/* ================================================================
   EV+ HIPOTECAS · Landing Meta + TikTok
   Mobile-first · Space Grotesk · Neon Blue / Neon Yellow
   ================================================================ */

:root{
  --blue:#364CFE;
  --blue-dark:#1F30C7;
  --yellow:#CEFE1E;
  --butter:#FFFFCC;
  --black:#000;
  --ink:#0A0A12;
  --gray:#333;
  --muted:#6B7280;
  --line:#E5E7EB;
  --white:#FFF;
  --red:#E8003D;
  --orange:#FF6B00;
  --whatsapp:#25D366;
  --radius:10px;
  --radius-sm:8px;
}

*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  font-family:'Space Grotesk',-apple-system,BlinkMacSystemFont,sans-serif;
  background:var(--white);color:var(--gray);
  -webkit-font-smoothing:antialiased;
  line-height:1.5;
  overflow-x:hidden;
}
img{max-width:100%;display:block;}
button{font-family:inherit;cursor:pointer;border:none;}
input,select{font-family:inherit;}
a{color:inherit;text-decoration:none;}

/* Focus visible for accessibility */
:focus-visible{outline:3px solid var(--yellow);outline-offset:2px;border-radius:4px;}

/* ─── NAV ──────────────────────────────────────────────── */
.nav{
  background:var(--ink);
  padding:14px 20px;
  display:flex;align-items:center;justify-content:space-between;
  position:sticky;top:0;z-index:40;
  border-bottom:1px solid rgba(255,255,255,.06);
}
.nav-logo{display:inline-flex;align-items:center;}
.nav-logo img{height:22px;width:auto;display:block;}
.nav-right{display:flex;align-items:center;gap:14px;}
.nav-phone{display:none;color:rgba(255,255,255,.7);font-size:13px;font-weight:600;}
.nav-phone:before{content:"📞 ";margin-right:4px;}
.nav-cta{
  background:var(--yellow);color:var(--black);
  font-size:13px;font-weight:700;
  padding:9px 16px;border-radius:7px;
  transition:transform .15s ease;
}
.nav-cta:hover{transform:translateY(-1px);}

/* ─── HERO ─────────────────────────────────────────────── */
.hero{
  background:var(--ink);
  color:var(--white);
  padding:24px 20px 32px;
  position:relative;
  overflow:hidden;
}
.hero:before{
  content:"";position:absolute;
  top:-160px;right:-160px;width:380px;height:380px;
  background:radial-gradient(circle,rgba(54,76,254,.45),transparent 65%);
  pointer-events:none;
}
.hero-inner{position:relative;z-index:1;}
.pill{
  display:inline-flex;align-items:center;gap:7px;
  background:rgba(206,254,30,.12);
  border:1px solid rgba(206,254,30,.4);
  color:var(--yellow);
  font-size:11px;font-weight:700;
  padding:6px 12px;border-radius:99px;
  text-transform:uppercase;letter-spacing:.05em;
  margin-bottom:14px;
}
.pill .dot{
  width:6px;height:6px;border-radius:50%;
  background:var(--yellow);
  box-shadow:0 0 8px var(--yellow);
  animation:pulse 1.6s ease-in-out infinite;
}
@keyframes pulse{0%,100%{opacity:1;}50%{opacity:.4;}}

.hero h1{
  font-size:30px;line-height:1.1;
  font-weight:700;letter-spacing:-.02em;
  color:var(--white);
  margin-bottom:12px;
  text-wrap:balance;
}
.hero h1 em{font-style:normal;color:var(--white);}
.hero h1 .amount{
  background:linear-gradient(180deg,var(--yellow) 60%,rgba(206,254,30,.6));
  -webkit-background-clip:text;background-clip:text;
  -webkit-text-fill-color:transparent;
  font-weight:700;
}
.hero-sub{
  font-size:15px;color:rgba(255,255,255,.7);
  margin-bottom:18px;line-height:1.55;
  text-wrap:pretty;
}
.hero-bullets{
  display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px;
  list-style:none;
}
.hero-bullets li{
  display:inline-flex;align-items:center;gap:6px;
  background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.1);
  padding:6px 11px;border-radius:99px;
  font-size:12px;font-weight:600;color:rgba(255,255,255,.85);
}
.hero-bullets li:before{
  content:"✓";color:var(--yellow);font-weight:700;
}

