/* KreditSlovak — Hlavný štýl */
:root {
    --navy:   #0D1B2A;
    --navy2:  #162437;
    --gold:   #C9A84C;
    --gold2:  #e0c06a;
    --white:  #ffffff;
    --light:  #f7f8fc;
    --gray:   #6b7280;
    --border: #e5e7eb;
    --text:   #1f2937;
    --radius: 12px;
    --shadow: 0 8px 30px rgba(13,27,42,0.10);
    --trans:  all 0.3s ease;
}

*,*::before,*::after { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; }
body { font-family:'Inter',sans-serif; color:var(--text); background:var(--white); line-height:1.7; overflow-x:hidden; }
img { max-width:100%; display:block; }
a { text-decoration:none; color:inherit; }
ul { list-style:none; }

.container { max-width:1180px; margin:0 auto; padding:0 24px; }
section { padding:90px 0; }

/* ── BOUTONS ── */
.btn { display:inline-flex; align-items:center; gap:8px; padding:14px 32px; border-radius:50px; font-weight:600; font-size:15px; transition:var(--trans); cursor:pointer; border:none; }
.btn-gold  { background:var(--gold); color:var(--navy); }
.btn-gold:hover  { background:var(--gold2); transform:translateY(-2px); box-shadow:0 8px 24px rgba(201,168,76,0.35); }
.btn-outline { background:transparent; color:var(--white); border:2px solid rgba(255,255,255,0.5); }
.btn-outline:hover { border-color:var(--gold); color:var(--gold); transform:translateY(-2px); }
.btn-navy { background:var(--navy); color:var(--white); }
.btn-navy:hover { background:var(--navy2); transform:translateY(-2px); box-shadow:var(--shadow); }

/* ── TOPBAR ── */
.topbar { background:var(--navy); padding:9px 0; font-size:13px; color:rgba(255,255,255,0.75); }
.topbar-inner { display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:8px; }
.topbar-left,.topbar-right { display:flex; gap:20px; }
.topbar-left span,.topbar-right span { display:flex; align-items:center; gap:6px; }
.topbar-left i,.topbar-right i { color:var(--gold); font-size:12px; }

/* ── NAVBAR ── */
.navbar { background:rgba(13,27,42,0.97); backdrop-filter:blur(12px); position:sticky; top:0; z-index:900; border-bottom:1px solid rgba(255,255,255,0.06); }
.nav-inner { display:flex; align-items:center; justify-content:space-between; height:70px; gap:16px; }
.logo { font-family:'Playfair Display',serif; font-size:24px; font-weight:700; color:var(--white); letter-spacing:0.5px; }
.logo span { color:var(--gold); }

.nav-links { display:flex; align-items:center; gap:2px; }
.nav-links a { color:rgba(255,255,255,0.8); font-size:14px; font-weight:500; padding:8px 14px; border-radius:8px; transition:var(--trans); display:flex; align-items:center; gap:5px; }
.nav-links a:hover,.nav-links a.active { color:var(--gold); background:rgba(201,168,76,0.1); }
.nav-links .fas.fa-chevron-down { font-size:10px; }

/* Dropdown */
.has-drop { position:relative; }
.drop { display:none; position:absolute; top:calc(100% + 6px); left:0; background:var(--white); min-width:210px; border-radius:var(--radius); box-shadow:var(--shadow); border-top:3px solid var(--gold); overflow:hidden; }
.has-drop:hover .drop { display:block; animation:fadeDown 0.2s ease; }
.drop li a { color:var(--text); padding:11px 18px; font-size:13px; display:block; border-radius:0; transition:var(--trans); }
.drop li a:hover { background:var(--light); color:var(--gold); padding-left:24px; }

.btn-nav { background:var(--gold); color:var(--navy); padding:9px 20px; border-radius:50px; font-size:13px; font-weight:700; white-space:nowrap; transition:var(--trans); }
.btn-nav:hover { background:var(--gold2); transform:translateY(-1px); }

.burger { display:none; flex-direction:column; gap:5px; background:none; border:none; cursor:pointer; padding:4px; }
.burger span { display:block; width:24px; height:2px; background:var(--white); border-radius:2px; transition:var(--trans); }

