/* ==========================================================================
   Spivy — design tokens
   ========================================================================== */
:root {
  --navy: #0F2544;
  --navy-900: #0A1A31;
  --ink: #101828;
  --muted: #5B6B7F;
  --line: #E3E8EF;
  --surface: #F6F8FB;
  --white: #FFFFFF;
  --green: #16B364;
  --green-600: #0E9F5A;
  --green-50: #EAF8F0;
  --amber: #F59E0B;
  --danger: #D92D20;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow-sm: 0 1px 2px rgba(16,24,40,.06), 0 1px 3px rgba(16,24,40,.08);
  --shadow-md: 0 8px 24px rgba(16,24,40,.08);
  --shadow-lg: 0 24px 60px rgba(15,37,68,.18);
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-head: "Plus Jakarta Sans", "Inter", system-ui, sans-serif;
  --container: 1180px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; }
h1, h2, h3, h4 { font-family: var(--font-head); letter-spacing: -0.02em; line-height: 1.15; margin: 0 0 .5em; }
h1 { font-size: clamp(2.3rem, 5vw, 3.6rem); font-weight: 800; }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.5rem); font-weight: 800; }
h3 { font-size: 1.2rem; font-weight: 700; }
h4 { font-size: .95rem; font-weight: 700; margin-bottom: .75rem; }
p { margin: 0 0 1em; }
svg { width: 1em; height: 1em; }
button { font: inherit; cursor: pointer; }
[hidden] { display: none !important; }

.container { width: min(var(--container), 100% - 32px); margin-inline: auto; }
.center { text-align: center; margin-top: 2.5rem; }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: 8px 12px; border-radius: 8px; z-index: 100; }
.skip-link:focus { left: 8px; }

.eyebrow {
  display: inline-block; font-size: .8rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase;
  color: var(--green-600); margin-bottom: .75rem;
}
.eyebrow--light { color: #7EE2A8; }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 48ch; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  padding: .7rem 1.2rem; border-radius: 999px; border: 1px solid transparent;
  font-weight: 600; text-decoration: none; transition: transform .15s, box-shadow .15s, background .15s;
  white-space: nowrap;
}
.btn svg { width: 1.1em; height: 1.1em; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.btn--lg { padding: .95rem 1.6rem; font-size: 1.02rem; }
.btn--primary { background: var(--green); color: #fff; box-shadow: 0 6px 16px rgba(22,179,100,.3); }
.btn--primary:hover { background: var(--green-600); transform: translateY(-1px); box-shadow: 0 10px 22px rgba(22,179,100,.35); }
.btn--ghost { background: transparent; color: var(--navy); border-color: var(--line); }
.btn--ghost:hover { background: var(--surface); }
.btn--light { background: #fff; color: var(--navy); }
.btn--light:hover { background: #EEF2F7; }
.btn:focus-visible, a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible, summary:focus-visible {
  outline: 3px solid rgba(22,179,100,.45); outline-offset: 2px;
}

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.85); backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid transparent; transition: border-color .2s, box-shadow .2s;
}
.site-header.is-scrolled { border-color: var(--line); box-shadow: var(--shadow-sm); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: inline-flex; align-items: center; gap: .6rem; text-decoration: none; font-family: var(--font-head); }
.brand__mark { width: 34px; height: 34px; }
.brand__name { font-size: 1.45rem; font-weight: 800; letter-spacing: -0.03em; color: var(--navy); }
.nav__links { display: flex; align-items: center; gap: 2rem; }
.nav__links a:not(.btn) { text-decoration: none; font-weight: 500; color: var(--ink); font-size: .95rem; }
.nav__links a:not(.btn):hover { color: var(--green-600); }
.nav__toggle { display: none; width: 44px; height: 44px; border: 0; background: none; flex-direction: column; justify-content: center; gap: 5px; align-items: center; }
.nav__toggle span { width: 22px; height: 2px; background: var(--navy); border-radius: 2px; transition: transform .2s, opacity .2s; }
.nav__toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav__toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav__toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden;
  background: radial-gradient(1200px 600px at 85% -10%, #E6F7EE 0%, transparent 60%), linear-gradient(180deg, #FBFCFE 0%, #fff 100%);
  padding: clamp(2.5rem, 6vw, 5rem) 0 clamp(3rem, 7vw, 5.5rem);
}
.hero__grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 3.5rem; align-items: center; }
.hero h1 { color: var(--navy); margin-bottom: 1rem; }

