/* =====================================================
   CCPH – Public Site CSS
   Modern Financial Comparison Platform
   ===================================================== */

/* === Design Tokens === */
:root {
    --orange:        #f97316;
    --orange-dark:   #ea580c;
    --orange-light:  #fb923c;
    --orange-50:     #fff7ed;
    --orange-100:    #ffedd5;
    --orange-200:    #fed7aa;
    --blue:          #2563eb;
    --blue-dark:     #1d4ed8;
    --blue-50:       #eff6ff;
    --blue-100:      #dbeafe;
    --navy:          #0f172a;
    --navy-2:        #1e293b;
    --bg:            #f8fafc;
    --surface:       #ffffff;
    --surface-2:     #f1f5f9;
    --border:        #e2e8f0;
    --border-strong: #cbd5e1;
    --text:          #0f172a;
    --text-2:        #334155;
    --muted:         #64748b;
    --muted-2:       #94a3b8;
    --success:       #16a34a;
    --shadow-xs:     0 1px 2px rgba(15,23,42,.05);
    --shadow-sm:     0 2px 8px rgba(15,23,42,.07), 0 1px 3px rgba(15,23,42,.04);
    --shadow:        0 4px 20px rgba(15,23,42,.08), 0 2px 8px rgba(15,23,42,.04);
    --shadow-md:     0 10px 40px rgba(15,23,42,.10), 0 4px 16px rgba(15,23,42,.05);
    --shadow-lg:     0 20px 64px rgba(15,23,42,.12), 0 8px 24px rgba(15,23,42,.06);
    --shadow-orange: 0 8px 24px rgba(249,115,22,.24);
    --shadow-blue:   0 8px 24px rgba(37,99,235,.18);
    --radius-sm:     8px;
    --radius:        12px;
    --radius-md:     16px;
    --radius-lg:     20px;
    --radius-xl:     28px;
    --radius-full:   9999px;
    --ease:          .2s ease;
}

/* === Reset & Base === */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
    margin: 0;
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
h1, h2, h3, h4 { margin-top: 0; color: var(--navy); line-height: 1.2; letter-spacing: -.025em; }
p { margin-top: 0; color: var(--muted); line-height: 1.7; }
.container { width: min(1160px, calc(100% - 48px)); margin: 0 auto; }

/* === Typography === */
h1 { font-size: clamp(30px, 5.5vw, 60px); font-weight: 800; letter-spacing: -.04em; margin-bottom: 16px; }
h2 { font-size: clamp(22px, 3.5vw, 42px); font-weight: 800; margin-bottom: 12px; }
h3 { font-size: 18px; font-weight: 700; margin-bottom: 6px; }
.kicker {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: var(--orange-100);
    color: var(--orange-dark);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: .06em;
    text-transform: uppercase;
    padding: 5px 14px;
    border-radius: var(--radius-full);
    margin-bottom: 14px;
}

/* === Buttons === */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    min-height: 46px;
    padding: 12px 24px;
    border-radius: var(--radius-full);
    border: 0;
    background: var(--orange);
    color: #fff;
    font-family: inherit;
    font-size: 15px;
    font-weight: 700;
    cursor: pointer;
    transition: all var(--ease);
    box-shadow: var(--shadow-orange);
    white-space: nowrap;
    text-decoration: none;
}
.btn:hover { background: var(--orange-dark); transform: translateY(-2px); box-shadow: 0 12px 32px rgba(249,115,22,.32); }
.btn.blue { background: var(--blue); box-shadow: var(--shadow-blue); }
.btn.blue:hover { background: var(--blue-dark); box-shadow: 0 12px 32px rgba(37,99,235,.28); }
.btn.ghost { background: var(--surface); color: var(--text-2); border: 1.5px solid var(--border); box-shadow: var(--shadow-xs); }
.btn.ghost:hover { background: var(--surface-2); border-color: var(--border-strong); transform: translateY(-1px); box-shadow: var(--shadow-sm); }
.btn.outline-white { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.5); box-shadow: none; }
.btn.outline-white:hover { background: rgba(255,255,255,.12); border-color: #fff; transform: translateY(-1px); }
.btn-sm { min-height: 38px; padding: 9px 18px; font-size: 14px; }