.hero-testimonial{
  background:rgba(255,255,255,.05);
  border:1px solid rgba(255,255,255,.08);
  border-left:3px solid var(--yellow);
  border-radius:var(--radius);
  padding:14px 16px;
  margin-bottom:24px;
}
.hero-testimonial .stars{color:#FFB800;font-size:13px;letter-spacing:1px;margin-bottom:6px;}
.hero-testimonial p{
  font-size:13px;color:rgba(255,255,255,.88);
  line-height:1.55;margin-bottom:8px;
  font-style:italic;
}
.hero-testimonial .who{
  font-size:11px;font-weight:700;color:var(--yellow);
  text-transform:uppercase;letter-spacing:.05em;
}

/* ─── FORM CARD ────────────────────────────────────────── */
.form-card{
  background:var(--white);
  border-radius:14px;
  padding:22px 18px 18px;
  box-shadow:0 20px 50px rgba(0,0,0,.35),0 0 0 1px rgba(255,255,255,.05);
  position:relative;
}
.form-card:before{
  content:"";position:absolute;top:-1px;left:14px;right:14px;height:2px;
  background:linear-gradient(90deg,transparent,var(--yellow),transparent);
}
.form-head{margin-bottom:14px;}
.form-head h2{
  font-size:20px;font-weight:700;color:var(--ink);
  letter-spacing:-.01em;margin-bottom:4px;
}
.form-head p{font-size:13px;color:var(--muted);}

.steps{display:flex;gap:6px;margin:14px 0 6px;}
.step-bar{height:4px;flex:1;border-radius:2px;background:#EDEFF3;transition:background .3s ease;}
.step-bar.on{background:var(--blue);}
.step-label{font-size:11px;color:var(--muted);font-weight:600;margin-bottom:14px;}
.step-label strong{color:var(--ink);}

.field{margin-bottom:12px;}
.field label{
  display:block;font-size:12px;font-weight:600;
  color:var(--ink);margin-bottom:5px;
}
.field input,.field select{
  width:100%;
  background:#F7F8FA;
  border:1.5px solid #E5E7EB;
  border-radius:8px;
  padding:11px 13px;
  font-size:15px;
  color:var(--ink);
  transition:border-color .15s,background .15s;
  appearance:none;-webkit-appearance:none;
}
.field select{
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'><path d='M1 1l5 5 5-5' stroke='%23333' stroke-width='2' fill='none'/></svg>");
  background-repeat:no-repeat;
  background-position:right 14px center;
  padding-right:36px;
}
.field input:focus,.field select:focus{
  border-color:var(--blue);background:var(--white);
  outline:none;
  box-shadow:0 0 0 3px rgba(54,76,254,.12);
}
.field.error input,.field.error select{
  border-color:var(--red);background:#FEF2F4;
}
.field .err-msg{
  display:none;font-size:11px;color:var(--red);
  font-weight:600;margin-top:4px;
}
.field.error .err-msg{display:block;}

.field-row{display:grid;grid-template-columns:1fr 1fr;gap:10px;}

.consent{
  display:flex;align-items:flex-start;gap:8px;
  font-size:11.5px;color:var(--muted);line-height:1.5;
  margin:6px 0 12px;
}
.consent input{
  width:16px;height:16px;flex-shrink:0;margin-top:1px;
  accent-color:var(--blue);cursor:pointer;
}
.consent a{color:var(--blue);text-decoration:underline;}

.cta-btn{
  width:100%;
  background:var(--yellow);
  color:var(--ink);
  font-size:16px;font-weight:700;
  padding:15px;border-radius:9px;
  letter-spacing:-.01em;
  transition:transform .15s,box-shadow .15s,background .15s;
  box-shadow:0 6px 0 rgba(0,0,0,.18),0 10px 30px rgba(206,254,30,.25);
  position:relative;
}
.cta-btn:hover{transform:translateY(-2px);box-shadow:0 8px 0 rgba(0,0,0,.18),0 14px 36px rgba(206,254,30,.35);}
.cta-btn:active{transform:translateY(2px);box-shadow:0 2px 0 rgba(0,0,0,.18);}
.cta-btn .arrow{display:inline-block;transition:transform .2s;}
.cta-btn:hover .arrow{transform:translateX(4px);}

.cta-btn.secondary{
  background:transparent;color:var(--muted);
  font-size:13px;font-weight:600;padding:10px;
  box-shadow:none;text-decoration:underline;
}
.cta-btn.secondary:hover{color:var(--ink);transform:none;box-shadow:none;}