.quick {
  display: grid; grid-template-columns: 1fr 1.2fr auto; gap: .75rem; align-items: end;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1rem;
  box-shadow: var(--shadow-md); margin: 1.75rem 0 1.25rem;
}
.quick__field label { display: block; font-size: .78rem; font-weight: 600; color: var(--muted); margin-bottom: .35rem; }

.trust { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: .5rem 1.5rem; font-size: .9rem; color: var(--muted); }
.trust li { display: inline-flex; align-items: center; gap: .4rem; }
.trust svg { width: 18px; height: 18px; fill: none; stroke: var(--green); stroke-width: 2.6; stroke-linecap: round; stroke-linejoin: round; }

.hero__visual { position: relative; }
.hero__img { border-radius: 24px; box-shadow: var(--shadow-lg); aspect-ratio: 4 / 3; object-fit: cover; width: 100%; }
.float {
  position: absolute; background: #fff; border-radius: 14px; box-shadow: var(--shadow-lg);
  padding: .85rem 1rem; display: flex; align-items: center; gap: .75rem; animation: floaty 6s ease-in-out infinite;
}
.float--offer { left: -28px; bottom: 36px; }
.float--time { right: -20px; top: 28px; flex-direction: column; align-items: flex-start; gap: 0; animation-delay: -3s; }
.float__icon { width: 36px; height: 36px; border-radius: 50%; background: var(--green-50); display: grid; place-items: center; }
.float__icon svg { width: 18px; height: 18px; fill: none; stroke: var(--green-600); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.float__label { font-size: .75rem; color: var(--muted); }
.float__value { font-family: var(--font-head); font-weight: 800; color: var(--navy); font-size: 1.05rem; }
.float--time .float__value { font-size: 1.6rem; line-height: 1; }
@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }

/* ---------- Stats ---------- */
.stats { background: var(--navy); color: #fff; padding: 1.75rem 0; }
.stats__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.stats__grid div { display: flex; flex-direction: column; border-left: 2px solid rgba(255,255,255,.15); padding-left: 1rem; }
.stats__grid strong { font-family: var(--font-head); font-size: 1.7rem; font-weight: 800; letter-spacing: -0.02em; line-height: 1.1; }
.stats__grid span { font-size: .85rem; color: rgba(255,255,255,.7); margin-top: .25rem; }

/* ---------- Sections ---------- */
.section { padding: clamp(3.5rem, 8vw, 6rem) 0; }
.section--alt { background: var(--surface); }
.section--dark { background: var(--navy-900); color: #fff; }
.section__head { max-width: 640px; margin: 0 auto 3rem; text-align: center; }
.section__head--left { text-align: left; margin-inline: 0; }
.section__head h2 { color: var(--navy); }
.section--dark h2 { color: #fff; }
.section__head p:last-child { color: var(--muted); font-size: 1.05rem; }

/* How it works */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; counter-reset: step; }
.step { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 2rem 1.5rem 1.5rem; }
.step__num { position: absolute; top: -14px; left: 1.5rem; background: var(--navy); color: #fff; font-weight: 700; font-size: .8rem; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; }
.step__icon { width: 48px; height: 48px; border-radius: 12px; background: var(--green-50); display: grid; place-items: center; margin-bottom: 1rem; }
.step__icon svg { width: 24px; height: 24px; fill: none; stroke: var(--green-600); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.step p { color: var(--muted); margin: 0; }

/* Cards */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.6rem; transition: transform .2s, box-shadow .2s; }
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.card__icon { width: 44px; height: 44px; border-radius: 10px; background: var(--navy); display: grid; place-items: center; margin-bottom: 1rem; }
.card__icon svg { width: 22px; height: 22px; fill: none; stroke: #7EE2A8; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.card h3 { margin-bottom: .2rem; color: var(--navy); }
.card__range { font-size: .82rem; font-weight: 600; color: var(--green-600); margin-bottom: .6rem; }
.card p:last-child { color: var(--muted); margin: 0; font-size: .95rem; }

