/* ============================================
   InvestorCard — Premium Business Credit Marketplace
   ============================================ */

:root {
  --bg: #0a0f1e;
  --blue: #3b82f6;
  --gold: #f59e0b;
  --white: #f0f4ff;
  --card: #111827;
  --border: #1e2d4a;
  --text: #cbd5e1;
  --text-muted: #64748b;
  --green: #10b981;
  --purple: #8b5cf6;
  --red: #ef4444;
  --orange: #f97316;
  --cyan: #06b6d4;
  --pink: #ec4899;
  --card-hover: #1a2540;
  --section-bg: #0d1526;
}

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--bg);
  color: var(--white);
  line-height: 1.6;
  font-size: 16px;
}

a {
  text-decoration: none;
  color: inherit;
}

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

.text-gold { color: var(--gold); }
.text-blue { color: var(--blue); }
.text-green { color: var(--green); }
.text-muted { color: var(--text-muted); }

.section-title {
  font-size: 2rem;
  font-weight: 800;
  color: var(--white);
  text-align: center;
  margin-bottom: 12px;
}

.section-sub {
  color: var(--text);
  text-align: center;
  font-size: 1.05rem;
  margin-bottom: 48px;
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 24px;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  transition: all 0.2s ease;
  border: none;
  text-decoration: none;
  white-space: nowrap;
}

.btn-lg {
  padding: 16px 32px;
  font-size: 1.05rem;
}

.btn-blue {
  background: var(--blue);
  color: #fff;
}
.btn-blue:hover {
  background: #2563eb;
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(59, 130, 246, 0.4);
}

.btn-gold {
  background: var(--gold);
  color: #0a0f1e;
}
.btn-gold:hover {
  background: #d97706;
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(245, 158, 11, 0.4);
}

.btn-apply {
  flex: 1;
  text-align: center;
  font-size: 0.95rem;
  padding: 12px 20px;
}

.btn-learn {
  color: var(--blue);
  font-weight: 600;
  font-size: 0.9rem;
  padding: 12px 16px;
  transition: color 0.2s;
}
.btn-learn:hover { color: #93c5fd; }

.reset-btn {
  background: var(--blue);
  color: white;
  border: none;
  padding: 8px 16px;
  border-radius: 6px;
  cursor: pointer;
  font-size: 0.9rem;
  margin-left: 8px;
}

/* ============================================
   NAVBAR
   ============================================ */
.navbar {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(10, 15, 30, 0.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}

.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  height: 64px;
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--white);
  flex-shrink: 0;
}

.logo-icon { font-size: 1.4rem; }
.logo-accent { color: var(--gold); }

.nav-links {
  display: flex;
  gap: 8px;
  flex: 1;
}

.nav-link {
  color: var(--text);
  font-size: 0.9rem;
  font-weight: 500;
  padding: 8px 12px;
  border-radius: 6px;
  transition: all 0.2s;
}
.nav-link:hover, .nav-link.active {
  color: var(--white);
  background: rgba(59, 130, 246, 0.1);
}

.nav-cta {
  margin-left: auto;
  font-size: 0.85rem;
  padding: 10px 18px;
}

.hamburger {
  display: none;
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.5rem;
  cursor: pointer;
  margin-left: auto;
}

.mobile-menu {
  display: none;
  flex-direction: column;
  background: var(--card);
  border-top: 1px solid var(--border);
  padding: 16px 24px;
  gap: 4px;
}
.mobile-menu.open { display: flex; }
.mobile-link {
  color: var(--text);
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
  font-weight: 500;
}
.mobile-link:last-child { border-bottom: none; }

/* ============================================
   HERO
   ============================================ */
.hero {
  background: linear-gradient(135deg, #0a0f1e 0%, #0d1a3a 50%, #0a0f1e 100%);
  padding: 100px 24px 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  left: 50%;
  transform: translateX(-50%);
  width: 800px;
  height: 800px;
  background: radial-gradient(circle, rgba(59, 130, 246, 0.08) 0%, transparent 70%);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  max-width: 800px;
  margin: 0 auto;
}

.hero-badge {
  display: inline-block;
  background: rgba(245, 158, 11, 0.1);
  border: 1px solid rgba(245, 158, 11, 0.3);
  color: var(--gold);
  padding: 6px 16px;
  border-radius: 999px;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 28px;
  letter-spacing: 0.3px;
}

.hero-headline {
  font-size: clamp(2.5rem, 6vw, 4rem);
  font-weight: 900;
  line-height: 1.1;
  margin-bottom: 24px;
  letter-spacing: -1px;
}

.hero-sub {
  font-size: 1.15rem;
  color: var(--text);
  max-width: 640px;
  margin: 0 auto 40px;
  line-height: 1.7;
}

