/* ============================================
   PSF ASSURANCES - DESIGN MARITIME ÉLÉGANT
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;800&family=Nunito+Sans:wght@300;400;600;700;800&display=swap');

:root {
  --navy: #0a2e4d;
  --navy-dark: #071d31;
  --navy-mid: #1a4f72;
  --navy-light: #2470a0;
  --gold: #c09a2f;
  --gold-light: #e8c55a;
  --cream: #f8f5ef;
  --cream-dark: #ede8df;
  --white: #ffffff;
  --gray-text: #4a5568;
  --gray-light: #f0f4f8;
  --border: #dde3ea;
  --success: #1a7a4a;

  --shadow-sm: 0 2px 8px rgba(10,46,77,0.08);
  --shadow-md: 0 6px 24px rgba(10,46,77,0.12);
  --shadow-lg: 0 16px 48px rgba(10,46,77,0.16);
  --shadow-xl: 0 24px 64px rgba(10,46,77,0.22);

  --radius: 8px;
  --radius-lg: 16px;
  --radius-xl: 24px;

  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'Nunito Sans', -apple-system, sans-serif;

  --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

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

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

body {
  font-family: var(--font-body);
  color: var(--navy-dark);
  background: var(--white);
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ── TYPOGRAPHY ── */
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  line-height: 1.2;
  color: var(--navy);
}

h1 { font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); font-weight: 700; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); font-weight: 600; }
h4 { font-size: 1.15rem; font-weight: 700; }

p { margin-bottom: 1rem; color: var(--gray-text); line-height: 1.8; }
p:last-child { margin-bottom: 0; }

/* ── LAYOUT ── */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 80px 0; }
.section-sm { padding: 48px 0; }
.section-lg { padding: 120px 0; }

.section-alt { background: var(--cream); }
.section-navy { background: var(--navy); }

.section-label {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(192,154,47,0.12);
  border: 1px solid rgba(192,154,47,0.3);
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 16px;
}

.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 56px;
}

.section-header h2 { margin-bottom: 16px; }
.section-header p { font-size: 1.1rem; color: var(--gray-text); }

/* ── GRIDS ── */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 6px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy-dark);
  border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(192,154,47,0.35);
}

.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover {
  background: var(--navy-mid);
  border-color: var(--navy-mid);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
}

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
}

.btn-lg {
  padding: 17px 36px;
  font-size: 1.05rem;
}

/* ── HEADER ── */
.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
}

.header.scrolled {
  box-shadow: var(--shadow-md);
}

.header-bar {
  background: var(--navy);
  color: rgba(255,255,255,0.85);
  font-size: 0.82rem;
  font-weight: 600;
  padding: 8px 0;
  letter-spacing: 0.01em;
}

.header-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.header-bar a {
  color: rgba(255,255,255,0.85);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}

.header-bar a:hover { color: var(--gold-light); }

.header-bar-right {
  display: flex;
  align-items: center;
  gap: 24px;
}

.header-main .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 32px;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  flex-shrink: 0;
}

.logo img {
  height: 48px;
  width: auto;
}

.logo-text .brand {
  display: block;
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.1;
}

.logo-text .tagline {
  display: block;
  font-size: 0.7rem;
  color: var(--gold);
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

/* Nav */
.nav-main ul {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-main > ul > li {
  position: relative;
}

.nav-main > ul > li > a {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 14px;
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--navy);
  border-radius: 6px;
  transition: var(--transition);
  letter-spacing: 0.01em;
}

.nav-main > ul > li > a:hover,
.nav-main > ul > li > a.active {
  background: var(--gray-light);
  color: var(--navy-light);
}

.dropdown-arrow {
  font-size: 0.65rem;
  transition: var(--transition);
}

/* Dropdown */
.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: var(--transition);
  z-index: 100;
  overflow: hidden;
}

.dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown-menu li a {
  display: block;
  padding: 10px 18px;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy);
  transition: var(--transition);
  border-left: 3px solid transparent;
}

.dropdown-menu li a:hover {
  background: var(--gray-light);
  border-left-color: var(--gold);
  padding-left: 22px;
}

/* Nav CTA */
.nav-cta {
  flex-shrink: 0;
}

/* Mobile toggle */
.menu-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  color: var(--navy);
  font-size: 1.5rem;
}

/* ── HERO ── */
.hero {
  position: relative;
  background: linear-gradient(160deg, var(--navy-dark) 0%, var(--navy) 40%, var(--navy-mid) 100%);
  padding: 100px 0 80px;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url('../images/pexelspablo215186719632818348.jpg');
  background-size: cover;
  background-position: center;
  opacity: 0.12;
}