/* === Navigation === */
.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(249,115,22,.97);
    backdrop-filter: saturate(180%) blur(16px);
    -webkit-backdrop-filter: saturate(180%) blur(16px);
    border-bottom: 1px solid rgba(255,255,255,.12);
    transition: box-shadow .3s ease, background .3s ease;
}
.site-header.scrolled { box-shadow: 0 8px 32px rgba(15,23,42,.18); background: rgba(234,88,12,.98); }
.nav-wrap {
    min-height: 72px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}
.brand {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-weight: 800;
    color: #fff;
    font-size: 18px;
    letter-spacing: -.03em;
    flex-shrink: 0;
    transition: opacity var(--ease);
}
.brand:hover { opacity: .88; }
.brand img { height: 42px; width: auto; max-width: 160px; object-fit: contain; }
.brand-mark {
    width: 38px;
    height: 38px;
    border-radius: 10px;
    background: rgba(255,255,255,.2);
    border: 1px solid rgba(255,255,255,.28);
    display: grid;
    place-items: center;
    font-weight: 900;
    font-size: 13px;
    color: #fff;
    flex-shrink: 0;
}
.main-nav {
    display: flex;
    align-items: center;
    gap: 2px;
    color: #fff;
    font-size: 14px;
    font-weight: 600;
}
.main-nav a {
    display: inline-flex;
    align-items: center;
    padding: 8px 14px;
    border-radius: var(--radius);
    color: rgba(255,255,255,.88);
    font-weight: 600;
    transition: all var(--ease);
}
.main-nav a:hover { color: #fff; background: rgba(255,255,255,.15); }
.main-nav a.active { color: #fff; background: rgba(255,255,255,.2); font-weight: 700; }
.nav-cta {
    margin-left: 6px;
    min-height: 38px;
    padding: 9px 18px;
    font-size: 14px;
    background: rgba(255,255,255,.18);
    border: 1.5px solid rgba(255,255,255,.3);
    box-shadow: none;
    color: #fff;
}
.nav-cta:hover { background: rgba(255,255,255,.28); border-color: rgba(255,255,255,.5); transform: translateY(-1px); box-shadow: none; }
.nav-toggle {
    display: none;
    border: 0;
    background: rgba(255,255,255,.15);
    color: white;
    border-radius: var(--radius);
    padding: 10px 13px;
    font-size: 20px;
    cursor: pointer;
    line-height: 1;
    transition: background var(--ease);
}
.nav-toggle:hover { background: rgba(255,255,255,.25); }

/* === Layout === */
.section { padding: 80px 0; }
.section.white { background: var(--surface); }
.section.soft { background: linear-gradient(180deg, #f8fafc 0%, #fff 100%); }
.center { text-align: center; }
.center p { margin-inline: auto; max-width: 600px; }
.section-header { margin-bottom: 48px; }
.section-split {
    display: flex;
    align-items: end;
    justify-content: space-between;
    gap: 28px;
    margin-bottom: 30px;
}
.section-split > div { max-width: 680px; }
.section-split h2 { margin-bottom: 8px; }
.section-split p { margin-bottom: 0; max-width: 680px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }

/* === Homepage Hero === */
.home-hero {
    background:
        linear-gradient(135deg, rgba(15,23,42,.96), rgba(30,41,59,.94)),
        radial-gradient(circle at 88% 12%, rgba(249,115,22,.24), transparent 34%);
    color: #fff;
    padding: 78px 0 68px;
    overflow: hidden;
}
.hero-shell {
    display: grid;
    grid-template-columns: minmax(0, 1.18fr) minmax(340px, .82fr);
    gap: 42px;
    align-items: center;
}
.hero-copy h1 { color: #fff; max-width: 820px; margin-bottom: 18px; }
.hero-copy p { color: rgba(255,255,255,.76); font-size: 17px; max-width: 670px; }
.hero-search {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 10px;
    width: min(100%, 620px);
    margin-top: 28px;
    padding: 8px;
    background: rgba(255,255,255,.1);
    border: 1px solid rgba(255,255,255,.16);
    border-radius: var(--radius-lg);
    backdrop-filter: blur(10px);
}
.hero-search input {
    min-height: 48px;
    border: 0;
    border-radius: var(--radius);
    padding: 12px 16px;
    font: inherit;
    color: var(--text);
    background: #fff;
}
.hero-search input:focus { outline: 3px solid rgba(249,115,22,.26); }
.quick-links { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 18px; }
.quick-links a {
    padding: 8px 12px;
    border: 1px solid rgba(255,255,255,.18);
    border-radius: var(--radius-full);
    color: rgba(255,255,255,.82);
    font-size: 13px;
    font-weight: 700;
}
.quick-links a:hover { background: rgba(255,255,255,.1); color: #fff; }
.hero-panel {
    background: rgba(255,255,255,.98);
    border: 1px solid rgba(255,255,255,.42);
    border-radius: var(--radius-lg);
    padding: 22px;
    box-shadow: var(--shadow-lg);
}
.hero-panel-head {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    gap: 16px;
    padding-bottom: 16px;
    border-bottom: 1px solid var(--border);
}
.hero-panel-head span {
    color: var(--muted);
    font-size: 13px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .06em;
}
.hero-panel-head strong { color: var(--navy); font-size: 42px; line-height: 1; }
.metric-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin: 18px 0; }
.metric-grid a {
    min-height: 96px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 4px;
    padding: 14px;
    border-radius: var(--radius);
    background: var(--surface-2);
    border: 1px solid var(--border);
}
.metric-grid strong { color: var(--orange-dark); font-size: 26px; line-height: 1; }
.metric-grid span { color: var(--text-2); font-size: 12px; font-weight: 700; line-height: 1.25; }
.provider-list { display: grid; gap: 8px; }
.provider-list a {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    min-height: 44px;
    padding: 10px 12px;
    border-radius: var(--radius);
    border: 1px solid var(--border);
    color: var(--text);
    font-weight: 700;
}
.provider-list a:hover { border-color: var(--orange-light); background: var(--orange-50); }
.provider-list small { color: var(--muted); font-size: 12px; font-weight: 700; }
.promo-strip { padding: 34px 0 0; }
.category-tiles { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.category-tile {
    display: grid;
    gap: 8px;
    min-height: 176px;
    padding: 22px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    background: var(--surface);
    box-shadow: var(--shadow-xs);
    transition: all .22s ease;
}
.category-tile:hover { transform: translateY(-4px); border-color: rgba(37,99,235,.28); box-shadow: var(--shadow-md); }
.category-tile span {
    color: var(--text-2);
    font-size: 13px;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: .04em;
}
.category-tile strong { color: var(--navy); font-size: 46px; line-height: 1; }
.category-tile small { color: var(--muted); font-size: 13px; font-weight: 600; line-height: 1.45; }

/* === Hero Carousel === */
.hero-carousel {
    background: var(--surface);
    padding: 32px 0 52px;
}
.carousel { position: relative; overflow: visible; }
.slide { display: none; }
.slide.active { display: block; }
.image-only-carousel { background: transparent !important; }
.image-only-carousel::before,
.image-only-carousel::after,
.image-only-carousel .slide::before,
.image-only-carousel .slide::after { content: none !important; display: none !important; }
.slide-link {
    display: block;
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    transition: transform .3s ease, box-shadow .3s ease;
    background: transparent !important;
}
.slide-link.has-link:hover { transform: translateY(-4px) scale(1.005); box-shadow: 0 28px 80px rgba(15,23,42,.16); }
.slide-link.no-link { cursor: default; }
.slide img { width: 100%; height: auto; object-fit: contain; background: transparent !important; display: block; }
.placeholder-slide {
    min-height: clamp(200px, 34vw, 460px);
    display: grid;
    place-items: center;
    background: linear-gradient(135deg, var(--orange), var(--navy));
    color: #fff;
    font-weight: 800;
    text-align: center;
    padding: 32px;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
}
.carousel-controls {
    position: absolute;
    inset: 0;
    z-index: 3;
    pointer-events: none;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 14px;
}
.carousel-controls button {
    width: 48px;
    height: 48px;
    border: 0;
    border-radius: var(--radius-full);
    background: rgba(255,255,255,.96);
    color: var(--navy);
    font-weight: 900;
    font-size: 20px;
    cursor: pointer;
    pointer-events: auto;
    box-shadow: var(--shadow-md);
    transition: all var(--ease);
    display: grid;
    place-items: center;
    backdrop-filter: blur(8px);
}
.carousel-controls button:hover { background: #fff; transform: scale(1.08); }

