/* ═══════════════════════════════════════════════
   PayDayLoanOrganization.com — Main Stylesheet
   ═══════════════════════════════════════════════ */
:root {
  --navy:    #0a1628;
  --navy2:   #112040;
  --gold:    #f5a623;
  --gold2:   #e8920f;
  --cream:   #faf8f3;
  --white:   #ffffff;
  --green:   #1db954;
  --muted:   #8a9bb5;
  --text:    #1a2540;
  --text2:   #4a5872;
  --red:     #e84040;
  --border:  rgba(255,255,255,0.08);
  --border-l:rgba(0,0,0,0.07);
  --shadow:  0 4px 24px rgba(0,0,0,0.08);
  --shadow-m:0 12px 40px rgba(0,0,0,0.12);
  --shadow-l:0 24px 64px rgba(0,0,0,0.18);
  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 16px;
  --r-xl: 20px;
}
*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
html { scroll-behavior:smooth; }
body { font-family:'DM Sans',sans-serif; background:var(--cream); color:var(--text); overflow-x:hidden; line-height:1.6; }
a { text-decoration:none; color:inherit; }
img { max-width:100%; display:block; }
ul { list-style:none; }

/* ── TYPOGRAPHY ── */
.display { font-family:'Bebas Neue',sans-serif; letter-spacing:1px; }
.serif   { font-family:'DM Serif Display',serif; }

/* ── NAV ── */
nav {
  position:fixed; top:0; left:0; right:0; z-index:500;
  background:rgba(10,22,40,0.97); backdrop-filter:blur(14px);
  padding:0 5%; display:flex; align-items:center;
  justify-content:space-between; height:70px;
  border-bottom:1px solid var(--border);
}
.logo { font-family:'Bebas Neue',sans-serif; font-size:1.75rem; color:#fff; letter-spacing:2px; flex-shrink:0; }
.logo span { color:var(--gold); }
.nav-toggle { display:none; background:none; border:none; color:#fff; font-size:1.5rem; cursor:pointer; padding:4px 8px; }
.nav-links { display:flex; align-items:center; }
.nav-links > li { position:relative; }
.nav-links > li > a { color:rgba(255,255,255,0.75); font-size:.875rem; font-weight:500; padding:24px 14px; display:block; transition:color .2s; white-space:nowrap; }
.nav-links > li > a:hover { color:var(--gold); }
.dropdown { display:none; position:absolute; top:100%; left:0; background:var(--navy2); border:1px solid var(--border); border-radius:var(--r-md); min-width:230px; padding:8px 0; box-shadow:var(--shadow-l); z-index:600; }
.has-dropdown:hover .dropdown { display:block; }
.dropdown li a { display:block; padding:10px 20px; font-size:.85rem; color:rgba(255,255,255,0.7); transition:color .2s,background .2s; }
.dropdown li a:hover { color:var(--gold); background:rgba(245,166,35,0.06); }
.nav-cta { background:var(--gold); color:var(--navy); padding:10px 22px; border-radius:var(--r-sm); font-weight:700; font-size:.85rem; transition:background .2s,transform .15s; white-space:nowrap; margin-left:12px; }
.nav-cta:hover { background:var(--gold2); transform:translateY(-1px); }

/* ── BUTTONS ── */
.btn { display:inline-block; border-radius:var(--r-sm); font-weight:700; font-size:.95rem; cursor:pointer; transition:background .2s,transform .15s,box-shadow .2s; font-family:'DM Sans',sans-serif; border:none; }
.btn-gold  { background:var(--gold); color:var(--navy); padding:15px 34px; }
.btn-gold:hover  { background:var(--gold2); transform:translateY(-2px); box-shadow:0 8px 24px rgba(245,166,35,0.3); }
.btn-ghost { background:transparent; color:#fff; padding:13px 28px; border:2px solid rgba(255,255,255,0.2); }
.btn-ghost:hover { border-color:var(--gold); color:var(--gold); }
.btn-outline { background:transparent; color:var(--gold); padding:13px 28px; border:2px solid var(--gold); }
.btn-outline:hover { background:var(--gold); color:var(--navy); }
.btn-navy { background:var(--navy); color:#fff; padding:15px 34px; }
.btn-navy:hover { background:var(--gold); color:var(--navy); transform:translateY(-1px); }

