:root {
  --ink: oklch(30% 0.055 220);
  --muted: oklch(50% 0.035 210);
  --paper: oklch(98% 0.026 85);
  --surface: oklch(99% 0.010 92);
  --surface-warm: oklch(97% 0.022 86);
  --surface-cool: oklch(96% 0.025 175);
  --line: oklch(87% 0.026 164);
  --brand: oklch(57% 0.145 165);
  --brand-deep: oklch(47% 0.135 247);
  --brand-soft: oklch(92% 0.052 160);
  --warm: oklch(80% 0.145 73);
  --warm-deep: oklch(48% 0.105 65);
  --danger: oklch(48% 0.16 28);
  --success: oklch(43% 0.12 155);
  --on-dark: oklch(98% 0.012 92);
  --shadow: 0 18px 44px rgba(18, 65, 92, 0.14);
  --shadow-small: 0 10px 24px rgba(18, 65, 92, 0.10);
  --radius: 8px;
  --max: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: "Nunito Sans", "Noto Sans SC", sans-serif;
  font-size: 16px;
  line-height: 1.55;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 20;
  opacity: 0.05;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 120 120' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.8' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='120' height='120' filter='url(%23n)' opacity='.7'/%3E%3C/svg%3E");
}

img,
svg {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
}

button,
input,
select,
textarea {
  font: inherit;
}

button,
a,
input,
select,
textarea {
  outline-color: var(--warm);
  outline-offset: 3px;
}

.page-shell {
  overflow: clip;
  min-height: 100vh;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  border-bottom: 1px solid rgba(23, 59, 72, 0.12);
  background: rgba(255, 250, 242, 0.94);
  backdrop-filter: blur(12px);
}

.header-inner,
.section-inner,
.footer-inner {
  width: min(var(--max), calc(100% - 32px));
  margin: 0 auto;
}

.header-inner {
  min-height: 78px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}

.brand-link,
.admin-brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--ink);
  text-decoration: none;
  font-weight: 800;
}

.brand-link img,
.admin-brand img {
  width: 48px;
  height: 48px;
  border-radius: 8px;
  object-fit: cover;
  box-shadow: var(--shadow-small);
}

.brand-text {
  display: grid;
  line-height: 1.05;
}

.brand-sub {
  color: var(--muted);
  font-size: 0.82rem;
  font-weight: 700;
}

.header-actions,
.hero-actions,
.contact-actions,
.form-actions,
.admin-actions,
.lead-actions {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
}

.header-nav {
  display: flex;
  align-items: center;
  gap: 18px;
  color: var(--muted);
  font-weight: 800;
}

.header-nav a {
  text-decoration: none;
}

.language-switch {
  display: inline-flex;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 4px;
  background: var(--surface);
  box-shadow: var(--shadow-small);
}

.language-switch button {
  min-width: 44px;
  min-height: 38px;
  border: 0;
  border-radius: 6px;
  background: transparent;
  color: var(--muted);
  cursor: pointer;
  font-weight: 900;
}

.language-switch button.is-active {
  background: var(--ink);
  color: var(--on-dark);
}

.button {
  min-height: 46px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  border: 1px solid transparent;
  border-radius: 8px;
  padding: 11px 18px;
  color: var(--ink);
  background: var(--surface);
  text-decoration: none;
  cursor: pointer;
  font-weight: 900;
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease, color 180ms ease;
}

.button:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-small);
}

.button-primary {
  background: var(--warm);
  border-color: color-mix(in oklch, var(--warm) 74%, var(--warm-deep));
  color: color-mix(in oklch, var(--ink) 88%, var(--warm-deep));
}

.button-dark {
  background: var(--ink);
  color: var(--on-dark);
}

.button-outline {
  border-color: rgba(23, 59, 72, 0.22);
  background: rgba(255, 255, 255, 0.74);
}

