/* ============================================================
   Landing Pages — StandardBanking CSS
   Works alongside common.css + theme-colors.css
   ============================================================ */

/* ---- Theme Variables ---- */
:root,
[data-theme="light"] {
  --l-bg: #ffffff;
  --l-bg-alt: #f4f7fc;
  --l-bg-card: #ffffff;
  --l-bg-input: #f4f7fc;
  --l-text: #0d1b2a;
  --l-text-muted: #5c677d;
  --l-text-light: #9ba3b5;
  --l-primary: #0466c8;
  --l-primary-hover: #034fa0;
  --l-primary-light: #0f85fa;
  --l-primary-bg: rgba(4,102,200,.08);
  --l-primary-bg-hover: rgba(4,102,200,.14);
  --l-hero-bg: #001233;
  --l-border: #e5e9f0;
  --l-shadow-sm: 0 2px 8px rgba(4,102,200,.06);
  --l-shadow: 0 4px 24px rgba(4,102,200,.12);
  --l-shadow-lg: 0 12px 48px rgba(4,102,200,.18);
  --l-nav-bg: rgba(255,255,255,.96);
  --l-nav-border: rgba(0,18,51,.08);
  --l-footer-bg: #001233;
  --l-footer-text: #a8b4c8;
  --l-footer-heading: #ffffff;
  --l-footer-border: rgba(255,255,255,.08);
  --l-green: #09b66d;
  --l-red: #fd594a;
  --l-teal: #22cce2;
  --l-gold: #f5a623;
  --l-radius: 12px;
  --l-radius-lg: 18px;
  --l-radius-xl: 24px;
  --l-radius-full: 9999px;
}

[data-theme="dark"] {
  --l-bg: #0a1628;
  --l-bg-alt: #0d1f35;
  --l-bg-card: #142033;
  --l-bg-input: #1a2b40;
  --l-text: #e8edf5;
  --l-text-muted: #8fa4c0;
  --l-text-light: #5c7a9a;
  --l-primary: #0f85fa;
  --l-primary-hover: #1a91ff;
  --l-primary-light: #4ba3fb;
  --l-primary-bg: rgba(15,133,250,.12);
  --l-primary-bg-hover: rgba(15,133,250,.20);
  --l-hero-bg: #000c1e;
  --l-border: #1e3050;
  --l-shadow-sm: 0 2px 8px rgba(0,0,0,.25);
  --l-shadow: 0 4px 24px rgba(0,0,0,.4);
  --l-shadow-lg: 0 12px 48px rgba(0,0,0,.55);
  --l-nav-bg: rgba(10,22,40,.96);
  --l-nav-border: rgba(255,255,255,.06);
  --l-footer-bg: #000c1e;
  --l-footer-text: #5c7a9a;
  --l-footer-heading: #e8edf5;
  --l-footer-border: rgba(255,255,255,.06);
  --l-green: #0dcc7a;
  --l-red: #ff6b5e;
  --l-teal: #2dd4e8;
  --l-gold: #ffb84d;
}

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

body.landing-body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--l-text);
  background: var(--l-bg);
  -webkit-font-smoothing: antialiased;
}

body.landing-body a { color: inherit; text-decoration: none; }
body.landing-body img { max-width: 100%; display: block; }
body.landing-body button { cursor: pointer; font-family: inherit; }
body.landing-body ul { list-style: none; }

/* ============================================================
   Navigation
   ============================================================ */
.landing-nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: var(--l-nav-bg);
  border-bottom: 1px solid var(--l-nav-border);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  transition: box-shadow .3s ease;
}
.landing-nav.scrolled { box-shadow: var(--l-shadow); }

.landing-nav__container {
  max-width: 1200px; margin: 0 auto; padding: 0 32px;
  height: 70px; display: flex; align-items: center;
  justify-content: space-between; gap: 24px;
}

.landing-nav__logo {
  display: flex; align-items: center; gap: 10px; flex-shrink: 0; text-decoration: none;
}
.landing-nav__logo-icon {
  width: 36px; height: 36px; background: var(--l-primary);
  border-radius: 10px; display: flex; align-items: center; justify-content: center;
}
.landing-nav__logo-icon svg {
  width: 20px; height: 20px; stroke: white; fill: none;
  stroke-width: 2; stroke-linecap: round; stroke-linejoin: round;
}
.landing-nav__logo-text {
  font-size: 18px; font-weight: 700; color: var(--l-text); letter-spacing: -.3px;
}

.landing-nav__links {
  display: flex; align-items: center; gap: 2px; flex: 1; justify-content: center;
}
.landing-nav__link {
  padding: 8px 13px; font-size: 14px; font-weight: 500;
  color: var(--l-text-muted); border-radius: 8px;
  transition: color .2s, background .2s; white-space: nowrap;
}
.landing-nav__link:hover, .landing-nav__link.active {
  color: var(--l-primary); background: var(--l-primary-bg);
}

.landing-nav__actions { display: flex; align-items: center; gap: 8px; flex-shrink: 0; }

.nav-btn {
  padding: 9px 18px; font-size: 14px; font-weight: 600;
  border-radius: 9px; border: none; transition: all .2s;
  white-space: nowrap; display: inline-flex; align-items: center; gap: 6px;
}
.nav-btn--ghost {
  background: transparent; color: var(--l-text); border: 1.5px solid var(--l-border);
}
.nav-btn--ghost:hover { border-color: var(--l-primary); color: var(--l-primary); background: var(--l-primary-bg); }
.nav-btn--primary { background: var(--l-primary); color: white; }
.nav-btn--primary:hover {
  background: var(--l-primary-hover); transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(4,102,200,.35);
}

.landing-nav__theme-btn {
  width: 38px; height: 38px; border-radius: 10px;
  border: 1.5px solid var(--l-border); background: transparent;
  color: var(--l-text-muted); display: flex; align-items: center; justify-content: center;
  transition: all .2s;
}
.landing-nav__theme-btn:hover { border-color: var(--l-primary); color: var(--l-primary); background: var(--l-primary-bg); }
.landing-nav__theme-btn svg {
  width: 18px; height: 18px; stroke: currentColor; fill: none;
  stroke-width: 2; stroke-linecap: round; stroke-linejoin: round;
}