/* ── SECTION HELPERS ── */
.sec { padding:90px 5%; }
.sec-dark  { background:var(--navy); }
.sec-white { background:#fff; }
.sec-cream { background:var(--cream); }
.eyebrow { font-size:.72rem; font-weight:700; color:var(--gold2); text-transform:uppercase; letter-spacing:2.5px; margin-bottom:10px; }
.eyebrow-gold { color:var(--gold); }
.sec-title { font-family:'Bebas Neue',sans-serif; font-size:clamp(2.2rem,4vw,3.4rem); color:var(--navy); letter-spacing:1px; line-height:1.05; margin-bottom:14px; }
.sec-title-light { color:#fff; }
.sec-sub { color:var(--text2); font-size:1rem; line-height:1.75; max-width:560px; }
.sec-sub-light { color:var(--muted); }
.center { text-align:center; }
.center .sec-sub { margin:0 auto; }

/* ── GRID ── */
.g2 { display:grid; grid-template-columns:repeat(2,1fr); gap:28px; }
.g3 { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.g4 { display:grid; grid-template-columns:repeat(4,1fr); gap:22px; }

/* ── TRUST BAR ── */
.trust-bar { background:var(--navy2); padding:16px 5%; display:flex; align-items:center; justify-content:center; gap:36px; flex-wrap:wrap; border-bottom:1px solid var(--border); }
.trust-item { display:flex; align-items:center; gap:8px; color:rgba(255,255,255,0.65); font-size:.82rem; font-weight:500; }

/* ── HERO BADGE ── */
.hero-badge { display:inline-flex; align-items:center; gap:8px; background:rgba(245,166,35,0.12); border:1px solid rgba(245,166,35,0.3); border-radius:100px; padding:5px 14px; font-size:.78rem; color:var(--gold); font-weight:600; margin-bottom:20px; letter-spacing:.5px; }
.hero-badge::before { content:'●'; font-size:.45rem; animation:pulse 2s infinite; }
@keyframes pulse { 0%,100%{opacity:1} 50%{opacity:.3} }

/* ── PAGE HERO (interior) ── */
.page-hero { background:var(--navy); padding:130px 5% 80px; display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center; position:relative; overflow:hidden; min-height:500px; }
.page-hero::before { content:''; position:absolute; top:-150px; right:-150px; width:600px; height:600px; background:radial-gradient(circle,rgba(245,166,35,.1) 0%,transparent 65%); pointer-events:none; }
.page-hero.centered { grid-template-columns:1fr; text-align:center; padding:130px 10% 80px; min-height:auto; }
.page-hero.centered .sec-sub { margin:0 auto 28px; }
.ph1 { font-family:'Bebas Neue',sans-serif; font-size:clamp(3rem,5.5vw,5rem); color:#fff; letter-spacing:1px; margin-bottom:18px; line-height:1.0; }
.ph1 em { font-family:'DM Serif Display',serif; font-style:italic; color:var(--gold); }
.ph-lead { color:var(--muted); font-size:1.05rem; line-height:1.75; margin-bottom:30px; }
.hero-stats { display:flex; gap:32px; flex-wrap:wrap; margin-bottom:30px; }
.hstat-num { font-family:'Bebas Neue',sans-serif; font-size:2.2rem; color:var(--gold); line-height:1; }
.hstat-lbl { font-size:.74rem; color:var(--muted); margin-top:2px; }
.hero-actions { display:flex; gap:14px; flex-wrap:wrap; }
.hero-actions.ctr { justify-content:center; }

/* ── BREADCRUMB ── */
.breadcrumb { background:var(--navy); padding:80px 5% 0; }
.bc-list { display:flex; gap:8px; align-items:center; font-size:.8rem; padding-top:10px; }
.bc-list li { color:rgba(255,255,255,.4); }
.bc-list a { color:rgba(255,255,255,.5); transition:color .2s; }
.bc-list a:hover { color:var(--gold); }
.bc-active { color:var(--gold) !important; }
.bc-sep { color:rgba(255,255,255,.2); }