.button-small {
  min-height: 38px;
  padding: 8px 12px;
  font-size: 0.92rem;
}

.icon {
  width: 20px;
  height: 20px;
  flex: 0 0 auto;
}

.hero {
  position: relative;
  background:
    linear-gradient(115deg, rgba(15, 143, 117, 0.14), rgba(255, 184, 77, 0.12) 44%, rgba(21, 101, 177, 0.14)),
    linear-gradient(180deg, var(--paper) 0%, var(--surface-cool) 100%);
}

.hero::after {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 110px;
  background:
    linear-gradient(135deg, transparent 0 46%, rgba(15, 143, 117, 0.10) 46% 54%, transparent 54%),
    linear-gradient(45deg, transparent 0 47%, rgba(21, 101, 177, 0.10) 47% 53%, transparent 53%);
  background-size: 84px 84px;
  pointer-events: none;
}

.hero-grid {
  position: relative;
  z-index: 1;
  min-height: 670px;
  display: grid;
  grid-template-columns: 1.02fr 0.98fr;
  grid-template-areas:
    "content visual"
    "trust visual";
  grid-template-rows: auto auto;
  align-items: center;
  gap: 42px;
  padding: 76px 0 88px;
}

.hero-content {
  grid-area: content;
  min-width: 0;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 20px;
  color: var(--success);
  font-size: 0.94rem;
  font-weight: 900;
}

.eyebrow::before {
  content: "";
  width: 34px;
  height: 4px;
  border-radius: 3px;
  background: var(--warm);
}

h1,
h2,
h3,
.display {
  font-family: "Bricolage Grotesque", "Noto Sans SC", sans-serif;
  font-weight: 800;
  line-height: 1.04;
  margin: 0;
}

h1 {
  max-width: 760px;
  font-size: 4.1rem;
  word-break: keep-all;
  overflow-wrap: anywhere;
}

h2 {
  font-size: 2.65rem;
}

h3 {
  font-size: 1.35rem;
}

.hero-copy {
  max-width: 650px;
  margin: 22px 0 0;
  color: color-mix(in oklch, var(--muted) 82%, var(--ink));
  font-size: 1.15rem;
}

.hero-actions {
  margin-top: 30px;
}

.hero-disclaimer {
  max-width: 650px;
  margin: 18px 0 0;
  color: color-mix(in oklch, var(--ink) 74%, var(--brand-deep));
  font-size: 0.95rem;
  font-weight: 900;
}

.trust-strip {
  grid-area: trust;
  min-width: 0;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
  margin-top: -8px;
  max-width: 760px;
}

.trust-item {
  min-height: 88px;
  border: 1px solid rgba(23, 59, 72, 0.12);
  border-radius: 8px;
  padding: 16px;
  background: color-mix(in oklch, var(--surface) 78%, var(--brand-soft));
  box-shadow: 0 12px 28px rgba(18, 65, 92, 0.08);
}

.trust-item:nth-child(2) {
  transform: translateY(14px);
}

.trust-item:nth-child(3) {
  background: color-mix(in oklch, var(--surface) 72%, var(--warm));
}

.trust-item:nth-child(4) {
  transform: translateY(8px);
}

.trust-item strong {
  display: block;
  font-size: 1.35rem;
  line-height: 1.1;
}

.trust-item span {
  display: block;
  margin-top: 6px;
  color: var(--muted);
  font-weight: 800;
}

.hero-visual {
  grid-area: visual;
  position: relative;
  align-self: end;
  min-width: 0;
}

.hero-visual img {
  width: 100%;
  filter: drop-shadow(0 22px 30px rgba(18, 65, 92, 0.16));
}

.form-section {
  position: relative;
  z-index: 2;
  margin-top: -54px;
  padding-bottom: 70px;
}

.form-panel {
  display: grid;
  grid-template-columns: 0.72fr 1.28fr;
  gap: 34px;
  align-items: start;
  border: 1px solid rgba(23, 59, 72, 0.13);
  border-radius: 8px;
  padding: 30px;
  background: var(--surface);
  box-shadow: var(--shadow);
}

