/* ============================================
   TRANSACT — Toss-inspired Design System
   Clean, minimal Korean fintech aesthetic
   Font: Pretendard | Primary: #3182f6
   ============================================ */

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

:root {
  /* Toss Color Palette */
  --blue: #3182f6;
  --blue-hover: #1b64da;
  --blue-light: #e8f3ff;
  --blue-50: rgba(49, 130, 246, 0.05);
  --blue-10: rgba(49, 130, 246, 0.10);
  --blue-15: rgba(49, 130, 246, 0.15);
  --blue-20: rgba(49, 130, 246, 0.20);

  --gray-50: #f2f4f6;
  --gray-100: #e5e8eb;
  --gray-200: #d1d6db;
  --gray-300: #b0b8c1;
  --gray-400: #8b95a1;
  --gray-500: #6b7684;
  --gray-600: #4e5968;
  --gray-700: #333d4b;
  --gray-800: #191f28;
  --gray-900: #17171c;

  --green: #00c471;
  --green-light: #e8faf0;
  --green-10: rgba(0, 196, 113, 0.10);
  --green-15: rgba(0, 196, 113, 0.15);

  --amber: #f59e0b;
  --amber-light: #fef3cd;
  --amber-10: rgba(245, 158, 11, 0.10);

  --red: #f04452;
  --red-light: #ffebee;
  --red-10: rgba(240, 68, 82, 0.10);

  --violet: #7c3aed;
  --violet-10: rgba(124, 58, 237, 0.10);
  --rose: #e11d48;
  --rose-10: rgba(225, 29, 72, 0.10);

  /* Semantic */
  --bg: #ffffff;
  --surface: var(--gray-50);
  --fg: var(--gray-800);
  --fg-secondary: var(--gray-600);
  --fg-tertiary: var(--gray-400);
  --border: var(--gray-100);

  /* Radius — generous, Toss-style */
  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 16px;
  --r-xl: 20px;
  --r-2xl: 24px;
  --r-full: 9999px;

  /* Shadows — soft & minimal */
  --shadow-xs: 0 1px 2px rgba(0,0,0,0.04);
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.04);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.06);
  --shadow-lg: 0 8px 24px rgba(0,0,0,0.08);
  --shadow-xl: 0 12px 40px rgba(0,0,0,0.12);

  --ease: cubic-bezier(0.33, 1, 0.68, 1);
}

/* ---- Dark Mode ---- */
[data-theme="dark"] {
  --bg: #17171c;
  --surface: #1e2128;
  --fg: #f2f4f6;
  --fg-secondary: #8b95a1;
  --fg-tertiary: #6b7684;
  --border: #2c3038;
  --gray-50: #1e2128;
  --gray-100: #2c3038;
  --gray-200: #3a3f4a;
  --gray-300: #4a5060;
  --green-light: rgba(0, 196, 113, 0.08);
  --shadow-sm: 0 2px 8px rgba(0,0,0,0.2);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.25);
  --shadow-lg: 0 8px 24px rgba(0,0,0,0.35);
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: 'Pretendard Variable', 'Pretendard', -apple-system, BlinkMacSystemFont,
    system-ui, 'Segoe UI', Roboto, 'Helvetica Neue', sans-serif;
  color: var(--fg);
  background: var(--bg);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-text-size-adjust: 100%;
  letter-spacing: -0.02em;
}

a { text-decoration: none; color: inherit; transition: color 0.2s; }
img { max-width: 100%; display: block; }

/* ---- Layout ---- */
.container { width: 100%; max-width: 1140px; margin: 0 auto; padding: 0 24px; }
.section { padding: 100px 0; }
.section-muted { background: var(--surface); }
.section-dark {
  background: var(--gray-900);
}
.grid { display: grid; gap: 20px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* ---- Typography ---- */
h1, h2, h3, h4 { color: var(--fg); line-height: 1.35; font-weight: 700; letter-spacing: -0.03em; }
.text-xs { font-size: 12px; line-height: 1.5; }
.text-sm { font-size: 14px; line-height: 1.5; }
.text-center { text-align: center; }
.text-muted { color: var(--fg-secondary) !important; }
.text-muted-light { color: rgba(255,255,255,0.55) !important; }
.text-white { color: #fff !important; }
.text-primary { color: var(--blue) !important; }
.text-accent { color: var(--blue) !important; }
.fw-600 { font-weight: 600; }
.mt-3 { margin-top: 12px; }
.link { color: var(--blue); font-weight: 600; }
.link:hover { text-decoration: underline; }