/* === Trust Bar === */
.trust-bar {
    background: var(--surface);
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    padding: 16px 0;
}
.trust-items {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 36px;
    flex-wrap: wrap;
}
.trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13.5px;
    font-weight: 600;
    color: var(--muted);
}
.trust-item .trust-icon { font-size: 18px; }

/* === Cards === */
.card {
    background: var(--surface);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 24px;
    box-shadow: var(--shadow-xs);
    transition: all .25s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--border-strong); }

/* === Bank Cards === */
.bank-card {
    display: flex;
    align-items: center;
    gap: 14px;
    min-height: 88px;
    padding: 16px 18px;
    background: var(--surface);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xs);
    transition: all .25s ease;
    position: relative;
    overflow: hidden;
}
.bank-card::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(249,115,22,.04), rgba(37,99,235,.03));
    opacity: 0;
    transition: opacity .25s ease;
}
.bank-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: rgba(249,115,22,.28); }
.bank-card:hover::before { opacity: 1; }
.bank-card img {
    width: 48px;
    height: 48px;
    border-radius: var(--radius);
    object-fit: contain;
    border: 1px solid var(--border);
    padding: 7px;
    flex-shrink: 0;
    background: var(--surface-2);
}
.bank-card h3 { margin: 0; font-size: 15px; color: var(--navy); }
.bank-card p { margin: 0; font-size: 12.5px; }

/* === Product Cards === */
.product-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 32px; }
.product-card {
    background: var(--surface);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 0;
    box-shadow: var(--shadow-xs);
    display: flex;
    flex-direction: column;
    overflow: hidden;
    transition: all .25s ease;
    position: relative;
}
.product-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--orange), var(--blue));
    opacity: 0;
    transition: opacity .25s ease;
    z-index: 1;
}
.product-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: rgba(249,115,22,.2); }
.product-card:hover::before { opacity: 1; }
.product-card .thumb {
    width: 100%;
    height: 180px;
    object-fit: contain;
    background: var(--surface-2);
    padding: 16px 24px;
    border-bottom: 1px solid var(--border);
    transition: transform .25s ease;
    display: block;
}
.product-card:hover .thumb { transform: scale(1.03); }
.product-placeholder {
    display: grid !important;
    place-items: center;
    background:
        linear-gradient(135deg, rgba(37,99,235,.12), rgba(249,115,22,.12)),
        var(--surface-2) !important;
}
.product-placeholder span {
    display: grid;
    place-items: center;
    width: 72px;
    height: 72px;
    border-radius: var(--radius);
    background: #fff;
    color: var(--blue-dark);
    border: 1px solid var(--border);
    font-weight: 900;
    font-size: 22px;
}
.product-card-body { padding: 20px; display: flex; flex-direction: column; gap: 14px; flex: 1; }
.product-meta { display: flex; gap: 6px; flex-wrap: wrap; }
.pill {
    display: inline-flex;
    align-items: center;
    border-radius: var(--radius-full);
    background: var(--orange-100);
    color: var(--orange-dark);
    font-size: 12px;
    font-weight: 700;
    padding: 4px 10px;
    white-space: nowrap;
}
.pill.blue { background: var(--blue-100); color: var(--blue-dark); }
.pill.gray { background: var(--surface-2); color: var(--muted); border: 1px solid var(--border); }
.product-card h3 { margin: 0; font-size: 16px; color: var(--navy); font-weight: 700; }
.product-card p { font-size: 13.5px; margin: 0; line-height: 1.55; color: var(--muted); }
.highlights {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    gap: 6px;
}
.highlights li {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font-size: 13px;
    color: var(--text-2);
    line-height: 1.45;
}
.highlights li::before {
    content: '?';
    color: var(--success);
    font-weight: 900;
    font-size: 11px;
    flex-shrink: 0;
    margin-top: 2px;
    background: #dcfce7;
    width: 18px;
    height: 18px;
    border-radius: 50%;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}
.product-fees {
    display: flex;
    gap: 6px;
    flex-wrap: wrap;
    padding-top: 10px;
    border-top: 1px solid var(--border);
}
.product-actions { margin-top: auto; display: flex; gap: 8px; flex-wrap: wrap; align-items: center; }