/* ── PAGE HERO (internes) ── */
.page-hero { background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%); padding:80px 0 60px; }
.page-hero h1 { font-family:'Playfair Display',serif; font-size:clamp(28px,4vw,46px); color:var(--white); font-weight:700; margin-bottom:12px; }
.page-hero h1 span { color:var(--gold); }
.page-hero p { font-size:16px; color:rgba(255,255,255,0.7); max-width:540px; }
.breadcrumb { display:flex; align-items:center; gap:8px; font-size:13px; color:rgba(255,255,255,0.45); margin-bottom:18px; }
.breadcrumb a { color:var(--gold); }
.breadcrumb i { font-size:9px; }

/* ── SECTION HEADER ── */
.s-header { text-align:center; max-width:600px; margin:0 auto 56px; }
.tag { display:inline-block; background:rgba(201,168,76,0.12); color:var(--gold); font-size:11px; font-weight:700; letter-spacing:1.5px; text-transform:uppercase; padding:6px 16px; border-radius:50px; margin-bottom:14px; }
.s-header h2 { font-family:'Playfair Display',serif; font-size:clamp(26px,3.5vw,40px); font-weight:700; color:var(--navy); line-height:1.25; margin-bottom:14px; }
.s-header h2 span { color:var(--gold); }
.s-header p { font-size:16px; color:var(--gray); }

/* ── HERO HOME ── */
.hero { min-height:88vh; display:flex; align-items:center; background:var(--navy); position:relative; overflow:hidden; }
.hero-bg { position:absolute; inset:0; background:url('../assets/img/hero.jpg') center/cover no-repeat; opacity:0.15; }
.hero-overlay { position:absolute; inset:0; background:linear-gradient(120deg,rgba(13,27,42,0.98) 40%,rgba(13,27,42,0.5)); }
.hero-inner { position:relative; z-index:2; display:grid; grid-template-columns:1fr 380px; gap:60px; align-items:center; }
.hero-badge { display:inline-flex; align-items:center; gap:8px; background:rgba(201,168,76,0.12); border:1px solid rgba(201,168,76,0.3); color:var(--gold); font-size:12px; font-weight:600; padding:7px 16px; border-radius:50px; margin-bottom:24px; letter-spacing:0.5px; }
.hero h1 { font-family:'Playfair Display',serif; font-size:clamp(34px,4.5vw,58px); color:var(--white); font-weight:700; line-height:1.18; margin-bottom:20px; }
.hero h1 span { color:var(--gold); }
.hero-desc { font-size:17px; color:rgba(255,255,255,0.72); margin-bottom:36px; max-width:520px; }
.hero-btns { display:flex; gap:14px; flex-wrap:wrap; }
.hero-stats { display:flex; gap:32px; margin-top:48px; flex-wrap:wrap; }
.hero-stat strong { display:block; font-size:28px; font-weight:800; color:var(--gold); }
.hero-stat span { font-size:13px; color:rgba(255,255,255,0.55); }

/* Carte calculatrice hero */
.hero-calc { background:var(--white); border-radius:var(--radius); padding:32px; box-shadow:0 24px 60px rgba(0,0,0,0.3); }
.hero-calc h3 { font-size:18px; font-weight:700; color:var(--navy); margin-bottom:4px; }
.hero-calc > p { font-size:13px; color:var(--gray); margin-bottom:22px; }
.calc-field { margin-bottom:16px; }
.calc-field label { display:block; font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:0.8px; color:var(--navy); margin-bottom:7px; }
.calc-field input,.calc-field select { width:100%; padding:11px 14px; border:2px solid var(--border); border-radius:8px; font-size:14px; font-family:'Inter',sans-serif; outline:none; transition:var(--trans); }
.calc-field input:focus,.calc-field select:focus { border-color:var(--gold); }
.calc-result { background:var(--light); border-radius:8px; padding:14px 18px; margin:18px 0; display:flex; justify-content:space-between; align-items:center; }
.calc-result .lbl { font-size:12px; color:var(--gray); }
.calc-result .amt { font-size:24px; font-weight:800; color:var(--navy); }
.hero-calc .btn { width:100%; justify-content:center; font-size:14px; }

