-dark); color: #fff; text-align: left; padding: 14px 18px; font-weight: 700; white-space: nowrap; }
.data-table th:first-child { border-radius: var(--radius) 0 0 0; }
.data-table th:last-child { border-radius: 0 var(--radius) 0 0; }
.data-table td { padding: 13px 18px; border-bottom: 1px solid var(--c-border); }
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:hover td { background: #f8fbfa; }
.rate-strong { color: var(--c-teal-dark); font-weight: 800; }

/* ------------------------------ Modal ------------------------------- */
.modal-overlay { position: fixed; inset: 0; background: rgba(10, 24, 36, .72); backdrop-filter: blur(3px); z-index: 500; display: flex; align-items: center; justify-content: center; padding: 20px; opacity: 0; pointer-events: none; transition: opacity .25s; }
.modal-overlay.open { opacity: 1; pointer-events: auto; }
.modal { background: #fff; border-radius: 20px; width: 100%; max-width: 680px; max-height: 92vh; overflow-y: auto; box-shadow: 0 24px 80px rgba(0,0,0,.35); transform: translateY(16px); transition: transform .25s; }
.modal-overlay.open .modal { transform: translateY(0); }
.modal-header { display: flex; justify-content: space-between; align-items: center; padding: 20px 28px; border-bottom: 1px solid var(--c-border); }
.modal-header h2 { font-size: 19px; color: var(--c-navy); }
.modal-close { background: #f1f5f9; border: none; width: 36px; height: 36px; border-radius: 50%; font-size: 17px; cursor: pointer; color: var(--c-muted); transition: background .2s; }
.modal-close:hover { background: #e2e8f0; }
.modal-body { padding: 26px 28px; }
.modal-footer { display: flex; justify-content: space-between; gap: 12px; padding: 18px 28px; border-top: 1px solid var(--c-border); }
.modal-footer .right { display: flex; gap: 10px; margin-left: auto; }

/* Modal Schritte (Stepper) */
.stepper { display: flex; align-items: center; gap: 8px; margin-bottom: 26px; flex-wrap: wrap; }
.step { display: flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 700; color: #94a3b8; }
.step .step-num { width: 26px; height: 26px; border-radius: 50%; background: #e2e8f0; color: #64748b; display: flex; align-items: center; justify-content: center; font-size: 13px; }
.step.active { color: var(--c-teal-dark); }
.step.active .step-num { background: var(--c-teal); color: #fff; }
.step.done .step-num { background: var(--c-teal-dark); color: #fff; }
.step-divider { flex: 1; height: 2px; background: #e2e8f0; min-width: 16px; }
.modal-question { font-size: 23px; font-weight: 800; color: var(--c-navy); margin-bottom: 8px; }
.modal-hint { color: var(--c-muted); font-size: 14.5px; margin-bottom: 22px; }
.option-list { display: flex; flex-direction: column; gap: 12px; }
.option-btn { display: block; width: 100%; padding: 16px; border-radius: 14px; border: none; background: var(--grad); background-color: #14b48c; color: #fff; font-size: 16px; font-weight: 700; cursor: pointer; transition: filter .15s, transform .15s; font-family: var(--font); }
.option-btn:hover { filter: brightness(1.06); transform: translateY(-1px); }
.option-btn.selected { background: #047857; box-shadow: inset 0 0 0 3px rgba(255,255,255,.35); }

/* ----------------------------- Zinsrechner -------------------------- */
.calc-layout { display: grid; grid-template-columns: 420px 1fr; gap: 30px; align-items: start; }
.calc-card { background: var(--c-card); border-radius: var(--radius); box-shadow: var(--shadow); padding: 28px; }
.calc-card h2 { font-size: 20px; color: var(--c-navy); margin-bottom: 20px; }
.calc-result { background: var(--grad-dark); color: #fff; border-radius: var(--radius); padding: 28px; margin-top: 22px; }
.calc-result h3 { font-size: 15px; font-weight: 600; color: #94e8d0; text-transform: uppercase; letter-spacing: .05em; }
.calc-result .big { font-size: 38px; font-weight: 800; margin: 6px 0 2px; background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.calc-result-row { display: flex; justify-content: space-between; padding: 9px 0; border-bottom: 1px solid rgba(255,255,255,.12); font-size: 14.5px; }
.calc-result-row:last-child { border-bottom: none; }
.calc-result-row .val { font-weight: 700; }