/* Mosaic */
.mosaic { display: grid; grid-template-columns: repeat(4, 1fr); grid-auto-rows: 200px; gap: .9rem; }
.mosaic__item { position: relative; margin: 0; border-radius: var(--radius); overflow: hidden; background: var(--surface); }
.mosaic__item--wide { grid-column: span 2; }
.mosaic__item img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s; }
.mosaic__item:hover img { transform: scale(1.05); }
.mosaic__item figcaption {
  position: absolute; left: 0; right: 0; bottom: 0; padding: 2.25rem .9rem .8rem; color: #fff; font-weight: 600; font-size: .92rem;
  background: linear-gradient(180deg, transparent, rgba(10,26,49,.85));
}

/* Split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
.split__media img { border-radius: 20px; box-shadow: var(--shadow-lg); aspect-ratio: 4/3; object-fit: cover; }
.checklist { list-style: none; padding: 0; margin: 0 0 2rem; display: grid; gap: 1rem; }
.checklist li { position: relative; padding-left: 2rem; color: rgba(255,255,255,.78); }
.checklist li strong { color: #fff; }
.checklist li::before {
  content: ""; position: absolute; left: 0; top: .3em; width: 20px; height: 20px; border-radius: 50%;
  background: var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M17 8l-7 8-3-3'/%3E%3C/svg%3E") center/70% no-repeat;
}

/* ---------- Application ---------- */
.apply { background: linear-gradient(180deg, #fff 0%, var(--surface) 100%); }
.apply__grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 3.5rem; align-items: start; }
.apply__intro { position: sticky; top: 96px; }
.apply__intro h2 { color: var(--navy); }
.apply__intro > p { color: var(--muted); font-size: 1.05rem; }
.apply__secure { display: flex; align-items: center; gap: .5rem; font-size: .85rem; color: var(--muted); margin-top: 1.25rem; }
.apply__secure svg { width: 18px; height: 18px; fill: none; stroke: var(--green-600); stroke-width: 2; }

.matches { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.1rem 1.25rem; margin-top: 1.5rem; box-shadow: var(--shadow-sm); }
.matches__head { font-size: .78rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin-bottom: .6rem; }
.matches__list { list-style: none; margin: 0; padding: 0; display: grid; gap: .5rem; }
.matches__list li { display: flex; align-items: center; gap: .6rem; font-weight: 500; font-size: .95rem; animation: pop .3s ease; }
.matches__list li::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--green); flex: none; }
.matches__list li small { margin-left: auto; color: var(--muted); font-weight: 500; }
.matches__empty { color: var(--muted); font-weight: 400 !important; font-size: .9rem !important; }
.matches__empty::before { display: none; }
@keyframes pop { from { opacity: 0; transform: translateY(4px);} to { opacity: 1; transform: none; } }

.apply__card { background: #fff; border: 1px solid var(--line); border-radius: 20px; box-shadow: var(--shadow-lg); padding: 2rem; }
.progress { height: 6px; background: var(--line); border-radius: 999px; overflow: hidden; }
.progress__bar { height: 100%; background: var(--green); border-radius: 999px; transition: width .35s ease; }
.stepper { list-style: none; display: flex; gap: 1.5rem; padding: 0; margin: 1rem 0 1.5rem; font-size: .85rem; font-weight: 600; color: var(--muted); }
.stepper li { display: flex; align-items: center; gap: .45rem; }
.stepper span { width: 24px; height: 24px; border-radius: 50%; border: 2px solid var(--line); display: grid; place-items: center; font-size: .72rem; }
.stepper .is-active { color: var(--navy); }
.stepper .is-active span { border-color: var(--green); background: var(--green); color: #fff; }
.stepper .is-done span { border-color: var(--green); color: var(--green-600); }