/* ---- Section Header ---- */
.section-header { text-align: center; margin-bottom: 48px; }
.section-header h2 {
  font-size: 32px; font-weight: 700;
  margin: 8px 0 12px; line-height: 1.35;
}
.section-header p {
  font-size: 17px; max-width: 520px; margin: 0 auto;
  color: var(--fg-secondary); line-height: 1.7;
}

/* ---- Badges ---- */
.badge {
  display: inline-flex; align-items: center;
  padding: 6px 14px; border-radius: var(--r-full);
  font-size: 13px; font-weight: 600; line-height: 1.4;
}
.badge-blue { background: var(--blue-10); color: var(--blue); }
.badge-blue-subtle { background: var(--blue-50); color: var(--blue); }
.badge-gold { background: var(--amber-10); color: #92400e; border: 1px solid rgba(245,158,11,0.15); }
.badge-green-subtle { background: var(--green-10); color: var(--green); }
.badge-dark-subtle { background: rgba(255,255,255,0.08); color: rgba(255,255,255,0.65); }

/* ---- Buttons ---- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 12px 24px; border-radius: var(--r-md);
  font-weight: 600; font-size: 15px; border: none;
  cursor: pointer; transition: all 0.2s var(--ease);
  font-family: inherit; gap: 8px; white-space: nowrap;
  letter-spacing: -0.01em;
}
.btn:active { transform: scale(0.97); }
.btn-sm { padding: 8px 16px; font-size: 14px; }
.btn-lg { padding: 16px 32px; font-size: 17px; border-radius: var(--r-lg); }
.btn-block { width: 100%; }

.btn-primary {
  background: var(--blue); color: #fff;
}
.btn-primary:hover { background: var(--blue-hover); }

.btn-accent {
  background: var(--blue); color: #fff; font-weight: 700;
}
.btn-accent:hover { background: var(--blue-hover); }

.btn-outline-light {
  background: rgba(255,255,255,0.08); color: #fff;
  border: 1px solid rgba(255,255,255,0.15);
}
.btn-outline-light:hover {
  background: rgba(255,255,255,0.14);
  border-color: rgba(255,255,255,0.3);
}

/* ---- Cards ---- */
.card {
  background: #fff; color: var(--fg);
  border: 1px solid var(--gray-100);
  border-radius: var(--r-xl); padding: 24px;
}
.card-glass {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.08);
  backdrop-filter: blur(20px);
  color: #fff;
}
.card-feature {
  padding: 32px 28px;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s;
}
.card-feature:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.card-review {
  display: flex; flex-direction: column; gap: 16px;
}
.card-review p {
  flex: 1; font-size: 15px; line-height: 1.8; color: var(--fg-secondary);
}

/* ---- Icon Box ---- */
.icon-box {
  width: 48px; height: 48px; border-radius: var(--r-md);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.icon-blue { background: var(--blue-10); color: var(--blue); }
.icon-amber { background: var(--amber-10); color: var(--amber); }
.icon-emerald { background: var(--green-10); color: var(--green); }
.icon-slate { background: var(--gray-50); color: var(--gray-700); }
.icon-violet { background: var(--violet-10); color: var(--violet); }
.icon-rose { background: var(--rose-10); color: var(--rose); }

.card-feature h3 { font-size: 18px; font-weight: 700; margin-bottom: 8px; }

/* ---- Dividers ---- */
.divider-h { height: 1px; background: var(--border); margin: 20px 0; }
.divider-v { width: 1px; height: 32px; background: rgba(255,255,255,0.10); flex-shrink: 0; }
.divider-v-short { width: 1px; height: 40px; background: var(--border); flex-shrink: 0; }

/* ---- Pulse Dot ---- */
.pulse-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--green); flex-shrink: 0;
  animation: pulse 2s ease-in-out infinite;
}
.pulse-sm { width: 6px; height: 6px; }
@keyframes pulse { 0%,100% { opacity: 1; } 50% { opacity: 0.35; } }