.guarantees{
  display:flex;flex-wrap:wrap;gap:12px;
  justify-content:center;
  margin-top:12px;
  padding-top:12px;
  border-top:1px solid var(--line);
}
.g-item{
  font-size:11px;color:var(--muted);
  display:inline-flex;align-items:center;gap:4px;
  font-weight:500;
}
.g-item .ic{font-size:13px;}

/* Success state */
.form-success{
  text-align:center;padding:20px 8px;
  display:none;
}
.form-success.show{display:block;animation:fadeIn .4s ease;}
@keyframes fadeIn{from{opacity:0;transform:translateY(8px);}to{opacity:1;transform:none;}}
.success-icon{
  width:64px;height:64px;border-radius:50%;
  background:var(--yellow);color:var(--ink);
  display:flex;align-items:center;justify-content:center;
  font-size:32px;font-weight:700;margin:0 auto 14px;
  animation:pop .5s cubic-bezier(.34,1.56,.64,1);
}
@keyframes pop{from{transform:scale(0);}to{transform:scale(1);}}
.form-success h3{font-size:20px;color:var(--ink);font-weight:700;margin-bottom:8px;}
.form-success p{font-size:14px;color:var(--muted);line-height:1.55;}

/* ─── TESTIMONIALS STRIP ───────────────────────────────── */
.tstrip{
  background:var(--butter);
  padding:36px 20px;
  position:relative;
}
.tstrip-head{text-align:center;margin-bottom:22px;}
.tstrip-head .tag{
  font-size:11px;font-weight:700;
  color:var(--ink);background:var(--white);
  padding:4px 12px;border-radius:99px;
  display:inline-block;margin-bottom:10px;
  letter-spacing:.05em;text-transform:uppercase;
}
.tstrip-head h2{
  font-size:22px;font-weight:700;color:var(--ink);
  letter-spacing:-.02em;line-height:1.2;
  text-wrap:balance;
}
.tstrip-head .stars-row{
  display:inline-flex;align-items:center;gap:8px;
  margin-top:8px;font-size:13px;color:var(--gray);
}
.tstrip-head .stars-row .s{color:#FFB800;letter-spacing:2px;font-size:16px;}
/* Marquee — horizontal infinite loop (left → right) */
.tmarquee{
  position:relative;
  overflow:hidden;
  margin:0 -20px;          /* bleed full-width inside section */
  padding:8px 0;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);
          mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);
}
.tmarquee:hover .tmarquee-track{animation-play-state:paused;}
.tmarquee-track{
  display:flex;
  gap:14px;
  width:max-content;
  animation:tslide 48s linear infinite;
  /* moves track to the left so cards visually flow left→right past the viewport */
}
@keyframes tslide{
  from{transform:translate3d(-50%,0,0);}
  to  {transform:translate3d(0,0,0);}
}
@media (prefers-reduced-motion: reduce){
  .tmarquee-track{animation-duration:160s;}
}
.tcard{
  background:var(--white);
  border-radius:12px;
  padding:18px;
  box-shadow:0 4px 16px rgba(0,0,0,.06);
  position:relative;
  border:1px solid rgba(0,0,0,.04);
  flex:0 0 280px;          /* fixed card width inside marquee */
  display:flex;flex-direction:column;
}
.tcard .stars{color:#FFB800;letter-spacing:2px;font-size:14px;margin-bottom:10px;}
.tcard blockquote{
  font-size:14px;color:var(--ink);
  line-height:1.55;margin-bottom:14px;
  font-weight:500;
  flex:1;
}
.tcard .author-row{
  display:flex;align-items:center;gap:10px;
  padding-top:12px;border-top:1px solid var(--line);
}
.avatar{
  width:36px;height:36px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-weight:700;font-size:14px;color:var(--white);
  flex-shrink:0;
}
.avatar.a1{background:linear-gradient(135deg,#364CFE,#5B70FF);}
.avatar.a2{background:linear-gradient(135deg,#FF6B00,#FF9544);}
.avatar.a3{background:linear-gradient(135deg,#0F9D58,#34C77A);}
.avatar.a4{background:linear-gradient(135deg,#9C27B0,#C45EE0);}
.avatar.a5{background:linear-gradient(135deg,#E8003D,#FF5070);}
.avatar.a6{background:linear-gradient(135deg,#0E7C7B,#1FB3B0);}
.avatar.a7{background:linear-gradient(135deg,#1F2A55,#3B4F95);}
.avatar.a8{background:linear-gradient(135deg,#B8860B,#E0B33A);}
.author-meta{flex:1;}
.author-meta .name{font-size:13px;font-weight:700;color:var(--ink);}
.author-meta .city{font-size:11.5px;color:var(--muted);}