/* ── SERVICES ── */
.services { background:var(--light); }
.services-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(250px,1fr)); gap:24px; }
.service-card { background:var(--white); border-radius:var(--radius); padding:36px 28px; text-align:center; transition:var(--trans); border:1px solid transparent; position:relative; overflow:hidden; }
.service-card::after { content:''; position:absolute; bottom:0; left:0; right:0; height:3px; background:var(--gold); transform:scaleX(0); transition:var(--trans); }
.service-card:hover { transform:translateY(-6px); box-shadow:var(--shadow); border-color:var(--border); }
.service-card:hover::after { transform:scaleX(1); }
.s-icon { width:68px; height:68px; background:rgba(201,168,76,0.1); border-radius:50%; display:flex; align-items:center; justify-content:center; margin:0 auto 22px; font-size:26px; color:var(--gold); transition:var(--trans); }
.service-card:hover .s-icon { background:var(--gold); color:var(--white); }
.service-card h3 { font-size:18px; font-weight:700; color:var(--navy); margin-bottom:10px; }
.service-card p { font-size:14px; color:var(--gray); line-height:1.7; margin-bottom:18px; }
.s-link { color:var(--gold); font-size:13px; font-weight:600; display:inline-flex; align-items:center; gap:6px; transition:var(--trans); }
.s-link:hover { gap:10px; }

/* ── ABOUT ── */
.about { background:var(--white); }
.about-grid { display:grid; grid-template-columns:1fr 1fr; gap:70px; align-items:center; }
.about-img-wrap { position:relative; }
.about-img-main { width:100%; border-radius:var(--radius); box-shadow:var(--shadow); }
.about-img-badge { position:absolute; bottom:-20px; right:-20px; background:var(--gold); color:var(--navy); border-radius:50%; width:110px; height:110px; display:flex; flex-direction:column; align-items:center; justify-content:center; font-weight:800; font-size:11px; text-align:center; line-height:1.3; box-shadow:var(--shadow); }
.about-img-badge strong { font-size:30px; display:block; }
.about-content .tag { text-align:left; display:inline-block; }
.about-content h2 { font-family:'Playfair Display',serif; font-size:clamp(24px,3vw,38px); font-weight:700; color:var(--navy); line-height:1.25; margin-bottom:16px; }
.about-content h2 span { color:var(--gold); }
.about-content > p { font-size:15px; color:var(--gray); margin-bottom:26px; }
.about-list { margin-bottom:32px; }
.about-list li { display:flex; align-items:flex-start; gap:12px; margin-bottom:13px; font-size:15px; }
.about-list li i { color:var(--gold); font-size:16px; margin-top:3px; flex-shrink:0; }

/* ── PROCESSUS ── */
.process { background:var(--navy); }
.process .s-header h2 { color:var(--white); }
.process .s-header p { color:rgba(255,255,255,0.55); }
.process-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:0; position:relative; }
.process-grid::before { content:''; position:absolute; top:38px; left:12%; right:12%; height:2px; background:linear-gradient(90deg,var(--gold),rgba(201,168,76,0.15)); }
.process-step { text-align:center; padding:0 16px; position:relative; }
.step-num { width:76px; height:76px; background:var(--gold); color:var(--navy); border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:24px; font-weight:800; margin:0 auto 22px; position:relative; z-index:1; box-shadow:0 6px 20px rgba(201,168,76,0.3); transition:var(--trans); }
.process-step:hover .step-num { transform:scale(1.1); }
.process-step h3 { font-size:16px; font-weight:700; color:var(--white); margin-bottom:8px; }
.process-step p { font-size:13px; color:rgba(255,255,255,0.55); }

/* ── TYPES DE PÔŽIČKY ── */
.loans { background:var(--light); }
.loans-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(260px,1fr)); gap:24px; }
.loan-card { background:var(--white); border-radius:var(--radius); overflow:hidden; box-shadow:0 4px 16px rgba(0,0,0,0.05); transition:var(--trans); }
.loan-card:hover { transform:translateY(-5px); box-shadow:var(--shadow); }
.loan-card-img { height:190px; overflow:hidden; }
.loan-card-img img { width:100%; height:100%; object-fit:cover; transition:transform 0.5s ease; }
.loan-card:hover .loan-card-img img { transform:scale(1.06); }
.loan-card-body { padding:26px; }
.loan-card-body h3 { font-size:18px; font-weight:700; color:var(--navy); margin-bottom:8px; }
.loan-card-body p { font-size:13px; color:var(--gray); margin-bottom:16px; line-height:1.7; }
.loan-rate { background:var(--light); border-radius:8px; padding:10px 14px; display:flex; justify-content:space-between; align-items:center; margin-bottom:16px; }
.loan-rate .r-lbl { font-size:11px; color:var(--gray); }
.loan-rate .r-val { font-size:20px; font-weight:800; color:var(--navy); }
.loan-rate .r-val small { font-size:12px; font-weight:400; color:var(--gray); }