/* Wave décoration */
.hero::after {
  content: '';
  position: absolute;
  bottom: -1px;
  left: 0;
  right: 0;
  height: 80px;
  background: var(--white);
  clip-path: ellipse(55% 100% at 50% 100%);
}

.hero .container {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 64px;
  align-items: center;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(192,154,47,0.2);
  border: 1px solid rgba(192,154,47,0.4);
  color: var(--gold-light);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 20px;
}

.hero h1 {
  color: var(--white);
  margin-bottom: 20px;
  line-height: 1.15;
}

.hero-sub {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 32px;
  line-height: 1.75;
  max-width: 540px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.hero-trust {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
}

.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.75);
  font-size: 0.85rem;
  font-weight: 600;
}

.hero-trust-item .check {
  width: 20px;
  height: 20px;
  background: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy-dark);
  font-size: 0.65rem;
  flex-shrink: 0;
  font-weight: 900;
}

/* Hero form card */
.hero-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 36px 32px;
  box-shadow: var(--shadow-xl);
}

.hero-card-title {
  font-family: var(--font-display);
  font-size: 1.25rem;
  color: var(--navy);
  margin-bottom: 6px;
  font-weight: 700;
}

.hero-card-sub {
  font-size: 0.88rem;
  color: var(--gray-text);
  margin-bottom: 24px;
}

.form-group {
  margin-bottom: 16px;
}

.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
  letter-spacing: 0.03em;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--navy-dark);
  background: var(--white);
  transition: var(--transition);
  outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy-light);
  box-shadow: 0 0 0 3px rgba(26,111,175,0.12);
}

.form-group textarea { resize: vertical; min-height: 90px; }

.form-notice {
  font-size: 0.78rem;
  color: var(--gray-text);
  margin-top: 12px;
  text-align: center;
}

/* ── STATS BAR ── */
.stats-bar {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 28px 0;
}

.stats-bar .container {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.stat-item {
  text-align: center;
  padding: 16px;
  border-right: 1px solid var(--border);
}

.stat-item:last-child { border-right: none; }

.stat-num {
  font-family: var(--font-display);
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 4px;
}

.stat-num span { color: var(--gold); }

.stat-label {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--gray-text);
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

/* ── CARDS ── */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
  border-color: transparent;
}

.card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--navy), var(--navy-light));
  transform: scaleX(0);
  transition: var(--transition);
}

.card:hover::before { transform: scaleX(1); }

.card-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 20px;
  background: var(--gray-light);
}

.card-icon.gold { background: rgba(192,154,47,0.12); }

.card h3 {
  margin-bottom: 12px;
  font-size: 1.15rem;
}

/* Service cards (homepage) */
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  transition: var(--transition);
  text-align: center;
}

.service-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--navy-mid);
  transform: translateY(-3px);
}

.service-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 18px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  color: var(--white);
  transition: var(--transition);
}

.service-card:hover .service-icon {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
}

.service-card h3 {
  font-size: 1.05rem;
  margin-bottom: 8px;
  color: var(--navy);
}

.service-card p {
  font-size: 0.88rem;
  color: var(--gray-text);
  margin-bottom: 16px;
}

.service-card a {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--navy-light);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 4px;
  transition: var(--transition);
}

.service-card:hover a { color: var(--gold); }

/* ── HIGHLIGHT CARD ── */
.highlight-card {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  color: var(--white);
  border-radius: var(--radius-xl);
  padding: 48px 40px;
  position: relative;
  overflow: hidden;
}

.highlight-card::after {
  content: '';
  position: absolute;
  right: -40px;
  top: -40px;
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
}

.highlight-card h3 {
  color: var(--white);
  font-size: 1.6rem;
  margin-bottom: 12px;
}

.highlight-card p { color: rgba(255,255,255,0.8); }

.highlight-badge {
  display: inline-block;
  background: var(--gold);
  color: var(--navy-dark);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 100px;
  margin-bottom: 16px;
}

/* ── PROCESS STEPS ── */
.steps { display: flex; flex-direction: column; gap: 24px; }

.step {
  display: flex;
  gap: 24px;
  align-items: flex-start;
}

.step-num {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 700;
  flex-shrink: 0;
}

.step-content h4 {
  margin-bottom: 6px;
  font-size: 1.05rem;
}

.step-content p { font-size: 0.9rem; margin: 0; }

/* ── TESTIMONIALS ── */
.testimonial {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  position: relative;
}

.testimonial::before {
  content: '"';
  position: absolute;
  top: 16px;
  left: 20px;
  font-family: var(--font-display);
  font-size: 4rem;
  color: var(--cream-dark);
  line-height: 1;
  font-weight: 700;
}