.form-intro {
  position: sticky;
  top: 104px;
}

.form-intro p,
.section-copy,
.card p,
.privacy-copy p {
  color: var(--muted);
}

.mini-list {
  display: grid;
  gap: 12px;
  margin: 24px 0 0;
  padding: 0;
  list-style: none;
}

.mini-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  color: color-mix(in oklch, var(--muted) 72%, var(--ink));
  font-weight: 800;
}

.mini-list svg {
  margin-top: 2px;
  color: var(--brand);
}

.lead-form {
  display: grid;
  gap: 16px;
}

.form-progress {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.progress-step {
  min-height: 42px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 8px 10px;
  background: var(--surface-warm);
  color: var(--muted);
  font-size: 0.9rem;
  font-weight: 900;
  text-align: center;
}

.progress-step.is-active {
  border-color: color-mix(in oklch, var(--brand) 48%, var(--line));
  background: var(--brand-soft);
  color: var(--success);
}

.progress-step.is-complete {
  background: var(--ink);
  color: var(--on-dark);
}

.form-step {
  display: grid;
  gap: 16px;
  min-width: 0;
  margin: 0;
  padding: 0;
  border: 0;
}

.lead-form.is-stepped .form-step:not(.is-active) {
  display: none;
}

.form-step legend {
  margin-bottom: 12px;
  color: color-mix(in oklch, var(--ink) 90%, var(--brand));
  font-weight: 900;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.field {
  display: grid;
  gap: 7px;
}

.field small {
  color: var(--muted);
  font-size: 0.84rem;
  font-weight: 800;
}

.field.full {
  grid-column: 1 / -1;
}

.field label,
.checkbox-label {
  color: color-mix(in oklch, var(--ink) 90%, var(--brand));
  font-size: 0.94rem;
  font-weight: 900;
}

.field input,
.field select,
.field textarea {
  width: 100%;
  min-height: 48px;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 11px 12px;
  background: var(--surface);
  color: var(--ink);
}

.field textarea {
  min-height: 112px;
  resize: vertical;
}

.field input:focus,
.field select:focus,
.field textarea:focus {
  border-color: var(--brand);
  box-shadow: 0 0 0 4px rgba(15, 143, 117, 0.12);
}

.checkbox-label {
  display: grid;
  grid-template-columns: 22px 1fr;
  gap: 10px;
  align-items: start;
  padding: 13px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: color-mix(in oklch, var(--surface) 74%, var(--brand-soft));
}

.checkbox-label input {
  width: 20px;
  height: 20px;
  margin-top: 2px;
  accent-color: var(--brand);
}

.honeypot {
  position: absolute;
  left: -10000px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.form-message,
.admin-message {
  display: none;
  border-radius: 8px;
  padding: 12px 14px;
  font-weight: 800;
}

.form-message.is-visible,
.admin-message.is-visible {
  display: block;
}

.form-message.success,
.admin-message.success {
  color: var(--success);
  background: color-mix(in oklch, var(--surface) 65%, var(--brand-soft));
  border: 1px solid color-mix(in oklch, var(--brand) 36%, var(--line));
}

.form-message.error,
.admin-message.error {
  color: var(--danger);
  background: oklch(96% 0.028 32);
  border: 1px solid oklch(82% 0.065 31);
}

.section {
  padding: 78px 0;
}

.section-tight {
  padding-top: 44px;
}

.section-alt {
  background: var(--surface-cool);
}

.section-head {
  display: grid;
  gap: 16px;
  max-width: 760px;
  margin-bottom: 34px;
}

.section-copy {
  margin: 0;
  font-size: 1.08rem;
}

.cards-grid {
  display: grid;
  grid-template-columns: 1.12fr 0.94fr 0.94fr;
  gap: 18px;
}

.card {
  border: 1px solid rgba(23, 59, 72, 0.12);
  border-radius: 8px;
  padding: 22px;
  background: var(--surface);
  box-shadow: var(--shadow-small);
  transition: transform 180ms ease, box-shadow 180ms ease;
}