.landing-nav__mobile-toggle {
  display: none; width: 40px; height: 40px; border: none;
  background: transparent; color: var(--l-text);
  flex-direction: column; justify-content: center; align-items: center;
  gap: 5px; border-radius: 8px; transition: background .2s;
}
.landing-nav__mobile-toggle span {
  display: block; width: 22px; height: 2px;
  background: currentColor; border-radius: 2px; transition: all .3s;
}
.landing-nav__mobile-toggle:hover { background: var(--l-primary-bg); }
.landing-nav__mobile-toggle.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.landing-nav__mobile-toggle.open span:nth-child(2) { opacity: 0; }
.landing-nav__mobile-toggle.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

.landing-nav__mobile-menu {
  display: none; position: fixed; top: 70px; left: 0; right: 0;
  background: var(--l-nav-bg); border-bottom: 1px solid var(--l-nav-border);
  backdrop-filter: blur(20px); padding: 12px 24px 24px; z-index: 999;
}
.landing-nav__mobile-menu.open { display: block; }
.landing-nav__mobile-links { display: flex; flex-direction: column; gap: 2px; margin-bottom: 16px; }
.landing-nav__mobile-links .landing-nav__link { padding: 12px 14px; font-size: 15px; display: block; }
.landing-nav__mobile-actions { display: flex; flex-direction: column; gap: 8px; }
.landing-nav__mobile-actions .nav-btn { width: 100%; justify-content: center; padding: 12px; }

/* ============================================================
   Layout Helpers
   ============================================================ */
.landing-page { padding-top: 70px; min-height: 100vh; }

.l-section { padding: 96px 0; }
.l-section--sm { padding: 64px 0; }
.l-section--alt { background: var(--l-bg-alt); }
.l-section--dark { background: var(--l-hero-bg); }

.l-container { max-width: 1200px; margin: 0 auto; padding: 0 32px; }
.l-container--narrow { max-width: 820px; margin: 0 auto; padding: 0 32px; }

.l-section-header { text-align: center; margin-bottom: 64px; }

.l-section-tag {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 6px 14px; background: var(--l-primary-bg); color: var(--l-primary);
  border-radius: var(--l-radius-full); font-size: 12px; font-weight: 600;
  letter-spacing: .8px; text-transform: uppercase; margin-bottom: 16px;
}

.l-section-title {
  font-size: clamp(28px, 4vw, 42px); font-weight: 800; line-height: 1.12;
  letter-spacing: -.8px; color: var(--l-text); margin-bottom: 16px;
}
.l-section-title span { color: var(--l-primary); }

.l-section-subtitle {
  font-size: 17px; color: var(--l-text-muted);
  max-width: 560px; margin: 0 auto; line-height: 1.7;
}

/* Buttons */
.l-btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 28px; font-size: 15px; font-weight: 600;
  border-radius: 12px; border: none; transition: all .25s;
  cursor: pointer; font-family: inherit; white-space: nowrap; text-decoration: none;
}
.l-btn svg {
  width: 18px; height: 18px; stroke: currentColor; fill: none;
  stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; transition: transform .2s;
}
.l-btn:hover svg { transform: translateX(3px); }

.l-btn--primary { background: var(--l-primary); color: white; }
.l-btn--primary:hover { background: var(--l-primary-hover); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(4,102,200,.4); }

.l-btn--white { background: white; color: #001233; }
.l-btn--white:hover { background: #f0f4ff; transform: translateY(-2px); box-shadow: 0 8px 24px rgba(255,255,255,.2); }

.l-btn--outline { background: transparent; color: rgba(255,255,255,.85); border: 1.5px solid rgba(255,255,255,.25); }
.l-btn--outline:hover { border-color: rgba(255,255,255,.6); color: white; background: rgba(255,255,255,.06); }

.l-btn--outline-dark { background: transparent; color: var(--l-text); border: 1.5px solid var(--l-border); }
.l-btn--outline-dark:hover { border-color: var(--l-primary); color: var(--l-primary); background: var(--l-primary-bg); transform: translateY(-1px); }

/* ============================================================
   Hero (Home)
   ============================================================ */
.l-hero {
  position: relative; background: var(--l-hero-bg);
  min-height: 90vh; display: flex; align-items: center;
  overflow: hidden; padding: 80px 0 64px;
}
.l-hero__grid-bg {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(4,102,200,.07) 1px, transparent 1px),
    linear-gradient(90deg, rgba(4,102,200,.07) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 40%, transparent 100%);
}
.l-hero__glow {
  position: absolute; border-radius: 50%; filter: blur(80px); pointer-events: none;
}
.l-hero__glow--1 { width: 600px; height: 600px; background: rgba(4,102,200,.22); top: -150px; right: -80px; }
.l-hero__glow--2 { width: 400px; height: 400px; background: rgba(34,204,226,.1); bottom: -100px; left: -50px; }

.l-hero__inner {
  max-width: 1200px; margin: 0 auto; padding: 0 32px;
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center;
}

.l-hero__eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 6px 14px 6px 10px;
  background: rgba(4,102,200,.18); border: 1px solid rgba(4,102,200,.3);
  border-radius: var(--l-radius-full); color: #87c2fd;
  font-size: 13px; font-weight: 500; margin-bottom: 24px;
}
.l-hero__eyebrow-dot {
  width: 7px; height: 7px; background: var(--l-teal);
  border-radius: 50%; animation: dot-pulse 2s ease-in-out infinite;
}
@keyframes dot-pulse {
  0%,100% { opacity:1; transform:scale(1); }
  50% { opacity:.4; transform:scale(.75); }
}

.l-hero__title {
  font-size: clamp(38px, 5vw, 64px); font-weight: 800;
  line-height: 1.08; letter-spacing: -2px; color: #ffffff; margin-bottom: 24px;
}
.l-hero__title-accent {
  background: linear-gradient(135deg, #4ba3fb 0%, #22cce2 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}

.l-hero__subtitle {
  font-size: 18px; line-height: 1.7;
  color: rgba(255,255,255,.6); margin-bottom: 40px; max-width: 500px;
}