/* === How It Works === */
.info-list { display: grid; gap: 14px; }
.info-row {
    display: grid;
    grid-template-columns: 52px 1fr;
    gap: 16px;
    align-items: flex-start;
    padding: 18px 20px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    background: var(--surface);
    transition: all .25s ease;
}
.info-row:hover { border-color: rgba(249,115,22,.28); box-shadow: var(--shadow-sm); transform: translateX(4px); }
.icon-dot {
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    border-radius: var(--radius);
    background: var(--orange-100);
    color: var(--orange-dark);
    font-weight: 900;
    font-size: 18px;
    flex-shrink: 0;
}
.info-row h3 { font-size: 16px; color: var(--navy); margin-bottom: 4px; }
.info-row p { margin: 0; font-size: 13.5px; line-height: 1.55; }

/* === CTA Band === */
.cta-band {
    background: linear-gradient(135deg, var(--orange) 0%, var(--orange-light) 50%, var(--orange-dark) 100%);
    color: #fff;
    border-radius: var(--radius-xl);
    padding: 56px 52px;
    display: grid;
    grid-template-columns: 1fr auto;
    align-items: center;
    gap: 32px;
    position: relative;
    overflow: hidden;
    box-shadow: 0 16px 48px rgba(249,115,22,.28);
}
.cta-band::before {
    content: '';
    position: absolute;
    width: 340px; height: 340px;
    border-radius: 50%;
    background: rgba(255,255,255,.08);
    right: -100px; top: -130px;
    pointer-events: none;
}
.cta-band::after {
    content: '';
    position: absolute;
    width: 180px; height: 180px;
    border-radius: 50%;
    background: rgba(255,255,255,.06);
    left: 42%; bottom: -80px;
    pointer-events: none;
}
.cta-band h2 { color: #fff; margin-bottom: 10px; }
.cta-band p { color: rgba(255,255,255,.88); margin: 0; font-size: 16px; }

/* === Testimonials === */
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 32px; }
.testimonial {
    background: var(--surface);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 24px;
    box-shadow: var(--shadow-xs);
    display: flex;
    flex-direction: column;
    gap: 12px;
    transition: all .25s ease;
}
.testimonial:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.testimonial img { width: 100%; height: 200px; object-fit: cover; border-radius: var(--radius); border: 1px solid var(--border); }
.stars { color: #f59e0b; font-size: 15px; letter-spacing: 2px; }
.testimonial h3 { margin: 0; font-size: 15px; color: var(--navy); }
.testimonial p { margin: 0; font-size: 13.5px; line-height: 1.6; }

/* === FAQ === */
.faq-wrap { max-width: 820px; margin: 0 auto; display: grid; gap: 10px; }
.faq-item {
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    background: var(--surface);
    transition: border-color .2s ease, box-shadow .2s ease;
}
.faq-item:hover { border-color: rgba(249,115,22,.28); }
.faq-item.open { border-color: rgba(249,115,22,.32); box-shadow: var(--shadow-sm); }
.faq-q {
    width: 100%;
    background: var(--surface);
    border: 0;
    padding: 18px 22px;
    text-align: left;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    color: var(--navy);
    font-size: 15px;
    font-weight: 700;
    cursor: pointer;
    transition: background .2s ease;
    font-family: inherit;
}
.faq-item.open .faq-q,
.faq-q:hover { background: var(--orange-50); }
.faq-icon {
    width: 28px; height: 28px;
    border-radius: var(--radius-full);
    background: var(--orange-100);
    color: var(--orange-dark);
    display: grid;
    place-items: center;
    flex-shrink: 0;
    font-size: 14px;
    font-weight: 900;
    transition: transform .22s ease, background .2s ease;
}
.faq-item.open .faq-icon { background: var(--orange); color: #fff; transform: rotate(180deg); }
.faq-a { display: none; padding: 0 22px 20px; animation: faqFade .2s ease; }
.faq-a p { margin: 0; font-size: 14.5px; line-height: 1.65; color: var(--text-2); }
.faq-item.open .faq-a { display: block; }
@keyframes faqFade { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: none; } }

/* === Page Hero === */
.page-hero {
    min-height: 260px;
    display: grid;
    place-items: center;
    color: #fff;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 60%, rgba(249,115,22,.28) 100%);
    text-align: center;
    position: relative;
    overflow: hidden;
}
.page-hero::before {
    content: '';
    position: absolute; inset: 0;
    background: url('../uploads/default-page-hero.jpg') center/cover no-repeat;
    opacity: .12;
}
.page-hero .container { position: relative; z-index: 1; padding-top: 40px; padding-bottom: 40px; }
.page-hero h1 { margin: 0; font-size: clamp(34px, 6vw, 70px); color: #fff; }
.page-hero p { color: rgba(255,255,255,.8); font-size: 17px; margin: 12px 0 0; }