/* ─── BANKS BAR ────────────────────────────────────────── */
.banks{
  background:var(--white);
  padding:28px 20px;
  border-bottom:1px solid var(--line);
  overflow:hidden;
}
.banks-head{
  text-align:center;font-size:13px;font-weight:600;
  color:var(--muted);margin-bottom:16px;
  text-wrap:balance;
}
.banks-head strong{color:var(--ink);font-weight:700;}
.banks-row{
  position:relative;
  overflow:hidden;
  margin:0 -20px;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);
          mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);
}
.banks-row:hover .banks-track{animation-play-state:paused;}
.banks-track{
  display:flex;
  gap:10px;
  width:max-content;
  /* Banks scroll RIGHT → LEFT, opposite to testimonials marquee, so the two don't read as the same motion */
  animation:bankslide 42s linear infinite;
  padding:4px 0;
}
@keyframes bankslide{
  from{transform:translate3d(0,0,0);}
  to  {transform:translate3d(-50%,0,0);}
}
@media (prefers-reduced-motion: reduce){
  .banks-track{animation-duration:160s;}
}
.bank{
  background:transparent;
  border:none;
  padding:0 20px;
  height:60px;
  font-size:18px;font-weight:700;color:#1F2937;
  letter-spacing:-.01em;
  transition:opacity .2s,transform .15s;
  white-space:nowrap;
  flex:0 0 auto;
  display:inline-flex;align-items:center;justify-content:center;
  opacity:.72;
}
.bank:hover{opacity:1;}
.bank img{height:36px;width:auto;display:block;max-width:200px;object-fit:contain;}
.bank.more{
  background:var(--ink);color:var(--yellow);
  border-radius:8px;padding:0 18px;height:44px;
  font-size:13px;font-weight:700;letter-spacing:.02em;
  opacity:1;
}

/* ─── FAQ ──────────────────────────────────────────────── */
.faq{
  background:#FAFAF7;
  padding:44px 20px;
}
.faq-head{text-align:center;margin-bottom:24px;}
.faq-head .tag{
  font-size:11px;font-weight:700;color:var(--blue);
  text-transform:uppercase;letter-spacing:.1em;
  margin-bottom:10px;display:inline-block;
}
.faq-head h2{
  font-size:24px;font-weight:700;color:var(--ink);
  letter-spacing:-.02em;line-height:1.2;
  text-wrap:balance;
}
.faq-list{max-width:680px;margin:0 auto;display:flex;flex-direction:column;gap:10px;}
.faq-item{
  background:var(--white);
  border-radius:var(--radius);
  border:1px solid var(--line);
  overflow:hidden;
  transition:border-color .2s,box-shadow .2s;
}
.faq-item.open{
  border-color:var(--blue);
  box-shadow:0 6px 24px rgba(54,76,254,.08);
}
.faq-q{
  display:flex;align-items:center;justify-content:space-between;
  gap:14px;
  padding:16px 18px;
  width:100%;background:transparent;text-align:left;
  font-size:15px;font-weight:700;color:var(--ink);
  line-height:1.4;
}
.faq-q:hover{color:var(--blue);}
.faq-toggle{
  flex-shrink:0;
  width:28px;height:28px;border-radius:50%;
  background:var(--butter);
  display:flex;align-items:center;justify-content:center;
  font-size:14px;font-weight:700;color:var(--ink);
  transition:transform .25s ease,background .2s;
}
.faq-item.open .faq-toggle{
  background:var(--yellow);
  transform:rotate(45deg);
}
.faq-a{
  max-height:0;overflow:hidden;
  transition:max-height .3s ease;
}
.faq-item.open .faq-a{max-height:300px;}
.faq-a-inner{
  padding:0 18px 16px;
  font-size:14px;color:var(--gray);line-height:1.6;
  text-wrap:pretty;
}