.cards-grid .card:first-child {
  background: linear-gradient(150deg, var(--ink), color-mix(in oklch, var(--brand-deep) 74%, var(--ink)));
  color: var(--on-dark);
}

.cards-grid .card:first-child p {
  color: color-mix(in oklch, var(--on-dark) 82%, var(--brand-soft));
}

.cards-grid .card:first-child .card-icon {
  background: color-mix(in oklch, var(--warm) 86%, var(--on-dark));
  color: var(--ink);
}

.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}

.card-icon {
  width: 50px;
  height: 50px;
  display: grid;
  place-items: center;
  margin-bottom: 18px;
  border-radius: 8px;
  background: var(--brand-soft);
  color: var(--brand);
}

.card p {
  margin-bottom: 0;
}

.scenario-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.scenario-card {
  display: grid;
  align-content: start;
  gap: 12px;
  min-height: 100%;
  border: 1px solid rgba(23, 59, 72, 0.12);
  border-radius: 8px;
  padding: 22px;
  background: var(--surface);
  box-shadow: var(--shadow-small);
}

.scenario-card:nth-child(1) {
  background: linear-gradient(150deg, var(--ink), color-mix(in oklch, var(--brand-deep) 74%, var(--ink)));
  color: var(--on-dark);
}

.scenario-card:nth-child(1) p,
.scenario-card:nth-child(1) strong {
  color: color-mix(in oklch, var(--on-dark) 82%, var(--brand-soft));
}

.scenario-card:nth-child(1) .card-icon {
  background: color-mix(in oklch, var(--warm) 86%, var(--on-dark));
  color: var(--ink);
}

.scenario-card p {
  margin: 0;
  color: var(--muted);
}

.scenario-card strong {
  margin-top: 6px;
  color: color-mix(in oklch, var(--ink) 88%, var(--brand));
}

.scenario-card a {
  align-self: end;
  margin-top: 6px;
  color: var(--success);
  font-weight: 900;
  text-decoration: none;
}

.scenario-card:nth-child(1) a {
  color: var(--warm);
}

.repayment-layout {
  display: grid;
  grid-template-columns: 1.22fr 0.78fr;
  gap: 24px;
  align-items: start;
}

.table-card,
.expect-list,
.trust-box,
.business-identity,
.faq-grid details {
  border: 1px solid rgba(23, 59, 72, 0.12);
  border-radius: 8px;
  background: var(--surface);
  box-shadow: var(--shadow-small);
}

.table-card {
  overflow: hidden;
}

.repayment-table {
  width: 100%;
  border-collapse: collapse;
}

.repayment-table th,
.repayment-table td {
  padding: 15px 16px;
  border-bottom: 1px solid rgba(23, 59, 72, 0.11);
  text-align: left;
  vertical-align: top;
}

.repayment-table th {
  color: color-mix(in oklch, var(--ink) 88%, var(--brand));
  background: color-mix(in oklch, var(--surface) 72%, var(--brand-soft));
  font-size: 0.9rem;
}

.repayment-table td:last-child {
  color: var(--success);
  font-weight: 900;
}

.table-note {
  margin: 0;
  padding: 14px 16px;
  color: var(--muted);
  font-size: 0.92rem;
  font-weight: 800;
}

.expect-list {
  padding: 22px;
}

.expect-list h3 {
  margin-bottom: 6px;
}

.trust-layout {
  display: grid;
  gap: 20px;
}

.trust-columns {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.trust-box {
  padding: 22px;
}

.trust-box-alert {
  background: color-mix(in oklch, var(--surface) 82%, var(--warm));
}

.check-list {
  display: grid;
  gap: 12px;
  margin: 16px 0 0;
  padding: 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding-left: 28px;
  color: color-mix(in oklch, var(--muted) 72%, var(--ink));
  font-weight: 800;
}