/* === Filters === */
.filters {
    display: grid;
    grid-template-columns: minmax(180px,1.4fr) repeat(3, minmax(110px,1fr)) auto auto;
    gap: 12px;
    margin-bottom: 24px;
    background: var(--surface);
    padding: 16px;
    border-radius: var(--radius-lg);
    border: 1.5px solid var(--border);
    box-shadow: var(--shadow-sm);
    position: sticky;
    top: 84px;
    z-index: 40;
}
.filters input,
.filters select {
    width: 100%;
    min-height: 44px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius);
    padding: 10px 14px;
    font: inherit;
    font-size: 14px;
    color: var(--text);
    background: var(--surface-2);
    transition: border-color .2s ease, box-shadow .2s ease;
}
.filters input:focus,
.filters select:focus {
    outline: 0;
    border-color: var(--orange);
    box-shadow: 0 0 0 3px rgba(249,115,22,.1);
    background: var(--surface);
}
.filters input::placeholder { color: var(--muted-2); }

/* === Bank Section (products page) === */
.bank-section { margin-top: 48px; }
.bank-heading {
    display: flex;
    align-items: center;
    gap: 16px;
    padding-bottom: 16px;
    margin-bottom: 24px;
    border-bottom: 2px solid var(--border);
}
.bank-heading img {
    width: 44px; height: 44px;
    border-radius: var(--radius);
    object-fit: contain;
    border: 1px solid var(--border);
    padding: 6px;
    background: var(--surface);
}
.bank-heading h2 { margin: 0; font-size: clamp(20px, 3vw, 30px); color: var(--orange-dark); text-transform: uppercase; }

/* === Feature Image === */
.feature-image { border-radius: var(--radius-xl); width: 100%; object-fit: cover; box-shadow: var(--shadow-lg); }

/* === Empty State === */
.empty {
    padding: 56px 24px;
    background: var(--surface);
    border: 2px dashed var(--border);
    border-radius: var(--radius-lg);
    text-align: center;
    color: var(--muted);
}
.empty p { margin: 0; }

/* === Footer === */
.site-footer {
    background: var(--navy);
    padding: 64px 0 32px;
}
.footer-top {
    display: grid;
    grid-template-columns: 1.6fr 1fr 1fr;
    gap: 52px;
    padding-bottom: 44px;
    border-bottom: 1px solid rgba(255,255,255,.08);
    margin-bottom: 28px;
}
.footer-brand strong { font-size: 18px; color: #fff; display: block; margin-bottom: 10px; letter-spacing: -.02em; }
.footer-brand p { font-size: 14px; line-height: 1.65; margin: 0 0 16px; color: rgba(255,255,255,.55); max-width: 320px; }
.footer-disclaimer {
    font-size: 12px;
    line-height: 1.6;
    color: rgba(255,255,255,.38);
    margin: 0;
    padding-top: 12px;
    border-top: 1px solid rgba(255,255,255,.07);
}
.footer-col h4 {
    color: rgba(255,255,255,.9);
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .07em;
    margin-bottom: 16px;
}
.footer-col a {
    display: block;
    color: rgba(255,255,255,.55);
    font-size: 14px;
    margin-bottom: 10px;
    transition: color var(--ease);
}
.footer-col a:hover { color: var(--orange-light); }
.footer-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 12px;
}
.footer-bottom p { margin: 0; font-size: 13px; color: rgba(255,255,255,.4); }
.footer-bottom a { color: rgba(255,255,255,.5); font-size: 13px; transition: color var(--ease); }
.footer-bottom a:hover { color: var(--orange-light); }

/* === Back to Top === */
.back-to-top {
    position: fixed;
    right: 24px;
    bottom: 24px;
    width: 44px; height: 44px;
    display: grid;
    place-items: center;
    background: var(--orange);
    color: #fff;
    border-radius: var(--radius-full);
    font-weight: 900;
    font-size: 18px;
    box-shadow: var(--shadow-orange);
    transition: all var(--ease);
    z-index: 90;
    opacity: 0;
    pointer-events: none;
    transform: translateY(8px);
}
.back-to-top.visible { opacity: 1; pointer-events: auto; transform: translateY(0); }
.back-to-top:hover { background: var(--orange-dark); transform: translateY(-3px); }