/* ── RÉFÉRENCES ── */
.refs { background:var(--white); }
.refs-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.ref-card { background:var(--light); border-radius:var(--radius); padding:32px 28px; border:1px solid transparent; transition:var(--trans); }
.ref-card:hover { border-color:var(--gold); background:var(--white); box-shadow:var(--shadow); }
.ref-quote { font-size:40px; color:var(--gold); opacity:0.35; font-family:Georgia,serif; line-height:1; margin-bottom:10px; }
.ref-card p { font-size:14px; color:var(--text); font-style:italic; margin-bottom:20px; line-height:1.8; }
.ref-author { display:flex; align-items:center; gap:12px; }
.ref-avatar { width:44px; height:44px; background:var(--gold); border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:16px; font-weight:700; color:var(--navy); flex-shrink:0; }
.ref-info strong { display:block; font-size:14px; color:var(--navy); font-weight:700; }
.ref-info span { font-size:12px; color:var(--gray); }
.stars { color:#f59e0b; font-size:12px; margin-top:2px; }

/* ── CTA ── */
.cta { background:linear-gradient(135deg,var(--navy),var(--navy2)); }
.cta-inner { display:grid; grid-template-columns:1fr auto; align-items:center; gap:40px; }
.cta h2 { font-family:'Playfair Display',serif; font-size:clamp(22px,3vw,36px); color:var(--white); font-weight:700; margin-bottom:8px; }
.cta p { color:rgba(255,255,255,0.65); font-size:15px; }
.cta-btns { display:flex; gap:14px; flex-shrink:0; }

/* ── FORMULAIRES ── */
.form-section { background:var(--light); }
.form-wrap { display:grid; grid-template-columns:2fr 1fr; gap:40px; align-items:start; }
.form-card { background:var(--white); border-radius:var(--radius); padding:44px; box-shadow:var(--shadow); }
.form-card h2 { font-family:'Playfair Display',serif; font-size:26px; color:var(--navy); margin-bottom:6px; }
.form-card > p { font-size:13px; color:var(--gray); margin-bottom:28px; }
.form-grid { display:grid; grid-template-columns:1fr 1fr; gap:20px; }
.fg { display:flex; flex-direction:column; gap:7px; }
.fg.full { grid-column:1/-1; }
.fg label { font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:0.6px; color:var(--navy); }
.fg input,.fg select,.fg textarea { padding:12px 16px; border:2px solid var(--border); border-radius:8px; font-size:14px; font-family:'Inter',sans-serif; outline:none; transition:var(--trans); background:var(--light); width:100%; }
.fg input:focus,.fg select:focus,.fg textarea:focus { border-color:var(--gold); background:var(--white); }
.fg textarea { min-height:130px; resize:vertical; }
.form-submit { margin-top:24px; }
.alert { padding:14px 18px; border-radius:8px; font-size:14px; display:flex; align-items:center; gap:10px; margin-bottom:22px; }
.alert-ok  { background:#d1fae5; color:#065f46; border:1px solid #a7f3d0; }
.alert-err { background:#fee2e2; color:#991b1b; border:1px solid #fca5a5; }
.form-side { display:flex; flex-direction:column; gap:20px; }
.side-box { background:var(--white); border-radius:var(--radius); padding:28px; box-shadow:var(--shadow); }
.side-box.dark { background:var(--navy); }
.side-box h3 { font-size:16px; font-weight:700; color:var(--navy); margin-bottom:14px; }
.side-box.dark h3 { color:var(--gold); }
.contact-info { display:flex; flex-direction:column; gap:16px; }
.ci { display:flex; align-items:flex-start; gap:14px; }
.ci-icon { width:40px; height:40px; background:rgba(201,168,76,0.1); border-radius:50%; display:flex; align-items:center; justify-content:center; color:var(--gold); font-size:15px; flex-shrink:0; }
.side-box.dark .ci-icon { background:rgba(201,168,76,0.15); }
.ci-text strong { display:block; font-size:13px; font-weight:600; color:var(--navy); margin-bottom:2px; }
.side-box.dark .ci-text strong { color:var(--white); }
.ci-text span { font-size:13px; color:var(--gray); }
.side-box.dark .ci-text span { color:rgba(255,255,255,0.6); }