.l-hero__actions { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

.l-hero__trust {
  display: flex; align-items: center; gap: 24px;
  margin-top: 48px; padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.08); flex-wrap: wrap;
}
.l-hero__trust-item {
  display: flex; align-items: center; gap: 7px;
  color: rgba(255,255,255,.5); font-size: 13px; font-weight: 500;
}
.l-hero__trust-item svg {
  width: 15px; height: 15px; stroke: var(--l-teal); fill: none;
  stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round;
}

/* Card Mockup */
.l-hero__visual { position: relative; display: flex; justify-content: center; align-items: center; }

.l-card-mock {
  width: 340px; height: 210px;
  background: linear-gradient(135deg, #0466c8 0%, #023e7d 100%);
  border-radius: 20px; padding: 28px; position: relative;
  box-shadow: 0 24px 64px rgba(4,102,200,.45);
  transform: perspective(900px) rotateY(-10deg) rotateX(5deg);
  transition: transform .5s ease;
}
.l-card-mock:hover { transform: perspective(900px) rotateY(-5deg) rotateX(2deg); }

.l-card-mock__shine {
  position: absolute; top: 0; left: 0; right: 0; height: 55%;
  background: linear-gradient(180deg, rgba(255,255,255,.09) 0%, transparent 100%);
  border-radius: 20px 20px 0 0; pointer-events: none;
}
.l-card-mock__chip {
  width: 40px; height: 32px;
  background: linear-gradient(135deg, #f5a623, #fdd07a);
  border-radius: 6px; margin-bottom: 28px; position: relative; overflow: hidden;
}
.l-card-mock__chip::before { content:''; position:absolute; top:50%; left:0; right:0; height:1px; background:rgba(0,0,0,.18); }
.l-card-mock__chip::after { content:''; position:absolute; top:0; bottom:0; left:40%; width:1px; background:rgba(0,0,0,.18); }
.l-card-mock__number {
  font-size: 15px; font-weight: 600; color: rgba(255,255,255,.9);
  letter-spacing: 3.5px; margin-bottom: 28px; font-family: 'Courier New', monospace;
}
.l-card-mock__footer { display: flex; align-items: flex-end; justify-content: space-between; }
.l-card-mock__name { font-size: 12px; font-weight: 700; color: rgba(255,255,255,.85); letter-spacing: 1px; text-transform: uppercase; }
.l-card-mock__exp-label { font-size: 9px; color: rgba(255,255,255,.45); text-transform: uppercase; letter-spacing: .5px; }
.l-card-mock__exp { font-size: 13px; font-weight: 700; color: rgba(255,255,255,.9); }
.l-card-mock__circles { display: flex; }
.l-card-mock__circle {
  width: 28px; height: 28px; border-radius: 50%;
}
.l-card-mock__circle:first-child { background: rgba(255,90,90,.65); z-index:1; }
.l-card-mock__circle:last-child { background: rgba(255,180,50,.65); margin-left: -10px; }

.l-float-badge {
  position: absolute;
  background: rgba(255,255,255,.06); backdrop-filter: blur(14px);
  border: 1px solid rgba(255,255,255,.12); border-radius: 14px;
  padding: 12px 16px; display: flex; align-items: center; gap: 10px;
}
.l-float-badge--tr { top: -28px; right: -16px; }
.l-float-badge--bl { bottom: -22px; left: -28px; }
.l-float-badge__icon {
  width: 34px; height: 34px; background: rgba(4,102,200,.3);
  border-radius: 9px; display: flex; align-items: center; justify-content: center;
}
.l-float-badge__icon svg { width:17px; height:17px; stroke:#87c2fd; fill:none; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }
.l-float-badge__val { font-size:17px; font-weight:800; color:white; line-height:1; }
.l-float-badge__lbl { font-size:11px; color:rgba(255,255,255,.45); }

/* ============================================================
   Stats Bar
   ============================================================ */
.l-stats-bar {
  background: var(--l-hero-bg);
  border-top: 1px solid rgba(255,255,255,.06); padding: 48px 0;
}
.l-stats-bar__inner {
  max-width: 1200px; margin: 0 auto; padding: 0 32px;
  display: grid; grid-template-columns: repeat(4,1fr); gap: 32px; text-align: center;
}
.l-stat__val {
  font-size: 38px; font-weight: 800; color: white;
  letter-spacing: -1.5px; line-height: 1; margin-bottom: 8px;
}
.l-stat__val span { color: var(--l-teal); }
.l-stat__lbl { font-size: 14px; color: rgba(255,255,255,.4); font-weight: 500; }

/* ============================================================
   Feature Cards
   ============================================================ */
.l-features-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }

.l-feature-card {
  background: var(--l-bg-card); border: 1px solid var(--l-border);
  border-radius: var(--l-radius-lg); padding: 32px;
  transition: all .3s ease; position: relative; overflow: hidden;
}
.l-feature-card::before {
  content:''; position:absolute; top:0; left:0; right:0; height:3px;
  background: linear-gradient(90deg, var(--l-primary), var(--l-teal));
  transform: scaleX(0); transform-origin: left; transition: transform .3s ease;
}
.l-feature-card:hover { border-color: var(--l-primary); box-shadow: var(--l-shadow); transform: translateY(-4px); }
.l-feature-card:hover::before { transform: scaleX(1); }

.l-feature-card__icon {
  width: 52px; height: 52px; background: var(--l-primary-bg);
  border-radius: var(--l-radius); display: flex; align-items: center;
  justify-content: center; margin-bottom: 20px; transition: background .3s;
}
.l-feature-card:hover .l-feature-card__icon { background: var(--l-primary-bg-hover); }
.l-feature-card__icon svg {
  width: 24px; height: 24px; stroke: var(--l-primary); fill: none;
  stroke-width: 2; stroke-linecap: round; stroke-linejoin: round;
}
.l-feature-card__title { font-size:17px; font-weight:700; color:var(--l-text); margin-bottom:10px; letter-spacing:-.2px; }
.l-feature-card__desc { font-size:14px; line-height:1.65; color:var(--l-text-muted); }