/* ── CARDS ── */
.card { background:#fff; border-radius:var(--r-lg); padding:30px 26px; border:1px solid var(--border-l); transition:transform .25s,box-shadow .25s; }
.card:hover { transform:translateY(-4px); box-shadow:var(--shadow-m); }
.card-dark { background:rgba(255,255,255,.04); border:1px solid var(--border); border-radius:var(--r-lg); padding:30px 26px; transition:transform .25s,border-color .25s,background .25s; }
.card-dark:hover { background:rgba(245,166,35,.05); border-color:rgba(245,166,35,.35); transform:translateY(-3px); }
.card-icon { width:50px; height:50px; background:rgba(245,166,35,.1); border-radius:12px; display:flex; align-items:center; justify-content:center; font-size:1.4rem; margin-bottom:16px; }
.card h3 { font-family:'DM Serif Display',serif; font-size:1.1rem; color:var(--navy); margin-bottom:10px; }
.card-dark h3 { color:#fff; }
.card p, .card-dark p { color:var(--text2); font-size:.875rem; line-height:1.7; }
.card-dark p { color:var(--muted); }
.step-num { font-family:'Bebas Neue',sans-serif; font-size:3rem; color:rgba(245,166,35,.2); line-height:1; margin-bottom:8px; }
.loan-big { font-family:'Bebas Neue',sans-serif; font-size:2.5rem; color:var(--gold); line-height:1; margin-bottom:4px; }
.tag { display:inline-block; padding:4px 12px; border-radius:100px; font-size:.72rem; font-weight:600; margin-top:14px; letter-spacing:.3px; }
.tag-g { background:rgba(29,185,84,.15); color:var(--green); }
.tag-o { background:rgba(245,166,35,.15); color:var(--gold); }
.tag-b { background:rgba(59,130,246,.15); color:#60a5fa; }

/* ── PROVINCE CARD ── */
.prov-card { background:#fff; border-radius:var(--r-lg); padding:26px; border:1px solid var(--border-l); display:flex; flex-direction:column; transition:transform .25s,box-shadow .25s,border-color .25s; cursor:pointer; }
.prov-card:hover { transform:translateY(-4px); box-shadow:var(--shadow-m); border-color:var(--gold); }
.prov-flag { font-size:2.2rem; margin-bottom:10px; }
.prov-card h3 { font-family:'DM Serif Display',serif; font-size:1rem; color:var(--navy); margin-bottom:6px; }
.prov-card p { color:var(--text2); font-size:.82rem; line-height:1.6; flex:1; }
.prov-link { color:var(--gold); font-size:.78rem; font-weight:600; margin-top:12px; }

/* ── TESTIMONIALS ── */
.testi-card { background:var(--cream); border-radius:var(--r-lg); padding:26px; border:1px solid var(--border-l); transition:transform .25s; }
.testi-card:hover { transform:translateY(-3px); }
.stars { color:var(--gold); font-size:.9rem; margin-bottom:12px; letter-spacing:2px; }
.testi-text { font-family:'DM Serif Display',serif; font-style:italic; color:var(--navy); font-size:1rem; line-height:1.65; margin-bottom:18px; }
.testi-author { display:flex; align-items:center; gap:12px; }
.avatar { width:40px; height:40px; border-radius:50%; display:flex; align-items:center; justify-content:center; font-weight:700; font-size:.85rem; color:#fff; }
.testi-name { font-weight:600; color:var(--navy); font-size:.875rem; }
.testi-loc { color:var(--muted); font-size:.75rem; }

/* ── FAQ ── */
.faq-item { background:#fff; border-radius:var(--r-md); border:1px solid var(--border-l); overflow:hidden; margin-bottom:10px; }
.faq-item-dark { background:rgba(255,255,255,.04); border-color:var(--border); }
.faq-q { padding:18px 22px; cursor:pointer; display:flex; justify-content:space-between; align-items:center; font-weight:600; color:var(--navy); font-size:.92rem; user-select:none; }
.faq-item-dark .faq-q { color:#fff; }
.faq-q::after { content:'+'; font-size:1.3rem; color:var(--gold); font-weight:400; transition:transform .25s; min-width:20px; text-align:center; }
.faq-item.open .faq-q::after { transform:rotate(45deg); }
.faq-a { max-height:0; overflow:hidden; transition:max-height .35s ease,padding .25s; color:var(--text2); font-size:.875rem; line-height:1.75; padding:0 22px; }
.faq-item.open .faq-a { max-height:400px; padding:0 22px 18px; }