/* ── KALKULAČKA PAGE ── */
.kalk-grid { display:grid; grid-template-columns:1fr 1fr; gap:40px; align-items:start; }
.kalk-card { background:var(--white); border-radius:var(--radius); padding:40px; box-shadow:var(--shadow); }
.range-field { margin-bottom:24px; }
.range-field label { display:flex; justify-content:space-between; align-items:center; margin-bottom:10px; }
.range-field label span { font-size:11px; font-weight:700; text-transform:uppercase; letter-spacing:0.6px; color:var(--navy); }
.range-field label strong { font-size:18px; font-weight:800; color:var(--gold); }
input[type=range] { width:100%; height:5px; -webkit-appearance:none; background:var(--border); border-radius:3px; outline:none; margin-bottom:6px; }
input[type=range]::-webkit-slider-thumb { -webkit-appearance:none; width:20px; height:20px; background:var(--gold); border-radius:50%; cursor:pointer; box-shadow:0 2px 8px rgba(201,168,76,0.4); }
.range-hints { display:flex; justify-content:space-between; font-size:11px; color:var(--gray); }
.res-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:16px; margin-top:28px; }
.res-box { background:var(--light); border-radius:10px; padding:20px; text-align:center; }
.res-box.hl { background:var(--navy); }
.res-box .r-lbl { font-size:11px; text-transform:uppercase; letter-spacing:1px; color:var(--gray); margin-bottom:6px; }
.res-box.hl .r-lbl { color:rgba(255,255,255,0.5); }
.res-box .r-val { font-size:24px; font-weight:800; color:var(--navy); }
.res-box.hl .r-val { color:var(--gold); }

/* ── PAGE PÔŽIČKY ── */
.loan-detail { padding:80px 0; border-bottom:1px solid var(--border); }
.loan-detail:last-of-type { border-bottom:none; }
.loan-detail-grid { display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center; }
.loan-detail-grid.rev { direction:rtl; }
.loan-detail-grid.rev > * { direction:ltr; }
.loan-detail img { width:100%; border-radius:var(--radius); box-shadow:var(--shadow); }
.loan-detail h2 { font-family:'Playfair Display',serif; font-size:clamp(24px,3vw,36px); color:var(--navy); font-weight:700; margin-bottom:14px; }
.loan-detail h2 span { color:var(--gold); }
.loan-detail > div > p { font-size:15px; color:var(--gray); margin-bottom:20px; line-height:1.8; }
.loan-features { display:grid; grid-template-columns:1fr 1fr; gap:12px; margin-bottom:28px; }
.lf { background:var(--light); border-radius:8px; padding:14px 16px; display:flex; align-items:center; gap:10px; font-size:14px; font-weight:500; color:var(--navy); }
.lf i { color:var(--gold); }
.loan-rate-badge { display:inline-flex; align-items:center; gap:12px; background:var(--navy); border-radius:10px; padding:14px 22px; margin-bottom:28px; }
.loan-rate-badge .lrb-lbl { font-size:12px; color:rgba(255,255,255,0.5); }
.loan-rate-badge .lrb-val { font-size:22px; font-weight:800; color:var(--gold); }

/* ── O NÁS ── */
.team-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(220px,1fr)); gap:28px; }
.team-card { background:var(--light); border-radius:var(--radius); padding:32px 24px; text-align:center; transition:var(--trans); }
.team-card:hover { background:var(--white); box-shadow:var(--shadow); transform:translateY(-4px); }
.team-avatar { width:80px; height:80px; background:var(--gold); border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:28px; font-weight:800; color:var(--navy); margin:0 auto 18px; }
.team-card h3 { font-size:16px; font-weight:700; color:var(--navy); margin-bottom:4px; }
.team-card span { font-size:13px; color:var(--gray); }
.values-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(200px,1fr)); gap:24px; }
.value-item { text-align:center; padding:32px 20px; }
.v-icon { width:64px; height:64px; background:rgba(201,168,76,0.1); border-radius:50%; display:flex; align-items:center; justify-content:center; margin:0 auto 18px; font-size:24px; color:var(--gold); }
.value-item h3 { font-size:16px; font-weight:700; color:var(--navy); margin-bottom:8px; }
.value-item p { font-size:13px; color:var(--gray); }

/* ── PARTNERI ── */
.partners { background:var(--light); padding:60px 0; }
.partners p { text-align:center; font-size:12px; color:var(--gray); text-transform:uppercase; letter-spacing:2px; margin-bottom:36px; }
.partners-logos { display:flex; justify-content:center; align-items:center; gap:48px; flex-wrap:wrap; }
.partners-logos span { font-size:17px; font-weight:800; color:var(--border); letter-spacing:1px; text-transform:uppercase; transition:var(--trans); }
.partners-logos span:hover { color:var(--gold); }