/* === Scroll Reveal === */
.reveal-ready { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.reveal-ready.is-visible { opacity: 1; transform: none; }
.reveal-ready:nth-child(2) { transition-delay: .08s; }
.reveal-ready:nth-child(3) { transition-delay: .16s; }
.reveal-ready:nth-child(4) { transition-delay: .24s; }

/* === Reduced Motion === */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: .01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: .01ms !important;
        scroll-behavior: auto !important;
    }
    .reveal-ready { opacity: 1 !important; transform: none !important; }
    .back-to-top { transition: opacity .1ms !important; }
}

/* === Responsive: 1024px === */
@media (max-width: 1024px) {
    .container { width: min(1160px, calc(100% - 40px)); }
    .grid-4 { grid-template-columns: repeat(2, 1fr); }
    .hero-shell { grid-template-columns: 1fr; }
    .hero-panel { max-width: 680px; }
    .category-tiles { grid-template-columns: repeat(2, 1fr); }
    .footer-top { grid-template-columns: 1fr 1fr; }
    .footer-brand { grid-column: 1 / -1; }
}

/* === Responsive: 900px === */
@media (max-width: 900px) {
    .nav-toggle { display: block; }
    .main-nav {
        display: none;
        position: absolute;
        top: 72px; left: 0; right: 0;
        background: rgba(234,88,12,.97);
        backdrop-filter: blur(16px);
        padding: 14px 16px 24px;
        flex-direction: column;
        align-items: stretch;
        gap: 2px;
        border-top: 1px solid rgba(255,255,255,.1);
        box-shadow: 0 16px 32px rgba(15,23,42,.15);
    }
    .main-nav.open { display: flex; }
    .main-nav a { padding: 12px 16px; border-radius: var(--radius); }
    .nav-cta { margin-left: 0; margin-top: 8px; text-align: center; justify-content: center; }
    .grid-2 { grid-template-columns: 1fr; gap: 40px; }
    .grid-3 { grid-template-columns: repeat(2, 1fr); }
    .product-grid { grid-template-columns: repeat(2, 1fr); }
    .testimonial-grid { grid-template-columns: repeat(2, 1fr); }
    .cta-band { grid-template-columns: 1fr; text-align: center; padding: 40px 36px; }
    .cta-band .btn { align-self: center; }
    .section-split { align-items: flex-start; flex-direction: column; }
    .filters { position: static; grid-template-columns: 1fr 1fr; }
    .filters .btn { min-height: 44px; }
    .footer-top { gap: 32px; }
    .trust-items { gap: 20px; }
}

/* === Responsive: 620px === */
@media (max-width: 620px) {
    .container { width: min(100%, calc(100% - 32px)); }
    .section { padding: 56px 0; }
    .nav-wrap { min-height: 64px; }
    .main-nav { top: 64px; }
    .hero-carousel { padding: 18px 0 36px; }
    .home-hero { padding: 52px 0 46px; }
    .hero-search { grid-template-columns: 1fr; }
    .metric-grid { grid-template-columns: 1fr; }
    .category-tiles { grid-template-columns: 1fr; }
    .slide-link { border-radius: var(--radius-lg); }
    .carousel-controls { padding: 0 10px; }
    .carousel-controls button { width: 40px; height: 40px; font-size: 18px; }
    .grid-3, .grid-4, .product-grid, .testimonial-grid { grid-template-columns: 1fr; }
    .filters { grid-template-columns: 1fr; }
    .cta-band { padding: 32px 24px; border-radius: var(--radius-lg); }
    .cta-band::before, .cta-band::after { display: none; }
    .footer-top { grid-template-columns: 1fr; gap: 28px; }
    .footer-bottom { flex-direction: column; align-items: flex-start; }
    .bank-heading { flex-direction: column; align-items: flex-start; }
    .product-card .thumb { height: 160px; }
    .back-to-top { right: 16px; bottom: 16px; width: 40px; height: 40px; font-size: 16px; }
    .trust-items { gap: 16px; }
    .trust-bar { padding: 14px 0; }
}