/* ── INFO / WARNING BOXES ── */
.info-box { background:rgba(245,166,35,.08); border:1px solid rgba(245,166,35,.2); border-radius:var(--r-md); padding:22px; margin:24px 0; }
.info-box h4 { color:var(--gold2); font-weight:700; margin-bottom:8px; font-size:.88rem; text-transform:uppercase; letter-spacing:.5px; }
.info-box p { color:var(--text2); font-size:.875rem; line-height:1.7; }
.warn-box { background:rgba(232,64,64,.05); border:1px solid rgba(232,64,64,.2); border-radius:var(--r-md); padding:22px; margin:16px 0; }
.warn-box h4 { color:var(--red); font-weight:700; margin-bottom:8px; font-size:.88rem; }
.warn-box p { color:var(--text2); font-size:.875rem; line-height:1.7; }

/* ── CHECKLIST ── */
.chk { list-style:none; display:flex; flex-direction:column; gap:9px; }
.chk li { display:flex; align-items:flex-start; gap:10px; font-size:.88rem; color:var(--text2); line-height:1.5; }
.chk li::before { content:'✓'; color:var(--green); font-weight:700; min-width:16px; margin-top:1px; }
.chk-light li { color:rgba(255,255,255,.75); }
.chk-light li::before { color:var(--green); }

/* ── FEATURE LIST ── */
.feat-list { display:flex; flex-direction:column; gap:20px; }
.feat-item { display:flex; gap:16px; align-items:flex-start; }
.feat-icon { width:46px; height:46px; min-width:46px; background:rgba(245,166,35,.1); border-radius:12px; display:flex; align-items:center; justify-content:center; font-size:1.2rem; }
.feat-item h4 { font-weight:600; color:var(--navy); font-size:.95rem; margin-bottom:4px; }
.feat-item p { color:var(--text2); font-size:.85rem; line-height:1.65; }

/* ── RATE TABLE ── */
.rate-tbl { width:100%; font-size:.84rem; }
.rate-tbl tr { border-bottom:1px solid var(--border-l); }
.rate-tbl tr:last-child { border-bottom:none; }
.rate-tbl td { padding:9px 0; }
.rate-tbl td:first-child { color:var(--muted); }
.rate-tbl td:last-child { font-weight:600; color:var(--navy); text-align:right; }
.rate-tbl .hi { color:var(--green); }

/* ── CTA SECTION ── */
.cta-sec { background:var(--navy); padding:90px 5%; text-align:center; position:relative; overflow:hidden; }
.cta-sec::before { content:''; position:absolute; top:50%; left:50%; transform:translate(-50%,-50%); width:800px; height:400px; background:radial-gradient(ellipse,rgba(245,166,35,.1) 0%,transparent 70%); pointer-events:none; }
.cta-sec h2 { font-family:'Bebas Neue',sans-serif; font-size:clamp(2.5rem,5vw,4.5rem); color:#fff; letter-spacing:1px; line-height:1; margin-bottom:14px; }
.cta-sec h2 em { font-family:'DM Serif Display',serif; font-style:italic; color:var(--gold); }
.cta-sec p { color:var(--muted); margin-bottom:32px; font-size:1rem; max-width:460px; margin-left:auto; margin-right:auto; }