.hero-ctas {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
}

.badge {
  background: rgba(255,255,255,0.05);
  border: 1px solid var(--border);
  color: var(--text);
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 0.85rem;
  font-weight: 500;
}

/* ============================================
   WHY SECTION
   ============================================ */
.why-section {
  background: var(--section-bg);
  padding: 80px 24px;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}

.why-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 32px;
  transition: transform 0.2s, box-shadow 0.2s;
}
.why-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 48px rgba(0,0,0,0.4);
}

.why-icon {
  font-size: 2.5rem;
  margin-bottom: 16px;
}

.why-card h3 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}

.why-card p {
  color: var(--text);
  font-size: 0.95rem;
  line-height: 1.7;
}

/* ============================================
   FILTER BAR
   ============================================ */
.filter-section {
  padding: 64px 24px 0;
}

.filter-bar {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 24px;
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  position: sticky;
  top: 64px;
  z-index: 50;
}

.filter-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.filter-label {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.8px;
}

.filter-buttons {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
}

.filter-btn {
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--border);
  color: var(--text);
  padding: 6px 14px;
  border-radius: 6px;
  font-size: 0.82rem;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.15s;
  white-space: nowrap;
}
.filter-btn:hover {
  background: rgba(59, 130, 246, 0.15);
  border-color: var(--blue);
  color: var(--white);
}
.filter-btn.active {
  background: var(--blue);
  border-color: var(--blue);
  color: #fff;
  font-weight: 600;
}

/* ============================================
   CARDS SECTION
   ============================================ */
.cards-section {
  padding: 32px 24px 80px;
}

.cards-grid {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.card-item {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 16px;
  display: flex;
  overflow: hidden;
  transition: all 0.2s ease;
}
.card-item:hover {
  border-color: rgba(59, 130, 246, 0.4);
  box-shadow: 0 8px 32px rgba(0,0,0,0.4);
  transform: translateY(-2px);
}

.card-left-border {
  width: 5px;
  flex-shrink: 0;
  border-radius: 16px 0 0 16px;
}
.border-blue   { background: var(--blue); }
.border-green  { background: var(--green); }
.border-gold   { background: var(--gold); }
.border-purple { background: var(--purple); }
.border-red    { background: var(--red); }
.border-orange { background: var(--orange); }
.border-cyan   { background: var(--cyan); }
.border-pink   { background: var(--pink); }

.card-content {
  flex: 1;
  padding: 24px 28px;
}

.card-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 12px;
  flex-wrap: wrap;
}

.card-badges {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 6px;
}

.badge-tag {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 999px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.3px;
}

.badge-popular {
  background: rgba(59, 130, 246, 0.2);
  border: 1px solid rgba(59, 130, 246, 0.4);
  color: #93c5fd;
}

.badge-limit {
  background: rgba(245, 158, 11, 0.2);
  border: 1px solid rgba(245, 158, 11, 0.4);
  color: var(--gold);
}

.badge-nopg {
  background: rgba(16, 185, 129, 0.2);
  border: 1px solid rgba(16, 185, 129, 0.4);
  color: #6ee7b7;
}

.card-name {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 4px;
}

.card-issuer {
  color: var(--text-muted);
  font-size: 0.85rem;
}

.card-rating {
  text-align: right;
  flex-shrink: 0;
}

.stars {
  color: var(--gold);
  font-size: 1.1rem;
  letter-spacing: 2px;
  line-height: 1;
}

.star-half {
  color: var(--gold);
  opacity: 0.8;
}

.star-empty {
  color: var(--text-muted);
}

.rating-text {
  font-size: 0.75rem;
  color: var(--text-muted);
  font-weight: 500;
}

.card-best-tag {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 6px;
  font-size: 0.78rem;
  font-weight: 600;
  margin-bottom: 16px;
}

.tag-everyday  { background: rgba(59,130,246,0.15); color: #93c5fd; }
.tag-contractor { background: rgba(16,185,129,0.15); color: #6ee7b7; }
.tag-highvolume { background: rgba(245,158,11,0.15); color: var(--gold); }
.tag-varied    { background: rgba(139,92,246,0.15); color: #c4b5fd; }
.tag-materials { background: rgba(239,68,68,0.15); color: #fca5a5; }
.tag-builder   { background: rgba(249,115,22,0.15); color: #fdba74; }
.tag-nopg      { background: rgba(6,182,212,0.15); color: #67e8f9; }

.card-stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 12px;
  margin-bottom: 20px;
  padding: 16px;
  background: rgba(255,255,255,0.02);
  border-radius: 10px;
  border: 1px solid rgba(255,255,255,0.04);
}

.stat {
  display: flex;
  flex-direction: column;
  gap: 3px;
}

.stat-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  color: var(--text-muted);
  font-weight: 600;
}