/* ---- Stars ---- */
.stars { color: var(--amber); font-size: 16px; letter-spacing: 2px; }

/* ---- Avatar ---- */
.avatar {
  width: 40px; height: 40px; border-radius: 50%;
  background: var(--blue-10); color: var(--blue);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 14px; flex-shrink: 0;
}
.review-author { display: flex; align-items: center; gap: 12px; }
.review-author strong { display: block; font-size: 14px; }

/* =============================================
   HEADER
   ============================================= */
.header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  padding: 16px 0;
  transition: all 0.35s var(--ease);
}
.header.scrolled {
  background: rgba(255,255,255,0.85);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  box-shadow: 0 1px 0 var(--border);
  padding: 12px 0;
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
}
.logo { display: flex; align-items: center; gap: 8px; }
.logo-icon {
  width: 32px; height: 32px; border-radius: var(--r-sm);
  background: var(--blue); color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 15px;
}
.logo-text {
  font-weight: 800; font-size: 18px; color: #fff;
  transition: color 0.35s;
}
.header.scrolled .logo-text { color: var(--fg); }

.nav-desktop { display: flex; gap: 32px; }
.nav-desktop a {
  font-size: 15px; font-weight: 500;
  color: rgba(255,255,255,0.7);
  transition: color 0.2s;
}
.nav-desktop a:hover { color: #fff; }
.header.scrolled .nav-desktop a { color: var(--fg-tertiary); }
.header.scrolled .nav-desktop a:hover { color: var(--blue); }
.header.scrolled .header-cta { background: var(--blue); color: #fff; }

.mobile-menu-btn {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 4px;
}
.mobile-menu-btn span {
  display: block; width: 20px; height: 2px; border-radius: 2px;
  background: #fff; transition: all 0.3s;
}
.header.scrolled .mobile-menu-btn span { background: var(--fg); }

/* Theme Toggle */
.theme-toggle {
  background: none; border: none; cursor: pointer;
  color: rgba(255,255,255,0.6); padding: 6px;
  display: flex; align-items: center; justify-content: center;
  border-radius: var(--r-sm); transition: all 0.2s;
}
.theme-toggle:hover { color: #fff; background: rgba(255,255,255,0.08); }
.header.scrolled .theme-toggle { color: var(--fg-tertiary); }
.header.scrolled .theme-toggle:hover { color: var(--fg); background: var(--gray-50); }
.theme-toggle .icon-sun { display: none; }
[data-theme="dark"] .theme-toggle .icon-moon { display: none; }
[data-theme="dark"] .theme-toggle .icon-sun { display: block; }

/* Mobile Menu */
.mobile-overlay {
  position: fixed; inset: 0; background: rgba(0,0,0,0.4);
  z-index: 200; opacity: 0; pointer-events: none;
  transition: opacity 0.3s;
}
.mobile-overlay.active { opacity: 1; pointer-events: auto; }

.mobile-menu {
  position: fixed; top: 0; right: 0; bottom: 0;
  width: min(320px, 85vw);
  background: #fff; z-index: 201;
  transform: translateX(100%);
  transition: transform 0.35s var(--ease);
  display: flex; flex-direction: column; padding: 20px;
}
.mobile-menu.active { transform: translateX(0); }
.mobile-menu-header {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 32px;
}
.mobile-menu-header .logo-text { color: var(--fg); }
.mobile-close-btn {
  background: none; border: none; cursor: pointer;
  padding: 4px; color: var(--fg-tertiary);
}
.mobile-nav { display: flex; flex-direction: column; flex: 1; }
.mobile-nav a {
  padding: 14px 0; font-size: 16px; font-weight: 500;
  color: var(--fg); border-bottom: 1px solid var(--border);
  transition: color 0.15s;
}
.mobile-nav a:hover { color: var(--blue); }
.mobile-menu-cta { margin-top: auto; }

/* =============================================
   HERO
   ============================================= */
.hero {
  position: relative; min-height: 100vh; min-height: 100dvh;
  display: flex; align-items: center;
  padding: 100px 0 80px; overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0;
  background: var(--gray-900);
}
.hero-bg::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 800px 600px at 70% 20%, rgba(49,130,246,0.12), transparent),
    radial-gradient(ellipse 500px 400px at 30% 80%, rgba(49,130,246,0.06), transparent);
}