/* ============================================================
   Steps (How It Works)
   ============================================================ */
.l-steps-grid {
  display: grid; grid-template-columns: repeat(3,1fr); gap: 40px; position: relative;
}
.l-steps-grid::before {
  content:''; position:absolute; top:27px;
  left: calc(16.67% + 28px); right: calc(16.67% + 28px);
  height: 2px; background: linear-gradient(90deg, var(--l-primary), var(--l-teal));
}
.l-step { text-align: center; }
.l-step__num {
  width: 56px; height: 56px; background: var(--l-primary); color: white;
  font-size: 20px; font-weight: 800; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px; position: relative; z-index: 1;
  box-shadow: 0 0 0 8px var(--l-primary-bg);
}
.l-step__title { font-size:18px; font-weight:700; color:var(--l-text); margin-bottom:10px; }
.l-step__desc { font-size:14px; color:var(--l-text-muted); line-height:1.65; }

/* ============================================================
   Product Cards
   ============================================================ */
.l-products-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }

.l-product-card {
  background: var(--l-bg-card); border: 1px solid var(--l-border);
  border-radius: var(--l-radius-lg); padding: 28px 22px;
  transition: all .3s; text-align: center; cursor: pointer; text-decoration: none; display: block;
}
.l-product-card:hover { border-color: var(--l-primary); box-shadow: var(--l-shadow); transform: translateY(-4px); }

.l-product-card__icon {
  width: 64px; height: 64px; border-radius: var(--l-radius);
  display: flex; align-items: center; justify-content: center; margin: 0 auto 18px;
}
.l-product-card__icon svg { width:28px; height:28px; fill:none; stroke-width:1.75; stroke-linecap:round; stroke-linejoin:round; }

.l-product-card--blue .l-product-card__icon { background: rgba(4,102,200,.1); }
.l-product-card--blue .l-product-card__icon svg { stroke:#0466c8; }
.l-product-card--green .l-product-card__icon { background: rgba(9,182,109,.1); }
.l-product-card--green .l-product-card__icon svg { stroke:#09b66d; }
.l-product-card--teal .l-product-card__icon { background: rgba(34,204,226,.1); }
.l-product-card--teal .l-product-card__icon svg { stroke:#22cce2; }
.l-product-card--gold .l-product-card__icon { background: rgba(245,166,35,.1); }
.l-product-card--gold .l-product-card__icon svg { stroke:#f5a623; }
.l-product-card--red .l-product-card__icon { background: rgba(253,89,74,.1); }
.l-product-card--red .l-product-card__icon svg { stroke:#fd594a; }
.l-product-card--purple .l-product-card__icon { background: rgba(100,60,200,.1); }
.l-product-card--purple .l-product-card__icon svg { stroke:#6633cc; }

.l-product-card__name { font-size:15px; font-weight:700; color:var(--l-text); margin-bottom:8px; }
.l-product-card__desc { font-size:13px; color:var(--l-text-muted); line-height:1.6; }

/* ============================================================
   Testimonials
   ============================================================ */
.l-testimonials-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }

.l-testi-card {
  background: var(--l-bg-card); border: 1px solid var(--l-border);
  border-radius: var(--l-radius-lg); padding: 28px; transition: all .3s;
}
.l-testi-card:hover { box-shadow: var(--l-shadow); transform: translateY(-2px); }

.l-testi-card__stars { display: flex; gap: 2px; margin-bottom: 16px; }
.l-testi-card__stars svg { width:14px; height:14px; fill:#f5a623; stroke:#f5a623; stroke-width:1; }
.l-testi-card__quote { font-size:32px; color:var(--l-primary); margin-bottom:12px; font-family:Georgia,serif; line-height:1; }
.l-testi-card__text { font-size:15px; line-height:1.7; color:var(--l-text-muted); margin-bottom:22px; }

.l-testi-card__author { display:flex; align-items:center; gap:12px; }
.l-testi-card__avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: linear-gradient(135deg,#0466c8,#22cce2);
  display: flex; align-items: center; justify-content: center;
  font-size: 16px; font-weight: 700; color: white; flex-shrink: 0;
}
.l-testi-card__name { font-size:14px; font-weight:700; color:var(--l-text); }
.l-testi-card__role { font-size:12px; color:var(--l-text-light); }

/* ============================================================
   CTA Block
   ============================================================ */
.l-cta {
  background: linear-gradient(135deg, var(--l-hero-bg) 0%, #023e7d 100%);
  padding: 96px 0; position: relative; overflow: hidden;
}
.l-cta::before {
  content:''; position:absolute; inset:0;
  background-image: linear-gradient(rgba(4,102,200,.09) 1px,transparent 1px), linear-gradient(90deg,rgba(4,102,200,.09) 1px,transparent 1px);
  background-size:48px 48px;
}
.l-cta__inner { position:relative; z-index:1; text-align:center; }
.l-cta__title { font-size:clamp(28px,4vw,46px); font-weight:800; color:white; letter-spacing:-1px; margin-bottom:16px; }
.l-cta__sub { font-size:17px; color:rgba(255,255,255,.6); margin-bottom:40px; max-width:480px; margin-left:auto; margin-right:auto; }
.l-cta__actions { display:flex; align-items:center; justify-content:center; gap:14px; flex-wrap:wrap; }

/* ============================================================
   Page Hero (Interior Pages)
   ============================================================ */
.l-page-hero {
  background: linear-gradient(135deg, var(--l-hero-bg) 0%, #012a5c 100%);
  padding: 80px 0 72px; position: relative; overflow: hidden; text-align: center;
}
.l-page-hero__grid {
  position:absolute; inset:0;
  background-image: linear-gradient(rgba(4,102,200,.07) 1px,transparent 1px), linear-gradient(90deg,rgba(4,102,200,.07) 1px,transparent 1px);
  background-size:48px 48px;
}
.l-page-hero__content { position:relative; z-index:1; }
.l-page-hero__tag {
  display:inline-flex; align-items:center; gap:6px; padding:6px 14px;
  background:rgba(4,102,200,.2); border:1px solid rgba(4,102,200,.35);
  border-radius:var(--l-radius-full); color:#87c2fd;
  font-size:12px; font-weight:600; letter-spacing:.8px; text-transform:uppercase; margin-bottom:20px;
}
.l-page-hero__title {
  font-size:clamp(32px,5vw,54px); font-weight:800; color:white;
  letter-spacing:-1.5px; line-height:1.08; margin-bottom:20px;
}
.l-page-hero__sub {
  font-size:17px; color:rgba(255,255,255,.6); max-width:580px; margin:0 auto; line-height:1.7;
}