/* ----------------------------- Ratgeber ----------------------------- */
.articles-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.article-card { background: var(--c-card); border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; display: flex; flex-direction: column; transition: transform .2s, box-shadow .2s; }
.article-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.article-thumb { height: 150px; background: var(--grad-dark); display: flex; align-items: center; justify-content: center; position: relative; }
.article-thumb .thumb-icon { font-size: 44px; }
.article-cat { position: absolute; top: 14px; left: 14px; background: rgba(255,255,255,.92); color: var(--c-teal-dark); font-size: 12px; font-weight: 700; padding: 4px 12px; border-radius: 999px; }
.article-body { padding: 22px; display: flex; flex-direction: column; flex: 1; }
.article-body h3 { font-size: 17px; color: var(--c-navy); margin-bottom: 10px; line-height: 1.4; }
.article-body h3 a { color: inherit; }
.article-body h3 a:hover { color: var(--c-teal-dark); }
.article-body p { font-size: 14px; color: var(--c-muted); flex: 1; }
.article-meta { display: flex; justify-content: space-between; margin-top: 16px; font-size: 12.5px; color: #94a3b8; }

/* Artikel-Detail */
.article-content { background: var(--c-card); border-radius: var(--radius); box-shadow: var(--shadow); padding: 44px 48px; max-width: 860px; margin: 0 auto; }
.article-content h1 { font-size: 32px; color: var(--c-navy); line-height: 1.25; margin-bottom: 14px; }
.article-content h2 { font-size: 24px; color: var(--c-navy); margin: 32px 0 14px; }
.article-content h3 { font-size: 19px; color: var(--c-navy); margin: 26px 0 10px; }
.article-content p { margin-bottom: 16px; color: #374151; }
.article-content ul, .article-content ol { margin: 0 0 16px 24px; color: #374151; }
.article-content ul { list-style: disc; }
.article-content ol { list-style: decimal; }
.article-content li { margin-bottom: 6px; }
.article-content table { width: 100%; border-collapse: collapse; margin: 18px 0; font-size: 14.5px; }
.article-content table th { background: var(--c-dark); color: #fff; padding: 10px 14px; text-align: left; }
.article-content table td { padding: 10px 14px; border-bottom: 1px solid var(--c-border); }
.article-content blockquote { border-left: 4px solid var(--c-teal); background: #f0fdf9; padding: 14px 20px; border-radius: 0 10px 10px 0; margin: 18px 0; color: #065f46; }
.article-content .article-info { color: #94a3b8; font-size: 13.5px; margin-bottom: 26px; padding-bottom: 18px; border-bottom: 1px solid var(--c-border); }

/* ----------------------------- Warnliste ---------------------------- */
.scam-card { background: var(--c-card); border-radius: var(--radius); box-shadow: var(--shadow); padding: 24px 28px; border-left: 6px solid var(--c-danger); margin-bottom: 18px; }
.scam-card h3 { color: var(--c-danger); font-size: 18px; margin-bottom: 6px; }
.scam-card h3 a { color: inherit; }
.scam-meta { font-size: 13px; color: #94a3b8; margin-bottom: 10px; }
.scam-url { display: inline-block; background: #fef2f2; color: var(--c-danger); font-family: monospace; font-size: 14px; padding: 4px 12px; border-radius: 8px; margin-bottom: 10px; word-break: break-all; }
.warn-banner { background: #fff7ed; border: 1.5px solid #fdba74; color: #9a3412; border-radius: var(--radius); padding: 18px 24px; margin-bottom: 28px; font-size: 15px; }