.stat-value {
  font-size: 0.88rem;
  color: var(--white);
  font-weight: 500;
}

.stat-value small {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.card-actions {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 12px;
}

.card-disclaimer {
  font-size: 0.72rem;
  color: var(--text-muted);
  font-style: italic;
}

.no-results {
  text-align: center;
  padding: 48px;
  color: var(--text);
  font-size: 1rem;
}

/* ============================================
   APPROVAL SECTION
   ============================================ */
.approval-section {
  background: var(--section-bg);
  padding: 80px 24px;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.tips-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
  margin-bottom: 48px;
}

.tip-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 28px;
  transition: transform 0.2s;
}
.tip-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 32px rgba(0,0,0,0.4);
}

.tip-icon {
  font-size: 2rem;
  margin-bottom: 14px;
}

.tip-card h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
}

.tip-card p {
  font-size: 0.9rem;
  color: var(--text);
  line-height: 1.7;
}

.approval-cta {
  text-align: center;
}

.approval-cta p {
  color: var(--text);
  margin-bottom: 16px;
  font-size: 1.05rem;
}

/* ============================================
   QUIZ PAGE
   ============================================ */
.quiz-hero {
  background: linear-gradient(135deg, #0a0f1e 0%, #0d1a3a 100%);
  padding: 80px 24px 60px;
  text-align: center;
}

.quiz-container {
  max-width: 720px;
  margin: 0 auto;
  padding: 40px 24px 80px;
}

.quiz-progress {
  display: flex;
  gap: 6px;
  margin-bottom: 36px;
}

.progress-step {
  flex: 1;
  height: 4px;
  border-radius: 2px;
  background: var(--border);
  transition: background 0.3s;
}
.progress-step.done { background: var(--blue); }
.progress-step.active { background: var(--gold); }

.quiz-card {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 40px;
}

.quiz-step { display: none; }
.quiz-step.active { display: block; }

.quiz-q-num {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 8px;
}

.quiz-question {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 28px;
  line-height: 1.3;
}

.quiz-options {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.quiz-option {
  background: rgba(255,255,255,0.03);
  border: 2px solid var(--border);
  border-radius: 12px;
  padding: 16px 20px;
  cursor: pointer;
  font-size: 0.95rem;
  color: var(--text);
  font-weight: 500;
  transition: all 0.2s;
  text-align: left;
}
.quiz-option:hover, .quiz-option.selected {
  border-color: var(--blue);
  background: rgba(59, 130, 246, 0.1);
  color: var(--white);
}

.quiz-nav {
  display: flex;
  justify-content: space-between;
  margin-top: 28px;
  gap: 12px;
}

.quiz-back {
  background: transparent;
  border: 1px solid var(--border);
  color: var(--text);
  padding: 12px 24px;
  border-radius: 8px;
  cursor: pointer;
  font-size: 0.9rem;
  font-weight: 500;
  transition: all 0.2s;
}
.quiz-back:hover {
  border-color: var(--text);
  color: var(--white);
}

/* Results */
.quiz-results { display: none; }
.quiz-results.active { display: block; }

.results-intro {
  text-align: center;
  margin-bottom: 36px;
}

.results-intro h2 {
  font-size: 2rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 8px;
}

.results-intro p { color: var(--text); }

.result-cards {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.result-card {
  background: var(--card);
  border: 2px solid var(--border);
  border-radius: 16px;
  padding: 24px;
  position: relative;
}

.result-card.top-pick {
  border-color: var(--gold);
}

.top-pick-badge {
  position: absolute;
  top: -12px;
  left: 24px;
  background: var(--gold);
  color: #0a0f1e;
  padding: 4px 14px;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 800;
}

.result-card h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 4px;
}

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

.quiz-retake {
  text-align: center;
  margin-top: 32px;
}

.quiz-retake button {
  background: transparent;
  border: 1px solid var(--border);
  color: var(--text);
  padding: 10px 20px;
  border-radius: 8px;
  cursor: pointer;
  font-size: 0.9rem;
  transition: all 0.2s;
}
.quiz-retake button:hover {
  border-color: var(--blue);
  color: var(--white);
}

/* ============================================
   GUIDE PAGE
   ============================================ */
.guide-hero {
  background: linear-gradient(135deg, #0a0f1e 0%, #0d1a3a 100%);
  padding: 80px 24px 60px;
  text-align: center;
}

.guide-container {
  max-width: 800px;
  margin: 0 auto;
  padding: 60px 24px 80px;
}

.guide-toc {
  background: var(--card);
  border: 1px solid var(--border);
  border-left: 4px solid var(--blue);
  border-radius: 12px;
  padding: 24px 28px;
  margin-bottom: 48px;
}