.hero-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px;
  align-items: center; position: relative; z-index: 1;
}
.hero-text { display: flex; flex-direction: column; }
.hero h1 {
  font-size: 44px; font-weight: 800; color: #fff;
  line-height: 1.25; margin: 16px 0 12px;
  letter-spacing: -0.04em;
}
.hero-desc {
  font-size: 17px; color: rgba(255,255,255,0.55);
  line-height: 1.8; margin-bottom: 16px;
}
.hero-desc strong { color: var(--blue); }

.fund-banner {
  display: flex; align-items: center; gap: 12px;
  padding: 16px 20px; margin-bottom: 24px; flex-wrap: wrap;
}
.fund-banner-text { display: flex; flex-direction: column; gap: 2px; }
.fund-amount {
  font-size: 20px; font-weight: 800; color: var(--green);
  font-variant-numeric: tabular-nums;
}

.hero-stats {
  display: flex; align-items: center; gap: 24px;
  padding: 20px 0; margin-bottom: 28px;
  border-top: 1px solid rgba(255,255,255,0.06);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.hero-stat { display: flex; flex-direction: column; gap: 2px; }
.stat-num {
  font-size: 28px; font-weight: 800; color: #fff;
  letter-spacing: -0.03em;
}
.stat-label {
  font-size: 13px; color: rgba(255,255,255,0.4); font-weight: 500;
}

.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* Ticker */
.ticker-card {
  padding: 20px; max-height: 420px;
  border-radius: var(--r-xl);
  display: flex; flex-direction: column; overflow: hidden;
}
.ticker-header {
  display: flex; align-items: center; gap: 8px;
  padding-bottom: 12px; margin-bottom: 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  flex-shrink: 0; position: relative; z-index: 2;
}
.ticker-body {
  flex: 1; overflow: hidden; position: relative;
  padding-top: 8px;
  -webkit-mask-image: linear-gradient(to bottom, transparent, black 10px, black calc(100% - 16px), transparent);
  mask-image: linear-gradient(to bottom, transparent, black 10px, black calc(100% - 16px), transparent);
}
.ticker-list {
  display: flex; flex-direction: column; gap: 6px;
  animation: tickerScroll 35s linear infinite;
}
@keyframes tickerScroll {
  0% { transform: translateY(0); }
  100% { transform: translateY(-50%); }
}

.ticker-item {
  display: grid; grid-template-columns: 48px 1fr auto auto; gap: 12px;
  align-items: center; padding: 10px 12px;
  background: rgba(255,255,255,0.03); border-radius: var(--r-sm);
  font-size: 13px;
}
.ticker-name { color: rgba(255,255,255,0.75); font-weight: 500; }
.ticker-amount { color: var(--blue); font-weight: 700; }
.ticker-time { color: rgba(255,255,255,0.3); font-size: 12px; }
.ticker-status {
  padding: 3px 8px; border-radius: var(--r-full);
  font-size: 11px; font-weight: 600;
}
.ticker-status.done { background: var(--green-10); color: var(--green); }
.ticker-status.pending { background: var(--blue-10); color: var(--blue); }

/* Scroll indicator */
.hero-scroll {
  position: absolute; bottom: 24px; left: 50%;
  transform: translateX(-50%);
  display: flex; flex-direction: column; align-items: center; gap: 6px;
}
.scroll-arrow {
  width: 14px; height: 14px;
  border-right: 1.5px solid rgba(255,255,255,0.3);
  border-bottom: 1.5px solid rgba(255,255,255,0.3);
  transform: rotate(45deg);
  animation: scrollBounce 2s ease-in-out infinite;
}
@keyframes scrollBounce {
  0%, 100% { transform: rotate(45deg) translate(0, 0); opacity: 0.25; }
  50% { transform: rotate(45deg) translate(3px, 3px); opacity: 0.8; }
}

/* =============================================
   TRUST BAR
   ============================================= */
.trust-bar {
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  padding: 14px 0;
}
.trust-bar-inner {
  display: flex; justify-content: center; gap: 32px; flex-wrap: wrap;
}
.trust-item {
  display: flex; align-items: center; gap: 6px;
  font-size: 13px; font-weight: 500; color: var(--fg-secondary);
  white-space: nowrap;
}
.trust-item svg { color: var(--blue); flex-shrink: 0; }