/* ============================================================
   About — Values
   ============================================================ */
.l-values-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:20px; }
.l-value-card {
  background:var(--l-bg-card); border:1px solid var(--l-border);
  border-radius:var(--l-radius-lg); padding:28px 22px; text-align:center; transition:all .3s;
}
.l-value-card:hover { border-color:var(--l-primary); transform:translateY(-4px); box-shadow:var(--l-shadow); }
.l-value-card__emoji { font-size:38px; margin-bottom:14px; display:block; }
.l-value-card__title { font-size:16px; font-weight:700; color:var(--l-text); margin-bottom:10px; }
.l-value-card__desc { font-size:13px; color:var(--l-text-muted); line-height:1.6; }

/* Mission */
.l-mission-grid { display:grid; grid-template-columns:1fr 1fr; gap:64px; align-items:center; }
.l-mission__title { font-size:clamp(24px,3.5vw,36px); font-weight:800; color:var(--l-text); letter-spacing:-.8px; margin-bottom:20px; line-height:1.2; }
.l-mission__desc { font-size:16px; color:var(--l-text-muted); line-height:1.75; margin-bottom:16px; }
.l-mission-stats { display:grid; grid-template-columns:1fr 1fr; gap:16px; margin-top:32px; }
.l-mission-stat { background:var(--l-primary-bg); border-radius:var(--l-radius); padding:20px; }
.l-mission-stat__val { font-size:28px; font-weight:800; color:var(--l-primary); letter-spacing:-.8px; margin-bottom:4px; }
.l-mission-stat__lbl { font-size:13px; color:var(--l-text-muted); font-weight:500; }

.l-mission-visual {
  background: linear-gradient(135deg, #001233 0%, #023e7d 100%);
  border-radius:var(--l-radius-xl); padding:40px;
  display:flex; flex-direction:column; gap:14px; min-height:340px; justify-content:center;
}
.l-mission-visual__item {
  background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.1);
  border-radius:12px; padding:16px 20px;
  display:flex; align-items:center; gap:14px;
}
.l-mission-visual__emoji { font-size:22px; }
.l-mission-visual__title { font-size:14px; font-weight:700; color:white; }
.l-mission-visual__sub { font-size:12px; color:rgba(255,255,255,.45); }

/* Timeline */
.l-timeline { position:relative; padding-left:40px; max-width:680px; margin:0 auto; }
.l-timeline::before { content:''; position:absolute; top:8px; bottom:0; left:11px; width:2px; background:linear-gradient(180deg,var(--l-primary),var(--l-teal)); }
.l-timeline-item { position:relative; margin-bottom:36px; }
.l-timeline-item::before {
  content:''; position:absolute; top:4px; left:-33px;
  width:14px; height:14px; background:var(--l-primary); border-radius:50%;
  border:3px solid var(--l-bg); box-shadow:0 0 0 2px var(--l-primary);
}
.l-timeline-item__year { font-size:12px; font-weight:700; color:var(--l-primary); text-transform:uppercase; letter-spacing:1px; margin-bottom:5px; }
.l-timeline-item__title { font-size:17px; font-weight:700; color:var(--l-text); margin-bottom:5px; }
.l-timeline-item__desc { font-size:14px; color:var(--l-text-muted); line-height:1.65; }

/* Team */
.l-team-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:22px; }
.l-team-card {
  background:var(--l-bg-card); border:1px solid var(--l-border);
  border-radius:var(--l-radius-lg); padding:28px 22px; text-align:center; transition:all .3s;
}
.l-team-card:hover { transform:translateY(-4px); box-shadow:var(--l-shadow); border-color:var(--l-primary); }
.l-team-card__avatar {
  width:72px; height:72px; border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  font-size:24px; font-weight:800; color:white; margin:0 auto 16px;
}
.l-team-card:nth-child(1) .l-team-card__avatar { background:linear-gradient(135deg,#0466c8,#023e7d); }
.l-team-card:nth-child(2) .l-team-card__avatar { background:linear-gradient(135deg,#09b66d,#027a4b); }
.l-team-card:nth-child(3) .l-team-card__avatar { background:linear-gradient(135deg,#22cce2,#0353a4); }
.l-team-card:nth-child(4) .l-team-card__avatar { background:linear-gradient(135deg,#f5a623,#e8780a); }
.l-team-card__name { font-size:16px; font-weight:700; color:var(--l-text); margin-bottom:4px; }
.l-team-card__role { font-size:13px; color:var(--l-primary); font-weight:600; margin-bottom:12px; }
.l-team-card__bio { font-size:13px; color:var(--l-text-muted); line-height:1.6; }

/* ============================================================
   Services
   ============================================================ */
.l-services-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.l-service-card {
  background:var(--l-bg-card); border:1px solid var(--l-border);
  border-radius:var(--l-radius-lg); padding:36px 28px; transition:all .3s; position:relative; overflow:hidden;
}
.l-service-card:hover { border-color:var(--l-primary); transform:translateY(-4px); box-shadow:var(--l-shadow-lg); }

.l-service-card__icon {
  width:60px; height:60px; background:var(--l-primary-bg);
  border-radius:16px; display:flex; align-items:center; justify-content:center; margin-bottom:24px;
}
.l-service-card__icon svg { width:28px; height:28px; stroke:var(--l-primary); fill:none; stroke-width:1.75; stroke-linecap:round; stroke-linejoin:round; }
.l-service-card__title { font-size:19px; font-weight:700; color:var(--l-text); margin-bottom:10px; letter-spacing:-.3px; }
.l-service-card__desc { font-size:14px; color:var(--l-text-muted); line-height:1.7; margin-bottom:22px; }
.l-service-card__features { display:flex; flex-direction:column; gap:8px; }
.l-service-card__feat { display:flex; align-items:center; gap:8px; font-size:13px; color:var(--l-text-muted); }
.l-service-card__feat svg { width:14px; height:14px; stroke:var(--l-green); fill:none; stroke-width:2.5; stroke-linecap:round; stroke-linejoin:round; flex-shrink:0; }