.guide-toc h3 {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--text-muted);
  margin-bottom: 12px;
  font-weight: 700;
}

.guide-toc ol {
  padding-left: 20px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.guide-toc a {
  color: var(--blue);
  font-size: 0.9rem;
  transition: color 0.2s;
}
.guide-toc a:hover { color: #93c5fd; }

.guide-section {
  margin-bottom: 56px;
}

.guide-section h2 {
  font-size: 1.7rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--border);
}

.guide-section h3 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--white);
  margin: 24px 0 12px;
}

.guide-section p {
  color: var(--text);
  font-size: 0.97rem;
  line-height: 1.8;
  margin-bottom: 16px;
}

.guide-section ul, .guide-section ol {
  padding-left: 22px;
  margin-bottom: 16px;
}

.guide-section li {
  color: var(--text);
  font-size: 0.97rem;
  line-height: 1.8;
  margin-bottom: 8px;
}

.callout {
  background: rgba(59, 130, 246, 0.08);
  border: 1px solid rgba(59, 130, 246, 0.3);
  border-left: 4px solid var(--blue);
  border-radius: 10px;
  padding: 20px 24px;
  margin: 24px 0;
}

.callout p {
  color: var(--white);
  margin-bottom: 0;
  font-size: 0.95rem;
}

.callout-gold {
  background: rgba(245, 158, 11, 0.08);
  border-color: rgba(245, 158, 11, 0.3);
  border-left-color: var(--gold);
}

/* ============================================
   LEGAL PAGES
   ============================================ */
.legal-hero {
  background: linear-gradient(135deg, #0a0f1e 0%, #0d1a3a 100%);
  padding: 60px 24px 40px;
  text-align: center;
}

.legal-container {
  max-width: 800px;
  margin: 0 auto;
  padding: 48px 24px 80px;
}

.legal-container h2 {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--white);
  margin: 36px 0 12px;
}

.legal-container h3 {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--white);
  margin: 24px 0 8px;
}

.legal-container p {
  color: var(--text);
  font-size: 0.93rem;
  line-height: 1.8;
  margin-bottom: 12px;
}

.legal-container ul {
  padding-left: 20px;
  margin-bottom: 12px;
}

.legal-container li {
  color: var(--text);
  font-size: 0.93rem;
  line-height: 1.8;
  margin-bottom: 6px;
}

.legal-date {
  font-size: 0.82rem;
  color: var(--text-muted);
  margin-bottom: 36px;
}

.legal-contact {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 20px 24px;
  margin-top: 48px;
}

.legal-contact p {
  margin-bottom: 4px;
}

.legal-contact a {
  color: var(--blue);
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: #070b17;
  border-top: 1px solid var(--border);
  padding: 60px 24px 0;
}

.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  gap: 48px;
  flex-wrap: wrap;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--border);
}

.footer-brand {
  max-width: 280px;
}

.footer-tagline {
  color: var(--text-muted);
  font-size: 0.88rem;
  margin-top: 12px;
  line-height: 1.5;
}

.footer-links {
  display: flex;
  gap: 48px;
  flex-wrap: wrap;
}

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

.footer-col h4 {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--text-muted);
  margin-bottom: 4px;
}

.footer-col a {
  color: var(--text);
  font-size: 0.88rem;
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--white); }

.footer-disclosure {
  max-width: 1200px;
  margin: 0 auto;
  padding: 24px 0 40px;
}

.footer-disclosure p {
  color: var(--text-muted);
  font-size: 0.8rem;
  line-height: 1.7;
  margin-bottom: 8px;
}

.footer-disclosure a { color: var(--blue); }

.footer-legal {
  font-size: 0.75rem !important;
  color: #3d4a5c !important;
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-cta { display: none; }
  .hamburger { display: block; }

  .hero { padding: 64px 20px 56px; }
  .hero-headline { font-size: 2.2rem; }

  .filter-bar {
    gap: 16px;
    padding: 16px;
    position: static;
  }

  .card-content { padding: 18px 20px; }
  .card-stats {
    grid-template-columns: 1fr 1fr;
  }

  .card-header {
    flex-direction: column;
    align-items: flex-start;
  }

  .card-rating {
    text-align: left;
  }

  .section-title { font-size: 1.6rem; }

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

  .footer-inner { flex-direction: column; gap: 32px; }
  .footer-links { gap: 32px; }

  .quiz-card { padding: 28px 20px; }
  .quiz-question { font-size: 1.25rem; }
}

@media (max-width: 480px) {
  .tips-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .trust-badges { gap: 8px; }
  .badge { font-size: 0.78rem; padding: 5px 10px; }
  .card-stats { grid-template-columns: 1fr; }
  .hero-ctas { flex-direction: column; align-items: center; }
}