/* =============================================
   CALCULATOR
   ============================================= */
.calc-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 24px;
  align-items: start;
}
.calc-input-card { display: flex; flex-direction: column; gap: 28px; }
.calc-group { }
.label {
  display: block; font-size: 14px; font-weight: 600;
  margin-bottom: 8px; color: var(--fg-secondary);
}

.calc-display { text-align: center; margin-bottom: 12px; }
.calc-display span {
  font-size: 32px; font-weight: 800; color: var(--blue);
  letter-spacing: -0.03em;
}

/* Range slider — Toss-style clean slider */
.range-slider {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 6px;
  background: var(--gray-100); border-radius: var(--r-full);
  outline: none; cursor: pointer;
}
.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px; height: 24px; border-radius: 50%;
  background: #fff; border: 2px solid var(--blue);
  box-shadow: 0 2px 8px rgba(0,0,0,0.12);
  cursor: pointer;
  transition: box-shadow 0.15s;
}
.range-slider::-webkit-slider-thumb:hover {
  box-shadow: 0 2px 8px rgba(0,0,0,0.12), 0 0 0 6px var(--blue-10);
}
.range-slider::-moz-range-thumb {
  width: 24px; height: 24px; border-radius: 50%;
  background: #fff; border: 2px solid var(--blue);
  box-shadow: 0 2px 8px rgba(0,0,0,0.12);
  cursor: pointer;
}
.range-labels {
  display: flex; justify-content: space-between;
  margin-top: 6px; font-size: 12px; color: var(--fg-tertiary);
}

/* Rate buttons */
.rate-group { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; }
.btn-rate {
  padding: 10px; border: 1px solid var(--border);
  border-radius: var(--r-sm); background: #fff;
  font-size: 14px; font-weight: 600; color: var(--fg-tertiary);
  cursor: pointer; transition: all 0.15s; font-family: inherit;
}
.btn-rate:hover { border-color: var(--blue); color: var(--blue); }
.btn-rate.active {
  border-color: var(--blue); background: var(--blue); color: #fff;
}

/* Result card */
.calc-result-card { position: sticky; top: 80px; }
.calc-result-top { text-align: center; padding-bottom: 20px; }
.calc-result-amount {
  display: block; font-size: 40px; font-weight: 800;
  color: var(--blue); margin-top: 4px;
  letter-spacing: -0.03em;
}
.calc-detail-list {
  display: flex; flex-direction: column; gap: 12px; padding: 20px 0;
}
.calc-detail {
  display: flex; justify-content: space-between; font-size: 15px;
}
.calc-detail span:first-child { color: var(--fg-secondary); }
.calc-detail span:last-child { font-weight: 600; }

.fund-notice {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  padding: 10px 16px; background: var(--green-light);
  border-radius: var(--r-sm); margin-bottom: 12px;
  font-size: 13px; font-weight: 600; color: var(--green);
}
.fund-notice-warning {
  background: #fef2f2; color: #dc2626;
  border: 1px solid #fca5a5;
  border-radius: var(--r-sm); margin-bottom: 12px;
  font-size: 12px; line-height: 1.6; text-align: left;
  display: block; padding: 12px 16px; font-weight: 600;
}
[data-theme="dark"] .fund-notice-warning {
  background: rgba(220, 38, 38, 0.15); color: #fca5a5;
  border-color: rgba(220, 38, 38, 0.3);
}
.rate-group-2 { grid-template-columns: repeat(2, 1fr) !important; }

/* =============================================
   PROCESS
   ============================================= */
.speed-pill {
  display: flex; align-items: center; justify-content: center; gap: 12px;
  max-width: 300px; margin: -8px auto 40px; padding: 12px 24px;
  background: var(--blue); border-radius: var(--r-full);
  color: #fff; font-size: 14px;
}
.speed-pill span { opacity: 0.7; }
.speed-pill strong { font-size: 18px; }

.process-grid { position: relative; }
.process-grid::before { display: none; }
.process-step { text-align: center; position: relative; z-index: 1; }
.step-num {
  display: block; font-size: 13px; font-weight: 800;
  color: var(--blue); margin-bottom: 6px;
}
.step-time { margin-bottom: 12px; }