.testimonial-text {
  padding-top: 28px;
  font-style: italic;
  font-size: 0.92rem;
  color: var(--gray-text);
  margin-bottom: 20px;
  line-height: 1.7;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}

.testimonial-name {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--navy);
}

.testimonial-role {
  font-size: 0.8rem;
  color: var(--gray-text);
}

.stars { color: var(--gold); font-size: 0.85rem; letter-spacing: 0.05em; margin-bottom: 4px; }

/* ── FAQ ── */
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 12px;
  background: var(--white);
}

.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 18px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy);
  transition: var(--transition);
}

.faq-question:hover { background: var(--gray-light); }

.faq-question.active { background: var(--navy); color: var(--white); }

.faq-icon {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 2px solid currentColor;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1rem;
  line-height: 1;
  transition: var(--transition);
}

.faq-question.active .faq-icon { transform: rotate(45deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease, padding 0.2s ease;
}

.faq-answer.active {
  max-height: 400px;
}

.faq-answer-inner {
  padding: 20px;
  font-size: 0.92rem;
  color: var(--gray-text);
  line-height: 1.75;
  border-top: 1px solid var(--border);
}

/* ── CTA BAND ── */
.cta-band {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-mid) 100%);
  padding: 72px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url('../images/pexelspablo215186719632821994.jpg');
  background-size: cover;
  background-position: center;
  opacity: 0.08;
}

.cta-band .container { position: relative; z-index: 2; }

.cta-band h2 { color: var(--white); margin-bottom: 12px; }
.cta-band p { color: rgba(255,255,255,0.8); font-size: 1.1rem; margin-bottom: 32px; }

.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ── PARTNER LOGOS ── */
.partners-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
}

.partner-badge {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 12px 20px;
  font-weight: 700;
  font-size: 0.88rem;
  color: var(--navy);
  transition: var(--transition);
}

.partner-badge:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow-sm);
}

/* ── USP BAND ── */
.usp-band {
  background: var(--navy);
  padding: 28px 0;
  color: var(--white);
}

.usp-band .container {
  display: flex;
  align-items: center;
  justify-content: space-around;
  flex-wrap: wrap;
  gap: 20px;
}

.usp-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  font-weight: 700;
}

.usp-item .dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}

/* ── PAGE HERO (sous-pages) ── */
.page-hero {
  background: linear-gradient(160deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 60px 0 52px;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url('../images/pexelspablo215186719632821994.jpg');
  background-size: cover;
  background-position: center;
  opacity: 0.08;
}

.page-hero::after {
  content: '';
  position: absolute;
  bottom: -1px;
  left: 0;
  right: 0;
  height: 50px;
  background: var(--white);
  clip-path: ellipse(55% 100% at 50% 100%);
}

.page-hero .container { position: relative; z-index: 2; }
.page-hero .breadcrumb { margin-bottom: 16px; }
.page-hero .breadcrumb a { color: rgba(255,255,255,0.6); font-size: 0.82rem; font-weight: 600; transition: var(--transition); }
.page-hero .breadcrumb a:hover { color: var(--gold-light); }
.page-hero .breadcrumb span { color: rgba(255,255,255,0.4); margin: 0 8px; font-size: 0.82rem; }
.page-hero .breadcrumb strong { color: rgba(255,255,255,0.8); font-size: 0.82rem; font-weight: 600; }

.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,0.8); font-size: 1.1rem; max-width: 620px; margin-bottom: 0; }

/* ── FEATURE LIST ── */
.feature-list { display: flex; flex-direction: column; gap: 16px; }

.feature-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.feature-icon {
  width: 36px;
  height: 36px;
  border-radius: var(--radius);
  background: rgba(192,154,47,0.12);
  border: 1px solid rgba(192,154,47,0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  flex-shrink: 0;
}

.feature-item h4 { margin-bottom: 4px; font-size: 0.95rem; }
.feature-item p { font-size: 0.875rem; margin: 0; }

/* ── INFO BOX ── */
.info-box {
  background: var(--cream);
  border: 1px solid var(--cream-dark);
  border-left: 4px solid var(--navy);
  border-radius: var(--radius);
  padding: 20px 24px;
  margin: 24px 0;
}

.info-box.warning {
  background: #fffbeb;
  border-left-color: var(--gold);
  border-color: #f9e87a;
}

.info-box p { font-size: 0.9rem; margin: 0; }
.info-box strong { color: var(--navy); }

/* ── TABLE ── */
.compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.compare-table th {
  background: var(--navy);
  color: var(--white);
  padding: 14px 18px;
  text-align: left;
  font-weight: 700;
  font-size: 0.82rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.compare-table td {
  padding: 13px 18px;
  border-bottom: 1px solid var(--border);
  color: var(--gray-text);
}