.fs { border: 0; padding: 0; margin: 0; display: none; }
.fs.is-active { display: block; animation: fade .3s ease; }
@keyframes fade { from { opacity: 0; transform: translateX(8px);} to { opacity: 1; transform: none; } }
.fs legend { font-family: var(--font-head); font-weight: 800; font-size: 1.35rem; color: var(--navy); margin-bottom: 1.25rem; padding: 0; }
.field { margin-bottom: 1.1rem; }
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
label, .label { display: block; font-size: .88rem; font-weight: 600; margin-bottom: .4rem; }
.req { color: var(--danger); } .opt { color: var(--muted); font-weight: 400; }
input[type="text"], input[type="email"], input[type="tel"], input:not([type]), select, textarea {
  width: 100%; padding: .75rem .9rem; border: 1px solid #CBD5E1; border-radius: var(--radius-sm); font: inherit; color: var(--ink); background: #fff;
  transition: border-color .15s, box-shadow .15s;
}
select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235B6B7F' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right .8rem center; background-size: 18px; padding-right: 2.4rem; }
textarea { resize: vertical; }
input:focus, select:focus, textarea:focus { border-color: var(--green); box-shadow: 0 0 0 4px rgba(22,179,100,.15); outline: none; }
.field.is-invalid input, .field.is-invalid select, .field.is-invalid .input-money { border-color: var(--danger); }
.error { color: var(--danger); font-size: .82rem; margin: .35rem 0 0; min-height: 0; display: none; }
.field.is-invalid .error, .error--global.is-visible { display: block; }
.error--global { margin-top: 1rem; text-align: center; }

.input-money { display: flex; align-items: center; border: 1px solid #CBD5E1; border-radius: var(--radius-sm); background: #fff; overflow: hidden; }
.input-money span { padding: 0 .3rem 0 .9rem; color: var(--muted); font-weight: 600; }
.input-money input { border: 0 !important; box-shadow: none !important; padding-left: .2rem; }
.input-money:focus-within { border-color: var(--green); box-shadow: 0 0 0 4px rgba(22,179,100,.15); }
.input-money--lg input { font-size: 1.25rem; font-weight: 600; }

.pills { display: flex; flex-wrap: wrap; gap: .5rem; margin-top: .6rem; }
.pills button { border: 1px solid var(--line); background: #fff; border-radius: 999px; padding: .35rem .8rem; font-size: .85rem; font-weight: 600; color: var(--navy); }
.pills button:hover, .pills button.is-selected { background: var(--green-50); border-color: var(--green); color: var(--green-600); }

.radios { display: grid; grid-template-columns: 1fr 1fr; gap: .6rem; }
.radios label { position: relative; margin: 0; cursor: pointer; }
.radios input { position: absolute; opacity: 0; }
.radios span { display: block; padding: .75rem .9rem; border: 1px solid #CBD5E1; border-radius: var(--radius-sm); font-weight: 500; transition: all .15s; }
.radios input:checked + span { border-color: var(--green); background: var(--green-50); color: var(--green-600); box-shadow: inset 0 0 0 1px var(--green); }
.radios input:focus-visible + span { outline: 3px solid rgba(22,179,100,.45); }

.check { display: flex; gap: .7rem; align-items: flex-start; font-weight: 400; font-size: .85rem; color: var(--muted); line-height: 1.5; }
.check input { margin-top: .2rem; width: 18px; height: 18px; accent-color: var(--green); flex: none; }
.check a { color: var(--navy); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.fs__actions { display: flex; justify-content: space-between; gap: 1rem; margin-top: 1.5rem; }
.fs__actions .btn--primary { margin-left: auto; min-width: 180px; }
.form-note { font-size: .8rem; color: var(--muted); text-align: center; margin: 1rem 0 0; }
.btn__spinner { display: none; width: 18px; height: 18px; border: 2.5px solid rgba(255,255,255,.4); border-top-color: #fff; border-radius: 50%; animation: spin .8s linear infinite; }
.btn.is-loading .btn__spinner { display: inline-block; }
.btn.is-loading { pointer-events: none; opacity: .85; }
@keyframes spin { to { transform: rotate(360deg); } }

.success { text-align: center; padding: 1.5rem 0; animation: fade .4s ease; }
.success__icon { width: 64px; height: 64px; border-radius: 50%; background: var(--green-50); display: grid; place-items: center; margin: 0 auto 1rem; }
.success__icon svg { width: 30px; height: 30px; fill: none; stroke: var(--green-600); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.success h3 { font-size: 1.6rem; color: var(--navy); }
.success p { color: var(--muted); max-width: 44ch; margin-inline: auto; }
.success__next { text-align: left; max-width: 380px; margin: 1.25rem auto 1.5rem; padding-left: 1.25rem; color: var(--ink); }
.success__next li { margin-bottom: .4rem; }