.step-icon-wrap {
  width: 56px; height: 56px; border-radius: 50%;
  background: #fff; border: 2px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px; color: var(--blue);
  transition: all 0.25s var(--ease);
}
.process-step:hover .step-icon-wrap {
  border-color: var(--blue);
  background: var(--blue-50);
  box-shadow: 0 0 0 4px var(--blue-10);
}
.process-step h3 { font-size: 16px; font-weight: 700; margin-bottom: 4px; }

/* =============================================
   REVIEWS — TRUST METRICS
   ============================================= */
.trust-metrics {
  display: flex; align-items: center; justify-content: center;
  gap: 32px; padding: 24px 32px; margin-bottom: 32px;
  flex-wrap: wrap;
}
.metric {
  display: flex; flex-direction: column; align-items: center; gap: 4px;
}
.metric strong {
  font-size: 28px; font-weight: 800; letter-spacing: -0.03em;
}
.metric span { font-size: 13px; color: var(--fg-tertiary); }

/* =============================================
   FAQ
   ============================================= */
.faq-list {
  max-width: 720px; margin: 0 auto;
  display: flex; flex-direction: column; gap: 8px;
}
.faq-item {
  border: 1px solid var(--border); border-radius: var(--r-lg);
  background: #fff; overflow: hidden;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.faq-item.active {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px var(--blue-10);
}
.faq-q {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  padding: 16px 20px; background: none; border: none;
  font-family: inherit; font-size: 15px; font-weight: 600;
  color: var(--fg); text-align: left; cursor: pointer;
  transition: color 0.15s;
}
.faq-q:hover { color: var(--blue); }
.faq-q svg {
  flex-shrink: 0; color: var(--fg-tertiary);
  transition: transform 0.3s var(--ease), color 0.2s;
}
.faq-item.active .faq-q svg { transform: rotate(180deg); color: var(--blue); }

.faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height 0.35s var(--ease);
}
.faq-item.active .faq-a { max-height: 300px; }
.faq-a p {
  padding: 0 20px 16px; font-size: 15px;
  color: var(--fg-secondary); line-height: 1.8;
}

/* =============================================
   APPLICATION FORM
   ============================================= */
.apply-fund-pill {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  max-width: 440px; margin: -8px auto 24px; padding: 12px 20px;
  background: var(--green-10); border: 1px solid var(--green-15);
  border-radius: var(--r-full); flex-wrap: wrap;
}
.apply-fund-pill span { font-size: 13px; color: rgba(255,255,255,0.5); }
.apply-fund-pill strong { font-size: 14px; color: var(--green); }

.apply-wrapper { max-width: 560px; margin: 0 auto; }
.apply-form { padding: 32px; border-radius: var(--r-2xl); }

.form-section-label {
  font-size: 13px; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.05em; color: var(--fg-tertiary); margin-bottom: 16px;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 16px; }

.form-group input,
.form-group select {
  width: 100%; padding: 12px 16px;
  border: 1px solid var(--gray-200); border-radius: var(--r-md);
  font-size: 15px; font-family: inherit; color: var(--fg);
  background: var(--gray-50);
  transition: all 0.15s; outline: none;
  -webkit-appearance: none;
}
.form-group input::placeholder { color: var(--fg-tertiary); }
.form-group input:focus,
.form-group select:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px var(--blue-10);
  background: #fff;
}
.form-group input.error,
.form-group select.error {
  border-color: var(--red);
  box-shadow: 0 0 0 3px var(--red-10);
}

.form-check {
  display: flex; align-items: flex-start; gap: 8px; margin-bottom: 20px;
}
.form-check input[type="checkbox"] {
  width: 18px; height: 18px; margin-top: 2px;
  accent-color: var(--blue); cursor: pointer; flex-shrink: 0;
}
.form-check label {
  font-size: 13px; color: var(--fg-secondary);
  cursor: pointer; line-height: 1.5;
}

.form-badges {
  display: flex; justify-content: center; gap: 8px;
  margin-top: 16px; flex-wrap: wrap;
}
.form-badges span {
  font-size: 11px; color: var(--fg-tertiary);
  padding: 4px 10px; border: 1px solid var(--border);
  border-radius: var(--r-full);
}