.l-security-grid { display:grid; grid-template-columns:1fr 1fr; gap:64px; align-items:center; }
.l-security-badges { display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.l-security-badge {
  background:var(--l-bg-card); border:1px solid var(--l-border);
  border-radius:var(--l-radius); padding:18px; display:flex; align-items:center; gap:12px; transition:all .3s;
}
.l-security-badge:hover { border-color:var(--l-primary); box-shadow:var(--l-shadow-sm); }
.l-security-badge__icon { width:40px; height:40px; background:var(--l-primary-bg); border-radius:10px; display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.l-security-badge__icon svg { width:20px; height:20px; stroke:var(--l-primary); fill:none; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }
.l-security-badge__title { font-size:13px; font-weight:700; color:var(--l-text); margin-bottom:2px; }
.l-security-badge__sub { font-size:11px; color:var(--l-text-light); }

/* ============================================================
   Loans
   ============================================================ */
.l-loans-grid { display:grid; grid-template-columns:repeat(2,1fr); gap:22px; }
.l-loan-card {
  background:var(--l-bg-card); border:1px solid var(--l-border);
  border-radius:var(--l-radius-lg); padding:32px; transition:all .3s; position:relative;
}
.l-loan-card:hover { border-color:var(--l-primary); transform:translateY(-4px); box-shadow:var(--l-shadow); }
.l-loan-card--featured { border-color:var(--l-primary); background:linear-gradient(135deg,var(--l-primary-bg) 0%,var(--l-bg-card) 100%); }

.l-loan-card__badge {
  position:absolute; top:20px; right:20px; background:var(--l-primary); color:white;
  font-size:11px; font-weight:700; letter-spacing:.5px; padding:4px 10px; border-radius:var(--l-radius-full);
}
.l-loan-card__header { display:flex; align-items:center; gap:14px; margin-bottom:18px; }
.l-loan-card__icon { width:52px; height:52px; background:var(--l-primary-bg); border-radius:var(--l-radius); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.l-loan-card__icon svg { width:26px; height:26px; stroke:var(--l-primary); fill:none; stroke-width:1.75; stroke-linecap:round; stroke-linejoin:round; }
.l-loan-card__title { font-size:20px; font-weight:700; color:var(--l-text); letter-spacing:-.3px; }
.l-loan-card__rate { font-size:13px; color:var(--l-green); font-weight:600; }
.l-loan-card__desc { font-size:14px; color:var(--l-text-muted); line-height:1.65; margin-bottom:22px; }

.l-loan-card__meta { display:grid; grid-template-columns:repeat(3,1fr); gap:12px; margin-bottom:22px; padding:16px 0; border-top:1px solid var(--l-border); border-bottom:1px solid var(--l-border); }
.l-meta-label { font-size:11px; font-weight:600; text-transform:uppercase; letter-spacing:.5px; color:var(--l-text-light); margin-bottom:4px; }
.l-meta-value { font-size:15px; font-weight:700; color:var(--l-text); }

/* Loan Calculator */
.l-calc-box {
  background:var(--l-bg-card); border:1px solid var(--l-border);
  border-radius:var(--l-radius-xl); padding:40px; max-width:680px; margin:0 auto;
}
.l-calc-box__title { font-size:22px; font-weight:800; color:var(--l-text); text-align:center; margin-bottom:32px; letter-spacing:-.5px; }
.l-calc-row { display:grid; grid-template-columns:1fr 1fr; gap:22px; margin-bottom:22px; }
.l-calc-field label { display:block; font-size:12px; font-weight:600; color:var(--l-text-muted); margin-bottom:8px; text-transform:uppercase; letter-spacing:.5px; }
.l-calc-wrap { position:relative; }
.l-calc-wrap span { position:absolute; left:14px; top:50%; transform:translateY(-50%); font-size:15px; font-weight:600; color:var(--l-text-muted); }
.l-calc-input {
  width:100%; padding:13px 14px 13px 28px;
  background:var(--l-bg-input); border:1.5px solid var(--l-border);
  border-radius:10px; font-size:16px; font-weight:600; color:var(--l-text);
  font-family:inherit; outline:none; transition:border-color .2s;
}
.l-calc-input:focus { border-color:var(--l-primary); }
.l-calc-input.no-prefix { padding-left:14px; }

.l-calc-result {
  background:linear-gradient(135deg,var(--l-primary) 0%,#023e7d 100%);
  border-radius:14px; padding:24px 28px;
  display:grid; grid-template-columns:repeat(3,1fr); gap:14px; text-align:center;
}
.l-calc-result__lbl { font-size:11px; font-weight:600; text-transform:uppercase; letter-spacing:.8px; color:rgba(255,255,255,.5); margin-bottom:6px; }
.l-calc-result__val { font-size:26px; font-weight:800; color:white; letter-spacing:-.5px; }

/* ============================================================
   Investments
   ============================================================ */
.l-invest-grid { display:grid; grid-template-columns:repeat(2,1fr); gap:22px; }
.l-invest-card {
  background:var(--l-bg-card); border:1px solid var(--l-border);
  border-radius:var(--l-radius-lg); padding:32px; transition:all .3s; position:relative; overflow:hidden;
}
.l-invest-card::after { content:''; position:absolute; bottom:0; left:0; right:0; height:3px; }
.l-invest-card--blue::after { background:linear-gradient(90deg,#0466c8,#0f85fa); }
.l-invest-card--green::after { background:linear-gradient(90deg,#09b66d,#0dcc7a); }
.l-invest-card--teal::after { background:linear-gradient(90deg,#22cce2,#0466c8); }
.l-invest-card--gold::after { background:linear-gradient(90deg,#f5a623,#fdbf5e); }
.l-invest-card:hover { transform:translateY(-4px); box-shadow:var(--l-shadow); border-color:var(--l-primary); }

.l-invest-card__top { display:flex; align-items:flex-start; justify-content:space-between; margin-bottom:18px; }
.l-invest-card__icon { width:52px; height:52px; border-radius:var(--l-radius); display:flex; align-items:center; justify-content:center; }
.l-invest-card--blue .l-invest-card__icon { background:rgba(4,102,200,.1); }
.l-invest-card--green .l-invest-card__icon { background:rgba(9,182,109,.1); }
.l-invest-card--teal .l-invest-card__icon { background:rgba(34,204,226,.1); }
.l-invest-card--gold .l-invest-card__icon { background:rgba(245,166,35,.1); }
.l-invest-card__icon svg { width:26px; height:26px; fill:none; stroke-width:1.75; stroke-linecap:round; stroke-linejoin:round; }
.l-invest-card--blue .l-invest-card__icon svg { stroke:#0466c8; }
.l-invest-card--green .l-invest-card__icon svg { stroke:#09b66d; }
.l-invest-card--teal .l-invest-card__icon svg { stroke:#22cce2; }
.l-invest-card--gold .l-invest-card__icon svg { stroke:#f5a623; }