/* ---------- Quotes ---------- */
.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; }
.quote { margin: 0; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.6rem; display: flex; flex-direction: column; }
.quote blockquote { margin: 0 0 1.25rem; font-size: 1rem; color: var(--ink); flex: 1; }
.quote figcaption { display: flex; align-items: center; gap: .8rem; }
.quote img { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; }
.quote figcaption div { display: flex; flex-direction: column; line-height: 1.3; }
.quote figcaption span { font-size: .82rem; color: var(--muted); }

/* ---------- FAQ ---------- */
.faq { display: grid; grid-template-columns: .8fr 1.2fr; gap: 3rem; }
.faq__list details { border-bottom: 1px solid var(--line); padding: .25rem 0; }
.faq__list summary {
  cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  padding: 1rem 0; font-weight: 600; font-size: 1.05rem; color: var(--navy);
}
.faq__list summary::-webkit-details-marker { display: none; }
.faq__list summary::after { content: "+"; font-size: 1.4rem; color: var(--green-600); font-weight: 400; transition: transform .2s; flex: none; }
.faq__list details[open] summary::after { transform: rotate(45deg); }
.faq__list p { color: var(--muted); margin: 0 0 1rem; max-width: 62ch; }

/* ---------- CTA ---------- */
.cta { position: relative; padding: clamp(4rem, 10vw, 7rem) 0; color: #fff; text-align: center; overflow: hidden; isolation: isolate; }
.cta__bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2; }
.cta::before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(10,26,49,.92), rgba(15,37,68,.78)); z-index: -1; }
.cta h2 { color: #fff; max-width: 20ch; margin-inline: auto; }
.cta p { color: rgba(255,255,255,.8); font-size: 1.1rem; margin-bottom: 1.75rem; }

/* ---------- Footer ---------- */
.site-footer { background: #fff; border-top: 1px solid var(--line); padding: 3.5rem 0 2rem; font-size: .9rem; }
.footer__grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2rem; }
.footer__grid a:not(.brand) { display: block; color: var(--muted); text-decoration: none; margin-bottom: .5rem; }
.footer__grid a:not(.brand):hover { color: var(--green-600); }
.footer__brand p { color: var(--muted); margin-top: .75rem; max-width: 30ch; }
.footer__legal { border-top: 1px solid var(--line); margin-top: 2.5rem; padding-top: 1.5rem; color: var(--muted); font-size: .78rem; }
.footer__legal p { margin-bottom: .6rem; }

/* ---------- Reveal ---------- */
.reveal { opacity: 0; transform: translateY(16px); transition: opacity .6s ease, transform .6s ease; }
.reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .float { animation: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .hero__grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .hero__visual { max-width: 640px; }
  .float--offer { left: 8px; } .float--time { right: 8px; }
  .steps, .cards, .quotes { grid-template-columns: 1fr 1fr; }
  .mosaic { grid-template-columns: repeat(3, 1fr); grid-auto-rows: 180px; }
  .split, .apply__grid, .faq { grid-template-columns: 1fr; gap: 2.5rem; }
  .apply__intro { position: static; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .nav__toggle { display: flex; }
  .nav__links {
    position: absolute; top: 72px; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md); display: none; padding: .5rem 0 1rem;
  }
  .nav__links.is-open { display: flex; }
  .nav__links a:not(.btn) { padding: .9rem 1.25rem; border-bottom: 1px solid var(--surface); }
  .nav__cta { margin: .75rem 1.25rem 0; }
  .quick { grid-template-columns: 1fr; }
  .quick .btn { width: 100%; }
  .stats__grid { grid-template-columns: 1fr 1fr; }
  .steps, .cards, .quotes { grid-template-columns: 1fr; }
  .mosaic { grid-template-columns: 1fr 1fr; grid-auto-rows: 150px; }
  .mosaic__item--wide { grid-column: span 2; }
  .row, .radios { grid-template-columns: 1fr; }
  .apply__card { padding: 1.4rem; border-radius: 16px; }
  .fs__actions { flex-direction: column-reverse; }
  .fs__actions .btn { width: 100%; }
  .footer__grid { grid-template-columns: 1fr; }
  .float--time { display: none; }
}