/* ─── WHY EV+ ──────────────────────────────────────────── */
.why{
  background:var(--blue);
  color:var(--white);
  padding:48px 20px;
  position:relative;overflow:hidden;
}
.why:before{
  content:"";position:absolute;
  bottom:-80px;left:-80px;width:260px;height:260px;
  background:radial-gradient(circle,rgba(206,254,30,.22),transparent 65%);
  pointer-events:none;
}
.why-head{text-align:center;margin-bottom:28px;position:relative;}
.why-head .tag{
  font-size:11px;font-weight:700;
  color:var(--yellow);background:rgba(0,0,0,.25);
  padding:5px 12px;border-radius:99px;
  display:inline-block;margin-bottom:12px;
  letter-spacing:.08em;text-transform:uppercase;
}
.why-head h2{
  font-size:24px;font-weight:700;
  letter-spacing:-.02em;line-height:1.2;
  text-wrap:balance;
}
.why-head h2 em{font-style:normal;color:var(--white);opacity:.6;}
.why-grid{
  display:grid;gap:14px;
  grid-template-columns:1fr;
  max-width:1100px;margin:0 auto;
  position:relative;
}
.why-card{
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.12);
  border-radius:14px;
  padding:22px 20px;
  backdrop-filter:blur(8px);
  transition:transform .2s,background .2s;
  text-align:center;
}
.why-card:hover{transform:translateY(-3px);background:rgba(255,255,255,.12);}
.why-card .num{
  font-size:11px;font-weight:700;
  color:var(--yellow);letter-spacing:.1em;
  margin-bottom:14px;text-transform:uppercase;
}
.why-card .ic{
  font-size:34px;
  margin-bottom:12px;
  line-height:1;
  display:block;
}
.why-card h3{
  font-size:18px;font-weight:700;
  color:var(--white);margin-bottom:6px;
  letter-spacing:-.01em;
}
.why-card p{
  font-size:14px;color:rgba(255,255,255,.78);
  line-height:1.55;
}

/* ─── MID CTA ──────────────────────────────────────────── */
.mid-cta{
  background:var(--ink);
  color:var(--white);
  padding:52px 20px;
  text-align:center;
  position:relative;overflow:hidden;
}
.mid-cta:before{
  content:"";position:absolute;
  top:50%;left:50%;transform:translate(-50%,-50%);
  width:480px;height:480px;
  background:radial-gradient(circle,rgba(54,76,254,.18),transparent 60%);
  pointer-events:none;
}
.mid-cta-inner{position:relative;max-width:680px;margin:0 auto;}
.mid-cta .pre{
  font-size:11px;font-weight:700;color:var(--yellow);
  text-transform:uppercase;letter-spacing:.15em;margin-bottom:12px;
}
.mid-cta h2{
  font-size:30px;font-weight:700;color:var(--white);
  letter-spacing:-.02em;line-height:1.15;margin-bottom:14px;
  text-wrap:balance;
}
.mid-cta h2 em{font-style:normal;color:var(--yellow);}.mid-cta p{
  font-size:15px;color:rgba(255,255,255,.7);
  margin-bottom:24px;
}
.mid-cta-btn{
  display:inline-flex;align-items:center;gap:8px;
  background:var(--yellow);color:var(--ink);
  font-size:16px;font-weight:700;
  padding:16px 28px;border-radius:10px;
  box-shadow:0 6px 0 rgba(0,0,0,.4),0 14px 40px rgba(206,254,30,.3);
  transition:transform .15s,box-shadow .15s;
}
.mid-cta-btn:hover{transform:translateY(-2px);}
.mid-cta-btn:active{transform:translateY(2px);box-shadow:0 2px 0 rgba(0,0,0,.4);}
.mid-cta-mini{
  display:flex;flex-wrap:wrap;gap:18px;
  justify-content:center;
  margin-top:18px;
  font-size:12px;color:rgba(255,255,255,.55);
}
.mid-cta-mini span{display:inline-flex;align-items:center;gap:4px;}

/* ─── FOOTER ───────────────────────────────────────────── */
.footer{
  background:var(--ink);color:rgba(255,255,255,.6);
  padding:28px 20px 100px;
  border-top:1px solid rgba(255,255,255,.08);
}
.footer-inner{max-width:1100px;margin:0 auto;}
.footer-top{
  display:flex;flex-direction:column;gap:14px;
  padding-bottom:20px;
  border-bottom:1px solid rgba(255,255,255,.08);
}
.footer-logo{display:inline-flex;align-items:center;margin-bottom:6px;}
.footer-logo img{height:24px;width:auto;display:block;}
.footer-tag{font-size:13px;color:rgba(255,255,255,.55);font-style:italic;}
.footer-meta{
  display:flex;flex-direction:column;gap:6px;
  margin-top:16px;
  font-size:12px;line-height:1.6;
}
.footer-meta strong{color:rgba(255,255,255,.85);font-weight:600;}
.footer-links{
  display:flex;flex-wrap:wrap;gap:14px;
  margin-top:18px;
  font-size:12px;
}
.footer-links a{color:rgba(255,255,255,.55);}
.footer-links a:hover{color:var(--yellow);}
.footer-legal{
  margin-top:16px;font-size:11px;
  color:rgba(255,255,255,.35);
  line-height:1.6;
}