/* ── FOOTER ── */
.footer { background:var(--navy); padding:72px 0 0; }
.footer-grid { display:grid; grid-template-columns:2fr 1fr 1fr 1.4fr; gap:48px; padding-bottom:56px; }
.footer-logo { font-family:'Playfair Display',serif; font-size:26px; font-weight:700; color:var(--white); margin-bottom:16px; }
.footer-col > p { font-size:13px; color:rgba(255,255,255,0.55); line-height:1.8; margin-bottom:22px; }
.footer-social { display:flex; gap:10px; }
.footer-social a { width:36px; height:36px; background:rgba(255,255,255,0.07); border-radius:50%; display:flex; align-items:center; justify-content:center; color:rgba(255,255,255,0.6); font-size:13px; transition:var(--trans); }
.footer-social a:hover { background:var(--gold); color:var(--navy); }
.footer-col h4 { font-size:14px; font-weight:700; color:var(--white); margin-bottom:20px; padding-bottom:10px; border-bottom:2px solid var(--gold); display:inline-block; }
.footer-col ul li { margin-bottom:9px; }
.footer-col ul li a { font-size:13px; color:rgba(255,255,255,0.55); display:flex; align-items:center; gap:7px; transition:var(--trans); }
.footer-col ul li a:hover { color:var(--gold); padding-left:4px; }
.footer-contact li { display:flex; gap:10px; margin-bottom:12px; font-size:13px; color:rgba(255,255,255,0.55); align-items:flex-start; }
.footer-contact li i { color:var(--gold); margin-top:3px; flex-shrink:0; }
.footer-bottom { border-top:1px solid rgba(255,255,255,0.07); padding:22px 0; }
.footer-bottom-inner { display:flex; justify-content:space-between; align-items:center; gap:16px; flex-wrap:wrap; }
.footer-bottom p { font-size:12px; color:rgba(255,255,255,0.35); }
.disclaimer { font-style:italic; }

/* ── ANIMATIONS ── */
@keyframes fadeDown { from{opacity:0;transform:translateY(-8px)} to{opacity:1;transform:translateY(0)} }
.reveal { opacity:0; transform:translateY(32px); transition:opacity 0.65s ease, transform 0.65s ease; }
.reveal.visible { opacity:1; transform:translateY(0); }

/* ── RESPONSIVE ── */
@media(max-width:1100px) {
    .hero-inner { grid-template-columns:1fr; }
    .hero-calc { display:none; }
    .process-grid { grid-template-columns:repeat(2,1fr); gap:40px; }
    .process-grid::before { display:none; }
    .footer-grid { grid-template-columns:1fr 1fr; gap:36px; }
    .about-grid,.loan-detail-grid { grid-template-columns:1fr; gap:36px; }
    .loan-detail-grid.rev { direction:ltr; }
    .kalk-grid { grid-template-columns:1fr; }
}
@media(max-width:768px) {
    .topbar { display:none; }
    .nav-links { display:none; flex-direction:column; position:fixed; top:70px; left:0; right:0; background:var(--navy); padding:16px; gap:0; z-index:888; }
    .nav-links.open { display:flex; }
    .nav-links a { padding:13px 16px; }
    .btn-nav { display:none; }
    .burger { display:flex; }
    .drop { position:static; box-shadow:none; border-top:none; border-left:3px solid var(--gold); }
    .has-drop:hover .drop { display:none; }
    .has-drop.open .drop { display:block; }
    .hero { min-height:auto; padding:70px 0 60px; }
    .hero-stats { gap:20px; }
    .refs-grid { grid-template-columns:1fr; }
    .cta-inner { grid-template-columns:1fr; text-align:center; }
    .cta-btns { justify-content:center; }
    .form-wrap { grid-template-columns:1fr; }
    .form-grid { grid-template-columns:1fr; }
    .form-card { padding:28px 20px; }
    .res-grid { grid-template-columns:1fr; }
    .loan-features { grid-template-columns:1fr; }
    .footer-grid { grid-template-columns:1fr; gap:28px; }
    section { padding:60px 0; }
    .values-grid { grid-template-columns:1fr 1fr; }
}
@media(max-width:480px) {
    .values-grid,.team-grid { grid-template-columns:1fr; }
}