.check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.35em;
  width: 15px;
  height: 15px;
  border-radius: 4px;
  background: var(--brand);
}

.business-identity {
  padding: 22px;
  background: color-mix(in oklch, var(--surface) 78%, var(--brand-soft));
}

.business-identity dl {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
  margin: 18px 0 0;
}

.business-identity dt {
  color: color-mix(in oklch, var(--ink) 88%, var(--brand));
  font-weight: 900;
}

.business-identity dd {
  margin: 4px 0 0;
  color: var(--muted);
  font-weight: 800;
}

.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.faq-grid details {
  padding: 18px 20px;
}

.faq-grid summary {
  color: color-mix(in oklch, var(--ink) 90%, var(--brand));
  cursor: pointer;
  font-weight: 900;
}

.faq-grid p {
  margin: 12px 0 0;
  color: var(--muted);
}

.process-wrap {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 28px;
  align-items: center;
}

.process-wrap img {
  border-radius: 8px;
  box-shadow: var(--shadow-small);
}

.steps-list {
  display: grid;
  gap: 16px;
  padding: 0;
  margin: 0;
  list-style: none;
}

.steps-list li {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 14px;
  align-items: start;
}

.step-number {
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  border-radius: 8px;
  background: var(--ink);
  color: var(--on-dark);
  font-weight: 900;
}

.contact-band {
  color: var(--on-dark);
  background:
    linear-gradient(135deg, rgba(15, 143, 117, 0.96), rgba(21, 101, 177, 0.96)),
    linear-gradient(45deg, transparent 0 47%, rgba(255, 255, 255, 0.16) 47% 53%, transparent 53%);
  background-size: auto, 70px 70px;
}

.contact-band .section-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 24px;
  align-items: center;
}

.contact-band p {
  color: rgba(255, 255, 255, 0.86);
}

.contact-band .button-outline {
  color: var(--on-dark);
  border-color: rgba(255, 255, 255, 0.54);
  background: rgba(255, 255, 255, 0.12);
}

.contact-band .button-primary {
  color: var(--ink);
}

.site-footer {
  padding: 44px 0;
  background: color-mix(in oklch, var(--ink) 86%, var(--brand-deep));
  color: var(--on-dark);
}

.footer-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 26px;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.82);
  text-decoration: none;
  font-weight: 800;
}

.footer-note,
.footer-contact {
  color: rgba(255, 255, 255, 0.72);
  margin: 14px 0 0;
}

.mobile-cta {
  display: none;
}

[data-reveal] {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 520ms ease, transform 520ms ease;
}

[data-reveal].is-visible {
  opacity: 1;
  transform: translateY(0);
}

.admin-page {
  background:
    linear-gradient(180deg, var(--paper) 0%, var(--surface-cool) 100%);
}

.admin-main,
.privacy-main {
  width: min(var(--max), calc(100% - 32px));
  margin: 0 auto;
  padding: 54px 0 80px;
}

.admin-panel,
.privacy-panel {
  border: 1px solid rgba(23, 59, 72, 0.13);
  border-radius: 8px;
  background: var(--surface);
  box-shadow: var(--shadow);
}

.login-panel {
  max-width: 480px;
  padding: 30px;
}

.login-panel p {
  color: var(--muted);
}

.admin-dashboard {
  display: grid;
  gap: 20px;
}

.admin-toolbar,
.admin-stats,
.lead-detail {
  display: grid;
  gap: 14px;
  border: 1px solid rgba(23, 59, 72, 0.12);
  border-radius: 8px;
  padding: 18px;
  background: color-mix(in oklch, var(--surface) 82%, transparent);
}

.admin-toolbar {
  grid-template-columns: 1.35fr 0.7fr 0.7fr 0.7fr auto;
  align-items: end;
}

.admin-stats {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.stat-box {
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 12px;
  background: color-mix(in oklch, var(--surface) 76%, var(--brand-soft));
}