/* ─── STICKY MOBILE CTA ────────────────────────────────── */
.sticky-cta{
  position:fixed;bottom:0;left:0;right:0;
  background:var(--ink);
  border-top:2px solid var(--yellow);
  padding:10px 14px;
  display:flex;align-items:center;gap:10px;
  z-index:50;
  transform:translateY(110%);
  transition:transform .35s cubic-bezier(.4,0,.2,1);
  box-shadow:0 -10px 30px rgba(0,0,0,.25);
}
.sticky-cta.show{transform:translateY(0);}
.sticky-call{
  display:flex;align-items:center;gap:8px;
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.12);
  padding:11px 14px;border-radius:9px;
  color:var(--white);font-size:14px;font-weight:700;
  flex-shrink:0;
}
.sticky-call .ph{
  width:28px;height:28px;border-radius:50%;
  background:var(--yellow);color:var(--ink);
  display:flex;align-items:center;justify-content:center;
  font-size:14px;
}
.sticky-call-label{display:none;}
.sticky-cta .cta-btn{
  flex:1;font-size:14px;padding:12px;
  box-shadow:0 4px 0 rgba(0,0,0,.35);margin:0;
}

/* ─── WHATSAPP FAB ─────────────────────────────────────── */
.wa-fab{
  position:fixed;
  right:14px;bottom:80px;
  width:56px;height:56px;border-radius:50%;
  background:var(--whatsapp);
  display:flex;align-items:center;justify-content:center;
  color:var(--white);
  box-shadow:0 8px 24px rgba(37,211,102,.4),0 0 0 4px rgba(37,211,102,.18);
  z-index:49;
  transition:transform .2s;
  animation:waPulse 2.5s ease-in-out infinite;
}
.wa-fab:hover{transform:scale(1.08);}
.wa-fab svg{width:30px;height:30px;}
@keyframes waPulse{
  0%,100%{box-shadow:0 8px 24px rgba(37,211,102,.4),0 0 0 0 rgba(37,211,102,.4);}
  50%{box-shadow:0 8px 24px rgba(37,211,102,.4),0 0 0 12px rgba(37,211,102,0);}
}
.wa-fab .wa-badge{
  position:absolute;top:-2px;right:-2px;
  background:var(--red);color:var(--white);
  font-size:10px;font-weight:700;
  width:18px;height:18px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  border:2px solid var(--white);
}

/* ─── RESPONSIVE — TABLET ──────────────────────────────── */
@media (min-width:600px){
  .why-grid{grid-template-columns:repeat(3,1fr);}
  .hero h1{font-size:36px;}
  .tcard{flex:0 0 320px;}
}

/* ─── RESPONSIVE — DESKTOP ─────────────────────────────── */
@media (min-width:920px){
  .nav{padding:18px 48px;}
  .nav-phone{display:inline-flex;}
  .nav-logo img{height:26px;}

  .hero{
    padding:48px 48px 64px;
  }
  .hero-inner{
    max-width:1180px;margin:0 auto;
    display:grid;grid-template-columns:1.05fr 1fr;
    gap:56px;align-items:start;
  }
  .hero-text{padding-top:8px;}
  .hero h1{font-size:48px;line-height:1.05;margin-bottom:18px;}
  .hero-sub{font-size:17px;margin-bottom:22px;}

  .form-card{padding:28px 26px 24px;position:sticky;top:88px;}

  .tstrip{padding:56px 48px;}
  .tstrip-head h2{font-size:28px;}
  .tmarquee{margin:0 -48px;}

  .banks{padding:36px 48px;}
  .banks-row{margin:0 -48px;}
  .faq{padding:64px 48px;}
  .faq-head h2{font-size:30px;}

  .why{padding:72px 48px;}
  .why-head h2{font-size:32px;}

  .mid-cta{padding:80px 48px;}
  .mid-cta h2{font-size:42px;}

  .footer{padding:40px 48px 48px;}
  .footer-top{
    flex-direction:row;align-items:center;
    justify-content:space-between;
  }
  .footer-meta{flex-direction:row;flex-wrap:wrap;gap:18px;}

  /* On desktop the sticky bottom bar is unnecessary */
  .sticky-cta{display:none;}
  .wa-fab{bottom:24px;right:24px;width:62px;height:62px;}
}

@media (min-width:1100px){
  .hero h1{font-size:54px;}
}