/* ------------------------------- FAQ --------------------------------- */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item { background: var(--c-card); border-radius: var(--radius-sm); box-shadow: var(--shadow); margin-bottom: 12px; overflow: hidden; }
.faq-q { width: 100%; text-align: left; background: none; border: none; padding: 18px 22px; font-size: 16px; font-weight: 700; color: var(--c-navy); cursor: pointer; display: flex; justify-content: space-between; align-items: center; font-family: var(--font); }
.faq-q .faq-arrow { transition: transform .25s; color: var(--c-teal-dark); }
.faq-item.open .faq-arrow { transform: rotate(180deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-a-inner { padding: 0 22px 20px; color: var(--c-muted); font-size: 15px; }

/* --------------------------- Statische Seiten ----------------------- */
.page-hero { background: var(--grad-dark); color: #fff; padding: 52px 0; }
.page-hero h1 { font-size: 34px; font-weight: 800; }
.page-hero p { color: #cbd5e1; margin-top: 8px; max-width: 640px; }
.breadcrumbs { font-size: 13px; color: #94e8d0; margin-bottom: 12px; }
.breadcrumbs a { color: #94e8d0; text-decoration: underline; }
.legal-content { background: var(--c-card); border-radius: var(--radius); box-shadow: var(--shadow); padding: 44px 48px; max-width: 900px; margin: 0 auto; }
.legal-content h2 { font-size: 22px; color: var(--c-navy); margin: 30px 0 12px; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content h3 { font-size: 17px; color: var(--c-navy); margin: 22px 0 8px; }
.legal-content p, .legal-content li { color: #374151; font-size: 15px; margin-bottom: 12px; }
.legal-content ul { margin-left: 22px; list-style: disc; }
.legal-content address { font-style: normal; background: #f0fdf9; border-left: 4px solid var(--c-teal); padding: 16px 22px; border-radius: 0 10px 10px 0; margin: 14px 0; }

/* ----------------------------- Danke-Seite -------------------------- */
.thanks-hero { background: var(--grad-dark); color: #fff; min-height: 70vh; display: flex; align-items: center; padding: 70px 0; }
.thanks-box { max-width: 760px; margin: 0 auto; text-align: center; }
.thanks-check { width: 84px; height: 84px; background: var(--grad); border-radius: 24px; display: flex; align-items: center; justify-content: center; font-size: 42px; color: #fff; margin: 0 auto 28px; box-shadow: 0 10px 40px rgba(22,199,154,.4); }
.thanks-box h1 { font-size: 42px; font-weight: 800; margin-bottom: 16px; }
.thanks-box .thanks-sub { color: #cbd5e1; font-size: 17px; margin-bottom: 36px; }
.thanks-steps { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius); padding: 28px 32px; text-align: left; margin-bottom: 36px; }
.thanks-steps h2 { font-size: 19px; margin-bottom: 18px; }
.thanks-step { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 14px; color: #e2e8f0; font-size: 15px; }
.thanks-step .ts-num { background: var(--grad); color: var(--c-dark); width: 26px; height: 26px; border-radius: 8px; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 13px; flex-shrink: 0; }

/* --------------------------- Meldungen/Alerts ----------------------- */
.alert { padding: 15px 22px; border-radius: var(--radius-sm); margin-bottom: 20px; font-size: 15px; font-weight: 600; }
.alert-success { background: #d1fae5; color: #065f46; border: 1px solid #6ee7b7; }
.alert-error { background: #fee2e2; color: #991b1b; border: 1px solid #fca5a5; }
.alert-info { background: #dbeafe; color: #1e40af; border: 1px solid #93c5fd; }

/* ------------------------------ CTA-Band ---------------------------- */
.cta-band { background: var(--grad-dark); border-radius: var(--radius); color: #fff; padding: 44px 48px; display: flex; justify-content: space-between; align-items: center; gap: 26px; flex-wrap: wrap; }
.cta-band h2 { font-size: 26px; font-weight: 800; }
.cta-band p { color: #cbd5e1; margin-top: 6px; }