.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:nth-child(even) td { background: var(--gray-light); }

.check-yes { color: var(--success); font-weight: 700; }
.check-no { color: #e53e3e; }

/* ── CONTACT PAGE ── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 48px;
  align-items: start;
}

.contact-info-card {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius-xl);
  padding: 40px 36px;
}

.contact-info-card h3 {
  color: var(--white);
  font-size: 1.4rem;
  margin-bottom: 28px;
}

.contact-info-item {
  display: flex;
  gap: 14px;
  margin-bottom: 24px;
  align-items: flex-start;
}

.contact-info-item:last-child { margin-bottom: 0; }

.contact-info-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--radius);
  background: rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.contact-info-text strong {
  display: block;
  font-size: 0.8rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 4px;
  font-weight: 700;
}

.contact-info-text a {
  color: rgba(255,255,255,0.9);
  font-weight: 600;
  font-size: 1.05rem;
  transition: var(--transition);
}

.contact-info-text a:hover { color: var(--gold-light); }

.contact-info-text p { color: rgba(255,255,255,0.75); font-size: 0.9rem; margin: 0; }

.orias-badge {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius);
  padding: 14px 18px;
  margin-top: 28px;
}

.orias-badge p { font-size: 0.8rem; color: rgba(255,255,255,0.6); margin-bottom: 4px; }
.orias-badge strong { color: var(--gold-light); font-size: 0.9rem; }

/* ── FOOTER ── */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  padding-top: 64px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand img {
  height: 44px;
  margin-bottom: 16px;
  filter: brightness(0) invert(1);
  opacity: 0.9;
}

.footer-brand p {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.7;
  max-width: 280px;
}

.footer-col h4 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.footer-col ul { display: flex; flex-direction: column; gap: 10px; }

.footer-col ul a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.55);
  transition: var(--transition);
  font-weight: 600;
}

.footer-col ul a:hover {
  color: var(--gold-light);
  padding-left: 4px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 12px;
}

.footer-contact-item span:first-child { flex-shrink: 0; }

.footer-contact-item a {
  color: rgba(255,255,255,0.75);
  font-weight: 600;
  transition: var(--transition);
}

.footer-contact-item a:hover { color: var(--gold-light); }

.footer-bottom {
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.35);
}

.footer-bottom a {
  color: rgba(255,255,255,0.45);
  transition: var(--transition);
}

.footer-bottom a:hover { color: var(--gold-light); }

.footer-legal-links { display: flex; gap: 24px; }

/* ── SCROLL ANIMATIONS ── */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}

.reveal.visible {
  opacity: 1;
  transform: none;
}

/* ── RESPONSIVE ── */
@media (max-width: 1024px) {
  .hero .container { grid-template-columns: 1fr; }
  .hero-card { max-width: 480px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .contact-grid { grid-template-columns: 1fr; }
  .contact-info-card { order: -1; }
}

@media (max-width: 768px) {
  .header-bar { display: none; }

  .menu-toggle { display: flex; }

  .nav-main {
    position: fixed;
    top: 73px;
    left: 0;
    right: 0;
    background: var(--white);
    border-top: 1px solid var(--border);
    box-shadow: var(--shadow-lg);
    padding: 20px 0;
    transform: translateY(-100%);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
    max-height: calc(100vh - 73px);
    overflow-y: auto;
  }

  .nav-main.open {
    transform: none;
    opacity: 1;
    visibility: visible;
  }

  .nav-main ul { flex-direction: column; gap: 2px; padding: 0 16px; }
  .nav-main > ul > li > a { padding: 12px 14px; }

  .dropdown-menu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    border: none;
    background: var(--gray-light);
    border-radius: var(--radius);
    margin: 4px 0;
    display: none;
  }

  .dropdown.open .dropdown-menu { display: block; }

  .nav-cta { padding: 16px 16px 0; }
  .nav-cta .btn { width: 100%; justify-content: center; }

  .section { padding: 56px 0; }
  .section-lg { padding: 72px 0; }

  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .stats-bar .container { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2) { border-right: none; }
  .stat-item:nth-child(3) { border-right: 1px solid var(--border); }

  .hero { padding: 60px 0 80px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }

  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .usp-band .container { flex-direction: column; align-items: flex-start; gap: 12px; }

  h1 { font-size: 1.9rem; }
  h2 { font-size: 1.55rem; }
}

@media (max-width: 480px) {
  .stats-bar .container { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: 1fr; }
  .container { padding: 0 16px; }
}