.stat-box strong {
  display: block;
  font-size: 1.7rem;
  line-height: 1.1;
}

.table-wrap {
  overflow-x: auto;
  border: 1px solid rgba(23, 59, 72, 0.12);
  border-radius: 8px;
  background: var(--surface);
}

.leads-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 980px;
}

.leads-table th,
.leads-table td {
  padding: 13px 14px;
  border-bottom: 1px solid rgba(23, 59, 72, 0.10);
  text-align: left;
  vertical-align: top;
}

.leads-table th {
  color: color-mix(in oklch, var(--ink) 90%, var(--brand));
  background: color-mix(in oklch, var(--surface) 72%, var(--brand-soft));
  font-size: 0.9rem;
}

.leads-table tr:hover td {
  background: var(--surface-warm);
}

.status-pill {
  display: inline-flex;
  min-width: 88px;
  justify-content: center;
  border-radius: 8px;
  padding: 5px 9px;
  background: var(--brand-soft);
  color: var(--success);
  font-size: 0.86rem;
  font-weight: 900;
}

.privacy-panel {
  padding: 32px;
}

.privacy-copy {
  max-width: 860px;
}

.hidden {
  display: none !important;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

@media (max-width: 980px) {
  .header-nav {
    display: none;
  }

  .hero-grid,
  .form-panel,
  .process-wrap,
  .repayment-layout,
  .trust-columns,
  .contact-band .section-inner,
  .footer-inner {
    grid-template-columns: 1fr;
  }

  .hero-grid {
    grid-template-areas:
      "content"
      "trust"
      "visual";
    min-height: auto;
    padding-top: 48px;
  }

  h1 {
    font-size: 3.2rem;
  }

  h2 {
    font-size: 2.25rem;
  }

  .hero-visual {
    max-width: 440px;
    margin: 0 auto;
  }

  .hero-visual img {
    max-height: 360px;
    object-fit: contain;
    object-position: center top;
  }

  .form-intro {
    position: static;
  }

  .cards-grid {
    grid-template-columns: 1fr 1fr;
  }

  .scenario-grid,
  .business-identity dl,
  .faq-grid {
    grid-template-columns: 1fr 1fr;
  }

  .admin-toolbar {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 680px) {
  body {
    font-size: 15px;
  }

  .header-inner {
    min-height: 70px;
  }

  .brand-sub {
    display: none;
  }

  .header-actions .button {
    display: none;
  }

  h1 {
    font-size: 2.35rem;
    word-break: normal;
  }

  h2 {
    font-size: 1.9rem;
  }

  .hero-copy {
    font-size: 1rem;
  }

  .hero-actions,
  .contact-actions,
  .form-actions,
  .admin-actions {
    align-items: stretch;
    flex-direction: column;
  }

  .button {
    width: 100%;
  }

  .trust-strip,
  .cards-grid,
  .scenario-grid,
  .business-identity dl,
  .faq-grid,
  .form-grid,
  .admin-stats,
  .admin-toolbar {
    grid-template-columns: 1fr;
  }

  .trust-strip {
    margin-top: 4px;
  }

  .trust-item:nth-child(2) {
    transform: none;
  }

  .trust-item:nth-child(4) {
    transform: none;
  }

  .form-section {
    margin-top: -24px;
  }

  .form-panel,
  .scenario-card,
  .expect-list,
  .trust-box,
  .business-identity,
  .faq-grid details,
  .privacy-panel,
  .login-panel {
    padding: 20px;
  }

  .repayment-table {
    min-width: 680px;
  }

  .table-card {
    overflow-x: auto;
  }

  .mobile-cta {
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 12;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    padding: 10px 16px calc(10px + env(safe-area-inset-bottom));
    border-top: 1px solid rgba(23, 59, 72, 0.14);
    background: rgba(255, 250, 242, 0.96);
    backdrop-filter: blur(12px);
  }

  .mobile-cta .button {
    min-height: 46px;
    padding: 10px 12px;
  }

  body {
    padding-bottom: 78px;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}