/* ── FORM CARD ── */
.form-card { background:#fff; border-radius:var(--r-xl); padding:36px 32px; box-shadow:var(--shadow-l); }
.secure-badge { display:flex; align-items:center; justify-content:center; gap:6px; font-size:.75rem; color:var(--green); font-weight:600; margin-bottom:14px; }
.form-header { text-align:center; margin-bottom:20px; }
.form-header h2 { font-family:'DM Serif Display',serif; font-size:1.5rem; color:var(--navy); margin-bottom:6px; }
.form-header p { font-size:.84rem; color:#6b7a99; }
.progress-steps { display:flex; align-items:center; justify-content:center; margin-bottom:22px; }
.ps { display:flex; flex-direction:column; align-items:center; flex:1; position:relative; }
.ps:not(:last-child)::after { content:''; position:absolute; top:14px; left:50%; width:100%; height:2px; background:#e0e6f0; z-index:0; }
.ps.done::after, .ps.active::after { background:var(--gold); }
.ps-circle { width:28px; height:28px; border-radius:50%; background:#e0e6f0; display:flex; align-items:center; justify-content:center; font-size:.72rem; font-weight:700; color:#9aa5b8; position:relative; z-index:1; transition:all .3s; }
.ps.active .ps-circle { background:var(--gold); color:var(--navy); }
.ps.done .ps-circle { background:var(--green); color:#fff; }
.ps-lbl { font-size:.62rem; color:#9aa5b8; margin-top:5px; text-align:center; white-space:nowrap; }
.ps.active .ps-lbl { color:var(--gold); font-weight:600; }
.ps.done .ps-lbl { color:var(--green); }
.form-step { display:none; animation:fadeUp .3s ease; }
.form-step.active { display:block; }
@keyframes fadeUp { from{opacity:0;transform:translateY(8px)} to{opacity:1;transform:translateY(0)} }
.step-eyebrow { font-size:.72rem; font-weight:700; color:var(--muted); text-transform:uppercase; letter-spacing:1px; margin-bottom:6px; }
.step-title { font-family:'DM Serif Display',serif; font-size:1.15rem; color:var(--navy); margin-bottom:18px; }
.amount-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:9px; margin-bottom:14px; }
.amount-btn { border:2px solid #e0e6f0; background:#fff; border-radius:10px; padding:12px 6px; font-size:.95rem; font-weight:600; color:var(--navy); cursor:pointer; transition:all .2s; text-align:center; font-family:'DM Sans',sans-serif; }
.amount-btn:hover, .amount-btn.selected { border-color:var(--gold); background:rgba(245,166,35,.06); color:var(--gold2); }
.fgroup { margin-bottom:13px; }
.fgroup label { display:block; font-size:.73rem; font-weight:600; color:#4a5568; margin-bottom:5px; text-transform:uppercase; letter-spacing:.5px; }
.fgroup input, .fgroup select, .fgroup textarea {
  width:100%; padding:11px 13px; border:2px solid #e0e6f0; border-radius:10px;
  font-size:.9rem; font-family:'DM Sans',sans-serif; color:var(--navy);
  background:#fff; transition:border-color .2s; outline:none; appearance:none;
}
.fgroup input:focus, .fgroup select:focus, .fgroup textarea:focus { border-color:var(--gold); box-shadow:0 0 0 3px rgba(245,166,35,.1); }
.fgroup input.invalid, .fgroup select.invalid { border-color:var(--red); }
.field-err { font-size:.72rem; color:var(--red); margin-top:4px; display:none; }
.field-err.show { display:block; }
.frow { display:grid; grid-template-columns:1fr 1fr; gap:10px; }
.form-submit { width:100%; background:var(--navy); color:#fff; border:none; padding:15px; border-radius:10px; font-size:.95rem; font-weight:700; cursor:pointer; transition:background .2s,transform .15s; margin-top:6px; font-family:'DM Sans',sans-serif; letter-spacing:.3px; }
.form-submit:hover:not(:disabled) { background:var(--gold); color:var(--navy); transform:translateY(-1px); }
.form-submit:disabled { opacity:.6; cursor:not-allowed; }
.form-back { background:none; border:none; color:var(--muted); font-size:.82rem; cursor:pointer; margin-top:10px; width:100%; text-align:center; font-family:'DM Sans',sans-serif; transition:color .2s; display:block; }
.form-back:hover { color:var(--navy); }
.form-disclaimer { font-size:.67rem; color:#aab0c0; text-align:center; margin-top:12px; line-height:1.5; }
.form-disclaimer a { color:var(--gold); }
.form-err-msg { background:rgba(232,64,64,.06); border:1px solid rgba(232,64,64,.2); border-radius:10px; padding:14px 16px; font-size:.82rem; color:var(--red); margin-top:12px; line-height:1.5; display:none; }
.form-err-msg.show { display:block; }

/* Loading */
.form-loading { display:none; text-align:center; padding:40px 0; }
.form-loading.show { display:block; }
.spinner { width:48px; height:48px; border:4px solid rgba(245,166,35,.2); border-top-color:var(--gold); border-radius:50%; animation:spin .8s linear infinite; margin:0 auto 20px; }
@keyframes spin { to{transform:rotate(360deg)} }
.form-loading h3 { font-family:'DM Serif Display',serif; font-size:1.3rem; color:var(--navy); margin-bottom:8px; }
.form-loading p { color:#6b7a99; font-size:.875rem; }
.dots span { animation:blink 1.4s infinite; color:var(--gold); }
.dots span:nth-child(2){animation-delay:.2s}
.dots span:nth-child(3){animation-delay:.4s}
@keyframes blink{0%,80%,100%{opacity:0}40%{opacity:1}}