/* ------------------------------ Footer ------------------------------ */
.site-footer { background: var(--c-dark); color: #94a3b8; padding: 60px 0 24px; margin-top: 70px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr 1.2fr; gap: 34px; margin-bottom: 36px; }
.footer-logo { height: 44px; width: auto; margin-bottom: 14px; background: #fff; border-radius: 10px; padding: 6px 12px; }
.footer-col h3 { color: #fff; font-size: 15px; margin-bottom: 14px; text-transform: uppercase; letter-spacing: .04em; }
.footer-col ul li { margin-bottom: 9px; font-size: 14px; }
.footer-col a { color: #94a3b8; }
.footer-col a:hover { color: var(--c-green); }
.footer-about p { font-size: 13.5px; margin-bottom: 16px; }
.newsletter-label { font-size: 13px; font-weight: 600; color: #cbd5e1; display: block; margin-bottom: 8px; }
.newsletter-row { display: flex; gap: 8px; }
.newsletter-row input { flex: 1; padding: 10px 14px; border-radius: 999px; border: 1px solid rgba(255,255,255,.15); background: rgba(255,255,255,.07); color: #fff; font-size: 13.5px; }
.newsletter-row input::placeholder { color: #64748b; }
.footer-contact li { display: flex; gap: 8px; align-items: flex-start; }
.footer-note { border-top: 1px solid rgba(255,255,255,.08); padding-top: 22px; font-size: 12.5px; color: #64748b; }
.footer-bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; margin-top: 18px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.08); font-size: 13px; }
.footer-bottom a { color: #94a3b8; }

/* --------------------------- Cookie-Banner -------------------------- */
.cookie-banner { position: fixed; bottom: 20px; left: 20px; right: 20px; z-index: 400; display: flex; justify-content: center; }
.cookie-inner { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-lg); padding: 18px 26px; display: flex; align-items: center; gap: 20px; max-width: 860px; font-size: 13.5px; color: var(--c-muted); }

/* ----------------------------- Pagination --------------------------- */
.pagination { display: flex; gap: 8px; justify-content: center; margin-top: 36px; }
.pagination a, .pagination span { padding: 9px 16px; border-radius: 10px; background: #fff; box-shadow: var(--shadow); font-weight: 700; font-size: 14px; color: var(--c-navy); }
.pagination .current { background: var(--grad); color: var(--c-dark); }

/* ------------------------------ Trust-Bar --------------------------- */
.trust-bar { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: -46px; position: relative; z-index: 5; }
.trust-item { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); padding: 20px 22px; display: flex; align-items: center; gap: 14px; }
.trust-item .t-icon { font-size: 26px; }
.trust-item .t-text strong { display: block; color: var(--c-navy); font-size: 15px; }
.trust-item .t-text span { font-size: 13px; color: var(--c-muted); }

/* ------------------------------ Responsive -------------------------- */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; }
  .features-grid, .trust-bar { grid-template-columns: repeat(2, 1fr); }
  .articles-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .calc-layout { grid-template-columns: 1fr; }
  .filter-bar { grid-template-columns: repeat(2, 1fr); }
  .bank-card-main { grid-template-columns: 1fr; text-align: center; }
  .bank-identity { justify-content: center; }
  .bank-features { grid-template-columns: 1fr; }
}

@media (max-width: 720px) {
  .hero h1 { font-size: 32px; }
  .section-head h2 { font-size: 26px; }
  .nav-toggle { display: block; }
  .main-nav { display: none; position: absolute; top: 100%; left: 0; right: 0; background: #fff; box-shadow: var(--shadow-lg); padding: 12px 20px 20px; }
  .main-nav.open { display: block; }
  .main-nav ul { flex-direction: column; align-items: stretch; }
  .features-grid, .articles-grid, .trust-bar, .footer-grid, .form-row, .filter-bar { grid-template-columns: 1fr; }
  .article-content, .legal-content { padding: 28px 22px; }
  .cookie-inner { flex-direction: column; text-align: center; }
  .topbar-inner { justify-content: center; }
  .thanks-box h1 { font-size: 30px; }
  .cta-band { padding: 30px 26px; }
}