/* Form Error */
.form-error {
  background: var(--red-10); color: var(--red);
  border: 1px solid rgba(240, 68, 82, 0.25);
  border-radius: var(--r-sm); padding: 12px 16px;
  font-size: 14px; font-weight: 600; line-height: 1.6;
  margin-bottom: 16px; text-align: center;
}
[data-theme="dark"] .form-error {
  background: rgba(240, 68, 82, 0.12);
  border-color: rgba(240, 68, 82, 0.3);
  color: #fca5a5;
}

/* Success */
.apply-success { text-align: center; padding: 48px 32px; }
.success-check { color: var(--green); margin-bottom: 20px; }
.apply-success h3 { font-size: 22px; margin-bottom: 8px; }
.apply-success .text-muted { margin-bottom: 24px; }
.success-ref {
  display: inline-block; padding: 12px 20px;
  background: var(--surface); border-radius: var(--r-sm);
  font-size: 14px;
}
.success-ref strong { color: var(--blue); }

/* =============================================
   FOOTER
   ============================================= */
.footer {
  background: var(--gray-900); color: var(--gray-400);
  padding-top: 56px;
}
.footer .logo-text { color: #fff; }
.footer-top {
  display: grid; grid-template-columns: 1fr 2fr; gap: 48px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.footer-brand { display: flex; flex-direction: column; gap: 8px; }

.footer-links { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.footer-col h4 {
  color: #fff; font-size: 14px; font-weight: 600; margin-bottom: 12px;
}
.footer-col a, .footer-col p {
  display: block; font-size: 13px; margin-bottom: 8px; color: var(--gray-400);
}
.footer-col a:hover { color: #fff; }

.footer-bottom { padding: 24px 0; }
.footer-bottom p {
  font-size: 12px; color: var(--gray-500); margin-bottom: 4px;
}
.footer-warning {
  margin-top: 12px; padding: 12px 16px;
  background: var(--red-10); border-radius: var(--r-sm);
  color: rgba(240, 68, 82, 0.7); font-size: 12px; line-height: 1.65;
}

/* =============================================
   MOBILE FIXED CTA
   ============================================= */
.mobile-cta {
  display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 90;
  padding: 12px 16px;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: 0 -1px 8px rgba(0,0,0,0.06);
  transition: transform 0.3s var(--ease);
}

/* =============================================
   DARK MODE — Component Overrides
   ============================================= */
[data-theme="dark"] h1,
[data-theme="dark"] h2,
[data-theme="dark"] h3,
[data-theme="dark"] h4 { color: var(--fg); }

/* Ensure header text is always white before scroll */
.header:not(.scrolled) .logo-text { color: #fff !important; }
.header:not(.scrolled) .nav-desktop a { color: rgba(255,255,255,0.7) !important; }
.header:not(.scrolled) .theme-toggle { color: rgba(255,255,255,0.6) !important; }
.header:not(.scrolled) .mobile-menu-btn span { background: #fff !important; }

[data-theme="dark"] .card { background: #1e2128; border-color: var(--border); }
[data-theme="dark"] .card-glass { background: rgba(255,255,255,0.04); border-color: rgba(255,255,255,0.06); }
[data-theme="dark"] .card-feature:hover { box-shadow: 0 8px 24px rgba(0,0,0,0.4); border-color: rgba(49,130,246,0.2); }

[data-theme="dark"] .header.scrolled {
  background: rgba(23, 23, 28, 0.92);
  box-shadow: 0 1px 0 var(--border);
}
[data-theme="dark"] .header.scrolled .logo-text { color: var(--fg); }
[data-theme="dark"] .header.scrolled .mobile-menu-btn span { background: var(--fg); }
[data-theme="dark"] .header.scrolled .header-cta { background: var(--blue); color: #fff; }

[data-theme="dark"] .mobile-menu { background: #1e2128; }
[data-theme="dark"] .mobile-menu-header .logo-text { color: var(--fg); }
[data-theme="dark"] .mobile-nav a { color: var(--fg); border-color: var(--border); }

[data-theme="dark"] .hero-bg { background: #111114; }
[data-theme="dark"] .trust-bar { background: #1e2128; border-color: var(--border); }
[data-theme="dark"] .section-muted { background: #1e2128; }
[data-theme="dark"] .section-dark { background: #111114; }