.l-invest-card__rate-wrap { text-align:right; }
.l-invest-card__rate-lbl { font-size:11px; font-weight:600; text-transform:uppercase; letter-spacing:.5px; color:var(--l-text-light); margin-bottom:2px; }
.l-invest-card__rate-val { font-size:24px; font-weight:800; color:var(--l-green); letter-spacing:-.5px; }

.l-invest-card__title { font-size:20px; font-weight:700; color:var(--l-text); margin-bottom:10px; letter-spacing:-.3px; }
.l-invest-card__desc { font-size:14px; color:var(--l-text-muted); line-height:1.65; margin-bottom:22px; }

.l-invest-card__feats { display:flex; flex-direction:column; gap:8px; margin-bottom:22px; }
.l-invest-card__feat { display:flex; align-items:center; gap:8px; font-size:13px; color:var(--l-text-muted); }
.l-invest-card__feat svg { width:14px; height:14px; stroke:var(--l-green); fill:none; stroke-width:2.5; stroke-linecap:round; stroke-linejoin:round; flex-shrink:0; }

.l-invest-card__link { display:inline-flex; align-items:center; gap:6px; font-size:14px; font-weight:600; color:var(--l-primary); transition:gap .2s; }
.l-invest-card:hover .l-invest-card__link { gap:10px; }
.l-invest-card__link svg { width:16px; height:16px; stroke:currentColor; fill:none; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }

/* Risk Profiles */
.l-risk-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; }
.l-risk-card {
  background:var(--l-bg-card); border:1px solid var(--l-border);
  border-radius:var(--l-radius); padding:24px; text-align:center; transition:all .3s;
}
.l-risk-card:hover { transform:translateY(-3px); box-shadow:var(--l-shadow-sm); }
.l-risk-badge { font-size:12px; font-weight:700; padding:5px 14px; border-radius:var(--l-radius-full); display:inline-block; margin-bottom:14px; }
.l-risk-card--low .l-risk-badge { background:rgba(9,182,109,.12); color:#09b66d; }
.l-risk-card--medium .l-risk-badge { background:rgba(245,166,35,.12); color:#f5a623; }
.l-risk-card--high .l-risk-badge { background:rgba(253,89,74,.12); color:#fd594a; }
.l-risk-card__title { font-size:15px; font-weight:700; color:var(--l-text); margin-bottom:8px; }
.l-risk-card__desc { font-size:13px; color:var(--l-text-muted); line-height:1.6; margin-bottom:14px; }
.l-risk-card__ret { font-size:22px; font-weight:800; color:var(--l-text); }

/* ============================================================
   Contact
   ============================================================ */
.l-contact-grid { display:grid; grid-template-columns:1fr 1.6fr; gap:64px; align-items:start; }
.l-contact-info__title { font-size:24px; font-weight:800; color:var(--l-text); margin-bottom:10px; letter-spacing:-.5px; }
.l-contact-info__sub { font-size:15px; color:var(--l-text-muted); line-height:1.65; margin-bottom:36px; }

.l-contact-items { display:flex; flex-direction:column; gap:20px; margin-bottom:32px; }
.l-contact-item { display:flex; align-items:flex-start; gap:16px; }
.l-contact-item__icon { width:44px; height:44px; background:var(--l-primary-bg); border-radius:12px; display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.l-contact-item__icon svg { width:20px; height:20px; stroke:var(--l-primary); fill:none; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }
.l-contact-item__lbl { font-size:12px; font-weight:600; text-transform:uppercase; letter-spacing:.8px; color:var(--l-text-light); margin-bottom:3px; }
.l-contact-item__val { font-size:15px; font-weight:600; color:var(--l-text); }

.l-hours-box { background:var(--l-bg-alt); border-radius:var(--l-radius); padding:20px; }
.l-hours-box__title { font-size:12px; font-weight:700; text-transform:uppercase; letter-spacing:.8px; color:var(--l-text-muted); margin-bottom:12px; }
.l-hours-row { display:flex; justify-content:space-between; padding:8px 0; border-bottom:1px solid var(--l-border); font-size:14px; }
.l-hours-row:last-child { border-bottom:none; }
.l-hours-day { color:var(--l-text-muted); }
.l-hours-time { color:var(--l-text); font-weight:600; }

.l-form-box {
  background:var(--l-bg-card); border:1px solid var(--l-border);
  border-radius:var(--l-radius-xl); padding:40px;
}
.l-form-box__title { font-size:22px; font-weight:800; color:var(--l-text); margin-bottom:28px; letter-spacing:-.5px; }
.l-form-row { display:grid; grid-template-columns:1fr 1fr; gap:20px; margin-bottom:20px; }
.l-form-group { margin-bottom:20px; }
.l-form-group label { display:block; font-size:12px; font-weight:600; color:var(--l-text-muted); margin-bottom:8px; text-transform:uppercase; letter-spacing:.4px; }
.l-form-input, .l-form-select, .l-form-textarea {
  width:100%; padding:13px 16px;
  background:var(--l-bg-input); border:1.5px solid var(--l-border);
  border-radius:10px; font-size:15px; color:var(--l-text);
  font-family:inherit; outline:none; transition:border-color .2s, box-shadow .2s;
}
.l-form-input:focus, .l-form-select:focus, .l-form-textarea:focus { border-color:var(--l-primary); box-shadow:0 0 0 3px var(--l-primary-bg); }
.l-form-textarea { min-height:120px; resize:vertical; }
.l-form-select { cursor:pointer; appearance:none; background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='none' stroke='%235c677d' stroke-width='2' viewBox='0 0 24 24'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat:no-repeat; background-position:right 14px center; padding-right:40px; }
[data-theme="dark"] .l-form-select { background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='none' stroke='%238fa4c0' stroke-width='2' viewBox='0 0 24 24'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); }