/* Success / Not-sold */
.result-state { display:none; text-align:center; padding:20px 0; }
.result-state.show { display:block; }
.result-icon { width:70px; height:70px; border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:1.8rem; margin:0 auto 18px; animation:popIn .5s ease; }
.result-icon-green { background:rgba(29,185,84,.1); }
.result-icon-gold  { background:rgba(245,166,35,.1); }
@keyframes popIn { from{transform:scale(.5);opacity:0} to{transform:scale(1);opacity:1} }
.result-state h3 { font-family:'DM Serif Display',serif; font-size:1.35rem; color:var(--navy); margin-bottom:10px; }
.result-state p { color:#6b7a99; font-size:.875rem; line-height:1.7; }

/* ── POLICY PAGES ── */
.policy-body h2 { font-family:'DM Serif Display',serif; font-size:1.3rem; color:var(--navy); margin:32px 0 12px; }
.policy-body p, .policy-body li { color:var(--text2); line-height:1.82; font-size:.92rem; margin-bottom:12px; }
.policy-body ul { margin-left:20px; margin-bottom:16px; }
.policy-body strong { color:var(--navy); }

/* ── COMPARISON TABLE ── */
.comp-tbl { width:100%; border-collapse:collapse; border-radius:var(--r-md); overflow:hidden; box-shadow:var(--shadow); }
.comp-tbl th { background:var(--navy); color:#fff; padding:14px 18px; font-size:.83rem; font-weight:600; text-align:left; }
.comp-tbl td { padding:13px 18px; font-size:.875rem; border-bottom:1px solid var(--border-l); background:#fff; color:var(--text); }
.comp-tbl tr:last-child td { border-bottom:none; }
.comp-tbl tr:nth-child(even) td { background:var(--cream); }
.comp-tbl .hi { color:var(--green); font-weight:600; }
.comp-tbl .lo { color:var(--red); }

/* ── FOOTER ── */
footer { background:#060e1c; padding:64px 5% 28px; color:rgba(255,255,255,.5); }
.footer-grid { display:grid; grid-template-columns:1.8fr repeat(3,1fr); gap:48px; margin-bottom:48px; }
.footer-brand p { font-size:.82rem; line-height:1.75; margin-top:14px; color:rgba(255,255,255,.38); max-width:260px; }
.footer-col h4 { color:#fff; font-size:.8rem; font-weight:600; margin-bottom:16px; text-transform:uppercase; letter-spacing:1px; }
.footer-col a { display:block; color:rgba(255,255,255,.42); font-size:.82rem; margin-bottom:9px; transition:color .2s; }
.footer-col a:hover { color:var(--gold); }
.footer-bottom { border-top:1px solid rgba(255,255,255,.06); padding-top:22px; display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:10px; font-size:.76rem; }
.footer-links { display:flex; gap:20px; }
.footer-links a { color:rgba(255,255,255,.35); font-size:.76rem; transition:color .2s; }
.footer-links a:hover { color:var(--gold); }
.footer-disc { font-size:.69rem; color:rgba(255,255,255,.22); line-height:1.65; margin-top:24px; border-top:1px solid rgba(255,255,255,.04); padding-top:22px; }

/* ── RESPONSIVE ── */
@media(max-width:1100px) {
  .g4 { grid-template-columns:repeat(2,1fr); }
  .footer-grid { grid-template-columns:1fr 1fr; }
}
@media(max-width:900px) {
  .page-hero { grid-template-columns:1fr; padding:100px 5% 60px; }
  .g3 { grid-template-columns:repeat(2,1fr); }
}
@media(max-width:768px) {
  .nav-toggle { display:block; }
  .nav-links { display:none; position:absolute; top:70px; left:0; right:0; background:var(--navy2); flex-direction:column; padding:16px 20px; }
  .nav-links.open { display:flex; }
  .nav-links > li > a { padding:12px 0; }
  .dropdown { display:none !important; }
  .g2 { grid-template-columns:1fr; }
  .footer-grid { grid-template-columns:1fr; gap:28px; }
  .footer-brand p { max-width:100%; }
  .trust-bar { gap:18px; }
  .page-hero.centered { padding:110px 5% 60px; }
  .hero-stats { gap:22px; }
}
@media(max-width:600px) {
  .g3, .g4 { grid-template-columns:1fr; }
  .sec { padding:60px 5%; }
  .amount-grid { grid-template-columns:repeat(2,1fr); }
  .frow { grid-template-columns:1fr; }
}