[data-theme="dark"] .faq-item { background: #1e2128; border-color: var(--border); }
[data-theme="dark"] .btn-rate { background: #24272e; border-color: var(--border); }
[data-theme="dark"] .step-icon-wrap { background: #1e2128; border-color: var(--border); }

[data-theme="dark"] .range-slider { background: #2c3038; }
[data-theme="dark"] .range-slider::-webkit-slider-thumb { background: #24272e; }
[data-theme="dark"] .range-slider::-moz-range-thumb { background: #24272e; }

[data-theme="dark"] .form-group input,
[data-theme="dark"] .form-group select {
  background: #24272e; border-color: var(--border); color: var(--fg);
}
[data-theme="dark"] .form-group input::placeholder { color: var(--fg-tertiary); }
[data-theme="dark"] .form-badges span { border-color: var(--border); }
[data-theme="dark"] .fund-notice { background: rgba(0, 196, 113, 0.08); }
[data-theme="dark"] .success-ref { background: #24272e; }
[data-theme="dark"] .footer { background: #111114; }
[data-theme="dark"] .mobile-cta { background: rgba(23, 23, 28, 0.92); }
[data-theme="dark"] .footer-warning { background: rgba(240, 68, 82, 0.08); }

/* =============================================
   ANIMATIONS
   ============================================= */
[data-animate] {
  opacity: 0; transform: translateY(20px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
[data-animate].visible {
  opacity: 1; transform: translateY(0);
}

/* =============================================
   RESPONSIVE
   ============================================= */

/* Tablet */
@media (max-width: 1024px) {
  .hero h1 { font-size: 36px; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .calc-grid { grid-template-columns: 1fr; }
  .calc-result-card { position: static; }
}

/* Mobile */
@media (max-width: 768px) {
  .nav-desktop, .header-cta { display: none; }
  .mobile-menu-btn { display: flex; }
  .mobile-cta { display: block; }

  .section { padding: 64px 0; }
  .section-header { margin-bottom: 32px; }
  .section-header h2 { font-size: 24px; }
  .section-header p { font-size: 15px; }

  .hero { padding: 80px 0 56px; min-height: auto; }
  .hero-grid { grid-template-columns: 1fr; gap: 32px; }
  .hero h1 { font-size: 28px; }
  .hero-desc { font-size: 15px; }
  .hero-stats { gap: 12px; flex-wrap: wrap; }
  .stat-num { font-size: 22px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .ticker-card { max-height: 260px; }
  .hero-scroll { display: none; }
  .fund-banner { padding: 12px 16px; }
  .fund-amount { font-size: 16px; }

  .trust-bar-inner {
    gap: 8px 16px; justify-content: flex-start;
    overflow-x: auto; flex-wrap: nowrap; padding-bottom: 4px;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none; -ms-overflow-style: none;
  }
  .trust-bar-inner::-webkit-scrollbar { display: none; }
  .trust-item { font-size: 12px; }

  .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .process-grid::before { display: none; }

  .calc-display span { font-size: 28px; }
  .calc-result-amount { font-size: 32px; }
  .rate-group { grid-template-columns: repeat(2, 1fr); }

  .trust-metrics { gap: 16px; padding: 16px; }
  .metric strong { font-size: 22px; }
  .divider-v-short { height: 32px; }

  .form-row { grid-template-columns: 1fr; }
  .apply-form { padding: 24px 20px; }

  .footer-top { grid-template-columns: 1fr; gap: 32px; }
  .footer-links { grid-template-columns: 1fr 1fr; gap: 24px; }
  .footer { padding-bottom: 80px; }

  .speed-pill { margin-top: 0; }
  .apply-fund-pill { margin-top: 0; padding: 10px 16px; }
}

/* Small mobile */
@media (max-width: 400px) {
  .container { padding: 0 16px; }
  .hero h1 { font-size: 24px; }
  .stat-num { font-size: 20px; }
  .hero-stats { gap: 8px; }
  .divider-v { height: 24px; }
  .footer-links { grid-template-columns: 1fr; }
  .trust-metrics { flex-direction: column; gap: 12px; }
  .divider-v-short { width: 48px; height: 1px; }
  .ticker-item { grid-template-columns: 48px 1fr auto; }
  .ticker-time { display: none; }
}