/* ============================================================
   Footer
   ============================================================ */
.l-footer { background:var(--l-footer-bg); padding:72px 0 0; }
.l-footer__inner { max-width:1200px; margin:0 auto; padding:0 32px; display:grid; grid-template-columns:1.5fr 1fr 1fr 1fr; gap:48px; margin-bottom:48px; }

.l-footer__logo { display:flex; align-items:center; gap:10px; margin-bottom:16px; }
.l-footer__logo-icon { width:36px; height:36px; background:var(--l-primary); border-radius:10px; display:flex; align-items:center; justify-content:center; }
.l-footer__logo-icon svg { width:20px; height:20px; stroke:white; fill:none; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }
.l-footer__logo-text { font-size:18px; font-weight:700; color:var(--l-footer-heading); }
.l-footer__about { font-size:14px; color:var(--l-footer-text); line-height:1.7; margin-bottom:22px; }
.l-footer__social { display:flex; gap:8px; }
.l-footer__soc-link { width:35px; height:35px; background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.08); border-radius:9px; display:flex; align-items:center; justify-content:center; color:var(--l-footer-text); transition:all .2s; }
.l-footer__soc-link:hover { background:var(--l-primary); border-color:var(--l-primary); color:white; }
.l-footer__soc-link svg { width:15px; height:15px; stroke:currentColor; fill:none; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }

.l-footer__col-title { font-size:12px; font-weight:700; color:var(--l-footer-heading); text-transform:uppercase; letter-spacing:.8px; margin-bottom:18px; }
.l-footer__links { display:flex; flex-direction:column; gap:9px; }
.l-footer__link { font-size:14px; color:var(--l-footer-text); transition:color .2s; }
.l-footer__link:hover { color:var(--l-primary-light); }

.l-footer__bottom { max-width:1200px; margin:0 auto; padding:20px 32px; border-top:1px solid var(--l-footer-border); display:flex; align-items:center; justify-content:space-between; gap:16px; }
.l-footer__copy { font-size:13px; color:var(--l-footer-text); }
.l-footer__legal { display:flex; gap:18px; }
.l-footer__legal-link { font-size:13px; color:var(--l-footer-text); transition:color .2s; }
.l-footer__legal-link:hover { color:var(--l-primary-light); }
.l-footer__badges { display:flex; gap:8px; }
.l-footer__badge { background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.1); border-radius:5px; padding:4px 9px; font-size:10px; font-weight:700; color:rgba(255,255,255,.35); text-transform:uppercase; letter-spacing:.5px; }

/* ============================================================
   Animations
   ============================================================ */
.l-anim { opacity:0; transform:translateY(24px); transition:opacity .6s ease, transform .6s ease; }
.l-anim.visible { opacity:1; transform:translateY(0); }
.l-anim--d1 { transition-delay:.1s; }
.l-anim--d2 { transition-delay:.2s; }
.l-anim--d3 { transition-delay:.3s; }
.l-anim--d4 { transition-delay:.4s; }
.l-anim--d5 { transition-delay:.5s; }

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width:1024px) {
  .l-hero__inner { grid-template-columns:1fr; }
  .l-hero__visual { display:none; }
  .l-hero { min-height:auto; padding:80px 0; text-align:center; }
  .l-hero__subtitle { margin-left:auto; margin-right:auto; }
  .l-hero__actions { justify-content:center; }
  .l-hero__trust { justify-content:center; }
  .l-stats-bar__inner { grid-template-columns:repeat(2,1fr); }
  .l-features-grid { grid-template-columns:repeat(2,1fr); }
  .l-products-grid { grid-template-columns:repeat(2,1fr); }
  .l-testimonials-grid { grid-template-columns:1fr 1fr; }
  .l-values-grid { grid-template-columns:repeat(2,1fr); }
  .l-team-grid { grid-template-columns:repeat(2,1fr); }
  .l-security-grid { grid-template-columns:1fr; gap:40px; }
  .l-mission-grid { grid-template-columns:1fr; gap:40px; }
  .l-contact-grid { grid-template-columns:1fr; gap:40px; }
  .l-footer__inner { grid-template-columns:1fr 1fr; gap:40px; }
}

@media (max-width:768px) {
  .landing-nav__links,.landing-nav__actions { display:none; }
  .landing-nav__mobile-toggle { display:flex; }
  .l-container { padding:0 20px; }
  .l-section { padding:64px 0; }
  .l-section-header { margin-bottom:40px; }
  .l-hero { padding:60px 0; }
  .l-hero__inner { padding:0 20px; }
  .l-hero__title { letter-spacing:-1px; }
  .l-steps-grid { grid-template-columns:1fr; gap:32px; }
  .l-steps-grid::before { display:none; }
  .l-testimonials-grid { grid-template-columns:1fr; }
  .l-loans-grid { grid-template-columns:1fr; }
  .l-invest-grid { grid-template-columns:1fr; }
  .l-risk-grid { grid-template-columns:1fr; }
  .l-services-grid { grid-template-columns:1fr; }
  .l-security-badges { grid-template-columns:1fr; }
  .l-calc-box { padding:24px; }
  .l-calc-row { grid-template-columns:1fr; }
  .l-calc-result { grid-template-columns:1fr; gap:10px; }
  .l-form-box { padding:24px; }
  .l-form-row { grid-template-columns:1fr; }
  .l-footer__inner { grid-template-columns:1fr; gap:32px; }
  .l-footer__bottom { flex-direction:column; text-align:center; gap:12px; }
  .l-cta { padding:64px 0; }
  .l-page-hero { padding:60px 0 52px; }
  .l-stats-bar__inner { gap:24px; }
  .l-mission-stats { grid-template-columns:1fr 1fr; }
}

@media (max-width:480px) {
  .l-products-grid { grid-template-columns:1fr 1fr; }
  .l-values-grid { grid-template-columns:1fr 1fr; }
  .l-team-grid { grid-template-columns:1fr 1fr; }
  .l-features-grid { grid-template-columns:1fr; }
  .l-stats-bar__inner { grid-template-columns:1fr 1fr; }
  .l-stat__val { font-size:28px; }
}